Home > Kerndt Brothers Savings Bank > Performance and Condition Ratios
Kerndt Brothers Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6532% | 2,781 |
| Cost of funding earning assets | 2.0076% | 907 |
| Net interest margin | 2.6457% | 3,904 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 2.3126% | 2,821 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.5864% | 3,469 |
| Return on assets (ROA) | 0.4008% | 3,861 |
| Pretax return on assets | 0.4159% | 3,939 |
| Return on Equity (ROE) | 5.1000% | 3,706 |
| Retained earnings to average equity (ytd only) | 2.2238% | 3,526 |
| Net charge-offs to loans | 0.1067% | 866 |
| Credit loss provision to net charge-offs | 87.7863% | 1,964 |
| Earnings coverage of net charge-offs (x) | 9.3588% | 2,295 |
| Efficiency ratio | 77.0460% | 1,157 |
| Assets per employee ($millions) | 6.2876% | 2,564 |
| Cash dividends to net income (ytd only)* | 56.4295% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1898% | 2,354 |
| Loan loss allowance to noncurrent loans | 1,808.4848% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.0871% | 2,951 |
| Noncurrent loans to loans | 0.0658% | 3,242 |
| Net loans and leases to total assets | 66.8000% | 2,167 |
| Net loans and leases to deposits | 85.2405% | 1,674 |
| Net loans and leases to core deposits | 96.8758% | 1,609 |
| Total domestic deposits to total assets | 78.3700% | 3,684 |
| Equity capital to assets | 8.2724% | 3,224 |
| Core capital (leverage) ratio | 9.0235% | 3,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $364,742,200 | 2,135 |
| Average earning assets | $336,324,600 | 2,145 |
| Average equity | $28,645,000 | 2,336 |
| Average total loans | $245,600,600 | 2,025 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4988% | 2,923 |
| Cost of funding earning assets | 1.8486% | 932 |
| Net interest margin | 2.6501% | 3,946 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 2.3569% | 2,636 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.4629% | 3,839 |
| Return on assets (ROA) | 0.4365% | 3,899 |
| Pretax return on assets | 0.4534% | 3,986 |
| Return on Equity (ROE) | 5.6300% | 3,704 |
| Retained earnings to average equity (ytd only) | 1.7250% | 3,791 |
| Net charge-offs to loans | 0.0235% | 1,618 |
| Credit loss provision to net charge-offs | 267.4419% | 951 |
| Earnings coverage of net charge-offs (x) | 33.1395% | 1,542 |
| Efficiency ratio | 81.4022% | 769 |
| Assets per employee ($millions) | 6.3478% | 2,459 |
| Cash dividends to net income (ytd only)* | 69.3860% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2667% | 2,026 |
| Loan loss allowance to noncurrent loans | 783.7563% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.1525% | 2,561 |
| Noncurrent loans to loans | 0.1616% | 2,741 |
| Net loans and leases to total assets | 64.2600% | 2,414 |
| Net loans and leases to deposits | 83.1928% | 1,813 |
| Net loans and leases to core deposits | 94.2411% | 1,661 |
| Total domestic deposits to total assets | 77.2500% | 3,901 |
| Equity capital to assets | 7.3363% | 3,448 |
| Core capital (leverage) ratio | 8.8410% | 3,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $363,185,250 | 2,150 |
| Average earning assets | $334,869,500 | 2,163 |
| Average equity | $28,134,250 | 2,343 |
| Average total loans | $244,300,250 | 2,029 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3727% | 2,953 |
| Cost of funding earning assets | 1.6074% | 1,045 |
| Net interest margin | 2.7653% | 3,877 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.3984% | 2,492 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.5617% | 3,673 |
| Return on assets (ROA) | 0.5698% | 3,661 |
| Pretax return on assets | 0.5899% | 3,822 |
| Return on Equity (ROE) | 7.2200% | 3,433 |
| Retained earnings to average equity (ytd only) | 2.4618% | 3,608 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 79.4995% | 874 |
| Assets per employee ($millions) | 6.3714% | 2,414 |
| Cash dividends to net income (ytd only)* | 65.9180% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 2,287 |
| Loan loss allowance to noncurrent loans | 635.1351% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.1551% | 2,465 |
| Noncurrent loans to loans | 0.1937% | 2,499 |
| Net loans and leases to total assets | 65.2500% | 2,240 |
| Net loans and leases to deposits | 84.3041% | 1,647 |
| Net loans and leases to core deposits | 97.8673% | 1,358 |
| Total domestic deposits to total assets | 77.4000% | 3,906 |
| Equity capital to assets | 7.7106% | 3,396 |
| Core capital (leverage) ratio | 9.1384% | 3,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $359,406,000 | 2,171 |
| Average earning assets | $331,102,000 | 2,184 |
| Average equity | $28,353,667 | 2,340 |
| Average total loans | $244,475,667 | 2,025 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2589% | 2,904 |
| Cost of funding earning assets | 1.3944% | 1,035 |
| Net interest margin | 2.8644% | 3,843 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 2.5208% | 2,194 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.6304% | 3,632 |
| Return on assets (ROA) | 0.6390% | 3,570 |
| Pretax return on assets | 0.6744% | 3,711 |
| Return on Equity (ROE) | 8.0000% | 3,288 |
| Retained earnings to average equity (ytd only) | 3.7235% | 3,342 |
| Net charge-offs to loans | -0.0033% | 3,533 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.6224% | 943 |
| Assets per employee ($millions) | 5.8309% | 2,910 |
| Cash dividends to net income (ytd only)* | 53.4759% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2354% | 2,361 |
| Loan loss allowance to noncurrent loans | 620.7392% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.1656% | 2,344 |
| Noncurrent loans to loans | 0.1990% | 2,478 |
| Net loans and leases to total assets | 67.9500% | 1,839 |
| Net loans and leases to deposits | 78.9913% | 1,897 |
| Net loans and leases to core deposits | 94.2518% | 1,379 |
| Total domestic deposits to total assets | 86.0200% | 2,584 |
| Equity capital to assets | 8.1491% | 3,141 |
| Core capital (leverage) ratio | 9.5641% | 3,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $351,152,500 | 2,230 |
| Average earning assets | $322,715,000 | 2,244 |
| Average equity | $28,038,000 | 2,382 |
| Average total loans | $242,547,500 | 2,054 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6667% | 2,622 |
| Cost of funding earning assets | 0.6334% | 775 |
| Net interest margin | 3.0333% | 3,346 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 2.4933% | 2,139 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.6981% | 3,626 |
| Return on assets (ROA) | 0.6986% | 3,574 |
| Pretax return on assets | 0.7238% | 3,805 |
| Return on Equity (ROE) | 8.2100% | 3,327 |
| Retained earnings to average equity (ytd only) | 4.4356% | 3,256 |
| Net charge-offs to loans | -0.0216% | 4,087 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 76.9948% | 924 |
| Assets per employee ($millions) | 5.8749% | 2,880 |
| Cash dividends to net income (ytd only)* | 46.0059% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2546% | 2,125 |
| Loan loss allowance to noncurrent loans | 609.2929% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.1428% | 2,535 |
| Noncurrent loans to loans | 0.2059% | 2,466 |
| Net loans and leases to total assets | 68.4900% | 1,787 |
| Net loans and leases to deposits | 77.1440% | 2,024 |
| Net loans and leases to core deposits | 86.2905% | 1,729 |
| Total domestic deposits to total assets | 88.7800% | 1,785 |
| Equity capital to assets | 7.8157% | 3,176 |
| Core capital (leverage) ratio | 9.5590% | 3,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $342,233,400 | 2,254 |
| Average earning assets | $317,670,400 | 2,249 |
| Average equity | $29,105,400 | 2,372 |
| Average total loans | $226,957,400 | 2,073 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5484% | 2,469 |
| Cost of funding earning assets | 0.4986% | 756 |
| Net interest margin | 3.0498% | 3,078 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 2.5471% | 1,873 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.6474% | 3,703 |
| Return on assets (ROA) | 0.6504% | 3,652 |
| Pretax return on assets | 0.6844% | 3,829 |
| Return on Equity (ROE) | 7.4900% | 3,467 |
| Retained earnings to average equity (ytd only) | 3.4403% | 3,652 |
| Net charge-offs to loans | -0.0280% | 4,116 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 78.3191% | 887 |
| Assets per employee ($millions) | 5.6522% | 3,077 |
| Cash dividends to net income (ytd only)* | 54.0865% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2792% | 2,133 |
| Loan loss allowance to noncurrent loans | 757.0352% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.1154% | 2,809 |
| Noncurrent loans to loans | 0.1690% | 2,746 |
| Net loans and leases to total assets | 67.4400% | 1,737 |
| Net loans and leases to deposits | 75.6561% | 1,906 |
| Net loans and leases to core deposits | 83.6212% | 1,684 |
| Total domestic deposits to total assets | 89.1400% | 2,032 |
| Equity capital to assets | 7.2918% | 3,345 |
| Core capital (leverage) ratio | 9.3919% | 3,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $341,136,250 | 2,269 |
| Average earning assets | $316,863,000 | 2,267 |
| Average equity | $29,609,000 | 2,388 |
| Average total loans | $223,596,250 | 2,089 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4642% | 2,239 |
| Cost of funding earning assets | 0.3938% | 958 |
| Net interest margin | 3.0704% | 2,647 |
| Noninterest income to average assets | 0.4072% | 2,708 |
| Noninterest expense to average assets | 2.5924% | 1,655 |
| Loan and lease loss provision to assets | 0.0194% | 2,252 |
| Net operating income to assets | 0.6213% | 3,566 |
| Return on assets (ROA) | 0.6213% | 3,516 |
| Pretax return on assets | 0.6531% | 3,707 |
| Return on Equity (ROE) | 6.7914% | 3,365 |
| Retained earnings to average equity (ytd only) | 2.7075% | 3,546 |
| Net charge-offs to loans | -0.0392% | 4,146 |
| Credit loss provision to net charge-offs | -76.7442% | 3,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1854% | 1,008 |
| Assets per employee ($millions) | 5.2893% | 3,439 |
| Cash dividends to net income (ytd only)* | 60.1326% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3193% | 2,097 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 65.4839% | 1,759 |
| Net loans and leases to deposits | 74.0162% | 1,868 |
| Net loans and leases to core deposits | 82.9025% | 1,529 |
| Total domestic deposits to total assets | 88.4724% | 2,396 |
| Equity capital to assets | 8.0619% | 3,072 |
| Core capital (leverage) ratio | 9.2521% | 3,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $339,919,667 | 2,291 |
| Average earning assets | $316,378,000 | 2,293 |
| Average equity | $31,098,333 | 2,365 |
| Average total loans | $219,618,333 | 2,111 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3462% | 2,253 |
| Cost of funding earning assets | 0.3303% | 1,377 |
| Net interest margin | 3.0159% | 2,454 |
| Noninterest income to average assets | 0.4166% | 2,580 |
| Noninterest expense to average assets | 2.5966% | 1,614 |
| Loan and lease loss provision to assets | 0.0391% | 1,657 |
| Net operating income to assets | 0.5598% | 3,526 |
| Return on assets (ROA) | 0.5598% | 3,501 |
| Pretax return on assets | 0.5906% | 3,660 |
| Return on Equity (ROE) | 5.7702% | 3,407 |
| Retained earnings to average equity (ytd only) | 2.0495% | 3,523 |
| Net charge-offs to loans | -0.0074% | 3,482 |
| Credit loss provision to net charge-offs | -825.0000% | 3,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2641% | 1,131 |
| Assets per employee ($millions) | 5.1334% | 3,637 |
| Cash dividends to net income (ytd only)* | 64.4820% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3168% | 2,272 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 64.7341% | 1,530 |
| Net loans and leases to deposits | 74.1507% | 1,596 |
| Net loans and leases to core deposits | 76.6278% | 1,736 |
| Total domestic deposits to total assets | 87.3006% | 2,815 |
| Equity capital to assets | 8.7870% | 2,892 |
| Core capital (leverage) ratio | 9.4129% | 2,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1895% | 2,536 |
| Memoranda: | ||
| Average total assets | $337,978,500 | 2,309 |
| Average earning assets | $314,865,500 | 2,312 |
| Average equity | $32,789,000 | 2,343 |
| Average total loans | $215,355,000 | 2,135 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5520% | 2,511 |
| Cost of funding earning assets | 0.3942% | 1,585 |
| Net interest margin | 3.1578% | 2,720 |
| Noninterest income to average assets | 0.4981% | 2,574 |
| Noninterest expense to average assets | 2.9304% | 1,094 |
| Loan and lease loss provision to assets | 0.0602% | 1,851 |
| Net operating income to assets | 0.4085% | 4,262 |
| Return on assets (ROA) | 0.4701% | 4,185 |
| Pretax return on assets | 0.4981% | 4,261 |
| Return on Equity (ROE) | 4.2929% | 4,155 |
| Retained earnings to average equity (ytd only) | 1.0107% | 4,255 |
| Net charge-offs to loans | 0.0071% | 2,311 |
| Credit loss provision to net charge-offs | 1,428.5714% | 405 |
| Earnings coverage of net charge-offs (x) | 117.0000% | 803 |
| Efficiency ratio | 85.3954% | 496 |
