Home > Premier Community Bank > Performance and Condition Ratios
Premier Community 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 | 4.7890% | 2,493 |
| Cost of funding earning assets | 1.3657% | 2,318 |
| Net interest margin | 3.4234% | 2,355 |
| Noninterest income to average assets | 0.5800% | 1,611 |
| Noninterest expense to average assets | 2.9021% | 1,268 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.5901% | 3,458 |
| Return on assets (ROA) | 0.6300% | 3,339 |
| Pretax return on assets | 0.8444% | 3,107 |
| Return on Equity (ROE) | 9.7600% | 2,562 |
| Retained earnings to average equity (ytd only) | 5.3524% | 2,464 |
| Net charge-offs to loans | 0.0384% | 1,542 |
| Credit loss provision to net charge-offs | 240.0000% | 1,101 |
| Earnings coverage of net charge-offs (x) | 32.5600% | 1,584 |
| Efficiency ratio | 77.2014% | 1,144 |
| Assets per employee ($millions) | 5.0870% | 3,570 |
| Cash dividends to net income (ytd only)* | 45.1872% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1889% | 2,363 |
| Loan loss allowance to noncurrent loans | 1,249.5385% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.0666% | 3,128 |
| Noncurrent loans to loans | 0.0951% | 3,068 |
| Net loans and leases to total assets | 69.1100% | 1,909 |
| Net loans and leases to deposits | 83.3539% | 1,828 |
| Net loans and leases to core deposits | 93.8789% | 1,781 |
| Total domestic deposits to total assets | 82.9200% | 2,912 |
| Equity capital to assets | 6.7394% | 4,038 |
| Core capital (leverage) ratio | 9.0993% | 3,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0496% | 2,227 |
| Memoranda: | ||
| Average total assets | $474,903,200 | 1,784 |
| Average earning assets | $440,443,000 | 1,775 |
| Average equity | $30,640,600 | 2,237 |
| Average total loans | $325,636,000 | 1,698 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7027% | 2,467 |
| Cost of funding earning assets | 1.2114% | 2,400 |
| Net interest margin | 3.4913% | 2,232 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 2.8719% | 1,280 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.7151% | 3,278 |
| Return on assets (ROA) | 0.7171% | 3,256 |
| Pretax return on assets | 0.9450% | 2,992 |
| Return on Equity (ROE) | 11.2400% | 2,315 |
| Retained earnings to average equity (ytd only) | 6.6858% | 2,404 |
| Net charge-offs to loans | 0.0510% | 1,169 |
| Credit loss provision to net charge-offs | 121.9512% | 1,474 |
| Earnings coverage of net charge-offs (x) | 28.3171% | 1,620 |
| Efficiency ratio | 74.4648% | 1,322 |
| Assets per employee ($millions) | 5.1391% | 3,486 |
| Cash dividends to net income (ytd only)* | 40.5363% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1389% | 2,681 |
| Loan loss allowance to noncurrent loans | 6,414.7541% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 3,722 |
| Noncurrent loans to loans | 0.0178% | 3,651 |
| Net loans and leases to total assets | 69.5700% | 1,879 |
| Net loans and leases to deposits | 80.8668% | 1,980 |
| Net loans and leases to core deposits | 94.0777% | 1,671 |
| Total domestic deposits to total assets | 86.0300% | 2,182 |
| Equity capital to assets | 5.9028% | 4,023 |
| Core capital (leverage) ratio | 8.9834% | 3,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7803% | 2,354 |
| Memoranda: | ||
| Average total assets | $471,541,500 | 1,791 |
| Average earning assets | $438,033,000 | 1,781 |
| Average equity | $30,072,750 | 2,251 |
| Average total loans | $321,650,000 | 1,710 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5802% | 2,458 |
| Cost of funding earning assets | 0.9701% | 2,696 |
| Net interest margin | 3.6101% | 2,016 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 2.8327% | 1,354 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.8389% | 2,959 |
| Return on assets (ROA) | 0.8412% | 2,962 |
| Pretax return on assets | 1.1211% | 2,584 |
| Return on Equity (ROE) | 12.8600% | 1,932 |
| Retained earnings to average equity (ytd only) | 8.2385% | 1,894 |
| Net charge-offs to loans | 0.0013% | 2,358 |
| Credit loss provision to net charge-offs | 3,750.0000% | 143 |
| Earnings coverage of net charge-offs (x) | 1,340.0000% | 108 |
| Efficiency ratio | 71.1207% | 1,650 |
| Assets per employee ($millions) | 5.2272% | 3,384 |
| Cash dividends to net income (ytd only)* | 35.9184% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1778% | 2,554 |
| Loan loss allowance to noncurrent loans | 2,163.3880% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.0376% | 3,404 |
| Noncurrent loans to loans | 0.0544% | 3,311 |
| Net loans and leases to total assets | 68.3300% | 1,933 |
| Net loans and leases to deposits | 77.9773% | 2,135 |
| Net loans and leases to core deposits | 87.4146% | 1,974 |
| Total domestic deposits to total assets | 87.6300% | 1,733 |
| Equity capital to assets | 6.4098% | 4,031 |
| Core capital (leverage) ratio | 9.3258% | 3,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7871% | 2,374 |
| Memoranda: | ||
| Average total assets | $465,984,667 | 1,807 |
| Average earning assets | $432,954,000 | 1,800 |
| Average equity | $30,491,000 | 2,248 |
| Average total loans | $314,341,333 | 1,728 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2387% | 2,956 |
| Cost of funding earning assets | 0.6894% | 3,082 |
| Net interest margin | 3.5492% | 2,243 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 2.8672% | 1,298 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8339% | 3,079 |
| Return on assets (ROA) | 0.8352% | 3,030 |
| Pretax return on assets | 1.1020% | 2,703 |
| Return on Equity (ROE) | 12.6300% | 2,071 |
| Retained earnings to average equity (ytd only) | 7.5871% | 2,343 |
| Net charge-offs to loans | 0.0040% | 1,844 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 418.0000% | 268 |
| Efficiency ratio | 72.2689% | 1,517 |
| Assets per employee ($millions) | 5.0052% | 3,656 |
| Cash dividends to net income (ytd only)* | 39.9160% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2490% | 2,299 |
| Loan loss allowance to noncurrent loans | 318.2787% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.2621% | 1,831 |
| Noncurrent loans to loans | 0.3924% | 1,755 |
| Net loans and leases to total assets | 65.9500% | 2,063 |
| Net loans and leases to deposits | 71.9320% | 2,475 |
| Net loans and leases to core deposits | 77.2094% | 2,442 |
| Total domestic deposits to total assets | 91.6900% | 593 |
| Equity capital to assets | 6.6757% | 3,977 |
| Core capital (leverage) ratio | 9.3281% | 3,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0680% | 2,367 |
| Memoranda: | ||
| Average total assets | $455,911,500 | 1,862 |
| Average earning assets | $423,531,000 | 1,855 |
| Average equity | $30,156,500 | 2,288 |
| Average total loans | $303,449,500 | 1,778 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4578% | 3,187 |
| Cost of funding earning assets | 0.2334% | 3,476 |
| Net interest margin | 3.2244% | 2,792 |
| Noninterest income to average assets | 0.7500% | 1,126 |
| Noninterest expense to average assets | 2.8685% | 1,178 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6836% | 3,661 |
| Return on assets (ROA) | 0.7047% | 3,552 |
| Pretax return on assets | 0.9016% | 3,348 |
| Return on Equity (ROE) | 9.5400% | 2,957 |
| Retained earnings to average equity (ytd only) | 6.7210% | 2,356 |
| Net charge-offs to loans | 0.1846% | 446 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 8.0962% | 2,276 |
| Efficiency ratio | 76.2773% | 983 |
| Assets per employee ($millions) | 4.7994% | 3,816 |
| Cash dividends to net income (ytd only)* | 29.5156% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3128% | 1,838 |
| Loan loss allowance to noncurrent loans | 312.8824% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.2783% | 1,760 |
| Noncurrent loans to loans | 0.4196% | 1,672 |
| Net loans and leases to total assets | 65.4500% | 2,097 |
| Net loans and leases to deposits | 71.5701% | 2,448 |
| Net loans and leases to core deposits | 73.2231% | 2,629 |
| Total domestic deposits to total assets | 91.4500% | 793 |
| Equity capital to assets | 6.5508% | 3,881 |
| Core capital (leverage) ratio | 9.7245% | 2,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4987% | 2,169 |
| Memoranda: | ||
| Average total assets | $442,319,600 | 1,879 |
| Average earning assets | $410,489,000 | 1,878 |
| Average equity | $32,688,800 | 2,209 |
| Average total loans | $258,963,600 | 1,897 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2624% | 3,278 |
| Cost of funding earning assets | 0.1906% | 3,388 |
| Net interest margin | 3.0718% | 3,012 |
| Noninterest income to average assets | 0.7700% | 1,094 |
| Noninterest expense to average assets | 2.7686% | 1,306 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6774% | 3,628 |
| Return on assets (ROA) | 0.6867% | 3,558 |
| Pretax return on assets | 0.8695% | 3,424 |
| Return on Equity (ROE) | 9.0300% | 3,022 |
| Retained earnings to average equity (ytd only) | 6.2510% | 2,653 |
| Net charge-offs to loans | -0.0133% | 3,829 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.8644% | 1,090 |
