Home > Phelps County Bank > Performance and Condition Ratios
Phelps County 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 | 4.2832% | 3,465 |
| Cost of funding earning assets | 0.4107% | 4,278 |
| Net interest margin | 3.8726% | 1,433 |
| Noninterest income to average assets | 0.9400% | 704 |
| Noninterest expense to average assets | 2.9620% | 1,177 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.6510% | 794 |
| Return on assets (ROA) | 1.6510% | 762 |
| Pretax return on assets | 1.6510% | 1,147 |
| Return on Equity (ROE) | 27.6900% | 225 |
| Retained earnings to average equity (ytd only) | 17.3302% | 209 |
| Net charge-offs to loans | -0.0035% | 3,762 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 62.8633% | 2,743 |
| Assets per employee ($millions) | 4.7929% | 3,781 |
| Cash dividends to net income (ytd only)* | 37.4158% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0672% | 2,993 |
| Loan loss allowance to noncurrent loans | 451.6908% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.1710% | 2,394 |
| Noncurrent loans to loans | 0.2363% | 2,362 |
| Net loans and leases to total assets | 71.6200% | 1,628 |
| Net loans and leases to deposits | 80.8958% | 2,038 |
| Net loans and leases to core deposits | 81.2627% | 2,635 |
| Total domestic deposits to total assets | 88.5400% | 1,197 |
| Equity capital to assets | 6.7222% | 4,043 |
| Core capital (leverage) ratio | 9.2644% | 3,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5688% | 1,658 |
| Memoranda: | ||
| Average total assets | $485,651,200 | 1,761 |
| Average earning assets | $473,614,000 | 1,700 |
| Average equity | $28,955,200 | 2,318 |
| Average total loans | $318,207,000 | 1,728 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2386% | 3,404 |
| Cost of funding earning assets | 0.3718% | 4,289 |
| Net interest margin | 3.8669% | 1,464 |
| Noninterest income to average assets | 0.9400% | 706 |
| Noninterest expense to average assets | 2.8534% | 1,313 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.8083% | 659 |
| Return on assets (ROA) | 1.8083% | 651 |
| Pretax return on assets | 1.8083% | 1,001 |
| Return on Equity (ROE) | 31.3100% | 202 |
| Retained earnings to average equity (ytd only) | 17.0590% | 387 |
| Net charge-offs to loans | -0.0056% | 3,772 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.5685% | 2,902 |
| Assets per employee ($millions) | 4.7152% | 3,799 |
| Cash dividends to net income (ytd only)* | 45.5235% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0743% | 2,999 |
| Loan loss allowance to noncurrent loans | 459.3112% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.1646% | 2,481 |
| Noncurrent loans to loans | 0.2339% | 2,412 |
| Net loans and leases to total assets | 69.6300% | 1,872 |
| Net loans and leases to deposits | 79.1932% | 2,125 |
| Net loans and leases to core deposits | 79.5626% | 2,633 |
| Total domestic deposits to total assets | 87.9200% | 1,604 |
| Equity capital to assets | 5.8131% | 4,046 |
| Core capital (leverage) ratio | 8.8069% | 3,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5722% | 1,413 |
| Memoranda: | ||
| Average total assets | $485,905,500 | 1,760 |
| Average earning assets | $474,101,750 | 1,700 |
| Average equity | $28,058,750 | 2,350 |
| Average total loans | $310,144,500 | 1,758 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1702% | 3,356 |
| Cost of funding earning assets | 0.3371% | 4,262 |
| Net interest margin | 3.8330% | 1,558 |
| Noninterest income to average assets | 0.9000% | 691 |
| Noninterest expense to average assets | 2.7751% | 1,470 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.7918% | 670 |
| Return on assets (ROA) | 1.7918% | 666 |
| Pretax return on assets | 1.7918% | 1,026 |
| Return on Equity (ROE) | 31.1000% | 198 |
| Retained earnings to average equity (ytd only) | 9.8071% | 1,464 |
| Net charge-offs to loans | -0.0172% | 4,084 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.8026% | 2,987 |
| Assets per employee ($millions) | 4.8666% | 3,701 |
| Cash dividends to net income (ytd only)* | 68.4619% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1438% | 2,736 |
| Loan loss allowance to noncurrent loans | 438.0606% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.1925% | 2,233 |
| Noncurrent loans to loans | 0.2611% | 2,225 |
| Net loans and leases to total assets | 65.5000% | 2,212 |
| Net loans and leases to deposits | 72.6220% | 2,600 |
| Net loans and leases to core deposits | 73.0021% | 2,961 |
| Total domestic deposits to total assets | 90.1900% | 866 |
| Equity capital to assets | 5.8263% | 4,197 |
| Core capital (leverage) ratio | 8.2569% | 4,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4824% | 1,431 |
| Memoranda: | ||
| Average total assets | $489,129,667 | 1,750 |
| Average earning assets | $477,534,667 | 1,693 |
| Average equity | $28,183,667 | 2,345 |
| Average total loans | $301,793,333 | 1,776 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0568% | 3,351 |
| Cost of funding earning assets | 0.3230% | 4,134 |
| Net interest margin | 3.7338% | 1,818 |
| Noninterest income to average assets | 0.8700% | 729 |
| Noninterest expense to average assets | 2.7680% | 1,512 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.6929% | 833 |
| Return on assets (ROA) | 1.6929% | 829 |
| Pretax return on assets | 1.6929% | 1,282 |
| Return on Equity (ROE) | 29.5400% | 244 |
| Retained earnings to average equity (ytd only) | 29.5398% | 117 |
| Net charge-offs to loans | -0.0556% | 4,391 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.1637% | 2,799 |
| Assets per employee ($millions) | 5.2383% | 3,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1774% | 2,676 |
| Loan loss allowance to noncurrent loans | 399.2081% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.1984% | 2,146 |
| Noncurrent loans to loans | 0.2949% | 2,087 |
| Net loans and leases to total assets | 60.1600% | 2,633 |
| Net loans and leases to deposits | 67.0572% | 2,847 |
| Net loans and leases to core deposits | 67.4398% | 3,141 |
| Total domestic deposits to total assets | 89.7100% | 1,260 |
| Equity capital to assets | 5.9210% | 4,229 |
| Core capital (leverage) ratio | 8.3189% | 4,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4454% | 1,276 |
| Memoranda: | ||
| Average total assets | $495,231,500 | 1,753 |
| Average earning assets | $484,225,500 | 1,694 |
| Average equity | $28,382,000 | 2,365 |
| Average total loans | $294,701,500 | 1,813 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2348% | 3,753 |
| Cost of funding earning assets | 0.1439% | 4,155 |
| Net interest margin | 3.0909% | 3,200 |
| Noninterest income to average assets | 0.9700% | 682 |
| Noninterest expense to average assets | 2.5586% | 1,944 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.3801% | 1,176 |
| Return on assets (ROA) | 1.3789% | 1,137 |
| Pretax return on assets | 1.3789% | 1,827 |
| Return on Equity (ROE) | 24.5700% | 226 |
| Retained earnings to average equity (ytd only) | 11.4770% | 786 |
| Net charge-offs to loans | 0.0334% | 1,407 |
| Credit loss provision to net charge-offs | 222.2222% | 1,056 |
| Earnings coverage of net charge-offs (x) | 80.4778% | 1,085 |
| Efficiency ratio | 64.3202% | 2,457 |
| Assets per employee ($millions) | 5.3556% | 3,363 |
| Cash dividends to net income (ytd only)* | 53.2898% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1765% | 2,511 |
| Loan loss allowance to noncurrent loans | 438.6100% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.1747% | 2,321 |
| Noncurrent loans to loans | 0.2682% | 2,191 |
| Net loans and leases to total assets | 57.4700% | 2,875 |
| Net loans and leases to deposits | 62.5192% | 3,156 |
| Net loans and leases to core deposits | 62.9488% | 3,329 |
| Total domestic deposits to total assets | 91.9300% | 657 |
| Equity capital to assets | 5.5432% | 4,231 |
| Core capital (leverage) ratio | 7.8453% | 4,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0361% | 1,363 |
| Memoranda: | ||
| Average total assets | $510,321,800 | 1,697 |
| Average earning assets | $497,429,800 | 1,635 |
| Average equity | $28,639,800 | 2,400 |
| Average total loans | $269,777,800 | 1,857 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0395% | 3,812 |
| Cost of funding earning assets | 0.1253% | 4,075 |
| Net interest margin | 2.9142% | 3,452 |
| Noninterest income to average assets | 0.9900% | 677 |
| Noninterest expense to average assets | 2.4267% | 2,237 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4024% | 1,087 |
| Return on assets (ROA) | 1.4009% | 1,060 |
| Pretax return on assets | 1.4009% | 1,721 |
| Return on Equity (ROE) | 24.8900% | 188 |
| Retained earnings to average equity (ytd only) | 7.5852% | 2,154 |
| Net charge-offs to loans | 0.0201% | 1,431 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 135.0000% | 792 |
| Efficiency ratio | 63.3749% | 2,643 |
| Assets per employee ($millions) | 5.4165% | 3,310 |
| Cash dividends to net income (ytd only)* | 69.5217% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1693% | 2,700 |
| Loan loss allowance to noncurrent loans | 353.3623% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.2013% | 2,261 |
| Noncurrent loans to loans | 0.3309% | 2,041 |
| Net loans and leases to total assets | 55.2600% | 2,977 |
| Net loans and leases to deposits | 60.7748% | 3,130 |
| Net loans and leases to core deposits | 61.2007% | 3,285 |
| Total domestic deposits to total assets | 90.9300% | 1,268 |
| Equity capital to assets | 5.0006% | 4,298 |
| Core capital (leverage) ratio | 7.3448% | 4,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9101% | 1,194 |
| Memoranda: | ||
| Average total assets | $513,385,500 | 1,698 |
| Average earning assets | $500,066,250 | 1,640 |
| Average equity | $28,897,500 | 2,415 |
| Average total loans | $264,805,000 | 1,879 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7890% | 3,996 |
| Cost of funding earning assets | 0.1077% | 4,107 |
| Net interest margin | 2.6813% | 3,740 |
| Noninterest income to average assets | 0.9923% | 680 |
| Noninterest expense to average assets | 2.4162% | 2,177 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1886% | 1,466 |
| Return on assets (ROA) | 1.1886% | 1,443 |
| Pretax return on assets | 1.1886% | 2,116 |
| Return on Equity (ROE) | 20.3880% | 284 |
| Retained earnings to average equity (ytd only) | -4.4270% | 4,516 |
| Net charge-offs to loans | 0.0231% | 1,264 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 102.7000% | 800 |
| Efficiency ratio | 67.0270% | 2,381 |
| Assets per employee ($millions) | 5.5182% | 3,210 |
| Cash dividends to net income (ytd only)* | 121.7137% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2312% | 2,524 |
| Loan loss allowance to noncurrent loans | 348.4009% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.1848% | 2,435 |
| Noncurrent loans to loans | 0.3534% | 2,083 |
| Net loans and leases to total assets | 51.6420% | 3,199 |
| Net loans and leases to deposits | 57.2028% | 3,292 |
| Net loans and leases to core deposits | 57.6136% | 3,454 |
| Total domestic deposits to total assets | 90.2788% | 1,591 |
| Equity capital to assets | 4.6317% | 4,544 |
| Core capital (leverage) ratio | 6.7069% | 4,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5052% | 1,570 |
| Memoranda: | ||
| Average total assets | $518,407,333 | 1,698 |
| Average earning assets | $505,133,333 | 1,645 |
| Average equity | $30,223,667 | 2,409 |
| Average total loans | $260,197,333 | 1,896 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6927% | 3,963 |
| Cost of funding earning assets | 0.1019% | 4,108 |
| Net interest margin | 2.5907% | 3,683 |
| Noninterest income to average assets | 0.9989% | 679 |
| Noninterest expense to average assets | 2.3575% | 2,313 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1646% | 1,344 |
| Return on assets (ROA) | 1.1646% | 1,339 |
| Pretax return on assets | 1.1646% | 1,934 |
| Return on Equity (ROE) | 18.1664% | 324 |
| Retained earnings to average equity (ytd only) | 18.1664% | 137 |
| Net charge-offs to loans | 0.0280% | 1,038 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 84.7222% | 724 |
| Efficiency ratio | 66.9341% | 2,644 |
| Assets per employee ($millions) | 5.5781% | 3,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 2,524 |
| Loan loss allowance to noncurrent loans | 449.9314% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.1405% | 2,808 |
| Noncurrent loans to loans | 0.2811% | 2,463 |
| Net loans and leases to total assets | 49.3572% | 3,238 |
| Net loans and leases to deposits | 55.9582% | 3,268 |
| Net loans and leases to core deposits | 56.2318% | 3,431 |
| Total domestic deposits to total assets | 88.2037% | 2,426 |
| Equity capital to assets | 6.1702% | 4,546 |
| Core capital (leverage) ratio | 7.1169% | 4,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7131% | 1,333 |
| Memoranda: | ||
| Average total assets | $523,774,000 | 1,700 |
| Average earning assets | $510,128,000 | 1,647 |
| Average equity | $33,578,500 | 2,303 |
| Average total loans | $257,575,500 | 1,899 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1829% | 3,509 |
| Cost of funding earning assets | 0.1225% | 4,205 |
| Net interest margin | 3.0605% | 3,018 |
| Noninterest income to average assets | 1.1350% | 817 |
| Noninterest expense to average assets | 2.5888% | 1,902 |