| Assets per employee ($millions) | 4.8119% | 3,874 |
| Cash dividends to net income (ytd only)* | 76.4555% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4306% | 1,802 |
| Loan loss allowance to noncurrent loans | 620.2960% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.1425% | 2,940 |
| Noncurrent loans to loans | 0.2306% | 2,805 |
| Net loans and leases to total assets | 60.8881% | 2,072 |
| Net loans and leases to deposits | 70.6581% | 2,056 |
| Net loans and leases to core deposits | 73.1319% | 2,152 |
| Total domestic deposits to total assets | 86.1728% | 2,846 |
| Equity capital to assets | 10.6488% | 2,049 |
| Core capital (leverage) ratio | 9.3454% | 3,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3519% | 2,101 |
| Memoranda: | ||
| Average total assets | $332,449,200 | 2,282 |
| Average earning assets | $307,935,200 | 2,290 |
| Average equity | $36,409,200 | 2,228 |
| Average total loans | $198,181,800 | 2,242 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6513% | 2,413 |
| Cost of funding earning assets | 0.4053% | 1,665 |
| Net interest margin | 3.2460% | 2,592 |
| Noninterest income to average assets | 0.5224% | 2,527 |
| Noninterest expense to average assets | 2.8069% | 1,328 |
| Loan and lease loss provision to assets | 0.0601% | 1,791 |
| Net operating income to assets | 0.6247% | 3,963 |
| Return on assets (ROA) | 0.6491% | 3,954 |
| Pretax return on assets | 0.6836% | 4,094 |
| Return on Equity (ROE) | 5.8862% | 3,939 |
| Retained earnings to average equity (ytd only) | 1.9233% | 4,207 |
| Net charge-offs to loans | -0.0149% | 3,847 |
| Credit loss provision to net charge-offs | -681.8182% | 3,744 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4245% | 782 |
| Assets per employee ($millions) | 5.0271% | 3,674 |
| Cash dividends to net income (ytd only)* | 67.3255% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5326% | 1,516 |
| Loan loss allowance to noncurrent loans | 87.0304% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 0.9958% | 669 |
| Noncurrent loans to loans | 1.7610% | 557 |
| Net loans and leases to total assets | 55.6801% | 2,766 |
| Net loans and leases to deposits | 64.6242% | 2,776 |
| Net loans and leases to core deposits | 67.0571% | 2,853 |
| Total domestic deposits to total assets | 86.1598% | 2,688 |
| Equity capital to assets | 10.7655% | 2,205 |
| Core capital (leverage) ratio | 9.5592% | 2,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3130% | 1,859 |
| Memoranda: | ||
| Average total assets | $332,556,750 | 2,300 |
| Average earning assets | $307,611,000 | 2,319 |
| Average equity | $36,672,500 | 2,247 |
| Average total loans | $196,453,750 | 2,293 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8742% | 1,887 |
| Cost of funding earning assets | 0.4233% | 1,714 |
| Net interest margin | 3.4509% | 2,004 |
| Noninterest income to average assets | 0.5750% | 2,318 |
| Noninterest expense to average assets | 2.8598% | 1,231 |
| Loan and lease loss provision to assets | 0.0604% | 1,827 |
| Net operating income to assets | 0.7990% | 3,519 |
| Return on assets (ROA) | 0.8317% | 3,488 |
| Pretax return on assets | 0.8752% | 3,718 |
| Return on Equity (ROE) | 7.4817% | 3,535 |
| Retained earnings to average equity (ytd only) | 3.6240% | 3,641 |
| Net charge-offs to loans | -0.0111% | 3,710 |
| Credit loss provision to net charge-offs | -909.0909% | 3,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8471% | 1,094 |
| Assets per employee ($millions) | 5.0382% | 3,632 |
| Cash dividends to net income (ytd only)* | 51.5614% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4812% | 1,656 |
| Loan loss allowance to noncurrent loans | 53.1599% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 1.6179% | 326 |
| Noncurrent loans to loans | 2.7864% | 273 |
| Net loans and leases to total assets | 57.2058% | 2,763 |
| Net loans and leases to deposits | 67.3562% | 2,689 |
| Net loans and leases to core deposits | 70.0925% | 2,771 |
| Total domestic deposits to total assets | 84.9303% | 3,124 |
| Equity capital to assets | 11.1027% | 1,910 |
| Core capital (leverage) ratio | 9.5028% | 2,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4714% | 1,809 |
| Memoranda: | ||
| Average total assets | $331,136,667 | 2,297 |
| Average earning assets | $305,716,667 | 2,317 |
| Average equity | $36,810,000 | 2,229 |
| Average total loans | $198,452,000 | 2,287 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0099% | 1,592 |
| Cost of funding earning assets | 0.4474% | 1,742 |
| Net interest margin | 3.5625% | 1,670 |
| Noninterest income to average assets | 0.4237% | 2,966 |
| Noninterest expense to average assets | 2.6558% | 1,726 |
| Loan and lease loss provision to assets | 0.0605% | 1,913 |
| Net operating income to assets | 0.9425% | 2,999 |
| Return on assets (ROA) | 1.0023% | 2,890 |
| Pretax return on assets | 1.0568% | 3,220 |
| Return on Equity (ROE) | 9.0109% | 3,036 |
| Retained earnings to average equity (ytd only) | 5.6917% | 3,005 |
| Net charge-offs to loans | -0.0080% | 3,577 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5824% | 1,538 |
| Assets per employee ($millions) | 5.3145% | 3,318 |
| Cash dividends to net income (ytd only)* | 36.8357% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3920% | 1,998 |
| Loan loss allowance to noncurrent loans | 50.8807% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 1.9136% | 277 |
| Noncurrent loans to loans | 2.7359% | 315 |
| Net loans and leases to total assets | 59.2817% | 2,638 |
| Net loans and leases to deposits | 69.7365% | 2,533 |
| Net loans and leases to core deposits | 72.5488% | 2,654 |
| Total domestic deposits to total assets | 85.0081% | 3,087 |
| Equity capital to assets | 10.8977% | 1,936 |
| Core capital (leverage) ratio | 9.6671% | 2,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6338% | 2,028 |
| Memoranda: | ||
| Average total assets | $330,444,000 | 2,284 |
| Average earning assets | $304,842,500 | 2,301 |
| Average equity | $36,755,500 | 2,214 |
| Average total loans | $201,137,000 | 2,279 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1680% | 2,233 |
| Cost of funding earning assets | 0.7510% | 1,441 |
| Net interest margin | 3.4170% | 2,722 |
| Noninterest income to average assets | 0.4650% | 2,792 |
| Noninterest expense to average assets | 2.6363% | 2,434 |
| Loan and lease loss provision to assets | 0.2310% | 1,682 |
| Net operating income to assets | 0.6993% | 3,437 |
| Return on assets (ROA) | 0.7945% | 3,231 |
| Pretax return on assets | 0.8282% | 3,557 |
| Return on Equity (ROE) | 6.7782% | 3,289 |
| Retained earnings to average equity (ytd only) | 2.9219% | 3,409 |
| Net charge-offs to loans | 0.0941% | 1,520 |
| Credit loss provision to net charge-offs | 377.2487% | 1,499 |
| Earnings coverage of net charge-offs (x) | 15.6772% | 2,165 |
| Efficiency ratio | 73.0877% | 1,559 |
| Assets per employee ($millions) | 5.3455% | 3,003 |
| Cash dividends to net income (ytd only)* | 56.8923% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 2,114 |
| Loan loss allowance to noncurrent loans | 156.4351% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.8145% | 1,254 |
| Noncurrent loans to loans | 0.8737% | 1,622 |
| Net loans and leases to total assets | 60.7965% | 2,757 |
| Net loans and leases to deposits | 72.9876% | 2,590 |
| Net loans and leases to core deposits | 76.6095% | 2,668 |
| Total domestic deposits to total assets | 83.2970% | 3,330 |
| Equity capital to assets | 11.3545% | 1,986 |
| Core capital (leverage) ratio | 9.5862% | 3,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5489% | 2,032 |
| Memoranda: | ||
| Average total assets | $308,612,600 | 2,251 |
| Average earning assets | $282,819,400 | 2,273 |
| Average equity | $36,174,600 | 2,166 |
| Average total loans | $200,824,000 | 2,227 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3350% | 2,004 |
| Cost of funding earning assets | 0.8128% | 1,429 |
| Net interest margin | 3.5223% | 2,515 |
| Noninterest income to average assets | 0.4768% | 2,707 |
| Noninterest expense to average assets | 2.6399% | 2,416 |
| Loan and lease loss provision to assets | 0.2140% | 1,879 |
| Net operating income to assets | 0.8034% | 3,074 |
| Return on assets (ROA) | 0.9054% | 2,812 |
| Pretax return on assets | 0.9531% | 3,219 |
| Return on Equity (ROE) | 7.6597% | 2,936 |
| Retained earnings to average equity (ytd only) | 4.0263% | 3,036 |
| Net charge-offs to loans | 0.1282% | 1,113 |
| Credit loss provision to net charge-offs | 252.8497% | 1,912 |
| Earnings coverage of net charge-offs (x) | 12.5285% | 2,248 |
| Efficiency ratio | 71.1443% | 1,733 |
| Assets per employee ($millions) | 5.2699% | 2,927 |
| Cash dividends to net income (ytd only)* | 47.4347% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2356% | 2,470 |
| Loan loss allowance to noncurrent loans | 49.5962% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 1.8903% | 375 |
| Noncurrent loans to loans | 2.4913% | 425 |
| Net loans and leases to total assets | 63.6539% | 2,808 |
| Net loans and leases to deposits | 77.5068% | 2,587 |
| Net loans and leases to core deposits | 81.8465% | 2,673 |
| Total domestic deposits to total assets | 82.1269% | 3,389 |
| Equity capital to assets | 11.7097% | 1,871 |
| Core capital (leverage) ratio | 10.0828% | 2,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $304,247,500 | 2,254 |
| Average earning assets | $278,375,250 | 2,283 |
| Average equity | $35,962,250 | 2,164 |
| Average total loans | $200,783,000 | 2,226 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5271% | 1,837 |
| Cost of funding earning assets | 0.8664% | 1,510 |
| Net interest margin | 3.6607% | 2,291 |
| Noninterest income to average assets | 0.4569% | 2,780 |
| Noninterest expense to average assets | 2.6343% | 2,564 |
| Loan and lease loss provision to assets | 0.2251% | 1,858 |
| Net operating income to assets | 0.9100% | 2,652 |
| Return on assets (ROA) | 1.0651% | 2,214 |
| Pretax return on assets | 1.1210% | 2,650 |
| Return on Equity (ROE) | 8.9811% | 2,370 |
| Retained earnings to average equity (ytd only) | 5.2460% | 2,365 |
| Net charge-offs to loans | 0.1762% | 849 |
| Credit loss provision to net charge-offs | 192.0455% | 1,952 |
| Earnings coverage of net charge-offs (x) | 10.0909% | 2,174 |
| Efficiency ratio | 68.8013% | 2,122 |
| Assets per employee ($millions) | 4.8793% | 3,333 |
| Cash dividends to net income (ytd only)* | 41.5885% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1878% | 2,581 |
| Loan loss allowance to noncurrent loans | 42.9627% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 2.0652% | 333 |
| Noncurrent loans to loans | 2.7647% | 385 |
| Net loans and leases to total assets | 63.5105% | 2,935 |
| Net loans and leases to deposits | 78.2694% | 2,626 |
| Net loans and leases to core deposits | 83.2708% | 2,668 |
| Total domestic deposits to total assets | 81.1434% | 3,570 |
| Equity capital to assets | 11.8025% | 1,781 |
| Core capital (leverage) ratio | 10.0872% | 2,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $300,266,333 | 2,254 |
| Average earning assets | $275,627,000 | 2,278 |
| Average equity | $35,608,000 | 2,178 |
| Average total loans | $199,782,000 | 2,224 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5493% | 2,157 |
| Cost of funding earning assets | 0.9448% | 1,666 |
| Net interest margin | 3.6045% | 2,652 |
| Noninterest income to average assets | 0.5193% | 2,445 |
| Noninterest expense to average assets | 2.7907% | 2,455 |
| Loan and lease loss provision to assets | 0.2827% | 1,101 |
| Net operating income to assets | 0.7167% | 3,217 |
| Return on assets (ROA) | 1.0331% | 2,164 |
| Pretax return on assets | 1.0875% | 2,565 |
| Return on Equity (ROE) | 8.6897% | 2,245 |
| Retained earnings to average equity (ytd only) | 4.9737% | 2,288 |
| Net charge-offs to loans | -0.0120% | 4,138 |
| Credit loss provision to net charge-offs | -3,466.6667% | 3,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6918% | 1,974 |
| Assets per employee ($millions) | 4.6645% | 3,044 |
| Cash dividends to net income (ytd only)* | 42.7632% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2169% | 2,577 |
| Loan loss allowance to noncurrent loans | 263.6364% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.6244% | 2,135 |
| Noncurrent loans to loans | 0.4616% | 2,871 |
| Net loans and leases to total assets | 66.2401% | 2,790 |
| Net loans and leases to deposits | 82.6198% | 2,369 |
| Net loans and leases to core deposits | 86.7824% | 2,616 |
| Total domestic deposits to total assets | 80.1746% | 3,826 |
| Equity capital to assets | 11.8944% | 2,145 |
| Core capital (leverage) ratio | 10.6894% | 2,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $294,263,000 | 2,243 |
| Average earning assets | $270,106,500 | 2,269 |
| Average equity | $34,984,000 | 2,204 |
| Average total loans | $199,318,000 | 2,193 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6586% | 2,442 |
| Cost of funding earning assets | 1.0296% | 1,601 |
| Net interest margin | 3.6290% | 3,040 |
| Noninterest income to average assets | 0.4921% | 2,788 |
| Noninterest expense to average assets | 2.7450% | 2,765 |
