Home > FNB Oxford Bank > Performance and Condition Ratios
FNB Oxford Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6561% | 2,775 |
| Cost of funding earning assets | 1.7585% | 1,328 |
| Net interest margin | 2.8976% | 3,496 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 1.8756% | 3,885 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.8722% | 2,625 |
| Return on assets (ROA) | 0.8388% | 2,725 |
| Pretax return on assets | 1.0693% | 2,496 |
| Return on Equity (ROE) | 8.5800% | 2,872 |
| Retained earnings to average equity (ytd only) | 8.5797% | 1,371 |
| Net charge-offs to loans | -0.0105% | 4,007 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.8117% | 2,854 |
| Assets per employee ($millions) | 7.7615% | 1,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0658% | 3,001 |
| Loan loss allowance to noncurrent loans | 15,936.3636% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 3,813 |
| Noncurrent loans to loans | 0.0067% | 3,726 |
| Net loans and leases to total assets | 47.6500% | 3,745 |
| Net loans and leases to deposits | 58.6439% | 3,601 |
| Net loans and leases to core deposits | 68.6732% | 3,370 |
| Total domestic deposits to total assets | 81.2500% | 3,263 |
| Equity capital to assets | 11.0193% | 1,476 |
| Core capital (leverage) ratio | 12.7189% | 1,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $635,584,000 | 1,402 |
| Average earning assets | $589,808,600 | 1,395 |
| Average equity | $62,135,000 | 1,357 |
| Average total loans | $305,423,000 | 1,770 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5284% | 2,846 |
| Cost of funding earning assets | 1.6150% | 1,346 |
| Net interest margin | 2.9134% | 3,517 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 1.7924% | 3,995 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.8815% | 2,747 |
| Return on assets (ROA) | 0.8360% | 2,895 |
| Pretax return on assets | 1.0551% | 2,695 |
| Return on Equity (ROE) | 8.8600% | 2,962 |
| Retained earnings to average equity (ytd only) | 8.8603% | 1,724 |
| Net charge-offs to loans | -0.0200% | 4,133 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.6949% | 2,887 |
| Assets per employee ($millions) | 7.7659% | 1,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0855% | 2,937 |
| Loan loss allowance to noncurrent loans | 49,928.5714% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 3,875 |
| Noncurrent loans to loans | 0.0022% | 3,808 |
| Net loans and leases to total assets | 48.8200% | 3,692 |
| Net loans and leases to deposits | 59.0768% | 3,553 |
| Net loans and leases to core deposits | 67.8881% | 3,333 |
| Total domestic deposits to total assets | 82.6400% | 3,083 |
| Equity capital to assets | 8.9567% | 2,443 |
| Core capital (leverage) ratio | 11.5035% | 1,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $623,727,500 | 1,427 |
| Average earning assets | $577,825,250 | 1,423 |
| Average equity | $58,853,000 | 1,403 |
| Average total loans | $299,539,750 | 1,793 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4110% | 2,863 |
| Cost of funding earning assets | 1.4491% | 1,339 |
| Net interest margin | 2.9619% | 3,537 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 1.8053% | 3,986 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.9381% | 2,620 |
| Return on assets (ROA) | 0.8681% | 2,858 |
| Pretax return on assets | 1.0928% | 2,668 |
| Return on Equity (ROE) | 9.0400% | 2,979 |
| Retained earnings to average equity (ytd only) | 9.0381% | 1,673 |
| Net charge-offs to loans | -0.0411% | 4,323 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.9546% | 2,968 |
| Assets per employee ($millions) | 7.3188% | 1,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1131% | 2,890 |
| Loan loss allowance to noncurrent loans | 6,603.8462% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 3,771 |
| Noncurrent loans to loans | 0.0169% | 3,645 |
| Net loans and leases to total assets | 49.0400% | 3,617 |
| Net loans and leases to deposits | 59.1386% | 3,474 |
| Net loans and leases to core deposits | 67.8387% | 3,239 |
| Total domestic deposits to total assets | 82.9300% | 3,065 |
| Equity capital to assets | 9.6751% | 2,044 |
| Core capital (leverage) ratio | 12.1333% | 1,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $614,191,667 | 1,442 |
| Average earning assets | $569,439,667 | 1,443 |
| Average equity | $58,994,667 | 1,407 |
| Average total loans | $292,061,333 | 1,815 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3138% | 2,770 |
| Cost of funding earning assets | 1.2905% | 1,252 |
| Net interest margin | 3.0233% | 3,542 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 1.7528% | 4,110 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0715% | 2,317 |
| Return on assets (ROA) | 0.9288% | 2,720 |
| Pretax return on assets | 1.1648% | 2,526 |
| Return on Equity (ROE) | 9.7100% | 2,874 |
| Retained earnings to average equity (ytd only) | 9.7059% | 1,767 |
| Net charge-offs to loans | -0.1001% | 4,507 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.6166% | 3,341 |
| Assets per employee ($millions) | 7.7617% | 1,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1605% | 2,768 |
| Loan loss allowance to noncurrent loans | 4,010.7143% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 3,718 |
| Noncurrent loans to loans | 0.0289% | 3,554 |
| Net loans and leases to total assets | 46.7900% | 3,726 |
| Net loans and leases to deposits | 56.1220% | 3,565 |
| Net loans and leases to core deposits | 64.2577% | 3,329 |
| Total domestic deposits to total assets | 83.3800% | 3,226 |
| Equity capital to assets | 9.8125% | 1,923 |
| Core capital (leverage) ratio | 12.1010% | 1,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $610,238,000 | 1,471 |
| Average earning assets | $565,343,500 | 1,476 |
| Average equity | $58,397,500 | 1,422 |
| Average total loans | $283,831,500 | 1,864 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6250% | 2,723 |
| Cost of funding earning assets | 0.6380% | 759 |
| Net interest margin | 2.9870% | 3,482 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 1.8377% | 3,954 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.9317% | 2,841 |
| Return on assets (ROA) | 0.9155% | 2,838 |
| Pretax return on assets | 1.1315% | 2,667 |
| Return on Equity (ROE) | 9.5000% | 2,970 |
| Retained earnings to average equity (ytd only) | 8.4958% | 1,645 |
| Net charge-offs to loans | -0.0193% | 4,054 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.0260% | 2,908 |
| Assets per employee ($millions) | 7.5912% | 1,554 |
| Cash dividends to net income (ytd only)* | 10.5464% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1894% | 2,442 |
| Loan loss allowance to noncurrent loans | 5,408.1967% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 3,788 |
| Noncurrent loans to loans | 0.0220% | 3,644 |
| Net loans and leases to total assets | 45.1300% | 3,842 |
| Net loans and leases to deposits | 54.5080% | 3,650 |
| Net loans and leases to core deposits | 61.4515% | 3,424 |
| Total domestic deposits to total assets | 82.7900% | 3,465 |
| Equity capital to assets | 9.3244% | 2,133 |
| Core capital (leverage) ratio | 12.0795% | 1,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $543,772,600 | 1,625 |
| Average earning assets | $500,436,400 | 1,627 |
| Average equity | $52,414,200 | 1,556 |
| Average total loans | $254,404,600 | 1,915 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4188% | 2,867 |
| Cost of funding earning assets | 0.4350% | 1,072 |
| Net interest margin | 2.9838% | 3,259 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 1.8236% | 3,936 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.8595% | 3,036 |
| Return on assets (ROA) | 0.8598% | 3,010 |
| Pretax return on assets | 1.0795% | 2,782 |
| Return on Equity (ROE) | 8.8400% | 3,081 |
| Retained earnings to average equity (ytd only) | 7.4737% | 2,200 |
| Net charge-offs to loans | -0.0236% | 4,044 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.1717% | 2,808 |
| Assets per employee ($millions) | 7.1687% | 1,826 |
| Cash dividends to net income (ytd only)* | 15.4230% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2694% | 2,177 |
| Loan loss allowance to noncurrent loans | 2,792.3729% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0201% | 3,741 |
| Noncurrent loans to loans | 0.0455% | 3,561 |
| Net loans and leases to total assets | 43.6000% | 3,903 |
| Net loans and leases to deposits | 52.4772% | 3,700 |
| Net loans and leases to core deposits | 59.1935% | 3,439 |
| Total domestic deposits to total assets | 83.0800% | 3,678 |
| Equity capital to assets | 9.0013% | 2,216 |
| Core capital (leverage) ratio | 12.5755% | 1,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $527,891,250 | 1,681 |
| Average earning assets | $485,181,000 | 1,673 |
| Average equity | $51,361,000 | 1,608 |
| Average total loans | $248,665,000 | 1,948 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2828% | 2,792 |
| Cost of funding earning assets | 0.2994% | 1,716 |
| Net interest margin | 2.9833% | 2,930 |
| Noninterest income to average assets | 0.1882% | 4,066 |
| Noninterest expense to average assets | 1.8558% | 3,818 |
| Loan and lease loss provision to assets | 0.0354% | 1,945 |
| Net operating income to assets | 0.8359% | 2,833 |
| Return on assets (ROA) | 0.8340% | 2,814 |
| Pretax return on assets | 1.0368% | 2,618 |
| Return on Equity (ROE) | 8.3314% | 2,921 |
| Retained earnings to average equity (ytd only) | 6.2663% | 2,252 |
| Net charge-offs to loans | -0.0212% | 3,901 |
| Credit loss provision to net charge-offs | -346.1538% | 3,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3298% | 2,863 |
| Assets per employee ($millions) | 7.1633% | 1,834 |
| Cash dividends to net income (ytd only)* | 24.7875% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3143% | 2,123 |
| Loan loss allowance to noncurrent loans | 12,488.4615% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 3,802 |
| Noncurrent loans to loans | 0.0105% | 3,910 |
| Net loans and leases to total assets | 44.7844% | 3,770 |
| Net loans and leases to deposits | 52.2133% | 3,665 |
| Net loans and leases to core deposits | 56.7467% | 3,507 |
| Total domestic deposits to total assets | 85.7720% | 3,308 |
| Equity capital to assets | 10.7424% | 1,342 |
| Core capital (leverage) ratio | 13.4060% | 725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $507,910,000 | 1,714 |
| Average earning assets | $466,860,000 | 1,732 |
| Average equity | $50,843,667 | 1,660 |
| Average total loans | $245,029,667 | 1,967 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2867% | 2,426 |
| Cost of funding earning assets | 0.2755% | 1,870 |
| Net interest margin | 3.0112% | 2,466 |
| Noninterest income to average assets | 0.0531% | 4,652 |
| Noninterest expense to average assets | 1.8364% | 3,850 |
| Loan and lease loss provision to assets | 0.0368% | 1,701 |
| Net operating income to assets | 0.7483% | 2,861 |
| Return on assets (ROA) | 0.7483% | 2,854 |
| Pretax return on assets | 0.9566% | 2,586 |
| Return on Equity (ROE) | 7.7918% | 2,760 |
| Retained earnings to average equity (ytd only) | 3.3260% | 3,163 |
| Net charge-offs to loans | -0.0033% | 3,217 |
| Credit loss provision to net charge-offs | -2,250.0000% | 3,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8961% | 2,925 |
| Assets per employee ($millions) | 6.8002% | 2,146 |
| Cash dividends to net income (ytd only)* | 57.3144% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2935% | 2,399 |
| Loan loss allowance to noncurrent loans | 4,022.7848% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0330% | 3,709 |
| Noncurrent loans to loans | 0.0322% | 3,754 |
| Net loans and leases to total assets | 48.8533% | 3,297 |
| Net loans and leases to deposits | 55.7884% | 3,287 |
| Net loans and leases to core deposits | 60.9460% | 3,068 |
| Total domestic deposits to total assets | 87.5689% | 2,717 |
| Equity capital to assets | 8.6667% | 3,010 |
| Core capital (leverage) ratio | 9.5548% | 2,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $489,659,500 | 1,769 |
| Average earning assets | $451,516,500 | 1,782 |
| Average equity | $47,024,000 | 1,815 |
| Average total loans | $244,015,500 | 1,965 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5337% | 2,562 |
| Cost of funding earning assets | 0.4151% | 1,439 |
| Net interest margin | 3.1186% | 2,846 |
| Noninterest income to average assets | 0.7916% | 1,465 |
| Noninterest expense to average assets | 1.8353% | 4,077 |
| Loan and lease loss provision to assets | 0.0279% | 2,499 |
| Net operating income to assets | 1.3943% | 1,298 |
| Return on assets (ROA) | 1.3473% | 1,493 |
| Pretax return on assets | 1.7212% | 1,092 |
| Return on Equity (ROE) | 12.6497% | 1,588 |
| Retained earnings to average equity (ytd only) | 8.6808% | 1,289 |
| Net charge-offs to loans | 0.0614% | 1,167 |
| Credit loss provision to net charge-offs | 90.9091% | 1,871 |
| Earnings coverage of net charge-offs (x) | 58.9650% | 1,189 |
| Efficiency ratio | 50.3679% | 4,259 |
| Assets per employee ($millions) | 6.8986% | 1,993 |
| Cash dividends to net income (ytd only)* | 31.3754% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2920% | 2,397 |
