Home > Kentland Bank > Performance and Condition Ratios
Kentland Bank, Performance and Condition Ratios
| 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 | 4.8052% | 1,982 |
| Cost of funding earning assets | 0.8690% | 3,031 |
| Net interest margin | 3.9361% | 1,358 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.4699% | 2,291 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.2826% | 1,615 |
| Return on assets (ROA) | 1.2866% | 1,588 |
| Pretax return on assets | 1.5149% | 1,567 |
| Return on Equity (ROE) | 12.3700% | 2,048 |
| Retained earnings to average equity (ytd only) | 6.1599% | 2,563 |
| Net charge-offs to loans | 0.0681% | 875 |
| Credit loss provision to net charge-offs | 66.1290% | 1,607 |
| Earnings coverage of net charge-offs (x) | 42.9032% | 1,370 |
| Efficiency ratio | 61.6880% | 2,750 |
| Assets per employee ($millions) | 5.7154% | 2,954 |
| Cash dividends to net income (ytd only)* | 50.2017% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3363% | 1,772 |
| Loan loss allowance to noncurrent loans | 361.7816% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.5638% | 964 |
| Noncurrent loans to loans | 0.3694% | 1,819 |
| Net loans and leases to total assets | 52.4700% | 3,372 |
| Net loans and leases to deposits | 61.7003% | 3,325 |
| Net loans and leases to core deposits | 67.8249% | 3,240 |
| Total domestic deposits to total assets | 85.0400% | 2,534 |
| Equity capital to assets | 10.3789% | 1,645 |
| Core capital (leverage) ratio | 12.8750% | 1,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $346,819,000 | 2,214 |
| Average earning assets | $316,909,000 | 2,232 |
| Average equity | $36,072,000 | 2,018 |
| Average total loans | $182,189,333 | 2,419 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6676% | 1,931 |
| Cost of funding earning assets | 0.7192% | 2,991 |
| Net interest margin | 3.9485% | 1,371 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.6212% | 1,895 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.1452% | 2,081 |
| Return on assets (ROA) | 1.1532% | 2,022 |
| Pretax return on assets | 1.3421% | 2,050 |
| Return on Equity (ROE) | 11.0800% | 2,469 |
| Retained earnings to average equity (ytd only) | 11.0753% | 1,450 |
| Net charge-offs to loans | 0.0156% | 1,384 |
| Credit loss provision to net charge-offs | 300.0000% | 691 |
| Earnings coverage of net charge-offs (x) | 166.2857% | 573 |
| Efficiency ratio | 65.8851% | 2,221 |
| Assets per employee ($millions) | 5.6697% | 3,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3903% | 1,657 |
| Loan loss allowance to noncurrent loans | 493.8104% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.5259% | 985 |
| Noncurrent loans to loans | 0.2815% | 2,134 |
| Net loans and leases to total assets | 52.3600% | 3,323 |
| Net loans and leases to deposits | 60.9309% | 3,280 |
| Net loans and leases to core deposits | 66.7185% | 3,176 |
| Total domestic deposits to total assets | 85.9300% | 2,614 |
| Equity capital to assets | 10.5739% | 1,531 |
| Core capital (leverage) ratio | 12.7687% | 1,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1921% | 820 |
| Memoranda: | ||
| Average total assets | $343,052,000 | 2,263 |
| Average earning assets | $313,135,500 | 2,281 |
| Average equity | $35,719,000 | 2,053 |
| Average total loans | $179,065,500 | 2,464 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7806% | 2,327 |
| Cost of funding earning assets | 0.2478% | 3,343 |
| Net interest margin | 3.5328% | 1,830 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.5571% | 1,949 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 1.0302% | 2,457 |
| Return on assets (ROA) | 1.0302% | 2,397 |
| Pretax return on assets | 1.1902% | 2,470 |
| Return on Equity (ROE) | 9.2700% | 3,044 |
| Retained earnings to average equity (ytd only) | -2.2300% | 4,492 |
| Net charge-offs to loans | 0.0140% | 1,858 |
| Credit loss provision to net charge-offs | -221.7391% | 4,606 |
| Earnings coverage of net charge-offs (x) | 176.3478% | 710 |
| Efficiency ratio | 68.5093% | 1,901 |
| Assets per employee ($millions) | 5.4879% | 3,227 |
| Cash dividends to net income (ytd only)* | 124.0506% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9278% | 3,679 |
| Loan loss allowance to noncurrent loans | 277.2260% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.5308% | 945 |
| Noncurrent loans to loans | 0.3347% | 1,954 |
| Net loans and leases to total assets | 50.8100% | 3,448 |
| Net loans and leases to deposits | 59.8811% | 3,335 |
| Net loans and leases to core deposits | 63.4221% | 3,297 |
| Total domestic deposits to total assets | 84.8500% | 3,035 |
| Equity capital to assets | 10.2477% | 1,588 |
| Core capital (leverage) ratio | 13.1303% | 908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9519% | 835 |
| Memoranda: | ||
| Average total assets | $345,078,200 | 2,244 |
| Average earning assets | $316,009,200 | 2,260 |
| Average equity | $38,341,400 | 1,979 |
| Average total loans | $164,017,200 | 2,510 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5862% | 2,385 |
| Cost of funding earning assets | 0.2101% | 3,146 |
| Net interest margin | 3.3761% | 2,053 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.5231% | 1,947 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.9399% | 2,710 |
| Return on assets (ROA) | 0.9399% | 2,676 |
| Pretax return on assets | 1.0769% | 2,790 |
| Return on Equity (ROE) | 8.3000% | 3,237 |
| Retained earnings to average equity (ytd only) | 2.1457% | 3,994 |
| Net charge-offs to loans | 0.0165% | 1,522 |
| Credit loss provision to net charge-offs | 270.0000% | 863 |
| Earnings coverage of net charge-offs (x) | 142.5500% | 765 |
| Efficiency ratio | 69.6831% | 1,796 |
| Assets per employee ($millions) | 5.5822% | 3,142 |
| Cash dividends to net income (ytd only)* | 74.1499% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0444% | 3,282 |
| Loan loss allowance to noncurrent loans | 365.8898% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.5143% | 1,064 |
| Noncurrent loans to loans | 0.2854% | 2,227 |
| Net loans and leases to total assets | 49.6800% | 3,486 |
| Net loans and leases to deposits | 55.4788% | 3,517 |
| Net loans and leases to core deposits | 58.3075% | 3,480 |
| Total domestic deposits to total assets | 89.5500% | 1,851 |
| Equity capital to assets | 10.1524% | 1,542 |
| Core capital (leverage) ratio | 13.1780% | 859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8860% | 875 |
| Memoranda: | ||
| Average total assets | $346,284,750 | 2,253 |
| Average earning assets | $317,911,500 | 2,263 |
| Average equity | $39,209,750 | 1,973 |
| Average total loans | $161,396,500 | 2,536 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3034% | 2,728 |
| Cost of funding earning assets | 0.2126% | 2,741 |
| Net interest margin | 3.0907% | 2,561 |
| Noninterest income to average assets | 0.5575% | 1,914 |
| Noninterest expense to average assets | 2.4386% | 2,119 |
| Loan and lease loss provision to assets | 0.0205% | 2,235 |
| Net operating income to assets | 0.8377% | 2,831 |
| Return on assets (ROA) | 0.8377% | 2,802 |
| Pretax return on assets | 0.9485% | 2,907 |
| Return on Equity (ROE) | 7.1668% | 3,263 |
| Retained earnings to average equity (ytd only) | -1.6337% | 4,356 |
| Net charge-offs to loans | 0.0187% | 1,361 |
| Credit loss provision to net charge-offs | 240.0000% | 887 |
| Earnings coverage of net charge-offs (x) | 113.6667% | 759 |
| Efficiency ratio | 71.5644% | 1,767 |
| Assets per employee ($millions) | 5.5558% | 3,170 |
| Cash dividends to net income (ytd only)* | 122.7951% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0638% | 3,308 |
| Loan loss allowance to noncurrent loans | 484.1808% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.4575% | 1,234 |
| Noncurrent loans to loans | 0.2197% | 2,623 |
| Net loans and leases to total assets | 46.2765% | 3,697 |
| Net loans and leases to deposits | 51.9106% | 3,689 |
| Net loans and leases to core deposits | 54.6264% | 3,660 |
| Total domestic deposits to total assets | 89.1464% | 2,113 |
| Equity capital to assets | 10.5203% | 1,416 |
| Core capital (leverage) ratio | 12.7797% | 880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1671% | 829 |
| Memoranda: | ||
| Average total assets | $351,929,333 | 2,246 |
| Average earning assets | $324,518,000 | 2,254 |
| Average equity | $41,134,000 | 1,947 |
| Average total loans | $160,075,333 | 2,547 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1302% | 2,878 |
| Cost of funding earning assets | 0.2303% | 2,395 |
| Net interest margin | 2.9000% | 2,838 |
| Noninterest income to average assets | 0.6917% | 1,338 |
| Noninterest expense to average assets | 2.2741% | 2,598 |
| Loan and lease loss provision to assets | 0.0202% | 1,989 |
| Net operating income to assets | 0.9481% | 2,080 |
| Return on assets (ROA) | 0.9481% | 2,071 |
| Pretax return on assets | 1.0887% | 2,179 |
| Return on Equity (ROE) | 7.7371% | 2,782 |
| Retained earnings to average equity (ytd only) | 7.7371% | 1,657 |
| Net charge-offs to loans | 0.0150% | 1,240 |
| Credit loss provision to net charge-offs | 300.0000% | 662 |
| Earnings coverage of net charge-offs (x) | 164.3333% | 499 |
| Efficiency ratio | 67.2207% | 2,603 |
| Assets per employee ($millions) | 5.9504% | 2,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0965% | 3,339 |
| Loan loss allowance to noncurrent loans | 415.8537% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.4890% | 1,228 |
| Noncurrent loans to loans | 0.2637% | 2,530 |
| Net loans and leases to total assets | 43.0765% | 3,813 |
| Net loans and leases to deposits | 48.7433% | 3,832 |
| Net loans and leases to core deposits | 51.0942% | 3,794 |
| Total domestic deposits to total assets | 88.3742% | 2,343 |
| Equity capital to assets | 11.4544% | 1,140 |
| Core capital (leverage) ratio | 12.3795% | 950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8494% | 662 |
| Memoranda: | ||
| Average total assets | $355,665,000 | 2,232 |
| Average earning assets | $330,073,000 | 2,237 |
| Average equity | $43,582,000 | 1,935 |
| Average total loans | $159,554,500 | 2,554 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2440% | 3,360 |
| Cost of funding earning assets | 0.2628% | 2,775 |
| Net interest margin | 2.9812% | 3,247 |
| Noninterest income to average assets | 0.7176% | 1,698 |
| Noninterest expense to average assets | 2.3856% | 2,532 |
| Loan and lease loss provision to assets | -0.1003% | 4,529 |
| Net operating income to assets | 1.0411% | 2,516 |
| Return on assets (ROA) | 1.0411% | 2,588 |
| Pretax return on assets | 1.2020% | 2,658 |
| Return on Equity (ROE) | 7.7028% | 3,318 |
| Retained earnings to average equity (ytd only) | 1.3582% | 4,158 |
| Net charge-offs to loans | 0.0151% | 2,010 |
| Credit loss provision to net charge-offs | -1,396.0000% | 3,990 |
| Earnings coverage of net charge-offs (x) | 153.4000% | 647 |
| Efficiency ratio | 68.4076% | 1,928 |
| Assets per employee ($millions) | 5.9051% | 2,859 |
| Cash dividends to net income (ytd only)* | 82.3675% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0348% | 3,615 |
| Loan loss allowance to noncurrent loans | 406.9712% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.5044% | 1,323 |
| Noncurrent loans to loans | 0.2543% | 2,705 |
| Net loans and leases to total assets | 45.6999% | 3,716 |
| Net loans and leases to deposits | 54.9837% | 3,520 |
| Net loans and leases to core deposits | 58.2025% | 3,455 |
| Total domestic deposits to total assets | 83.1154% | 3,781 |
| Equity capital to assets | 13.0591% | 881 |
| Core capital (leverage) ratio | 12.4281% | 955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7271% | 787 |
| Memoranda: | ||
| Average total assets | $348,082,000 | 2,209 |
| Average earning assets | $323,395,600 | 2,216 |
| Average equity | $47,047,600 | 1,857 |
| Average total loans | $166,110,000 | 2,503 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2642% | 3,474 |
| Cost of funding earning assets | 0.2704% | 2,891 |
| Net interest margin | 2.9938% | 3,323 |
| Noninterest income to average assets | 0.6960% | 1,834 |
| Noninterest expense to average assets | 2.3417% | 2,628 |
| Loan and lease loss provision to assets | 0.0242% | 2,510 |
| Net operating income to assets | 0.9684% | 3,026 |
| Return on assets (ROA) | 0.9684% | 3,107 |
| Pretax return on assets | 1.1081% | 3,179 |
| Return on Equity (ROE) | 7.1036% | 3,645 |
| Retained earnings to average equity (ytd only) | 5.8901% | 2,877 |
| Net charge-offs to loans | 0.0224% | 1,600 |
| Credit loss provision to net charge-offs | 225.0000% | 1,155 |
| Earnings coverage of net charge-offs (x) | 105.1071% | 851 |
| Efficiency ratio | 67.4050% | 1,913 |
| Assets per employee ($millions) | 5.8271% | 2,857 |
| Cash dividends to net income (ytd only)* | 17.0838% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2910% | 2,539 |
| Loan loss allowance to noncurrent loans | 530.8081% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.5137% | 1,485 |