| Loan and lease loss provision to assets | 0.0704% | 2,592 |
| Net operating income to assets | 0.9442% | 3,041 |
| Return on assets (ROA) | 0.9469% | 3,109 |
| Pretax return on assets | 0.9997% | 3,463 |
| Return on Equity (ROE) | 8.0528% | 3,141 |
| Retained earnings to average equity (ytd only) | 4.1611% | 2,880 |
| Net charge-offs to loans | 0.1034% | 1,695 |
| Credit loss provision to net charge-offs | 97.0874% | 2,553 |
| Earnings coverage of net charge-offs (x) | 14.7184% | 2,268 |
| Efficiency ratio | 71.7821% | 1,902 |
| Assets per employee ($millions) | 4.4615% | 3,285 |
| Cash dividends to net income (ytd only)* | 48.3271% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1196% | 2,838 |
| Loan loss allowance to noncurrent loans | 194.5709% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.7041% | 1,839 |
| Noncurrent loans to loans | 0.5754% | 2,465 |
| Net loans and leases to total assets | 67.6669% | 2,732 |
| Net loans and leases to deposits | 84.6690% | 2,251 |
| Net loans and leases to core deposits | 87.2485% | 2,678 |
| Total domestic deposits to total assets | 79.9193% | 3,995 |
| Equity capital to assets | 11.8828% | 2,215 |
| Core capital (leverage) ratio | 10.4616% | 2,996 |
| Tier 1 risk-based capital ratio | 13.4075% | 3,577 |
| Total risk-based capital ratio | 14.4081% | 3,595 |
| Memoranda: | ||
| Average total assets | $284,084,200 | 2,258 |
| Average earning assets | $259,907,800 | 2,278 |
| Average equity | $33,404,600 | 2,215 |
| Average total loans | $199,194,800 | 2,170 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7090% | 2,394 |
| Cost of funding earning assets | 1.0131% | 1,708 |
| Net interest margin | 3.6959% | 2,936 |
| Noninterest income to average assets | 0.4671% | 2,916 |
| Noninterest expense to average assets | 2.7232% | 2,798 |
| Loan and lease loss provision to assets | 0.0354% | 3,183 |
| Net operating income to assets | 1.0325% | 2,851 |
| Return on assets (ROA) | 0.9922% | 3,081 |
| Pretax return on assets | 1.0445% | 3,461 |
| Return on Equity (ROE) | 8.4607% | 3,133 |
| Retained earnings to average equity (ytd only) | 4.7594% | 3,021 |
| Net charge-offs to loans | 0.0314% | 2,445 |
| Credit loss provision to net charge-offs | 159.5745% | 1,558 |
| Earnings coverage of net charge-offs (x) | 50.6131% | 1,179 |
| Efficiency ratio | 70.5926% | 2,038 |
| Assets per employee ($millions) | 4.3542% | 3,410 |
| Cash dividends to net income (ytd only)* | 43.7472% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1474% | 2,788 |
| Loan loss allowance to noncurrent loans | 170.5215% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.4604% | 2,683 |
| Noncurrent loans to loans | 0.6729% | 2,272 |
| Net loans and leases to total assets | 67.6341% | 2,845 |
| Net loans and leases to deposits | 84.3043% | 2,421 |
| Net loans and leases to core deposits | 86.2837% | 2,884 |
| Total domestic deposits to total assets | 80.2262% | 3,942 |
| Equity capital to assets | 11.9796% | 2,274 |
| Core capital (leverage) ratio | 10.7854% | 2,854 |
| Tier 1 risk-based capital ratio | 13.5411% | 3,544 |
| Total risk-based capital ratio | 14.5746% | 3,571 |
| Memoranda: | ||
| Average total assets | $282,605,250 | 2,281 |
| Average earning assets | $258,336,250 | 2,298 |
| Average equity | $33,140,750 | 2,246 |
| Average total loans | $199,379,500 | 2,188 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7469% | 2,234 |
| Cost of funding earning assets | 0.9807% | 1,788 |
| Net interest margin | 3.7662% | 2,706 |
| Noninterest income to average assets | 0.4783% | 2,797 |
| Noninterest expense to average assets | 2.7436% | 2,773 |
| Loan and lease loss provision to assets | 0.0356% | 3,112 |
| Net operating income to assets | 1.0864% | 2,578 |
| Return on assets (ROA) | 1.0241% | 2,912 |
| Pretax return on assets | 1.0747% | 3,310 |
| Return on Equity (ROE) | 8.7980% | 2,938 |
| Retained earnings to average equity (ytd only) | 5.1908% | 2,673 |
| Net charge-offs to loans | 0.0310% | 2,234 |
| Credit loss provision to net charge-offs | 161.2903% | 1,414 |
| Earnings coverage of net charge-offs (x) | 53.2903% | 1,054 |
| Efficiency ratio | 69.7839% | 2,259 |
| Assets per employee ($millions) | 4.2965% | 3,436 |
| Cash dividends to net income (ytd only)* | 41.0007% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1235% | 2,941 |
| Loan loss allowance to noncurrent loans | 122.1196% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.6589% | 2,064 |
| Noncurrent loans to loans | 0.9200% | 1,781 |
| Net loans and leases to total assets | 70.8073% | 2,422 |
| Net loans and leases to deposits | 89.6376% | 1,780 |
| Net loans and leases to core deposits | 92.1643% | 2,401 |
| Total domestic deposits to total assets | 78.9929% | 4,225 |
| Equity capital to assets | 12.1283% | 2,097 |
| Core capital (leverage) ratio | 10.6455% | 2,944 |
| Tier 1 risk-based capital ratio | 12.9714% | 3,854 |
| Total risk-based capital ratio | 13.9689% | 3,902 |
| Memoranda: | ||
| Average total assets | $281,013,670 | 2,291 |
| Average earning assets | $256,758,000 | 2,317 |
| Average equity | $32,712,000 | 2,262 |
| Average total loans | $200,298,330 | 2,186 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6409% | 2,413 |
| Cost of funding earning assets | 0.9328% | 1,872 |
| Net interest margin | 3.7080% | 2,862 |
| Noninterest income to average assets | 0.5094% | 2,498 |
| Noninterest expense to average assets | 2.7756% | 2,658 |
| Loan and lease loss provision to assets | 0.0355% | 2,915 |
| Net operating income to assets | 1.0449% | 2,676 |
| Return on assets (ROA) | 0.9195% | 3,197 |
| Pretax return on assets | 0.9578% | 3,595 |
| Return on Equity (ROE) | 8.0666% | 3,236 |
| Retained earnings to average equity (ytd only) | 4.0831% | 3,283 |
| Net charge-offs to loans | 0.0419% | 1,672 |
| Credit loss provision to net charge-offs | 119.0476% | 1,416 |
| Earnings coverage of net charge-offs (x) | 37.7143% | 1,191 |
| Efficiency ratio | 70.9607% | 2,194 |
| Assets per employee ($millions) | 4.2546% | 3,539 |
| Cash dividends to net income (ytd only)* | 49.3827% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1114% | 3,059 |
| Loan loss allowance to noncurrent loans | 76.7010% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 1.0363% | 1,345 |
| Noncurrent loans to loans | 1.4490% | 1,115 |
| Net loans and leases to total assets | 70.7252% | 2,375 |
| Net loans and leases to deposits | 89.7735% | 1,660 |
| Net loans and leases to core deposits | 92.0846% | 2,291 |
| Total domestic deposits to total assets | 78.7818% | 4,388 |
| Equity capital to assets | 11.6570% | 2,265 |
| Core capital (leverage) ratio | 10.4176% | 3,148 |
| Tier 1 risk-based capital ratio | 12.6286% | 4,081 |
| Total risk-based capital ratio | 13.6109% | 4,127 |
| Memoranda: | ||
| Average total assets | $281,884,500 | 2,302 |
| Average earning assets | $257,710,000 | 2,334 |
| Average equity | $32,132,500 | 2,292 |
| Average total loans | $200,451,500 | 2,209 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4522% | 2,598 |
| Cost of funding earning assets | 0.8210% | 1,436 |
| Net interest margin | 3.6312% | 3,277 |
| Noninterest income to average assets | 0.4305% | 3,238 |
| Noninterest expense to average assets | 2.7674% | 2,794 |
| Loan and lease loss provision to assets | 0.0356% | 3,487 |
| Net operating income to assets | 0.9310% | 3,326 |
| Return on assets (ROA) | 0.9310% | 3,316 |
| Pretax return on assets | 0.9474% | 3,767 |
| Return on Equity (ROE) | 8.4950% | 3,222 |
| Retained earnings to average equity (ytd only) | 4.4829% | 3,062 |
| Net charge-offs to loans | -0.0146% | 4,602 |
| Credit loss provision to net charge-offs | -344.8276% | 4,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7906% | 1,652 |
| Assets per employee ($millions) | 4.2874% | 3,479 |
| Cash dividends to net income (ytd only)* | 47.2297% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1141% | 3,013 |
| Loan loss allowance to noncurrent loans | 103.8193% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 0.7587% | 1,840 |
| Noncurrent loans to loans | 1.0731% | 1,519 |
| Net loans and leases to total assets | 69.9178% | 2,571 |
| Net loans and leases to deposits | 88.7647% | 1,956 |
| Net loans and leases to core deposits | 92.8588% | 2,335 |
| Total domestic deposits to total assets | 78.7676% | 4,359 |
| Equity capital to assets | 11.1433% | 2,560 |
| Core capital (leverage) ratio | 10.2953% | 3,250 |
| Tier 1 risk-based capital ratio | 12.4975% | 4,140 |
| Total risk-based capital ratio | 13.4798% | 4,168 |
| Memoranda: | ||
| Average total assets | $281,091,200 | 2,264 |
| Average earning assets | $256,996,800 | 2,288 |
| Average equity | $30,806,200 | 2,294 |
| Average total loans | $198,267,600 | 2,185 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3963% | 2,636 |
| Cost of funding earning assets | 0.8026% | 1,324 |
| Net interest margin | 3.5937% | 3,392 |
| Noninterest income to average assets | 0.4048% | 3,455 |
| Noninterest expense to average assets | 2.7719% | 2,737 |
| Loan and lease loss provision to assets | 0.0356% | 3,296 |
| Net operating income to assets | 0.8861% | 3,597 |
| Return on assets (ROA) | 0.8861% | 3,598 |
| Pretax return on assets | 0.8861% | 4,068 |
| Return on Equity (ROE) | 8.1196% | 3,503 |
| Retained earnings to average equity (ytd only) | 4.2884% | 3,622 |
| Net charge-offs to loans | -0.0202% | 4,629 |
| Credit loss provision to net charge-offs | -250.0000% | 4,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0450% | 1,459 |
| Assets per employee ($millions) | 4.1455% | 3,664 |
| Cash dividends to net income (ytd only)* | 47.1849% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 2,851 |
| Loan loss allowance to noncurrent loans | 127.9907% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 0.6109% | 2,346 |
| Noncurrent loans to loans | 0.9053% | 1,890 |
| Net loans and leases to total assets | 66.6929% | 3,102 |
| Net loans and leases to deposits | 83.9550% | 2,602 |
| Net loans and leases to core deposits | 87.9040% | 2,848 |
| Total domestic deposits to total assets | 79.4389% | 4,228 |
| Equity capital to assets | 10.8410% | 2,808 |
| Core capital (leverage) ratio | 10.1171% | 3,501 |
| Tier 1 risk-based capital ratio | 12.7941% | 4,027 |
| Total risk-based capital ratio | 13.8030% | 4,066 |
| Memoranda: | ||
| Average total assets | $280,622,000 | 2,276 |
| Average earning assets | $256,816,750 | 2,298 |
| Average equity | $30,624,750 | 2,310 |
| Average total loans | $197,816,000 | 2,201 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3651% | 2,524 |
| Cost of funding earning assets | 0.7725% | 1,270 |
| Net interest margin | 3.5926% | 3,351 |
| Noninterest income to average assets | 0.3890% | 3,560 |
| Noninterest expense to average assets | 2.6895% | 3,047 |
| Loan and lease loss provision to assets | 0.0357% | 3,201 |
| Net operating income to assets | 0.9750% | 3,125 |
| Return on assets (ROA) | 0.9750% | 3,126 |
| Pretax return on assets | 0.9500% | 3,806 |
| Return on Equity (ROE) | 8.9146% | 3,067 |
| Retained earnings to average equity (ytd only) | 5.2600% | 2,953 |
| Net charge-offs to loans | -0.0270% | 4,707 |
| Credit loss provision to net charge-offs | -185.1852% | 4,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1793% | 1,823 |
| Assets per employee ($millions) | 4.2104% | 3,566 |
| Cash dividends to net income (ytd only)* | 40.9956% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1157% | 3,173 |
| Loan loss allowance to noncurrent loans | 153.2394% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 0.5034% | 2,743 |
| Noncurrent loans to loans | 0.7281% | 2,290 |
| Net loans and leases to total assets | 68.3687% | 2,817 |
| Net loans and leases to deposits | 86.7530% | 2,244 |
| Net loans and leases to core deposits | 90.6452% | 2,518 |
| Total domestic deposits to total assets | 78.8085% | 4,458 |
| Equity capital to assets | 10.8875% | 2,742 |
| Core capital (leverage) ratio | 10.1286% | 3,448 |
| Tier 1 risk-based capital ratio | 11.9489% | 4,530 |
| Total risk-based capital ratio | 12.8735% | 4,607 |
| Memoranda: | ||
| Average total assets | $280,198,670 | 2,288 |
| Average earning assets | $256,307,670 | 2,308 |
| Average equity | $30,646,330 | 2,311 |
| Average total loans | $200,352,670 | 2,182 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3239% | 2,441 |
| Cost of funding earning assets | 0.7230% | 1,326 |
| Net interest margin | 3.6009% | 3,178 |
| Noninterest income to average assets | 0.4226% | 3,296 |
| Noninterest expense to average assets | 2.6055% | 3,322 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1817% | 2,084 |
| Return on assets (ROA) | 1.1817% | 2,096 |
| Pretax return on assets | 1.1058% | 3,155 |
| Return on Equity (ROE) | 10.7797% | 2,056 |
| Retained earnings to average equity (ytd only) | 6.8598% | 2,345 |
| Net charge-offs to loans | 0.0315% | 1,866 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 48.2500% | 966 |
| Efficiency ratio | 70.2046% | 2,457 |
| Assets per employee ($millions) | 4.1684% | 3,701 |
| Cash dividends to net income (ytd only)* | 36.3636% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0266% | 3,799 |