| Loan loss allowance to noncurrent loans | 20,873.3333% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 3,931 |
| Noncurrent loans to loans | 0.0062% | 4,060 |
| Net loans and leases to total assets | 49.5351% | 3,343 |
| Net loans and leases to deposits | 57.9634% | 3,258 |
| Net loans and leases to core deposits | 63.8323% | 2,994 |
| Total domestic deposits to total assets | 85.4592% | 3,105 |
| Equity capital to assets | 10.5663% | 2,114 |
| Core capital (leverage) ratio | 10.0189% | 2,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $466,249,600 | 1,783 |
| Average earning assets | $426,402,600 | 1,814 |
| Average equity | $49,661,400 | 1,781 |
| Average total loans | $232,728,800 | 2,033 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6241% | 2,487 |
| Cost of funding earning assets | 0.4664% | 1,241 |
| Net interest margin | 3.1577% | 2,867 |
| Noninterest income to average assets | 0.9591% | 1,137 |
| Noninterest expense to average assets | 1.8285% | 4,113 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5722% | 1,095 |
| Return on assets (ROA) | 1.5091% | 1,300 |
| Pretax return on assets | 1.9260% | 903 |
| Return on Equity (ROE) | 14.1385% | 1,354 |
| Retained earnings to average equity (ytd only) | 10.1808% | 1,269 |
| Net charge-offs to loans | 0.0700% | 949 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 57.4545% | 1,159 |
| Efficiency ratio | 47.6861% | 4,389 |
| Assets per employee ($millions) | 7.3404% | 1,657 |
| Cash dividends to net income (ytd only)* | 27.9924% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2953% | 2,510 |
| Loan loss allowance to noncurrent loans | 8,637.1429% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 4,006 |
| Noncurrent loans to loans | 0.0150% | 4,094 |
| Net loans and leases to total assets | 48.2795% | 3,606 |
| Net loans and leases to deposits | 57.4242% | 3,453 |
| Net loans and leases to core deposits | 63.7867% | 3,161 |
| Total domestic deposits to total assets | 84.0752% | 3,442 |
| Equity capital to assets | 10.7337% | 2,233 |
| Core capital (leverage) ratio | 9.9859% | 2,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $462,086,000 | 1,821 |
| Average earning assets | $420,764,250 | 1,852 |
| Average equity | $49,320,500 | 1,808 |
| Average total loans | $230,326,500 | 2,086 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5640% | 2,735 |
| Cost of funding earning assets | 0.5312% | 1,027 |
| Net interest margin | 3.0328% | 3,236 |
| Noninterest income to average assets | 0.5273% | 2,500 |
| Noninterest expense to average assets | 1.8019% | 4,178 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1919% | 2,217 |
| Return on assets (ROA) | 1.0939% | 2,641 |
| Pretax return on assets | 1.3608% | 2,436 |
| Return on Equity (ROE) | 10.2691% | 2,657 |
| Retained earnings to average equity (ytd only) | 6.2601% | 2,706 |
| Net charge-offs to loans | 0.0009% | 2,209 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 3,390.0000% | 22 |
| Efficiency ratio | 54.8482% | 3,697 |
| Assets per employee ($millions) | 6.7630% | 1,975 |
| Cash dividends to net income (ytd only)* | 39.0400% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3411% | 2,239 |
| Loan loss allowance to noncurrent loans | 8,271.0526% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 4,074 |
| Noncurrent loans to loans | 0.0162% | 4,144 |
| Net loans and leases to total assets | 49.5477% | 3,602 |
| Net loans and leases to deposits | 60.3564% | 3,364 |
| Net loans and leases to core deposits | 67.1423% | 3,026 |
| Total domestic deposits to total assets | 82.0919% | 3,904 |
| Equity capital to assets | 10.5707% | 2,335 |
| Core capital (leverage) ratio | 9.6742% | 2,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $457,073,333 | 1,828 |
| Average earning assets | $415,653,667 | 1,857 |
| Average equity | $48,689,667 | 1,813 |
| Average total loans | $229,310,000 | 2,100 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6484% | 2,502 |
| Cost of funding earning assets | 0.6076% | 849 |
| Net interest margin | 3.0409% | 3,158 |
| Noninterest income to average assets | 0.2600% | 3,840 |
| Noninterest expense to average assets | 1.7679% | 4,266 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9971% | 2,812 |
| Return on assets (ROA) | 0.9949% | 2,917 |
| Pretax return on assets | 1.2426% | 2,728 |
| Return on Equity (ROE) | 9.3032% | 2,921 |
| Retained earnings to average equity (ytd only) | 5.2677% | 3,139 |
| Net charge-offs to loans | -0.0035% | 3,269 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6733% | 3,207 |
| Assets per employee ($millions) | 7.1344% | 1,703 |
| Cash dividends to net income (ytd only)* | 43.3778% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3682% | 2,110 |
| Loan loss allowance to noncurrent loans | 6,048.0769% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0756% | 3,831 |
| Noncurrent loans to loans | 0.0226% | 4,173 |
| Net loans and leases to total assets | 49.6551% | 3,660 |
| Net loans and leases to deposits | 60.4240% | 3,450 |
| Net loans and leases to core deposits | 66.4354% | 3,206 |
| Total domestic deposits to total assets | 82.1777% | 3,859 |
| Equity capital to assets | 10.4851% | 2,285 |
| Core capital (leverage) ratio | 9.6252% | 2,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $452,285,500 | 1,835 |
| Average earning assets | $409,489,000 | 1,872 |
| Average equity | $48,370,500 | 1,806 |
| Average total loans | $226,786,500 | 2,114 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9108% | 2,997 |
| Cost of funding earning assets | 0.8046% | 1,189 |
| Net interest margin | 3.1062% | 3,614 |
| Noninterest income to average assets | 0.2977% | 3,700 |
| Noninterest expense to average assets | 1.9159% | 4,296 |
| Loan and lease loss provision to assets | 0.2175% | 1,804 |
| Net operating income to assets | 0.8107% | 3,052 |
| Return on assets (ROA) | 0.8706% | 2,960 |
| Pretax return on assets | 1.0779% | 2,778 |
| Return on Equity (ROE) | 8.0366% | 2,807 |
| Retained earnings to average equity (ytd only) | 5.9444% | 1,818 |
| Net charge-offs to loans | 0.0339% | 2,369 |
| Credit loss provision to net charge-offs | 1,184.2105% | 689 |
| Earnings coverage of net charge-offs (x) | 66.5132% | 1,010 |
| Efficiency ratio | 61.0675% | 3,300 |
| Assets per employee ($millions) | 6.9995% | 1,589 |
| Cash dividends to net income (ytd only)* | 26.0339% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4054% | 1,949 |
| Loan loss allowance to noncurrent loans | 1,681.2834% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.0652% | 4,016 |
| Noncurrent loans to loans | 0.0836% | 3,959 |
| Net loans and leases to total assets | 49.2351% | 3,887 |
| Net loans and leases to deposits | 62.2086% | 3,593 |
| Net loans and leases to core deposits | 68.2813% | 3,390 |
| Total domestic deposits to total assets | 79.1452% | 4,185 |
| Equity capital to assets | 10.9083% | 2,333 |
| Core capital (leverage) ratio | 9.9434% | 2,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $413,859,400 | 1,813 |
| Average earning assets | $378,336,000 | 1,840 |
| Average equity | $44,832,200 | 1,856 |
| Average total loans | $224,399,400 | 2,078 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9727% | 3,051 |
| Cost of funding earning assets | 0.8581% | 1,218 |
| Net interest margin | 3.1146% | 3,705 |
| Noninterest income to average assets | 0.2635% | 3,887 |
| Noninterest expense to average assets | 1.9368% | 4,275 |
| Loan and lease loss provision to assets | 0.2714% | 1,492 |
| Net operating income to assets | 0.7408% | 3,316 |
| Return on assets (ROA) | 0.8220% | 3,133 |
| Pretax return on assets | 1.0105% | 3,031 |
| Return on Equity (ROE) | 7.6030% | 2,961 |
| Retained earnings to average equity (ytd only) | 4.7492% | 2,673 |
| Net charge-offs to loans | 0.0445% | 1,989 |
| Credit loss provision to net charge-offs | 1,100.0000% | 782 |
| Earnings coverage of net charge-offs (x) | 47.8933% | 1,224 |
| Efficiency ratio | 62.1097% | 3,060 |
| Assets per employee ($millions) | 6.7746% | 1,639 |
| Cash dividends to net income (ytd only)* | 37.5350% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3247% | 2,065 |
| Loan loss allowance to noncurrent loans | 1,624.3386% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.1145% | 3,859 |
| Noncurrent loans to loans | 0.0816% | 4,041 |
| Net loans and leases to total assets | 51.9307% | 3,972 |
| Net loans and leases to deposits | 64.3337% | 3,768 |
| Net loans and leases to core deposits | 72.0153% | 3,470 |
| Total domestic deposits to total assets | 80.7209% | 3,718 |
| Equity capital to assets | 10.7108% | 2,613 |
| Core capital (leverage) ratio | 9.6103% | 3,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $405,332,000 | 1,825 |
| Average earning assets | $371,525,500 | 1,838 |
| Average equity | $43,823,750 | 1,871 |
| Average total loans | $224,573,750 | 2,071 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0530% | 3,182 |
| Cost of funding earning assets | 0.9387% | 1,195 |
| Net interest margin | 3.1143% | 3,872 |
| Noninterest income to average assets | 0.2759% | 3,821 |
| Noninterest expense to average assets | 1.9474% | 4,332 |
| Loan and lease loss provision to assets | 0.3810% | 1,084 |
| Net operating income to assets | 0.6650% | 3,526 |
| Return on assets (ROA) | 0.7900% | 3,185 |
| Pretax return on assets | 0.9668% | 3,121 |
| Return on Equity (ROE) | 7.2817% | 3,020 |
| Retained earnings to average equity (ytd only) | 2.8893% | 3,434 |
| Net charge-offs to loans | 0.0225% | 2,267 |
| Credit loss provision to net charge-offs | 3,000.0000% | 354 |
| Earnings coverage of net charge-offs (x) | 94.1200% | 722 |
| Efficiency ratio | 61.9625% | 3,134 |
| Assets per employee ($millions) | 6.6834% | 1,652 |
| Cash dividends to net income (ytd only)* | 60.3215% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2949% | 2,029 |
| Loan loss allowance to noncurrent loans | 670.7048% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.1410% | 3,813 |
| Noncurrent loans to loans | 0.1931% | 3,688 |
| Net loans and leases to total assets | 54.2650% | 3,853 |
| Net loans and leases to deposits | 67.9685% | 3,565 |
| Net loans and leases to core deposits | 76.3629% | 3,255 |
| Total domestic deposits to total assets | 79.8385% | 3,869 |
| Equity capital to assets | 10.5638% | 2,698 |
| Core capital (leverage) ratio | 9.7915% | 3,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $393,660,000 | 1,838 |
| Average earning assets | $362,397,333 | 1,846 |
| Average equity | $42,710,000 | 1,896 |
| Average total loans | $222,183,000 | 2,063 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1198% | 3,467 |
| Cost of funding earning assets | 1.0589% | 1,188 |
| Net interest margin | 3.0609% | 4,177 |
| Noninterest income to average assets | 0.3335% | 3,532 |
| Noninterest expense to average assets | 2.0222% | 4,359 |
| Loan and lease loss provision to assets | 0.2761% | 1,130 |
| Net operating income to assets | 0.7063% | 3,251 |
| Return on assets (ROA) | 0.9644% | 2,402 |
| Pretax return on assets | 1.1906% | 2,229 |
| Return on Equity (ROE) | 8.7576% | 2,209 |
| Retained earnings to average equity (ytd only) | 4.2341% | 2,591 |
| Net charge-offs to loans | 0.0111% | 2,188 |
| Credit loss provision to net charge-offs | 4,333.3333% | 188 |
| Earnings coverage of net charge-offs (x) | 180.1667% | 372 |
| Efficiency ratio | 63.7856% | 3,267 |
| Assets per employee ($millions) | 6.0307% | 1,652 |
| Cash dividends to net income (ytd only)* | 51.6520% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1792% | 2,781 |
| Loan loss allowance to noncurrent loans | 570.7317% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.1593% | 3,862 |
| Noncurrent loans to loans | 0.2066% | 3,741 |
| Net loans and leases to total assets | 55.8860% | 3,850 |
| Net loans and leases to deposits | 67.5152% | 3,762 |
| Net loans and leases to core deposits | 77.9360% | 3,358 |
| Total domestic deposits to total assets | 82.7754% | 3,186 |
| Equity capital to assets | 10.8129% | 3,039 |
| Core capital (leverage) ratio | 10.6362% | 2,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $376,622,000 | 1,864 |
| Average earning assets | $349,048,500 | 1,856 |
| Average equity | $41,472,500 | 1,933 |
| Average total loans | $215,696,500 | 2,077 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1649% | 3,898 |
| Cost of funding earning assets | 0.9796% | 1,815 |
| Net interest margin | 3.1853% | 4,217 |
| Noninterest income to average assets | 0.5014% | 2,732 |
| Noninterest expense to average assets | 2.2153% | 4,135 |
| Loan and lease loss provision to assets | 0.0517% | 2,989 |
| Net operating income to assets | 0.9536% | 3,004 |
| Return on assets (ROA) | 1.1128% | 2,482 |
| Pretax return on assets | 1.3766% | 2,245 |
| Return on Equity (ROE) | 9.6797% | 2,443 |
| Retained earnings to average equity (ytd only) | 4.9911% | 2,421 |
| Net charge-offs to loans | 0.0239% | 2,925 |
| Credit loss provision to net charge-offs | 367.3469% | 757 |
| Earnings coverage of net charge-offs (x) | 87.4898% | 746 |
| Efficiency ratio | 64.2661% | 3,040 |
| Assets per employee ($millions) | 5.8298% | 1,771 |