| Assets per employee ($millions) | 4.7148% | 3,900 |
| Cash dividends to net income (ytd only)* | 30.7963% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5930% | 1,075 |
| Loan loss allowance to noncurrent loans | 250.8862% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.4217% | 1,289 |
| Noncurrent loans to loans | 0.6349% | 1,279 |
| Net loans and leases to total assets | 62.4900% | 2,235 |
| Net loans and leases to deposits | 67.7373% | 2,557 |
| Net loans and leases to core deposits | 68.1765% | 2,791 |
| Total domestic deposits to total assets | 92.2600% | 793 |
| Equity capital to assets | 6.5276% | 3,726 |
| Core capital (leverage) ratio | 9.3723% | 3,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9496% | 2,071 |
| Memoranda: | ||
| Average total assets | $441,313,500 | 1,891 |
| Average earning assets | $409,908,250 | 1,888 |
| Average equity | $33,551,250 | 2,206 |
| Average total loans | $249,700,500 | 1,941 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0575% | 3,412 |
| Cost of funding earning assets | 0.1613% | 3,427 |
| Net interest margin | 2.8962% | 3,182 |
| Noninterest income to average assets | 0.7377% | 1,208 |
| Noninterest expense to average assets | 2.7204% | 1,340 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5440% | 3,783 |
| Return on assets (ROA) | 0.5561% | 3,697 |
| Pretax return on assets | 0.7183% | 3,531 |
| Return on Equity (ROE) | 6.9921% | 3,317 |
| Retained earnings to average equity (ytd only) | 4.7936% | 2,785 |
| Net charge-offs to loans | -0.0191% | 3,848 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9654% | 1,022 |
| Assets per employee ($millions) | 4.9380% | 3,729 |
| Cash dividends to net income (ytd only)* | 31.4425% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7413% | 889 |
| Loan loss allowance to noncurrent loans | 249.0630% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.4052% | 1,389 |
| Noncurrent loans to loans | 0.6992% | 1,233 |
| Net loans and leases to total assets | 54.4777% | 2,912 |
| Net loans and leases to deposits | 59.1532% | 3,120 |
| Net loans and leases to core deposits | 59.5729% | 3,301 |
| Total domestic deposits to total assets | 92.0959% | 798 |
| Equity capital to assets | 6.7911% | 3,882 |
| Core capital (leverage) ratio | 9.2688% | 3,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3033% | 1,937 |
| Memoranda: | ||
| Average total assets | $443,831,667 | 1,892 |
| Average earning assets | $411,576,000 | 1,909 |
| Average equity | $35,297,000 | 2,189 |
| Average total loans | $241,115,667 | 1,988 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9830% | 3,304 |
| Cost of funding earning assets | 0.1562% | 3,418 |
| Net interest margin | 2.8268% | 3,055 |
| Noninterest income to average assets | 0.8226% | 987 |
| Noninterest expense to average assets | 2.7342% | 1,281 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5370% | 3,605 |
| Return on assets (ROA) | 0.5363% | 3,573 |
| Pretax return on assets | 0.6949% | 3,408 |
| Return on Equity (ROE) | 6.2687% | 3,262 |
| Retained earnings to average equity (ytd only) | 4.4777% | 2,788 |
| Net charge-offs to loans | -0.0288% | 4,073 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2077% | 1,211 |
| Assets per employee ($millions) | 4.8323% | 3,896 |
| Cash dividends to net income (ytd only)* | 28.5714% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8122% | 862 |
| Loan loss allowance to noncurrent loans | 248.5812% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.4143% | 1,465 |
| Noncurrent loans to loans | 0.7290% | 1,307 |
| Net loans and leases to total assets | 53.3820% | 2,833 |
| Net loans and leases to deposits | 58.6275% | 3,022 |
| Net loans and leases to core deposits | 59.1136% | 3,224 |
| Total domestic deposits to total assets | 91.0529% | 1,007 |
| Equity capital to assets | 7.8858% | 3,661 |
| Core capital (leverage) ratio | 9.2514% | 3,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9398% | 1,824 |
| Memoranda: | ||
| Average total assets | $438,598,500 | 1,915 |
| Average earning assets | $404,558,000 | 1,933 |
| Average equity | $37,519,500 | 2,152 |
| Average total loans | $235,735,000 | 2,013 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2998% | 3,219 |
| Cost of funding earning assets | 0.2081% | 3,388 |
| Net interest margin | 3.0917% | 2,932 |
| Noninterest income to average assets | 0.8099% | 1,421 |
| Noninterest expense to average assets | 2.6970% | 1,642 |
| Loan and lease loss provision to assets | 0.0960% | 1,298 |
| Net operating income to assets | 0.6538% | 3,738 |
| Return on assets (ROA) | 0.6623% | 3,769 |
| Pretax return on assets | 0.8658% | 3,580 |
| Return on Equity (ROE) | 7.7388% | 3,305 |
| Retained earnings to average equity (ytd only) | 5.9555% | 2,382 |
| Net charge-offs to loans | 0.0025% | 2,533 |
| Credit loss provision to net charge-offs | 6,666.6667% | 107 |
| Earnings coverage of net charge-offs (x) | 660.5000% | 221 |
| Efficiency ratio | 73.4245% | 1,372 |
| Assets per employee ($millions) | 4.9727% | 3,757 |
| Cash dividends to net income (ytd only)* | 23.0435% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8989% | 730 |
| Loan loss allowance to noncurrent loans | 232.8175% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.4514% | 1,463 |
| Noncurrent loans to loans | 0.8156% | 1,250 |
| Net loans and leases to total assets | 52.1018% | 3,054 |
| Net loans and leases to deposits | 58.1992% | 3,235 |
| Net loans and leases to core deposits | 58.7328% | 3,415 |
| Total domestic deposits to total assets | 89.5233% | 1,222 |
| Equity capital to assets | 9.2415% | 3,379 |
| Core capital (leverage) ratio | 9.6279% | 2,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2107% | 1,772 |
| Memoranda: | ||
| Average total assets | $416,717,000 | 1,939 |
| Average earning assets | $382,536,400 | 1,961 |
| Average equity | $35,664,400 | 2,256 |
| Average total loans | $237,338,000 | 2,003 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3793% | 3,163 |
| Cost of funding earning assets | 0.2194% | 3,431 |
| Net interest margin | 3.1599% | 2,858 |
| Noninterest income to average assets | 0.7921% | 1,547 |
| Noninterest expense to average assets | 2.6718% | 1,658 |
| Loan and lease loss provision to assets | 0.1194% | 990 |
| Net operating income to assets | 0.6891% | 3,792 |
| Return on assets (ROA) | 0.6881% | 3,859 |
| Pretax return on assets | 0.8984% | 3,702 |
| Return on Equity (ROE) | 8.2114% | 3,340 |
| Retained earnings to average equity (ytd only) | 6.5845% | 2,583 |
| Net charge-offs to loans | 0.0039% | 2,205 |
| Credit loss provision to net charge-offs | 5,285.7143% | 150 |
| Earnings coverage of net charge-offs (x) | 450.7143% | 325 |
| Efficiency ratio | 71.8799% | 1,416 |
| Assets per employee ($millions) | 4.7394% | 3,933 |
| Cash dividends to net income (ytd only)* | 19.8122% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8715% | 809 |
| Loan loss allowance to noncurrent loans | 242.9613% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.4659% | 1,629 |
| Noncurrent loans to loans | 0.7703% | 1,468 |
| Net loans and leases to total assets | 55.0877% | 2,842 |
| Net loans and leases to deposits | 61.0186% | 3,136 |
| Net loans and leases to core deposits | 62.1347% | 3,306 |
| Total domestic deposits to total assets | 90.2803% | 641 |
| Equity capital to assets | 8.4879% | 4,222 |
| Core capital (leverage) ratio | 8.2628% | 4,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4570% | 2,564 |
| Memoranda: | ||
| Average total assets | $412,739,750 | 1,965 |
| Average earning assets | $378,654,250 | 1,995 |
| Average equity | $34,585,250 | 2,337 |
| Average total loans | $239,230,250 | 2,029 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2888% | 3,458 |
| Cost of funding earning assets | 0.2311% | 3,456 |
| Net interest margin | 3.0577% | 3,156 |
| Noninterest income to average assets | 0.8312% | 1,452 |
| Noninterest expense to average assets | 2.5882% | 1,891 |
| Loan and lease loss provision to assets | 0.1453% | 827 |
| Net operating income to assets | 0.6878% | 3,790 |
| Return on assets (ROA) | 0.6859% | 3,858 |
| Pretax return on assets | 0.8957% | 3,673 |
| Return on Equity (ROE) | 8.2212% | 3,341 |
| Retained earnings to average equity (ytd only) | 6.8742% | 2,478 |
| Net charge-offs to loans | 0.0066% | 1,898 |
| Credit loss provision to net charge-offs | 3,750.0000% | 175 |
| Earnings coverage of net charge-offs (x) | 269.2500% | 403 |
| Efficiency ratio | 70.7616% | 1,547 |
| Assets per employee ($millions) | 4.8770% | 3,769 |
| Cash dividends to net income (ytd only)* | 16.3842% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8085% | 872 |
| Loan loss allowance to noncurrent loans | 228.2271% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.4778% | 1,758 |
| Noncurrent loans to loans | 0.7924% | 1,537 |
| Net loans and leases to total assets | 55.1574% | 2,997 |
| Net loans and leases to deposits | 61.0070% | 3,300 |
| Net loans and leases to core deposits | 62.0794% | 3,453 |
| Total domestic deposits to total assets | 90.4116% | 597 |