| Loan loss allowance to noncurrent loans | 151.8222% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.4913% | 2,891 |
| Noncurrent loans to loans | 0.6762% | 2,523 |
| Net loans and leases to total assets | 71.9030% | 2,185 |
| Net loans and leases to deposits | 92.1018% | 1,445 |
| Net loans and leases to core deposits | 95.3891% | 2,025 |
| Total domestic deposits to total assets | 78.0691% | 4,720 |
| Equity capital to assets | 10.9673% | 2,621 |
| Core capital (leverage) ratio | 10.2893% | 3,199 |
| Tier 1 risk-based capital ratio | 11.5868% | 4,817 |
| Total risk-based capital ratio | 12.4537% | 4,925 |
| Memoranda: | ||
| Average total assets | $279,251,000 | 2,307 |
| Average earning assets | $255,049,500 | 2,333 |
| Average equity | $30,613,000 | 2,327 |
| Average total loans | $203,009,000 | 2,174 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2121% | 2,640 |
| Cost of funding earning assets | 0.6601% | 1,246 |
| Net interest margin | 3.5520% | 3,334 |
| Noninterest income to average assets | 0.4039% | 3,614 |
| Noninterest expense to average assets | 2.6808% | 3,191 |
| Loan and lease loss provision to assets | 0.0361% | 3,543 |
| Net operating income to assets | 0.8864% | 2,786 |
| Return on assets (ROA) | 0.8908% | 2,793 |
| Pretax return on assets | 0.9400% | 3,782 |
| Return on Equity (ROE) | 8.1849% | 2,711 |
| Retained earnings to average equity (ytd only) | 3.0867% | 3,451 |
| Net charge-offs to loans | 0.0401% | 2,988 |
| Credit loss provision to net charge-offs | 126.5823% | 2,080 |
| Earnings coverage of net charge-offs (x) | 34.0380% | 1,411 |
| Efficiency ratio | 73.4026% | 1,999 |
| Assets per employee ($millions) | 4.0466% | 3,885 |
| Cash dividends to net income (ytd only)* | 62.2871% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0329% | 3,721 |
| Loan loss allowance to noncurrent loans | 75.1702% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 0.9996% | 1,543 |
| Noncurrent loans to loans | 1.3741% | 1,260 |
| Net loans and leases to total assets | 71.9952% | 2,239 |
| Net loans and leases to deposits | 92.3517% | 1,475 |
| Net loans and leases to core deposits | 95.7384% | 2,047 |
| Total domestic deposits to total assets | 77.9576% | 4,727 |
| Equity capital to assets | 10.9578% | 2,668 |
| Core capital (leverage) ratio | 10.0113% | 3,447 |
| Tier 1 risk-based capital ratio | 11.3408% | 4,955 |
| Total risk-based capital ratio | 12.2113% | 5,051 |
| Memoranda: | ||
| Average total assets | $276,817,400 | 2,305 |
| Average earning assets | $253,152,400 | 2,328 |
| Average equity | $30,128,800 | 2,348 |
| Average total loans | $197,142,200 | 2,178 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1789% | 2,683 |
| Cost of funding earning assets | 0.6390% | 1,315 |
| Net interest margin | 3.5399% | 3,351 |
| Noninterest income to average assets | 0.4045% | 3,655 |
| Noninterest expense to average assets | 2.6423% | 3,276 |
| Loan and lease loss provision to assets | 0.0362% | 3,390 |
| Net operating income to assets | 0.9198% | 2,928 |
| Return on assets (ROA) | 0.9249% | 2,963 |
| Pretax return on assets | 0.9750% | 3,783 |
| Return on Equity (ROE) | 8.5119% | 2,871 |
| Retained earnings to average equity (ytd only) | 1.9103% | 4,673 |
| Net charge-offs to loans | 0.0586% | 2,285 |
| Credit loss provision to net charge-offs | 87.2093% | 2,491 |
| Earnings coverage of net charge-offs (x) | 24.2334% | 1,781 |
| Efficiency ratio | 72.4266% | 2,152 |
| Assets per employee ($millions) | 4.0287% | 3,941 |
| Cash dividends to net income (ytd only)* | 77.5573% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0442% | 3,822 |
| Loan loss allowance to noncurrent loans | 125.6535% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 0.6223% | 2,647 |
| Noncurrent loans to loans | 0.8310% | 2,286 |
| Net loans and leases to total assets | 70.4680% | 2,490 |
| Net loans and leases to deposits | 91.2405% | 1,658 |
| Net loans and leases to core deposits | 94.3774% | 2,236 |
| Total domestic deposits to total assets | 77.2333% | 4,843 |
| Equity capital to assets | 10.9454% | 2,916 |
| Core capital (leverage) ratio | 9.8702% | 3,731 |
| Tier 1 risk-based capital ratio | 11.4216% | 4,999 |
| Total risk-based capital ratio | 12.3010% | 5,107 |
| Memoranda: | ||
| Average total assets | $276,217,750 | 2,323 |
| Average earning assets | $253,105,250 | 2,349 |
| Average equity | $30,012,000 | 2,375 |
| Average total loans | $195,647,750 | 2,199 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1407% | 2,710 |
| Cost of funding earning assets | 0.6079% | 1,393 |
| Net interest margin | 3.5328% | 3,286 |
| Noninterest income to average assets | 0.3505% | 4,049 |
| Noninterest expense to average assets | 2.6477% | 3,274 |
| Loan and lease loss provision to assets | 0.0472% | 3,048 |
| Net operating income to assets | 0.8449% | 3,180 |
| Return on assets (ROA) | 0.8649% | 3,154 |
| Pretax return on assets | 0.9150% | 3,882 |
| Return on Equity (ROE) | 7.9802% | 3,046 |
| Retained earnings to average equity (ytd only) | 3.1532% | 3,831 |
| Net charge-offs to loans | 0.0308% | 2,589 |
| Credit loss provision to net charge-offs | 216.6667% | 1,195 |
| Earnings coverage of net charge-offs (x) | 43.2333% | 1,194 |
| Efficiency ratio | 73.7768% | 2,057 |
| Assets per employee ($millions) | 3.8998% | 4,131 |
| Cash dividends to net income (ytd only)* | 60.4866% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0543% | 3,828 |
| Loan loss allowance to noncurrent loans | 102.8724% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 0.8065% | 2,194 |
| Noncurrent loans to loans | 1.0248% | 1,918 |
| Net loans and leases to total assets | 71.6209% | 2,261 |
| Net loans and leases to deposits | 93.5950% | 1,307 |
| Net loans and leases to core deposits | 96.9769% | 1,888 |
| Total domestic deposits to total assets | 76.5222% | 5,026 |
| Equity capital to assets | 10.9886% | 2,819 |
| Core capital (leverage) ratio | 9.9475% | 3,599 |
| Tier 1 risk-based capital ratio | 11.2214% | 5,129 |
| Total risk-based capital ratio | 12.1032% | 5,247 |
| Memoranda: | ||
| Average total assets | $275,630,330 | 2,339 |
| Average earning assets | $252,663,000 | 2,363 |
| Average equity | $29,874,000 | 2,381 |
| Average total loans | $194,879,000 | 2,217 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0529% | 2,842 |
| Cost of funding earning assets | 0.5989% | 1,382 |
| Net interest margin | 3.4540% | 3,434 |
| Noninterest income to average assets | 0.3505% | 4,037 |
| Noninterest expense to average assets | 2.5309% | 3,712 |
| Loan and lease loss provision to assets | 0.0364% | 3,069 |
| Net operating income to assets | 0.9110% | 2,707 |
| Return on assets (ROA) | 0.9484% | 2,592 |
| Pretax return on assets | 0.9934% | 3,397 |
| Return on Equity (ROE) | 8.8114% | 2,504 |
| Retained earnings to average equity (ytd only) | 2.4596% | 4,159 |
| Net charge-offs to loans | -0.0187% | 4,705 |
| Credit loss provision to net charge-offs | -277.7778% | 4,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8711% | 2,598 |
| Assets per employee ($millions) | 4.0476% | 3,927 |
| Cash dividends to net income (ytd only)* | 72.0859% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0793% | 3,827 |
| Loan loss allowance to noncurrent loans | 118.9859% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.6787% | 2,596 |
| Noncurrent loans to loans | 0.9071% | 2,223 |
| Net loans and leases to total assets | 70.3282% | 2,318 |
| Net loans and leases to deposits | 89.2118% | 1,643 |
| Net loans and leases to core deposits | 92.7713% | 2,093 |
| Total domestic deposits to total assets | 78.8329% | 4,856 |
| Equity capital to assets | 10.8346% | 2,816 |
| Core capital (leverage) ratio | 9.9888% | 3,511 |
| Tier 1 risk-based capital ratio | 11.3876% | 5,095 |
| Total risk-based capital ratio | 12.2917% | 5,192 |
| Memoranda: | ||
| Average total assets | $275,002,000 | 2,363 |
| Average earning assets | $252,463,000 | 2,380 |
| Average equity | $29,598,000 | 2,414 |
| Average total loans | $192,107,500 | 2,255 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0765% | 2,936 |
| Cost of funding earning assets | 0.6087% | 1,286 |
| Net interest margin | 3.4679% | 3,555 |
| Noninterest income to average assets | 0.4023% | 3,868 |
| Noninterest expense to average assets | 2.6857% | 3,384 |
| Loan and lease loss provision to assets | 0.0247% | 3,861 |
| Net operating income to assets | 0.8550% | 3,049 |
| Return on assets (ROA) | 0.8669% | 3,106 |
| Pretax return on assets | 0.8854% | 3,894 |
| Return on Equity (ROE) | 7.8392% | 3,034 |
| Retained earnings to average equity (ytd only) | 2.4896% | 4,096 |
| Net charge-offs to loans | -0.0217% | 5,150 |
| Credit loss provision to net charge-offs | -163.4146% | 4,965 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9434% | 2,144 |
| Assets per employee ($millions) | 3.8699% | 4,190 |
| Cash dividends to net income (ytd only)* | 68.2418% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 3,701 |
| Loan loss allowance to noncurrent loans | 157.9027% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.5368% | 3,134 |
| Noncurrent loans to loans | 0.6980% | 2,801 |
| Net loans and leases to total assets | 67.8596% | 2,792 |
| Net loans and leases to deposits | 84.5490% | 2,355 |
| Net loans and leases to core deposits | 87.4116% | 2,737 |
| Total domestic deposits to total assets | 80.2607% | 4,516 |
| Equity capital to assets | 10.6909% | 2,937 |
| Core capital (leverage) ratio | 9.7781% | 3,772 |
| Tier 1 risk-based capital ratio | 11.5985% | 4,988 |
| Total risk-based capital ratio | 12.5098% | 5,090 |
| Memoranda: | ||
| Average total assets | $270,952,000 | 2,354 |
| Average earning assets | $248,568,200 | 2,367 |
| Average equity | $29,964,800 | 2,349 |
| Average total loans | $189,332,200 | 2,216 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1311% | 2,759 |
| Cost of funding earning assets | 0.6111% | 1,259 |
| Net interest margin | 3.5200% | 3,393 |
| Noninterest income to average assets | 0.2899% | 4,697 |
| Noninterest expense to average assets | 2.6429% | 3,527 |
| Loan and lease loss provision to assets | 0.0331% | 3,569 |
| Net operating income to assets | 0.8197% | 3,280 |
| Return on assets (ROA) | 0.8355% | 3,338 |
| Pretax return on assets | 0.8587% | 4,126 |
| Return on Equity (ROE) | 7.4918% | 3,304 |
| Retained earnings to average equity (ytd only) | 1.5896% | 4,876 |
| Net charge-offs to loans | -0.0310% | 5,176 |
| Credit loss provision to net charge-offs | -152.2727% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1158% | 2,088 |
| Assets per employee ($millions) | 3.8409% | 4,233 |
| Cash dividends to net income (ytd only)* | 78.7827% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1008% | 3,828 |
| Loan loss allowance to noncurrent loans | 227.1834% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.3865% | 3,874 |
| Noncurrent loans to loans | 0.4845% | 3,554 |
| Net loans and leases to total assets | 68.5626% | 2,714 |
| Net loans and leases to deposits | 87.8949% | 2,030 |
| Net loans and leases to core deposits | 91.6574% | 2,426 |
| Total domestic deposits to total assets | 78.0052% | 4,913 |
| Equity capital to assets | 11.1752% | 2,821 |
| Core capital (leverage) ratio | 9.9147% | 3,674 |
| Tier 1 risk-based capital ratio | 11.4715% | 5,105 |
| Total risk-based capital ratio | 12.3874% | 5,208 |
| Memoranda: | ||
| Average total assets | $269,998,500 | 2,377 |
| Average earning assets | $247,643,250 | 2,391 |
| Average equity | $30,112,250 | 2,360 |
| Average total loans | $189,532,000 | 2,213 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1015% | 2,852 |
| Cost of funding earning assets | 0.6161% | 1,214 |
| Net interest margin | 3.4854% | 3,539 |
| Noninterest income to average assets | 0.2586% | 4,930 |
| Noninterest expense to average assets | 2.7150% | 3,340 |
| Loan and lease loss provision to assets | 0.0498% | 3,155 |
| Net operating income to assets | 0.6838% | 3,881 |
| Return on assets (ROA) | 0.6905% | 3,990 |
| Pretax return on assets | 0.7001% | 4,621 |
| Return on Equity (ROE) | 6.1951% | 3,963 |
| Retained earnings to average equity (ytd only) | 0.3934% | 5,183 |
| Net charge-offs to loans | -0.0169% | 4,875 |
| Credit loss provision to net charge-offs | -418.7500% | 4,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5085% | 1,710 |
| Assets per employee ($millions) | 3.8545% | 4,160 |
| Cash dividends to net income (ytd only)* | 93.6491% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0901% | 3,994 |
| Loan loss allowance to noncurrent loans | 381.5985% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.2263% | 4,590 |
| Noncurrent loans to loans | 0.2857% | 4,351 |
| Net loans and leases to total assets | 70.0371% | 2,479 |
| Net loans and leases to deposits | 87.5310% | 2,062 |
| Net loans and leases to core deposits | 92.2883% | 2,323 |
| Total domestic deposits to total assets | 80.0141% | 4,541 |
| Equity capital to assets | 11.4152% | 2,629 |
| Core capital (leverage) ratio | 9.7139% | 3,910 |
| Tier 1 risk-based capital ratio | 11.2356% | 5,298 |
| Total risk-based capital ratio | 12.1310% | 5,410 |
| Memoranda: | ||
| Average total assets | $269,097,670 | 2,392 |