| Cash dividends to net income (ytd only)* | 48.4379% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0886% | 3,014 |
| Loan loss allowance to noncurrent loans | 760.6557% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.2039% | 3,647 |
| Noncurrent loans to loans | 0.1431% | 3,957 |
| Net loans and leases to total assets | 57.3947% | 3,818 |
| Net loans and leases to deposits | 68.0857% | 3,813 |
| Net loans and leases to core deposits | 79.6438% | 3,326 |
| Total domestic deposits to total assets | 84.2977% | 2,754 |
| Equity capital to assets | 11.2207% | 2,792 |
| Core capital (leverage) ratio | 10.8170% | 2,666 |
| Tier 1 risk-based capital ratio | 15.5903% | 2,544 |
| Total risk-based capital ratio | 16.4984% | 2,611 |
| Memoranda: | ||
| Average total assets | $348,038,800 | 1,915 |
| Average earning assets | $321,855,200 | 1,915 |
| Average equity | $40,011,600 | 1,932 |
| Average total loans | $204,734,200 | 2,134 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1450% | 4,048 |
| Cost of funding earning assets | 0.9763% | 1,866 |
| Net interest margin | 3.1687% | 4,362 |
| Noninterest income to average assets | 0.4584% | 2,969 |
| Noninterest expense to average assets | 2.2694% | 4,031 |
| Loan and lease loss provision to assets | 0.0466% | 2,966 |
| Net operating income to assets | 0.8875% | 3,394 |
| Return on assets (ROA) | 1.1087% | 2,628 |
| Pretax return on assets | 1.3363% | 2,540 |
| Return on Equity (ROE) | 9.5822% | 2,630 |
| Retained earnings to average equity (ytd only) | 4.8582% | 2,957 |
| Net charge-offs to loans | 0.0132% | 2,906 |
| Credit loss provision to net charge-offs | 600.0000% | 537 |
| Earnings coverage of net charge-offs (x) | 143.6783% | 555 |
| Efficiency ratio | 67.0262% | 2,584 |
| Assets per employee ($millions) | 5.6208% | 1,913 |
| Cash dividends to net income (ytd only)* | 49.2991% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0899% | 3,080 |
| Loan loss allowance to noncurrent loans | 344.7289% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.2313% | 3,653 |
| Noncurrent loans to loans | 0.3162% | 3,397 |
| Net loans and leases to total assets | 56.8568% | 3,981 |
| Net loans and leases to deposits | 68.7833% | 3,858 |
| Net loans and leases to core deposits | 79.4790% | 3,426 |
| Total domestic deposits to total assets | 82.6608% | 3,265 |
| Equity capital to assets | 11.5817% | 2,603 |
| Core capital (leverage) ratio | 10.8082% | 2,831 |
| Tier 1 risk-based capital ratio | 16.3093% | 2,331 |
| Total risk-based capital ratio | 17.2597% | 2,368 |
| Memoranda: | ||
| Average total assets | $343,229,000 | 1,943 |
| Average earning assets | $317,097,750 | 1,942 |
| Average equity | $39,711,750 | 1,952 |
| Average total loans | $202,638,250 | 2,164 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0896% | 4,187 |
| Cost of funding earning assets | 0.8814% | 2,236 |
| Net interest margin | 3.2082% | 4,351 |
| Noninterest income to average assets | 0.5139% | 2,597 |
| Noninterest expense to average assets | 2.3302% | 3,929 |
| Loan and lease loss provision to assets | 0.0357% | 3,106 |
| Net operating income to assets | 0.9431% | 3,115 |
| Return on assets (ROA) | 0.9695% | 3,101 |
| Pretax return on assets | 1.1398% | 3,123 |
| Return on Equity (ROE) | 8.3822% | 3,120 |
| Retained earnings to average equity (ytd only) | 3.5526% | 3,467 |
| Net charge-offs to loans | 0.0200% | 2,464 |
| Credit loss provision to net charge-offs | 300.0000% | 895 |
| Earnings coverage of net charge-offs (x) | 96.1000% | 718 |
| Efficiency ratio | 67.0608% | 2,677 |
| Assets per employee ($millions) | 5.3973% | 2,049 |
| Cash dividends to net income (ytd only)* | 57.6167% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1113% | 3,015 |
| Loan loss allowance to noncurrent loans | 296.1487% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.3038% | 3,331 |
| Noncurrent loans to loans | 0.3752% | 3,182 |
| Net loans and leases to total assets | 54.0689% | 4,201 |
| Net loans and leases to deposits | 64.3384% | 4,207 |
| Net loans and leases to core deposits | 74.6211% | 3,851 |
| Total domestic deposits to total assets | 84.0383% | 2,843 |
| Equity capital to assets | 11.0314% | 3,011 |
| Core capital (leverage) ratio | 11.3523% | 2,294 |
| Tier 1 risk-based capital ratio | 16.3160% | 2,298 |
| Total risk-based capital ratio | 17.2605% | 2,350 |
| Memoranda: | ||
| Average total assets | $335,855,000 | 1,982 |
| Average earning assets | $309,960,000 | 1,981 |
| Average equity | $38,844,330 | 1,989 |
| Average total loans | $200,179,000 | 2,187 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1595% | 3,972 |
| Cost of funding earning assets | 0.8145% | 2,450 |
| Net interest margin | 3.3450% | 4,046 |
| Noninterest income to average assets | 0.6932% | 1,637 |
| Noninterest expense to average assets | 2.3855% | 3,807 |
| Loan and lease loss provision to assets | 0.0500% | 2,657 |
| Net operating income to assets | 1.1232% | 2,380 |
| Return on assets (ROA) | 1.1777% | 2,187 |
| Pretax return on assets | 1.4001% | 2,084 |
| Return on Equity (ROE) | 9.9203% | 2,405 |
| Retained earnings to average equity (ytd only) | 4.9865% | 2,915 |
| Net charge-offs to loans | 0.0140% | 2,207 |
| Credit loss provision to net charge-offs | 571.4286% | 560 |
| Earnings coverage of net charge-offs (x) | 158.4286% | 487 |
| Efficiency ratio | 63.2660% | 3,349 |
| Assets per employee ($millions) | 5.0175% | 2,498 |
| Cash dividends to net income (ytd only)* | 49.7349% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1089% | 3,077 |
| Loan loss allowance to noncurrent loans | 275.6824% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.3476% | 3,217 |
| Noncurrent loans to loans | 0.4022% | 3,147 |
| Net loans and leases to total assets | 59.8380% | 3,727 |
| Net loans and leases to deposits | 72.7518% | 3,550 |
| Net loans and leases to core deposits | 86.1208% | 2,859 |
| Total domestic deposits to total assets | 82.2495% | 3,662 |
| Equity capital to assets | 11.7274% | 2,209 |
| Core capital (leverage) ratio | 12.1049% | 1,707 |
| Tier 1 risk-based capital ratio | 16.8084% | 2,170 |
| Total risk-based capital ratio | 17.7834% | 2,204 |
| Memoranda: | ||
| Average total assets | $320,274,000 | 2,061 |
| Average earning assets | $294,651,000 | 2,081 |
| Average equity | $38,023,000 | 2,015 |
| Average total loans | $199,932,500 | 2,214 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0121% | 3,996 |
| Cost of funding earning assets | 0.4822% | 3,465 |
| Net interest margin | 3.5300% | 3,603 |
| Noninterest income to average assets | 0.5124% | 2,762 |
| Noninterest expense to average assets | 2.4381% | 3,776 |
| Loan and lease loss provision to assets | 0.0580% | 3,001 |
| Net operating income to assets | 1.0768% | 2,689 |
| Return on assets (ROA) | 1.0845% | 2,657 |
| Pretax return on assets | 1.2695% | 2,619 |
| Return on Equity (ROE) | 9.3751% | 2,798 |
| Retained earnings to average equity (ytd only) | 7.5614% | 1,432 |
| Net charge-offs to loans | 0.0410% | 2,591 |
| Credit loss provision to net charge-offs | 230.7692% | 1,277 |
| Earnings coverage of net charge-offs (x) | 52.4487% | 1,100 |
| Efficiency ratio | 64.9022% | 3,043 |
| Assets per employee ($millions) | 4.6878% | 2,898 |
| Cash dividends to net income (ytd only)* | 19.3462% | 3,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0973% | 3,114 |
| Loan loss allowance to noncurrent loans | 464.7558% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.2686% | 3,507 |
| Noncurrent loans to loans | 0.2361% | 3,736 |
| Net loans and leases to total assets | 63.7693% | 3,383 |
| Net loans and leases to deposits | 78.0416% | 3,162 |
| Net loans and leases to core deposits | 84.9880% | 3,003 |
| Total domestic deposits to total assets | 81.7119% | 3,718 |
| Equity capital to assets | 12.0268% | 1,875 |
| Core capital (leverage) ratio | 12.1599% | 1,635 |
| Tier 1 risk-based capital ratio | 16.8172% | 2,129 |
| Total risk-based capital ratio | 17.7946% | 2,170 |
| Memoranda: | ||
| Average total assets | $310,282,400 | 2,089 |
| Average earning assets | $285,159,000 | 2,103 |
| Average equity | $35,893,000 | 2,039 |
| Average total loans | $190,270,600 | 2,246 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9515% | 4,075 |
| Cost of funding earning assets | 0.4117% | 3,778 |
| Net interest margin | 3.5398% | 3,558 |
| Noninterest income to average assets | 0.5380% | 2,624 |
| Noninterest expense to average assets | 2.3999% | 3,856 |
| Loan and lease loss provision to assets | 0.0601% | 2,777 |
| Net operating income to assets | 1.1091% | 2,622 |
| Return on assets (ROA) | 1.1293% | 2,545 |
| Pretax return on assets | 1.3509% | 2,423 |
| Return on Equity (ROE) | 9.8600% | 2,685 |
| Retained earnings to average equity (ytd only) | 8.1692% | 1,573 |
| Net charge-offs to loans | 0.0362% | 2,357 |
| Credit loss provision to net charge-offs | 274.5098% | 1,098 |
| Earnings coverage of net charge-offs (x) | 63.3318% | 1,022 |
| Efficiency ratio | 63.3745% | 3,282 |
| Assets per employee ($millions) | 4.6594% | 2,896 |
| Cash dividends to net income (ytd only)* | 17.1483% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1340% | 3,005 |
| Loan loss allowance to noncurrent loans | 311.7479% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.3485% | 3,282 |
| Noncurrent loans to loans | 0.3638% | 3,344 |
| Net loans and leases to total assets | 60.7695% | 3,768 |
| Net loans and leases to deposits | 73.3682% | 3,653 |
| Net loans and leases to core deposits | 79.0247% | 3,567 |
| Total domestic deposits to total assets | 82.8281% | 3,365 |
| Equity capital to assets | 11.5790% | 2,203 |
| Core capital (leverage) ratio | 12.0870% | 1,733 |
| Tier 1 risk-based capital ratio | 17.1116% | 2,058 |
| Total risk-based capital ratio | 18.1144% | 2,099 |
| Memoranda: | ||
| Average total assets | $310,505,000 | 2,103 |
| Average earning assets | $284,983,500 | 2,115 |
| Average equity | $35,563,750 | 2,060 |
| Average total loans | $187,966,750 | 2,275 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8980% | 4,086 |
| Cost of funding earning assets | 0.3751% | 3,911 |
| Net interest margin | 3.5230% | 3,561 |
| Noninterest income to average assets | 0.4323% | 3,273 |
| Noninterest expense to average assets | 2.3765% | 3,960 |
| Loan and lease loss provision to assets | 0.0516% | 2,883 |
| Net operating income to assets | 1.0505% | 2,803 |
| Return on assets (ROA) | 1.0505% | 2,795 |
| Pretax return on assets | 1.2409% | 2,766 |
| Return on Equity (ROE) | 9.2057% | 2,928 |
| Retained earnings to average equity (ytd only) | 6.6555% | 2,226 |
| Net charge-offs to loans | 0.0246% | 2,368 |
| Credit loss provision to net charge-offs | 347.8261% | 907 |
| Earnings coverage of net charge-offs (x) | 87.0870% | 772 |
| Efficiency ratio | 64.7731% | 3,198 |
| Assets per employee ($millions) | 4.6814% | 2,840 |
| Cash dividends to net income (ytd only)* | 27.7027% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1423% | 3,022 |
| Loan loss allowance to noncurrent loans | 1,030.7692% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.1288% | 4,358 |
| Noncurrent loans to loans | 0.1108% | 4,413 |
| Net loans and leases to total assets | 60.0536% | 3,806 |
| Net loans and leases to deposits | 72.4329% | 3,678 |
| Net loans and leases to core deposits | 78.2367% | 3,557 |
| Total domestic deposits to total assets | 82.9092% | 3,434 |
| Equity capital to assets | 11.5595% | 2,159 |
| Core capital (leverage) ratio | 11.6801% | 1,921 |
| Tier 1 risk-based capital ratio | 17.1839% | 2,035 |
| Total risk-based capital ratio | 18.2037% | 2,060 |
| Memoranda: | ||
| Average total assets | $309,947,330 | 2,120 |
| Average earning assets | $284,759,670 | 2,131 |
| Average equity | $35,369,330 | 2,074 |
| Average total loans | $186,660,670 | 2,292 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8169% | 4,171 |
| Cost of funding earning assets | 0.3568% | 3,932 |
| Net interest margin | 3.4601% | 3,672 |
| Noninterest income to average assets | 0.4445% | 3,152 |
| Noninterest expense to average assets | 2.3825% | 3,998 |
| Loan and lease loss provision to assets | 0.0515% | 2,745 |
| Net operating income to assets | 1.0104% | 2,820 |
| Return on assets (ROA) | 1.0115% | 2,836 |
| Pretax return on assets | 1.1983% | 2,754 |
| Return on Equity (ROE) | 8.9215% | 2,944 |
| Retained earnings to average equity (ytd only) | 3.7959% | 3,678 |
| Net charge-offs to loans | 0.0193% | 2,110 |
| Credit loss provision to net charge-offs | 444.4444% | 645 |
| Earnings coverage of net charge-offs (x) | 107.6667% | 579 |
| Efficiency ratio | 65.6139% | 3,233 |
| Assets per employee ($millions) | 4.6869% | 2,875 |
| Cash dividends to net income (ytd only)* | 57.4522% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1399% | 3,143 |
| Loan loss allowance to noncurrent loans | 1,043.3498% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.1251% | 4,457 |
| Noncurrent loans to loans | 0.1093% | 4,485 |
| Net loans and leases to total assets | 58.4958% | 3,893 |
| Net loans and leases to deposits | 70.1140% | 3,779 |
| Net loans and leases to core deposits | 75.0789% | 3,735 |
| Total domestic deposits to total assets | 83.4296% | 3,530 |