| Loan and lease loss provision to assets | 0.0411% | 2,225 |
| Net operating income to assets | 1.4819% | 1,057 |
| Return on assets (ROA) | 1.4819% | 1,110 |
| Pretax return on assets | 1.4819% | 1,784 |
| Return on Equity (ROE) | 20.8467% | 269 |
| Retained earnings to average equity (ytd only) | 12.1798% | 518 |
| Net charge-offs to loans | 0.0112% | 2,141 |
| Credit loss provision to net charge-offs | 714.2857% | 654 |
| Earnings coverage of net charge-offs (x) | 264.8571% | 444 |
| Efficiency ratio | 62.9607% | 2,721 |
| Assets per employee ($millions) | 5.5661% | 3,198 |
| Cash dividends to net income (ytd only)* | 41.5743% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 2,413 |
| Loan loss allowance to noncurrent loans | 395.9184% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.1575% | 2,841 |
| Noncurrent loans to loans | 0.3256% | 2,420 |
| Net loans and leases to total assets | 47.7559% | 3,518 |
| Net loans and leases to deposits | 54.2893% | 3,576 |
| Net loans and leases to core deposits | 54.5962% | 3,719 |
| Total domestic deposits to total assets | 87.9656% | 2,064 |
| Equity capital to assets | 6.6470% | 4,770 |
| Core capital (leverage) ratio | 6.9528% | 4,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6419% | 1,352 |
| Memoranda: | ||
| Average total assets | $486,946,400 | 1,728 |
| Average earning assets | $473,618,600 | 1,678 |
| Average equity | $34,614,600 | 2,309 |
| Average total loans | $249,073,600 | 1,936 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4025% | 3,093 |
| Cost of funding earning assets | 0.1293% | 4,269 |
| Net interest margin | 3.2732% | 2,501 |
| Noninterest income to average assets | 1.1775% | 827 |
| Noninterest expense to average assets | 2.5335% | 2,023 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.8247% | 633 |
| Return on assets (ROA) | 1.8247% | 663 |
| Pretax return on assets | 1.8247% | 1,106 |
| Return on Equity (ROE) | 25.2150% | 170 |
| Retained earnings to average equity (ytd only) | 13.6148% | 553 |
| Net charge-offs to loans | 0.0151% | 1,784 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 232.8929% | 509 |
| Efficiency ratio | 58.1316% | 3,243 |
| Assets per employee ($millions) | 5.1339% | 3,567 |
| Cash dividends to net income (ytd only)* | 46.0052% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2882% | 2,549 |
| Loan loss allowance to noncurrent loans | 370.5742% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.1696% | 2,993 |
| Noncurrent loans to loans | 0.3476% | 2,533 |
| Net loans and leases to total assets | 48.1667% | 3,613 |
| Net loans and leases to deposits | 54.0912% | 3,732 |
| Net loans and leases to core deposits | 54.4003% | 3,888 |
| Total domestic deposits to total assets | 89.0472% | 1,252 |
| Equity capital to assets | 7.2146% | 4,773 |
| Core capital (leverage) ratio | 7.0309% | 4,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7299% | 1,183 |
| Memoranda: | ||
| Average total assets | $476,487,250 | 1,774 |
| Average earning assets | $463,025,000 | 1,722 |
| Average equity | $34,481,250 | 2,342 |
| Average total loans | $247,386,250 | 1,972 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4117% | 3,143 |
| Cost of funding earning assets | 0.1385% | 4,291 |
| Net interest margin | 3.2733% | 2,541 |
| Noninterest income to average assets | 1.1647% | 844 |
| Noninterest expense to average assets | 2.5472% | 2,008 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.7990% | 719 |
| Return on assets (ROA) | 1.7990% | 753 |
| Pretax return on assets | 1.7990% | 1,238 |
| Return on Equity (ROE) | 24.8342% | 200 |
| Retained earnings to average equity (ytd only) | 21.9035% | 114 |
| Net charge-offs to loans | 0.0064% | 1,912 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 529.6250% | 248 |
| Efficiency ratio | 58.6069% | 3,201 |
| Assets per employee ($millions) | 5.0421% | 3,626 |
| Cash dividends to net income (ytd only)* | 11.8008% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 2,650 |
| Loan loss allowance to noncurrent loans | 294.4287% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.2188% | 2,840 |
| Noncurrent loans to loans | 0.4272% | 2,398 |
| Net loans and leases to total assets | 50.5730% | 3,497 |
| Net loans and leases to deposits | 57.5658% | 3,586 |
| Net loans and leases to core deposits | 57.9608% | 3,759 |
| Total domestic deposits to total assets | 87.8525% | 1,910 |
| Equity capital to assets | 7.3971% | 4,766 |
| Core capital (leverage) ratio | 7.2013% | 4,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2391% | 1,551 |
| Memoranda: | ||
| Average total assets | $471,030,000 | 1,781 |
| Average earning assets | $457,830,333 | 1,731 |
| Average equity | $34,122,333 | 2,352 |
| Average total loans | $249,684,333 | 1,961 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9903% | 4,108 |
| Cost of funding earning assets | 0.1491% | 4,310 |
| Net interest margin | 2.8412% | 3,664 |
| Noninterest income to average assets | 1.1272% | 943 |
| Noninterest expense to average assets | 2.5058% | 2,162 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3786% | 1,617 |
| Return on assets (ROA) | 1.3786% | 1,700 |
| Pretax return on assets | 1.3786% | 2,341 |
| Return on Equity (ROE) | 19.2422% | 599 |
| Retained earnings to average equity (ytd only) | 19.2422% | 303 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5090% | 2,407 |
| Assets per employee ($millions) | 5.1752% | 3,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2415% | 2,710 |
| Loan loss allowance to noncurrent loans | 382.1516% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.1737% | 3,302 |
| Noncurrent loans to loans | 0.3249% | 2,936 |
| Net loans and leases to total assets | 52.8022% | 3,370 |
| Net loans and leases to deposits | 59.8464% | 3,500 |
| Net loans and leases to core deposits | 60.2577% | 3,683 |
| Total domestic deposits to total assets | 88.2296% | 1,724 |
| Equity capital to assets | 7.1429% | 4,809 |
| Core capital (leverage) ratio | 7.0958% | 4,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7840% | 1,360 |
| Memoranda: | ||
| Average total assets | $464,523,500 | 1,794 |
| Average earning assets | $450,797,500 | 1,742 |
| Average equity | $33,281,000 | 2,384 |
| Average total loans | $250,570,000 | 1,959 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5114% | 4,006 |
| Cost of funding earning assets | 0.2431% | 4,410 |
| Net interest margin | 3.2683% | 3,162 |
| Noninterest income to average assets | 1.4721% | 561 |
| Noninterest expense to average assets | 2.8514% | 1,813 |
| Loan and lease loss provision to assets | 0.0918% | 3,202 |
| Net operating income to assets | 1.6927% | 507 |
| Return on assets (ROA) | 1.6939% | 545 |
| Pretax return on assets | 1.6939% | 862 |
| Return on Equity (ROE) | 21.8931% | 161 |
| Retained earnings to average equity (ytd only) | 6.2775% | 1,672 |
| Net charge-offs to loans | 0.0467% | 2,128 |
| Credit loss provision to net charge-offs | 336.2832% | 1,616 |
| Earnings coverage of net charge-offs (x) | 65.3540% | 1,022 |
| Efficiency ratio | 61.5064% | 3,220 |
| Assets per employee ($millions) | 4.9258% | 3,473 |
| Cash dividends to net income (ytd only)* | 71.3267% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 2,652 |
| Loan loss allowance to noncurrent loans | 379.4903% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.1799% | 3,382 |
| Noncurrent loans to loans | 0.3305% | 3,024 |
| Net loans and leases to total assets | 53.7473% | 3,512 |
| Net loans and leases to deposits | 60.4770% | 3,720 |
| Net loans and leases to core deposits | 61.1274% | 3,880 |
| Total domestic deposits to total assets | 88.8724% | 1,039 |
| Equity capital to assets | 7.1868% | 4,890 |
| Core capital (leverage) ratio | 6.9535% | 4,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9926% | 1,528 |
| Memoranda: | ||
| Average total assets | $413,835,000 | 1,815 |
| Average earning assets | $400,606,200 | 1,765 |
| Average equity | $32,019,200 | 2,389 |
| Average total loans | $241,848,600 | 1,959 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7796% | 3,623 |
| Cost of funding earning assets | 0.2590% | 4,479 |
| Net interest margin | 3.5206% | 2,522 |
| Noninterest income to average assets | 1.5105% | 511 |
| Noninterest expense to average assets | 2.8303% | 1,883 |
| Loan and lease loss provision to assets | 0.0596% | 3,599 |
| Net operating income to assets | 2.0269% | 277 |
| Return on assets (ROA) | 2.0286% | 301 |
| Pretax return on assets | 2.0286% | 491 |
| Return on Equity (ROE) | 25.6987% | 106 |
| Retained earnings to average equity (ytd only) | 8.9241% | 1,001 |
| Net charge-offs to loans | 0.0083% | 2,814 |
| Credit loss provision to net charge-offs | 1,200.0000% | 733 |
| Earnings coverage of net charge-offs (x) | 420.2000% | 273 |
| Efficiency ratio | 57.5641% | 3,727 |
| Assets per employee ($millions) | 4.6175% | 3,703 |
| Cash dividends to net income (ytd only)* | 65.2742% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2285% | 2,512 |
| Loan loss allowance to noncurrent loans | 351.2195% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.1984% | 3,445 |
| Noncurrent loans to loans | 0.3498% | 3,032 |
| Net loans and leases to total assets | 56.0150% | 3,625 |
| Net loans and leases to deposits | 63.7029% | 3,814 |
| Net loans and leases to core deposits | 64.3020% | 4,000 |
| Total domestic deposits to total assets | 87.9316% | 1,243 |
| Equity capital to assets | 7.6764% | 4,815 |
| Core capital (leverage) ratio | 7.4849% | 4,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2789% | 1,426 |
| Memoranda: | ||
| Average total assets | $402,768,000 | 1,833 |
| Average earning assets | $389,695,000 | 1,781 |
| Average equity | $31,793,250 | 2,389 |
| Average total loans | $239,974,500 | 1,972 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0717% | 3,119 |
| Cost of funding earning assets | 0.2754% | 4,553 |
| Net interest margin | 3.7964% | 1,845 |
| Noninterest income to average assets | 1.4452% | 502 |
| Noninterest expense to average assets | 2.8628% | 1,933 |
| Loan and lease loss provision to assets | 0.0918% | 3,122 |
| Net operating income to assets | 2.1593% | 236 |
| Return on assets (ROA) | 2.1619% | 258 |
| Pretax return on assets | 2.1619% | 385 |
| Return on Equity (ROE) | 27.1123% | 87 |
| Retained earnings to average equity (ytd only) | 11.1301% | 581 |
| Net charge-offs to loans | -0.0050% | 4,016 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9809% | 3,948 |
| Assets per employee ($millions) | 4.6560% | 3,592 |
| Cash dividends to net income (ytd only)* | 58.9484% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2283% | 2,362 |
| Loan loss allowance to noncurrent loans | 397.0013% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.1810% | 3,626 |
| Noncurrent loans to loans | 0.3094% | 3,277 |
| Net loans and leases to total assets | 57.7915% | 3,534 |
| Net loans and leases to deposits | 65.9408% | 3,726 |
| Net loans and leases to core deposits | 66.5637% | 3,951 |
| Total domestic deposits to total assets | 87.6415% | 1,356 |
| Equity capital to assets | 7.8022% | 4,806 |
| Core capital (leverage) ratio | 7.4226% | 4,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2133% | 1,442 |
| Memoranda: | ||
| Average total assets | $392,343,000 | 1,841 |
| Average earning assets | $379,150,000 | 1,787 |
| Average equity | $31,284,667 | 2,394 |
| Average total loans | $237,915,000 | 1,967 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8232% | 4,184 |
| Cost of funding earning assets | 0.3092% | 4,632 |
| Net interest margin | 3.5140% | 2,932 |
| Noninterest income to average assets | 1.3434% | 497 |
| Noninterest expense to average assets | 2.9108% | 2,091 |
| Loan and lease loss provision to assets | 0.0425% | 3,246 |
| Net operating income to assets | 1.7820% | 425 |
| Return on assets (ROA) | 1.7873% | 468 |
| Pretax return on assets | 1.7873% | 720 |
| Return on Equity (ROE) | 22.1462% | 110 |
| Retained earnings to average equity (ytd only) | 22.1462% | 43 |
| Net charge-offs to loans | 0.0515% | 1,494 |
| Credit loss provision to net charge-offs | 133.3333% | 1,648 |
| Earnings coverage of net charge-offs (x) | 57.2667% | 823 |
| Efficiency ratio | 61.4712% | 3,562 |
| Assets per employee ($millions) | 4.2052% | 3,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 2,520 |
| Loan loss allowance to noncurrent loans | 383.0441% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.2441% | 3,483 |
| Noncurrent loans to loans | 0.3206% | 3,342 |
| Net loans and leases to total assets | 60.9796% | 3,402 |
| Net loans and leases to deposits | 69.7234% | 3,615 |
| Net loans and leases to core deposits | 70.3243% | 3,862 |
| Total domestic deposits to total assets | 87.4593% | 1,354 |
| Equity capital to assets | 8.4436% | 4,856 |
| Core capital (leverage) ratio | 8.2970% | 4,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1720% | 1,561 |
| Memoranda: | ||
| Average total assets | $376,665,000 | 1,863 |
| Average earning assets | $363,573,500 | 1,800 |
| Average equity | $30,398,000 | 2,431 |
| Average total loans | $232,919,000 | 1,973 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9391% | 4,364 |
| Cost of funding earning assets | 0.3230% | 4,674 |
| Net interest margin | 3.6162% | 3,088 |
| Noninterest income to average assets | 1.3228% | 544 |
| Noninterest expense to average assets | 3.1239% | 1,705 |