| Average earning assets | $247,031,330 | 2,407 |
| Average equity | $29,991,330 | 2,368 |
| Average total loans | $189,692,000 | 2,213 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0725% | 2,958 |
| Cost of funding earning assets | 0.6147% | 1,243 |
| Net interest margin | 3.4579% | 3,630 |
| Noninterest income to average assets | 0.2099% | 5,228 |
| Noninterest expense to average assets | 2.5966% | 3,759 |
| Loan and lease loss provision to assets | 0.0990% | 2,043 |
| Net operating income to assets | 0.6990% | 3,722 |
| Return on assets (ROA) | 0.6990% | 3,834 |
| Pretax return on assets | 0.6902% | 4,554 |
| Return on Equity (ROE) | 6.3475% | 3,805 |
| Retained earnings to average equity (ytd only) | 0.5234% | 4,986 |
| Net charge-offs to loans | -0.0315% | 5,088 |
| Credit loss provision to net charge-offs | -446.6667% | 4,526 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6914% | 2,084 |
| Assets per employee ($millions) | 4.1025% | 3,764 |
| Cash dividends to net income (ytd only)* | 91.7548% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0683% | 4,236 |
| Loan loss allowance to noncurrent loans | 262.4041% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.3054% | 4,345 |
| Noncurrent loans to loans | 0.4071% | 3,977 |
| Net loans and leases to total assets | 70.1818% | 2,312 |
| Net loans and leases to deposits | 87.1552% | 1,923 |
| Net loans and leases to core deposits | 93.0675% | 2,083 |
| Total domestic deposits to total assets | 80.5251% | 4,626 |
| Equity capital to assets | 11.0986% | 2,826 |
| Core capital (leverage) ratio | 9.8127% | 3,757 |
| Tier 1 risk-based capital ratio | 11.0769% | 5,467 |
| Total risk-based capital ratio | 11.9598% | 5,565 |
| Memoranda: | ||
| Average total assets | $270,665,500 | 2,378 |
| Average earning assets | $248,593,500 | 2,399 |
| Average equity | $29,807,000 | 2,379 |
| Average total loans | $190,375,500 | 2,207 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8549% | 3,863 |
| Cost of funding earning assets | 0.6067% | 1,328 |
| Net interest margin | 3.2482% | 4,477 |
| Noninterest income to average assets | 0.4198% | 3,896 |
| Noninterest expense to average assets | 2.4705% | 4,320 |
| Loan and lease loss provision to assets | 0.0408% | 3,518 |
| Net operating income to assets | 0.8545% | 3,086 |
| Return on assets (ROA) | 0.9216% | 2,838 |
| Pretax return on assets | 0.9762% | 3,554 |
| Return on Equity (ROE) | 7.6073% | 3,189 |
| Retained earnings to average equity (ytd only) | 1.0531% | 5,096 |
| Net charge-offs to loans | 0.0433% | 3,347 |
| Credit loss provision to net charge-offs | 140.8451% | 1,868 |
| Earnings coverage of net charge-offs (x) | 32.6761% | 1,370 |
| Efficiency ratio | 72.3183% | 2,852 |
| Assets per employee ($millions) | 4.5095% | 3,033 |
| Cash dividends to net income (ytd only)* | 86.1566% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0441% | 4,352 |
| Loan loss allowance to noncurrent loans | 639.6104% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.1489% | 4,994 |
| Noncurrent loans to loans | 0.1632% | 4,839 |
| Net loans and leases to total assets | 69.0040% | 2,543 |
| Net loans and leases to deposits | 85.6090% | 2,176 |
| Net loans and leases to core deposits | 91.4919% | 2,271 |
| Total domestic deposits to total assets | 80.6037% | 4,586 |
| Equity capital to assets | 10.9263% | 2,904 |
| Core capital (leverage) ratio | 10.3082% | 3,150 |
| Tier 1 risk-based capital ratio | 11.2091% | 5,419 |
| Total risk-based capital ratio | 12.0670% | 5,524 |
| Memoranda: | ||
| Average total assets | $245,334,800 | 2,538 |
| Average earning assets | $226,308,000 | 2,536 |
| Average equity | $29,721,400 | 2,338 |
| Average total loans | $163,874,800 | 2,416 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8855% | 3,789 |
| Cost of funding earning assets | 0.6130% | 1,325 |
| Net interest margin | 3.2726% | 4,452 |
| Noninterest income to average assets | 0.4178% | 3,949 |
| Noninterest expense to average assets | 2.4153% | 4,466 |
| Loan and lease loss provision to assets | 0.0279% | 3,688 |
| Net operating income to assets | 0.9419% | 2,751 |
| Return on assets (ROA) | 1.0336% | 2,400 |
| Pretax return on assets | 1.0950% | 3,249 |
| Return on Equity (ROE) | 8.3015% | 2,924 |
| Retained earnings to average equity (ytd only) | 1.5904% | 5,068 |
| Net charge-offs to loans | 0.0727% | 2,521 |
| Credit loss provision to net charge-offs | 58.1395% | 2,931 |
| Earnings coverage of net charge-offs (x) | 21.3728% | 1,828 |
| Efficiency ratio | 70.2010% | 3,175 |
| Assets per employee ($millions) | 4.1826% | 3,558 |
| Cash dividends to net income (ytd only)* | 80.8419% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 3,856 |
| Loan loss allowance to noncurrent loans | 616.5049% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.1695% | 5,079 |
| Noncurrent loans to loans | 0.1886% | 4,892 |
| Net loans and leases to total assets | 67.9390% | 2,688 |
| Net loans and leases to deposits | 87.4395% | 1,977 |
| Net loans and leases to core deposits | 92.4013% | 2,222 |
| Total domestic deposits to total assets | 77.6983% | 5,236 |
| Equity capital to assets | 12.5428% | 1,723 |
| Core capital (leverage) ratio | 11.7002% | 1,887 |
| Tier 1 risk-based capital ratio | 13.5209% | 4,133 |
| Total risk-based capital ratio | 14.4608% | 4,237 |
| Memoranda: | ||
| Average total assets | $239,026,750 | 2,599 |
| Average earning assets | $220,779,500 | 2,600 |
| Average equity | $29,761,000 | 2,344 |
| Average total loans | $157,675,500 | 2,507 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8375% | 3,931 |
| Cost of funding earning assets | 0.6182% | 1,296 |
| Net interest margin | 3.2193% | 4,605 |
| Noninterest income to average assets | 0.3653% | 4,328 |
| Noninterest expense to average assets | 2.4052% | 4,528 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8879% | 2,951 |
| Return on assets (ROA) | 0.9372% | 2,820 |
| Pretax return on assets | 0.9898% | 3,623 |
| Return on Equity (ROE) | 7.5453% | 3,295 |
| Retained earnings to average equity (ytd only) | 0.5856% | 5,322 |
| Net charge-offs to loans | 0.1632% | 1,490 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 8.8346% | 2,525 |
| Efficiency ratio | 71.9430% | 3,005 |
| Assets per employee ($millions) | 4.5280% | 2,939 |
| Cash dividends to net income (ytd only)* | 92.2391% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1716% | 3,968 |
| Loan loss allowance to noncurrent loans | 378.7056% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.2637% | 4,813 |
| Noncurrent loans to loans | 0.3094% | 4,584 |
| Net loans and leases to total assets | 64.9872% | 3,128 |
| Net loans and leases to deposits | 82.7806% | 2,465 |
| Net loans and leases to core deposits | 86.2251% | 2,745 |
| Total domestic deposits to total assets | 78.5054% | 5,187 |
| Equity capital to assets | 12.4937% | 1,658 |
| Core capital (leverage) ratio | 11.4233% | 2,054 |
| Tier 1 risk-based capital ratio | 13.9124% | 3,976 |
| Total risk-based capital ratio | 14.8424% | 4,096 |
| Memoranda: | ||
| Average total assets | $239,233,000 | 2,615 |
| Average earning assets | $221,291,330 | 2,616 |
| Average equity | $29,713,670 | 2,359 |
| Average total loans | $155,608,330 | 2,544 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7752% | 4,108 |
| Cost of funding earning assets | 0.6292% | 1,237 |
| Net interest margin | 3.1460% | 4,797 |
| Noninterest income to average assets | 0.3285% | 4,562 |
| Noninterest expense to average assets | 2.1997% | 5,144 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9889% | 2,316 |
| Return on assets (ROA) | 1.0866% | 2,028 |
| Pretax return on assets | 1.1430% | 2,893 |
| Return on Equity (ROE) | 8.7737% | 2,562 |
| Retained earnings to average equity (ytd only) | 0.7769% | 5,144 |
| Net charge-offs to loans | 0.5333% | 469 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 3.0144% | 2,665 |
| Efficiency ratio | 67.8955% | 3,842 |
| Assets per employee ($millions) | 4.7594% | 2,674 |
| Cash dividends to net income (ytd only)* | 91.1450% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1200% | 4,421 |
| Loan loss allowance to noncurrent loans | 434.3358% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.2229% | 5,047 |
| Noncurrent loans to loans | 0.2579% | 4,861 |
| Net loans and leases to total assets | 63.0314% | 3,231 |
| Net loans and leases to deposits | 80.4874% | 2,509 |
| Net loans and leases to core deposits | 83.7343% | 2,802 |
| Total domestic deposits to total assets | 78.3121% | 5,391 |
| Equity capital to assets | 12.3557% | 1,782 |
| Core capital (leverage) ratio | 11.5095% | 1,998 |
| Tier 1 risk-based capital ratio | 13.7577% | 4,181 |
| Total risk-based capital ratio | 14.6372% | 4,297 |
| Memoranda: | ||
| Average total assets | $241,122,500 | 2,628 |
| Average earning assets | $223,142,500 | 2,615 |
| Average equity | $29,862,000 | 2,365 |
| Average total loans | $155,998,000 | 2,541 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8947% | 4,135 |
| Cost of funding earning assets | 0.7220% | 993 |
| Net interest margin | 3.1726% | 5,009 |
| Noninterest income to average assets | 0.4673% | 3,734 |
| Noninterest expense to average assets | 2.1604% | 5,428 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1762% | 1,655 |
| Return on assets (ROA) | 1.1971% | 1,657 |
| Pretax return on assets | 1.2525% | 2,432 |
| Return on Equity (ROE) | 10.0095% | 2,119 |
| Retained earnings to average equity (ytd only) | 3.5709% | 3,683 |
| Net charge-offs to loans | -0.0475% | 5,920 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7068% | 4,627 |
| Assets per employee ($millions) | 4.8881% | 2,475 |
| Cash dividends to net income (ytd only)* | 64.3249% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2342% | 3,797 |
| Loan loss allowance to noncurrent loans | 1,866.3462% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0434% | 5,862 |
| Noncurrent loans to loans | 0.0661% | 5,615 |
| Net loans and leases to total assets | 64.8502% | 3,079 |
| Net loans and leases to deposits | 83.0878% | 2,325 |
| Net loans and leases to core deposits | 86.5692% | 2,639 |
| Total domestic deposits to total assets | 78.0502% | 5,428 |
| Equity capital to assets | 12.4138% | 1,696 |
| Core capital (leverage) ratio | 11.3452% | 2,095 |
| Tier 1 risk-based capital ratio | 14.7511% | 3,629 |
| Total risk-based capital ratio | 15.8095% | 3,674 |
| Memoranda: | ||
| Average total assets | $243,753,400 | 2,584 |
| Average earning assets | $224,639,000 | 2,579 |
| Average equity | $29,152,200 | 2,333 |
| Average total loans | $157,790,400 | 2,458 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8929% | 4,198 |
| Cost of funding earning assets | 0.7353% | 965 |
| Net interest margin | 3.1576% | 5,096 |
| Noninterest income to average assets | 0.4466% | 3,918 |
| Noninterest expense to average assets | 2.0979% | 5,575 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2048% | 1,664 |
| Return on assets (ROA) | 1.2325% | 1,630 |
| Pretax return on assets | 1.2848% | 2,438 |
| Return on Equity (ROE) | 10.4018% | 2,035 |
| Retained earnings to average equity (ytd only) | 4.2517% | 3,632 |
| Net charge-offs to loans | -0.0498% | 5,906 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5528% | 4,801 |
| Assets per employee ($millions) | 5.1552% | 2,073 |
| Cash dividends to net income (ytd only)* | 59.1252% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 3,975 |
| Loan loss allowance to noncurrent loans | 3,104.8387% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0256% | 6,070 |
| Noncurrent loans to loans | 0.0402% | 5,856 |
| Net loans and leases to total assets | 62.9362% | 3,354 |
| Net loans and leases to deposits | 80.9266% | 2,562 |
| Net loans and leases to core deposits | 84.1710% | 2,863 |
| Total domestic deposits to total assets | 77.7695% | 5,572 |
| Equity capital to assets | 12.1663% | 1,931 |
| Core capital (leverage) ratio | 11.3620% | 2,170 |
| Tier 1 risk-based capital ratio | 14.7665% | 3,721 |
| Total risk-based capital ratio | 15.8218% | 3,782 |
| Memoranda: | ||
| Average total assets | $244,813,000 | 2,584 |
| Average earning assets | $225,397,750 | 2,585 |
| Average equity | $29,007,000 | 2,351 |
| Average total loans | $157,921,250 | 2,468 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9153% | 4,077 |
| Cost of funding earning assets | 0.7491% | 927 |
| Net interest margin | 3.1662% | 5,050 |
| Noninterest income to average assets | 0.3827% | 4,385 |
| Noninterest expense to average assets | 2.0264% | 5,781 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2183% | 1,538 |
| Return on assets (ROA) | 1.2465% | 1,517 |
| Pretax return on assets | 1.2970% | 2,261 |
| Return on Equity (ROE) | 10.6135% | 1,889 |
| Retained earnings to average equity (ytd only) | 4.5546% | 3,268 |
| Net charge-offs to loans | -0.0679% | 6,006 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5175% | 5,071 |
| Assets per employee ($millions) | 4.7644% | 2,524 |
| Cash dividends to net income (ytd only)* | 57.0869% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 4,184 |
| Loan loss allowance to noncurrent loans | 1,097.1429% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.0720% | 5,957 |