| Equity capital to assets | 11.1269% | 2,458 |
| Core capital (leverage) ratio | 11.4956% | 2,018 |
| Tier 1 risk-based capital ratio | 16.9802% | 2,121 |
| Total risk-based capital ratio | 17.9995% | 2,140 |
| Memoranda: | ||
| Average total assets | $310,434,000 | 2,141 |
| Average earning assets | $285,889,000 | 2,148 |
| Average equity | $35,196,000 | 2,089 |
| Average total loans | $186,144,000 | 2,312 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7759% | 4,127 |
| Cost of funding earning assets | 0.2721% | 4,382 |
| Net interest margin | 3.5038% | 3,516 |
| Noninterest income to average assets | 0.8167% | 1,510 |
| Noninterest expense to average assets | 2.4930% | 3,807 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1023% | 1,848 |
| Return on assets (ROA) | 1.0743% | 1,980 |
| Pretax return on assets | 1.5043% | 1,629 |
| Return on Equity (ROE) | 9.2755% | 2,185 |
| Retained earnings to average equity (ytd only) | 4.6121% | 2,386 |
| Net charge-offs to loans | 0.0067% | 3,836 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 388.9167% | 228 |
| Efficiency ratio | 61.7584% | 3,977 |
| Assets per employee ($millions) | 4.3217% | 3,451 |
| Cash dividends to net income (ytd only)* | 50.2771% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 3,247 |
| Loan loss allowance to noncurrent loans | 895.7082% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.1379% | 4,449 |
| Noncurrent loans to loans | 0.1249% | 4,425 |
| Net loans and leases to total assets | 60.0931% | 3,821 |
| Net loans and leases to deposits | 72.0630% | 3,697 |
| Net loans and leases to core deposits | 77.0004% | 3,666 |
| Total domestic deposits to total assets | 83.3896% | 3,428 |
| Equity capital to assets | 11.5534% | 2,154 |
| Core capital (leverage) ratio | 11.3676% | 2,044 |
| Tier 1 risk-based capital ratio | 16.9969% | 2,096 |
| Total risk-based capital ratio | 18.0123% | 2,119 |
| Memoranda: | ||
| Average total assets | $302,325,400 | 2,154 |
| Average earning assets | $277,840,200 | 2,169 |
| Average equity | $35,016,800 | 2,080 |
| Average total loans | $178,454,200 | 2,349 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7269% | 4,248 |
| Cost of funding earning assets | 0.2576% | 4,502 |
| Net interest margin | 3.4693% | 3,602 |
| Noninterest income to average assets | 0.8544% | 1,414 |
| Noninterest expense to average assets | 2.3993% | 4,023 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2464% | 1,521 |
| Return on assets (ROA) | 1.2443% | 1,557 |
| Pretax return on assets | 1.6361% | 1,294 |
| Return on Equity (ROE) | 10.7365% | 1,808 |
| Retained earnings to average equity (ytd only) | 6.2180% | 2,099 |
| Net charge-offs to loans | 0.0098% | 3,379 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 284.8171% | 318 |
| Efficiency ratio | 59.4168% | 4,303 |
| Assets per employee ($millions) | 4.4103% | 3,294 |
| Cash dividends to net income (ytd only)* | 42.0845% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1571% | 3,164 |
| Loan loss allowance to noncurrent loans | 412.2530% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.1720% | 4,414 |
| Noncurrent loans to loans | 0.2807% | 3,942 |
| Net loans and leases to total assets | 57.7216% | 4,089 |
| Net loans and leases to deposits | 68.5706% | 4,072 |
| Net loans and leases to core deposits | 73.1665% | 4,047 |
| Total domestic deposits to total assets | 84.1784% | 3,053 |
| Equity capital to assets | 11.6143% | 2,262 |
| Core capital (leverage) ratio | 11.6315% | 1,928 |
| Tier 1 risk-based capital ratio | 17.6272% | 1,967 |
| Total risk-based capital ratio | 18.6777% | 1,977 |
| Memoranda: | ||
| Average total assets | $301,195,750 | 2,179 |
| Average earning assets | $276,401,250 | 2,192 |
| Average equity | $34,908,250 | 2,088 |
| Average total loans | $176,448,000 | 2,380 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6870% | 4,265 |
| Cost of funding earning assets | 0.2458% | 4,580 |
| Net interest margin | 3.4412% | 3,626 |
| Noninterest income to average assets | 1.0593% | 898 |
| Noninterest expense to average assets | 2.4126% | 4,015 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3666% | 1,136 |
| Return on assets (ROA) | 1.3666% | 1,163 |
| Pretax return on assets | 1.8052% | 829 |
| Return on Equity (ROE) | 11.8003% | 1,360 |
| Retained earnings to average equity (ytd only) | 7.2386% | 1,480 |
| Net charge-offs to loans | 0.0160% | 2,926 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 192.5714% | 425 |
| Efficiency ratio | 57.1996% | 4,681 |
| Assets per employee ($millions) | 4.4640% | 3,170 |
| Cash dividends to net income (ytd only)* | 38.6575% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1624% | 3,232 |
| Loan loss allowance to noncurrent loans | 393.3962% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.2385% | 4,190 |
| Noncurrent loans to loans | 0.2955% | 3,984 |
| Net loans and leases to total assets | 58.4050% | 3,984 |
| Net loans and leases to deposits | 69.5267% | 3,945 |
| Net loans and leases to core deposits | 74.2649% | 3,919 |
| Total domestic deposits to total assets | 84.0037% | 3,193 |
| Equity capital to assets | 11.7061% | 2,146 |
| Core capital (leverage) ratio | 11.5456% | 1,939 |
| Tier 1 risk-based capital ratio | 17.6039% | 1,974 |
| Total risk-based capital ratio | 18.6639% | 1,994 |
| Memoranda: | ||
| Average total assets | $298,686,670 | 2,195 |
| Average earning assets | $274,151,000 | 2,207 |
| Average equity | $34,592,330 | 2,099 |
| Average total loans | $175,168,670 | 2,393 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6535% | 4,267 |
| Cost of funding earning assets | 0.2411% | 4,622 |
| Net interest margin | 3.4124% | 3,615 |
| Noninterest income to average assets | 1.7026% | 395 |
| Noninterest expense to average assets | 2.4330% | 4,020 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7350% | 515 |
| Return on assets (ROA) | 1.7350% | 520 |
| Pretax return on assets | 2.4033% | 253 |
| Return on Equity (ROE) | 15.0638% | 632 |
| Retained earnings to average equity (ytd only) | 10.4450% | 715 |
| Net charge-offs to loans | 0.0254% | 2,249 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 161.8182% | 334 |
| Efficiency ratio | 50.3071% | 5,360 |
| Assets per employee ($millions) | 4.5622% | 3,073 |
| Cash dividends to net income (ytd only)* | 30.6615% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2191% | 3,015 |
| Loan loss allowance to noncurrent loans | 378.2609% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.2478% | 4,218 |
| Noncurrent loans to loans | 0.3223% | 3,967 |
| Net loans and leases to total assets | 56.1874% | 4,151 |
| Net loans and leases to deposits | 67.9431% | 3,996 |
| Net loans and leases to core deposits | 72.1650% | 3,973 |
| Total domestic deposits to total assets | 82.6977% | 3,949 |
| Equity capital to assets | 11.5063% | 2,175 |
| Core capital (leverage) ratio | 11.8185% | 1,739 |
| Tier 1 risk-based capital ratio | 18.1895% | 1,806 |
| Total risk-based capital ratio | 19.2979% | 1,818 |
| Memoranda: | ||
| Average total assets | $296,254,500 | 2,228 |
| Average earning assets | $272,065,000 | 2,237 |
| Average equity | $34,121,500 | 2,138 |
| Average total loans | $173,066,000 | 2,426 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6788% | 4,279 |
| Cost of funding earning assets | 0.2265% | 4,768 |
| Net interest margin | 3.4523% | 3,619 |
| Noninterest income to average assets | 0.4710% | 3,403 |
| Noninterest expense to average assets | 2.4841% | 4,067 |
| Loan and lease loss provision to assets | 0.0287% | 3,779 |
| Net operating income to assets | 0.9262% | 2,700 |
| Return on assets (ROA) | 0.9262% | 2,816 |
| Pretax return on assets | 1.1457% | 2,915 |
| Return on Equity (ROE) | 7.5092% | 3,213 |
| Retained earnings to average equity (ytd only) | 2.3674% | 4,177 |
| Net charge-offs to loans | 0.0190% | 3,679 |
| Credit loss provision to net charge-offs | 266.6667% | 1,079 |
| Earnings coverage of net charge-offs (x) | 109.1333% | 551 |
| Efficiency ratio | 67.8988% | 3,255 |
| Assets per employee ($millions) | 4.4152% | 3,245 |
| Cash dividends to net income (ytd only)* | 68.4741% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 3,124 |
| Loan loss allowance to noncurrent loans | 305.0872% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.2769% | 4,167 |
| Noncurrent loans to loans | 0.3935% | 3,734 |
| Net loans and leases to total assets | 59.2861% | 3,927 |
| Net loans and leases to deposits | 72.4311% | 3,667 |
| Net loans and leases to core deposits | 77.1317% | 3,645 |
| Total domestic deposits to total assets | 81.8517% | 4,113 |
| Equity capital to assets | 11.5294% | 2,139 |
| Core capital (leverage) ratio | 11.6571% | 1,821 |
| Tier 1 risk-based capital ratio | 17.6794% | 1,952 |
| Total risk-based capital ratio | 18.7921% | 1,954 |
| Memoranda: | ||
| Average total assets | $278,778,000 | 2,291 |
| Average earning assets | $257,392,800 | 2,297 |
| Average equity | $34,384,400 | 2,115 |
| Average total loans | $157,936,800 | 2,542 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6716% | 4,340 |
| Cost of funding earning assets | 0.2248% | 4,835 |
| Net interest margin | 3.4468% | 3,682 |
| Noninterest income to average assets | 0.4852% | 3,352 |
| Noninterest expense to average assets | 2.4516% | 4,130 |
| Loan and lease loss provision to assets | 0.0097% | 4,044 |
| Net operating income to assets | 0.9989% | 2,438 |
| Return on assets (ROA) | 0.9989% | 2,577 |
| Pretax return on assets | 1.2055% | 2,811 |
| Return on Equity (ROE) | 7.9617% | 3,026 |
| Retained earnings to average equity (ytd only) | 2.6642% | 4,315 |
| Net charge-offs to loans | 0.0174% | 3,372 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | 125.5812% | 552 |
| Efficiency ratio | 66.8602% | 3,449 |
| Assets per employee ($millions) | 4.6037% | 2,920 |
| Cash dividends to net income (ytd only)* | 66.5375% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2563% | 2,919 |
| Loan loss allowance to noncurrent loans | 528.0928% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.1832% | 4,706 |
| Noncurrent loans to loans | 0.2379% | 4,420 |
| Net loans and leases to total assets | 56.4224% | 4,266 |
| Net loans and leases to deposits | 67.7916% | 4,171 |
| Net loans and leases to core deposits | 72.1272% | 4,150 |
| Total domestic deposits to total assets | 83.2292% | 3,503 |
| Equity capital to assets | 12.2576% | 1,935 |
| Core capital (leverage) ratio | 11.7886% | 1,819 |
| Tier 1 risk-based capital ratio | 19.1442% | 1,639 |
| Total risk-based capital ratio | 20.3247% | 1,611 |
| Memoranda: | ||
| Average total assets | $275,621,500 | 2,322 |
| Average earning assets | $254,413,000 | 2,338 |
| Average equity | $34,581,250 | 2,109 |
| Average total loans | $153,705,750 | 2,595 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6166% | 4,542 |
| Cost of funding earning assets | 0.2191% | 4,948 |
| Net interest margin | 3.3975% | 3,906 |
| Noninterest income to average assets | 0.4854% | 3,298 |
| Noninterest expense to average assets | 2.4982% | 4,031 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9488% | 2,629 |
| Return on assets (ROA) | 0.9488% | 2,771 |
| Pretax return on assets | 1.1191% | 3,126 |
| Return on Equity (ROE) | 7.5016% | 3,263 |
| Retained earnings to average equity (ytd only) | 4.1166% | 3,285 |
| Net charge-offs to loans | 0.0093% | 3,387 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 217.7143% | 299 |
| Efficiency ratio | 69.0621% | 3,140 |
| Assets per employee ($millions) | 4.4233% | 3,176 |
| Cash dividends to net income (ytd only)* | 45.1238% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2925% | 2,830 |
| Loan loss allowance to noncurrent loans | 575.2113% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.1731% | 4,809 |
| Noncurrent loans to loans | 0.2247% | 4,534 |
| Net loans and leases to total assets | 55.0889% | 4,404 |
| Net loans and leases to deposits | 66.7206% | 4,291 |
| Net loans and leases to core deposits | 70.0266% | 4,322 |
| Total domestic deposits to total assets | 82.5666% | 3,809 |
| Equity capital to assets | 12.4919% | 1,777 |
| Core capital (leverage) ratio | 12.2572% | 1,484 |
| Tier 1 risk-based capital ratio | 19.3937% | 1,597 |
| Total risk-based capital ratio | 20.5849% | 1,575 |
| Memoranda: | ||
| Average total assets | $272,351,670 | 2,359 |
| Average earning assets | $251,068,000 | 2,373 |
| Average equity | $34,446,000 | 2,123 |
| Average total loans | $150,575,670 | 2,637 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6317% | 4,535 |
| Cost of funding earning assets | 0.2221% | 4,976 |
| Net interest margin | 3.4096% | 3,841 |
| Noninterest income to average assets | 0.5154% | 3,019 |
| Noninterest expense to average assets | 2.5410% | 3,941 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9649% | 2,437 |
| Return on assets (ROA) | 0.9649% | 2,549 |
| Pretax return on assets | 1.1252% | 2,991 |
| Return on Equity (ROE) | 7.5793% | 3,144 |
| Retained earnings to average equity (ytd only) | 4.1545% | 3,410 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3094% | 3,248 |
| Assets per employee ($millions) | 4.2601% | 3,471 |