| Equity capital to assets | 8.3488% | 4,326 |
| Core capital (leverage) ratio | 8.0392% | 4,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2171% | 2,640 |
| Memoranda: | ||
| Average total assets | $412,877,667 | 1,958 |
| Average earning assets | $378,133,333 | 1,981 |
| Average equity | $34,447,667 | 2,341 |
| Average total loans | $241,816,000 | 2,021 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2220% | 3,643 |
| Cost of funding earning assets | 0.2501% | 3,474 |
| Net interest margin | 2.9719% | 3,330 |
| Noninterest income to average assets | 0.9248% | 1,267 |
| Noninterest expense to average assets | 2.5693% | 1,961 |
| Loan and lease loss provision to assets | 0.1465% | 897 |
| Net operating income to assets | 0.7082% | 3,684 |
| Return on assets (ROA) | 0.7051% | 3,752 |
| Pretax return on assets | 0.9209% | 3,558 |
| Return on Equity (ROE) | 8.4536% | 3,199 |
| Retained earnings to average equity (ytd only) | 6.1119% | 2,850 |
| Net charge-offs to loans | 0.0016% | 1,875 |
| Credit loss provision to net charge-offs | 15,000.0000% | 38 |
| Earnings coverage of net charge-offs (x) | 1,097.0000% | 85 |
| Efficiency ratio | 70.0644% | 1,690 |
| Assets per employee ($millions) | 5.0570% | 3,588 |
| Cash dividends to net income (ytd only)* | 27.7008% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6553% | 1,158 |
| Loan loss allowance to noncurrent loans | 204.4191% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.5011% | 1,882 |
| Noncurrent loans to loans | 0.8097% | 1,643 |
| Net loans and leases to total assets | 56.9049% | 2,925 |
| Net loans and leases to deposits | 63.2961% | 3,191 |
| Net loans and leases to core deposits | 64.6184% | 3,358 |
| Total domestic deposits to total assets | 89.9027% | 867 |
| Equity capital to assets | 7.9282% | 4,530 |
| Core capital (leverage) ratio | 8.1389% | 4,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3596% | 2,855 |
| Memoranda: | ||
| Average total assets | $409,604,000 | 1,960 |
| Average earning assets | $374,306,000 | 1,983 |
| Average equity | $34,163,000 | 2,343 |
| Average total loans | $244,921,500 | 1,994 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9338% | 2,925 |
| Cost of funding earning assets | 0.4030% | 3,561 |
| Net interest margin | 3.5308% | 2,368 |
| Noninterest income to average assets | 0.9311% | 1,194 |
| Noninterest expense to average assets | 3.0818% | 1,271 |
| Loan and lease loss provision to assets | 0.1736% | 2,218 |
| Net operating income to assets | 0.7160% | 3,378 |
| Return on assets (ROA) | 0.7167% | 3,505 |
| Pretax return on assets | 0.9231% | 3,306 |
| Return on Equity (ROE) | 7.5563% | 2,978 |
| Retained earnings to average equity (ytd only) | 4.6994% | 2,421 |
| Net charge-offs to loans | 0.0269% | 2,496 |
| Credit loss provision to net charge-offs | 953.1250% | 806 |
| Earnings coverage of net charge-offs (x) | 60.1563% | 1,071 |
| Efficiency ratio | 73.2439% | 1,534 |
| Assets per employee ($millions) | 4.4754% | 3,940 |
| Cash dividends to net income (ytd only)* | 37.8078% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6461% | 1,175 |
| Loan loss allowance to noncurrent loans | 187.6596% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.5856% | 1,802 |
| Noncurrent loans to loans | 0.8771% | 1,612 |
| Net loans and leases to total assets | 60.9083% | 2,745 |
| Net loans and leases to deposits | 68.6427% | 3,016 |
| Net loans and leases to core deposits | 70.1057% | 3,244 |
| Total domestic deposits to total assets | 88.7323% | 1,103 |
| Equity capital to assets | 8.7957% | 4,224 |
| Core capital (leverage) ratio | 8.8246% | 3,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4835% | 2,806 |
| Memoranda: | ||
| Average total assets | $351,321,600 | 2,042 |
| Average earning assets | $323,043,400 | 2,067 |
| Average equity | $33,323,200 | 2,323 |
| Average total loans | $237,812,400 | 1,982 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0334% | 2,879 |
| Cost of funding earning assets | 0.4439% | 3,558 |
| Net interest margin | 3.5895% | 2,309 |
| Noninterest income to average assets | 0.9736% | 1,074 |
| Noninterest expense to average assets | 3.1927% | 1,082 |
| Loan and lease loss provision to assets | 0.1793% | 2,196 |
| Net operating income to assets | 0.7161% | 3,408 |
| Return on assets (ROA) | 0.7158% | 3,507 |
| Pretax return on assets | 0.9221% | 3,319 |
| Return on Equity (ROE) | 7.3933% | 3,056 |
| Retained earnings to average equity (ytd only) | 4.3635% | 2,868 |
| Net charge-offs to loans | 0.0068% | 2,881 |
| Credit loss provision to net charge-offs | 3,833.3333% | 277 |
| Earnings coverage of net charge-offs (x) | 235.4167% | 437 |
| Efficiency ratio | 73.8147% | 1,422 |
| Assets per employee ($millions) | 4.1644% | 4,175 |
| Cash dividends to net income (ytd only)* | 40.9809% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5896% | 1,135 |
| Loan loss allowance to noncurrent loans | 196.4467% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.5752% | 2,002 |
| Noncurrent loans to loans | 0.8092% | 1,803 |
| Net loans and leases to total assets | 65.3778% | 2,597 |
| Net loans and leases to deposits | 74.1564% | 2,940 |
| Net loans and leases to core deposits | 76.5306% | 3,124 |
| Total domestic deposits to total assets | 88.1620% | 1,143 |
| Equity capital to assets | 9.2446% | 3,914 |
| Core capital (leverage) ratio | 9.0224% | 3,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2925% | 2,839 |
| Memoranda: | ||
| Average total assets | $341,811,750 | 2,070 |
| Average earning assets | $316,250,750 | 2,072 |
| Average equity | $33,092,250 | 2,322 |
| Average total loans | $236,985,000 | 1,987 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2113% | 2,727 |
| Cost of funding earning assets | 0.5108% | 3,470 |
| Net interest margin | 3.7004% | 2,163 |
| Noninterest income to average assets | 0.9988% | 987 |
| Noninterest expense to average assets | 3.3004% | 998 |
| Loan and lease loss provision to assets | 0.1859% | 2,162 |
| Net operating income to assets | 0.7266% | 3,296 |
| Return on assets (ROA) | 0.7266% | 3,403 |
| Pretax return on assets | 0.9347% | 3,216 |
| Return on Equity (ROE) | 7.3834% | 2,975 |
| Retained earnings to average equity (ytd only) | 3.8440% | 2,988 |
| Net charge-offs to loans | 0.0017% | 2,962 |
| Credit loss provision to net charge-offs | 15,500.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 934.5000% | 96 |
| Efficiency ratio | 74.1389% | 1,447 |
| Assets per employee ($millions) | 4.0628% | 4,246 |
| Cash dividends to net income (ytd only)* | 47.9373% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4994% | 1,269 |
| Loan loss allowance to noncurrent loans | 188.8608% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.5904% | 2,042 |
| Noncurrent loans to loans | 0.7939% | 1,906 |
| Net loans and leases to total assets | 68.5357% | 2,260 |
| Net loans and leases to deposits | 77.8270% | 2,678 |
| Net loans and leases to core deposits | 80.3840% | 2,914 |
| Total domestic deposits to total assets | 88.0616% | 1,139 |
| Equity capital to assets | 9.3501% | 3,782 |
| Core capital (leverage) ratio | 9.3811% | 3,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2448% | 2,902 |
| Memoranda: | ||
| Average total assets | $333,594,333 | 2,076 |
| Average earning assets | $308,506,667 | 2,086 |
| Average equity | $32,830,333 | 2,325 |
| Average total loans | $234,828,000 | 1,983 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4276% | 2,513 |
| Cost of funding earning assets | 0.6073% | 3,396 |
| Net interest margin | 3.8202% | 1,898 |
| Noninterest income to average assets | 0.8855% | 1,095 |
| Noninterest expense to average assets | 3.3853% | 1,092 |
| Loan and lease loss provision to assets | 0.0560% | 3,064 |
| Net operating income to assets | 0.7537% | 3,083 |
| Return on assets (ROA) | 0.7537% | 3,158 |
| Pretax return on assets | 0.9726% | 2,924 |
| Return on Equity (ROE) | 7.4514% | 2,760 |
| Retained earnings to average equity (ytd only) | 5.2381% | 2,179 |
| Net charge-offs to loans | 0.0176% | 2,023 |
| Credit loss provision to net charge-offs | 450.0000% | 936 |
| Earnings coverage of net charge-offs (x) | 82.7000% | 658 |
| Efficiency ratio | 76.1623% | 1,549 |
| Assets per employee ($millions) | 3.7638% | 4,203 |
| Cash dividends to net income (ytd only)* | 29.7030% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5094% | 1,309 |
| Loan loss allowance to noncurrent loans | 179.0264% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.6325% | 2,104 |
| Noncurrent loans to loans | 0.8431% | 1,925 |
| Net loans and leases to total assets | 68.8897% | 2,409 |
| Net loans and leases to deposits | 77.8602% | 2,902 |
| Net loans and leases to core deposits | 80.8422% | 3,123 |
| Total domestic deposits to total assets | 88.4788% | 893 |
| Equity capital to assets | 10.0706% | 3,713 |
| Core capital (leverage) ratio | 9.8349% | 3,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2175% | 2,610 |
| Memoranda: | ||
| Average total assets | $321,628,500 | 2,084 |
| Average earning assets | $297,049,000 | 2,094 |