| Noncurrent loans to loans | 0.2432% | 2,961 |
| Net loans and leases to total assets | 45.2137% | 3,855 |
| Net loans and leases to deposits | 54.0966% | 3,731 |
| Net loans and leases to core deposits | 57.1224% | 3,694 |
| Total domestic deposits to total assets | 83.5796% | 3,566 |
| Equity capital to assets | 13.4273% | 874 |
| Core capital (leverage) ratio | 13.0307% | 839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1019% | 685 |
| Memoranda: | ||
| Average total assets | $346,526,250 | 2,237 |
| Average earning assets | $321,543,250 | 2,245 |
| Average equity | $47,242,250 | 1,873 |
| Average total loans | $166,735,000 | 2,534 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2706% | 3,504 |
| Cost of funding earning assets | 0.2823% | 2,953 |
| Net interest margin | 2.9883% | 3,355 |
| Noninterest income to average assets | 0.7318% | 1,711 |
| Noninterest expense to average assets | 2.3502% | 2,616 |
| Loan and lease loss provision to assets | 0.0332% | 2,317 |
| Net operating income to assets | 0.9798% | 2,961 |
| Return on assets (ROA) | 0.9798% | 3,052 |
| Pretax return on assets | 1.1212% | 3,142 |
| Return on Equity (ROE) | 7.1495% | 3,620 |
| Retained earnings to average equity (ytd only) | 5.3228% | 3,060 |
| Net charge-offs to loans | 0.0286% | 1,381 |
| Credit loss provision to net charge-offs | 237.5000% | 982 |
| Earnings coverage of net charge-offs (x) | 82.6250% | 825 |
| Efficiency ratio | 67.0598% | 2,003 |
| Assets per employee ($millions) | 5.7683% | 2,834 |
| Cash dividends to net income (ytd only)* | 25.5496% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2549% | 2,662 |
| Loan loss allowance to noncurrent loans | 382.5137% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.5548% | 1,505 |
| Noncurrent loans to loans | 0.3281% | 2,740 |
| Net loans and leases to total assets | 47.7470% | 3,754 |
| Net loans and leases to deposits | 57.4921% | 3,599 |
| Net loans and leases to core deposits | 60.5586% | 3,577 |
| Total domestic deposits to total assets | 83.0497% | 3,696 |
| Equity capital to assets | 13.7107% | 775 |
| Core capital (leverage) ratio | 12.8554% | 832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0341% | 703 |
| Memoranda: | ||
| Average total assets | $343,550,333 | 2,233 |
| Average earning assets | $318,779,667 | 2,246 |
| Average equity | $47,080,333 | 1,865 |
| Average total loans | $168,041,333 | 2,528 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2727% | 3,521 |
| Cost of funding earning assets | 0.2971% | 3,026 |
| Net interest margin | 2.9756% | 3,322 |
| Noninterest income to average assets | 0.7591% | 1,687 |
| Noninterest expense to average assets | 2.2132% | 3,065 |
| Loan and lease loss provision to assets | 0.0596% | 1,930 |
| Net operating income to assets | 1.0803% | 2,540 |
| Return on assets (ROA) | 1.0803% | 2,621 |
| Pretax return on assets | 1.2473% | 2,706 |
| Return on Equity (ROE) | 7.8901% | 3,362 |
| Retained earnings to average equity (ytd only) | 7.8901% | 2,284 |
| Net charge-offs to loans | -0.0119% | 3,741 |
| Credit loss provision to net charge-offs | -1,020.0000% | 3,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8733% | 2,622 |
| Assets per employee ($millions) | 5.7667% | 2,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2949% | 2,461 |
| Loan loss allowance to noncurrent loans | 426.3052% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.5472% | 1,732 |
| Noncurrent loans to loans | 0.3038% | 3,007 |
| Net loans and leases to total assets | 46.0028% | 3,956 |
| Net loans and leases to deposits | 55.0473% | 3,864 |
| Net loans and leases to core deposits | 58.3463% | 3,812 |
| Total domestic deposits to total assets | 83.5696% | 3,551 |
| Equity capital to assets | 13.3150% | 828 |
| Core capital (leverage) ratio | 13.0068% | 841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8250% | 694 |
| Memoranda: | ||
| Average total assets | $342,494,500 | 2,225 |
| Average earning assets | $317,785,000 | 2,232 |
| Average equity | $46,894,500 | 1,864 |
| Average total loans | $168,387,000 | 2,526 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9915% | 2,755 |
| Cost of funding earning assets | 0.4049% | 3,547 |
| Net interest margin | 3.5866% | 2,182 |
| Noninterest income to average assets | 0.6119% | 2,177 |
| Noninterest expense to average assets | 2.5258% | 2,768 |
| Loan and lease loss provision to assets | 0.0436% | 3,858 |
| Net operating income to assets | 1.1578% | 1,695 |
| Return on assets (ROA) | 1.1570% | 1,819 |
| Pretax return on assets | 1.3502% | 1,820 |
| Return on Equity (ROE) | 7.9396% | 2,843 |
| Retained earnings to average equity (ytd only) | 2.0640% | 3,802 |
| Net charge-offs to loans | 0.0250% | 2,542 |
| Credit loss provision to net charge-offs | 315.9091% | 1,680 |
| Earnings coverage of net charge-offs (x) | 101.0682% | 779 |
| Efficiency ratio | 64.4240% | 2,750 |
| Assets per employee ($millions) | 5.4626% | 2,882 |
| Cash dividends to net income (ytd only)* | 74.0038% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1960% | 2,973 |
| Loan loss allowance to noncurrent loans | 287.0833% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.6431% | 1,637 |
| Noncurrent loans to loans | 0.4166% | 2,731 |
| Net loans and leases to total assets | 51.2456% | 3,729 |
| Net loans and leases to deposits | 62.9023% | 3,528 |
| Net loans and leases to core deposits | 67.1603% | 3,470 |
| Total domestic deposits to total assets | 81.4685% | 3,767 |
| Equity capital to assets | 14.0900% | 773 |
| Core capital (leverage) ratio | 13.3341% | 822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4844% | 976 |
| Memoranda: | ||
| Average total assets | $318,832,800 | 2,198 |
| Average earning assets | $294,122,800 | 2,214 |
| Average equity | $46,463,200 | 1,799 |
| Average total loans | $175,718,600 | 2,438 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1238% | 2,607 |
| Cost of funding earning assets | 0.4334% | 3,621 |
| Net interest margin | 3.6904% | 1,974 |
| Noninterest income to average assets | 0.5490% | 2,387 |
| Noninterest expense to average assets | 2.5005% | 2,848 |
| Loan and lease loss provision to assets | 0.1028% | 3,033 |
| Net operating income to assets | 1.1545% | 1,806 |
| Return on assets (ROA) | 1.1534% | 1,923 |
| Pretax return on assets | 1.3480% | 1,881 |
| Return on Equity (ROE) | 7.8459% | 2,865 |
| Retained earnings to average equity (ytd only) | 6.9828% | 1,701 |
| Net charge-offs to loans | 0.0060% | 2,923 |
| Credit loss provision to net charge-offs | 3,037.5000% | 346 |
| Earnings coverage of net charge-offs (x) | 429.1250% | 265 |
| Efficiency ratio | 63.2638% | 2,872 |
| Assets per employee ($millions) | 5.0490% | 3,184 |
| Cash dividends to net income (ytd only)* | 11.0011% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 2,401 |
| Loan loss allowance to noncurrent loans | 281.5051% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.7483% | 1,554 |
| Noncurrent loans to loans | 0.4434% | 2,721 |
| Net loans and leases to total assets | 54.0357% | 3,802 |
| Net loans and leases to deposits | 66.4518% | 3,580 |
| Net loans and leases to core deposits | 71.7851% | 3,492 |
| Total domestic deposits to total assets | 81.3157% | 3,588 |
| Equity capital to assets | 14.8939% | 660 |
| Core capital (leverage) ratio | 13.9949% | 709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5405% | 834 |
| Memoranda: | ||
| Average total assets | $315,235,750 | 2,196 |
| Average earning assets | $290,726,500 | 2,213 |
| Average equity | $46,341,250 | 1,799 |
| Average total loans | $176,441,250 | 2,435 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2340% | 2,655 |
| Cost of funding earning assets | 0.4707% | 3,697 |
| Net interest margin | 3.7632% | 1,950 |
| Noninterest income to average assets | 0.5355% | 2,413 |
| Noninterest expense to average assets | 2.5457% | 2,838 |
| Loan and lease loss provision to assets | 0.0940% | 3,096 |
| Net operating income to assets | 1.1673% | 1,734 |
| Return on assets (ROA) | 1.1657% | 1,868 |
| Pretax return on assets | 1.3666% | 1,813 |
| Return on Equity (ROE) | 7.9658% | 2,759 |
| Retained earnings to average equity (ytd only) | 6.6542% | 1,796 |
| Net charge-offs to loans | 0.0034% | 2,864 |
| Credit loss provision to net charge-offs | 4,900.0000% | 241 |
| Earnings coverage of net charge-offs (x) | 762.0000% | 124 |
| Efficiency ratio | 63.5116% | 2,881 |
| Assets per employee ($millions) | 5.2516% | 2,885 |
| Cash dividends to net income (ytd only)* | 16.4654% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 2,632 |
| Loan loss allowance to noncurrent loans | 269.5541% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.7333% | 1,682 |
| Noncurrent loans to loans | 0.4363% | 2,857 |
| Net loans and leases to total assets | 53.7405% | 3,895 |
| Net loans and leases to deposits | 65.5783% | 3,755 |
| Net loans and leases to core deposits | 72.9069% | 3,527 |
| Total domestic deposits to total assets | 81.9487% | 3,388 |
| Equity capital to assets | 14.2481% | 794 |
| Core capital (leverage) ratio | 13.9790% | 753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8703% | 927 |
| Memoranda: | ||
| Average total assets | $312,601,667 | 2,184 |
| Average earning assets | $288,476,000 | 2,196 |
| Average equity | $45,745,667 | 1,800 |
| Average total loans | $176,316,000 | 2,426 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5532% | 2,144 |
| Cost of funding earning assets | 0.5169% | 3,862 |
| Net interest margin | 4.0363% | 1,298 |
| Noninterest income to average assets | 0.4771% | 2,669 |
| Noninterest expense to average assets | 2.5069% | 3,255 |
| Loan and lease loss provision to assets | 0.0672% | 2,919 |
| Net operating income to assets | 1.3636% | 1,074 |
| Return on assets (ROA) | 1.3602% | 1,164 |
| Pretax return on assets | 1.6146% | 1,015 |
| Return on Equity (ROE) | 9.1635% | 2,042 |
| Retained earnings to average equity (ytd only) | 9.1635% | 924 |
| Net charge-offs to loans | 0.0138% | 2,109 |
| Credit loss provision to net charge-offs | 850.0000% | 640 |
| Earnings coverage of net charge-offs (x) | 213.1667% | 326 |
| Efficiency ratio | 59.7925% | 3,763 |
| Assets per employee ($millions) | 5.1856% | 2,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1734% | 2,811 |
| Loan loss allowance to noncurrent loans | 268.9333% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.7746% | 1,745 |
| Noncurrent loans to loans | 0.4363% | 2,944 |
| Net loans and leases to total assets | 55.5236% | 3,871 |
| Net loans and leases to deposits | 68.3918% | 3,704 |
| Net loans and leases to core deposits | 76.6702% | 3,452 |
| Total domestic deposits to total assets | 81.1846% | 3,626 |
| Equity capital to assets | 15.0119% | 756 |
| Core capital (leverage) ratio | 14.5469% | 788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9611% | 871 |
| Memoranda: | ||
| Average total assets | $303,477,000 | 2,191 |
| Average earning assets | $279,365,500 | 2,200 |
| Average equity | $45,048,500 | 1,815 |
| Average total loans | $174,515,500 | 2,420 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9085% | 1,730 |
| Cost of funding earning assets | 0.5969% | 3,652 |
| Net interest margin | 4.3117% | 1,069 |
| Noninterest income to average assets | 0.5237% | 2,605 |
| Noninterest expense to average assets | 2.5758% | 3,243 |
| Loan and lease loss provision to assets | 0.1074% | 1,938 |
| Net operating income to assets | 1.5150% | 1,015 |
| Return on assets (ROA) | 1.5235% | 1,060 |
| Pretax return on assets | 1.8223% | 884 |
| Return on Equity (ROE) | 10.6231% | 2,041 |
| Retained earnings to average equity (ytd only) | 2.1274% | 3,933 |
| Net charge-offs to loans | 0.1490% | 1,331 |
| Credit loss provision to net charge-offs | 126.0536% | 2,024 |
| Earnings coverage of net charge-offs (x) | 22.5402% | 1,846 |
| Efficiency ratio | 57.2984% | 4,052 |
| Assets per employee ($millions) | 5.0167% | 2,572 |
| Cash dividends to net income (ytd only)* | 79.9743% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1133% | 2,870 |
| Loan loss allowance to noncurrent loans | 272.7524% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.7744% | 1,669 |
| Noncurrent loans to loans | 0.4082% | 2,976 |
| Net loans and leases to total assets | 58.1944% | 3,757 |
| Net loans and leases to deposits | 70.7900% | 3,607 |
| Net loans and leases to core deposits | 78.5647% | 3,410 |
| Total domestic deposits to total assets | 82.2072% | 3,454 |
| Equity capital to assets | 14.6736% | 871 |
| Core capital (leverage) ratio | 14.2015% | 877 |
| Tier 1 risk-based capital ratio | 18.2244% | 1,709 |
| Total risk-based capital ratio | 19.0628% | 1,760 |
| Memoranda: | ||
| Average total assets | $306,472,800 | 2,129 |
| Average earning assets | $282,304,800 | 2,128 |
| Average equity | $43,951,200 | 1,791 |
| Average total loans | $175,124,400 | 2,369 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9226% | 1,756 |
| Cost of funding earning assets | 0.6080% | 3,657 |
| Net interest margin | 4.3147% | 1,135 |