| Cash dividends to net income (ytd only)* | 45.1863% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3778% | 2,524 |
| Loan loss allowance to noncurrent loans | 271.3907% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.3319% | 4,235 |
| Noncurrent loans to loans | 0.5077% | 3,657 |
| Net loans and leases to total assets | 53.7927% | 4,469 |
| Net loans and leases to deposits | 63.5169% | 4,472 |
| Net loans and leases to core deposits | 66.4665% | 4,506 |
| Total domestic deposits to total assets | 84.6903% | 3,245 |
| Equity capital to assets | 12.5790% | 1,633 |
| Core capital (leverage) ratio | 12.3710% | 1,395 |
| Tier 1 risk-based capital ratio | 19.8594% | 1,536 |
| Total risk-based capital ratio | 21.0966% | 1,503 |
| Memoranda: | ||
| Average total assets | $266,983,500 | 2,414 |
| Average earning assets | $246,714,500 | 2,415 |
| Average equity | $33,987,500 | 2,148 |
| Average total loans | $146,867,500 | 2,695 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6679% | 4,464 |
| Cost of funding earning assets | 0.2534% | 4,743 |
| Net interest margin | 3.4145% | 3,856 |
| Noninterest income to average assets | 0.5078% | 3,268 |
| Noninterest expense to average assets | 2.6627% | 3,720 |
| Loan and lease loss provision to assets | 0.0312% | 3,746 |
| Net operating income to assets | 0.8029% | 3,323 |
| Return on assets (ROA) | 0.8109% | 3,369 |
| Pretax return on assets | 0.9473% | 3,660 |
| Return on Equity (ROE) | 6.2412% | 3,933 |
| Retained earnings to average equity (ytd only) | 2.7352% | 4,128 |
| Net charge-offs to loans | -0.0099% | 5,108 |
| Credit loss provision to net charge-offs | -571.4286% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3155% | 2,689 |
| Assets per employee ($millions) | 4.0832% | 3,789 |
| Cash dividends to net income (ytd only)* | 56.1749% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4129% | 2,363 |
| Loan loss allowance to noncurrent loans | 265.0712% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.3654% | 4,125 |
| Noncurrent loans to loans | 0.5330% | 3,573 |
| Net loans and leases to total assets | 54.7118% | 4,428 |
| Net loans and leases to deposits | 65.0281% | 4,399 |
| Net loans and leases to core deposits | 68.2939% | 4,425 |
| Total domestic deposits to total assets | 84.1357% | 3,434 |
| Equity capital to assets | 12.8879% | 1,405 |
| Core capital (leverage) ratio | 12.2810% | 1,465 |
| Tier 1 risk-based capital ratio | 19.7377% | 1,533 |
| Total risk-based capital ratio | 20.9799% | 1,509 |
| Memoranda: | ||
| Average total assets | $256,620,400 | 2,455 |
| Average earning assets | $234,793,000 | 2,464 |
| Average equity | $33,343,000 | 2,131 |
| Average total loans | $141,238,800 | 2,712 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6689% | 4,526 |
| Cost of funding earning assets | 0.2606% | 4,767 |
| Net interest margin | 3.4084% | 3,917 |
| Noninterest income to average assets | 0.5167% | 3,248 |
| Noninterest expense to average assets | 2.5941% | 3,902 |
| Loan and lease loss provision to assets | 0.0418% | 3,379 |
| Net operating income to assets | 0.8071% | 3,398 |
| Return on assets (ROA) | 0.8174% | 3,431 |
| Pretax return on assets | 1.0001% | 3,616 |
| Return on Equity (ROE) | 6.2778% | 4,013 |
| Retained earnings to average equity (ytd only) | 2.7661% | 4,456 |
| Net charge-offs to loans | -0.0219% | 5,236 |
| Credit loss provision to net charge-offs | -347.8261% | 5,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5932% | 2,947 |
| Assets per employee ($millions) | 3.9221% | 4,033 |
| Cash dividends to net income (ytd only)* | 55.9386% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4213% | 2,498 |
| Loan loss allowance to noncurrent loans | 248.8513% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.3931% | 4,200 |
| Noncurrent loans to loans | 0.5711% | 3,623 |
| Net loans and leases to total assets | 54.3204% | 4,534 |
| Net loans and leases to deposits | 64.4393% | 4,522 |
| Net loans and leases to core deposits | 67.5072% | 4,582 |
| Total domestic deposits to total assets | 84.2970% | 3,306 |
| Equity capital to assets | 12.7476% | 1,588 |
| Core capital (leverage) ratio | 12.5156% | 1,411 |
| Tier 1 risk-based capital ratio | 19.7515% | 1,611 |
| Total risk-based capital ratio | 21.0031% | 1,573 |
| Memoranda: | ||
| Average total assets | $255,445,000 | 2,479 |
| Average earning assets | $232,834,000 | 2,500 |
| Average equity | $33,259,000 | 2,146 |
| Average total loans | $140,292,750 | 2,742 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6709% | 4,502 |
| Cost of funding earning assets | 0.2663% | 4,755 |
| Net interest margin | 3.4046% | 3,895 |
| Noninterest income to average assets | 0.5162% | 3,257 |
| Noninterest expense to average assets | 2.6063% | 3,883 |
| Loan and lease loss provision to assets | 0.0395% | 3,328 |
| Net operating income to assets | 0.8150% | 3,306 |
| Return on assets (ROA) | 0.8150% | 3,411 |
| Pretax return on assets | 0.9731% | 3,684 |
| Return on Equity (ROE) | 6.2147% | 4,033 |
| Retained earnings to average equity (ytd only) | 2.6944% | 4,344 |
| Net charge-offs to loans | -0.0447% | 5,505 |
| Credit loss provision to net charge-offs | -161.2903% | 4,989 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0183% | 2,994 |
| Assets per employee ($millions) | 3.9701% | 3,942 |
| Cash dividends to net income (ytd only)* | 56.6440% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4672% | 2,424 |
| Loan loss allowance to noncurrent loans | 201.9841% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.4716% | 4,049 |
| Noncurrent loans to loans | 0.7264% | 3,305 |
| Net loans and leases to total assets | 52.9842% | 4,662 |
| Net loans and leases to deposits | 62.9883% | 4,619 |
| Net loans and leases to core deposits | 66.0474% | 4,651 |
| Total domestic deposits to total assets | 84.1175% | 3,514 |
| Equity capital to assets | 12.8281% | 1,474 |
| Core capital (leverage) ratio | 12.6709% | 1,304 |
| Tier 1 risk-based capital ratio | 20.3602% | 1,473 |
| Total risk-based capital ratio | 21.6113% | 1,448 |
| Memoranda: | ||
| Average total assets | $253,000,670 | 2,526 |
| Average earning assets | $230,569,330 | 2,535 |
| Average equity | $33,179,330 | 2,162 |
| Average total loans | $138,790,330 | 2,765 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6849% | 4,420 |
| Cost of funding earning assets | 0.2689% | 4,803 |
| Net interest margin | 3.4160% | 3,778 |
| Noninterest income to average assets | 0.5126% | 3,206 |
| Noninterest expense to average assets | 2.6542% | 3,734 |
| Loan and lease loss provision to assets | 0.0479% | 2,972 |
| Net operating income to assets | 0.8033% | 3,244 |
| Return on assets (ROA) | 0.8033% | 3,369 |
| Pretax return on assets | 0.9342% | 3,764 |
| Return on Equity (ROE) | 6.0571% | 4,003 |
| Retained earnings to average equity (ytd only) | 2.5409% | 4,418 |
| Net charge-offs to loans | -0.0807% | 5,750 |
| Credit loss provision to net charge-offs | -107.1429% | 4,506 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9908% | 2,990 |
| Assets per employee ($millions) | 3.8678% | 4,217 |
| Cash dividends to net income (ytd only)* | 58.0517% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4700% | 2,577 |
| Loan loss allowance to noncurrent loans | 192.6316% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.4932% | 4,050 |
| Noncurrent loans to loans | 0.7631% | 3,349 |
| Net loans and leases to total assets | 52.8569% | 4,568 |
| Net loans and leases to deposits | 62.9182% | 4,488 |
| Net loans and leases to core deposits | 66.0997% | 4,508 |
| Total domestic deposits to total assets | 84.0089% | 3,814 |
| Equity capital to assets | 13.0848% | 1,353 |
| Core capital (leverage) ratio | 12.7596% | 1,253 |
| Tier 1 risk-based capital ratio | 20.5941% | 1,509 |
| Total risk-based capital ratio | 21.8443% | 1,471 |
| Memoranda: | ||
| Average total assets | $250,472,000 | 2,557 |
| Average earning assets | $229,043,000 | 2,566 |
| Average equity | $33,217,000 | 2,162 |
| Average total loans | $138,802,500 | 2,767 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9398% | 3,970 |
| Cost of funding earning assets | 0.2563% | 5,259 |
| Net interest margin | 3.6834% | 3,068 |
| Noninterest income to average assets | 0.5161% | 3,384 |
| Noninterest expense to average assets | 2.8267% | 3,391 |
| Loan and lease loss provision to assets | 0.0249% | 4,107 |
| Net operating income to assets | 0.8754% | 2,994 |
| Return on assets (ROA) | 0.8761% | 3,076 |
| Pretax return on assets | 1.0464% | 3,317 |
| Return on Equity (ROE) | 6.5435% | 3,875 |
| Retained earnings to average equity (ytd only) | 2.7164% | 4,312 |
| Net charge-offs to loans | 0.0848% | 3,283 |
| Credit loss provision to net charge-offs | 52.6316% | 3,426 |
| Earnings coverage of net charge-offs (x) | 22.6667% | 1,618 |
| Efficiency ratio | 72.5340% | 3,117 |
| Assets per employee ($millions) | 3.6667% | 4,591 |
| Cash dividends to net income (ytd only)* | 58.4870% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3899% | 2,998 |
| Loan loss allowance to noncurrent loans | 181.8605% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.5475% | 3,974 |
| Noncurrent loans to loans | 0.7642% | 3,405 |
| Net loans and leases to total assets | 56.4607% | 4,265 |
| Net loans and leases to deposits | 66.8210% | 4,232 |
| Net loans and leases to core deposits | 70.4168% | 4,290 |
| Total domestic deposits to total assets | 84.4955% | 3,509 |
| Equity capital to assets | 13.4457% | 1,185 |
| Core capital (leverage) ratio | 12.9587% | 1,159 |
| Tier 1 risk-based capital ratio | 20.6456% | 1,481 |
| Total risk-based capital ratio | 21.8960% | 1,453 |
| Memoranda: | ||
| Average total assets | $241,408,600 | 2,604 |
| Average earning assets | $221,587,400 | 2,610 |
| Average equity | $32,322,200 | 2,150 |
| Average total loans | $134,389,000 | 2,783 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9651% | 3,905 |
| Cost of funding earning assets | 0.2531% | 5,376 |
| Net interest margin | 3.7120% | 2,975 |
| Noninterest income to average assets | 0.5209% | 3,404 |
| Noninterest expense to average assets | 2.7210% | 3,746 |
| Loan and lease loss provision to assets | 0.0166% | 4,080 |
| Net operating income to assets | 0.9583% | 2,651 |
| Return on assets (ROA) | 0.9592% | 2,722 |
| Pretax return on assets | 1.1927% | 2,803 |
| Return on Equity (ROE) | 7.1716% | 3,621 |
| Retained earnings to average equity (ytd only) | 3.2560% | 4,309 |
| Net charge-offs to loans | 0.1134% | 2,668 |
| Credit loss provision to net charge-offs | 26.5487% | 3,501 |
| Earnings coverage of net charge-offs (x) | 19.2747% | 1,792 |
| Efficiency ratio | 69.2503% | 3,635 |
| Assets per employee ($millions) | 3.5355% | 4,796 |
| Cash dividends to net income (ytd only)* | 54.5981% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4293% | 3,034 |
| Loan loss allowance to noncurrent loans | 132.3711% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 0.7452% | 3,574 |
| Noncurrent loans to loans | 1.0798% | 2,915 |
| Net loans and leases to total assets | 54.4464% | 4,522 |
| Net loans and leases to deposits | 63.1735% | 4,617 |
| Net loans and leases to core deposits | 66.5396% | 4,658 |
| Total domestic deposits to total assets | 86.1856% | 2,767 |
| Equity capital to assets | 13.4807% | 1,189 |
| Core capital (leverage) ratio | 13.2540% | 1,081 |
| Tier 1 risk-based capital ratio | 21.2838% | 1,393 |
| Total risk-based capital ratio | 22.5344% | 1,367 |
| Memoranda: | ||
| Average total assets | $240,343,250 | 2,625 |
| Average earning assets | $220,686,500 | 2,628 |
| Average equity | $32,144,750 | 2,165 |
| Average total loans | $132,820,750 | 2,820 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9937% | 3,749 |
| Cost of funding earning assets | 0.2549% | 5,442 |
| Net interest margin | 3.7387% | 2,801 |
| Noninterest income to average assets | 0.5143% | 3,373 |
| Noninterest expense to average assets | 2.6988% | 3,869 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0106% | 2,288 |
| Return on assets (ROA) | 1.0120% | 2,350 |
| Pretax return on assets | 1.2637% | 2,399 |
| Return on Equity (ROE) | 7.5868% | 3,326 |
| Retained earnings to average equity (ytd only) | 3.5050% | 3,972 |
| Net charge-offs to loans | 0.1226% | 2,447 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 18.6296% | 1,670 |
| Efficiency ratio | 68.1377% | 3,982 |
| Assets per employee ($millions) | 3.6388% | 4,579 |
| Cash dividends to net income (ytd only)* | 53.8017% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4121% | 3,290 |
| Loan loss allowance to noncurrent loans | 288.1913% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.4547% | 4,637 |
| Noncurrent loans to loans | 0.4900% | 4,526 |
| Net loans and leases to total assets | 56.0510% | 4,278 |
| Net loans and leases to deposits | 65.0392% | 4,372 |
| Net loans and leases to core deposits | 68.8139% | 4,389 |
| Total domestic deposits to total assets | 86.1803% | 2,948 |
| Equity capital to assets | 13.5373% | 1,145 |
| Core capital (leverage) ratio | 13.2451% | 1,067 |
| Tier 1 risk-based capital ratio | 21.0534% | 1,436 |
| Total risk-based capital ratio | 22.3041% | 1,409 |
| Memoranda: | ||