| Average equity | $32,531,000 | 2,326 |
| Average total loans | $227,860,500 | 1,999 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5889% | 2,656 |
| Cost of funding earning assets | 0.6946% | 3,186 |
| Net interest margin | 3.8943% | 2,197 |
| Noninterest income to average assets | 1.1490% | 710 |
| Noninterest expense to average assets | 3.5340% | 918 |
| Loan and lease loss provision to assets | 0.0514% | 2,996 |
| Net operating income to assets | 0.8848% | 3,271 |
| Return on assets (ROA) | 0.8848% | 3,349 |
| Pretax return on assets | 1.1580% | 2,986 |
| Return on Equity (ROE) | 9.0130% | 2,750 |
| Retained earnings to average equity (ytd only) | 6.3248% | 1,706 |
| Net charge-offs to loans | 0.0314% | 2,761 |
| Credit loss provision to net charge-offs | 231.8841% | 1,158 |
| Earnings coverage of net charge-offs (x) | 54.5942% | 1,051 |
| Efficiency ratio | 73.3536% | 1,679 |
| Assets per employee ($millions) | 3.5887% | 4,384 |
| Cash dividends to net income (ytd only)* | 29.8258% | 3,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5096% | 1,199 |
| Loan loss allowance to noncurrent loans | 335.8194% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.3667% | 2,934 |
| Noncurrent loans to loans | 0.4495% | 2,829 |
| Net loans and leases to total assets | 70.6959% | 2,291 |
| Net loans and leases to deposits | 80.1281% | 2,766 |
| Net loans and leases to core deposits | 83.5913% | 2,990 |
| Total domestic deposits to total assets | 88.2286% | 1,019 |
| Equity capital to assets | 10.1599% | 3,776 |
| Core capital (leverage) ratio | 10.1173% | 3,395 |
| Tier 1 risk-based capital ratio | 11.9758% | 4,377 |
| Total risk-based capital ratio | 13.2268% | 4,251 |
| Memoranda: | ||
| Average total assets | $311,485,400 | 2,094 |
| Average earning assets | $287,496,600 | 2,102 |
| Average equity | $30,578,200 | 2,358 |
| Average total loans | $219,621,200 | 2,032 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5597% | 2,861 |
| Cost of funding earning assets | 0.7035% | 3,207 |
| Net interest margin | 3.8561% | 2,413 |
| Noninterest income to average assets | 0.9235% | 1,097 |
| Noninterest expense to average assets | 3.4934% | 963 |
| Loan and lease loss provision to assets | 0.0558% | 2,792 |
| Net operating income to assets | 0.7238% | 3,931 |
| Return on assets (ROA) | 0.7238% | 4,001 |
| Pretax return on assets | 0.9364% | 3,772 |
| Return on Equity (ROE) | 7.4388% | 3,530 |
| Retained earnings to average equity (ytd only) | 4.5163% | 3,134 |
| Net charge-offs to loans | 0.0178% | 2,778 |
| Credit loss provision to net charge-offs | 448.2759% | 696 |
| Earnings coverage of net charge-offs (x) | 79.6462% | 862 |
| Efficiency ratio | 76.4340% | 1,280 |
| Assets per employee ($millions) | 3.4474% | 4,552 |
| Cash dividends to net income (ytd only)* | 39.2876% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5312% | 1,162 |
| Loan loss allowance to noncurrent loans | 315.7314% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.3948% | 2,929 |
| Noncurrent loans to loans | 0.4850% | 2,844 |
| Net loans and leases to total assets | 71.1374% | 2,298 |
| Net loans and leases to deposits | 80.5014% | 2,849 |
| Net loans and leases to core deposits | 84.4851% | 3,047 |
| Total domestic deposits to total assets | 88.3679% | 891 |
| Equity capital to assets | 10.0698% | 3,943 |
| Core capital (leverage) ratio | 9.7282% | 3,935 |
| Tier 1 risk-based capital ratio | 11.6311% | 4,600 |
| Total risk-based capital ratio | 12.8822% | 4,503 |
| Memoranda: | ||
| Average total assets | $310,404,500 | 2,112 |
| Average earning assets | $286,739,750 | 2,118 |
| Average equity | $30,201,250 | 2,394 |
| Average total loans | $217,855,000 | 2,057 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4369% | 3,224 |
| Cost of funding earning assets | 0.6943% | 3,199 |
| Net interest margin | 3.7426% | 2,783 |
| Noninterest income to average assets | 0.9103% | 1,059 |
| Noninterest expense to average assets | 3.5200% | 935 |
| Loan and lease loss provision to assets | 0.0387% | 3,043 |
| Net operating income to assets | 0.6262% | 4,233 |
| Return on assets (ROA) | 0.6262% | 4,278 |
| Pretax return on assets | 0.8033% | 4,086 |
| Return on Equity (ROE) | 6.5117% | 3,874 |
| Retained earnings to average equity (ytd only) | 3.1219% | 3,659 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1021% | 1,051 |
| Assets per employee ($millions) | 3.4621% | 4,541 |
| Cash dividends to net income (ytd only)* | 52.0576% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5226% | 1,206 |
| Loan loss allowance to noncurrent loans | 314.8561% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.3853% | 2,960 |
| Noncurrent loans to loans | 0.4836% | 2,833 |
| Net loans and leases to total assets | 69.6145% | 2,589 |
| Net loans and leases to deposits | 78.3029% | 3,129 |
| Net loans and leases to core deposits | 81.9943% | 3,267 |
| Total domestic deposits to total assets | 88.9042% | 703 |
| Equity capital to assets | 9.6948% | 4,237 |
| Core capital (leverage) ratio | 9.5854% | 4,057 |
| Tier 1 risk-based capital ratio | 11.3731% | 4,751 |
| Total risk-based capital ratio | 12.6248% | 4,645 |
| Memoranda: | ||
| Average total assets | $310,451,670 | 2,112 |
| Average earning assets | $286,324,670 | 2,124 |
| Average equity | $29,854,000 | 2,405 |
| Average total loans | $215,758,330 | 2,074 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3890% | 3,272 |
| Cost of funding earning assets | 0.6793% | 3,153 |
| Net interest margin | 3.7098% | 2,855 |
| Noninterest income to average assets | 0.9229% | 985 |
| Noninterest expense to average assets | 3.5230% | 938 |
| Loan and lease loss provision to assets | 0.0389% | 2,849 |
| Net operating income to assets | 0.6036% | 4,232 |
| Return on assets (ROA) | 0.6036% | 4,271 |
| Pretax return on assets | 0.7711% | 4,115 |
| Return on Equity (ROE) | 6.3032% | 3,916 |
| Retained earnings to average equity (ytd only) | 1.5588% | 4,183 |
| Net charge-offs to loans | 0.0019% | 2,696 |
| Credit loss provision to net charge-offs | 3,000.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 624.0000% | 115 |
| Efficiency ratio | 79.6884% | 1,088 |
| Assets per employee ($millions) | 3.4756% | 4,584 |
| Cash dividends to net income (ytd only)* | 75.2688% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5788% | 1,104 |
| Loan loss allowance to noncurrent loans | 293.1937% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.4095% | 2,947 |
| Noncurrent loans to loans | 0.5385% | 2,696 |
| Net loans and leases to total assets | 66.9629% | 2,905 |
| Net loans and leases to deposits | 75.1591% | 3,337 |
| Net loans and leases to core deposits | 78.4216% | 3,487 |
| Total domestic deposits to total assets | 89.0948% | 820 |
| Equity capital to assets | 9.5206% | 4,241 |
| Core capital (leverage) ratio | 9.5674% | 4,060 |
| Tier 1 risk-based capital ratio | 11.6536% | 4,656 |
| Total risk-based capital ratio | 12.9059% | 4,531 |
| Memoranda: | ||
| Average total assets | $308,150,000 | 2,144 |
| Average earning assets | $283,250,500 | 2,152 |
| Average equity | $29,509,000 | 2,438 |
| Average total loans | $212,280,000 | 2,119 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2661% | 3,224 |
| Cost of funding earning assets | 0.4479% | 3,696 |
| Net interest margin | 3.8182% | 2,599 |
| Noninterest income to average assets | 0.8771% | 1,241 |
| Noninterest expense to average assets | 3.5228% | 970 |
| Loan and lease loss provision to assets | 0.0385% | 3,431 |
| Net operating income to assets | 0.6567% | 4,264 |
| Return on assets (ROA) | 0.6623% | 4,257 |
| Pretax return on assets | 0.8460% | 4,048 |
| Return on Equity (ROE) | 6.9613% | 3,838 |
| Retained earnings to average equity (ytd only) | 4.7944% | 2,896 |
| Net charge-offs to loans | -0.0759% | 5,084 |
| Credit loss provision to net charge-offs | -74.1935% | 4,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4166% | 1,097 |
| Assets per employee ($millions) | 3.4100% | 4,650 |
| Cash dividends to net income (ytd only)* | 31.1268% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5732% | 1,084 |
| Loan loss allowance to noncurrent loans | 278.9782% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.4376% | 2,812 |
| Noncurrent loans to loans | 0.5639% | 2,578 |
| Net loans and leases to total assets | 68.6686% | 2,783 |
| Net loans and leases to deposits | 77.2506% | 3,248 |
| Net loans and leases to core deposits | 80.7371% | 3,375 |
| Total domestic deposits to total assets | 88.8907% | 904 |
| Equity capital to assets | 9.6335% | 4,017 |
| Core capital (leverage) ratio | 9.8067% | 3,789 |
| Tier 1 risk-based capital ratio | 11.7139% | 4,620 |
| Total risk-based capital ratio | 12.9666% | 4,491 |
| Memoranda: | ||
| Average total assets | $298,826,600 | 2,169 |
| Average earning assets | $275,729,600 | 2,160 |
| Average equity | $28,428,800 | 2,434 |
| Average total loans | $204,121,600 | 2,143 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1778% | 3,390 |
| Cost of funding earning assets | 0.4255% | 3,689 |
| Net interest margin | 3.7523% | 2,816 |