| Noninterest income to average assets | 0.5708% | 2,349 |
| Noninterest expense to average assets | 2.6229% | 3,095 |
| Loan and lease loss provision to assets | 0.0632% | 2,626 |
| Net operating income to assets | 1.5537% | 1,049 |
| Return on assets (ROA) | 1.5648% | 1,068 |
| Pretax return on assets | 1.8754% | 920 |
| Return on Equity (ROE) | 10.9739% | 2,026 |
| Retained earnings to average equity (ytd only) | 7.1772% | 1,772 |
| Net charge-offs to loans | 0.0321% | 2,434 |
| Credit loss provision to net charge-offs | 347.6190% | 866 |
| Earnings coverage of net charge-offs (x) | 105.8307% | 720 |
| Efficiency ratio | 57.6707% | 3,983 |
| Assets per employee ($millions) | 5.0182% | 2,542 |
| Cash dividends to net income (ytd only)* | 34.5974% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1594% | 2,723 |
| Loan loss allowance to noncurrent loans | 499.5025% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.6347% | 2,100 |
| Noncurrent loans to loans | 0.2321% | 3,713 |
| Net loans and leases to total assets | 55.9214% | 4,052 |
| Net loans and leases to deposits | 67.5487% | 3,950 |
| Net loans and leases to core deposits | 76.6455% | 3,652 |
| Total domestic deposits to total assets | 82.7868% | 3,230 |
| Equity capital to assets | 14.9304% | 861 |
| Core capital (leverage) ratio | 14.4709% | 865 |
| Tier 1 risk-based capital ratio | 19.5792% | 1,443 |
| Total risk-based capital ratio | 20.4668% | 1,486 |
| Memoranda: | ||
| Average total assets | $307,840,250 | 2,138 |
| Average earning assets | $283,770,000 | 2,141 |
| Average equity | $43,897,000 | 1,803 |
| Average total loans | $174,620,750 | 2,398 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8877% | 1,787 |
| Cost of funding earning assets | 0.6006% | 3,650 |
| Net interest margin | 4.2871% | 1,175 |
| Noninterest income to average assets | 0.5882% | 2,209 |
| Noninterest expense to average assets | 2.6484% | 3,065 |
| Loan and lease loss provision to assets | 0.0623% | 2,573 |
| Net operating income to assets | 1.5340% | 1,050 |
| Return on assets (ROA) | 1.5563% | 1,039 |
| Pretax return on assets | 1.8618% | 910 |
| Return on Equity (ROE) | 11.0867% | 1,944 |
| Retained earnings to average equity (ytd only) | 5.4510% | 2,542 |
| Net charge-offs to loans | 0.0343% | 2,179 |
| Credit loss provision to net charge-offs | 320.0000% | 857 |
| Earnings coverage of net charge-offs (x) | 97.5333% | 709 |
| Efficiency ratio | 58.2596% | 3,976 |
| Assets per employee ($millions) | 5.0226% | 2,451 |
| Cash dividends to net income (ytd only)* | 50.8333% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1350% | 2,876 |
| Loan loss allowance to noncurrent loans | 684.0278% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.6021% | 2,219 |
| Noncurrent loans to loans | 0.1659% | 3,957 |
| Net loans and leases to total assets | 55.1058% | 4,133 |
| Net loans and leases to deposits | 66.3567% | 4,078 |
| Net loans and leases to core deposits | 75.4444% | 3,774 |
| Total domestic deposits to total assets | 83.0449% | 3,180 |
| Equity capital to assets | 14.2133% | 1,046 |
| Core capital (leverage) ratio | 14.1666% | 915 |
| Tier 1 risk-based capital ratio | 18.9780% | 1,563 |
| Total risk-based capital ratio | 19.8452% | 1,609 |
| Memoranda: | ||
| Average total assets | $308,417,670 | 2,127 |
| Average earning assets | $284,717,330 | 2,137 |
| Average equity | $43,295,000 | 1,816 |
| Average total loans | $175,098,330 | 2,402 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8806% | 1,654 |
| Cost of funding earning assets | 0.5928% | 3,613 |
| Net interest margin | 4.2878% | 1,116 |
| Noninterest income to average assets | 0.6516% | 1,819 |
| Noninterest expense to average assets | 2.4827% | 3,559 |
| Loan and lease loss provision to assets | 0.0626% | 2,409 |
| Net operating income to assets | 1.7179% | 705 |
| Return on assets (ROA) | 1.7255% | 722 |
| Pretax return on assets | 2.0748% | 559 |
| Return on Equity (ROE) | 12.3702% | 1,422 |
| Retained earnings to average equity (ytd only) | 12.3702% | 553 |
| Net charge-offs to loans | -0.0159% | 4,401 |
| Credit loss provision to net charge-offs | -685.7143% | 3,870 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8440% | 4,543 |
| Assets per employee ($millions) | 4.9303% | 2,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1322% | 2,954 |
| Loan loss allowance to noncurrent loans | 638.1107% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.5663% | 2,370 |
| Noncurrent loans to loans | 0.1774% | 3,959 |
| Net loans and leases to total assets | 55.9616% | 4,062 |
| Net loans and leases to deposits | 66.9888% | 3,987 |
| Net loans and leases to core deposits | 76.3484% | 3,638 |
| Total domestic deposits to total assets | 83.5387% | 3,207 |
| Equity capital to assets | 14.3673% | 915 |
| Core capital (leverage) ratio | 14.1187% | 919 |
| Tier 1 risk-based capital ratio | 19.1105% | 1,525 |
| Total risk-based capital ratio | 19.9761% | 1,566 |
| Memoranda: | ||
| Average total assets | $306,927,000 | 2,154 |
| Average earning assets | $283,407,500 | 2,151 |
| Average equity | $42,812,500 | 1,825 |
| Average total loans | $175,863,000 | 2,413 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9100% | 1,256 |
| Cost of funding earning assets | 0.5122% | 3,272 |
| Net interest margin | 4.3978% | 943 |
| Noninterest income to average assets | 0.5630% | 2,476 |
| Noninterest expense to average assets | 2.6446% | 3,198 |
| Loan and lease loss provision to assets | -0.0837% | 5,248 |
| Net operating income to assets | 1.6704% | 736 |
| Return on assets (ROA) | 1.6690% | 736 |
| Pretax return on assets | 2.0136% | 548 |
| Return on Equity (ROE) | 12.1764% | 1,650 |
| Retained earnings to average equity (ytd only) | 3.3638% | 3,733 |
| Net charge-offs to loans | 0.1024% | 1,733 |
| Credit loss provision to net charge-offs | -140.7821% | 4,430 |
| Earnings coverage of net charge-offs (x) | 32.5084% | 1,517 |
| Efficiency ratio | 57.7905% | 4,184 |
| Assets per employee ($millions) | 4.9705% | 2,543 |
| Cash dividends to net income (ytd only)* | 72.3747% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0655% | 3,296 |
| Loan loss allowance to noncurrent loans | 553.4884% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.6321% | 2,149 |
| Noncurrent loans to loans | 0.1925% | 3,885 |
| Net loans and leases to total assets | 57.3700% | 4,020 |
| Net loans and leases to deposits | 68.5318% | 3,938 |
| Net loans and leases to core deposits | 76.7047% | 3,668 |
| Total domestic deposits to total assets | 83.7130% | 3,079 |
| Equity capital to assets | 13.5336% | 1,134 |
| Core capital (leverage) ratio | 13.8406% | 973 |
| Tier 1 risk-based capital ratio | 17.8955% | 1,785 |
| Total risk-based capital ratio | 18.7081% | 1,864 |
| Memoranda: | ||
| Average total assets | $301,254,600 | 2,146 |
| Average earning assets | $274,909,000 | 2,164 |
| Average equity | $41,293,000 | 1,804 |
| Average total loans | $174,731,000 | 2,384 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8849% | 1,201 |
| Cost of funding earning assets | 0.4924% | 3,249 |
| Net interest margin | 4.3926% | 911 |
| Noninterest income to average assets | 0.5885% | 2,374 |
| Noninterest expense to average assets | 2.5680% | 3,388 |
| Loan and lease loss provision to assets | 0.0641% | 2,690 |
| Net operating income to assets | 1.6258% | 907 |
| Return on assets (ROA) | 1.6332% | 891 |
| Pretax return on assets | 1.9684% | 676 |
| Return on Equity (ROE) | 11.8765% | 1,834 |
| Retained earnings to average equity (ytd only) | 7.8821% | 1,708 |
| Net charge-offs to loans | 0.1074% | 1,412 |
| Credit loss provision to net charge-offs | 102.8571% | 2,217 |
| Earnings coverage of net charge-offs (x) | 32.4718% | 1,545 |
| Efficiency ratio | 55.9283% | 4,399 |
| Assets per employee ($millions) | 4.9215% | 2,565 |
| Cash dividends to net income (ytd only)* | 33.6331% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3203% | 1,994 |
| Loan loss allowance to noncurrent loans | 1,321.4689% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.5840% | 2,426 |
| Noncurrent loans to loans | 0.0999% | 4,439 |
| Net loans and leases to total assets | 57.2933% | 4,106 |
| Net loans and leases to deposits | 68.8973% | 3,995 |
| Net loans and leases to core deposits | 77.3019% | 3,711 |
| Total domestic deposits to total assets | 83.1576% | 3,243 |
| Equity capital to assets | 13.7398% | 1,044 |
| Core capital (leverage) ratio | 14.3264% | 858 |
| Tier 1 risk-based capital ratio | 18.6721% | 1,621 |
| Total risk-based capital ratio | 19.6883% | 1,641 |
| Memoranda: | ||
| Average total assets | $299,525,000 | 2,168 |
| Average earning assets | $272,968,500 | 2,185 |
| Average equity | $41,189,500 | 1,817 |
| Average total loans | $173,738,000 | 2,404 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8875% | 1,049 |
| Cost of funding earning assets | 0.4623% | 3,270 |
| Net interest margin | 4.4252% | 804 |
| Noninterest income to average assets | 0.5234% | 2,727 |
| Noninterest expense to average assets | 2.6097% | 3,298 |
| Loan and lease loss provision to assets | 0.0645% | 2,609 |
| Net operating income to assets | 1.5578% | 1,018 |
| Return on assets (ROA) | 1.5689% | 999 |
| Pretax return on assets | 1.8827% | 809 |
| Return on Equity (ROE) | 11.4057% | 1,951 |
| Retained earnings to average equity (ytd only) | 5.3780% | 2,887 |
| Net charge-offs to loans | 0.1553% | 996 |
| Credit loss provision to net charge-offs | 71.6418% | 2,329 |
| Earnings coverage of net charge-offs (x) | 21.4776% | 1,774 |
| Efficiency ratio | 57.4386% | 4,310 |
| Assets per employee ($millions) | 4.7355% | 2,773 |
| Cash dividends to net income (ytd only)* | 52.8480% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3249% | 2,056 |
| Loan loss allowance to noncurrent loans | 740.9677% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.6942% | 2,152 |
| Noncurrent loans to loans | 0.1788% | 4,104 |
| Net loans and leases to total assets | 57.3435% | 4,055 |
| Net loans and leases to deposits | 68.3171% | 3,998 |
| Net loans and leases to core deposits | 75.5657% | 3,773 |
| Total domestic deposits to total assets | 83.9373% | 3,093 |
| Equity capital to assets | 13.7757% | 1,003 |
| Core capital (leverage) ratio | 14.0813% | 892 |
| Tier 1 risk-based capital ratio | 18.3693% | 1,706 |
| Total risk-based capital ratio | 19.3826% | 1,722 |
| Memoranda: | ||
| Average total assets | $297,655,000 | 2,190 |
| Average earning assets | $270,405,330 | 2,206 |
| Average equity | $40,944,330 | 1,827 |
| Average total loans | $172,597,000 | 2,423 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5767% | 1,640 |
| Cost of funding earning assets | 0.4352% | 3,332 |
| Net interest margin | 4.1415% | 1,333 |
| Noninterest income to average assets | 0.5260% | 2,652 |
| Noninterest expense to average assets | 2.5266% | 3,569 |
| Loan and lease loss provision to assets | 0.0646% | 2,478 |
| Net operating income to assets | 1.4102% | 1,319 |
| Return on assets (ROA) | 1.4328% | 1,256 |
| Pretax return on assets | 1.7006% | 1,115 |
| Return on Equity (ROE) | 10.4239% | 2,216 |
| Retained earnings to average equity (ytd only) | 10.4239% | 1,036 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2429% | 4,171 |
| Assets per employee ($millions) | 4.7832% | 2,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3945% | 1,865 |
| Loan loss allowance to noncurrent loans | 383.1190% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.7384% | 2,098 |
| Noncurrent loans to loans | 0.3640% | 3,467 |
| Net loans and leases to total assets | 55.9182% | 4,131 |
| Net loans and leases to deposits | 66.1773% | 4,076 |
| Net loans and leases to core deposits | 73.1170% | 3,876 |
| Total domestic deposits to total assets | 84.4976% | 3,116 |
| Equity capital to assets | 13.6305% | 1,004 |
| Core capital (leverage) ratio | 14.0226% | 870 |
| Tier 1 risk-based capital ratio | 18.5375% | 1,677 |
| Total risk-based capital ratio | 19.5999% | 1,700 |
| Memoranda: | ||
| Average total assets | $297,314,000 | 2,206 |
| Average earning assets | $268,405,000 | 2,246 |
| Average equity | $40,867,500 | 1,832 |
| Average total loans | $172,208,500 | 2,446 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4155% | 1,987 |
| Cost of funding earning assets | 0.4739% | 2,562 |
| Net interest margin | 3.9415% | 1,949 |
| Noninterest income to average assets | 0.5526% | 2,702 |
| Noninterest expense to average assets | 2.4862% | 3,830 |
| Loan and lease loss provision to assets | 0.0080% | 4,107 |
| Net operating income to assets | 1.2118% | 1,484 |
| Return on assets (ROA) | 1.2152% | 1,496 |
| Pretax return on assets | 1.6167% | 1,246 |
| Return on Equity (ROE) | 8.7695% | 2,420 |
| Retained earnings to average equity (ytd only) | -0.7750% | 5,158 |
| Net charge-offs to loans | 0.0095% | 3,759 |
| Credit loss provision to net charge-offs | 150.0000% | 1,774 |
| Earnings coverage of net charge-offs (x) | 305.4375% | 283 |
| Efficiency ratio | 60.5473% | 4,178 |
| Assets per employee ($millions) | 4.7305% | 2,821 |