| Average total assets | $239,141,670 | 2,645 |
| Average earning assets | $220,449,330 | 2,638 |
| Average equity | $31,897,670 | 2,164 |
| Average total loans | $132,178,670 | 2,832 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0734% | 3,383 |
| Cost of funding earning assets | 0.2564% | 5,525 |
| Net interest margin | 3.8170% | 2,397 |
| Noninterest income to average assets | 0.5280% | 3,207 |
| Noninterest expense to average assets | 2.6652% | 4,058 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1113% | 1,773 |
| Return on assets (ROA) | 1.1113% | 1,826 |
| Pretax return on assets | 1.3812% | 1,816 |
| Return on Equity (ROE) | 8.3948% | 2,736 |
| Retained earnings to average equity (ytd only) | 3.8619% | 3,805 |
| Net charge-offs to loans | 0.1354% | 1,898 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 18.7273% | 1,408 |
| Efficiency ratio | 65.8658% | 4,550 |
| Assets per employee ($millions) | 3.8883% | 4,157 |
| Cash dividends to net income (ytd only)* | 53.9970% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4860% | 3,199 |
| Loan loss allowance to noncurrent loans | 346.5608% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.5164% | 4,608 |
| Noncurrent loans to loans | 0.4288% | 4,855 |
| Net loans and leases to total assets | 54.0381% | 4,414 |
| Net loans and leases to deposits | 62.4325% | 4,501 |
| Net loans and leases to core deposits | 66.1341% | 4,476 |
| Total domestic deposits to total assets | 86.5544% | 3,077 |
| Equity capital to assets | 13.2473% | 1,192 |
| Core capital (leverage) ratio | 13.3245% | 1,028 |
| Tier 1 risk-based capital ratio | 21.4242% | 1,387 |
| Total risk-based capital ratio | 22.6757% | 1,367 |
| Memoranda: | ||
| Average total assets | $238,633,500 | 2,656 |
| Average earning assets | $219,961,000 | 2,653 |
| Average equity | $31,591,000 | 2,176 |
| Average total loans | $129,998,500 | 2,879 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9544% | 4,265 |
| Cost of funding earning assets | 0.3002% | 5,594 |
| Net interest margin | 3.6542% | 3,231 |
| Noninterest income to average assets | 0.4753% | 3,925 |
| Noninterest expense to average assets | 2.6568% | 4,256 |
| Loan and lease loss provision to assets | -0.0311% | 6,329 |
| Net operating income to assets | 0.9679% | 2,479 |
| Return on assets (ROA) | 0.9679% | 2,547 |
| Pretax return on assets | 1.1838% | 2,644 |
| Return on Equity (ROE) | 7.3945% | 3,358 |
| Retained earnings to average equity (ytd only) | 2.2095% | 4,676 |
| Net charge-offs to loans | 0.0176% | 5,094 |
| Credit loss provision to net charge-offs | -340.9091% | 6,078 |
| Earnings coverage of net charge-offs (x) | 126.4545% | 371 |
| Efficiency ratio | 69.7411% | 3,880 |
| Assets per employee ($millions) | 3.8095% | 4,243 |
| Cash dividends to net income (ytd only)* | 70.1199% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5725% | 2,871 |
| Loan loss allowance to noncurrent loans | 198.1262% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.5915% | 4,464 |
| Noncurrent loans to loans | 0.7937% | 3,995 |
| Net loans and leases to total assets | 53.2408% | 4,689 |
| Net loans and leases to deposits | 61.6328% | 4,761 |
| Net loans and leases to core deposits | 64.8373% | 4,792 |
| Total domestic deposits to total assets | 86.3839% | 3,053 |
| Equity capital to assets | 13.2291% | 1,166 |
| Core capital (leverage) ratio | 13.1175% | 1,100 |
| Tier 1 risk-based capital ratio | 22.0772% | 1,245 |
| Total risk-based capital ratio | 23.3296% | 1,216 |
| Memoranda: | ||
| Average total assets | $241,345,800 | 2,605 |
| Average earning assets | $220,209,800 | 2,615 |
| Average equity | $31,591,200 | 2,149 |
| Average total loans | $125,055,400 | 2,937 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9614% | 4,279 |
| Cost of funding earning assets | 0.3076% | 5,667 |
| Net interest margin | 3.6538% | 3,216 |
| Noninterest income to average assets | 0.4572% | 4,107 |
| Noninterest expense to average assets | 2.5591% | 4,517 |
| Loan and lease loss provision to assets | -0.0412% | 6,537 |
| Net operating income to assets | 1.0160% | 2,311 |
| Return on assets (ROA) | 1.0160% | 2,402 |
| Pretax return on assets | 1.2622% | 2,471 |
| Return on Equity (ROE) | 7.7824% | 3,241 |
| Retained earnings to average equity (ytd only) | 2.1213% | 5,046 |
| Net charge-offs to loans | 0.0289% | 4,549 |
| Credit loss provision to net charge-offs | -277.7778% | 5,956 |
| Earnings coverage of net charge-offs (x) | 82.2942% | 576 |
| Efficiency ratio | 67.6988% | 4,147 |
| Assets per employee ($millions) | 4.1475% | 3,536 |
| Cash dividends to net income (ytd only)* | 72.7421% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6054% | 2,981 |
| Loan loss allowance to noncurrent loans | 321.6693% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.4171% | 5,173 |
| Noncurrent loans to loans | 0.4991% | 4,947 |
| Net loans and leases to total assets | 51.9528% | 4,879 |
| Net loans and leases to deposits | 60.1188% | 4,958 |
| Net loans and leases to core deposits | 63.4973% | 4,947 |
| Total domestic deposits to total assets | 86.4168% | 3,017 |
| Equity capital to assets | 13.2157% | 1,235 |
| Core capital (leverage) ratio | 13.2580% | 1,110 |
| Tier 1 risk-based capital ratio | 22.3169% | 1,258 |
| Total risk-based capital ratio | 23.5691% | 1,232 |
| Memoranda: | ||
| Average total assets | $242,634,500 | 2,617 |
| Average earning assets | $220,659,750 | 2,625 |
| Average equity | $31,677,500 | 2,168 |
| Average total loans | $124,379,500 | 2,969 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9332% | 4,341 |
| Cost of funding earning assets | 0.3171% | 5,694 |
| Net interest margin | 3.6161% | 3,298 |
| Noninterest income to average assets | 0.4601% | 4,092 |
| Noninterest expense to average assets | 2.6031% | 4,370 |
| Loan and lease loss provision to assets | -0.0613% | 6,659 |
| Net operating income to assets | 0.9930% | 2,357 |
| Return on assets (ROA) | 0.9930% | 2,498 |
| Pretax return on assets | 1.2080% | 2,638 |
| Return on Equity (ROE) | 7.6361% | 3,272 |
| Retained earnings to average equity (ytd only) | 0.9553% | 5,521 |
| Net charge-offs to loans | 0.0531% | 3,931 |
| Credit loss provision to net charge-offs | -227.2727% | 5,758 |
| Earnings coverage of net charge-offs (x) | 42.5152% | 889 |
| Efficiency ratio | 69.4202% | 3,937 |
| Assets per employee ($millions) | 4.1429% | 3,485 |
| Cash dividends to net income (ytd only)* | 87.4897% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5597% | 3,315 |
| Loan loss allowance to noncurrent loans | 274.4505% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.5981% | 4,755 |
| Noncurrent loans to loans | 0.5683% | 4,839 |
| Net loans and leases to total assets | 51.5915% | 4,916 |
| Net loans and leases to deposits | 59.3184% | 5,039 |
| Net loans and leases to core deposits | 62.6649% | 5,041 |
| Total domestic deposits to total assets | 86.9738% | 2,836 |
| Equity capital to assets | 12.7750% | 1,426 |
| Core capital (leverage) ratio | 12.5471% | 1,342 |
| Tier 1 risk-based capital ratio | 21.5856% | 1,372 |
| Total risk-based capital ratio | 22.8378% | 1,339 |
| Memoranda: | ||
| Average total assets | $244,709,670 | 2,603 |
| Average earning assets | $222,615,670 | 2,613 |
| Average equity | $31,822,330 | 2,163 |
| Average total loans | $124,231,000 | 2,985 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8841% | 4,535 |
| Cost of funding earning assets | 0.3484% | 5,550 |
| Net interest margin | 3.5358% | 3,543 |
| Noninterest income to average assets | 0.4950% | 3,803 |
| Noninterest expense to average assets | 2.7347% | 3,933 |
| Loan and lease loss provision to assets | -0.1225% | 6,853 |
| Net operating income to assets | 0.9116% | 2,598 |
| Return on assets (ROA) | 0.9116% | 2,747 |
| Pretax return on assets | 1.0995% | 2,949 |
| Return on Equity (ROE) | 6.9488% | 3,517 |
| Retained earnings to average equity (ytd only) | -2.7895% | 6,168 |
| Net charge-offs to loans | 0.0556% | 3,273 |
| Credit loss provision to net charge-offs | -441.1765% | 5,445 |
| Earnings coverage of net charge-offs (x) | 35.1765% | 873 |
| Efficiency ratio | 73.6796% | 3,321 |
| Assets per employee ($millions) | 3.7904% | 4,373 |
| Cash dividends to net income (ytd only)* | 140.1434% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6511% | 3,193 |
| Loan loss allowance to noncurrent loans | 294.8755% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.6287% | 4,812 |
| Noncurrent loans to loans | 0.5599% | 5,041 |
| Net loans and leases to total assets | 48.6914% | 5,155 |
| Net loans and leases to deposits | 56.0414% | 5,236 |
| Net loans and leases to core deposits | 59.2523% | 5,222 |
| Total domestic deposits to total assets | 86.8847% | 3,028 |
| Equity capital to assets | 12.9505% | 1,455 |
| Core capital (leverage) ratio | 12.5051% | 1,333 |
| Tier 1 risk-based capital ratio | 22.3407% | 1,271 |
| Total risk-based capital ratio | 23.5942% | 1,247 |
| Memoranda: | ||
| Average total assets | $244,849,500 | 2,634 |
| Average earning assets | $222,752,500 | 2,640 |
| Average equity | $32,120,500 | 2,172 |
| Average total loans | $122,295,000 | 3,039 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1971% | 4,603 |
| Cost of funding earning assets | 0.4545% | 5,548 |
| Net interest margin | 3.7425% | 3,472 |
| Noninterest income to average assets | 0.3891% | 4,690 |
| Noninterest expense to average assets | 2.6630% | 4,527 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9281% | 2,662 |
| Return on assets (ROA) | 0.9778% | 2,660 |
| Pretax return on assets | 1.1790% | 2,872 |
| Return on Equity (ROE) | 7.3687% | 3,425 |
| Retained earnings to average equity (ytd only) | 2.2292% | 4,669 |
| Net charge-offs to loans | 0.0516% | 5,200 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 43.1452% | 750 |
| Efficiency ratio | 70.4093% | 3,729 |
| Assets per employee ($millions) | 3.9889% | 3,973 |
| Cash dividends to net income (ytd only)* | 69.7475% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7176% | 2,871 |
| Loan loss allowance to noncurrent loans | 401.9084% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.6456% | 4,853 |
| Noncurrent loans to loans | 0.4274% | 5,425 |
| Net loans and leases to total assets | 49.5251% | 5,233 |
| Net loans and leases to deposits | 57.3229% | 5,311 |
| Net loans and leases to core deposits | 60.6689% | 5,300 |
| Total domestic deposits to total assets | 86.3967% | 3,157 |
| Equity capital to assets | 13.2885% | 1,317 |
| Core capital (leverage) ratio | 12.6590% | 1,252 |
| Tier 1 risk-based capital ratio | 22.4633% | 1,185 |
| Total risk-based capital ratio | 23.7172% | 1,163 |
| Memoranda: | ||
| Average total assets | $239,016,000 | 2,645 |
| Average earning assets | $216,698,800 | 2,651 |
| Average equity | $31,715,200 | 2,156 |
| Average total loans | $120,069,000 | 3,074 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2593% | 4,613 |
| Cost of funding earning assets | 0.4750% | 5,591 |
| Net interest margin | 3.7842% | 3,407 |
| Noninterest income to average assets | 0.3732% | 4,842 |
| Noninterest expense to average assets | 2.6488% | 4,565 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9438% | 2,774 |
| Return on assets (ROA) | 1.0103% | 2,680 |
| Pretax return on assets | 1.2238% | 2,898 |
| Return on Equity (ROE) | 7.6169% | 3,464 |
| Retained earnings to average equity (ytd only) | 1.9180% | 5,371 |
| Net charge-offs to loans | 0.0212% | 5,370 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 107.4327% | 396 |
| Efficiency ratio | 69.8434% | 3,718 |
| Assets per employee ($millions) | 3.7417% | 4,444 |
| Cash dividends to net income (ytd only)* | 74.8197% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7588% | 2,933 |
| Loan loss allowance to noncurrent loans | 158.5978% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 1.3698% | 3,555 |
| Noncurrent loans to loans | 1.1090% | 4,202 |
| Net loans and leases to total assets | 50.9214% | 5,197 |
| Net loans and leases to deposits | 59.1469% | 5,301 |
| Net loans and leases to core deposits | 63.0166% | 5,261 |
| Total domestic deposits to total assets | 86.0931% | 3,198 |
| Equity capital to assets | 13.5968% | 1,310 |
| Core capital (leverage) ratio | 12.8384% | 1,258 |
| Tier 1 risk-based capital ratio | 22.0542% | 1,323 |
| Total risk-based capital ratio | 23.3002% | 1,301 |
| Memoranda: | ||
| Average total assets | $237,939,250 | 2,677 |
| Average earning assets | $214,991,500 | 2,698 |
| Average equity | $31,560,500 | 2,182 |
| Average total loans | $119,433,250 | 3,125 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2499% | 4,763 |
| Cost of funding earning assets | 0.4913% | 5,677 |
| Net interest margin | 3.7585% | 3,547 |
| Noninterest income to average assets | 0.3260% | 5,221 |
| Noninterest expense to average assets | 2.6530% | 4,597 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8759% | 3,012 |
| Return on assets (ROA) | 0.9754% | 2,804 |
| Pretax return on assets | 1.1773% | 3,024 |
| Return on Equity (ROE) | 7.4147% | 3,558 |
| Retained earnings to average equity (ytd only) | 0.6115% | 5,820 |
| Net charge-offs to loans | 0.0101% | 5,321 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 210.3333% | 215 |