| Noninterest income to average assets | 0.8712% | 1,285 |
| Noninterest expense to average assets | 3.5180% | 964 |
| Loan and lease loss provision to assets | 0.0381% | 3,245 |
| Net operating income to assets | 0.6204% | 4,446 |
| Return on assets (ROA) | 0.6240% | 4,452 |
| Pretax return on assets | 0.7915% | 4,320 |
| Return on Equity (ROE) | 6.5799% | 4,083 |
| Retained earnings to average equity (ytd only) | 4.4023% | 3,553 |
| Net charge-offs to loans | -0.0145% | 4,501 |
| Credit loss provision to net charge-offs | -386.3636% | 4,446 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3317% | 1,007 |
| Assets per employee ($millions) | 3.2945% | 4,776 |
| Cash dividends to net income (ytd only)* | 33.0939% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5725% | 1,143 |
| Loan loss allowance to noncurrent loans | 244.5216% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.4932% | 2,724 |
| Noncurrent loans to loans | 0.6431% | 2,476 |
| Net loans and leases to total assets | 68.4185% | 2,878 |
| Net loans and leases to deposits | 77.1354% | 3,309 |
| Net loans and leases to core deposits | 78.8748% | 3,578 |
| Total domestic deposits to total assets | 88.6993% | 959 |
| Equity capital to assets | 9.7982% | 3,818 |
| Core capital (leverage) ratio | 9.5841% | 4,076 |
| Tier 1 risk-based capital ratio | 11.9398% | 4,534 |
| Total risk-based capital ratio | 13.1925% | 4,412 |
| Memoranda: | ||
| Average total assets | $297,659,750 | 2,179 |
| Average earning assets | $275,416,250 | 2,173 |
| Average equity | $28,226,750 | 2,453 |
| Average total loans | $202,218,000 | 2,165 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0865% | 3,506 |
| Cost of funding earning assets | 0.3888% | 3,818 |
| Net interest margin | 3.6977% | 2,933 |
| Noninterest income to average assets | 0.8540% | 1,306 |
| Noninterest expense to average assets | 3.5005% | 995 |
| Loan and lease loss provision to assets | 0.0366% | 3,179 |
| Net operating income to assets | 0.5855% | 4,544 |
| Return on assets (ROA) | 0.5855% | 4,542 |
| Pretax return on assets | 0.7381% | 4,415 |
| Return on Equity (ROE) | 6.2414% | 4,154 |
| Retained earnings to average equity (ytd only) | 4.0544% | 3,585 |
| Net charge-offs to loans | 0.0010% | 3,185 |
| Credit loss provision to net charge-offs | 5,500.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 1,163.0000% | 69 |
| Efficiency ratio | 80.1963% | 1,000 |
| Assets per employee ($millions) | 3.3294% | 4,787 |
| Cash dividends to net income (ytd only)* | 35.0398% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5643% | 1,198 |
| Loan loss allowance to noncurrent loans | 236.1638% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.4904% | 2,793 |
| Noncurrent loans to loans | 0.6624% | 2,456 |
| Net loans and leases to total assets | 66.1508% | 3,128 |
| Net loans and leases to deposits | 74.2323% | 3,510 |
| Net loans and leases to core deposits | 75.8586% | 3,753 |
| Total domestic deposits to total assets | 89.1132% | 889 |
| Equity capital to assets | 9.5426% | 4,061 |
| Core capital (leverage) ratio | 9.3043% | 4,360 |
| Tier 1 risk-based capital ratio | 11.8508% | 4,589 |
| Total risk-based capital ratio | 13.1035% | 4,470 |
| Memoranda: | ||
| Average total assets | $300,239,670 | 2,168 |
| Average earning assets | $277,791,670 | 2,170 |
| Average equity | $28,166,670 | 2,465 |
| Average total loans | $202,448,000 | 2,167 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9640% | 3,742 |
| Cost of funding earning assets | 0.3654% | 3,870 |
| Net interest margin | 3.5986% | 3,186 |
| Noninterest income to average assets | 0.9371% | 1,054 |
| Noninterest expense to average assets | 3.4533% | 1,078 |
| Loan and lease loss provision to assets | 0.0331% | 3,062 |
| Net operating income to assets | 0.6287% | 4,343 |
| Return on assets (ROA) | 0.6287% | 4,352 |
| Pretax return on assets | 0.7743% | 4,211 |
| Return on Equity (ROE) | 6.7587% | 3,875 |
| Retained earnings to average equity (ytd only) | 4.5674% | 3,373 |
| Net charge-offs to loans | -0.0059% | 4,061 |
| Credit loss provision to net charge-offs | -833.3333% | 4,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3725% | 1,212 |
| Assets per employee ($millions) | 3.4709% | 4,695 |
| Cash dividends to net income (ytd only)* | 32.4211% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5210% | 1,388 |
| Loan loss allowance to noncurrent loans | 231.5592% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.4803% | 2,935 |
| Noncurrent loans to loans | 0.6568% | 2,581 |
| Net loans and leases to total assets | 65.4804% | 3,117 |
| Net loans and leases to deposits | 73.1167% | 3,502 |
| Net loans and leases to core deposits | 77.6764% | 3,523 |
| Total domestic deposits to total assets | 89.5560% | 856 |
| Equity capital to assets | 9.1956% | 4,368 |
| Core capital (leverage) ratio | 9.0890% | 4,578 |
| Tier 1 risk-based capital ratio | 11.7303% | 4,727 |
| Total risk-based capital ratio | 12.9833% | 4,605 |
| Memoranda: | ||
| Average total assets | $302,202,500 | 2,176 |
| Average earning assets | $279,110,500 | 2,184 |
| Average equity | $28,112,000 | 2,486 |
| Average total loans | $204,107,500 | 2,166 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0603% | 3,201 |
| Cost of funding earning assets | 0.3409% | 3,793 |
| Net interest margin | 3.7194% | 2,722 |
| Noninterest income to average assets | 1.0123% | 993 |
| Noninterest expense to average assets | 3.6116% | 888 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4354% | 4,573 |
| Return on assets (ROA) | 0.4630% | 4,517 |
| Pretax return on assets | 0.8534% | 4,080 |
| Return on Equity (ROE) | 4.7589% | 4,264 |
| Retained earnings to average equity (ytd only) | 2.5679% | 3,785 |
| Net charge-offs to loans | 0.0118% | 3,669 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 101.7826% | 641 |
| Efficiency ratio | 79.9875% | 1,103 |
| Assets per employee ($millions) | 3.4364% | 4,783 |
| Cash dividends to net income (ytd only)* | 46.0389% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4928% | 1,429 |
| Loan loss allowance to noncurrent loans | 220.4464% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.5088% | 2,864 |
| Noncurrent loans to loans | 0.6772% | 2,519 |
| Net loans and leases to total assets | 67.5867% | 2,877 |
| Net loans and leases to deposits | 75.7987% | 3,350 |
| Net loans and leases to core deposits | 81.0335% | 3,332 |
| Total domestic deposits to total assets | 89.1660% | 921 |
| Equity capital to assets | 9.4114% | 4,314 |
| Core capital (leverage) ratio | 9.0656% | 4,563 |
| Tier 1 risk-based capital ratio | 11.2992% | 4,981 |
| Total risk-based capital ratio | 12.5549% | 4,853 |
| Memoranda: | ||
| Average total assets | $288,957,400 | 2,230 |
| Average earning assets | $264,879,200 | 2,252 |
| Average equity | $28,116,000 | 2,481 |
| Average total loans | $194,805,600 | 2,200 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0459% | 3,194 |
| Cost of funding earning assets | 0.3328% | 3,830 |
| Net interest margin | 3.7131% | 2,706 |
| Noninterest income to average assets | 1.0258% | 970 |
| Noninterest expense to average assets | 3.5351% | 940 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6600% | 4,159 |
| Return on assets (ROA) | 0.6600% | 4,213 |
| Pretax return on assets | 0.8918% | 4,067 |
| Return on Equity (ROE) | 6.7256% | 3,800 |
| Retained earnings to average equity (ytd only) | 4.5343% | 3,201 |
| Net charge-offs to loans | 0.0173% | 3,158 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 76.6457% | 839 |
| Efficiency ratio | 78.1516% | 1,317 |
| Assets per employee ($millions) | 3.4336% | 4,820 |
| Cash dividends to net income (ytd only)* | 32.5808% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5574% | 1,338 |
| Loan loss allowance to noncurrent loans | 200.3929% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.5567% | 2,856 |
| Noncurrent loans to loans | 0.7772% | 2,426 |
| Net loans and leases to total assets | 64.7491% | 3,292 |
| Net loans and leases to deposits | 72.7844% | 3,690 |
| Net loans and leases to core deposits | 78.5030% | 3,591 |
| Total domestic deposits to total assets | 88.9602% | 907 |
| Equity capital to assets | 9.6181% | 4,325 |
| Core capital (leverage) ratio | 9.3158% | 4,390 |
| Tier 1 risk-based capital ratio | 11.9468% | 4,668 |
| Total risk-based capital ratio | 13.1996% | 4,538 |
| Memoranda: | ||
| Average total assets | $286,455,000 | 2,261 |
| Average earning assets | $262,379,750 | 2,280 |
| Average equity | $28,110,750 | 2,500 |
| Average total loans | $192,226,000 | 2,239 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9438% | 3,393 |
| Cost of funding earning assets | 0.3143% | 3,938 |
| Net interest margin | 3.6295% | 2,915 |
| Noninterest income to average assets | 1.0766% | 867 |
| Noninterest expense to average assets | 3.6010% | 872 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6042% | 4,286 |
| Return on assets (ROA) | 0.6042% | 4,331 |
| Pretax return on assets | 0.7968% | 4,288 |
| Return on Equity (ROE) | 6.1138% | 3,998 |