| Cash dividends to net income (ytd only)* | 108.8380% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3456% | 1,993 |
| Loan loss allowance to noncurrent loans | 237.2967% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.8834% | 1,763 |
| Noncurrent loans to loans | 0.5670% | 2,799 |
| Net loans and leases to total assets | 58.3710% | 3,975 |
| Net loans and leases to deposits | 70.1636% | 3,857 |
| Net loans and leases to core deposits | 75.0385% | 3,810 |
| Total domestic deposits to total assets | 83.1926% | 3,498 |
| Equity capital to assets | 13.8638% | 945 |
| Core capital (leverage) ratio | 13.6740% | 918 |
| Tier 1 risk-based capital ratio | 18.2134% | 1,738 |
| Total risk-based capital ratio | 19.2625% | 1,751 |
| Memoranda: | ||
| Average total assets | $301,666,600 | 2,157 |
| Average earning assets | $271,976,800 | 2,197 |
| Average equity | $41,804,000 | 1,784 |
| Average total loans | $168,736,800 | 2,434 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3706% | 2,046 |
| Cost of funding earning assets | 0.4846% | 2,392 |
| Net interest margin | 3.8860% | 2,085 |
| Noninterest income to average assets | 0.5566% | 2,689 |
| Noninterest expense to average assets | 2.4584% | 3,861 |
| Loan and lease loss provision to assets | 0.0632% | 2,804 |
| Net operating income to assets | 1.1646% | 1,826 |
| Return on assets (ROA) | 1.1693% | 1,848 |
| Pretax return on assets | 1.5323% | 1,663 |
| Return on Equity (ROE) | 8.4389% | 2,909 |
| Retained earnings to average equity (ytd only) | 6.4432% | 1,991 |
| Net charge-offs to loans | -0.0127% | 4,713 |
| Credit loss provision to net charge-offs | -900.0000% | 4,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7352% | 4,083 |
| Assets per employee ($millions) | 4.6685% | 2,878 |
| Cash dividends to net income (ytd only)* | 23.6487% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4183% | 1,824 |
| Loan loss allowance to noncurrent loans | 188.8383% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 1.3631% | 1,153 |
| Noncurrent loans to loans | 0.7511% | 2,485 |
| Net loans and leases to total assets | 58.7735% | 3,984 |
| Net loans and leases to deposits | 70.8821% | 3,887 |
| Net loans and leases to core deposits | 75.9972% | 3,799 |
| Total domestic deposits to total assets | 82.9172% | 3,481 |
| Equity capital to assets | 14.7388% | 802 |
| Core capital (leverage) ratio | 14.4224% | 785 |
| Tier 1 risk-based capital ratio | 18.4562% | 1,742 |
| Total risk-based capital ratio | 19.5262% | 1,746 |
| Memoranda: | ||
| Average total assets | $303,761,250 | 2,165 |
| Average earning assets | $272,908,000 | 2,211 |
| Average equity | $42,089,750 | 1,785 |
| Average total loans | $167,538,500 | 2,465 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2951% | 2,147 |
| Cost of funding earning assets | 0.5156% | 2,052 |
| Net interest margin | 3.7795% | 2,361 |
| Noninterest income to average assets | 0.5597% | 2,656 |
| Noninterest expense to average assets | 2.4464% | 3,925 |
| Loan and lease loss provision to assets | 0.0632% | 2,708 |
| Net operating income to assets | 1.0985% | 1,981 |
| Return on assets (ROA) | 1.0985% | 2,037 |
| Pretax return on assets | 1.4262% | 1,912 |
| Return on Equity (ROE) | 8.0922% | 2,971 |
| Retained earnings to average equity (ytd only) | 5.0684% | 2,669 |
| Net charge-offs to loans | -0.0243% | 4,850 |
| Credit loss provision to net charge-offs | -485.0000% | 4,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1586% | 3,966 |
| Assets per employee ($millions) | 4.8251% | 2,616 |
| Cash dividends to net income (ytd only)* | 37.3665% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4708% | 1,681 |
| Loan loss allowance to noncurrent loans | 203.1588% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 1.2994% | 1,275 |
| Noncurrent loans to loans | 0.7240% | 2,578 |
| Net loans and leases to total assets | 53.8594% | 4,398 |
| Net loans and leases to deposits | 64.2081% | 4,360 |
| Net loans and leases to core deposits | 67.4693% | 4,380 |
| Total domestic deposits to total assets | 83.8826% | 3,246 |
| Equity capital to assets | 13.9896% | 969 |
| Core capital (leverage) ratio | 13.8575% | 897 |
| Tier 1 risk-based capital ratio | 18.8738% | 1,617 |
| Total risk-based capital ratio | 19.9742% | 1,626 |
| Memoranda: | ||
| Average total assets | $306,977,000 | 2,151 |
| Average earning assets | $274,218,000 | 2,205 |
| Average equity | $41,670,000 | 1,797 |
| Average total loans | $164,935,330 | 2,496 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2619% | 2,065 |
| Cost of funding earning assets | 0.5296% | 1,864 |
| Net interest margin | 3.7323% | 2,375 |
| Noninterest income to average assets | 0.5342% | 2,743 |
| Noninterest expense to average assets | 2.3470% | 4,271 |
| Loan and lease loss provision to assets | 0.0622% | 2,566 |
| Net operating income to assets | 1.0918% | 1,904 |
| Return on assets (ROA) | 1.0918% | 1,947 |
| Pretax return on assets | 1.4147% | 1,838 |
| Return on Equity (ROE) | 8.1664% | 2,829 |
| Retained earnings to average equity (ytd only) | 7.3905% | 1,698 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3767% | 4,248 |
| Assets per employee ($millions) | 4.9862% | 2,466 |
| Cash dividends to net income (ytd only)* | 9.5012% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4602% | 1,826 |
| Loan loss allowance to noncurrent loans | 138.2421% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 1.4462% | 1,138 |
| Noncurrent loans to loans | 1.0562% | 1,940 |
| Net loans and leases to total assets | 51.8449% | 4,528 |
| Net loans and leases to deposits | 62.4745% | 4,405 |
| Net loans and leases to core deposits | 65.6217% | 4,452 |
| Total domestic deposits to total assets | 82.9858% | 3,850 |
| Equity capital to assets | 13.5314% | 1,061 |
| Core capital (leverage) ratio | 13.4628% | 985 |
| Tier 1 risk-based capital ratio | 19.2457% | 1,551 |
| Total risk-based capital ratio | 20.3438% | 1,555 |
| Memoranda: | ||
| Average total assets | $308,474,500 | 2,158 |
| Average earning assets | $271,897,000 | 2,238 |
| Average equity | $41,242,000 | 1,809 |
| Average total loans | $164,319,500 | 2,522 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2745% | 2,234 |
| Cost of funding earning assets | 0.5452% | 1,746 |
| Net interest margin | 3.7293% | 2,576 |
| Noninterest income to average assets | 0.5053% | 3,202 |
| Noninterest expense to average assets | 2.3993% | 4,300 |
| Loan and lease loss provision to assets | 0.0584% | 3,221 |
| Net operating income to assets | 1.1588% | 1,654 |
| Return on assets (ROA) | 1.1588% | 1,749 |
| Pretax return on assets | 1.4995% | 1,583 |
| Return on Equity (ROE) | 8.4719% | 2,690 |
| Retained earnings to average equity (ytd only) | 4.6166% | 2,625 |
| Net charge-offs to loans | 0.0223% | 3,595 |
| Credit loss provision to net charge-offs | 472.9730% | 691 |
| Earnings coverage of net charge-offs (x) | 126.1622% | 484 |
| Efficiency ratio | 60.6309% | 4,488 |
| Assets per employee ($millions) | 5.0459% | 2,339 |
| Cash dividends to net income (ytd only)* | 45.5069% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4019% | 2,069 |
| Loan loss allowance to noncurrent loans | 160.7044% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 1.3606% | 1,271 |
| Noncurrent loans to loans | 0.8724% | 2,356 |
| Net loans and leases to total assets | 53.1705% | 4,511 |
| Net loans and leases to deposits | 63.9030% | 4,423 |
| Net loans and leases to core deposits | 67.4859% | 4,433 |
| Total domestic deposits to total assets | 83.2051% | 3,697 |
| Equity capital to assets | 13.2072% | 1,169 |
| Core capital (leverage) ratio | 13.4018% | 1,001 |
| Tier 1 risk-based capital ratio | 18.4203% | 1,746 |
| Total risk-based capital ratio | 19.4692% | 1,753 |
| Memoranda: | ||
| Average total assets | $299,629,000 | 2,167 |
| Average earning assets | $277,344,600 | 2,171 |
| Average equity | $40,982,400 | 1,811 |
| Average total loans | $166,208,400 | 2,453 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3140% | 2,120 |
| Cost of funding earning assets | 0.5465% | 1,734 |
| Net interest margin | 3.7675% | 2,461 |
| Noninterest income to average assets | 0.4951% | 3,288 |
| Noninterest expense to average assets | 2.3648% | 4,367 |
| Loan and lease loss provision to assets | 0.0645% | 2,941 |
| Net operating income to assets | 1.2034% | 1,640 |
| Return on assets (ROA) | 1.2034% | 1,730 |
| Pretax return on assets | 1.5654% | 1,479 |
| Return on Equity (ROE) | 8.7209% | 2,649 |
| Retained earnings to average equity (ytd only) | 5.8800% | 2,252 |
| Net charge-offs to loans | 0.0345% | 2,941 |
| Credit loss provision to net charge-offs | 334.8837% | 953 |
| Earnings coverage of net charge-offs (x) | 84.6075% | 746 |
| Efficiency ratio | 59.1969% | 4,663 |
| Assets per employee ($millions) | 5.1138% | 2,238 |
| Cash dividends to net income (ytd only)* | 32.5764% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3344% | 2,511 |
| Loan loss allowance to noncurrent loans | 188.5597% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 1.3931% | 1,338 |
| Noncurrent loans to loans | 0.7077% | 2,913 |
| Net loans and leases to total assets | 57.1133% | 4,184 |
| Net loans and leases to deposits | 69.5950% | 4,019 |
| Net loans and leases to core deposits | 73.7211% | 4,023 |
| Total domestic deposits to total assets | 82.0653% | 3,921 |
| Equity capital to assets | 14.1680% | 978 |
| Core capital (leverage) ratio | 13.7668% | 924 |
| Tier 1 risk-based capital ratio | 18.6196% | 1,755 |
| Total risk-based capital ratio | 19.6655% | 1,769 |
| Memoranda: | ||
| Average total assets | $297,585,750 | 2,184 |
| Average earning assets | $276,426,750 | 2,184 |
| Average equity | $41,065,000 | 1,815 |
| Average total loans | $166,263,750 | 2,455 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2805% | 2,217 |
| Cost of funding earning assets | 0.5429% | 1,760 |
| Net interest margin | 3.7376% | 2,562 |
| Noninterest income to average assets | 0.4666% | 3,423 |
| Noninterest expense to average assets | 2.2134% | 4,812 |
| Loan and lease loss provision to assets | 0.0644% | 2,856 |
| Net operating income to assets | 1.2749% | 1,349 |
| Return on assets (ROA) | 1.2749% | 1,463 |
| Pretax return on assets | 1.6736% | 1,161 |
| Return on Equity (ROE) | 9.3212% | 2,349 |
| Retained earnings to average equity (ytd only) | 5.3208% | 2,534 |
| Net charge-offs to loans | 0.0085% | 3,407 |
| Credit loss provision to net charge-offs | 1,371.4286% | 289 |
| Earnings coverage of net charge-offs (x) | 369.8571% | 188 |
| Efficiency ratio | 56.0143% | 5,147 |
| Assets per employee ($millions) | 4.8181% | 2,534 |
| Cash dividends to net income (ytd only)* | 42.9173% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3703% | 2,434 |
| Loan loss allowance to noncurrent loans | 122.5390% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 1.6042% | 1,150 |
| Noncurrent loans to loans | 1.1182% | 2,056 |
| Net loans and leases to total assets | 54.8898% | 4,422 |
| Net loans and leases to deposits | 66.5236% | 4,304 |
| Net loans and leases to core deposits | 69.8890% | 4,333 |
| Total domestic deposits to total assets | 82.5118% | 3,836 |
| Equity capital to assets | 13.8416% | 1,077 |
| Core capital (leverage) ratio | 13.6114% | 946 |
| Tier 1 risk-based capital ratio | 18.5158% | 1,795 |
| Total risk-based capital ratio | 19.5689% | 1,809 |
| Memoranda: | ||
| Average total assets | $297,915,000 | 2,198 |
| Average earning assets | $277,771,330 | 2,184 |
| Average equity | $40,746,000 | 1,824 |
| Average total loans | $164,455,670 | 2,482 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2024% | 2,463 |
| Cost of funding earning assets | 0.5423% | 1,776 |
| Net interest margin | 3.6601% | 2,849 |
| Noninterest income to average assets | 0.4706% | 3,338 |
| Noninterest expense to average assets | 2.0705% | 5,174 |
| Loan and lease loss provision to assets | 0.0645% | 2,666 |
| Net operating income to assets | 1.3364% | 1,167 |
| Return on assets (ROA) | 1.3364% | 1,250 |
| Pretax return on assets | 1.7747% | 887 |
| Return on Equity (ROE) | 9.8306% | 2,061 |
| Retained earnings to average equity (ytd only) | 9.6823% | 929 |
| Net charge-offs to loans | -0.0073% | 4,409 |
| Credit loss provision to net charge-offs | -1,600.0000% | 4,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9574% | 5,457 |
| Assets per employee ($millions) | 4.8479% | 2,513 |
| Cash dividends to net income (ytd only)* | 1.5091% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3497% | 2,660 |
| Loan loss allowance to noncurrent loans | 89.5958% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 1.7523% | 1,075 |
| Noncurrent loans to loans | 1.5064% | 1,553 |
| Net loans and leases to total assets | 54.4469% | 4,405 |
| Net loans and leases to deposits | 65.7081% | 4,285 |
| Net loans and leases to core deposits | 68.9892% | 4,322 |
| Total domestic deposits to total assets | 82.8618% | 3,945 |
| Equity capital to assets | 13.6645% | 1,109 |
| Core capital (leverage) ratio | 13.6714% | 920 |