| Loan and lease loss provision to assets | 0.1252% | 1,694 |
| Net operating income to assets | 1.5670% | 900 |
| Return on assets (ROA) | 1.5670% | 961 |
| Pretax return on assets | 1.5670% | 1,597 |
| Return on Equity (ROE) | 21.2143% | 158 |
| Retained earnings to average equity (ytd only) | 2.7863% | 3,648 |
| Net charge-offs to loans | 0.0714% | 2,076 |
| Credit loss provision to net charge-offs | 282.2086% | 995 |
| Earnings coverage of net charge-offs (x) | 38.1350% | 1,357 |
| Efficiency ratio | 64.8635% | 2,957 |
| Assets per employee ($millions) | 3.9879% | 3,912 |
| Cash dividends to net income (ytd only)* | 86.8659% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 2,283 |
| Loan loss allowance to noncurrent loans | 419.2082% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.2206% | 3,574 |
| Noncurrent loans to loans | 0.2937% | 3,377 |
| Net loans and leases to total assets | 61.1749% | 3,482 |
| Net loans and leases to deposits | 68.4905% | 3,779 |
| Net loans and leases to core deposits | 69.0043% | 4,020 |
| Total domestic deposits to total assets | 89.3188% | 551 |
| Equity capital to assets | 7.6934% | 5,096 |
| Core capital (leverage) ratio | 7.9376% | 5,053 |
| Tier 1 risk-based capital ratio | 14.2353% | 3,150 |
| Total risk-based capital ratio | 15.4870% | 3,065 |
| Memoranda: | ||
| Average total assets | $367,325,200 | 1,855 |
| Average earning assets | $354,848,600 | 1,796 |
| Average equity | $27,132,600 | 2,553 |
| Average total loans | $228,182,400 | 1,969 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9549% | 4,451 |
| Cost of funding earning assets | 0.3259% | 4,732 |
| Net interest margin | 3.6290% | 3,176 |
| Noninterest income to average assets | 1.3164% | 539 |
| Noninterest expense to average assets | 3.0395% | 1,860 |
| Loan and lease loss provision to assets | 0.0657% | 2,574 |
| Net operating income to assets | 1.7177% | 721 |
| Return on assets (ROA) | 1.7177% | 759 |
| Pretax return on assets | 1.7177% | 1,291 |
| Return on Equity (ROE) | 23.5050% | 124 |
| Retained earnings to average equity (ytd only) | 3.5347% | 3,638 |
| Net charge-offs to loans | 0.0810% | 1,673 |
| Credit loss provision to net charge-offs | 130.4348% | 1,818 |
| Earnings coverage of net charge-offs (x) | 35.4194% | 1,470 |
| Efficiency ratio | 63.0229% | 3,157 |
| Assets per employee ($millions) | 4.0368% | 3,851 |
| Cash dividends to net income (ytd only)* | 84.9617% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1173% | 2,939 |
| Loan loss allowance to noncurrent loans | 481.3309% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.1827% | 3,843 |
| Noncurrent loans to loans | 0.2321% | 3,712 |
| Net loans and leases to total assets | 61.3868% | 3,552 |
| Net loans and leases to deposits | 68.8480% | 3,852 |
| Net loans and leases to core deposits | 69.3279% | 4,088 |
| Total domestic deposits to total assets | 89.1627% | 564 |
| Equity capital to assets | 7.5574% | 5,187 |
| Core capital (leverage) ratio | 7.9739% | 5,124 |
| Tier 1 risk-based capital ratio | 14.2306% | 3,205 |
| Total risk-based capital ratio | 15.4811% | 3,109 |
| Memoranda: | ||
| Average total assets | $365,440,000 | 1,877 |
| Average earning assets | $353,108,250 | 1,819 |
| Average equity | $26,705,750 | 2,598 |
| Average total loans | $227,182,250 | 1,990 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9627% | 4,454 |
| Cost of funding earning assets | 0.3286% | 4,742 |
| Net interest margin | 3.6341% | 3,149 |
| Noninterest income to average assets | 1.2648% | 542 |
| Noninterest expense to average assets | 3.0797% | 1,794 |
| Loan and lease loss provision to assets | 0.0663% | 2,492 |
| Net operating income to assets | 1.6310% | 849 |
| Return on assets (ROA) | 1.6310% | 886 |
| Pretax return on assets | 1.6310% | 1,455 |
| Return on Equity (ROE) | 22.5848% | 150 |
| Retained earnings to average equity (ytd only) | -0.3595% | 4,745 |
| Net charge-offs to loans | 0.1092% | 1,317 |
| Credit loss provision to net charge-offs | 97.5610% | 2,037 |
| Earnings coverage of net charge-offs (x) | 24.9837% | 1,611 |
| Efficiency ratio | 64.4699% | 3,059 |
| Assets per employee ($millions) | 4.1570% | 3,634 |
| Cash dividends to net income (ytd only)* | 101.5916% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1080% | 3,030 |
| Loan loss allowance to noncurrent loans | 441.9689% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.2209% | 3,689 |
| Noncurrent loans to loans | 0.2507% | 3,635 |
| Net loans and leases to total assets | 62.4329% | 3,498 |
| Net loans and leases to deposits | 70.3115% | 3,815 |
| Net loans and leases to core deposits | 70.8799% | 4,071 |
| Total domestic deposits to total assets | 88.7947% | 746 |
| Equity capital to assets | 7.5002% | 5,235 |
| Core capital (leverage) ratio | 7.7343% | 5,207 |
| Tier 1 risk-based capital ratio | 13.8924% | 3,376 |
| Total risk-based capital ratio | 15.1423% | 3,276 |
| Memoranda: | ||
| Average total assets | $362,114,000 | 1,896 |
| Average earning assets | $349,962,670 | 1,833 |
| Average equity | $26,150,330 | 2,626 |
| Average total loans | $225,222,670 | 2,008 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9461% | 4,479 |
| Cost of funding earning assets | 0.3260% | 4,749 |
| Net interest margin | 3.6202% | 3,179 |
| Noninterest income to average assets | 1.2302% | 541 |
| Noninterest expense to average assets | 3.1344% | 1,646 |
| Loan and lease loss provision to assets | 0.0666% | 2,333 |
| Net operating income to assets | 1.5311% | 1,048 |
| Return on assets (ROA) | 1.5311% | 1,075 |
| Pretax return on assets | 1.5311% | 1,677 |
| Return on Equity (ROE) | 21.6254% | 188 |
| Retained earnings to average equity (ytd only) | 21.6254% | 76 |
| Net charge-offs to loans | 0.0090% | 2,373 |
| Credit loss provision to net charge-offs | 1,200.0000% | 321 |
| Earnings coverage of net charge-offs (x) | 287.8000% | 284 |
| Efficiency ratio | 66.2365% | 2,912 |
| Assets per employee ($millions) | 3.9848% | 3,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1839% | 2,674 |
| Loan loss allowance to noncurrent loans | 371.7330% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.2267% | 3,718 |
| Noncurrent loans to loans | 0.3185% | 3,428 |
| Net loans and leases to total assets | 60.9066% | 3,611 |
| Net loans and leases to deposits | 67.9442% | 3,933 |
| Net loans and leases to core deposits | 68.5476% | 4,151 |
| Total domestic deposits to total assets | 89.6421% | 581 |
| Equity capital to assets | 7.5297% | 5,264 |
| Core capital (leverage) ratio | 8.3173% | 5,099 |
| Tier 1 risk-based capital ratio | 15.3977% | 2,705 |
| Total risk-based capital ratio | 16.6494% | 2,618 |
| Memoranda: | ||
| Average total assets | $360,262,500 | 1,916 |
| Average earning assets | $348,492,000 | 1,856 |
| Average equity | $25,507,000 | 2,680 |
| Average total loans | $222,359,500 | 2,051 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7869% | 4,522 |
| Cost of funding earning assets | 0.2991% | 4,574 |
| Net interest margin | 3.4878% | 3,745 |
| Noninterest income to average assets | 1.1779% | 670 |
| Noninterest expense to average assets | 2.9761% | 2,112 |
| Loan and lease loss provision to assets | 0.0739% | 2,653 |
| Net operating income to assets | 1.5071% | 1,099 |
| Return on assets (ROA) | 1.4816% | 1,153 |
| Pretax return on assets | 1.4816% | 1,837 |
| Return on Equity (ROE) | 22.7737% | 135 |
| Retained earnings to average equity (ytd only) | 1.7454% | 4,447 |
| Net charge-offs to loans | 0.0340% | 2,722 |
| Credit loss provision to net charge-offs | 364.8649% | 877 |
| Earnings coverage of net charge-offs (x) | 78.0811% | 869 |
| Efficiency ratio | 65.3077% | 2,988 |
| Assets per employee ($millions) | 4.0662% | 3,799 |
| Cash dividends to net income (ytd only)* | 92.3361% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1454% | 2,852 |
| Loan loss allowance to noncurrent loans | 258.7879% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.2736% | 3,486 |
| Noncurrent loans to loans | 0.4426% | 2,954 |
| Net loans and leases to total assets | 61.0981% | 3,656 |
| Net loans and leases to deposits | 67.1081% | 4,041 |
| Net loans and leases to core deposits | 67.7025% | 4,250 |
| Total domestic deposits to total assets | 91.0443% | 195 |
| Equity capital to assets | 6.6346% | 5,356 |
| Core capital (leverage) ratio | 7.9670% | 5,248 |
| Tier 1 risk-based capital ratio | 14.3286% | 3,152 |
| Total risk-based capital ratio | 15.5800% | 3,069 |
| Memoranda: | ||
| Average total assets | $365,476,200 | 1,853 |
| Average earning assets | $354,092,400 | 1,792 |
| Average equity | $23,777,400 | 2,743 |
| Average total loans | $217,890,200 | 2,040 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7683% | 4,509 |
| Cost of funding earning assets | 0.2933% | 4,566 |
| Net interest margin | 3.4750% | 3,781 |
| Noninterest income to average assets | 1.1613% | 697 |
| Noninterest expense to average assets | 2.9754% | 2,088 |
| Loan and lease loss provision to assets | 0.0655% | 2,664 |
| Net operating income to assets | 1.4881% | 1,226 |
| Return on assets (ROA) | 1.4822% | 1,243 |
| Pretax return on assets | 1.4822% | 1,961 |
| Return on Equity (ROE) | 22.8950% | 140 |
| Retained earnings to average equity (ytd only) | -5.2108% | 5,325 |
| Net charge-offs to loans | 0.0339% | 2,410 |
| Credit loss provision to net charge-offs | 327.2727% | 959 |
| Earnings coverage of net charge-offs (x) | 77.6198% | 894 |
| Efficiency ratio | 65.6971% | 2,921 |
| Assets per employee ($millions) | 4.0003% | 3,884 |
| Cash dividends to net income (ytd only)* | 122.7597% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1188% | 3,083 |
| Loan loss allowance to noncurrent loans | 354.8433% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.2017% | 3,932 |
| Noncurrent loans to loans | 0.3153% | 3,537 |
| Net loans and leases to total assets | 63.2601% | 3,515 |
| Net loans and leases to deposits | 69.8255% | 3,927 |
| Net loans and leases to core deposits | 70.4590% | 4,161 |
| Total domestic deposits to total assets | 90.5974% | 313 |
| Equity capital to assets | 6.2809% | 5,438 |
| Core capital (leverage) ratio | 7.4451% | 5,399 |
| Tier 1 risk-based capital ratio | 12.7719% | 4,039 |
| Total risk-based capital ratio | 13.9722% | 3,966 |
| Memoranda: | ||
| Average total assets | $366,372,250 | 1,854 |
| Average earning assets | $355,061,750 | 1,792 |
| Average equity | $23,719,250 | 2,767 |
| Average total loans | $216,445,000 | 2,058 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7276% | 4,519 |
| Cost of funding earning assets | 0.2852% | 4,531 |
| Net interest margin | 3.4423% | 3,826 |
| Noninterest income to average assets | 1.1292% | 751 |
| Noninterest expense to average assets | 2.9102% | 2,329 |
| Loan and lease loss provision to assets | 0.0644% | 2,613 |
| Net operating income to assets | 1.4916% | 1,183 |
| Return on assets (ROA) | 1.4916% | 1,180 |
| Pretax return on assets | 1.4916% | 1,844 |
| Return on Equity (ROE) | 22.8273% | 135 |
| Retained earnings to average equity (ytd only) | -5.9328% | 5,324 |
| Net charge-offs to loans | 0.0317% | 2,220 |
| Credit loss provision to net charge-offs | 352.9412% | 895 |
| Earnings coverage of net charge-offs (x) | 85.2353% | 790 |
| Efficiency ratio | 65.1599% | 3,129 |
| Assets per employee ($millions) | 4.0531% | 3,811 |
| Cash dividends to net income (ytd only)* | 125.9899% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1297% | 3,097 |
| Loan loss allowance to noncurrent loans | 320.1044% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.2100% | 3,953 |
| Noncurrent loans to loans | 0.3529% | 3,431 |
| Net loans and leases to total assets | 58.8295% | 3,916 |
| Net loans and leases to deposits | 64.4795% | 4,249 |
| Net loans and leases to core deposits | 65.0547% | 4,426 |
| Total domestic deposits to total assets | 91.2376% | 196 |
| Equity capital to assets | 6.1087% | 5,505 |
| Core capital (leverage) ratio | 7.3269% | 5,457 |
| Tier 1 risk-based capital ratio | 12.7966% | 4,010 |
| Total risk-based capital ratio | 13.9713% | 3,957 |
| Memoranda: | ||
| Average total assets | $372,489,000 | 1,836 |
| Average earning assets | $361,092,000 | 1,771 |
| Average equity | $24,339,330 | 2,721 |
| Average total loans | $214,376,670 | 2,075 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6519% | 4,586 |
| Cost of funding earning assets | 0.2860% | 4,452 |
| Net interest margin | 3.3660% | 4,003 |
| Noninterest income to average assets | 1.0554% | 824 |
| Noninterest expense to average assets | 2.8963% | 2,381 |
| Loan and lease loss provision to assets | 0.0638% | 2,497 |
| Net operating income to assets | 1.3605% | 1,451 |
| Return on assets (ROA) | 1.3605% | 1,463 |
| Pretax return on assets | 1.3605% | 2,146 |
| Return on Equity (ROE) | 20.1833% | 235 |
| Retained earnings to average equity (ytd only) | 20.1833% | 99 |
| Net charge-offs to loans | 0.0131% | 2,288 |
| Credit loss provision to net charge-offs | 857.1429% | 388 |
| Earnings coverage of net charge-offs (x) | 191.4286% | 349 |
| Efficiency ratio | 67.0357% | 3,001 |
| Assets per employee ($millions) | 4.1913% | 3,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1337% | 3,183 |
| Loan loss allowance to noncurrent loans | 332.7373% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.1971% | 4,095 |
| Noncurrent loans to loans | 0.3407% | 3,540 |