| Retained earnings to average equity (ytd only) | 3.9063% | 3,375 |
| Net charge-offs to loans | 0.0293% | 2,622 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 40.1786% | 1,249 |
| Efficiency ratio | 80.1417% | 1,197 |
| Assets per employee ($millions) | 3.3372% | 4,942 |
| Cash dividends to net income (ytd only)* | 36.1079% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5716% | 1,327 |
| Loan loss allowance to noncurrent loans | 194.2186% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.5955% | 2,786 |
| Noncurrent loans to loans | 0.8092% | 2,381 |
| Net loans and leases to total assets | 66.7081% | 3,002 |
| Net loans and leases to deposits | 75.1639% | 3,439 |
| Net loans and leases to core deposits | 81.2450% | 3,317 |
| Total domestic deposits to total assets | 88.7502% | 1,081 |
| Equity capital to assets | 9.8693% | 4,066 |
| Core capital (leverage) ratio | 9.6767% | 3,928 |
| Tier 1 risk-based capital ratio | 11.9306% | 4,677 |
| Total risk-based capital ratio | 13.1835% | 4,573 |
| Memoranda: | ||
| Average total assets | $282,367,000 | 2,296 |
| Average earning assets | $258,382,330 | 2,313 |
| Average equity | $27,904,000 | 2,512 |
| Average total loans | $190,808,670 | 2,252 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9032% | 3,389 |
| Cost of funding earning assets | 0.2782% | 4,268 |
| Net interest margin | 3.6249% | 2,799 |
| Noninterest income to average assets | 1.0312% | 946 |
| Noninterest expense to average assets | 3.6079% | 891 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5642% | 4,313 |
| Return on assets (ROA) | 0.5642% | 4,356 |
| Pretax return on assets | 0.7356% | 4,326 |
| Return on Equity (ROE) | 5.7053% | 4,040 |
| Retained earnings to average equity (ytd only) | 3.4810% | 3,697 |
| Net charge-offs to loans | -0.0021% | 4,014 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9138% | 1,170 |
| Assets per employee ($millions) | 3.2751% | 5,068 |
| Cash dividends to net income (ytd only)* | 38.9873% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6232% | 1,326 |
| Loan loss allowance to noncurrent loans | 190.8472% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.6286% | 2,746 |
| Noncurrent loans to loans | 0.8505% | 2,333 |
| Net loans and leases to total assets | 67.1855% | 2,789 |
| Net loans and leases to deposits | 75.8036% | 3,221 |
| Net loans and leases to core deposits | 80.2522% | 3,272 |
| Total domestic deposits to total assets | 88.6310% | 1,355 |
| Equity capital to assets | 10.0140% | 3,741 |
| Core capital (leverage) ratio | 9.5606% | 4,043 |
| Tier 1 risk-based capital ratio | 11.9386% | 4,758 |
| Total risk-based capital ratio | 13.1929% | 4,657 |
| Memoranda: | ||
| Average total assets | $280,050,000 | 2,325 |
| Average earning assets | $255,893,500 | 2,347 |
| Average equity | $27,693,500 | 2,537 |
| Average total loans | $188,958,000 | 2,283 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8951% | 3,588 |
| Cost of funding earning assets | 0.2644% | 4,419 |
| Net interest margin | 3.6307% | 2,958 |
| Noninterest income to average assets | 1.0441% | 1,037 |
| Noninterest expense to average assets | 3.6417% | 959 |
| Loan and lease loss provision to assets | 0.0215% | 3,939 |
| Net operating income to assets | 0.5611% | 4,383 |
| Return on assets (ROA) | 0.5740% | 4,432 |
| Pretax return on assets | 0.7177% | 4,432 |
| Return on Equity (ROE) | 5.7454% | 4,097 |
| Retained earnings to average equity (ytd only) | 1.3305% | 4,746 |
| Net charge-offs to loans | -0.0395% | 5,328 |
| Credit loss provision to net charge-offs | -82.1918% | 4,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2853% | 1,173 |
| Assets per employee ($millions) | 3.2014% | 5,144 |
| Cash dividends to net income (ytd only)* | 76.8414% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6427% | 1,274 |
| Loan loss allowance to noncurrent loans | 190.5497% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.6215% | 2,866 |
| Noncurrent loans to loans | 0.8621% | 2,373 |
| Net loans and leases to total assets | 65.5665% | 3,138 |
| Net loans and leases to deposits | 73.8047% | 3,532 |
| Net loans and leases to core deposits | 77.8924% | 3,574 |
| Total domestic deposits to total assets | 88.8379% | 1,189 |
| Equity capital to assets | 9.7650% | 3,994 |
| Core capital (leverage) ratio | 9.5873% | 3,984 |
| Tier 1 risk-based capital ratio | 12.0752% | 4,674 |
| Total risk-based capital ratio | 13.3291% | 4,554 |
| Memoranda: | ||
| Average total assets | $279,097,600 | 2,289 |
| Average earning assets | $255,268,400 | 2,317 |
| Average equity | $27,883,400 | 2,518 |
| Average total loans | $185,011,800 | 2,260 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8653% | 3,717 |
| Cost of funding earning assets | 0.2678% | 4,415 |
| Net interest margin | 3.5975% | 3,083 |
| Noninterest income to average assets | 1.0362% | 1,058 |
| Noninterest expense to average assets | 3.6627% | 905 |
| Loan and lease loss provision to assets | 0.0287% | 3,663 |
| Net operating income to assets | 0.5174% | 4,634 |
| Return on assets (ROA) | 0.5555% | 4,583 |
| Pretax return on assets | 0.6847% | 4,654 |
| Return on Equity (ROE) | 5.5283% | 4,302 |
| Retained earnings to average equity (ytd only) | 1.1295% | 5,051 |
| Net charge-offs to loans | -0.0463% | 5,344 |
| Credit loss provision to net charge-offs | -93.7500% | 4,748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4421% | 1,031 |
| Assets per employee ($millions) | 3.0953% | 5,297 |
| Cash dividends to net income (ytd only)* | 79.5691% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6128% | 1,434 |
| Loan loss allowance to noncurrent loans | 364.0237% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.3682% | 3,948 |
| Noncurrent loans to loans | 0.4430% | 3,695 |
| Net loans and leases to total assets | 68.8932% | 2,659 |
| Net loans and leases to deposits | 78.5354% | 3,130 |
| Net loans and leases to core deposits | 81.9858% | 3,281 |
| Total domestic deposits to total assets | 87.7225% | 1,543 |
| Equity capital to assets | 10.3123% | 3,789 |
| Core capital (leverage) ratio | 9.6607% | 3,986 |
| Tier 1 risk-based capital ratio | 12.0644% | 4,750 |
| Total risk-based capital ratio | 13.3184% | 4,652 |
| Memoranda: | ||
| Average total assets | $278,442,000 | 2,301 |
| Average earning assets | $254,875,750 | 2,330 |
| Average equity | $27,976,750 | 2,533 |
| Average total loans | $184,315,000 | 2,273 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8291% | 3,851 |
| Cost of funding earning assets | 0.2690% | 4,449 |
| Net interest margin | 3.5601% | 3,254 |
| Noninterest income to average assets | 1.0026% | 1,110 |
| Noninterest expense to average assets | 3.5827% | 1,029 |
| Loan and lease loss provision to assets | 0.0428% | 3,293 |
| Net operating income to assets | 0.5190% | 4,603 |
| Return on assets (ROA) | 0.5377% | 4,642 |
| Pretax return on assets | 0.6561% | 4,747 |
| Return on Equity (ROE) | 5.3974% | 4,336 |
| Retained earnings to average equity (ytd only) | 0.9807% | 4,994 |
| Net charge-offs to loans | -0.0692% | 5,494 |
| Credit loss provision to net charge-offs | -95.2381% | 4,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9538% | 1,151 |
| Assets per employee ($millions) | 3.2057% | 5,196 |
| Cash dividends to net income (ytd only)* | 81.8302% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6719% | 1,339 |
| Loan loss allowance to noncurrent loans | 632.7160% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.2553% | 4,476 |
| Noncurrent loans to loans | 0.2642% | 4,415 |
| Net loans and leases to total assets | 64.8435% | 3,247 |
| Net loans and leases to deposits | 73.8388% | 3,609 |
| Net loans and leases to core deposits | 77.2882% | 3,713 |
| Total domestic deposits to total assets | 87.8177% | 1,520 |
| Equity capital to assets | 10.1185% | 4,072 |
| Core capital (leverage) ratio | 9.4545% | 4,263 |
| Tier 1 risk-based capital ratio | 12.2440% | 4,677 |
| Total risk-based capital ratio | 13.4986% | 4,595 |
| Memoranda: | ||
| Average total assets | $280,461,330 | 2,298 |
| Average earning assets | $256,506,670 | 2,326 |
| Average equity | $27,939,330 | 2,537 |
| Average total loans | $182,176,670 | 2,295 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8171% | 3,886 |
| Cost of funding earning assets | 0.2713% | 4,483 |
| Net interest margin | 3.5458% | 3,302 |
| Noninterest income to average assets | 0.9444% | 1,194 |
| Noninterest expense to average assets | 3.5585% | 1,085 |
| Loan and lease loss provision to assets | 0.0427% | 3,067 |
| Net operating income to assets | 0.4792% | 4,711 |
| Return on assets (ROA) | 0.5134% | 4,681 |
| Pretax return on assets | 0.6187% | 4,763 |
| Return on Equity (ROE) | 5.1944% | 4,399 |
| Retained earnings to average equity (ytd only) | 0.7626% | 4,914 |
| Net charge-offs to loans | -0.0066% | 4,378 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9687% | 1,159 |
| Assets per employee ($millions) | 3.2320% | 5,224 |
| Cash dividends to net income (ytd only)* | 85.3186% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6538% | 1,473 |