| Tier 1 risk-based capital ratio | 19.0110% | 1,737 |
| Total risk-based capital ratio | 20.0765% | 1,743 |
| Memoranda: | ||
| Average total assets | $297,511,500 | 2,203 |
| Average earning assets | $279,554,500 | 2,185 |
| Average equity | $40,445,000 | 1,826 |
| Average total loans | $163,560,500 | 2,487 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1888% | 2,597 |
| Cost of funding earning assets | 0.5973% | 1,376 |
| Net interest margin | 3.5915% | 3,173 |
| Noninterest income to average assets | 0.4729% | 3,511 |
| Noninterest expense to average assets | 2.2775% | 4,851 |
| Loan and lease loss provision to assets | -0.0237% | 5,673 |
| Net operating income to assets | 1.2244% | 1,471 |
| Return on assets (ROA) | 1.2244% | 1,530 |
| Pretax return on assets | 1.5872% | 1,288 |
| Return on Equity (ROE) | 9.3498% | 2,292 |
| Retained earnings to average equity (ytd only) | 6.4458% | 1,568 |
| Net charge-offs to loans | -0.0044% | 4,952 |
| Credit loss provision to net charge-offs | 1,000.0000% | 332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2941% | 4,996 |
| Assets per employee ($millions) | 4.7493% | 2,669 |
| Cash dividends to net income (ytd only)* | 31.0602% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3577% | 2,631 |
| Loan loss allowance to noncurrent loans | 124.5165% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 1.5371% | 1,301 |
| Noncurrent loans to loans | 1.0904% | 2,158 |
| Net loans and leases to total assets | 54.0127% | 4,500 |
| Net loans and leases to deposits | 63.9961% | 4,469 |
| Net loans and leases to core deposits | 67.5560% | 4,476 |
| Total domestic deposits to total assets | 84.4000% | 3,331 |
| Equity capital to assets | 13.5229% | 1,118 |
| Core capital (leverage) ratio | 13.4941% | 969 |
| Tier 1 risk-based capital ratio | 18.9065% | 1,722 |
| Total risk-based capital ratio | 19.9685% | 1,725 |
| Memoranda: | ||
| Average total assets | $295,811,800 | 2,172 |
| Average earning assets | $277,406,600 | 2,155 |
| Average equity | $38,738,600 | 1,856 |
| Average total loans | $159,954,200 | 2,471 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2134% | 2,530 |
| Cost of funding earning assets | 0.6104% | 1,340 |
| Net interest margin | 3.6030% | 3,147 |
| Noninterest income to average assets | 0.4592% | 3,649 |
| Noninterest expense to average assets | 2.2470% | 4,916 |
| Loan and lease loss provision to assets | 0.0581% | 3,026 |
| Net operating income to assets | 1.1890% | 1,683 |
| Return on assets (ROA) | 1.1890% | 1,749 |
| Pretax return on assets | 1.5316% | 1,595 |
| Return on Equity (ROE) | 9.1536% | 2,493 |
| Retained earnings to average equity (ytd only) | 7.5246% | 1,432 |
| Net charge-offs to loans | -0.0827% | 5,723 |
| Credit loss provision to net charge-offs | -130.3030% | 5,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5661% | 5,055 |
| Assets per employee ($millions) | 4.8698% | 2,459 |
| Cash dividends to net income (ytd only)* | 17.7962% | 3,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5391% | 2,001 |
| Loan loss allowance to noncurrent loans | 155.4859% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 1.5535% | 1,436 |
| Noncurrent loans to loans | 0.9898% | 2,515 |
| Net loans and leases to total assets | 54.3002% | 4,539 |
| Net loans and leases to deposits | 64.2461% | 4,537 |
| Net loans and leases to core deposits | 69.7203% | 4,399 |
| Total domestic deposits to total assets | 84.5191% | 3,213 |
| Equity capital to assets | 13.5236% | 1,216 |
| Core capital (leverage) ratio | 13.2333% | 1,116 |
| Tier 1 risk-based capital ratio | 19.1603% | 1,732 |
| Total risk-based capital ratio | 20.3899% | 1,704 |
| Memoranda: | ||
| Average total assets | $296,151,000 | 2,184 |
| Average earning assets | $277,613,250 | 2,163 |
| Average equity | $38,468,500 | 1,884 |
| Average total loans | $159,634,750 | 2,479 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1773% | 2,628 |
| Cost of funding earning assets | 0.6174% | 1,300 |
| Net interest margin | 3.5600% | 3,247 |
| Noninterest income to average assets | 0.4323% | 3,836 |
| Noninterest expense to average assets | 2.2032% | 5,106 |
| Loan and lease loss provision to assets | 0.0645% | 2,826 |
| Net operating income to assets | 1.1712% | 1,696 |
| Return on assets (ROA) | 1.1712% | 1,768 |
| Pretax return on assets | 1.5027% | 1,647 |
| Return on Equity (ROE) | 9.1396% | 2,464 |
| Retained earnings to average equity (ytd only) | 6.6737% | 1,862 |
| Net charge-offs to loans | 0.1382% | 1,672 |
| Credit loss provision to net charge-offs | 87.2727% | 2,240 |
| Earnings coverage of net charge-offs (x) | 21.1909% | 1,682 |
| Efficiency ratio | 58.4344% | 5,170 |
| Assets per employee ($millions) | 4.7983% | 2,543 |
| Cash dividends to net income (ytd only)* | 26.9805% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4198% | 2,664 |
| Loan loss allowance to noncurrent loans | 122.2283% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 1.5723% | 1,541 |
| Noncurrent loans to loans | 1.1616% | 2,327 |
| Net loans and leases to total assets | 53.0906% | 4,649 |
| Net loans and leases to deposits | 63.0261% | 4,616 |
| Net loans and leases to core deposits | 66.7113% | 4,597 |
| Total domestic deposits to total assets | 84.2359% | 3,472 |
| Equity capital to assets | 13.0890% | 1,354 |
| Core capital (leverage) ratio | 12.8942% | 1,213 |
| Tier 1 risk-based capital ratio | 18.8915% | 1,812 |
| Total risk-based capital ratio | 20.0116% | 1,821 |
| Memoranda: | ||
| Average total assets | $297,473,000 | 2,191 |
| Average earning assets | $278,933,670 | 2,170 |
| Average equity | $38,120,000 | 1,905 |
| Average total loans | $159,134,000 | 2,490 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0861% | 2,891 |
| Cost of funding earning assets | 0.6274% | 1,248 |
| Net interest margin | 3.4587% | 3,590 |
| Noninterest income to average assets | 0.4121% | 3,905 |
| Noninterest expense to average assets | 2.1966% | 5,160 |
| Loan and lease loss provision to assets | 0.0640% | 2,648 |
| Net operating income to assets | 1.1003% | 1,870 |
| Return on assets (ROA) | 1.1003% | 1,979 |
| Pretax return on assets | 1.3937% | 1,906 |
| Return on Equity (ROE) | 8.6786% | 2,610 |
| Retained earnings to average equity (ytd only) | 8.6786% | 1,315 |
| Net charge-offs to loans | 0.0325% | 2,541 |
| Credit loss provision to net charge-offs | 369.2308% | 708 |
| Earnings coverage of net charge-offs (x) | 84.0769% | 571 |
| Efficiency ratio | 60.1095% | 5,082 |
| Assets per employee ($millions) | 4.9897% | 2,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4550% | 2,650 |
| Loan loss allowance to noncurrent loans | 113.3300% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 1.5839% | 1,625 |
| Noncurrent loans to loans | 1.2839% | 2,234 |
| Net loans and leases to total assets | 51.7386% | 4,684 |
| Net loans and leases to deposits | 61.7793% | 4,593 |
| Net loans and leases to core deposits | 65.6646% | 4,549 |
| Total domestic deposits to total assets | 83.7474% | 3,910 |
| Equity capital to assets | 12.9130% | 1,444 |
| Core capital (leverage) ratio | 12.4976% | 1,365 |
| Tier 1 risk-based capital ratio | 19.6395% | 1,703 |
| Total risk-based capital ratio | 20.8516% | 1,675 |
| Memoranda: | ||
| Average total assets | $299,921,000 | 2,195 |
| Average earning assets | $281,146,000 | 2,167 |
| Average equity | $38,024,500 | 1,926 |
| Average total loans | $159,872,000 | 2,492 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1981% | 2,963 |
| Cost of funding earning assets | 0.6613% | 1,330 |
| Net interest margin | 3.5368% | 3,657 |
| Noninterest income to average assets | 0.4348% | 3,932 |
| Noninterest expense to average assets | 2.2500% | 5,242 |
| Loan and lease loss provision to assets | -0.0324% | 5,979 |
| Net operating income to assets | 1.1872% | 1,626 |
| Return on assets (ROA) | 1.1903% | 1,684 |
| Pretax return on assets | 1.5473% | 1,395 |
| Return on Equity (ROE) | 10.0932% | 2,077 |
| Retained earnings to average equity (ytd only) | 7.3462% | 1,253 |
| Net charge-offs to loans | -0.0610% | 5,996 |
| Credit loss provision to net charge-offs | 102.1053% | 2,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8259% | 5,245 |
| Assets per employee ($millions) | 4.6947% | 2,732 |
| Cash dividends to net income (ytd only)* | 27.2166% | 3,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3853% | 3,018 |
| Loan loss allowance to noncurrent loans | 114.8394% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 1.5393% | 1,765 |
| Noncurrent loans to loans | 1.2063% | 2,436 |
| Net loans and leases to total assets | 53.3545% | 4,655 |
| Net loans and leases to deposits | 63.7951% | 4,545 |
| Net loans and leases to core deposits | 67.2997% | 4,570 |
| Total domestic deposits to total assets | 83.6342% | 3,870 |
| Equity capital to assets | 12.4442% | 1,680 |
| Core capital (leverage) ratio | 12.2424% | 1,482 |
| Tier 1 risk-based capital ratio | 18.8471% | 1,892 |
| Total risk-based capital ratio | 20.0107% | 1,883 |
| Memoranda: | ||
| Average total assets | $299,425,800 | 2,161 |
| Average earning assets | $281,581,800 | 2,112 |
| Average equity | $35,310,800 | 1,980 |
| Average total loans | $155,805,600 | 2,482 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1564% | 3,146 |
| Cost of funding earning assets | 0.6597% | 1,393 |
| Net interest margin | 3.4966% | 3,850 |
| Noninterest income to average assets | 0.4042% | 4,214 |
| Noninterest expense to average assets | 2.2431% | 5,245 |
| Loan and lease loss provision to assets | 0.0419% | 3,561 |
| Net operating income to assets | 1.1051% | 2,004 |
| Return on assets (ROA) | 1.1093% | 2,053 |
| Pretax return on assets | 1.4150% | 1,948 |
| Return on Equity (ROE) | 9.5386% | 2,432 |
| Retained earnings to average equity (ytd only) | 7.8333% | 1,433 |
| Net charge-offs to loans | 0.0787% | 3,079 |
| Credit loss provision to net charge-offs | 103.2967% | 2,138 |
| Earnings coverage of net charge-offs (x) | 35.7913% | 1,210 |
| Efficiency ratio | 60.7117% | 5,086 |
| Assets per employee ($millions) | 4.7501% | 2,594 |
| Cash dividends to net income (ytd only)* | 17.8787% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4768% | 2,833 |
| Loan loss allowance to noncurrent loans | 125.7939% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 1.7156% | 1,750 |
| Noncurrent loans to loans | 1.1740% | 2,714 |
| Net loans and leases to total assets | 50.3377% | 4,967 |
| Net loans and leases to deposits | 59.8268% | 4,958 |
| Net loans and leases to core deposits | 63.8033% | 4,896 |
| Total domestic deposits to total assets | 84.1391% | 3,705 |
| Equity capital to assets | 12.2346% | 1,884 |
| Core capital (leverage) ratio | 12.1109% | 1,632 |
| Tier 1 risk-based capital ratio | 19.1454% | 1,871 |
| Total risk-based capital ratio | 20.3488% | 1,846 |
| Memoranda: | ||
| Average total assets | $299,166,750 | 2,180 |
| Average earning assets | $281,520,500 | 2,130 |
| Average equity | $34,791,000 | 2,015 |
| Average total loans | $154,116,500 | 2,514 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1491% | 3,155 |
| Cost of funding earning assets | 0.6503% | 1,515 |
| Net interest margin | 3.4988% | 3,794 |
| Noninterest income to average assets | 0.3985% | 4,255 |
| Noninterest expense to average assets | 2.2304% | 5,344 |
| Loan and lease loss provision to assets | 0.0602% | 3,069 |
| Net operating income to assets | 1.0972% | 1,956 |
| Return on assets (ROA) | 1.0972% | 2,016 |
| Pretax return on assets | 1.3994% | 1,891 |
| Return on Equity (ROE) | 9.6011% | 2,325 |
| Retained earnings to average equity (ytd only) | 6.9975% | 1,779 |
| Net charge-offs to loans | 0.0052% | 4,205 |
| Credit loss provision to net charge-offs | 2,250.0000% | 162 |
| Earnings coverage of net charge-offs (x) | 545.7500% | 129 |
| Efficiency ratio | 60.4457% | 5,230 |
| Assets per employee ($millions) | 4.8228% | 2,440 |
| Cash dividends to net income (ytd only)* | 27.1176% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5278% | 2,764 |
| Loan loss allowance to noncurrent loans | 69.3744% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 2.2558% | 1,334 |
| Noncurrent loans to loans | 2.2023% | 1,482 |
| Net loans and leases to total assets | 50.4384% | 4,914 |
| Net loans and leases to deposits | 59.7555% | 4,885 |
| Net loans and leases to core deposits | 62.8244% | 4,914 |
| Total domestic deposits to total assets | 84.4080% | 3,769 |
| Equity capital to assets | 11.8754% | 2,081 |
| Core capital (leverage) ratio | 12.0662% | 1,621 |
| Tier 1 risk-based capital ratio | 19.1556% | 1,889 |
| Total risk-based capital ratio | 20.4057% | 1,846 |
| Memoranda: | ||
| Average total assets | $299,136,670 | 2,182 |
| Average earning assets | $281,408,670 | 2,129 |
| Average equity | $34,183,670 | 2,033 |
| Average total loans | $154,523,000 | 2,509 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1943% | 2,903 |
| Cost of funding earning assets | 0.6557% | 1,551 |
| Net interest margin | 3.5387% | 3,529 |