| Net loans and leases to total assets | 57.1970% | 4,013 |
| Net loans and leases to deposits | 63.2472% | 4,260 |
| Net loans and leases to core deposits | 63.8023% | 4,435 |
| Total domestic deposits to total assets | 90.4341% | 490 |
| Equity capital to assets | 6.7589% | 5,529 |
| Core capital (leverage) ratio | 7.7962% | 5,446 |
| Tier 1 risk-based capital ratio | 15.1541% | 2,803 |
| Total risk-based capital ratio | 16.4040% | 2,739 |
| Memoranda: | ||
| Average total assets | $376,345,500 | 1,838 |
| Average earning assets | $365,067,000 | 1,766 |
| Average equity | $25,367,500 | 2,664 |
| Average total loans | $213,041,000 | 2,092 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5415% | 4,709 |
| Cost of funding earning assets | 0.2848% | 4,274 |
| Net interest margin | 3.2567% | 4,291 |
| Noninterest income to average assets | 1.1341% | 790 |
| Noninterest expense to average assets | 2.8643% | 2,564 |
| Loan and lease loss provision to assets | 0.0608% | 3,017 |
| Net operating income to assets | 1.3653% | 1,084 |
| Return on assets (ROA) | 1.3653% | 1,105 |
| Pretax return on assets | 1.3653% | 2,109 |
| Return on Equity (ROE) | 20.2122% | 188 |
| Retained earnings to average equity (ytd only) | 4.1614% | 2,672 |
| Net charge-offs to loans | 0.0508% | 2,779 |
| Credit loss provision to net charge-offs | 216.9811% | 1,258 |
| Earnings coverage of net charge-offs (x) | 50.8774% | 1,070 |
| Efficiency ratio | 66.7612% | 3,122 |
| Assets per employee ($millions) | 4.2182% | 3,626 |
| Cash dividends to net income (ytd only)* | 79.4112% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1124% | 3,277 |
| Loan loss allowance to noncurrent loans | 322.7831% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.1910% | 4,178 |
| Noncurrent loans to loans | 0.3446% | 3,524 |
| Net loans and leases to total assets | 54.7951% | 4,288 |
| Net loans and leases to deposits | 60.1790% | 4,555 |
| Net loans and leases to core deposits | 60.6939% | 4,722 |
| Total domestic deposits to total assets | 91.0535% | 229 |
| Equity capital to assets | 6.7228% | 5,599 |
| Core capital (leverage) ratio | 7.3451% | 5,577 |
| Tier 1 risk-based capital ratio | 14.2651% | 3,216 |
| Total risk-based capital ratio | 15.4954% | 3,122 |
| Memoranda: | ||
| Average total assets | $378,169,600 | 1,794 |
| Average earning assets | $366,510,600 | 1,728 |
| Average equity | $25,544,000 | 2,639 |
| Average total loans | $208,561,200 | 2,091 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7302% | 4,236 |
| Cost of funding earning assets | 0.2860% | 4,261 |
| Net interest margin | 3.4442% | 3,697 |
| Noninterest income to average assets | 0.9538% | 1,135 |
| Noninterest expense to average assets | 2.8326% | 2,623 |
| Loan and lease loss provision to assets | 0.0602% | 2,881 |
| Net operating income to assets | 1.3983% | 1,093 |
| Return on assets (ROA) | 1.3983% | 1,117 |
| Pretax return on assets | 1.3983% | 2,122 |
| Return on Equity (ROE) | 20.6757% | 191 |
| Retained earnings to average equity (ytd only) | 4.9766% | 2,903 |
| Net charge-offs to loans | 0.0842% | 1,961 |
| Credit loss provision to net charge-offs | 129.7710% | 1,893 |
| Earnings coverage of net charge-offs (x) | 31.4584% | 1,509 |
| Efficiency ratio | 66.0124% | 3,206 |
| Assets per employee ($millions) | 3.8731% | 4,204 |
| Cash dividends to net income (ytd only)* | 75.9301% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0957% | 3,505 |
| Loan loss allowance to noncurrent loans | 402.2928% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.1525% | 4,508 |
| Noncurrent loans to loans | 0.2724% | 3,976 |
| Net loans and leases to total assets | 55.3776% | 4,287 |
| Net loans and leases to deposits | 61.5456% | 4,555 |
| Net loans and leases to core deposits | 62.1446% | 4,702 |
| Total domestic deposits to total assets | 89.9782% | 482 |
| Equity capital to assets | 7.2489% | 5,640 |
| Core capital (leverage) ratio | 7.3585% | 5,636 |
| Tier 1 risk-based capital ratio | 14.6734% | 3,085 |
| Total risk-based capital ratio | 15.8980% | 3,020 |
| Memoranda: | ||
| Average total assets | $376,747,250 | 1,813 |
| Average earning assets | $365,044,500 | 1,743 |
| Average equity | $25,478,500 | 2,663 |
| Average total loans | $207,526,000 | 2,106 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6688% | 4,318 |
| Cost of funding earning assets | 0.2844% | 4,239 |
| Net interest margin | 3.3844% | 3,830 |
| Noninterest income to average assets | 0.9303% | 1,183 |
| Noninterest expense to average assets | 2.8336% | 2,642 |
| Loan and lease loss provision to assets | 0.0581% | 2,812 |
| Net operating income to assets | 1.3156% | 1,268 |
| Return on assets (ROA) | 1.3156% | 1,290 |
| Pretax return on assets | 1.3156% | 2,330 |
| Return on Equity (ROE) | 19.9224% | 219 |
| Retained earnings to average equity (ytd only) | -0.8885% | 5,218 |
| Net charge-offs to loans | 0.0492% | 2,238 |
| Credit loss provision to net charge-offs | 215.6863% | 1,202 |
| Earnings coverage of net charge-offs (x) | 50.9608% | 1,062 |
| Efficiency ratio | 67.3492% | 3,124 |
| Assets per employee ($millions) | 4.0360% | 3,895 |
| Cash dividends to net income (ytd only)* | 104.4596% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1070% | 3,548 |
| Loan loss allowance to noncurrent loans | 586.9898% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.1351% | 4,647 |
| Noncurrent loans to loans | 0.1886% | 4,362 |
| Net loans and leases to total assets | 54.7645% | 4,335 |
| Net loans and leases to deposits | 60.4089% | 4,596 |
| Net loans and leases to core deposits | 61.0441% | 4,767 |
| Total domestic deposits to total assets | 90.6564% | 311 |
| Equity capital to assets | 6.8997% | 5,714 |
| Core capital (leverage) ratio | 7.1158% | 5,703 |
| Tier 1 risk-based capital ratio | 14.0474% | 3,409 |
| Total risk-based capital ratio | 15.2778% | 3,328 |
| Memoranda: | ||
| Average total assets | $378,389,670 | 1,812 |
| Average earning assets | $366,390,000 | 1,739 |
| Average equity | $24,987,000 | 2,705 |
| Average total loans | $207,306,000 | 2,108 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5560% | 4,530 |
| Cost of funding earning assets | 0.2794% | 4,265 |
| Net interest margin | 3.2766% | 4,092 |
| Noninterest income to average assets | 0.9086% | 1,212 |
| Noninterest expense to average assets | 2.7733% | 2,877 |
| Loan and lease loss provision to assets | 0.0632% | 2,542 |
| Net operating income to assets | 1.2456% | 1,388 |
| Return on assets (ROA) | 1.2456% | 1,425 |
| Pretax return on assets | 1.2456% | 2,428 |
| Return on Equity (ROE) | 19.2895% | 261 |
| Retained earnings to average equity (ytd only) | 19.2895% | 116 |
| Net charge-offs to loans | 0.0464% | 1,923 |
| Credit loss provision to net charge-offs | 250.0000% | 880 |
| Earnings coverage of net charge-offs (x) | 51.7917% | 878 |
| Efficiency ratio | 67.9391% | 3,210 |
| Assets per employee ($millions) | 4.1865% | 3,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1058% | 3,685 |
| Loan loss allowance to noncurrent loans | 533.4895% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.1475% | 4,671 |
| Noncurrent loans to loans | 0.2073% | 4,373 |
| Net loans and leases to total assets | 53.4732% | 4,381 |
| Net loans and leases to deposits | 59.0196% | 4,632 |
| Net loans and leases to core deposits | 59.4637% | 4,807 |
| Total domestic deposits to total assets | 90.6025% | 427 |
| Equity capital to assets | 6.6800% | 5,788 |
| Core capital (leverage) ratio | 7.4106% | 5,721 |
| Tier 1 risk-based capital ratio | 14.7799% | 3,077 |
| Total risk-based capital ratio | 16.0014% | 3,016 |
| Memoranda: | ||
| Average total assets | $379,911,000 | 1,816 |
| Average earning assets | $367,941,000 | 1,743 |
| Average equity | $24,531,500 | 2,747 |
| Average total loans | $207,030,000 | 2,122 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7295% | 4,127 |
| Cost of funding earning assets | 0.2957% | 4,112 |
| Net interest margin | 3.4339% | 3,691 |
| Noninterest income to average assets | 0.9488% | 1,265 |
| Noninterest expense to average assets | 2.8703% | 2,782 |
| Loan and lease loss provision to assets | 0.1071% | 2,257 |
| Net operating income to assets | 1.2861% | 1,246 |
| Return on assets (ROA) | 1.3161% | 1,233 |
| Pretax return on assets | 1.3161% | 2,225 |
| Return on Equity (ROE) | 18.7093% | 279 |
| Retained earnings to average equity (ytd only) | 5.8225% | 1,808 |
| Net charge-offs to loans | 0.1218% | 2,042 |
| Credit loss provision to net charge-offs | 158.5366% | 1,735 |
| Earnings coverage of net charge-offs (x) | 20.6179% | 1,844 |
| Efficiency ratio | 67.3217% | 3,381 |
| Assets per employee ($millions) | 4.1632% | 3,681 |
| Cash dividends to net income (ytd only)* | 68.8791% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0776% | 3,843 |
| Loan loss allowance to noncurrent loans | 367.5410% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.1966% | 4,535 |
| Noncurrent loans to loans | 0.2932% | 4,098 |
| Net loans and leases to total assets | 54.3281% | 4,418 |
| Net loans and leases to deposits | 59.1122% | 4,728 |
| Net loans and leases to core deposits | 59.6482% | 4,878 |
| Total domestic deposits to total assets | 91.9068% | 112 |
| Equity capital to assets | 6.2331% | 5,848 |
| Core capital (leverage) ratio | 7.1647% | 5,796 |
| Tier 1 risk-based capital ratio | 14.1797% | 3,359 |
| Total risk-based capital ratio | 15.3848% | 3,314 |
| Memoranda: | ||
| Average total assets | $364,039,600 | 1,835 |
| Average earning assets | $351,410,600 | 1,765 |
| Average equity | $25,607,600 | 2,670 |
| Average total loans | $201,978,800 | 2,109 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7569% | 4,058 |
| Cost of funding earning assets | 0.2999% | 4,098 |
| Net interest margin | 3.4569% | 3,642 |
| Noninterest income to average assets | 0.9480% | 1,258 |
| Noninterest expense to average assets | 2.8073% | 2,981 |
| Loan and lease loss provision to assets | 0.0999% | 2,237 |
| Net operating income to assets | 1.3757% | 1,113 |
| Return on assets (ROA) | 1.4160% | 1,088 |
| Pretax return on assets | 1.4160% | 1,982 |
| Return on Equity (ROE) | 19.5455% | 265 |
| Retained earnings to average equity (ytd only) | 2.6915% | 4,289 |
| Net charge-offs to loans | 0.1018% | 1,929 |
| Credit loss provision to net charge-offs | 176.4706% | 1,583 |
| Earnings coverage of net charge-offs (x) | 26.0660% | 1,609 |
| Efficiency ratio | 65.5464% | 3,671 |
| Assets per employee ($millions) | 4.1281% | 3,740 |
| Cash dividends to net income (ytd only)* | 86.2294% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0863% | 3,909 |
| Loan loss allowance to noncurrent loans | 398.3813% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.1513% | 4,837 |
| Noncurrent loans to loans | 0.2727% | 4,286 |
| Net loans and leases to total assets | 54.8978% | 4,415 |
| Net loans and leases to deposits | 60.8036% | 4,698 |
| Net loans and leases to core deposits | 61.3891% | 4,864 |
| Total domestic deposits to total assets | 90.2871% | 376 |
| Equity capital to assets | 7.3413% | 5,858 |
| Core capital (leverage) ratio | 7.0553% | 5,875 |
| Tier 1 risk-based capital ratio | 14.2121% | 3,452 |
| Total risk-based capital ratio | 15.4506% | 3,381 |
| Memoranda: | ||
| Average total assets | $360,337,500 | 1,856 |
| Average earning assets | $347,620,500 | 1,793 |
| Average equity | $26,106,000 | 2,650 |
| Average total loans | $200,457,750 | 2,123 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7699% | 4,060 |
| Cost of funding earning assets | 0.3083% | 4,035 |
| Net interest margin | 3.4616% | 3,638 |
| Noninterest income to average assets | 0.9414% | 1,263 |
| Noninterest expense to average assets | 2.8225% | 2,952 |
| Loan and lease loss provision to assets | 0.1006% | 2,154 |
| Net operating income to assets | 1.3559% | 1,151 |
| Return on assets (ROA) | 1.3945% | 1,132 |
| Pretax return on assets | 1.3945% | 2,053 |
| Return on Equity (ROE) | 19.3358% | 274 |
| Retained earnings to average equity (ytd only) | 2.2930% | 4,418 |
| Net charge-offs to loans | 0.1174% | 1,661 |
| Credit loss provision to net charge-offs | 153.8462% | 1,560 |
| Earnings coverage of net charge-offs (x) | 22.2821% | 1,636 |
| Efficiency ratio | 65.9616% | 3,686 |
| Assets per employee ($millions) | 3.9565% | 3,989 |
| Cash dividends to net income (ytd only)* | 88.1410% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0648% | 4,140 |
| Loan loss allowance to noncurrent loans | 596.9613% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.1545% | 4,893 |
| Noncurrent loans to loans | 0.1784% | 4,719 |
| Net loans and leases to total assets | 56.3879% | 4,262 |
| Net loans and leases to deposits | 62.5694% | 4,608 |
| Net loans and leases to core deposits | 63.1680% | 4,799 |
| Total domestic deposits to total assets | 90.1205% | 440 |
| Equity capital to assets | 7.6308% | 5,890 |
| Core capital (leverage) ratio | 7.0314% | 5,950 |
| Tier 1 risk-based capital ratio | 14.1658% | 3,516 |
| Total risk-based capital ratio | 15.3813% | 3,445 |
| Memoranda: | ||
| Average total assets | $357,983,670 | 1,874 |
| Average earning assets | $345,156,330 | 1,801 |
| Average equity | $25,817,330 | 2,683 |
| Average total loans | $199,307,330 | 2,132 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7120% | 4,278 |
| Cost of funding earning assets | 0.3088% | 4,074 |