| Loan loss allowance to noncurrent loans | 571.8391% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.2770% | 4,449 |
| Noncurrent loans to loans | 0.2892% | 4,396 |
| Net loans and leases to total assets | 63.1283% | 3,367 |
| Net loans and leases to deposits | 71.7004% | 3,679 |
| Net loans and leases to core deposits | 75.3244% | 3,748 |
| Total domestic deposits to total assets | 88.0446% | 1,616 |
| Equity capital to assets | 9.9457% | 4,150 |
| Core capital (leverage) ratio | 9.3184% | 4,470 |
| Tier 1 risk-based capital ratio | 12.3996% | 4,652 |
| Total risk-based capital ratio | 13.6538% | 4,549 |
| Memoranda: | ||
| Average total assets | $281,244,000 | 2,307 |
| Average earning assets | $256,529,000 | 2,337 |
| Average equity | $27,799,000 | 2,541 |
| Average total loans | $181,304,500 | 2,297 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7744% | 4,121 |
| Cost of funding earning assets | 0.2945% | 4,314 |
| Net interest margin | 3.4799% | 3,596 |
| Noninterest income to average assets | 1.0579% | 1,054 |
| Noninterest expense to average assets | 3.4646% | 1,357 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6626% | 3,985 |
| Return on assets (ROA) | 0.6335% | 4,211 |
| Pretax return on assets | 0.7395% | 4,401 |
| Return on Equity (ROE) | 6.2277% | 3,940 |
| Retained earnings to average equity (ytd only) | 0.2859% | 5,396 |
| Net charge-offs to loans | 0.0315% | 3,588 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 38.9074% | 1,204 |
| Efficiency ratio | 80.5350% | 1,604 |
| Assets per employee ($millions) | 3.5163% | 4,808 |
| Cash dividends to net income (ytd only)* | 95.4096% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6209% | 1,546 |
| Loan loss allowance to noncurrent loans | 516.0839% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.2727% | 4,497 |
| Noncurrent loans to loans | 0.3141% | 4,337 |
| Net loans and leases to total assets | 63.6910% | 3,324 |
| Net loans and leases to deposits | 72.3182% | 3,684 |
| Net loans and leases to core deposits | 76.0801% | 3,746 |
| Total domestic deposits to total assets | 88.0705% | 1,591 |
| Equity capital to assets | 9.8229% | 4,166 |
| Core capital (leverage) ratio | 9.6097% | 4,036 |
| Tier 1 risk-based capital ratio | 12.2998% | 4,767 |
| Total risk-based capital ratio | 13.5529% | 4,654 |
| Memoranda: | ||
| Average total assets | $271,663,000 | 2,329 |
| Average earning assets | $248,251,600 | 2,354 |
| Average equity | $27,634,400 | 2,493 |
| Average total loans | $171,192,800 | 2,341 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7475% | 4,265 |
| Cost of funding earning assets | 0.2994% | 4,346 |
| Net interest margin | 3.4481% | 3,758 |
| Noninterest income to average assets | 1.0726% | 1,046 |
| Noninterest expense to average assets | 3.4287% | 1,417 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6795% | 3,995 |
| Return on assets (ROA) | 0.6408% | 4,293 |
| Pretax return on assets | 0.7522% | 4,483 |
| Return on Equity (ROE) | 6.2431% | 4,031 |
| Retained earnings to average equity (ytd only) | 0.3040% | 5,519 |
| Net charge-offs to loans | 0.0309% | 3,308 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 41.3067% | 1,216 |
| Efficiency ratio | 79.8946% | 1,673 |
| Assets per employee ($millions) | 3.5080% | 4,778 |
| Cash dividends to net income (ytd only)* | 95.1313% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6770% | 1,528 |
| Loan loss allowance to noncurrent loans | 463.5938% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.3266% | 4,462 |
| Noncurrent loans to loans | 0.3617% | 4,317 |
| Net loans and leases to total assets | 62.7693% | 3,492 |
| Net loans and leases to deposits | 72.5160% | 3,704 |
| Net loans and leases to core deposits | 76.8478% | 3,706 |
| Total domestic deposits to total assets | 86.5593% | 2,251 |
| Equity capital to assets | 10.0322% | 4,117 |
| Core capital (leverage) ratio | 9.7860% | 3,919 |
| Tier 1 risk-based capital ratio | 12.6464% | 4,650 |
| Total risk-based capital ratio | 13.8999% | 4,556 |
| Memoranda: | ||
| Average total assets | $269,253,250 | 2,366 |
| Average earning assets | $246,276,000 | 2,394 |
| Average equity | $27,635,000 | 2,503 |
| Average total loans | $168,462,000 | 2,384 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7547% | 4,225 |
| Cost of funding earning assets | 0.3094% | 4,288 |
| Net interest margin | 3.4453% | 3,735 |
| Noninterest income to average assets | 1.0126% | 1,154 |
| Noninterest expense to average assets | 3.4077% | 1,459 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6180% | 4,262 |
| Return on assets (ROA) | 0.6143% | 4,395 |
| Pretax return on assets | 0.7494% | 4,497 |
| Return on Equity (ROE) | 5.9392% | 4,155 |
| Retained earnings to average equity (ytd only) | -0.0145% | 5,508 |
| Net charge-offs to loans | 0.0495% | 2,719 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 24.5122% | 1,561 |
| Efficiency ratio | 80.6236% | 1,670 |
| Assets per employee ($millions) | 3.3427% | 5,086 |
| Cash dividends to net income (ytd only)* | 100.2442% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7698% | 1,434 |
| Loan loss allowance to noncurrent loans | 494.1667% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.3822% | 4,367 |
| Noncurrent loans to loans | 0.3581% | 4,423 |
| Net loans and leases to total assets | 61.5397% | 3,618 |
| Net loans and leases to deposits | 70.2443% | 3,903 |
| Net loans and leases to core deposits | 74.5649% | 3,899 |
| Total domestic deposits to total assets | 87.6081% | 1,834 |
| Equity capital to assets | 10.2664% | 3,726 |
| Core capital (leverage) ratio | 10.0320% | 3,548 |
| Tier 1 risk-based capital ratio | 14.6028% | 3,577 |
| Total risk-based capital ratio | 15.8592% | 3,504 |
| Memoranda: | ||
| Average total assets | $266,628,000 | 2,403 |
| Average earning assets | $243,694,330 | 2,431 |
| Average equity | $27,579,330 | 2,508 |
| Average total loans | $165,643,000 | 2,423 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7467% | 4,209 |
| Cost of funding earning assets | 0.3141% | 4,287 |
| Net interest margin | 3.4326% | 3,701 |
| Noninterest income to average assets | 0.9631% | 1,208 |
| Noninterest expense to average assets | 3.4120% | 1,469 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5754% | 4,383 |
| Return on assets (ROA) | 0.5754% | 4,486 |
| Pretax return on assets | 0.6866% | 4,628 |
| Return on Equity (ROE) | 5.5423% | 4,260 |
| Retained earnings to average equity (ytd only) | -0.3907% | 5,450 |
| Net charge-offs to loans | 0.0073% | 3,084 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 152.3333% | 354 |
| Efficiency ratio | 81.9648% | 1,626 |
| Assets per employee ($millions) | 3.3302% | 5,196 |
| Cash dividends to net income (ytd only)* | 107.0496% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8173% | 1,458 |
| Loan loss allowance to noncurrent loans | 455.6904% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.3795% | 4,499 |
| Noncurrent loans to loans | 0.3988% | 4,393 |
| Net loans and leases to total assets | 60.8990% | 3,539 |
| Net loans and leases to deposits | 70.2854% | 3,723 |
| Net loans and leases to core deposits | 73.6929% | 3,809 |
| Total domestic deposits to total assets | 86.6454% | 2,577 |
| Equity capital to assets | 10.3882% | 3,668 |
| Core capital (leverage) ratio | 10.0191% | 3,574 |
| Tier 1 risk-based capital ratio | 15.0042% | 3,434 |
| Total risk-based capital ratio | 16.2597% | 3,360 |
| Memoranda: | ||
| Average total assets | $266,234,000 | 2,418 |
| Average earning assets | $243,199,000 | 2,444 |
| Average equity | $27,642,000 | 2,528 |
| Average total loans | $164,698,500 | 2,436 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9174% | 4,061 |
| Cost of funding earning assets | 0.3432% | 4,323 |
| Net interest margin | 3.5741% | 3,498 |
| Noninterest income to average assets | 0.9376% | 1,388 |
| Noninterest expense to average assets | 3.4457% | 1,613 |
| Loan and lease loss provision to assets | 0.0038% | 4,529 |
| Net operating income to assets | 0.5870% | 4,439 |
| Return on assets (ROA) | 0.5813% | 4,538 |
| Pretax return on assets | 0.7306% | 4,509 |
| Return on Equity (ROE) | 5.7695% | 4,275 |
| Retained earnings to average equity (ytd only) | 2.2185% | 4,671 |
| Net charge-offs to loans | 0.0446% | 3,935 |
| Credit loss provision to net charge-offs | 13.6986% | 4,061 |
| Earnings coverage of net charge-offs (x) | 27.0822% | 1,444 |
| Efficiency ratio | 81.0373% | 1,765 |
| Assets per employee ($millions) | 3.4109% | 5,030 |
| Cash dividends to net income (ytd only)* | 61.5484% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8313% | 1,468 |
| Loan loss allowance to noncurrent loans | 415.7676% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.3116% | 4,794 |
| Noncurrent loans to loans | 0.4405% | 4,321 |
| Net loans and leases to total assets | 60.5683% | 3,708 |
| Net loans and leases to deposits | 69.8313% | 3,937 |
| Net loans and leases to core deposits | 73.3190% | 3,989 |
| Total domestic deposits to total assets | 86.7352% | 2,431 |
| Equity capital to assets | 10.3770% | 3,632 |