| Noninterest income to average assets | 0.3717% | 4,418 |
| Noninterest expense to average assets | 2.2874% | 5,225 |
| Loan and lease loss provision to assets | 0.0602% | 2,900 |
| Net operating income to assets | 1.0668% | 1,944 |
| Return on assets (ROA) | 1.0668% | 2,014 |
| Pretax return on assets | 1.3503% | 1,914 |
| Return on Equity (ROE) | 9.5224% | 2,242 |
| Retained earnings to average equity (ytd only) | 9.5224% | 1,099 |
| Net charge-offs to loans | -0.0335% | 5,626 |
| Credit loss provision to net charge-offs | -346.1538% | 5,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8583% | 5,145 |
| Assets per employee ($millions) | 4.7883% | 2,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5049% | 3,128 |
| Loan loss allowance to noncurrent loans | 61.8347% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 2.4910% | 1,283 |
| Noncurrent loans to loans | 2.4337% | 1,438 |
| Net loans and leases to total assets | 51.8077% | 4,695 |
| Net loans and leases to deposits | 61.1515% | 4,647 |
| Net loans and leases to core deposits | 64.6260% | 4,634 |
| Total domestic deposits to total assets | 84.7203% | 3,989 |
| Equity capital to assets | 11.7976% | 2,011 |
| Core capital (leverage) ratio | 11.5997% | 1,896 |
| Tier 1 risk-based capital ratio | 18.8830% | 2,000 |
| Total risk-based capital ratio | 20.1333% | 1,963 |
| Memoranda: | ||
| Average total assets | $299,199,000 | 2,184 |
| Average earning assets | $281,236,000 | 2,137 |
| Average equity | $33,521,000 | 2,057 |
| Average total loans | $155,206,000 | 2,520 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0305% | 3,980 |
| Cost of funding earning assets | 0.7084% | 1,752 |
| Net interest margin | 3.3221% | 4,583 |
| Noninterest income to average assets | 0.4593% | 4,023 |
| Noninterest expense to average assets | 2.3035% | 5,377 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0130% | 2,273 |
| Return on assets (ROA) | 1.0153% | 2,323 |
| Pretax return on assets | 1.2972% | 2,168 |
| Return on Equity (ROE) | 9.0725% | 2,500 |
| Retained earnings to average equity (ytd only) | 5.9052% | 2,033 |
| Net charge-offs to loans | 0.2107% | 2,779 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 12.3859% | 2,127 |
| Efficiency ratio | 64.0269% | 4,889 |
| Assets per employee ($millions) | 4.9405% | 2,251 |
| Cash dividends to net income (ytd only)* | 34.9107% | 3,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4377% | 3,479 |
| Loan loss allowance to noncurrent loans | 72.2436% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 2.1811% | 1,640 |
| Noncurrent loans to loans | 1.9901% | 1,998 |
| Net loans and leases to total assets | 50.4463% | 5,035 |
| Net loans and leases to deposits | 58.6505% | 5,064 |
| Net loans and leases to core deposits | 61.8854% | 5,073 |
| Total domestic deposits to total assets | 86.0116% | 3,250 |
| Equity capital to assets | 10.6372% | 2,994 |
| Core capital (leverage) ratio | 11.5078% | 1,958 |
| Tier 1 risk-based capital ratio | 18.0776% | 2,224 |
| Total risk-based capital ratio | 19.2804% | 2,206 |
| Memoranda: | ||
| Average total assets | $297,637,200 | 2,158 |
| Average earning assets | $281,180,000 | 2,103 |
| Average equity | $33,309,400 | 2,070 |
| Average total loans | $147,630,000 | 2,589 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9817% | 4,206 |
| Cost of funding earning assets | 0.7195% | 1,816 |
| Net interest margin | 3.2622% | 4,782 |
| Noninterest income to average assets | 0.4684% | 4,008 |
| Noninterest expense to average assets | 2.3641% | 5,134 |
| Loan and lease loss provision to assets | 0.0564% | 3,927 |
| Net operating income to assets | 0.9141% | 2,759 |
| Return on assets (ROA) | 0.9174% | 2,848 |
| Pretax return on assets | 1.1371% | 2,959 |
| Return on Equity (ROE) | 8.0935% | 3,075 |
| Retained earnings to average equity (ytd only) | 6.8992% | 1,927 |
| Net charge-offs to loans | 0.1165% | 3,383 |
| Credit loss provision to net charge-offs | 98.4252% | 2,423 |
| Earnings coverage of net charge-offs (x) | 20.7558% | 1,574 |
| Efficiency ratio | 66.5270% | 4,393 |
| Assets per employee ($millions) | 4.6906% | 2,596 |
| Cash dividends to net income (ytd only)* | 14.7565% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6542% | 2,786 |
| Loan loss allowance to noncurrent loans | 81.8385% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 2.3781% | 1,648 |
| Noncurrent loans to loans | 2.0213% | 2,225 |
| Net loans and leases to total assets | 52.4170% | 4,822 |
| Net loans and leases to deposits | 61.4988% | 4,817 |
| Net loans and leases to core deposits | 65.1154% | 4,793 |
| Total domestic deposits to total assets | 85.2326% | 3,620 |
| Equity capital to assets | 11.2188% | 2,543 |
| Core capital (leverage) ratio | 11.5082% | 2,035 |
| Tier 1 risk-based capital ratio | 18.0961% | 2,287 |
| Total risk-based capital ratio | 19.3478% | 2,252 |
| Memoranda: | ||
| Average total assets | $295,468,500 | 2,184 |
| Average earning assets | $279,436,000 | 2,125 |
| Average equity | $33,491,000 | 2,077 |
| Average total loans | $145,343,250 | 2,644 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8604% | 4,618 |
| Cost of funding earning assets | 0.7165% | 1,949 |
| Net interest margin | 3.1439% | 5,145 |
| Noninterest income to average assets | 0.4653% | 4,058 |
| Noninterest expense to average assets | 2.3399% | 5,244 |
| Loan and lease loss provision to assets | 0.0842% | 3,389 |
| Net operating income to assets | 0.8374% | 3,112 |
| Return on assets (ROA) | 0.8424% | 3,238 |
| Pretax return on assets | 1.0316% | 3,367 |
| Return on Equity (ROE) | 7.4069% | 3,390 |
| Retained earnings to average equity (ytd only) | 5.6307% | 2,656 |
| Net charge-offs to loans | 0.1562% | 2,850 |
| Credit loss provision to net charge-offs | 112.6126% | 1,966 |
| Earnings coverage of net charge-offs (x) | 14.8468% | 1,791 |
| Efficiency ratio | 67.8313% | 4,211 |
| Assets per employee ($millions) | 4.6426% | 2,590 |
| Cash dividends to net income (ytd only)* | 23.9808% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8250% | 2,349 |
| Loan loss allowance to noncurrent loans | 73.3713% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 2.5430% | 1,658 |
| Noncurrent loans to loans | 2.4873% | 1,868 |
| Net loans and leases to total assets | 46.6933% | 5,455 |
| Net loans and leases to deposits | 54.5936% | 5,469 |
| Net loans and leases to core deposits | 58.1110% | 5,412 |
| Total domestic deposits to total assets | 85.5289% | 3,627 |
| Equity capital to assets | 11.0442% | 2,708 |
| Core capital (leverage) ratio | 11.2179% | 2,159 |
| Tier 1 risk-based capital ratio | 18.9881% | 1,996 |
| Total risk-based capital ratio | 20.2408% | 1,959 |
| Memoranda: | ||
| Average total assets | $297,019,330 | 2,182 |
| Average earning assets | $281,939,330 | 2,114 |
| Average equity | $33,779,330 | 2,066 |
| Average total loans | $142,124,000 | 2,685 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8068% | 4,805 |
| Cost of funding earning assets | 0.7139% | 2,103 |
| Net interest margin | 3.0929% | 5,285 |
| Noninterest income to average assets | 0.4634% | 4,031 |
| Noninterest expense to average assets | 2.3666% | 5,209 |
| Loan and lease loss provision to assets | 0.1010% | 2,992 |
| Net operating income to assets | 0.7686% | 3,339 |
| Return on assets (ROA) | 0.7785% | 3,422 |
| Pretax return on assets | 0.9550% | 3,546 |
| Return on Equity (ROE) | 6.7481% | 3,624 |
| Retained earnings to average equity (ytd only) | 6.7481% | 2,283 |
| Net charge-offs to loans | -0.0028% | 5,187 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3918% | 4,080 |
| Assets per employee ($millions) | 4.6429% | 2,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9312% | 2,220 |
| Loan loss allowance to noncurrent loans | 64.4461% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 2.4331% | 1,901 |
| Noncurrent loans to loans | 2.9966% | 1,674 |
| Net loans and leases to total assets | 45.8513% | 5,452 |
| Net loans and leases to deposits | 54.2008% | 5,418 |
| Net loans and leases to core deposits | 57.0100% | 5,434 |
| Total domestic deposits to total assets | 84.5953% | 4,226 |
| Equity capital to assets | 11.7408% | 2,224 |
| Core capital (leverage) ratio | 11.1249% | 2,157 |
| Tier 1 risk-based capital ratio | 19.5967% | 1,883 |
| Total risk-based capital ratio | 20.8508% | 1,859 |
| Memoranda: | ||
| Average total assets | $296,967,000 | 2,209 |
| Average earning assets | $282,970,500 | 2,134 |
| Average equity | $34,261,500 | 2,058 |
| Average total loans | $142,528,000 | 2,686 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3586% | 3,992 |
| Cost of funding earning assets | 0.8711% | 2,132 |
| Net interest margin | 3.4876% | 4,542 |
| Noninterest income to average assets | 0.4286% | 4,391 |
| Noninterest expense to average assets | 2.3551% | 5,546 |
| Loan and lease loss provision to assets | 0.1437% | 3,811 |
| Net operating income to assets | 0.9517% | 2,536 |
| Return on assets (ROA) | 0.9517% | 2,789 |
| Pretax return on assets | 1.2699% | 2,523 |
| Return on Equity (ROE) | 8.0198% | 3,067 |
| Retained earnings to average equity (ytd only) | 2.5321% | 4,441 |
| Net charge-offs to loans | 1.2353% | 809 |
| Credit loss provision to net charge-offs | 21.3235% | 5,270 |
| Earnings coverage of net charge-offs (x) | 2.0977% | 4,364 |
| Efficiency ratio | 62.4906% | 5,167 |
| Assets per employee ($millions) | 4.7846% | 2,518 |
| Cash dividends to net income (ytd only)* | 68.4269% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7303% | 2,818 |
| Loan loss allowance to noncurrent loans | 62.4027% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 2.3979% | 2,045 |
| Noncurrent loans to loans | 2.7728% | 1,903 |
| Net loans and leases to total assets | 48.3469% | 5,373 |
| Net loans and leases to deposits | 57.7199% | 5,276 |
| Net loans and leases to core deposits | 61.3388% | 5,230 |
| Total domestic deposits to total assets | 83.7612% | 4,415 |
| Equity capital to assets | 11.3395% | 2,593 |
| Core capital (leverage) ratio | 11.2306% | 2,065 |
| Tier 1 risk-based capital ratio | 19.2064% | 1,897 |
| Total risk-based capital ratio | 20.4366% | 1,883 |
| Memoranda: | ||
| Average total assets | $282,535,000 | 2,248 |
| Average earning assets | $270,589,000 | 2,154 |
| Average equity | $33,529,600 | 2,059 |
| Average total loans | $154,137,400 | 2,514 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4799% | 3,718 |
| Cost of funding earning assets | 0.9017% | 2,159 |
| Net interest margin | 3.5782% | 4,328 |
| Noninterest income to average assets | 0.4262% | 4,429 |
| Noninterest expense to average assets | 2.3781% | 5,465 |
| Loan and lease loss provision to assets | 0.2904% | 2,258 |
| Net operating income to assets | 0.8932% | 3,014 |
| Return on assets (ROA) | 0.8932% | 3,248 |
| Pretax return on assets | 1.1821% | 3,053 |
| Return on Equity (ROE) | 7.4364% | 3,568 |
| Retained earnings to average equity (ytd only) | 5.6782% | 2,908 |
| Net charge-offs to loans | 0.1020% | 4,374 |
| Credit loss provision to net charge-offs | 508.4034% | 525 |
| Earnings coverage of net charge-offs (x) | 25.7819% | 1,234 |
| Efficiency ratio | 61.7599% | 5,191 |
| Assets per employee ($millions) | 4.4466% | 3,002 |
| Cash dividends to net income (ytd only)* | 23.6431% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9177% | 786 |
| Loan loss allowance to noncurrent loans | 68.5400% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 3.2338% | 1,589 |
| Noncurrent loans to loans | 4.2569% | 1,150 |
| Net loans and leases to total assets | 54.0325% | 4,742 |
| Net loans and leases to deposits | 65.5710% | 4,526 |
| Net loans and leases to core deposits | 69.6429% | 4,542 |
| Total domestic deposits to total assets | 82.4031% | 4,873 |
| Equity capital to assets | 12.3201% | 2,020 |
| Core capital (leverage) ratio | 11.7771% | 1,785 |
| Tier 1 risk-based capital ratio | 19.0537% | 1,994 |
| Total risk-based capital ratio | 20.3213% | 1,959 |
| Memoranda: | ||
| Average total assets | $277,810,750 | 2,313 |
| Average earning assets | $265,863,250 | 2,221 |
| Average equity | $33,366,750 | 2,082 |
| Average total loans | $155,597,000 | 2,527 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4956% | 3,787 |
| Cost of funding earning assets | 0.9272% | 2,208 |
| Net interest margin | 3.5684% | 4,389 |
| Noninterest income to average assets | 0.4404% | 4,365 |
| Noninterest expense to average assets | 2.3925% | 5,484 |
| Loan and lease loss provision to assets | 0.4353% | 1,491 |
| Net operating income to assets | 0.7847% | 3,449 |
| Return on assets (ROA) | 0.7847% | 3,710 |
| Pretax return on assets | 1.0244% | 3,618 |
| Return on Equity (ROE) | 6.5909% | 3,998 |
| Retained earnings to average equity (ytd only) | 4.1656% | 3,835 |
| Net charge-offs to loans | 0.0026% | 5,480 |
| Credit loss provision to net charge-offs | 30,150.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 1,011.0000% | 31 |
| Efficiency ratio | 62.1064% | 5,232 |
| Assets per employee ($millions) | 4.4282% | 3,039 |