| Net interest margin | 3.4031% | 3,857 |
| Noninterest income to average assets | 0.9339% | 1,224 |
| Noninterest expense to average assets | 2.8016% | 3,064 |
| Loan and lease loss provision to assets | 0.1003% | 2,019 |
| Net operating income to assets | 1.3105% | 1,229 |
| Return on assets (ROA) | 1.3206% | 1,288 |
| Pretax return on assets | 1.3206% | 2,219 |
| Return on Equity (ROE) | 18.8544% | 304 |
| Retained earnings to average equity (ytd only) | 1.3524% | 4,718 |
| Net charge-offs to loans | 0.0851% | 1,649 |
| Credit loss provision to net charge-offs | 214.2857% | 1,030 |
| Earnings coverage of net charge-offs (x) | 30.1429% | 1,178 |
| Efficiency ratio | 66.5079% | 3,715 |
| Assets per employee ($millions) | 4.0868% | 3,795 |
| Cash dividends to net income (ytd only)* | 92.8270% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0831% | 4,146 |
| Loan loss allowance to noncurrent loans | 483.3333% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.1235% | 5,081 |
| Noncurrent loans to loans | 0.2241% | 4,625 |
| Net loans and leases to total assets | 54.4970% | 4,400 |
| Net loans and leases to deposits | 60.1551% | 4,705 |
| Net loans and leases to core deposits | 60.5296% | 4,903 |
| Total domestic deposits to total assets | 90.5942% | 403 |
| Equity capital to assets | 7.1294% | 5,995 |
| Core capital (leverage) ratio | 7.0628% | 5,993 |
| Tier 1 risk-based capital ratio | 14.2032% | 3,563 |
| Total risk-based capital ratio | 15.4236% | 3,510 |
| Memoranda: | ||
| Average total assets | $358,934,500 | 1,868 |
| Average earning assets | $345,801,000 | 1,797 |
| Average equity | $25,140,000 | 2,735 |
| Average total loans | $197,487,000 | 2,145 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6736% | 4,448 |
| Cost of funding earning assets | 0.3306% | 3,901 |
| Net interest margin | 3.3429% | 4,138 |
| Noninterest income to average assets | 0.9560% | 1,304 |
| Noninterest expense to average assets | 2.7588% | 3,385 |
| Loan and lease loss provision to assets | 0.1439% | 1,646 |
| Net operating income to assets | 1.2738% | 1,335 |
| Return on assets (ROA) | 1.2985% | 1,317 |
| Pretax return on assets | 1.2991% | 2,287 |
| Return on Equity (ROE) | 17.9930% | 380 |
| Retained earnings to average equity (ytd only) | 0.0479% | 5,484 |
| Net charge-offs to loans | 0.1175% | 2,197 |
| Credit loss provision to net charge-offs | 225.2252% | 1,259 |
| Earnings coverage of net charge-offs (x) | 22.1982% | 1,782 |
| Efficiency ratio | 66.0466% | 3,895 |
| Assets per employee ($millions) | 4.1655% | 3,632 |
| Cash dividends to net income (ytd only)* | 99.7340% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0659% | 4,233 |
| Loan loss allowance to noncurrent loans | 392.8839% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.1655% | 4,941 |
| Noncurrent loans to loans | 0.2713% | 4,479 |
| Net loans and leases to total assets | 54.3610% | 4,470 |
| Net loans and leases to deposits | 59.2322% | 4,834 |
| Net loans and leases to core deposits | 59.6540% | 5,004 |
| Total domestic deposits to total assets | 91.7762% | 131 |
| Equity capital to assets | 6.8783% | 6,069 |
| Core capital (leverage) ratio | 7.1624% | 6,030 |
| Tier 1 risk-based capital ratio | 14.2108% | 3,602 |
| Total risk-based capital ratio | 15.4087% | 3,547 |
| Memoranda: | ||
| Average total assets | $347,473,200 | 1,880 |
| Average earning assets | $334,795,200 | 1,809 |
| Average equity | $25,076,400 | 2,686 |
| Average total loans | $188,940,600 | 2,162 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6633% | 4,544 |
| Cost of funding earning assets | 0.3369% | 3,901 |
| Net interest margin | 3.3264% | 4,233 |
| Noninterest income to average assets | 0.9494% | 1,319 |
| Noninterest expense to average assets | 2.7661% | 3,322 |
| Loan and lease loss provision to assets | 0.1199% | 1,900 |
| Net operating income to assets | 1.2703% | 1,424 |
| Return on assets (ROA) | 1.3036% | 1,384 |
| Pretax return on assets | 1.3044% | 2,384 |
| Return on Equity (ROE) | 17.8458% | 412 |
| Retained earnings to average equity (ytd only) | 1.9640% | 4,895 |
| Net charge-offs to loans | 0.1006% | 2,142 |
| Credit loss provision to net charge-offs | 219.8582% | 1,239 |
| Earnings coverage of net charge-offs (x) | 25.5100% | 1,660 |
| Efficiency ratio | 66.5395% | 3,797 |
| Assets per employee ($millions) | 4.0849% | 3,730 |
| Cash dividends to net income (ytd only)* | 88.9944% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0314% | 4,577 |
| Loan loss allowance to noncurrent loans | 333.1658% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.1740% | 5,057 |
| Noncurrent loans to loans | 0.3096% | 4,493 |
| Net loans and leases to total assets | 55.6235% | 4,398 |
| Net loans and leases to deposits | 61.5776% | 4,749 |
| Net loans and leases to core deposits | 62.0442% | 4,938 |
| Total domestic deposits to total assets | 90.3306% | 454 |
| Equity capital to assets | 7.4146% | 6,084 |
| Core capital (leverage) ratio | 7.3250% | 6,085 |
| Tier 1 risk-based capital ratio | 14.5098% | 3,567 |
| Total risk-based capital ratio | 15.6529% | 3,543 |
| Memoranda: | ||
| Average total assets | $344,784,250 | 1,910 |
| Average earning assets | $332,480,750 | 1,837 |
| Average equity | $25,185,500 | 2,701 |
| Average total loans | $186,967,000 | 2,198 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5996% | 4,718 |
| Cost of funding earning assets | 0.3431% | 3,886 |
| Net interest margin | 3.2565% | 4,471 |
| Noninterest income to average assets | 0.9342% | 1,345 |
| Noninterest expense to average assets | 2.7874% | 3,285 |
| Loan and lease loss provision to assets | 0.0753% | 2,606 |
| Net operating income to assets | 1.2087% | 1,569 |
| Return on assets (ROA) | 1.2400% | 1,557 |
| Pretax return on assets | 1.2411% | 2,590 |
| Return on Equity (ROE) | 17.0598% | 479 |
| Retained earnings to average equity (ytd only) | 1.1235% | 5,119 |
| Net charge-offs to loans | 0.0757% | 2,310 |
| Credit loss provision to net charge-offs | 185.7143% | 1,315 |
| Earnings coverage of net charge-offs (x) | 31.7000% | 1,321 |
| Efficiency ratio | 68.4443% | 3,601 |
| Assets per employee ($millions) | 4.1047% | 3,674 |
| Cash dividends to net income (ytd only)* | 93.4143% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0052% | 4,847 |
| Loan loss allowance to noncurrent loans | 803.4188% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.0679% | 5,598 |
| Noncurrent loans to loans | 0.1251% | 5,253 |
| Net loans and leases to total assets | 53.7005% | 4,586 |
| Net loans and leases to deposits | 59.5345% | 4,891 |
| Net loans and leases to core deposits | 60.2670% | 5,055 |
| Total domestic deposits to total assets | 90.2005% | 576 |
| Equity capital to assets | 7.1573% | 6,169 |
| Core capital (leverage) ratio | 7.4754% | 6,104 |
| Tier 1 risk-based capital ratio | 14.5453% | 3,609 |
| Total risk-based capital ratio | 15.6383% | 3,623 |
| Memoranda: | ||
| Average total assets | $345,334,330 | 1,914 |
| Average earning assets | $332,811,000 | 1,850 |
| Average equity | $25,100,000 | 2,717 |
| Average total loans | $185,005,330 | 2,222 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5496% | 4,828 |
| Cost of funding earning assets | 0.3623% | 3,724 |
| Net interest margin | 3.1873% | 4,655 |
| Noninterest income to average assets | 0.9132% | 1,344 |
| Noninterest expense to average assets | 2.7696% | 3,345 |
| Loan and lease loss provision to assets | 0.0694% | 2,553 |
| Net operating income to assets | 1.1470% | 1,714 |
| Return on assets (ROA) | 1.1690% | 1,741 |
| Pretax return on assets | 1.1713% | 2,775 |
| Return on Equity (ROE) | 15.9614% | 574 |
| Retained earnings to average equity (ytd only) | 0.1580% | 5,320 |
| Net charge-offs to loans | 0.0587% | 2,170 |
| Credit loss provision to net charge-offs | 222.2222% | 980 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 990 |
| Efficiency ratio | 69.4428% | 3,588 |
| Assets per employee ($millions) | 4.3773% | 3,237 |
| Cash dividends to net income (ytd only)* | 99.0099% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0063% | 4,982 |
| Loan loss allowance to noncurrent loans | 529.4286% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.1012% | 5,545 |
| Noncurrent loans to loans | 0.1901% | 5,104 |
| Net loans and leases to total assets | 52.7122% | 4,586 |
| Net loans and leases to deposits | 58.8803% | 4,842 |
| Net loans and leases to core deposits | 59.4338% | 5,040 |
| Total domestic deposits to total assets | 89.5244% | 983 |
| Equity capital to assets | 7.3362% | 6,214 |
| Core capital (leverage) ratio | 7.2944% | 6,200 |
| Tier 1 risk-based capital ratio | 15.1969% | 3,321 |
| Total risk-based capital ratio | 16.3284% | 3,308 |
| Memoranda: | ||
| Average total assets | $345,604,500 | 1,924 |
| Average earning assets | $333,445,500 | 1,843 |
| Average equity | $25,311,000 | 2,719 |
| Average total loans | $183,990,000 | 2,242 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7087% | 4,755 |
| Cost of funding earning assets | 0.4267% | 3,423 |
| Net interest margin | 3.2820% | 4,648 |
| Noninterest income to average assets | 0.8900% | 1,539 |
| Noninterest expense to average assets | 2.7919% | 3,512 |
| Loan and lease loss provision to assets | 0.0598% | 3,332 |
| Net operating income to assets | 1.1954% | 1,599 |
| Return on assets (ROA) | 1.2498% | 1,496 |
| Pretax return on assets | 1.2507% | 2,437 |
| Return on Equity (ROE) | 18.1573% | 381 |
| Retained earnings to average equity (ytd only) | 5.1320% | 2,507 |
| Net charge-offs to loans | 0.0778% | 3,379 |
| Credit loss provision to net charge-offs | 143.8849% | 1,655 |
| Earnings coverage of net charge-offs (x) | 30.2374% | 1,327 |
| Efficiency ratio | 68.9701% | 3,718 |
| Assets per employee ($millions) | 4.0636% | 3,797 |
| Cash dividends to net income (ytd only)* | 71.7360% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9900% | 5,114 |
| Loan loss allowance to noncurrent loans | 349.3282% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.1508% | 5,427 |
| Noncurrent loans to loans | 0.2834% | 4,835 |
| Net loans and leases to total assets | 52.6993% | 4,723 |
| Net loans and leases to deposits | 57.8630% | 5,072 |
| Net loans and leases to core deposits | 58.4074% | 5,236 |
| Total domestic deposits to total assets | 91.0760% | 344 |
| Equity capital to assets | 7.3111% | 6,278 |
| Core capital (leverage) ratio | 7.4001% | 6,235 |
| Tier 1 risk-based capital ratio | 14.6228% | 3,709 |
| Total risk-based capital ratio | 15.6925% | 3,744 |
| Memoranda: | ||
| Average total assets | $334,614,800 | 1,938 |
| Average earning assets | $321,971,000 | 1,861 |
| Average equity | $23,032,000 | 2,845 |
| Average total loans | $178,588,600 | 2,245 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7305% | 4,770 |
| Cost of funding earning assets | 0.4352% | 3,415 |
| Net interest margin | 3.2954% | 4,620 |
| Noninterest income to average assets | 0.8926% | 1,546 |
| Noninterest expense to average assets | 2.8279% | 3,358 |
| Loan and lease loss provision to assets | 0.0161% | 4,093 |
| Net operating income to assets | 1.2171% | 1,622 |
| Return on assets (ROA) | 1.2280% | 1,648 |
| Pretax return on assets | 1.2292% | 2,657 |
| Return on Equity (ROE) | 18.1338% | 428 |
| Retained earnings to average equity (ytd only) | 9.2360% | 915 |
| Net charge-offs to loans | 0.0639% | 3,293 |
| Credit loss provision to net charge-offs | 47.0588% | 3,153 |
| Earnings coverage of net charge-offs (x) | 36.1531% | 1,205 |
| Efficiency ratio | 69.6134% | 3,576 |
| Assets per employee ($millions) | 4.0617% | 3,749 |
| Cash dividends to net income (ytd only)* | 49.0677% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9439% | 5,455 |
| Loan loss allowance to noncurrent loans | 318.5874% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.1596% | 5,545 |
| Noncurrent loans to loans | 0.2963% | 5,019 |
| Net loans and leases to total assets | 53.3543% | 4,654 |
| Net loans and leases to deposits | 60.3467% | 4,908 |
| Net loans and leases to core deposits | 61.1973% | 5,103 |
| Total domestic deposits to total assets | 88.4129% | 1,548 |
| Equity capital to assets | 7.1890% | 6,355 |
| Core capital (leverage) ratio | 7.5095% | 6,281 |
| Tier 1 risk-based capital ratio | 14.8669% | 3,667 |
| Total risk-based capital ratio | 15.8822% | 3,743 |
| Memoranda: | ||
| Average total assets | $331,917,250 | 1,964 |
| Average earning assets | $319,268,000 | 1,882 |
| Average equity | $22,476,750 | 2,907 |
| Average total loans | $177,274,250 | 2,265 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6899% | 4,889 |
| Cost of funding earning assets | 0.4348% | 3,498 |
| Net interest margin | 3.2552% | 4,760 |
| Noninterest income to average assets | 0.8632% | 1,611 |
| Noninterest expense to average assets | 2.8433% | 3,358 |
| Loan and lease loss provision to assets | 0.0242% | 3,793 |
| Net operating income to assets | 1.1230% | 1,845 |
| Return on assets (ROA) | 1.1388% | 1,876 |
| Pretax return on assets | 1.1406% | 2,926 |
| Return on Equity (ROE) | 17.1765% | 536 |
| Retained earnings to average equity (ytd only) | 3.4719% | 3,993 |
| Net charge-offs to loans | 0.0694% | 3,009 |
| Credit loss provision to net charge-offs | 65.5738% | 2,546 |
| Earnings coverage of net charge-offs (x) | 31.0984% | 1,226 |
| Efficiency ratio | 71.2183% | 3,467 |
| Assets per employee ($millions) | 3.9908% | 3,857 |