| Efficiency ratio | 71.4995% | 3,520 |
| Assets per employee ($millions) | 3.8808% | 4,119 |
| Cash dividends to net income (ytd only)* | 91.7526% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8091% | 2,823 |
| Loan loss allowance to noncurrent loans | 173.0985% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 1.4384% | 3,555 |
| Noncurrent loans to loans | 1.0451% | 4,430 |
| Net loans and leases to total assets | 49.5704% | 5,412 |
| Net loans and leases to deposits | 57.4611% | 5,510 |
| Net loans and leases to core deposits | 61.2821% | 5,464 |
| Total domestic deposits to total assets | 86.2677% | 3,214 |
| Equity capital to assets | 13.3750% | 1,352 |
| Core capital (leverage) ratio | 12.6335% | 1,301 |
| Tier 1 risk-based capital ratio | 21.9531% | 1,301 |
| Total risk-based capital ratio | 23.2075% | 1,280 |
| Memoranda: | ||
| Average total assets | $238,677,670 | 2,675 |
| Average earning assets | $214,924,670 | 2,703 |
| Average equity | $31,397,000 | 2,179 |
| Average total loans | $118,516,670 | 3,171 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2567% | 4,902 |
| Cost of funding earning assets | 0.5052% | 5,783 |
| Net interest margin | 3.7514% | 3,592 |
| Noninterest income to average assets | 0.3505% | 5,055 |
| Noninterest expense to average assets | 2.6455% | 4,642 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9297% | 2,790 |
| Return on assets (ROA) | 0.9297% | 2,995 |
| Pretax return on assets | 1.0882% | 3,372 |
| Return on Equity (ROE) | 7.1263% | 3,706 |
| Retained earnings to average equity (ytd only) | -2.9043% | 6,382 |
| Net charge-offs to loans | -0.0373% | 6,428 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8538% | 3,649 |
| Assets per employee ($millions) | 3.7504% | 4,533 |
| Cash dividends to net income (ytd only)* | 140.7540% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8626% | 2,800 |
| Loan loss allowance to noncurrent loans | 171.7100% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 1.5933% | 3,460 |
| Noncurrent loans to loans | 1.0847% | 4,522 |
| Net loans and leases to total assets | 47.0971% | 5,672 |
| Net loans and leases to deposits | 54.0786% | 5,800 |
| Net loans and leases to core deposits | 57.2375% | 5,792 |
| Total domestic deposits to total assets | 87.0901% | 2,907 |
| Equity capital to assets | 12.7482% | 1,572 |
| Core capital (leverage) ratio | 12.5357% | 1,327 |
| Tier 1 risk-based capital ratio | 22.3718% | 1,229 |
| Total risk-based capital ratio | 23.6269% | 1,204 |
| Memoranda: | ||
| Average total assets | $239,653,500 | 2,674 |
| Average earning assets | $216,131,500 | 2,690 |
| Average equity | $31,264,500 | 2,185 |
| Average total loans | $118,021,000 | 3,197 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8570% | 3,558 |
| Cost of funding earning assets | 0.6635% | 5,749 |
| Net interest margin | 4.1935% | 2,085 |
| Noninterest income to average assets | 0.3333% | 5,153 |
| Noninterest expense to average assets | 2.6397% | 4,962 |
| Loan and lease loss provision to assets | 0.1230% | 5,069 |
| Net operating income to assets | 1.0513% | 1,998 |
| Return on assets (ROA) | 1.0499% | 2,146 |
| Pretax return on assets | 1.2692% | 2,241 |
| Return on Equity (ROE) | 8.2608% | 2,781 |
| Retained earnings to average equity (ytd only) | 1.3741% | 5,204 |
| Net charge-offs to loans | 0.1479% | 4,960 |
| Credit loss provision to net charge-offs | 164.8352% | 1,651 |
| Earnings coverage of net charge-offs (x) | 18.6813% | 1,203 |
| Efficiency ratio | 65.4436% | 4,876 |
| Assets per employee ($millions) | 3.6236% | 4,719 |
| Cash dividends to net income (ytd only)* | 83.3659% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8211% | 2,802 |
| Loan loss allowance to noncurrent loans | 145.3083% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 1.7590% | 3,313 |
| Noncurrent loans to loans | 1.2532% | 4,274 |
| Net loans and leases to total assets | 49.6255% | 5,640 |
| Net loans and leases to deposits | 57.6402% | 5,736 |
| Net loans and leases to core deposits | 61.3568% | 5,719 |
| Total domestic deposits to total assets | 86.0953% | 3,265 |
| Equity capital to assets | 13.3536% | 1,340 |
| Core capital (leverage) ratio | 12.4624% | 1,364 |
| Tier 1 risk-based capital ratio | 22.3224% | 1,193 |
| Total risk-based capital ratio | 23.5772% | 1,166 |
| Memoranda: | ||
| Average total assets | $243,927,400 | 2,591 |
| Average earning assets | $215,236,200 | 2,666 |
| Average equity | $31,002,000 | 2,130 |
| Average total loans | $123,042,200 | 3,119 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9318% | 3,418 |
| Cost of funding earning assets | 0.6934% | 5,809 |
| Net interest margin | 4.2384% | 1,955 |
| Noninterest income to average assets | 0.3322% | 5,205 |
| Noninterest expense to average assets | 2.5644% | 5,218 |
| Loan and lease loss provision to assets | 0.1626% | 4,433 |
| Net operating income to assets | 1.0449% | 2,158 |
| Return on assets (ROA) | 1.0432% | 2,316 |
| Pretax return on assets | 1.3196% | 2,221 |
| Return on Equity (ROE) | 8.3090% | 2,912 |
| Retained earnings to average equity (ytd only) | 4.6314% | 3,423 |
| Net charge-offs to loans | 0.1881% | 4,295 |
| Credit loss provision to net charge-offs | 171.4286% | 1,756 |
| Earnings coverage of net charge-offs (x) | 15.6513% | 1,450 |
| Efficiency ratio | 63.3382% | 5,173 |
| Assets per employee ($millions) | 3.7718% | 4,360 |
| Cash dividends to net income (ytd only)* | 44.2597% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7881% | 2,985 |
| Loan loss allowance to noncurrent loans | 132.7839% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 1.6815% | 3,566 |
| Noncurrent loans to loans | 1.3466% | 4,283 |
| Net loans and leases to total assets | 49.4894% | 5,772 |
| Net loans and leases to deposits | 57.3505% | 5,909 |
| Net loans and leases to core deposits | 61.7200% | 5,838 |
| Total domestic deposits to total assets | 86.2929% | 3,041 |
| Equity capital to assets | 13.3189% | 1,454 |
| Core capital (leverage) ratio | 12.6258% | 1,378 |
| Tier 1 risk-based capital ratio | 22.2833% | 1,240 |
| Total risk-based capital ratio | 23.5378% | 1,218 |
| Memoranda: | ||
| Average total assets | $246,026,250 | 2,576 |
| Average earning assets | $215,736,000 | 2,673 |
| Average equity | $30,889,500 | 2,142 |
| Average total loans | $124,039,750 | 3,124 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9351% | 3,467 |
| Cost of funding earning assets | 0.7050% | 5,930 |
| Net interest margin | 4.2301% | 1,919 |
| Noninterest income to average assets | 0.2916% | 5,545 |
| Noninterest expense to average assets | 2.5754% | 5,278 |
| Loan and lease loss provision to assets | 0.1818% | 4,103 |
| Net operating income to assets | 0.9808% | 2,309 |
| Return on assets (ROA) | 0.9783% | 2,418 |
| Pretax return on assets | 1.2489% | 2,314 |
| Return on Equity (ROE) | 7.9491% | 2,965 |
| Retained earnings to average equity (ytd only) | 4.2207% | 3,513 |
| Net charge-offs to loans | 0.1362% | 4,382 |
| Credit loss provision to net charge-offs | 264.7059% | 1,149 |
| Earnings coverage of net charge-offs (x) | 20.8824% | 1,175 |
| Efficiency ratio | 64.2353% | 5,193 |
| Assets per employee ($millions) | 3.6333% | 4,605 |
| Cash dividends to net income (ytd only)* | 46.9034% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8032% | 2,981 |
| Loan loss allowance to noncurrent loans | 1,752.0000% | 237 |
| Noncurrent assets plus other real estate owned to assets | 1.2377% | 4,425 |
| Noncurrent loans to loans | 0.1029% | 6,715 |
| Net loans and leases to total assets | 49.7331% | 5,857 |
| Net loans and leases to deposits | 57.4075% | 6,010 |
| Net loans and leases to core deposits | 63.6838% | 5,758 |
| Total domestic deposits to total assets | 86.6318% | 2,968 |
| Equity capital to assets | 13.0430% | 1,500 |
| Core capital (leverage) ratio | 12.4269% | 1,398 |
| Tier 1 risk-based capital ratio | 21.9568% | 1,264 |
| Total risk-based capital ratio | 23.2167% | 1,233 |
| Memoranda: | ||
| Average total assets | $247,570,670 | 2,576 |
| Average earning assets | $217,582,670 | 2,671 |
| Average equity | $30,469,000 | 2,155 |
| Average total loans | $124,840,000 | 3,128 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8521% | 3,809 |
| Cost of funding earning assets | 0.7043% | 6,105 |
| Net interest margin | 4.1479% | 2,089 |
| Noninterest income to average assets | 0.3627% | 5,015 |
| Noninterest expense to average assets | 2.4879% | 5,598 |
| Loan and lease loss provision to assets | 0.1591% | 4,039 |
| Net operating income to assets | 1.0897% | 1,875 |
| Return on assets (ROA) | 1.0897% | 1,921 |
| Pretax return on assets | 1.3601% | 1,848 |
| Return on Equity (ROE) | 9.1136% | 2,433 |
| Retained earnings to average equity (ytd only) | 5.3351% | 2,979 |
| Net charge-offs to loans | 0.0095% | 4,969 |
| Credit loss provision to net charge-offs | 3,333.3333% | 108 |
| Earnings coverage of net charge-offs (x) | 318.3333% | 90 |
| Efficiency ratio | 62.0881% | 5,665 |
| Assets per employee ($millions) | 3.8934% | 4,087 |
| Cash dividends to net income (ytd only)* | 41.4599% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7036% | 3,330 |
| Loan loss allowance to noncurrent loans | 370.1724% | 843 |
| Noncurrent assets plus other real estate owned to assets | 1.6057% | 3,836 |
| Noncurrent loans to loans | 0.4602% | 6,092 |
| Net loans and leases to total assets | 49.7159% | 5,889 |
| Net loans and leases to deposits | 56.7524% | 6,057 |
| Net loans and leases to core deposits | 63.2432% | 5,809 |
| Total domestic deposits to total assets | 87.6013% | 2,612 |
| Equity capital to assets | 12.1587% | 1,821 |
| Core capital (leverage) ratio | 12.1166% | 1,499 |
| Tier 1 risk-based capital ratio | 20.8337% | 1,425 |
| Total risk-based capital ratio | 22.0869% | 1,402 |
| Memoranda: | ||
| Average total assets | $251,456,000 | 2,559 |
| Average earning assets | $220,933,000 | 2,650 |
| Average equity | $30,065,000 | 2,170 |
| Average total loans | $126,535,000 | 3,127 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0953% | 4,116 |
| Cost of funding earning assets | 1.1667% | 4,756 |
| Net interest margin | 3.9286% | 3,354 |
| Noninterest income to average assets | 0.3485% | 5,310 |
| Noninterest expense to average assets | 2.5676% | 5,549 |
| Loan and lease loss provision to assets | 0.3771% | 3,859 |
| Net operating income to assets | 0.8410% | 2,630 |
| Return on assets (ROA) | 0.7356% | 3,195 |
| Pretax return on assets | 0.7685% | 3,731 |
| Return on Equity (ROE) | 6.4477% | 3,378 |
| Retained earnings to average equity (ytd only) | 2.6001% | 4,044 |
| Net charge-offs to loans | 0.7198% | 2,855 |
| Credit loss provision to net charge-offs | 101.1411% | 4,488 |
| Earnings coverage of net charge-offs (x) | 3.3672% | 3,399 |
| Efficiency ratio | 67.1624% | 4,729 |
| Assets per employee ($millions) | 4.0275% | 3,726 |
| Cash dividends to net income (ytd only)* | 59.6740% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6137% | 3,525 |
| Loan loss allowance to noncurrent loans | 400.3906% | 776 |
| Noncurrent assets plus other real estate owned to assets | 1.5489% | 3,995 |
| Noncurrent loans to loans | 0.4030% | 6,240 |
| Net loans and leases to total assets | 49.2610% | 6,247 |
| Net loans and leases to deposits | 56.0400% | 6,446 |
| Net loans and leases to core deposits | 61.4179% | 6,281 |
| Total domestic deposits to total assets | 87.9034% | 2,308 |
| Equity capital to assets | 11.7577% | 2,074 |
| Core capital (leverage) ratio | 11.3369% | 1,930 |
| Tier 1 risk-based capital ratio | 20.6607% | 1,369 |
| Total risk-based capital ratio | 21.9136% | 1,353 |
| Memoranda: | ||
| Average total assets | $258,565,800 | 2,466 |
| Average earning assets | $228,683,400 | 2,539 |
| Average equity | $29,498,800 | 2,212 |
| Average total loans | $133,919,600 | 3,055 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1609% | 4,030 |
| Cost of funding earning assets | 1.3000% | 4,219 |
| Net interest margin | 3.8609% | 3,704 |
| Noninterest income to average assets | 0.3567% | 5,313 |
| Noninterest expense to average assets | 2.5103% | 5,681 |
| Loan and lease loss provision to assets | 0.3978% | 3,520 |
| Net operating income to assets | 0.7885% | 3,050 |
| Return on assets (ROA) | 0.6544% | 3,797 |
| Pretax return on assets | 0.7083% | 4,204 |
| Return on Equity (ROE) | 5.7792% | 3,910 |
| Retained earnings to average equity (ytd only) | 1.9173% | 4,996 |
| Net charge-offs to loans | 0.7844% | 2,474 |
| Credit loss provision to net charge-offs | 97.1178% | 4,465 |
| Earnings coverage of net charge-offs (x) | 3.0564% | 3,604 |
| Efficiency ratio | 66.7258% | 4,707 |
| Assets per employee ($millions) | 4.1807% | 3,483 |
| Cash dividends to net income (ytd only)* | 66.8233% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5300% | 3,827 |
| Loan loss allowance to noncurrent loans | 134.2210% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 1.5567% | 4,111 |
| Noncurrent loans to loans | 1.1399% | 4,957 |
| Net loans and leases to total assets | 50.0557% | 6,320 |
| Net loans and leases to deposits | 56.9535% | 6,546 |
| Net loans and leases to core deposits | 62.3733% | 6,423 |