| Cash dividends to net income (ytd only)* | 36.7985% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0603% | 735 |
| Loan loss allowance to noncurrent loans | 66.4198% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 3.4329% | 1,559 |
| Noncurrent loans to loans | 4.6076% | 1,135 |
| Net loans and leases to total assets | 52.9567% | 4,966 |
| Net loans and leases to deposits | 64.6110% | 4,685 |
| Net loans and leases to core deposits | 67.9160% | 4,798 |
| Total domestic deposits to total assets | 81.9623% | 5,150 |
| Equity capital to assets | 12.0272% | 2,130 |
| Core capital (leverage) ratio | 11.7041% | 1,783 |
| Tier 1 risk-based capital ratio | 19.1764% | 1,917 |
| Total risk-based capital ratio | 20.4460% | 1,889 |
| Memoranda: | ||
| Average total assets | $277,036,000 | 2,318 |
| Average earning assets | $264,878,670 | 2,225 |
| Average equity | $32,984,670 | 2,086 |
| Average total loans | $155,491,670 | 2,529 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5096% | 3,873 |
| Cost of funding earning assets | 0.9927% | 2,025 |
| Net interest margin | 3.5169% | 4,604 |
| Noninterest income to average assets | 0.4086% | 4,611 |
| Noninterest expense to average assets | 2.4414% | 5,336 |
| Loan and lease loss provision to assets | 0.4376% | 1,428 |
| Net operating income to assets | 0.6911% | 3,926 |
| Return on assets (ROA) | 0.6911% | 4,147 |
| Pretax return on assets | 0.8867% | 4,079 |
| Return on Equity (ROE) | 5.8348% | 4,385 |
| Retained earnings to average equity (ytd only) | 5.8348% | 3,055 |
| Net charge-offs to loans | 0.0408% | 4,129 |
| Credit loss provision to net charge-offs | 1,887.5000% | 176 |
| Earnings coverage of net charge-offs (x) | 57.1250% | 569 |
| Efficiency ratio | 64.8326% | 4,771 |
| Assets per employee ($millions) | 4.3770% | 3,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7843% | 1,024 |
| Loan loss allowance to noncurrent loans | 60.7657% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 3.6283% | 1,565 |
| Noncurrent loans to loans | 4.5820% | 1,255 |
| Net loans and leases to total assets | 55.0672% | 4,542 |
| Net loans and leases to deposits | 68.1249% | 4,039 |
| Net loans and leases to core deposits | 71.4120% | 4,234 |
| Total domestic deposits to total assets | 80.8328% | 5,650 |
| Equity capital to assets | 11.9571% | 2,076 |
| Core capital (leverage) ratio | 11.5985% | 1,837 |
| Tier 1 risk-based capital ratio | 18.7358% | 2,070 |
| Total risk-based capital ratio | 20.0024% | 2,036 |
| Memoranda: | ||
| Average total assets | $276,065,500 | 2,337 |
| Average earning assets | $263,525,500 | 2,251 |
| Average equity | $32,700,500 | 2,103 |
| Average total loans | $157,037,000 | 2,522 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0030% | 2,864 |
| Cost of funding earning assets | 1.1714% | 2,211 |
| Net interest margin | 3.8315% | 3,664 |
| Noninterest income to average assets | 0.5176% | 3,738 |
| Noninterest expense to average assets | 2.7824% | 4,410 |
| Loan and lease loss provision to assets | 0.5742% | 1,807 |
| Net operating income to assets | 0.6124% | 3,935 |
| Return on assets (ROA) | 0.6181% | 4,094 |
| Pretax return on assets | 0.8023% | 3,973 |
| Return on Equity (ROE) | 4.9074% | 4,436 |
| Retained earnings to average equity (ytd only) | 1.8831% | 4,863 |
| Net charge-offs to loans | -0.1278% | 7,162 |
| Credit loss provision to net charge-offs | -753.6082% | 6,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0230% | 4,571 |
| Assets per employee ($millions) | 4.2520% | 3,359 |
| Cash dividends to net income (ytd only)* | 61.6264% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5735% | 1,220 |
| Loan loss allowance to noncurrent loans | 71.5065% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 3.1008% | 1,929 |
| Noncurrent loans to loans | 3.5990% | 1,774 |
| Net loans and leases to total assets | 55.6529% | 4,772 |
| Net loans and leases to deposits | 68.9157% | 4,290 |
| Net loans and leases to core deposits | 73.3221% | 4,335 |
| Total domestic deposits to total assets | 80.7551% | 5,527 |
| Equity capital to assets | 11.7335% | 2,317 |
| Core capital (leverage) ratio | 11.9389% | 1,633 |
| Tier 1 risk-based capital ratio | 18.5713% | 2,025 |
| Total risk-based capital ratio | 19.8358% | 1,988 |
| Memoranda: | ||
| Average total assets | $254,636,200 | 2,476 |
| Average earning assets | $241,497,200 | 2,390 |
| Average equity | $32,074,200 | 2,071 |
| Average total loans | $151,765,000 | 2,618 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0909% | 2,643 |
| Cost of funding earning assets | 1.2159% | 2,215 |
| Net interest margin | 3.8750% | 3,498 |
| Noninterest income to average assets | 0.5142% | 3,766 |
| Noninterest expense to average assets | 2.7281% | 4,622 |
| Loan and lease loss provision to assets | 0.8892% | 1,018 |
| Net operating income to assets | 0.4523% | 4,764 |
| Return on assets (ROA) | 0.4596% | 4,918 |
| Pretax return on assets | 0.5719% | 4,903 |
| Return on Equity (ROE) | 3.5807% | 5,179 |
| Retained earnings to average equity (ytd only) | 1.4131% | 5,441 |
| Net charge-offs to loans | 0.1997% | 4,202 |
| Credit loss provision to net charge-offs | 738.6667% | 370 |
| Earnings coverage of net charge-offs (x) | 12.0623% | 1,746 |
| Efficiency ratio | 65.2630% | 4,856 |
| Assets per employee ($millions) | 3.9289% | 4,012 |
| Cash dividends to net income (ytd only)* | 60.5361% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4525% | 1,462 |
| Loan loss allowance to noncurrent loans | 64.4750% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 3.9157% | 1,575 |
| Noncurrent loans to loans | 3.8038% | 1,777 |
| Net loans and leases to total assets | 59.8694% | 4,152 |
| Net loans and leases to deposits | 75.5410% | 3,403 |
| Net loans and leases to core deposits | 79.5963% | 3,697 |
| Total domestic deposits to total assets | 79.2541% | 5,934 |
| Equity capital to assets | 12.7930% | 1,723 |
| Core capital (leverage) ratio | 12.1930% | 1,598 |
| Tier 1 risk-based capital ratio | 17.4644% | 2,458 |
| Total risk-based capital ratio | 18.7261% | 2,426 |
| Memoranda: | ||
| Average total assets | $249,200,500 | 2,540 |
| Average earning assets | $235,762,250 | 2,453 |
| Average equity | $31,985,500 | 2,075 |
| Average total loans | $150,237,250 | 2,655 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0655% | 2,855 |
| Cost of funding earning assets | 1.2326% | 2,365 |
| Net interest margin | 3.8330% | 3,629 |
| Noninterest income to average assets | 0.4839% | 3,991 |
| Noninterest expense to average assets | 2.7458% | 4,643 |
| Loan and lease loss provision to assets | 0.4046% | 2,406 |
| Net operating income to assets | 0.7164% | 3,465 |
| Return on assets (ROA) | 0.7170% | 3,570 |
| Pretax return on assets | 0.9582% | 3,397 |
| Return on Equity (ROE) | 5.5799% | 4,166 |
| Retained earnings to average equity (ytd only) | 2.3050% | 4,825 |
| Net charge-offs to loans | 0.2499% | 3,630 |
| Credit loss provision to net charge-offs | 270.2703% | 1,126 |
| Earnings coverage of net charge-offs (x) | 9.0973% | 1,965 |
| Efficiency ratio | 66.8440% | 4,719 |
| Assets per employee ($millions) | 3.8788% | 4,045 |
| Cash dividends to net income (ytd only)* | 58.6907% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8078% | 2,963 |
| Loan loss allowance to noncurrent loans | 52.2557% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 3.6566% | 1,790 |
| Noncurrent loans to loans | 3.4596% | 2,046 |
| Net loans and leases to total assets | 58.6405% | 4,523 |
| Net loans and leases to deposits | 75.2813% | 3,600 |
| Net loans and leases to core deposits | 79.8385% | 3,806 |
| Total domestic deposits to total assets | 77.8951% | 6,305 |
| Equity capital to assets | 12.7784% | 1,631 |
| Core capital (leverage) ratio | 12.3879% | 1,409 |
| Tier 1 risk-based capital ratio | 18.0838% | 2,146 |
| Total risk-based capital ratio | 19.3381% | 2,097 |
| Memoranda: | ||
| Average total assets | $247,140,330 | 2,579 |
| Average earning assets | $233,658,000 | 2,491 |
| Average equity | $31,757,000 | 2,079 |
| Average total loans | $148,070,000 | 2,717 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0822% | 2,730 |
| Cost of funding earning assets | 1.2615% | 2,419 |
| Net interest margin | 3.8207% | 3,508 |
| Noninterest income to average assets | 0.4529% | 4,254 |
| Noninterest expense to average assets | 2.5032% | 5,536 |
| Loan and lease loss provision to assets | 0.4905% | 1,790 |
| Net operating income to assets | 0.7848% | 3,104 |
| Return on assets (ROA) | 0.7848% | 3,173 |
| Pretax return on assets | 1.0693% | 2,871 |
| Return on Equity (ROE) | 6.0900% | 3,855 |
| Retained earnings to average equity (ytd only) | 4.5041% | 3,470 |
| Net charge-offs to loans | 0.3760% | 2,567 |
| Credit loss provision to net charge-offs | 217.3913% | 1,388 |
| Earnings coverage of net charge-offs (x) | 6.9130% | 2,030 |
| Efficiency ratio | 61.6097% | 5,740 |
| Assets per employee ($millions) | 4.1208% | 3,594 |
| Cash dividends to net income (ytd only)* | 26.0417% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7472% | 3,187 |
| Loan loss allowance to noncurrent loans | 48.4992% | 5,089 |
| Noncurrent assets plus other real estate owned to assets | 3.7339% | 1,808 |
| Noncurrent loans to loans | 3.6025% | 2,061 |
| Net loans and leases to total assets | 57.4723% | 4,726 |
| Net loans and leases to deposits | 73.4395% | 3,855 |
| Net loans and leases to core deposits | 78.4206% | 3,964 |
| Total domestic deposits to total assets | 78.2579% | 6,345 |
| Equity capital to assets | 12.6551% | 1,547 |
| Core capital (leverage) ratio | 12.0961% | 1,510 |
| Tier 1 risk-based capital ratio | 18.1549% | 2,066 |
| Total risk-based capital ratio | 19.4081% | 2,034 |
| Memoranda: | ||
| Average total assets | $244,650,000 | 2,619 |
| Average earning assets | $231,162,000 | 2,530 |
| Average equity | $31,527,000 | 2,077 |
| Average total loans | $146,821,500 | 2,758 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5367% | 2,135 |
| Cost of funding earning assets | 1.4701% | 2,822 |
| Net interest margin | 4.0666% | 2,722 |
| Noninterest income to average assets | 0.5624% | 3,725 |
| Noninterest expense to average assets | 2.5008% | 5,792 |
| Loan and lease loss provision to assets | 1.0743% | 1,496 |
| Net operating income to assets | 0.5971% | 3,681 |
| Return on assets (ROA) | 0.5974% | 3,843 |
| Pretax return on assets | 0.7975% | 3,648 |
| Return on Equity (ROE) | 4.4510% | 4,321 |
| Retained earnings to average equity (ytd only) | 1.3749% | 4,857 |
| Net charge-offs to loans | 2.4492% | 768 |
| Credit loss provision to net charge-offs | 68.9003% | 5,895 |
| Earnings coverage of net charge-offs (x) | 1.2002% | 4,910 |
| Efficiency ratio | 57.1979% | 6,433 |
| Assets per employee ($millions) | 4.2488% | 3,294 |
| Cash dividends to net income (ytd only)* | 69.1114% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6418% | 3,421 |
| Loan loss allowance to noncurrent loans | 70.3184% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 3.2278% | 2,193 |
| Noncurrent loans to loans | 2.3348% | 3,185 |
| Net loans and leases to total assets | 60.6056% | 4,563 |
| Net loans and leases to deposits | 78.5192% | 3,429 |
| Net loans and leases to core deposits | 84.8150% | 3,480 |
| Total domestic deposits to total assets | 77.1857% | 6,453 |
| Equity capital to assets | 13.1312% | 1,329 |
| Core capital (leverage) ratio | 12.4705% | 1,327 |
| Tier 1 risk-based capital ratio | 17.4213% | 2,202 |
| Total risk-based capital ratio | 18.6728% | 2,168 |
| Memoranda: | ||
| Average total assets | $237,363,800 | 2,667 |
| Average earning assets | $222,371,000 | 2,603 |
| Average equity | $31,857,800 | 2,061 |
| Average total loans | $151,112,400 | 2,757 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5893% | 2,100 |
| Cost of funding earning assets | 1.5190% | 2,849 |
| Net interest margin | 4.0703% | 2,760 |
| Noninterest income to average assets | 0.5570% | 3,730 |
| Noninterest expense to average assets | 2.4365% | 5,924 |
| Loan and lease loss provision to assets | 1.0403% | 1,421 |
| Net operating income to assets | 0.6527% | 3,632 |
| Return on assets (ROA) | 0.6531% | 3,802 |
| Pretax return on assets | 0.8835% | 3,612 |
| Return on Equity (ROE) | 4.8398% | 4,376 |
| Retained earnings to average equity (ytd only) | 2.7365% | 4,515 |
| Net charge-offs to loans | 3.1905% | 460 |
| Credit loss provision to net charge-offs | 50.8098% | 5,868 |
| Earnings coverage of net charge-offs (x) | 0.9393% | 5,120 |
| Efficiency ratio | 55.8850% | 6,576 |
| Assets per employee ($millions) | 4.2269% | 3,392 |
| Cash dividends to net income (ytd only)* | 43.4599% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 5,670 |
| Loan loss allowance to noncurrent loans | 44.7856% | 5,285 |
| Noncurrent assets plus other real estate owned to assets | 2.7160% | 2,666 |
| Noncurrent loans to loans | 2.5872% | 3,040 |
| Net loans and leases to total assets | 63.6071% | 4,201 |
| Net loans and leases to deposits | 84.5090% | 2,616 |