| Cash dividends to net income (ytd only)* | 79.7872% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9787% | 5,437 |
| Loan loss allowance to noncurrent loans | 348.2966% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.1489% | 5,703 |
| Noncurrent loans to loans | 0.2810% | 5,176 |
| Net loans and leases to total assets | 52.4540% | 4,700 |
| Net loans and leases to deposits | 58.5201% | 4,992 |
| Net loans and leases to core deposits | 59.3541% | 5,174 |
| Total domestic deposits to total assets | 89.6342% | 1,000 |
| Equity capital to assets | 7.0129% | 6,441 |
| Core capital (leverage) ratio | 7.2119% | 6,391 |
| Tier 1 risk-based capital ratio | 14.5767% | 3,880 |
| Total risk-based capital ratio | 15.6358% | 3,939 |
| Memoranda: | ||
| Average total assets | $330,181,670 | 1,977 |
| Average earning assets | $317,404,000 | 1,891 |
| Average equity | $21,890,330 | 2,962 |
| Average total loans | $175,837,670 | 2,283 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6804% | 4,917 |
| Cost of funding earning assets | 0.4437% | 3,496 |
| Net interest margin | 3.2367% | 4,787 |
| Noninterest income to average assets | 0.8545% | 1,540 |
| Noninterest expense to average assets | 2.8957% | 3,230 |
| Loan and lease loss provision to assets | 0.0122% | 3,670 |
| Net operating income to assets | 1.0511% | 2,005 |
| Return on assets (ROA) | 1.0511% | 2,072 |
| Pretax return on assets | 1.0548% | 3,114 |
| Return on Equity (ROE) | 16.3370% | 607 |
| Retained earnings to average equity (ytd only) | 2.1062% | 4,757 |
| Net charge-offs to loans | 0.0412% | 2,809 |
| Credit loss provision to net charge-offs | 55.5556% | 2,150 |
| Earnings coverage of net charge-offs (x) | 48.5556% | 763 |
| Efficiency ratio | 73.0746% | 3,301 |
| Assets per employee ($millions) | 3.9170% | 4,111 |
| Cash dividends to net income (ytd only)* | 87.1080% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0010% | 5,519 |
| Loan loss allowance to noncurrent loans | 157.3226% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.3713% | 5,042 |
| Noncurrent loans to loans | 0.6363% | 4,271 |
| Net loans and leases to total assets | 53.2683% | 4,516 |
| Net loans and leases to deposits | 58.3853% | 4,899 |
| Net loans and leases to core deposits | 59.0948% | 5,114 |
| Total domestic deposits to total assets | 91.2358% | 471 |
| Equity capital to assets | 6.7322% | 6,495 |
| Core capital (leverage) ratio | 7.2766% | 6,409 |
| Tier 1 risk-based capital ratio | 14.7600% | 3,845 |
| Total risk-based capital ratio | 15.8528% | 3,898 |
| Memoranda: | ||
| Average total assets | $327,659,000 | 1,994 |
| Average earning assets | $314,642,500 | 1,912 |
| Average equity | $21,081,000 | 3,041 |
| Average total loans | $174,967,500 | 2,287 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8701% | 4,573 |
| Cost of funding earning assets | 0.4938% | 3,666 |
| Net interest margin | 3.3763% | 4,379 |
| Noninterest income to average assets | 0.9058% | 1,659 |
| Noninterest expense to average assets | 2.9156% | 3,328 |
| Loan and lease loss provision to assets | 0.0524% | 4,089 |
| Net operating income to assets | 1.1718% | 1,681 |
| Return on assets (ROA) | 1.2840% | 1,348 |
| Pretax return on assets | 1.2859% | 2,213 |
| Return on Equity (ROE) | 17.7272% | 435 |
| Retained earnings to average equity (ytd only) | 3.6546% | 3,623 |
| Net charge-offs to loans | 0.1283% | 3,532 |
| Credit loss provision to net charge-offs | 75.9091% | 3,143 |
| Earnings coverage of net charge-offs (x) | 17.7682% | 1,698 |
| Efficiency ratio | 70.3976% | 3,770 |
| Assets per employee ($millions) | 3.8848% | 4,097 |
| Cash dividends to net income (ytd only)* | 79.3845% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0051% | 5,535 |
| Loan loss allowance to noncurrent loans | 265.3092% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.2520% | 5,507 |
| Noncurrent loans to loans | 0.3788% | 5,057 |
| Net loans and leases to total assets | 52.4652% | 4,793 |
| Net loans and leases to deposits | 56.6691% | 5,240 |
| Net loans and leases to core deposits | 57.4286% | 5,431 |
| Total domestic deposits to total assets | 92.5817% | 182 |
| Equity capital to assets | 6.1400% | 6,611 |
| Core capital (leverage) ratio | 7.3495% | 6,429 |
| Tier 1 risk-based capital ratio | 15.0171% | 3,655 |
| Total risk-based capital ratio | 16.1392% | 3,676 |
| Memoranda: | ||
| Average total assets | $318,838,200 | 2,015 |
| Average earning assets | $305,574,800 | 1,939 |
| Average equity | $23,094,400 | 2,811 |
| Average total loans | $171,498,200 | 2,287 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8956% | 4,517 |
| Cost of funding earning assets | 0.5014% | 3,756 |
| Net interest margin | 3.3942% | 4,314 |
| Noninterest income to average assets | 0.9059% | 1,739 |
| Noninterest expense to average assets | 2.9514% | 3,137 |
| Loan and lease loss provision to assets | 0.0367% | 4,279 |
| Net operating income to assets | 1.1688% | 1,745 |
| Return on assets (ROA) | 1.3198% | 1,355 |
| Pretax return on assets | 1.3224% | 2,244 |
| Return on Equity (ROE) | 17.5239% | 485 |
| Retained earnings to average equity (ytd only) | 4.9188% | 3,141 |
| Net charge-offs to loans | 0.1500% | 3,042 |
| Credit loss provision to net charge-offs | 45.3125% | 3,610 |
| Earnings coverage of net charge-offs (x) | 14.9117% | 1,904 |
| Efficiency ratio | 70.9576% | 3,612 |
| Assets per employee ($millions) | 3.6848% | 4,482 |
| Cash dividends to net income (ytd only)* | 71.9311% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9779% | 5,814 |
| Loan loss allowance to noncurrent loans | 56,900.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0549% | 6,287 |
| Noncurrent loans to loans | 0.0017% | 6,399 |
| Net loans and leases to total assets | 55.1876% | 4,429 |
| Net loans and leases to deposits | 60.1033% | 4,961 |
| Net loans and leases to core deposits | 60.9496% | 5,225 |
| Total domestic deposits to total assets | 91.8211% | 279 |
| Equity capital to assets | 6.6374% | 6,622 |
| Core capital (leverage) ratio | 7.4466% | 6,473 |
| Tier 1 risk-based capital ratio | 15.0796% | 3,700 |
| Total risk-based capital ratio | 16.1733% | 3,753 |
| Memoranda: | ||
| Average total assets | $315,995,000 | 2,047 |
| Average earning assets | $302,901,250 | 1,966 |
| Average equity | $23,799,250 | 2,777 |
| Average total loans | $170,621,500 | 2,308 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8797% | 4,548 |
| Cost of funding earning assets | 0.4946% | 3,950 |
| Net interest margin | 3.3851% | 4,245 |
| Noninterest income to average assets | 0.8488% | 2,004 |
| Noninterest expense to average assets | 2.9338% | 3,227 |
| Loan and lease loss provision to assets | 0.0095% | 4,675 |
| Net operating income to assets | 1.1454% | 1,767 |
| Return on assets (ROA) | 1.3650% | 1,239 |
| Pretax return on assets | 1.3688% | 2,042 |
| Return on Equity (ROE) | 17.4417% | 513 |
| Retained earnings to average equity (ytd only) | 5.3462% | 2,844 |
| Net charge-offs to loans | 0.1205% | 3,159 |
| Credit loss provision to net charge-offs | 14.7059% | 3,833 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,574 |
| Efficiency ratio | 71.6885% | 3,519 |
| Assets per employee ($millions) | 3.8536% | 4,104 |
| Cash dividends to net income (ytd only)* | 69.3481% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9968% | 5,836 |
| Loan loss allowance to noncurrent loans | 1,337.2093% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0650% | 6,306 |
| Noncurrent loans to loans | 0.0745% | 6,170 |
| Net loans and leases to total assets | 53.5645% | 4,651 |
| Net loans and leases to deposits | 61.5170% | 4,799 |
| Net loans and leases to core deposits | 62.4808% | 5,054 |
| Total domestic deposits to total assets | 87.0727% | 2,778 |
| Equity capital to assets | 7.0899% | 6,583 |
| Core capital (leverage) ratio | 7.3266% | 6,520 |
| Tier 1 risk-based capital ratio | 14.9961% | 3,778 |
| Total risk-based capital ratio | 16.1053% | 3,834 |
| Memoranda: | ||
| Average total assets | $316,923,330 | 2,043 |
| Average earning assets | $303,686,330 | 1,968 |
| Average equity | $24,802,670 | 2,682 |
| Average total loans | $169,308,670 | 2,314 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8859% | 4,528 |
| Cost of funding earning assets | 0.4902% | 4,174 |
| Net interest margin | 3.3957% | 4,135 |
| Noninterest income to average assets | 0.7988% | 2,128 |
| Noninterest expense to average assets | 2.8720% | 3,455 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1699% | 1,612 |
| Return on assets (ROA) | 1.2528% | 1,498 |
| Pretax return on assets | 1.2604% | 2,369 |
| Return on Equity (ROE) | 15.2790% | 700 |
| Retained earnings to average equity (ytd only) | 3.6806% | 4,018 |
| Net charge-offs to loans | 0.1194% | 2,709 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 18.5600% | 1,258 |
| Efficiency ratio | 70.9364% | 3,800 |
| Assets per employee ($millions) | 3.8505% | 4,252 |
| Cash dividends to net income (ytd only)* | 75.9109% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0582% | 5,764 |
| Loan loss allowance to noncurrent loans | 2,517.1429% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.1026% | 6,274 |
| Noncurrent loans to loans | 0.0420% | 6,358 |
| Net loans and leases to total assets | 52.1772% | 4,681 |
| Net loans and leases to deposits | 58.8624% | 4,928 |
| Net loans and leases to core deposits | 59.8158% | 5,166 |
| Total domestic deposits to total assets | 88.6427% | 1,903 |
| Equity capital to assets | 8.1838% | 6,263 |
| Core capital (leverage) ratio | 7.3559% | 6,525 |
| Tier 1 risk-based capital ratio | 15.2391% | 3,685 |
| Total risk-based capital ratio | 16.4118% | 3,682 |
| Memoranda: | ||
| Average total assets | $315,460,000 | 2,077 |
| Average earning assets | $301,914,000 | 1,998 |
| Average equity | $25,865,500 | 2,623 |
| Average total loans | $167,437,500 | 2,348 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2210% | 4,507 |
| Cost of funding earning assets | 0.6400% | 4,004 |
| Net interest margin | 3.5809% | 4,178 |
| Noninterest income to average assets | 0.8987% | 1,857 |
| Noninterest expense to average assets | 2.9747% | 3,364 |
| Loan and lease loss provision to assets | 0.1186% | 4,141 |
| Net operating income to assets | 1.2321% | 1,497 |
| Return on assets (ROA) | 1.3406% | 1,337 |
| Pretax return on assets | 1.3426% | 2,238 |
| Return on Equity (ROE) | 16.7259% | 567 |
| Retained earnings to average equity (ytd only) | 7.6049% | 1,277 |
| Net charge-offs to loans | 0.1729% | 3,995 |
| Credit loss provision to net charge-offs | 127.6224% | 2,208 |
| Earnings coverage of net charge-offs (x) | 14.5559% | 1,725 |
| Efficiency ratio | 68.7416% | 4,010 |
| Assets per employee ($millions) | 3.7521% | 4,465 |
| Cash dividends to net income (ytd only)* | 54.5322% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0762% | 5,649 |
| Loan loss allowance to noncurrent loans | 1,522.6891% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.1786% | 6,118 |
| Noncurrent loans to loans | 0.0707% | 6,310 |
| Net loans and leases to total assets | 52.8449% | 4,781 |
| Net loans and leases to deposits | 58.8293% | 5,149 |
| Net loans and leases to core deposits | 59.7735% | 5,385 |
| Total domestic deposits to total assets | 89.8276% | 1,052 |
| Equity capital to assets | 8.2148% | 6,271 |
| Core capital (leverage) ratio | 7.2934% | 6,586 |
| Tier 1 risk-based capital ratio | 15.2000% | 3,610 |
| Total risk-based capital ratio | 16.4156% | 3,573 |
| Memoranda: | ||
| Average total assets | $307,762,200 | 2,090 |
| Average earning assets | $294,672,000 | 2,004 |
| Average equity | $24,668,400 | 2,691 |
| Average total loans | $165,400,000 | 2,357 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2649% | 4,594 |
| Cost of funding earning assets | 0.6824% | 3,923 |
| Net interest margin | 3.5825% | 4,310 |
| Noninterest income to average assets | 0.9000% | 1,824 |
| Noninterest expense to average assets | 2.9158% | 3,534 |
| Loan and lease loss provision to assets | 0.0915% | 4,456 |
| Net operating income to assets | 1.3245% | 1,387 |
| Return on assets (ROA) | 1.4531% | 1,245 |
| Pretax return on assets | 1.4557% | 2,058 |
| Return on Equity (ROE) | 18.2460% | 475 |
| Retained earnings to average equity (ytd only) | 5.9324% | 2,741 |
| Net charge-offs to loans | 0.1425% | 3,973 |
| Credit loss provision to net charge-offs | 119.3182% | 2,432 |
| Earnings coverage of net charge-offs (x) | 18.4944% | 1,556 |
| Efficiency ratio | 67.2700% | 4,218 |
| Assets per employee ($millions) | 3.7358% | 4,461 |
| Cash dividends to net income (ytd only)* | 67.4866% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0624% | 5,847 |
| Loan loss allowance to noncurrent loans | 4,908.3333% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 6,651 |
| Noncurrent loans to loans | 0.0216% | 6,587 |
| Net loans and leases to total assets | 52.4381% | 4,988 |
| Net loans and leases to deposits | 60.6666% | 5,129 |
| Net loans and leases to core deposits | 61.6835% | 5,387 |
| Total domestic deposits to total assets | 86.4366% | 3,023 |
| Equity capital to assets | 8.1225% | 6,529 |
| Core capital (leverage) ratio | 7.0821% | 6,782 |
| Tier 1 risk-based capital ratio | 14.5674% | 4,139 |
| Total risk-based capital ratio | 15.7509% | 4,150 |
| Memoranda: | ||
| Average total assets | $305,909,000 | 2,123 |
| Average earning assets | $293,272,500 | 2,034 |