| Noncurrent loans to loans | 0.1137% | 5,671 |
| Net loans and leases to total assets | 62.5596% | 3,309 |
| Net loans and leases to deposits | 81.5186% | 2,311 |
| Net loans and leases to core deposits | 84.9413% | 2,624 |
| Total domestic deposits to total assets | 76.7427% | 5,823 |
| Equity capital to assets | 12.0789% | 1,926 |
| Core capital (leverage) ratio | 10.9810% | 2,444 |
| Tier 1 risk-based capital ratio | 14.6656% | 3,832 |
| Total risk-based capital ratio | 15.7215% | 3,888 |
| Memoranda: | ||
| Average total assets | $245,653,000 | 2,581 |
| Average earning assets | $225,883,670 | 2,583 |
| Average equity | $28,850,000 | 2,354 |
| Average total loans | $159,090,000 | 2,460 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9327% | 3,957 |
| Cost of funding earning assets | 0.7464% | 986 |
| Net interest margin | 3.1863% | 4,966 |
| Noninterest income to average assets | 0.3207% | 4,804 |
| Noninterest expense to average assets | 1.9823% | 5,917 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2263% | 1,408 |
| Return on assets (ROA) | 1.2373% | 1,435 |
| Pretax return on assets | 1.2810% | 2,171 |
| Return on Equity (ROE) | 10.6853% | 1,791 |
| Retained earnings to average equity (ytd only) | 4.5734% | 3,377 |
| Net charge-offs to loans | -0.1212% | 6,195 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9562% | 5,270 |
| Assets per employee ($millions) | 5.0427% | 2,203 |
| Cash dividends to net income (ytd only)* | 57.1990% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 4,630 |
| Loan loss allowance to noncurrent loans | 794.6058% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.0975% | 5,953 |
| Noncurrent loans to loans | 0.1512% | 5,631 |
| Net loans and leases to total assets | 63.7462% | 2,946 |
| Net loans and leases to deposits | 82.8282% | 1,966 |
| Net loans and leases to core deposits | 86.9813% | 2,197 |
| Total domestic deposits to total assets | 76.9619% | 5,971 |
| Equity capital to assets | 11.6568% | 2,133 |
| Core capital (leverage) ratio | 10.9423% | 2,444 |
| Tier 1 risk-based capital ratio | 14.0883% | 4,268 |
| Total risk-based capital ratio | 15.1126% | 4,376 |
| Memoranda: | ||
| Average total assets | $246,986,500 | 2,582 |
| Average earning assets | $227,225,000 | 2,579 |
| Average equity | $28,600,000 | 2,361 |
| Average total loans | $161,669,500 | 2,439 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9037% | 4,450 |
| Cost of funding earning assets | 0.8880% | 788 |
| Net interest margin | 3.0157% | 5,545 |
| Noninterest income to average assets | 0.3966% | 4,472 |
| Noninterest expense to average assets | 1.9593% | 6,089 |
| Loan and lease loss provision to assets | 0.0397% | 4,325 |
| Net operating income to assets | 1.1148% | 1,882 |
| Return on assets (ROA) | 1.1200% | 1,932 |
| Pretax return on assets | 1.1898% | 2,621 |
| Return on Equity (ROE) | 9.8975% | 2,155 |
| Retained earnings to average equity (ytd only) | 3.3716% | 3,827 |
| Net charge-offs to loans | 0.0603% | 4,375 |
| Credit loss provision to net charge-offs | 105.2632% | 2,291 |
| Earnings coverage of net charge-offs (x) | 32.4842% | 1,104 |
| Efficiency ratio | 61.5500% | 5,284 |
| Assets per employee ($millions) | 5.2528% | 1,901 |
| Cash dividends to net income (ytd only)* | 65.9348% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1384% | 4,958 |
| Loan loss allowance to noncurrent loans | 961.8557% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.0786% | 6,112 |
| Noncurrent loans to loans | 0.1184% | 5,846 |
| Net loans and leases to total assets | 65.6374% | 2,744 |
| Net loans and leases to deposits | 85.6598% | 1,726 |
| Net loans and leases to core deposits | 90.0962% | 2,009 |
| Total domestic deposits to total assets | 76.6257% | 6,037 |
| Equity capital to assets | 11.5023% | 2,162 |
| Core capital (leverage) ratio | 10.6343% | 2,748 |
| Tier 1 risk-based capital ratio | 13.8402% | 4,408 |
| Total risk-based capital ratio | 14.8331% | 4,540 |
| Memoranda: | ||
| Average total assets | $252,135,400 | 2,507 |
| Average earning assets | $232,982,600 | 2,488 |
| Average equity | $28,532,400 | 2,338 |
| Average total loans | $157,638,600 | 2,457 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8941% | 4,526 |
| Cost of funding earning assets | 0.9162% | 752 |
| Net interest margin | 2.9779% | 5,648 |
| Noninterest income to average assets | 0.3988% | 4,549 |
| Noninterest expense to average assets | 1.9417% | 6,112 |
| Loan and lease loss provision to assets | 0.0526% | 3,976 |
| Net operating income to assets | 1.0878% | 2,054 |
| Return on assets (ROA) | 1.0947% | 2,101 |
| Pretax return on assets | 1.1663% | 2,826 |
| Return on Equity (ROE) | 9.7129% | 2,298 |
| Retained earnings to average equity (ytd only) | 2.6558% | 4,733 |
| Net charge-offs to loans | -0.0094% | 5,879 |
| Credit loss provision to net charge-offs | -909.0909% | 6,172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5782% | 5,194 |
| Assets per employee ($millions) | 5.4852% | 1,640 |
| Cash dividends to net income (ytd only)* | 72.6573% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2551% | 4,614 |
| Loan loss allowance to noncurrent loans | 287.8832% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.2715% | 5,630 |
| Noncurrent loans to loans | 0.4360% | 5,110 |
| Net loans and leases to total assets | 61.4895% | 3,455 |
| Net loans and leases to deposits | 80.0240% | 2,408 |
| Net loans and leases to core deposits | 85.8719% | 2,422 |
| Total domestic deposits to total assets | 76.8388% | 6,071 |
| Equity capital to assets | 11.2430% | 2,521 |
| Core capital (leverage) ratio | 10.3606% | 3,154 |
| Tier 1 risk-based capital ratio | 13.9353% | 4,476 |
| Total risk-based capital ratio | 15.0086% | 4,553 |
| Memoranda: | ||
| Average total assets | $253,448,750 | 2,516 |
| Average earning assets | $234,434,750 | 2,490 |
| Average equity | $28,566,250 | 2,366 |
| Average total loans | $156,070,000 | 2,480 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8939% | 4,503 |
| Cost of funding earning assets | 0.9413% | 738 |
| Net interest margin | 2.9525% | 5,691 |
| Noninterest income to average assets | 0.3073% | 5,246 |
| Noninterest expense to average assets | 1.9344% | 6,165 |
| Loan and lease loss provision to assets | 0.0788% | 3,481 |
| Net operating income to assets | 0.9534% | 2,550 |
| Return on assets (ROA) | 0.9637% | 2,646 |
| Pretax return on assets | 1.0385% | 3,338 |
| Return on Equity (ROE) | 8.5428% | 2,825 |
| Retained earnings to average equity (ytd only) | 1.2713% | 5,388 |
| Net charge-offs to loans | -0.0141% | 5,858 |
| Credit loss provision to net charge-offs | -909.0909% | 6,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6175% | 4,921 |
| Assets per employee ($millions) | 5.8259% | 1,333 |
| Cash dividends to net income (ytd only)* | 85.1186% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3001% | 4,514 |
| Loan loss allowance to noncurrent loans | 488.1188% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.1576% | 6,022 |
| Noncurrent loans to loans | 0.2664% | 5,644 |
| Net loans and leases to total assets | 58.4022% | 3,923 |
| Net loans and leases to deposits | 76.9235% | 2,737 |
| Net loans and leases to core deposits | 83.5829% | 2,614 |
| Total domestic deposits to total assets | 75.9224% | 6,257 |
| Equity capital to assets | 10.9531% | 2,794 |
| Core capital (leverage) ratio | 9.9792% | 3,558 |
| Tier 1 risk-based capital ratio | 14.0464% | 4,386 |
| Total risk-based capital ratio | 15.1443% | 4,467 |
| Memoranda: | ||
| Average total assets | $253,825,670 | 2,517 |
| Average earning assets | $234,985,670 | 2,498 |
| Average equity | $28,632,330 | 2,374 |
| Average total loans | $155,719,670 | 2,494 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9778% | 4,206 |
| Cost of funding earning assets | 0.9679% | 715 |
| Net interest margin | 3.0098% | 5,539 |
| Noninterest income to average assets | 0.2962% | 5,334 |
| Noninterest expense to average assets | 2.0873% | 5,938 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9154% | 2,582 |
| Return on assets (ROA) | 0.9154% | 2,729 |
| Pretax return on assets | 0.9962% | 3,367 |
| Return on Equity (ROE) | 7.9972% | 2,974 |
| Retained earnings to average equity (ytd only) | -0.2629% | 5,826 |
| Net charge-offs to loans | -0.0127% | 5,526 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6939% | 4,369 |
| Assets per employee ($millions) | 5.6303% | 1,560 |
| Cash dividends to net income (ytd only)* | 103.2872% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1884% | 5,230 |
| Loan loss allowance to noncurrent loans | 234.4221% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.3073% | 5,655 |
| Noncurrent loans to loans | 0.5070% | 5,160 |
| Net loans and leases to total assets | 59.9031% | 3,443 |
| Net loans and leases to deposits | 78.3989% | 2,286 |
| Net loans and leases to core deposits | 85.0665% | 2,209 |
| Total domestic deposits to total assets | 76.4080% | 6,317 |
| Equity capital to assets | 11.1554% | 2,792 |
| Core capital (leverage) ratio | 10.1140% | 3,259 |
| Tier 1 risk-based capital ratio | 13.6883% | 4,730 |
| Total risk-based capital ratio | 14.7088% | 4,862 |
| Memoranda: | ||
| Average total assets | $252,569,500 | 2,557 |
| Average earning assets | $233,900,000 | 2,529 |
| Average equity | $28,910,000 | 2,390 |
| Average total loans | $157,740,000 | 2,484 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4271% | 3,709 |
| Cost of funding earning assets | 1.1222% | 835 |
| Net interest margin | 3.3049% | 5,231 |
| Noninterest income to average assets | 0.5096% | 3,836 |
| Noninterest expense to average assets | 1.9768% | 6,372 |
| Loan and lease loss provision to assets | 0.1262% | 4,035 |
| Net operating income to assets | 1.3945% | 1,109 |
| Return on assets (ROA) | 1.3759% | 1,260 |
| Pretax return on assets | 1.4319% | 1,935 |
| Return on Equity (ROE) | 11.5015% | 1,654 |
| Retained earnings to average equity (ytd only) | 2.6626% | 4,360 |
| Net charge-offs to loans | -0.0675% | 6,763 |
| Credit loss provision to net charge-offs | -300.0000% | 6,450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6174% | 6,103 |
| Assets per employee ($millions) | 5.3510% | 1,839 |
| Cash dividends to net income (ytd only)* | 76.8502% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1744% | 5,240 |
| Loan loss allowance to noncurrent loans | 1,114.3713% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.0678% | 6,442 |
| Noncurrent loans to loans | 0.1054% | 6,223 |
| Net loans and leases to total assets | 63.6241% | 2,961 |
| Net loans and leases to deposits | 81.0432% | 2,140 |
| Net loans and leases to core deposits | 87.4709% | 2,149 |
| Total domestic deposits to total assets | 78.5065% | 5,989 |
| Equity capital to assets | 11.7525% | 2,223 |
| Core capital (leverage) ratio | 10.3798% | 2,916 |
| Tier 1 risk-based capital ratio | 13.8264% | 4,517 |
| Total risk-based capital ratio | 14.8536% | 4,621 |
| Memoranda: | ||
| Average total assets | $237,659,000 | 2,660 |
| Average earning assets | $218,946,200 | 2,620 |
| Average equity | $28,431,000 | 2,358 |
| Average total loans | $148,197,000 | 2,594 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3850% | 4,111 |
| Cost of funding earning assets | 1.1414% | 892 |
| Net interest margin | 3.2436% | 5,570 |
| Noninterest income to average assets | 0.4772% | 4,083 |
| Noninterest expense to average assets | 2.0644% | 6,234 |
| Loan and lease loss provision to assets | 0.1132% | 4,148 |
| Net operating income to assets | 1.2436% | 1,593 |
| Return on assets (ROA) | 1.2436% | 1,765 |
| Pretax return on assets | 1.2884% | 2,647 |
| Return on Equity (ROE) | 10.3483% | 2,197 |
| Retained earnings to average equity (ytd only) | 2.5624% | 5,032 |
| Net charge-offs to loans | -0.1465% | 6,932 |
| Credit loss provision to net charge-offs | -125.0000% | 6,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5623% | 5,566 |
| Assets per employee ($millions) | 5.0862% | 2,064 |
| Cash dividends to net income (ytd only)* | 75.2388% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2620% | 4,996 |
| Loan loss allowance to noncurrent loans | 11,381.2500% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 6,776 |
| Noncurrent loans to loans | 0.0111% | 6,634 |
| Net loans and leases to total assets | 59.5992% | 3,855 |
| Net loans and leases to deposits | 75.9353% | 2,988 |
| Net loans and leases to core deposits | 81.5953% | 3,015 |
| Total domestic deposits to total assets | 78.4869% | 5,972 |
| Equity capital to assets | 12.0987% | 2,178 |
| Core capital (leverage) ratio | 10.5201% | 2,892 |
| Tier 1 risk-based capital ratio | 14.3514% | 4,296 |
| Total risk-based capital ratio | 15.4037% | 4,376 |
| Memoranda: | ||
| Average total assets | $235,537,750 | 2,700 |
| Average earning assets | $217,036,000 | 2,673 |
| Average equity | $28,306,750 | 2,382 |
| Average total loans | $145,629,250 | 2,665 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4737% | 3,879 |
| Cost of funding earning assets | 1.1548% | 1,004 |
| Net interest margin | 3.3189% | 5,397 |
| Noninterest income to average assets | 0.4489% | 4,300 |