| Total domestic deposits to total assets | 87.8887% | 2,024 |
| Equity capital to assets | 11.7868% | 2,297 |
| Core capital (leverage) ratio | 11.0495% | 2,226 |
| Tier 1 risk-based capital ratio | 19.9693% | 1,558 |
| Total risk-based capital ratio | 21.2210% | 1,526 |
| Memoranda: | ||
| Average total assets | $259,774,250 | 2,494 |
| Average earning assets | $229,128,750 | 2,572 |
| Average equity | $29,415,250 | 2,243 |
| Average total loans | $135,639,250 | 3,062 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2074% | 3,915 |
| Cost of funding earning assets | 1.3200% | 4,413 |
| Net interest margin | 3.8874% | 3,505 |
| Noninterest income to average assets | 0.3677% | 5,198 |
| Noninterest expense to average assets | 2.5111% | 5,681 |
| Loan and lease loss provision to assets | 0.4424% | 3,108 |
| Net operating income to assets | 0.7834% | 3,054 |
| Return on assets (ROA) | 0.7024% | 3,552 |
| Pretax return on assets | 0.7447% | 4,083 |
| Return on Equity (ROE) | 6.2887% | 3,655 |
| Retained earnings to average equity (ytd only) | 2.3763% | 4,649 |
| Net charge-offs to loans | 0.5974% | 2,734 |
| Credit loss provision to net charge-offs | 140.5868% | 2,846 |
| Earnings coverage of net charge-offs (x) | 4.0465% | 3,080 |
| Efficiency ratio | 66.3550% | 4,920 |
| Assets per employee ($millions) | 4.1547% | 3,474 |
| Cash dividends to net income (ytd only)* | 62.2125% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6287% | 3,324 |
| Loan loss allowance to noncurrent loans | 135.6089% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 2.0184% | 3,481 |
| Noncurrent loans to loans | 1.2011% | 4,958 |
| Net loans and leases to total assets | 50.8804% | 6,325 |
| Net loans and leases to deposits | 59.0136% | 6,497 |
| Net loans and leases to core deposits | 64.7010% | 6,344 |
| Total domestic deposits to total assets | 86.2182% | 2,959 |
| Equity capital to assets | 11.2840% | 2,605 |
| Core capital (leverage) ratio | 11.0272% | 2,220 |
| Tier 1 risk-based capital ratio | 19.1356% | 1,689 |
| Total risk-based capital ratio | 20.3883% | 1,654 |
| Memoranda: | ||
| Average total assets | $259,964,000 | 2,505 |
| Average earning assets | $228,482,330 | 2,596 |
| Average equity | $29,036,330 | 2,259 |
| Average total loans | $136,931,330 | 3,068 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2530% | 3,771 |
| Cost of funding earning assets | 1.3548% | 4,458 |
| Net interest margin | 3.8982% | 3,334 |
| Noninterest income to average assets | 0.3922% | 4,980 |
| Noninterest expense to average assets | 2.4873% | 5,778 |
| Loan and lease loss provision to assets | 0.4632% | 2,650 |
| Net operating income to assets | 0.8216% | 2,875 |
| Return on assets (ROA) | 0.6608% | 3,722 |
| Pretax return on assets | 0.7071% | 4,207 |
| Return on Equity (ROE) | 5.9471% | 3,899 |
| Retained earnings to average equity (ytd only) | 2.0009% | 4,933 |
| Net charge-offs to loans | 0.4764% | 2,626 |
| Credit loss provision to net charge-offs | 182.9268% | 2,001 |
| Earnings coverage of net charge-offs (x) | 5.3049% | 2,429 |
| Efficiency ratio | 64.9335% | 5,318 |
| Assets per employee ($millions) | 4.0102% | 3,845 |
| Cash dividends to net income (ytd only)* | 66.3551% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5927% | 3,486 |
| Loan loss allowance to noncurrent loans | 107.9940% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 1.6328% | 4,040 |
| Noncurrent loans to loans | 1.4748% | 4,527 |
| Net loans and leases to total assets | 51.5566% | 6,313 |
| Net loans and leases to deposits | 59.7341% | 6,494 |
| Net loans and leases to core deposits | 65.1796% | 6,353 |
| Total domestic deposits to total assets | 86.3102% | 2,979 |
| Equity capital to assets | 11.2031% | 2,587 |
| Core capital (leverage) ratio | 11.0544% | 2,198 |
| Tier 1 risk-based capital ratio | 19.4653% | 1,623 |
| Total risk-based capital ratio | 20.7185% | 1,601 |
| Memoranda: | ||
| Average total assets | $259,074,500 | 2,569 |
| Average earning assets | $228,518,000 | 2,653 |
| Average equity | $28,787,000 | 2,304 |
| Average total loans | $137,706,500 | 3,113 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5795% | 3,705 |
| Cost of funding earning assets | 1.5194% | 5,442 |
| Net interest margin | 4.0602% | 2,604 |
| Noninterest income to average assets | 0.4829% | 4,544 |
| Noninterest expense to average assets | 2.4987% | 6,133 |
| Loan and lease loss provision to assets | 0.7107% | 2,987 |
| Net operating income to assets | 0.9205% | 2,103 |
| Return on assets (ROA) | 0.8510% | 2,425 |
| Pretax return on assets | 0.9527% | 2,749 |
| Return on Equity (ROE) | 8.3810% | 2,243 |
| Retained earnings to average equity (ytd only) | 4.4686% | 2,124 |
| Net charge-offs to loans | 1.0898% | 2,239 |
| Credit loss provision to net charge-offs | 117.1393% | 4,630 |
| Earnings coverage of net charge-offs (x) | 2.8705% | 3,651 |
| Efficiency ratio | 58.9273% | 6,627 |
| Assets per employee ($millions) | 4.0233% | 3,773 |
| Cash dividends to net income (ytd only)* | 46.6813% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4685% | 3,898 |
| Loan loss allowance to noncurrent loans | 105.3747% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 2.1531% | 3,195 |
| Noncurrent loans to loans | 1.3936% | 4,592 |
| Net loans and leases to total assets | 53.1330% | 6,297 |
| Net loans and leases to deposits | 62.7585% | 6,387 |
| Net loans and leases to core deposits | 77.3131% | 6,315 |
| Total domestic deposits to total assets | 84.6626% | 3,724 |
| Equity capital to assets | 11.0188% | 2,698 |
| Core capital (leverage) ratio | 10.6561% | 2,469 |
| Tier 1 risk-based capital ratio | 18.2411% | 1,833 |
| Total risk-based capital ratio | 19.4980% | 1,780 |
| Memoranda: | ||
| Average total assets | $267,343,400 | 2,450 |
| Average earning assets | $247,404,600 | 2,429 |
| Average equity | $27,144,800 | 2,434 |
| Average total loans | $148,840,800 | 2,934 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5964% | 3,884 |
| Cost of funding earning assets | 1.5507% | 5,632 |
| Net interest margin | 4.0456% | 2,615 |
| Noninterest income to average assets | 0.4858% | 4,616 |
| Noninterest expense to average assets | 2.4086% | 6,390 |
| Loan and lease loss provision to assets | 0.8154% | 2,334 |
| Net operating income to assets | 0.8428% | 2,644 |
| Return on assets (ROA) | 0.8416% | 2,713 |
| Pretax return on assets | 1.0442% | 2,760 |
| Return on Equity (ROE) | 8.4604% | 2,465 |
| Retained earnings to average equity (ytd only) | 4.7493% | 2,631 |
| Net charge-offs to loans | 1.2625% | 1,627 |
| Credit loss provision to net charge-offs | 115.1431% | 4,409 |
| Earnings coverage of net charge-offs (x) | 2.6281% | 3,904 |
| Efficiency ratio | 56.4120% | 6,945 |
| Assets per employee ($millions) | 4.0088% | 3,717 |
| Cash dividends to net income (ytd only)* | 43.8640% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3846% | 4,028 |
| Loan loss allowance to noncurrent loans | 61.0117% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 2.0752% | 3,243 |
| Noncurrent loans to loans | 2.2694% | 3,307 |
| Net loans and leases to total assets | 51.6801% | 6,632 |
| Net loans and leases to deposits | 60.4317% | 6,791 |
| Net loans and leases to core deposits | 71.3225% | 6,887 |
| Total domestic deposits to total assets | 85.5182% | 2,961 |
| Equity capital to assets | 10.4575% | 3,557 |
| Core capital (leverage) ratio | 10.5053% | 2,790 |
| Tier 1 risk-based capital ratio | 17.9643% | 2,000 |
| Total risk-based capital ratio | 19.2205% | 1,942 |
| Memoranda: | ||
| Average total assets | $269,807,250 | 2,430 |
| Average earning assets | $252,348,250 | 2,402 |
| Average equity | $26,838,000 | 2,485 |
| Average total loans | $151,338,500 | 2,922 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7551% | 3,272 |
| Cost of funding earning assets | 1.5892% | 5,781 |
| Net interest margin | 4.1660% | 2,108 |
| Noninterest income to average assets | 0.4523% | 4,830 |
| Noninterest expense to average assets | 2.4569% | 6,273 |
| Loan and lease loss provision to assets | 0.3905% | 3,573 |
| Net operating income to assets | 1.1172% | 1,715 |
| Return on assets (ROA) | 1.1150% | 1,801 |
| Pretax return on assets | 1.5427% | 1,344 |
| Return on Equity (ROE) | 11.4072% | 1,586 |
| Retained earnings to average equity (ytd only) | 8.1197% | 1,173 |
| Net charge-offs to loans | 0.7395% | 2,201 |
| Credit loss provision to net charge-offs | 92.1053% | 4,860 |
| Earnings coverage of net charge-offs (x) | 4.5667% | 3,063 |
| Efficiency ratio | 55.9262% | 7,130 |
| Assets per employee ($millions) | 3.9496% | 3,776 |
| Cash dividends to net income (ytd only)* | 28.8192% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1410% | 5,327 |
| Loan loss allowance to noncurrent loans | 168.4004% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.8393% | 5,314 |
| Noncurrent loans to loans | 0.6775% | 5,893 |
| Net loans and leases to total assets | 55.3599% | 6,288 |
| Net loans and leases to deposits | 64.5251% | 6,515 |
| Net loans and leases to core deposits | 75.7690% | 6,692 |
| Total domestic deposits to total assets | 85.7959% | 2,886 |
| Equity capital to assets | 9.9751% | 3,973 |
| Core capital (leverage) ratio | 10.5298% | 2,788 |
| Tier 1 risk-based capital ratio | 17.3944% | 2,178 |
| Total risk-based capital ratio | 18.4524% | 2,175 |
| Memoranda: | ||
| Average total assets | $268,877,000 | 2,453 |
| Average earning assets | $254,346,330 | 2,404 |
| Average equity | $26,281,670 | 2,533 |
| Average total loans | $154,165,670 | 2,917 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8589% | 2,988 |
| Cost of funding earning assets | 1.7187% | 5,523 |
| Net interest margin | 4.1402% | 2,126 |
| Noninterest income to average assets | 0.5040% | 4,290 |
| Noninterest expense to average assets | 2.3819% | 6,257 |
| Loan and lease loss provision to assets | 0.4089% | 2,873 |
| Net operating income to assets | 1.2028% | 1,646 |
| Return on assets (ROA) | 1.1984% | 1,770 |
| Pretax return on assets | 1.6221% | 1,356 |
| Return on Equity (ROE) | 12.3869% | 1,544 |
| Retained earnings to average equity (ytd only) | 10.6195% | 1,051 |
| Net charge-offs to loans | 0.6383% | 1,901 |
| Credit loss provision to net charge-offs | 110.4418% | 3,494 |
| Earnings coverage of net charge-offs (x) | 5.5020% | 2,665 |
| Efficiency ratio | 53.9031% | 7,230 |
| Assets per employee ($millions) | 3.8518% | 3,976 |
| Cash dividends to net income (ytd only)* | 14.2680% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1636% | 5,023 |
| Loan loss allowance to noncurrent loans | 105.9905% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 1.0478% | 4,595 |
| Noncurrent loans to loans | 1.0978% | 4,791 |
| Net loans and leases to total assets | 56.2977% | 6,194 |
| Net loans and leases to deposits | 65.1949% | 6,446 |
| Net loans and leases to core deposits | 76.6932% | 6,631 |
| Total domestic deposits to total assets | 86.3528% | 2,522 |
| Equity capital to assets | 9.5622% | 4,582 |
| Core capital (leverage) ratio | 10.2588% | 3,147 |
| Tier 1 risk-based capital ratio | 16.8928% | 2,368 |
| Total risk-based capital ratio | 17.9773% | 2,363 |
| Memoranda: | ||
| Average total assets | $269,030,500 | 2,475 |
| Average earning assets | $254,381,000 | 2,411 |
| Average equity | $26,027,500 | 2,569 |
| Average total loans | $156,050,500 | 2,914 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2584% | 4,194 |
| Cost of funding earning assets | 2.3820% | 4,802 |
| Net interest margin | 3.8764% | 3,673 |
| Noninterest income to average assets | 0.5641% | 4,116 |
| Noninterest expense to average assets | 2.3675% | 6,511 |
| Loan and lease loss provision to assets | 0.4253% | 3,154 |
| Net operating income to assets | 1.1366% | 2,004 |
| Return on assets (ROA) | 1.1409% | 1,904 |
| Pretax return on assets | 1.4331% | 1,863 |
| Return on Equity (ROE) | 11.0297% | 1,895 |
| Retained earnings to average equity (ytd only) | 1.3978% | 4,377 |
| Net charge-offs to loans | 0.4203% | 2,716 |
| Credit loss provision to net charge-offs | 170.9428% | 2,993 |
| Earnings coverage of net charge-offs (x) | 7.4482% | 3,111 |
| Efficiency ratio | 56.0951% | 6,992 |
| Assets per employee ($millions) | 3.8348% | 3,893 |
| Cash dividends to net income (ytd only)* | 87.3273% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1109% | 5,194 |
| Loan loss allowance to noncurrent loans | 51.5214% | 5,424 |
| Noncurrent assets plus other real estate owned to assets | 1.6440% | 2,962 |
| Noncurrent loans to loans | 2.1562% | 2,557 |
| Net loans and leases to total assets | 58.3977% | 6,144 |
| Net loans and leases to deposits | 68.1484% | 6,451 |
| Net loans and leases to core deposits | 83.4452% | 6,348 |
| Total domestic deposits to total assets | 85.6920% | 2,542 |
| Equity capital to assets | 9.7874% | 4,310 |
| Core capital (leverage) ratio | 10.4492% | 3,021 |
| Tier 1 risk-based capital ratio | 15.5621% | 2,822 |
| Total risk-based capital ratio | 16.5717% | 2,845 |
| Memoranda: | ||
| Average total assets | $260,059,600 | 2,459 |
| Average earning assets | $245,301,800 | 2,404 |
| Average equity | $26,900,000 | 2,487 |
| Average total loans | $153,940,400 | 2,859 |