| Average equity | $24,362,750 | 2,745 |
| Average total loans | $164,658,500 | 2,393 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3004% | 4,573 |
| Cost of funding earning assets | 0.7561% | 3,555 |
| Net interest margin | 3.5443% | 4,489 |
| Noninterest income to average assets | 0.9529% | 1,605 |
| Noninterest expense to average assets | 2.9412% | 3,468 |
| Loan and lease loss provision to assets | 0.0758% | 4,676 |
| Net operating income to assets | 1.3295% | 1,364 |
| Return on assets (ROA) | 1.4891% | 1,133 |
| Pretax return on assets | 1.4930% | 1,870 |
| Return on Equity (ROE) | 18.8266% | 430 |
| Retained earnings to average equity (ytd only) | 6.3200% | 2,494 |
| Net charge-offs to loans | 0.1097% | 4,086 |
| Credit loss provision to net charge-offs | 127.7778% | 2,154 |
| Earnings coverage of net charge-offs (x) | 23.7444% | 1,242 |
| Efficiency ratio | 67.6065% | 4,211 |
| Assets per employee ($millions) | 3.6803% | 4,561 |
| Cash dividends to net income (ytd only)* | 66.4305% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0688% | 5,896 |
| Loan loss allowance to noncurrent loans | 1,812.3711% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0589% | 6,665 |
| Noncurrent loans to loans | 0.0590% | 6,530 |
| Net loans and leases to total assets | 53.2719% | 4,919 |
| Net loans and leases to deposits | 59.7606% | 5,258 |
| Net loans and leases to core deposits | 60.9384% | 5,495 |
| Total domestic deposits to total assets | 89.1423% | 1,424 |
| Equity capital to assets | 8.1307% | 6,502 |
| Core capital (leverage) ratio | 7.0338% | 6,809 |
| Tier 1 risk-based capital ratio | 14.5666% | 4,055 |
| Total risk-based capital ratio | 15.7619% | 4,059 |
| Memoranda: | ||
| Average total assets | $303,276,000 | 2,136 |
| Average earning assets | $290,716,670 | 2,046 |
| Average equity | $23,987,330 | 2,770 |
| Average total loans | $164,104,000 | 2,415 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2713% | 4,842 |
| Cost of funding earning assets | 0.7686% | 3,709 |
| Net interest margin | 3.5028% | 4,685 |
| Noninterest income to average assets | 0.9094% | 1,707 |
| Noninterest expense to average assets | 2.8658% | 3,763 |
| Loan and lease loss provision to assets | 0.0993% | 4,101 |
| Net operating income to assets | 1.2922% | 1,475 |
| Return on assets (ROA) | 1.4534% | 1,243 |
| Pretax return on assets | 1.4614% | 1,987 |
| Return on Equity (ROE) | 18.6394% | 484 |
| Retained earnings to average equity (ytd only) | 10.1515% | 1,226 |
| Net charge-offs to loans | 0.1049% | 3,501 |
| Credit loss provision to net charge-offs | 174.4186% | 1,465 |
| Earnings coverage of net charge-offs (x) | 24.5581% | 1,053 |
| Efficiency ratio | 67.2152% | 4,320 |
| Assets per employee ($millions) | 3.7312% | 4,582 |
| Cash dividends to net income (ytd only)* | 45.5373% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0740% | 5,996 |
| Loan loss allowance to noncurrent loans | 2,101.1905% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0905% | 6,658 |
| Noncurrent loans to loans | 0.0511% | 6,627 |
| Net loans and leases to total assets | 53.1372% | 4,862 |
| Net loans and leases to deposits | 59.3340% | 5,240 |
| Net loans and leases to core deposits | 60.6241% | 5,472 |
| Total domestic deposits to total assets | 89.5561% | 1,333 |
| Equity capital to assets | 7.6987% | 6,692 |
| Core capital (leverage) ratio | 7.1251% | 6,793 |
| Tier 1 risk-based capital ratio | 14.4792% | 4,126 |
| Total risk-based capital ratio | 15.6810% | 4,126 |
| Memoranda: | ||
| Average total assets | $302,183,500 | 2,153 |
| Average earning assets | $289,372,500 | 2,066 |
| Average equity | $23,563,000 | 2,800 |
| Average total loans | $163,914,500 | 2,426 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5757% | 4,768 |
| Cost of funding earning assets | 0.9606% | 3,638 |
| Net interest margin | 3.6150% | 4,671 |
| Noninterest income to average assets | 0.9937% | 1,385 |
| Noninterest expense to average assets | 2.8759% | 4,060 |
| Loan and lease loss provision to assets | 0.1920% | 4,262 |
| Net operating income to assets | 1.3791% | 1,065 |
| Return on assets (ROA) | 1.5309% | 841 |
| Pretax return on assets | 1.5348% | 1,381 |
| Return on Equity (ROE) | 19.2951% | 295 |
| Retained earnings to average equity (ytd only) | 10.3331% | 505 |
| Net charge-offs to loans | 0.3474% | 3,659 |
| Credit loss provision to net charge-offs | 97.2973% | 3,705 |
| Earnings coverage of net charge-offs (x) | 7.9820% | 2,231 |
| Efficiency ratio | 64.6138% | 5,018 |
| Assets per employee ($millions) | 3.6840% | 4,584 |
| Cash dividends to net income (ytd only)* | 46.4468% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0600% | 5,962 |
| Loan loss allowance to noncurrent loans | 597.5862% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.2155% | 6,423 |
| Noncurrent loans to loans | 0.1774% | 6,394 |
| Net loans and leases to total assets | 54.2053% | 5,004 |
| Net loans and leases to deposits | 60.1516% | 5,467 |
| Net loans and leases to core deposits | 61.5545% | 5,699 |
| Total domestic deposits to total assets | 90.1145% | 932 |
| Equity capital to assets | 7.8989% | 6,635 |
| Core capital (leverage) ratio | 7.1527% | 6,811 |
| Tier 1 risk-based capital ratio | 14.5730% | 3,921 |
| Total risk-based capital ratio | 15.7951% | 3,912 |
| Memoranda: | ||
| Average total assets | $281,271,200 | 2,254 |
| Average earning assets | $268,988,200 | 2,176 |
| Average equity | $22,316,600 | 2,861 |
| Average total loans | $159,751,400 | 2,500 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6286% | 4,754 |
| Cost of funding earning assets | 0.9878% | 3,768 |
| Net interest margin | 3.6409% | 4,613 |
| Noninterest income to average assets | 0.9815% | 1,386 |
| Noninterest expense to average assets | 2.9989% | 3,556 |
| Loan and lease loss provision to assets | 0.1059% | 5,117 |
| Net operating income to assets | 1.3560% | 1,251 |
| Return on assets (ROA) | 1.5312% | 953 |
| Pretax return on assets | 1.5365% | 1,556 |
| Return on Equity (ROE) | 19.2757% | 359 |
| Retained earnings to average equity (ytd only) | 13.2161% | 358 |
| Net charge-offs to loans | 0.3526% | 3,330 |
| Credit loss provision to net charge-offs | 52.3810% | 4,984 |
| Earnings coverage of net charge-offs (x) | 7.2571% | 2,387 |
| Efficiency ratio | 67.1481% | 4,492 |
| Assets per employee ($millions) | 3.8460% | 4,202 |
| Cash dividends to net income (ytd only)* | 31.4366% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9645% | 6,407 |
| Loan loss allowance to noncurrent loans | 421.7984% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.2000% | 6,562 |
| Noncurrent loans to loans | 0.2287% | 6,416 |
| Net loans and leases to total assets | 55.1044% | 4,981 |
| Net loans and leases to deposits | 62.2613% | 5,369 |
| Net loans and leases to core deposits | 63.7878% | 5,637 |
| Total domestic deposits to total assets | 88.5050% | 1,757 |
| Equity capital to assets | 8.3218% | 6,460 |
| Core capital (leverage) ratio | 7.2365% | 6,886 |
| Tier 1 risk-based capital ratio | 14.8336% | 3,762 |
| Total risk-based capital ratio | 15.9514% | 3,815 |
| Memoranda: | ||
| Average total assets | $276,987,000 | 2,304 |
| Average earning assets | $265,096,250 | 2,211 |
| Average equity | $22,003,000 | 2,891 |
| Average total loans | $158,817,750 | 2,535 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7144% | 4,472 |
| Cost of funding earning assets | 1.0211% | 3,809 |
| Net interest margin | 3.6933% | 4,296 |
| Noninterest income to average assets | 0.9599% | 1,431 |
| Noninterest expense to average assets | 3.0143% | 3,582 |
| Loan and lease loss provision to assets | 0.1391% | 4,562 |
| Net operating income to assets | 1.3330% | 1,231 |
| Return on assets (ROA) | 1.5265% | 897 |
| Pretax return on assets | 1.5346% | 1,422 |
| Return on Equity (ROE) | 19.5444% | 341 |
| Retained earnings to average equity (ytd only) | 19.5444% | 102 |
| Net charge-offs to loans | 0.2553% | 3,610 |
| Credit loss provision to net charge-offs | 94.0594% | 3,340 |
| Earnings coverage of net charge-offs (x) | 9.9950% | 1,862 |
| Efficiency ratio | 67.0958% | 4,684 |
| Assets per employee ($millions) | 3.7700% | 4,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1045% | 5,940 |
| Loan loss allowance to noncurrent loans | 226.6319% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.5309% | 5,854 |
| Noncurrent loans to loans | 0.4873% | 5,929 |
| Net loans and leases to total assets | 55.7183% | 5,035 |
| Net loans and leases to deposits | 63.3136% | 5,359 |
| Net loans and leases to core deposits | 66.1358% | 5,494 |
| Total domestic deposits to total assets | 88.0038% | 2,137 |
| Equity capital to assets | 8.2941% | 6,432 |
| Core capital (leverage) ratio | 7.3757% | 6,828 |
| Tier 1 risk-based capital ratio | 14.9016% | 3,547 |
| Total risk-based capital ratio | 16.1515% | 3,520 |
| Memoranda: | ||
| Average total assets | $273,167,000 | 2,342 |
| Average earning assets | $261,282,670 | 2,243 |
| Average equity | $21,336,000 | 2,955 |
| Average total loans | $158,258,670 | 2,565 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6381% | 4,790 |
| Cost of funding earning assets | 1.0396% | 3,918 |
| Net interest margin | 3.5985% | 4,575 |
| Noninterest income to average assets | 0.9546% | 1,452 |
| Noninterest expense to average assets | 2.9394% | 3,892 |
| Loan and lease loss provision to assets | 0.2812% | 2,901 |
| Net operating income to assets | 1.1636% | 1,615 |
| Return on assets (ROA) | 1.4860% | 938 |
| Pretax return on assets | 1.5023% | 1,441 |
| Return on Equity (ROE) | 19.6530% | 352 |
| Retained earnings to average equity (ytd only) | 19.6530% | 174 |
| Net charge-offs to loans | 0.1839% | 3,389 |
| Credit loss provision to net charge-offs | 260.2740% | 1,206 |
| Earnings coverage of net charge-offs (x) | 13.4932% | 1,429 |
| Efficiency ratio | 66.8462% | 4,888 |
| Assets per employee ($millions) | 3.7498% | 4,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 5,739 |
| Loan loss allowance to noncurrent loans | 143.1312% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.5885% | 5,792 |
| Noncurrent loans to loans | 0.8217% | 5,390 |
| Net loans and leases to total assets | 56.4747% | 4,914 |
| Net loans and leases to deposits | 63.2234% | 5,357 |
| Net loans and leases to core deposits | 66.2798% | 5,480 |
| Total domestic deposits to total assets | 89.3256% | 1,576 |
| Equity capital to assets | 7.4670% | 6,885 |
| Core capital (leverage) ratio | 7.2839% | 6,869 |
| Tier 1 risk-based capital ratio | 13.8083% | 4,207 |
| Total risk-based capital ratio | 15.0590% | 4,187 |
| Memoranda: | ||
| Average total assets | $270,260,500 | 2,387 |
| Average earning assets | $258,551,500 | 2,281 |
| Average equity | $20,434,500 | 3,060 |
| Average total loans | $158,798,500 | 2,581 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0592% | 4,287 |
| Cost of funding earning assets | 1.1489% | 4,855 |
| Net interest margin | 3.9103% | 3,438 |
| Noninterest income to average assets | 0.9747% | 1,588 |
| Noninterest expense to average assets | 2.9179% | 4,151 |
| Loan and lease loss provision to assets | 0.2255% | 5,022 |
| Net operating income to assets | 1.5597% | 674 |
| Return on assets (ROA) | 1.6846% | 574 |
| Pretax return on assets | 1.6881% | 969 |
| Return on Equity (ROE) | 21.5594% | 173 |
| Retained earnings to average equity (ytd only) | 2.0765% | 4,427 |
| Net charge-offs to loans | 0.3683% | 4,189 |
| Credit loss provision to net charge-offs | 102.6316% | 4,407 |
| Earnings coverage of net charge-offs (x) | 8.1421% | 2,008 |
| Efficiency ratio | 61.9964% | 5,733 |
| Assets per employee ($millions) | 3.4610% | 5,024 |
| Cash dividends to net income (ytd only)* | 90.3683% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0992% | 5,952 |
| Loan loss allowance to noncurrent loans | 336.1538% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.2357% | 6,645 |
| Noncurrent loans to loans | 0.3270% | 6,398 |
| Net loans and leases to total assets | 59.7923% | 4,714 |
| Net loans and leases to deposits | 68.4196% | 5,050 |
| Net loans and leases to core deposits | 70.8036% | 5,356 |
| Total domestic deposits to total assets | 87.3906% | 2,616 |
| Equity capital to assets | 7.6602% | 6,772 |
| Core capital (leverage) ratio | 6.9564% | 7,043 |
| Tier 1 risk-based capital ratio | 13.3520% | 4,328 |
| Total risk-based capital ratio | 14.6022% | 4,289 |
| Memoranda: | ||
| Average total assets | $259,468,000 | 2,458 |
| Average earning assets | $247,630,200 | 2,358 |
| Average equity | $20,274,200 | 3,112 |
| Average total loans | $154,757,200 | 2,686 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0666% | 4,501 |
| Cost of funding earning assets | 1.1591% | 5,094 |
| Net interest margin | 3.9075% | 3,503 |
| Noninterest income to average assets | 0.9678% | 1,562 |
| Noninterest expense to average assets | 2.9865% | 3,799 |
| Loan and lease loss provision to assets | 0.0696% | 6,366 |
| Net operating income to assets | 1.6356% | 691 |
| Return on assets (ROA) | 1.7212% | 648 |
| Pretax return on assets | 1.7258% | 1,065 |
| Return on Equity (ROE) | 21.9180% | 202 |
| Retained earnings to average equity (ytd only) | 3.5326% | 3,963 |
| Net charge-offs to loans | 0.3175% | 4,070 |
| Credit loss provision to net charge-offs | 36.8852% | 6,065 |
| Earnings coverage of net charge-offs (x) | 9.0601% | 2,067 |