| Noninterest expense to average assets | 2.0148% | 6,402 |
| Loan and lease loss provision to assets | 0.1417% | 3,749 |
| Net operating income to assets | 1.3074% | 1,420 |
| Return on assets (ROA) | 1.3074% | 1,572 |
| Pretax return on assets | 1.3483% | 2,393 |
| Return on Equity (ROE) | 10.9033% | 2,018 |
| Retained earnings to average equity (ytd only) | 2.3771% | 5,005 |
| Net charge-offs to loans | -0.2341% | 7,034 |
| Credit loss provision to net charge-offs | -97.0760% | 6,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4872% | 5,933 |
| Assets per employee ($millions) | 5.2189% | 1,907 |
| Cash dividends to net income (ytd only)* | 78.1984% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2410% | 5,155 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 59.6018% | 3,898 |
| Net loans and leases to deposits | 75.9460% | 3,004 |
| Net loans and leases to core deposits | 81.5152% | 3,019 |
| Total domestic deposits to total assets | 78.4792% | 6,063 |
| Equity capital to assets | 11.8424% | 2,276 |
| Core capital (leverage) ratio | 10.4948% | 2,805 |
| Tier 1 risk-based capital ratio | 14.0880% | 4,376 |
| Total risk-based capital ratio | 15.1175% | 4,519 |
| Memoranda: | ||
| Average total assets | $234,367,000 | 2,715 |
| Average earning assets | $215,792,330 | 2,692 |
| Average equity | $28,101,670 | 2,382 |
| Average total loans | $146,074,670 | 2,670 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6124% | 3,449 |
| Cost of funding earning assets | 1.1723% | 1,097 |
| Net interest margin | 3.4400% | 4,955 |
| Noninterest income to average assets | 0.3473% | 5,080 |
| Noninterest expense to average assets | 2.1580% | 6,136 |
| Loan and lease loss provision to assets | 0.1728% | 3,236 |
| Net operating income to assets | 1.1714% | 1,819 |
| Return on assets (ROA) | 1.1714% | 2,002 |
| Pretax return on assets | 1.1852% | 2,963 |
| Return on Equity (ROE) | 9.7074% | 2,511 |
| Retained earnings to average equity (ytd only) | -1.2886% | 6,192 |
| Net charge-offs to loans | -0.1500% | 6,919 |
| Credit loss provision to net charge-offs | -181.8182% | 5,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3759% | 5,387 |
| Assets per employee ($millions) | 5.2566% | 1,923 |
| Cash dividends to net income (ytd only)* | 113.2743% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0710% | 6,005 |
| Loan loss allowance to noncurrent loans | 711.8943% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.1040% | 6,618 |
| Noncurrent loans to loans | 0.1505% | 6,380 |
| Net loans and leases to total assets | 63.1009% | 3,022 |
| Net loans and leases to deposits | 80.4580% | 2,150 |
| Net loans and leases to core deposits | 85.3264% | 2,369 |
| Total domestic deposits to total assets | 78.4272% | 6,205 |
| Equity capital to assets | 11.8716% | 2,131 |
| Core capital (leverage) ratio | 10.7691% | 2,475 |
| Tier 1 risk-based capital ratio | 12.4731% | 5,627 |
| Total risk-based capital ratio | 13.3067% | 5,903 |
| Memoranda: | ||
| Average total assets | $231,515,500 | 2,752 |
| Average earning assets | $213,253,500 | 2,732 |
| Average equity | $27,937,500 | 2,392 |
| Average total loans | $146,670,000 | 2,680 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7996% | 3,813 |
| Cost of funding earning assets | 1.3543% | 1,221 |
| Net interest margin | 3.4454% | 5,352 |
| Noninterest income to average assets | 0.4657% | 4,090 |
| Noninterest expense to average assets | 2.2562% | 6,150 |
| Loan and lease loss provision to assets | 0.1346% | 4,934 |
| Net operating income to assets | 1.2300% | 1,430 |
| Return on assets (ROA) | 1.1575% | 1,758 |
| Pretax return on assets | 1.1830% | 2,510 |
| Return on Equity (ROE) | 9.2551% | 2,341 |
| Retained earnings to average equity (ytd only) | 0.1256% | 5,776 |
| Net charge-offs to loans | 0.4739% | 3,096 |
| Credit loss provision to net charge-offs | 46.0123% | 5,514 |
| Earnings coverage of net charge-offs (x) | 4.7577% | 2,985 |
| Efficiency ratio | 61.8497% | 5,482 |
| Assets per employee ($millions) | 4.7184% | 2,564 |
| Cash dividends to net income (ytd only)* | 98.6434% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0256% | 6,092 |
| Loan loss allowance to noncurrent loans | 253.2062% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.2632% | 6,310 |
| Noncurrent loans to loans | 0.4050% | 5,901 |
| Net loans and leases to total assets | 62.2559% | 3,551 |
| Net loans and leases to deposits | 79.9477% | 2,527 |
| Net loans and leases to core deposits | 84.2943% | 2,853 |
| Total domestic deposits to total assets | 77.8707% | 6,221 |
| Equity capital to assets | 12.2716% | 1,927 |
| Core capital (leverage) ratio | 10.6786% | 2,545 |
| Tier 1 risk-based capital ratio | 14.5419% | 3,942 |
| Total risk-based capital ratio | 15.4209% | 4,149 |
| Memoranda: | ||
| Average total assets | $222,901,400 | 2,810 |
| Average earning assets | $205,869,800 | 2,779 |
| Average equity | $27,876,600 | 2,337 |
| Average total loans | $137,586,000 | 2,843 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8943% | 3,585 |
| Cost of funding earning assets | 1.3833% | 1,306 |
| Net interest margin | 3.5109% | 5,143 |
| Noninterest income to average assets | 0.4318% | 4,424 |
| Noninterest expense to average assets | 2.2587% | 6,152 |
| Loan and lease loss provision to assets | 0.0300% | 6,060 |
| Net operating income to assets | 1.3723% | 1,216 |
| Return on assets (ROA) | 1.3699% | 1,304 |
| Pretax return on assets | 1.3873% | 1,974 |
| Return on Equity (ROE) | 10.9016% | 1,896 |
| Retained earnings to average equity (ytd only) | 5.1903% | 3,066 |
| Net charge-offs to loans | 0.0997% | 4,989 |
| Credit loss provision to net charge-offs | 49.0196% | 5,053 |
| Earnings coverage of net charge-offs (x) | 23.1759% | 1,125 |
| Efficiency ratio | 61.4041% | 5,498 |
| Assets per employee ($millions) | 4.2880% | 3,297 |
| Cash dividends to net income (ytd only)* | 52.3891% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3180% | 4,925 |
| Loan loss allowance to noncurrent loans | 66.8565% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 1.1674% | 4,456 |
| Noncurrent loans to loans | 1.9714% | 3,403 |
| Net loans and leases to total assets | 58.0171% | 4,514 |
| Net loans and leases to deposits | 75.5517% | 3,400 |
| Net loans and leases to core deposits | 79.7870% | 3,670 |
| Total domestic deposits to total assets | 76.7913% | 6,408 |
| Equity capital to assets | 12.7310% | 1,765 |
| Core capital (leverage) ratio | 11.5274% | 2,007 |
| Tier 1 risk-based capital ratio | 15.8129% | 3,211 |
| Total risk-based capital ratio | 16.9169% | 3,264 |
| Memoranda: | ||
| Average total assets | $222,006,000 | 2,825 |
| Average earning assets | $205,295,500 | 2,795 |
| Average equity | $27,897,500 | 2,339 |
| Average total loans | $136,367,500 | 2,900 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9251% | 3,512 |
| Cost of funding earning assets | 1.4125% | 1,365 |
| Net interest margin | 3.5126% | 5,097 |
| Noninterest income to average assets | 0.3650% | 4,955 |
| Noninterest expense to average assets | 2.2238% | 6,319 |
| Loan and lease loss provision to assets | 0.0454% | 5,740 |
| Net operating income to assets | 1.3711% | 1,143 |
| Return on assets (ROA) | 1.3675% | 1,224 |
| Pretax return on assets | 1.3575% | 1,937 |
| Return on Equity (ROE) | 10.9319% | 1,817 |
| Retained earnings to average equity (ytd only) | 6.7943% | 1,969 |
| Net charge-offs to loans | 0.1602% | 4,215 |
| Credit loss provision to net charge-offs | 45.4545% | 4,692 |
| Earnings coverage of net charge-offs (x) | 14.0818% | 1,500 |
| Efficiency ratio | 61.2556% | 5,694 |
| Assets per employee ($millions) | 4.0770% | 3,594 |
| Cash dividends to net income (ytd only)* | 37.8486% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2914% | 5,100 |
| Loan loss allowance to noncurrent loans | 63.9548% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 1.2536% | 4,391 |
| Noncurrent loans to loans | 2.0192% | 3,454 |
| Net loans and leases to total assets | 60.8615% | 4,114 |
| Net loans and leases to deposits | 79.8793% | 2,821 |
| Net loans and leases to core deposits | 84.4933% | 3,136 |
| Total domestic deposits to total assets | 76.1918% | 6,570 |
| Equity capital to assets | 12.9188% | 1,561 |
| Core capital (leverage) ratio | 11.5619% | 1,870 |
| Tier 1 risk-based capital ratio | 15.5427% | 3,220 |
| Total risk-based capital ratio | 16.6295% | 3,263 |
| Memoranda: | ||
| Average total assets | $220,253,330 | 2,860 |
| Average earning assets | $204,746,670 | 2,819 |
| Average equity | $27,552,330 | 2,343 |
| Average total loans | $137,285,670 | 2,905 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8646% | 3,752 |
| Cost of funding earning assets | 1.4541% | 1,365 |
| Net interest margin | 3.4105% | 5,388 |
| Noninterest income to average assets | 0.3177% | 5,382 |
| Noninterest expense to average assets | 2.2551% | 6,295 |
| Loan and lease loss provision to assets | 0.0908% | 4,877 |
| Net operating income to assets | 1.2510% | 1,388 |
| Return on assets (ROA) | 1.2438% | 1,455 |
| Pretax return on assets | 1.1457% | 2,583 |
| Return on Equity (ROE) | 10.1079% | 2,060 |
| Retained earnings to average equity (ytd only) | 6.8616% | 2,209 |
| Net charge-offs to loans | -0.0261% | 6,661 |
| Credit loss provision to net charge-offs | -555.5556% | 5,982 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4525% | 5,290 |
| Assets per employee ($millions) | 4.2381% | 3,369 |
| Cash dividends to net income (ytd only)* | 32.1168% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3670% | 4,819 |
| Loan loss allowance to noncurrent loans | 193.1889% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.5332% | 5,899 |
| Noncurrent loans to loans | 0.7076% | 5,600 |
| Net loans and leases to total assets | 61.2914% | 4,015 |
| Net loans and leases to deposits | 79.9728% | 2,728 |
| Net loans and leases to core deposits | 84.6344% | 3,078 |
| Total domestic deposits to total assets | 76.6403% | 6,588 |
| Equity capital to assets | 12.4621% | 1,648 |
| Core capital (leverage) ratio | 11.2956% | 1,959 |
| Tier 1 risk-based capital ratio | 15.2807% | 3,268 |
| Total risk-based capital ratio | 16.4434% | 3,278 |
| Memoranda: | ||
| Average total assets | $220,300,500 | 2,879 |
| Average earning assets | $205,484,000 | 2,833 |
| Average equity | $27,107,500 | 2,368 |
| Average total loans | $138,056,000 | 2,927 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3356% | 2,956 |
| Cost of funding earning assets | 1.6682% | 1,739 |
| Net interest margin | 3.6674% | 4,500 |
| Noninterest income to average assets | 0.0109% | 7,245 |
| Noninterest expense to average assets | 2.2116% | 6,585 |
| Loan and lease loss provision to assets | 0.0911% | 6,229 |
| Net operating income to assets | 1.0175% | 1,975 |
| Return on assets (ROA) | 0.9429% | 2,354 |
| Pretax return on assets | 1.0153% | 2,878 |
| Return on Equity (ROE) | 7.9019% | 2,739 |
| Retained earnings to average equity (ytd only) | 6.3360% | 1,647 |
| Net charge-offs to loans | 0.7246% | 2,842 |
| Credit loss provision to net charge-offs | 18.7266% | 6,564 |
| Earnings coverage of net charge-offs (x) | 2.4382% | 3,910 |
| Efficiency ratio | 65.0798% | 5,147 |
| Assets per employee ($millions) | 4.1551% | 3,467 |
| Cash dividends to net income (ytd only)* | 19.8163% | 3,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3028% | 4,989 |
| Loan loss allowance to noncurrent loans | 97.2639% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.9263% | 5,159 |
| Noncurrent loans to loans | 1.3394% | 4,480 |
| Net loans and leases to total assets | 62.3705% | 4,207 |
| Net loans and leases to deposits | 82.6273% | 2,692 |
| Net loans and leases to core deposits | 83.8009% | 3,627 |
| Total domestic deposits to total assets | 75.4842% | 6,699 |
| Equity capital to assets | 12.1473% | 1,830 |
| Core capital (leverage) ratio | 10.9835% | 2,172 |
| Tier 1 risk-based capital ratio | 14.8246% | 3,356 |
| Total risk-based capital ratio | 15.9382% | 3,392 |
| Memoranda: | ||
| Average total assets | $219,433,400 | 2,876 |
| Average earning assets | $202,677,000 | 2,839 |
| Average equity | $26,183,600 | 2,442 |
| Average total loans | $147,400,600 | 2,817 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4051% | 2,856 |
| Cost of funding earning assets | 1.7083% | 1,833 |
| Net interest margin | 3.6968% | 4,412 |
| Noninterest income to average assets | 0.1338% | 6,887 |
| Noninterest expense to average assets | 2.2380% | 6,500 |
| Loan and lease loss provision to assets | 0.1216% | 5,812 |
| Net operating income to assets | 1.0940% | 1,908 |
| Return on assets (ROA) | 0.9968% | 2,362 |
| Pretax return on assets | 1.0716% | 2,921 |
| Return on Equity (ROE) | 8.3914% | 2,746 |
| Retained earnings to average equity (ytd only) | 7.1115% | 1,793 |
| Net charge-offs to loans | 0.2774% | 4,282 |
| Credit loss provision to net charge-offs | 64.3087% | 5,583 |
| Earnings coverage of net charge-offs (x) | 6.8617% | 2,436 |
| Efficiency ratio | 63.2955% | 5,384 |
| Assets per employee ($millions) | 4.0532% | 3,729 |
| Cash dividends to net income (ytd only)* | 15.2534% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8222% | 2,714 |