| Net loans and leases to core deposits | 93.5877% | 2,578 |
| Total domestic deposits to total assets | 75.2666% | 6,772 |
| Equity capital to assets | 13.7127% | 1,273 |
| Core capital (leverage) ratio | 12.7307% | 1,321 |
| Tier 1 risk-based capital ratio | 16.8275% | 2,398 |
| Total risk-based capital ratio | 17.7956% | 2,498 |
| Memoranda: | ||
| Average total assets | $237,222,250 | 2,703 |
| Average earning assets | $221,632,000 | 2,650 |
| Average equity | $32,011,500 | 2,069 |
| Average total loans | $152,239,000 | 2,776 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5640% | 2,278 |
| Cost of funding earning assets | 1.5180% | 3,149 |
| Net interest margin | 4.0460% | 2,811 |
| Noninterest income to average assets | 0.5232% | 3,933 |
| Noninterest expense to average assets | 2.5072% | 5,694 |
| Loan and lease loss provision to assets | 1.3058% | 1,050 |
| Net operating income to assets | 0.3993% | 4,760 |
| Return on assets (ROA) | 0.3993% | 4,916 |
| Pretax return on assets | 0.4937% | 4,919 |
| Return on Equity (ROE) | 2.9753% | 5,240 |
| Retained earnings to average equity (ytd only) | 0.2762% | 5,645 |
| Net charge-offs to loans | 4.5332% | 254 |
| Credit loss provision to net charge-offs | 44.9275% | 5,522 |
| Earnings coverage of net charge-offs (x) | 0.6191% | 5,122 |
| Efficiency ratio | 58.2160% | 6,353 |
| Assets per employee ($millions) | 4.3849% | 3,074 |
| Cash dividends to net income (ytd only)* | 90.7173% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0956% | 5,960 |
| Loan loss allowance to noncurrent loans | 55.5667% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 2.1130% | 3,362 |
| Noncurrent loans to loans | 1.9718% | 3,762 |
| Net loans and leases to total assets | 62.0227% | 4,678 |
| Net loans and leases to deposits | 83.8602% | 2,889 |
| Net loans and leases to core deposits | 93.4372% | 2,801 |
| Total domestic deposits to total assets | 73.9596% | 6,977 |
| Equity capital to assets | 13.1551% | 1,497 |
| Core capital (leverage) ratio | 12.8217% | 1,272 |
| Tier 1 risk-based capital ratio | 17.2167% | 2,194 |
| Total risk-based capital ratio | 18.1656% | 2,269 |
| Memoranda: | ||
| Average total assets | $237,393,670 | 2,729 |
| Average earning assets | $221,997,670 | 2,661 |
| Average equity | $31,862,330 | 2,070 |
| Average total loans | $152,209,330 | 2,795 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7379% | 1,646 |
| Cost of funding earning assets | 1.5515% | 3,257 |
| Net interest margin | 4.1864% | 2,102 |
| Noninterest income to average assets | 0.4212% | 4,728 |
| Noninterest expense to average assets | 2.2912% | 6,404 |
| Loan and lease loss provision to assets | 0.4246% | 2,835 |
| Net operating income to assets | 1.1125% | 1,791 |
| Return on assets (ROA) | 1.1125% | 1,875 |
| Pretax return on assets | 1.5779% | 1,320 |
| Return on Equity (ROE) | 8.2053% | 2,781 |
| Retained earnings to average equity (ytd only) | 8.2053% | 1,622 |
| Net charge-offs to loans | 0.0891% | 4,525 |
| Credit loss provision to net charge-offs | 735.2941% | 618 |
| Earnings coverage of net charge-offs (x) | 34.6765% | 785 |
| Efficiency ratio | 53.3623% | 7,034 |
| Assets per employee ($millions) | 4.0651% | 3,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5031% | 1,288 |
| Loan loss allowance to noncurrent loans | 67.1591% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 2.6625% | 2,732 |
| Noncurrent loans to loans | 3.7270% | 2,135 |
| Net loans and leases to total assets | 64.5585% | 4,202 |
| Net loans and leases to deposits | 89.5728% | 1,972 |
| Net loans and leases to core deposits | 98.7044% | 2,272 |
| Total domestic deposits to total assets | 72.0738% | 7,258 |
| Equity capital to assets | 14.1709% | 1,100 |
| Core capital (leverage) ratio | 13.1702% | 1,167 |
| Tier 1 risk-based capital ratio | 17.8756% | 1,978 |
| Total risk-based capital ratio | 19.1372% | 1,943 |
| Memoranda: | ||
| Average total assets | $235,506,500 | 2,811 |
| Average earning assets | $217,850,000 | 2,765 |
| Average equity | $31,930,500 | 2,091 |
| Average total loans | $152,696,000 | 2,848 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8125% | 2,604 |
| Cost of funding earning assets | 1.7543% | 4,230 |
| Net interest margin | 4.0582% | 2,617 |
| Noninterest income to average assets | 0.5419% | 4,095 |
| Noninterest expense to average assets | 2.4795% | 6,207 |
| Loan and lease loss provision to assets | 1.0656% | 2,151 |
| Net operating income to assets | 0.5968% | 3,340 |
| Return on assets (ROA) | 0.6002% | 3,409 |
| Pretax return on assets | 0.7559% | 3,387 |
| Return on Equity (ROE) | 4.3990% | 3,927 |
| Retained earnings to average equity (ytd only) | 1.8489% | 3,802 |
| Net charge-offs to loans | 0.3598% | 4,430 |
| Credit loss provision to net charge-offs | 469.3487% | 657 |
| Earnings coverage of net charge-offs (x) | 8.0038% | 2,023 |
| Efficiency ratio | 57.7083% | 6,807 |
| Assets per employee ($millions) | 4.3459% | 3,201 |
| Cash dividends to net income (ytd only)* | 57.9710% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2999% | 1,483 |
| Loan loss allowance to noncurrent loans | 97.9620% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 1.6740% | 3,859 |
| Noncurrent loans to loans | 2.3478% | 3,233 |
| Net loans and leases to total assets | 62.0861% | 4,972 |
| Net loans and leases to deposits | 84.9802% | 3,093 |
| Net loans and leases to core deposits | 103.8888% | 3,584 |
| Total domestic deposits to total assets | 73.0595% | 7,144 |
| Equity capital to assets | 12.9852% | 1,512 |
| Core capital (leverage) ratio | 12.6798% | 1,362 |
| Tier 1 risk-based capital ratio | 16.9792% | 2,152 |
| Total risk-based capital ratio | 18.2387% | 2,119 |
| Memoranda: | ||
| Average total assets | $229,922,600 | 2,825 |
| Average earning assets | $212,729,600 | 2,800 |
| Average equity | $31,370,800 | 2,132 |
| Average total loans | $145,080,800 | 3,002 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8143% | 2,825 |
| Cost of funding earning assets | 1.7841% | 4,454 |
| Net interest margin | 4.0302% | 2,680 |
| Noninterest income to average assets | 0.5514% | 4,064 |
| Noninterest expense to average assets | 2.5270% | 5,988 |
| Loan and lease loss provision to assets | 0.2413% | 5,030 |
| Net operating income to assets | 1.0735% | 1,820 |
| Return on assets (ROA) | 1.0764% | 1,861 |
| Pretax return on assets | 1.5348% | 1,313 |
| Return on Equity (ROE) | 7.7879% | 2,733 |
| Retained earnings to average equity (ytd only) | 6.2975% | 1,814 |
| Net charge-offs to loans | 0.4354% | 3,500 |
| Credit loss provision to net charge-offs | 87.9828% | 5,540 |
| Earnings coverage of net charge-offs (x) | 6.4614% | 2,603 |
| Efficiency ratio | 58.7817% | 6,597 |
| Assets per employee ($millions) | 4.0740% | 3,601 |
| Cash dividends to net income (ytd only)* | 19.1363% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0474% | 6,020 |
| Loan loss allowance to noncurrent loans | 26.1643% | 6,714 |
| Noncurrent assets plus other real estate owned to assets | 2.7417% | 2,538 |
| Noncurrent loans to loans | 4.0033% | 1,833 |
| Net loans and leases to total assets | 65.1356% | 4,618 |
| Net loans and leases to deposits | 96.8710% | 1,463 |
| Net loans and leases to core deposits | 119.4904% | 2,294 |
| Total domestic deposits to total assets | 67.2396% | 7,625 |
| Equity capital to assets | 14.2862% | 1,208 |
| Core capital (leverage) ratio | 13.6674% | 1,177 |
| Tier 1 risk-based capital ratio | 17.9810% | 1,993 |
| Total risk-based capital ratio | 18.8958% | 2,038 |
| Memoranda: | ||
| Average total assets | $226,560,750 | 2,877 |
| Average earning assets | $210,671,250 | 2,847 |
| Average equity | $31,313,000 | 2,160 |
| Average total loans | $142,687,000 | 3,071 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8262% | 2,924 |
| Cost of funding earning assets | 1.8037% | 4,739 |
| Net interest margin | 4.0224% | 2,608 |
| Noninterest income to average assets | 0.5415% | 4,104 |
| Noninterest expense to average assets | 2.6102% | 5,702 |
| Loan and lease loss provision to assets | 0.3637% | 3,745 |
| Net operating income to assets | 0.9104% | 2,416 |
| Return on assets (ROA) | 0.9123% | 2,504 |
| Pretax return on assets | 1.2839% | 2,070 |
| Return on Equity (ROE) | 6.6761% | 3,348 |
| Retained earnings to average equity (ytd only) | 4.4097% | 2,842 |
| Net charge-offs to loans | 0.5863% | 2,575 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 4.5231% | 3,079 |
| Efficiency ratio | 61.3433% | 6,340 |
| Assets per employee ($millions) | 4.0810% | 3,534 |
| Cash dividends to net income (ytd only)* | 33.9476% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1425% | 5,318 |
| Loan loss allowance to noncurrent loans | 45.8873% | 5,296 |
| Noncurrent assets plus other real estate owned to assets | 1.7524% | 3,548 |
| Noncurrent loans to loans | 2.4899% | 2,912 |
| Net loans and leases to total assets | 61.6733% | 5,409 |
| Net loans and leases to deposits | 87.7338% | 3,210 |
| Net loans and leases to core deposits | 106.6827% | 3,755 |
| Total domestic deposits to total assets | 70.2960% | 7,440 |
| Equity capital to assets | 13.6253% | 1,449 |
| Core capital (leverage) ratio | 13.3094% | 1,325 |
| Tier 1 risk-based capital ratio | 18.0701% | 2,001 |
| Total risk-based capital ratio | 19.0474% | 2,017 |
| Memoranda: | ||
| Average total assets | $226,033,000 | 2,906 |
| Average earning assets | $208,679,330 | 2,885 |
| Average equity | $30,886,330 | 2,193 |
| Average total loans | $140,190,670 | 3,140 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9529% | 2,553 |
| Cost of funding earning assets | 1.8770% | 4,757 |
| Net interest margin | 4.0760% | 2,376 |
| Noninterest income to average assets | 0.5356% | 4,018 |
| Noninterest expense to average assets | 2.5216% | 5,760 |
| Loan and lease loss provision to assets | 0.6495% | 1,947 |
| Net operating income to assets | 0.7527% | 3,338 |
| Return on assets (ROA) | 0.7527% | 3,515 |
| Pretax return on assets | 1.0588% | 3,153 |
| Return on Equity (ROE) | 5.5007% | 4,249 |
| Retained earnings to average equity (ytd only) | 5.5007% | 2,860 |
| Net charge-offs to loans | 1.2029% | 1,158 |
| Credit loss provision to net charge-offs | 87.3206% | 4,058 |
| Earnings coverage of net charge-offs (x) | 2.2967% | 3,585 |
| Efficiency ratio | 59.6130% | 6,456 |
| Assets per employee ($millions) | 4.0529% | 3,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1493% | 5,130 |
| Loan loss allowance to noncurrent loans | 53.5872% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 1.5235% | 3,650 |
| Noncurrent loans to loans | 2.1447% | 3,060 |
| Net loans and leases to total assets | 60.8105% | 5,531 |
| Net loans and leases to deposits | 87.2100% | 3,435 |
| Net loans and leases to core deposits | 111.4249% | 3,270 |
| Total domestic deposits to total assets | 69.7289% | 7,450 |
| Equity capital to assets | 13.9557% | 1,376 |
| Core capital (leverage) ratio | 13.4163% | 1,352 |
| Tier 1 risk-based capital ratio | 18.7994% | 1,860 |
| Total risk-based capital ratio | 19.7915% | 1,879 |
| Memoranda: | ||
| Average total assets | $224,780,500 | 2,933 |
| Average earning assets | $203,731,000 | 2,971 |
| Average equity | $30,760,000 | 2,205 |
| Average total loans | $138,998,000 | 3,190 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4654% | 3,136 |
| Cost of funding earning assets | 2.4043% | 4,705 |
| Net interest margin | 4.0611% | 2,864 |
| Noninterest income to average assets | 0.7398% | 2,845 |
| Noninterest expense to average assets | 2.3808% | 6,462 |
| Loan and lease loss provision to assets | 0.0724% | 6,489 |
| Net operating income to assets | 1.4530% | 1,121 |
| Return on assets (ROA) | 1.4672% | 1,043 |
| Pretax return on assets | 2.0955% | 487 |
| Return on Equity (ROE) | 11.0343% | 1,893 |
| Retained earnings to average equity (ytd only) | 7.7237% | 923 |
| Net charge-offs to loans | -0.0030% | 7,759 |
| Credit loss provision to net charge-offs | -3,925.0000% | 7,512 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5753% | 7,423 |
| Assets per employee ($millions) | 4.0473% | 3,417 |
| Cash dividends to net income (ytd only)* | 30.0031% | 4,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1564% | 4,869 |
| Loan loss allowance to noncurrent loans | 62.5816% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 1.1485% | 3,971 |
| Noncurrent loans to loans | 1.8479% | 2,990 |
| Net loans and leases to total assets | 61.4329% | 5,706 |
| Net loans and leases to deposits | 87.1942% | 3,912 |
| Net loans and leases to core deposits | 98.5588% | 4,979 |
| Total domestic deposits to total assets | 70.4552% | 7,224 |
| Equity capital to assets | 13.4177% | 1,621 |
| Core capital (leverage) ratio | 13.1657% | 1,491 |
| Tier 1 risk-based capital ratio | 18.6094% | 1,893 |
| Total risk-based capital ratio | 19.6392% | 1,887 |
| Memoranda: | ||
| Average total assets | $216,939,800 | 2,916 |
| Average earning assets | $202,384,600 | 2,872 |
| Average equity | $28,846,400 | 2,344 |
| Average total loans | $134,034,400 | 3,195 |