| Efficiency ratio | 63.5924% | 5,325 |
| Assets per employee ($millions) | 3.5280% | 4,904 |
| Cash dividends to net income (ytd only)* | 83.8825% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9544% | 6,552 |
| Loan loss allowance to noncurrent loans | 417.2222% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.1361% | 7,016 |
| Noncurrent loans to loans | 0.2288% | 6,723 |
| Net loans and leases to total assets | 58.9070% | 5,119 |
| Net loans and leases to deposits | 67.3875% | 5,506 |
| Net loans and leases to core deposits | 69.8753% | 5,762 |
| Total domestic deposits to total assets | 87.4153% | 2,309 |
| Equity capital to assets | 8.1697% | 6,647 |
| Core capital (leverage) ratio | 7.0206% | 7,153 |
| Tier 1 risk-based capital ratio | 13.5793% | 4,134 |
| Total risk-based capital ratio | 14.6831% | 4,201 |
| Memoranda: | ||
| Average total assets | $258,576,500 | 2,506 |
| Average earning assets | $246,735,000 | 2,406 |
| Average equity | $20,305,500 | 3,148 |
| Average total loans | $153,691,000 | 2,751 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0736% | 4,593 |
| Cost of funding earning assets | 1.1627% | 5,329 |
| Net interest margin | 3.9109% | 3,396 |
| Noninterest income to average assets | 0.9479% | 1,522 |
| Noninterest expense to average assets | 2.9474% | 3,904 |
| Loan and lease loss provision to assets | 0.0857% | 6,070 |
| Net operating income to assets | 1.6362% | 669 |
| Return on assets (ROA) | 1.7485% | 579 |
| Pretax return on assets | 1.7555% | 954 |
| Return on Equity (ROE) | 22.5786% | 190 |
| Retained earnings to average equity (ytd only) | 3.4527% | 3,909 |
| Net charge-offs to loans | 0.3293% | 3,676 |
| Credit loss provision to net charge-offs | 43.8247% | 5,545 |
| Earnings coverage of net charge-offs (x) | 8.8367% | 2,090 |
| Efficiency ratio | 63.0272% | 5,513 |
| Assets per employee ($millions) | 3.4534% | 5,028 |
| Cash dividends to net income (ytd only)* | 84.7080% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0304% | 6,267 |
| Loan loss allowance to noncurrent loans | 212.2667% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.3079% | 6,636 |
| Noncurrent loans to loans | 0.4854% | 6,279 |
| Net loans and leases to total assets | 58.2611% | 5,374 |
| Net loans and leases to deposits | 66.7664% | 5,713 |
| Net loans and leases to core deposits | 69.4072% | 5,929 |
| Total domestic deposits to total assets | 87.2612% | 2,400 |
| Equity capital to assets | 7.9940% | 6,756 |
| Core capital (leverage) ratio | 7.1265% | 7,112 |
| Tier 1 risk-based capital ratio | 13.6817% | 3,954 |
| Total risk-based capital ratio | 14.8730% | 3,952 |
| Memoranda: | ||
| Average total assets | $256,568,670 | 2,541 |
| Average earning assets | $244,598,000 | 2,449 |
| Average equity | $19,868,330 | 3,190 |
| Average total loans | $152,464,670 | 2,790 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1389% | 4,351 |
| Cost of funding earning assets | 1.1904% | 5,457 |
| Net interest margin | 3.9485% | 3,110 |
| Noninterest income to average assets | 0.8816% | 1,697 |
| Noninterest expense to average assets | 2.9792% | 3,753 |
| Loan and lease loss provision to assets | 0.0473% | 6,190 |
| Net operating income to assets | 1.6034% | 746 |
| Return on assets (ROA) | 1.7096% | 658 |
| Pretax return on assets | 1.7238% | 1,012 |
| Return on Equity (ROE) | 22.4524% | 256 |
| Retained earnings to average equity (ytd only) | -0.3314% | 5,905 |
| Net charge-offs to loans | 0.1770% | 3,859 |
| Credit loss provision to net charge-offs | 44.7761% | 4,558 |
| Earnings coverage of net charge-offs (x) | 15.7463% | 1,364 |
| Efficiency ratio | 64.1644% | 5,464 |
| Assets per employee ($millions) | 3.3806% | 5,338 |
| Cash dividends to net income (ytd only)* | 101.4760% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 5,948 |
| Loan loss allowance to noncurrent loans | 381.1236% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.1732% | 7,044 |
| Noncurrent loans to loans | 0.2919% | 6,742 |
| Net loans and leases to total assets | 58.6679% | 5,325 |
| Net loans and leases to deposits | 66.6431% | 5,751 |
| Net loans and leases to core deposits | 69.7514% | 5,942 |
| Total domestic deposits to total assets | 88.0330% | 2,039 |
| Equity capital to assets | 7.5084% | 7,071 |
| Core capital (leverage) ratio | 7.0640% | 7,208 |
| Tier 1 risk-based capital ratio | 13.6701% | 3,883 |
| Total risk-based capital ratio | 14.9278% | 3,830 |
| Memoranda: | ||
| Average total assets | $253,624,000 | 2,618 |
| Average earning assets | $241,609,000 | 2,517 |
| Average equity | $19,312,000 | 3,291 |
| Average total loans | $151,445,500 | 2,868 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7598% | 2,822 |
| Cost of funding earning assets | 1.4548% | 5,701 |
| Net interest margin | 4.3050% | 1,702 |
| Noninterest income to average assets | 0.9768% | 1,647 |
| Noninterest expense to average assets | 3.2769% | 3,092 |
| Loan and lease loss provision to assets | 0.0766% | 6,826 |
| Net operating income to assets | 1.7038% | 435 |
| Return on assets (ROA) | 1.8038% | 373 |
| Pretax return on assets | 1.8081% | 627 |
| Return on Equity (ROE) | 22.4133% | 149 |
| Retained earnings to average equity (ytd only) | 0.9943% | 4,338 |
| Net charge-offs to loans | 0.2825% | 4,864 |
| Credit loss provision to net charge-offs | 42.3529% | 6,811 |
| Earnings coverage of net charge-offs (x) | 9.8659% | 1,745 |
| Efficiency ratio | 64.7410% | 5,636 |
| Assets per employee ($millions) | 3.1687% | 5,794 |
| Cash dividends to net income (ytd only)* | 95.5639% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1518% | 5,635 |
| Loan loss allowance to noncurrent loans | 387.6957% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.2125% | 6,937 |
| Noncurrent loans to loans | 0.2971% | 6,685 |
| Net loans and leases to total assets | 59.4150% | 5,432 |
| Net loans and leases to deposits | 67.7727% | 5,863 |
| Net loans and leases to core deposits | 74.8613% | 6,478 |
| Total domestic deposits to total assets | 87.6680% | 2,136 |
| Equity capital to assets | 7.7232% | 6,836 |
| Core capital (leverage) ratio | 7.3886% | 6,903 |
| Tier 1 risk-based capital ratio | 13.9007% | 3,565 |
| Total risk-based capital ratio | 15.1568% | 3,511 |
| Memoranda: | ||
| Average total assets | $234,949,000 | 2,769 |
| Average earning assets | $222,924,600 | 2,670 |
| Average equity | $18,908,400 | 3,353 |
| Average total loans | $150,458,800 | 2,906 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8838% | 2,518 |
| Cost of funding earning assets | 1.5021% | 5,815 |
| Net interest margin | 4.3817% | 1,487 |
| Noninterest income to average assets | 0.9565% | 1,757 |
| Noninterest expense to average assets | 3.3202% | 2,834 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.7856% | 462 |
| Return on assets (ROA) | 1.9165% | 372 |
| Pretax return on assets | 1.9223% | 632 |
| Return on Equity (ROE) | 23.5569% | 152 |
| Retained earnings to average equity (ytd only) | 1.2197% | 4,643 |
| Net charge-offs to loans | 0.3394% | 3,943 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 8.1071% | 2,305 |
| Efficiency ratio | 64.9549% | 5,559 |
| Assets per employee ($millions) | 2.9705% | 6,244 |
| Cash dividends to net income (ytd only)* | 94.8226% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0733% | 5,875 |
| Loan loss allowance to noncurrent loans | 217.5989% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.3084% | 6,716 |
| Noncurrent loans to loans | 0.4932% | 6,331 |
| Net loans and leases to total assets | 61.8635% | 5,266 |
| Net loans and leases to deposits | 70.1391% | 5,897 |
| Net loans and leases to core deposits | 78.4337% | 6,452 |
| Total domestic deposits to total assets | 88.2011% | 1,561 |
| Equity capital to assets | 8.1110% | 6,729 |
| Core capital (leverage) ratio | 7.7192% | 6,707 |
| Tier 1 risk-based capital ratio | 14.3564% | 3,354 |
| Total risk-based capital ratio | 15.6067% | 3,294 |
| Memoranda: | ||
| Average total assets | $231,105,250 | 2,829 |
| Average earning assets | $219,150,500 | 2,733 |
| Average equity | $18,802,250 | 3,403 |
| Average total loans | $150,457,750 | 2,940 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0306% | 2,055 |
| Cost of funding earning assets | 1.5407% | 5,972 |
| Net interest margin | 4.4899% | 1,187 |
| Noninterest income to average assets | 0.8841% | 2,045 |
| Noninterest expense to average assets | 3.4107% | 2,588 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.7115% | 554 |
| Return on assets (ROA) | 1.9107% | 399 |
| Pretax return on assets | 1.9194% | 669 |
| Return on Equity (ROE) | 23.4598% | 177 |
| Retained earnings to average equity (ytd only) | 1.4696% | 4,507 |
| Net charge-offs to loans | 0.4845% | 2,889 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 5.3798% | 2,845 |
| Efficiency ratio | 66.4737% | 5,462 |
| Assets per employee ($millions) | 2.9942% | 6,149 |
| Cash dividends to net income (ytd only)* | 93.7357% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0807% | 5,727 |
| Loan loss allowance to noncurrent loans | 291.5009% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.2368% | 6,903 |
| Noncurrent loans to loans | 0.3707% | 6,586 |
| Net loans and leases to total assets | 63.1795% | 5,148 |
| Net loans and leases to deposits | 70.2874% | 5,961 |
| Net loans and leases to core deposits | 78.7002% | 6,501 |
| Total domestic deposits to total assets | 89.8873% | 874 |
| Equity capital to assets | 7.9975% | 6,756 |
| Core capital (leverage) ratio | 7.7990% | 6,615 |
| Tier 1 risk-based capital ratio | 14.2838% | 3,362 |
| Total risk-based capital ratio | 15.5342% | 3,296 |
| Memoranda: | ||
| Average total assets | $228,926,670 | 2,875 |
| Average earning assets | $216,530,000 | 2,791 |
| Average equity | $18,644,670 | 3,444 |
| Average total loans | $151,074,330 | 2,962 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0603% | 2,108 |
| Cost of funding earning assets | 1.5749% | 6,142 |
| Net interest margin | 4.4854% | 1,160 |
| Noninterest income to average assets | 1.0043% | 1,472 |
| Noninterest expense to average assets | 3.4525% | 2,226 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.7679% | 564 |
| Return on assets (ROA) | 1.8710% | 512 |
| Pretax return on assets | 1.8887% | 820 |
| Return on Equity (ROE) | 22.7614% | 273 |
| Retained earnings to average equity (ytd only) | 2.3620% | 4,561 |
| Net charge-offs to loans | 0.2000% | 3,437 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 13.3026% | 1,741 |
| Efficiency ratio | 65.9252% | 5,347 |
| Assets per employee ($millions) | 2.9012% | 6,410 |
| Cash dividends to net income (ytd only)* | 89.6226% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2593% | 4,345 |
| Loan loss allowance to noncurrent loans | 5,943.7500% | 91 |
| Noncurrent assets plus other real estate owned to assets | 1.1631% | 4,343 |
| Noncurrent loans to loans | 0.0212% | 7,493 |
| Net loans and leases to total assets | 65.9019% | 4,607 |
| Net loans and leases to deposits | 73.9003% | 5,490 |
| Net loans and leases to core deposits | 82.6539% | 6,181 |
| Total domestic deposits to total assets | 89.1768% | 1,157 |
| Equity capital to assets | 8.4029% | 6,231 |
| Core capital (leverage) ratio | 7.9705% | 6,510 |
| Tier 1 risk-based capital ratio | 14.1953% | 3,478 |
| Total risk-based capital ratio | 15.4486% | 3,412 |
| Memoranda: | ||
| Average total assets | $226,615,500 | 2,911 |
| Average earning assets | $213,851,500 | 2,839 |
| Average equity | $18,628,000 | 3,462 |
| Average total loans | $152,028,000 | 2,971 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6062% | 2,458 |
| Cost of funding earning assets | 2.0228% | 6,336 |
| Net interest margin | 4.5833% | 1,225 |
| Noninterest income to average assets | 1.1863% | 1,083 |
| Noninterest expense to average assets | 3.3563% | 2,806 |
| Loan and lease loss provision to assets | 0.5682% | 2,548 |
| Net operating income to assets | 1.5964% | 841 |
| Return on assets (ROA) | 1.6906% | 665 |
| Pretax return on assets | 1.6938% | 1,157 |
| Return on Equity (ROE) | 22.1109% | 251 |
| Retained earnings to average equity (ytd only) | 10.8510% | 341 |
| Net charge-offs to loans | 0.6146% | 1,998 |
| Credit loss provision to net charge-offs | 129.8137% | 4,099 |
| Earnings coverage of net charge-offs (x) | 4.9524% | 3,803 |
| Efficiency ratio | 60.7579% | 6,210 |
| Assets per employee ($millions) | 2.7676% | 6,645 |
| Cash dividends to net income (ytd only)* | 50.9247% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 3,836 |
| Loan loss allowance to noncurrent loans | 94.6865% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 1.2893% | 3,645 |
| Noncurrent loans to loans | 1.3651% | 3,792 |
| Net loans and leases to total assets | 66.5577% | 4,744 |
| Net loans and leases to deposits | 76.7366% | 5,506 |
| Net loans and leases to core deposits | 85.8562% | 6,143 |
| Total domestic deposits to total assets | 86.7353% | 2,075 |
| Equity capital to assets | 8.0378% | 6,794 |
| Core capital (leverage) ratio | 7.9121% | 6,639 |
| Tier 1 risk-based capital ratio | 14.0695% | 3,519 |
| Total risk-based capital ratio | 15.3233% | 3,433 |
| Memoranda: | ||
| Average total assets | $220,687,400 | 2,869 |
| Average earning assets | $208,865,000 | 2,785 |
| Average equity | $16,874,000 | 3,759 |
| Average total loans | $157,172,400 | 2,819 |