| Loan loss allowance to noncurrent loans | 101.9437% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 1.4179% | 4,326 |
| Noncurrent loans to loans | 1.7874% | 3,965 |
| Net loans and leases to total assets | 64.4588% | 4,029 |
| Net loans and leases to deposits | 86.3968% | 2,259 |
| Net loans and leases to core deposits | 91.9559% | 2,806 |
| Total domestic deposits to total assets | 74.6078% | 6,842 |
| Equity capital to assets | 12.6498% | 1,780 |
| Core capital (leverage) ratio | 11.2744% | 2,084 |
| Tier 1 risk-based capital ratio | 14.6768% | 3,409 |
| Total risk-based capital ratio | 15.9307% | 3,383 |
| Memoranda: | ||
| Average total assets | $219,236,500 | 2,928 |
| Average earning assets | $201,755,250 | 2,893 |
| Average equity | $26,041,750 | 2,493 |
| Average total loans | $149,459,250 | 2,819 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4600% | 2,699 |
| Cost of funding earning assets | 1.7492% | 1,869 |
| Net interest margin | 3.7107% | 4,311 |
| Noninterest income to average assets | 0.0353% | 7,408 |
| Noninterest expense to average assets | 2.2083% | 6,625 |
| Loan and lease loss provision to assets | 0.1812% | 5,056 |
| Net operating income to assets | 0.9480% | 2,375 |
| Return on assets (ROA) | 0.8110% | 3,068 |
| Pretax return on assets | 0.8998% | 3,491 |
| Return on Equity (ROE) | 6.9747% | 3,314 |
| Retained earnings to average equity (ytd only) | 6.9747% | 1,842 |
| Net charge-offs to loans | 0.3415% | 3,636 |
| Credit loss provision to net charge-offs | 76.9231% | 4,791 |
| Earnings coverage of net charge-offs (x) | 5.2346% | 2,716 |
| Efficiency ratio | 64.1654% | 5,307 |
| Assets per employee ($millions) | 4.2247% | 3,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7949% | 2,732 |
| Loan loss allowance to noncurrent loans | 312.3957% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.7811% | 5,560 |
| Noncurrent loans to loans | 0.5746% | 6,101 |
| Net loans and leases to total assets | 66.5578% | 3,724 |
| Net loans and leases to deposits | 88.5228% | 2,089 |
| Net loans and leases to core deposits | 94.5376% | 2,642 |
| Total domestic deposits to total assets | 75.1872% | 6,830 |
| Equity capital to assets | 12.1168% | 2,032 |
| Core capital (leverage) ratio | 10.7094% | 2,458 |
| Tier 1 risk-based capital ratio | 14.0988% | 3,665 |
| Total risk-based capital ratio | 15.3529% | 3,623 |
| Memoranda: | ||
| Average total assets | $220,709,330 | 2,928 |
| Average earning assets | $202,602,000 | 2,906 |
| Average equity | $25,664,330 | 2,522 |
| Average total loans | $152,266,000 | 2,794 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5102% | 2,535 |
| Cost of funding earning assets | 1.7831% | 1,948 |
| Net interest margin | 3.7271% | 4,114 |
| Noninterest income to average assets | 0.2704% | 5,994 |
| Noninterest expense to average assets | 2.2693% | 6,481 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3039% | 1,290 |
| Return on assets (ROA) | 1.3039% | 1,360 |
| Pretax return on assets | 1.4042% | 1,767 |
| Return on Equity (ROE) | 11.4452% | 1,660 |
| Retained earnings to average equity (ytd only) | 11.4452% | 843 |
| Net charge-offs to loans | -0.0283% | 7,174 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7747% | 5,874 |
| Assets per employee ($millions) | 4.3876% | 3,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7851% | 2,779 |
| Loan loss allowance to noncurrent loans | 227.3649% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 1.1847% | 4,807 |
| Noncurrent loans to loans | 0.7851% | 5,749 |
| Net loans and leases to total assets | 66.1898% | 3,807 |
| Net loans and leases to deposits | 87.2637% | 2,363 |
| Net loans and leases to core deposits | 93.0936% | 2,965 |
| Total domestic deposits to total assets | 75.8503% | 6,785 |
| Equity capital to assets | 11.5223% | 2,344 |
| Core capital (leverage) ratio | 10.7254% | 2,434 |
| Tier 1 risk-based capital ratio | 13.5220% | 3,967 |
| Total risk-based capital ratio | 14.7760% | 3,929 |
| Memoranda: | ||
| Average total assets | $223,333,500 | 2,948 |
| Average earning assets | $203,911,000 | 2,942 |
| Average equity | $25,443,000 | 2,572 |
| Average total loans | $155,385,500 | 2,823 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7243% | 2,988 |
| Cost of funding earning assets | 2.3064% | 1,628 |
| Net interest margin | 3.4179% | 5,301 |
| Noninterest income to average assets | 0.2200% | 6,539 |
| Noninterest expense to average assets | 2.3564% | 6,584 |
| Loan and lease loss provision to assets | 1.1381% | 2,002 |
| Net operating income to assets | -0.1611% | 5,781 |
| Return on assets (ROA) | -0.1611% | 5,784 |
| Pretax return on assets | -0.1508% | 5,643 |
| Return on Equity (ROE) | -1.5126% | 5,779 |
| Retained earnings to average equity (ytd only) | -2.3506% | 5,582 |
| Net charge-offs to loans | 1.3044% | 1,904 |
| Credit loss provision to net charge-offs | 120.5674% | 4,436 |
| Earnings coverage of net charge-offs (x) | 1.0459% | 5,066 |
| Efficiency ratio | 66.2840% | 5,341 |
| Assets per employee ($millions) | 4.2865% | 3,291 |
| Cash dividends to net income (ytd only)* | -55.4017% | 7,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6760% | 2,983 |
| Loan loss allowance to noncurrent loans | 180.6604% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 1.2530% | 4,588 |
| Noncurrent loans to loans | 0.9277% | 5,461 |
| Net loans and leases to total assets | 70.5639% | 3,110 |
| Net loans and leases to deposits | 93.3105% | 1,690 |
| Net loans and leases to core deposits | 110.3343% | 2,859 |
| Total domestic deposits to total assets | 75.6227% | 6,754 |
| Equity capital to assets | 11.2620% | 2,489 |
| Core capital (leverage) ratio | 10.0605% | 3,026 |
| Tier 1 risk-based capital ratio | 12.4621% | 4,555 |
| Total risk-based capital ratio | 13.7151% | 4,499 |
| Memoranda: | ||
| Average total assets | $224,066,800 | 2,887 |
| Average earning assets | $204,774,400 | 2,909 |
| Average equity | $23,866,400 | 2,739 |
| Average total loans | $162,145,200 | 2,726 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7544% | 3,085 |
| Cost of funding earning assets | 2.4135% | 1,582 |
| Net interest margin | 3.3409% | 5,484 |
| Noninterest income to average assets | 0.1117% | 7,337 |
| Noninterest expense to average assets | 2.4781% | 6,151 |
| Loan and lease loss provision to assets | 1.5154% | 1,262 |
| Net operating income to assets | -0.8451% | 6,724 |
| Return on assets (ROA) | -0.8451% | 6,720 |
| Pretax return on assets | -0.8314% | 6,560 |
| Return on Equity (ROE) | -8.0483% | 6,734 |
| Retained earnings to average equity (ytd only) | -9.1802% | 6,718 |
| Net charge-offs to loans | 1.7186% | 1,179 |
| Credit loss provision to net charge-offs | 121.6023% | 4,174 |
| Earnings coverage of net charge-offs (x) | 0.5489% | 5,481 |
| Efficiency ratio | 72.4676% | 4,157 |
| Assets per employee ($millions) | 4.2355% | 3,314 |
| Cash dividends to net income (ytd only)* | -14.0647% | 7,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7428% | 2,464 |
| Loan loss allowance to noncurrent loans | 134.2786% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 1.4420% | 4,226 |
| Noncurrent loans to loans | 1.2979% | 4,772 |
| Net loans and leases to total assets | 66.5330% | 4,296 |
| Net loans and leases to deposits | 87.5079% | 3,056 |
| Net loans and leases to core deposits | 105.4436% | 3,763 |
| Total domestic deposits to total assets | 76.0309% | 6,574 |
| Equity capital to assets | 10.6591% | 3,334 |
| Core capital (leverage) ratio | 9.6231% | 3,753 |
| Tier 1 risk-based capital ratio | 12.0953% | 4,882 |
| Total risk-based capital ratio | 13.3473% | 4,829 |
| Memoranda: | ||
| Average total assets | $224,358,500 | 2,901 |
| Average earning assets | $204,847,000 | 2,922 |
| Average equity | $23,557,250 | 2,802 |
| Average total loans | $162,689,500 | 2,748 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8704% | 2,713 |
| Cost of funding earning assets | 2.5083% | 1,582 |
| Net interest margin | 3.3621% | 5,306 |
| Noninterest income to average assets | -0.0502% | 8,009 |
| Noninterest expense to average assets | 2.5778% | 5,828 |
| Loan and lease loss provision to assets | 2.2880% | 698 |
| Net operating income to assets | -1.8734% | 7,393 |
| Return on assets (ROA) | -1.8734% | 7,386 |
| Pretax return on assets | -1.8528% | 7,233 |
| Return on Equity (ROE) | -17.9356% | 7,452 |
| Retained earnings to average equity (ytd only) | -17.9356% | 7,390 |
| Net charge-offs to loans | 1.7060% | 1,107 |
| Credit loss provision to net charge-offs | 180.8511% | 2,530 |
| Earnings coverage of net charge-offs (x) | 0.3440% | 5,340 |
| Efficiency ratio | 76.2061% | 3,653 |
| Assets per employee ($millions) | 4.0999% | 3,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7960% | 2,055 |
| Loan loss allowance to noncurrent loans | 101.5043% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 2.0658% | 3,108 |
| Noncurrent loans to loans | 1.7694% | 3,852 |
| Net loans and leases to total assets | 71.3112% | 3,401 |
| Net loans and leases to deposits | 90.9052% | 2,675 |
| Net loans and leases to core deposits | 111.9332% | 3,141 |
| Total domestic deposits to total assets | 78.4456% | 5,964 |
| Equity capital to assets | 10.5436% | 3,350 |
| Core capital (leverage) ratio | 9.4741% | 3,930 |
| Tier 1 risk-based capital ratio | 11.7750% | 5,128 |
| Total risk-based capital ratio | 13.0294% | 5,039 |
| Memoranda: | ||
| Average total assets | $222,906,330 | 2,940 |
| Average earning assets | $203,085,670 | 2,959 |
| Average equity | $23,283,330 | 2,835 |
| Average total loans | $165,296,000 | 2,734 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8423% | 3,081 |
| Cost of funding earning assets | 2.5603% | 1,700 |
| Net interest margin | 3.2820% | 5,566 |
| Noninterest income to average assets | 0.1258% | 7,393 |
| Noninterest expense to average assets | 2.2648% | 6,646 |
| Loan and lease loss provision to assets | 1.2405% | 1,044 |
| Net operating income to assets | -0.4466% | 6,823 |
| Return on assets (ROA) | -0.4466% | 6,889 |
| Pretax return on assets | -0.4058% | 6,747 |
| Return on Equity (ROE) | -4.2949% | 6,916 |
| Retained earnings to average equity (ytd only) | -4.2949% | 6,461 |
| Net charge-offs to loans | 0.2295% | 3,263 |
| Credit loss provision to net charge-offs | 721.6495% | 831 |
| Earnings coverage of net charge-offs (x) | 4.8557% | 2,800 |
| Efficiency ratio | 73.0703% | 3,997 |
| Assets per employee ($millions) | 4.2164% | 3,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7277% | 2,050 |
| Loan loss allowance to noncurrent loans | 40.0422% | 5,874 |
| Noncurrent assets plus other real estate owned to assets | 4.2028% | 1,195 |
| Noncurrent loans to loans | 4.3147% | 1,354 |
| Net loans and leases to total assets | 72.5159% | 3,119 |
| Net loans and leases to deposits | 91.8131% | 2,631 |
| Net loans and leases to core deposits | 113.8110% | 3,024 |
| Total domestic deposits to total assets | 78.9821% | 5,735 |
| Equity capital to assets | 10.6882% | 3,301 |
| Core capital (leverage) ratio | 9.8282% | 3,604 |
| Tier 1 risk-based capital ratio | 11.6601% | 5,247 |
| Total risk-based capital ratio | 12.9136% | 5,156 |
| Memoranda: | ||
| Average total assets | $225,711,000 | 2,922 |
| Average earning assets | $204,510,000 | 2,958 |
| Average equity | $23,469,500 | 2,822 |
| Average total loans | $169,048,500 | 2,717 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4989% | 2,967 |
| Cost of funding earning assets | 3.1458% | 1,370 |
| Net interest margin | 3.3531% | 5,854 |
| Noninterest income to average assets | 0.5186% | 4,480 |
| Noninterest expense to average assets | 1.9804% | 7,479 |
| Loan and lease loss provision to assets | 0.5074% | 2,779 |
| Net operating income to assets | 1.1051% | 2,125 |
| Return on assets (ROA) | 1.1051% | 2,038 |
| Pretax return on assets | 1.1650% | 2,788 |
| Return on Equity (ROE) | 13.3643% | 1,247 |
| Retained earnings to average equity (ytd only) | 5.0806% | 1,977 |
| Net charge-offs to loans | 1.0086% | 1,223 |
| Credit loss provision to net charge-offs | 62.7353% | 6,194 |
| Earnings coverage of net charge-offs (x) | 2.0678% | 5,043 |
| Efficiency ratio | 54.2159% | 7,247 |
| Assets per employee ($millions) | 3.4670% | 4,759 |
| Cash dividends to net income (ytd only)* | 61.9835% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1209% | 5,122 |
| Loan loss allowance to noncurrent loans | 28.0324% | 6,834 |
| Noncurrent assets plus other real estate owned to assets | 3.6086% | 1,221 |
| Noncurrent loans to loans | 3.9988% | 1,229 |
| Net loans and leases to total assets | 78.3634% | 2,034 |
| Net loans and leases to deposits | 100.0094% | 1,832 |
| Net loans and leases to core deposits | 118.6822% | 2,816 |
| Total domestic deposits to total assets | 78.3560% | 5,592 |
| Equity capital to assets | 9.0615% | 5,280 |
| Core capital (leverage) ratio | 9.2849% | 4,317 |
| Tier 1 risk-based capital ratio | 10.2610% | 6,457 |
| Total risk-based capital ratio | 11.2461% | 6,623 |
| Memoranda: | ||
| Average total assets | $197,079,400 | 3,177 |
| Average earning assets | $184,216,400 | 3,132 |
| Average equity | $16,297,200 | 3,865 |
| Average total loans | $158,034,200 | 2,801 |