| Core capital (leverage) ratio | 10.0452% | 3,510 |
| Tier 1 risk-based capital ratio | 14.5372% | 3,752 |
| Total risk-based capital ratio | 15.7926% | 3,687 |
| Memoranda: | ||
| Average total assets | $266,624,800 | 2,374 |
| Average earning assets | $242,408,000 | 2,407 |
| Average equity | $26,865,200 | 2,498 |
| Average total loans | $163,860,000 | 2,392 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9195% | 4,098 |
| Cost of funding earning assets | 0.3499% | 4,344 |
| Net interest margin | 3.5695% | 3,556 |
| Noninterest income to average assets | 0.9341% | 1,411 |
| Noninterest expense to average assets | 3.4231% | 1,606 |
| Loan and lease loss provision to assets | 0.0050% | 4,313 |
| Net operating income to assets | 0.5760% | 4,560 |
| Return on assets (ROA) | 0.5768% | 4,636 |
| Pretax return on assets | 0.7547% | 4,517 |
| Return on Equity (ROE) | 5.7671% | 4,353 |
| Retained earnings to average equity (ytd only) | 3.0535% | 4,444 |
| Net charge-offs to loans | -0.0081% | 5,389 |
| Credit loss provision to net charge-offs | -100.0000% | 5,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6024% | 1,826 |
| Assets per employee ($millions) | 3.3933% | 5,058 |
| Cash dividends to net income (ytd only)* | 47.0535% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8819% | 1,498 |
| Loan loss allowance to noncurrent loans | 191.3879% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.6778% | 3,797 |
| Noncurrent loans to loans | 0.9833% | 3,110 |
| Net loans and leases to total assets | 61.6404% | 3,543 |
| Net loans and leases to deposits | 71.4629% | 3,741 |
| Net loans and leases to core deposits | 75.4265% | 3,812 |
| Total domestic deposits to total assets | 86.2551% | 2,725 |
| Equity capital to assets | 10.5208% | 3,529 |
| Core capital (leverage) ratio | 10.0344% | 3,631 |
| Tier 1 risk-based capital ratio | 14.3866% | 3,955 |
| Total risk-based capital ratio | 15.6421% | 3,891 |
| Memoranda: | ||
| Average total assets | $266,768,500 | 2,402 |
| Average earning assets | $242,713,750 | 2,419 |
| Average equity | $26,679,500 | 2,523 |
| Average total loans | $163,788,000 | 2,403 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8909% | 4,169 |
| Cost of funding earning assets | 0.3548% | 4,383 |
| Net interest margin | 3.5361% | 3,623 |
| Noninterest income to average assets | 0.8846% | 1,543 |
| Noninterest expense to average assets | 3.3850% | 1,712 |
| Loan and lease loss provision to assets | 0.0074% | 4,088 |
| Net operating income to assets | 0.5491% | 4,606 |
| Return on assets (ROA) | 0.5503% | 4,700 |
| Pretax return on assets | 0.7074% | 4,613 |
| Return on Equity (ROE) | 5.5964% | 4,389 |
| Retained earnings to average equity (ytd only) | 3.0443% | 4,271 |
| Net charge-offs to loans | -0.0073% | 5,252 |
| Credit loss provision to net charge-offs | -166.6667% | 5,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3227% | 1,835 |
| Assets per employee ($millions) | 3.4130% | 5,028 |
| Cash dividends to net income (ytd only)* | 45.6022% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8826% | 1,624 |
| Loan loss allowance to noncurrent loans | 183.0861% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.6750% | 3,970 |
| Noncurrent loans to loans | 1.0283% | 3,178 |
| Net loans and leases to total assets | 61.1789% | 3,543 |
| Net loans and leases to deposits | 70.5677% | 3,745 |
| Net loans and leases to core deposits | 74.5301% | 3,782 |
| Total domestic deposits to total assets | 86.6954% | 2,637 |
| Equity capital to assets | 10.3774% | 3,585 |
| Core capital (leverage) ratio | 9.8022% | 3,884 |
| Tier 1 risk-based capital ratio | 14.1894% | 4,134 |
| Total risk-based capital ratio | 15.4448% | 4,063 |
| Memoranda: | ||
| Average total assets | $268,597,000 | 2,384 |
| Average earning assets | $244,109,670 | 2,404 |
| Average equity | $26,409,670 | 2,532 |
| Average total loans | $163,669,000 | 2,407 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7445% | 4,689 |
| Cost of funding earning assets | 0.3602% | 4,432 |
| Net interest margin | 3.3843% | 4,202 |
| Noninterest income to average assets | 0.8958% | 1,400 |
| Noninterest expense to average assets | 3.3548% | 1,813 |
| Loan and lease loss provision to assets | 0.0147% | 3,635 |
| Net operating income to assets | 0.4882% | 4,743 |
| Return on assets (ROA) | 0.4906% | 4,815 |
| Pretax return on assets | 0.6026% | 4,820 |
| Return on Equity (ROE) | 5.1273% | 4,480 |
| Retained earnings to average equity (ytd only) | 2.6637% | 4,478 |
| Net charge-offs to loans | -0.0171% | 5,278 |
| Credit loss provision to net charge-offs | -142.8571% | 4,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2220% | 1,763 |
| Assets per employee ($millions) | 3.4913% | 4,931 |
| Cash dividends to net income (ytd only)* | 48.0480% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8972% | 1,765 |
| Loan loss allowance to noncurrent loans | 210.2931% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.8211% | 3,680 |
| Noncurrent loans to loans | 0.9022% | 3,627 |
| Net loans and leases to total assets | 58.5771% | 3,753 |
| Net loans and leases to deposits | 67.5861% | 3,904 |
| Net loans and leases to core deposits | 71.5587% | 3,917 |
| Total domestic deposits to total assets | 86.6703% | 3,005 |
| Equity capital to assets | 9.6848% | 4,250 |
| Core capital (leverage) ratio | 9.4767% | 4,318 |
| Tier 1 risk-based capital ratio | 14.3669% | 4,086 |
| Total risk-based capital ratio | 15.6230% | 4,039 |
| Memoranda: | ||
| Average total assets | $271,494,000 | 2,365 |
| Average earning assets | $246,551,000 | 2,382 |
| Average equity | $25,978,500 | 2,553 |
| Average total loans | $163,571,000 | 2,417 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8843% | 4,524 |
| Cost of funding earning assets | 0.4428% | 4,183 |
| Net interest margin | 3.4415% | 4,127 |
| Noninterest income to average assets | 0.9282% | 1,586 |
| Noninterest expense to average assets | 3.4453% | 1,778 |
| Loan and lease loss provision to assets | 0.0371% | 4,375 |
| Net operating income to assets | 0.4571% | 4,922 |
| Return on assets (ROA) | 0.4673% | 5,014 |
| Pretax return on assets | 0.5817% | 4,928 |
| Return on Equity (ROE) | 4.8238% | 4,705 |
| Retained earnings to average equity (ytd only) | 2.4848% | 4,487 |
| Net charge-offs to loans | 0.1150% | 3,663 |
| Credit loss provision to net charge-offs | 54.3478% | 3,722 |
| Earnings coverage of net charge-offs (x) | 8.8696% | 2,590 |
| Efficiency ratio | 83.7550% | 1,654 |
| Assets per employee ($millions) | 3.3415% | 5,202 |
| Cash dividends to net income (ytd only)* | 48.4897% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8652% | 1,871 |
| Loan loss allowance to noncurrent loans | 239.7656% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.7755% | 3,952 |
| Noncurrent loans to loans | 0.7779% | 4,025 |
| Net loans and leases to total assets | 59.6565% | 3,777 |
| Net loans and leases to deposits | 68.8026% | 3,938 |
| Net loans and leases to core deposits | 72.8853% | 3,967 |
| Total domestic deposits to total assets | 86.7067% | 2,875 |
| Equity capital to assets | 9.4520% | 4,493 |
| Core capital (leverage) ratio | 9.8602% | 3,757 |
| Tier 1 risk-based capital ratio | 13.8777% | 4,376 |
| Total risk-based capital ratio | 15.1326% | 4,317 |
| Memoranda: | ||
| Average total assets | $269,233,600 | 2,353 |
| Average earning assets | $244,344,200 | 2,382 |
| Average equity | $26,079,000 | 2,536 |
| Average total loans | $160,032,400 | 2,422 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8720% | 4,603 |
| Cost of funding earning assets | 0.4564% | 4,197 |
| Net interest margin | 3.4156% | 4,225 |
| Noninterest income to average assets | 0.9620% | 1,575 |
| Noninterest expense to average assets | 3.5029% | 1,608 |
| Loan and lease loss provision to assets | 0.0496% | 4,024 |
| Net operating income to assets | 0.4168% | 5,177 |
| Return on assets (ROA) | 0.4304% | 5,256 |
| Pretax return on assets | 0.5291% | 5,271 |
| Return on Equity (ROE) | 4.4167% | 5,018 |
| Retained earnings to average equity (ytd only) | 2.1269% | 5,042 |
| Net charge-offs to loans | 0.0562% | 4,105 |
| Credit loss provision to net charge-offs | 149.2537% | 1,580 |
| Earnings coverage of net charge-offs (x) | 16.9107% | 1,768 |
| Efficiency ratio | 84.8969% | 1,489 |
| Assets per employee ($millions) | 3.1860% | 5,522 |
| Cash dividends to net income (ytd only)* | 51.8439% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9350% | 1,901 |
| Loan loss allowance to noncurrent loans | 170.2833% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 1.0580% | 3,535 |
| Noncurrent loans to loans | 1.1363% | 3,535 |
| Net loans and leases to total assets | 61.8049% | 3,395 |
| Net loans and leases to deposits | 71.6426% | 3,556 |
| Net loans and leases to core deposits | 76.1047% | 3,602 |
| Total domestic deposits to total assets | 86.2684% | 3,096 |
| Equity capital to assets | 9.8583% | 4,100 |
| Core capital (leverage) ratio | 9.7999% | 3,957 |
| Tier 1 risk-based capital ratio | 13.8813% | 4,515 |
| Total risk-based capital ratio | 15.1371% | 4,467 |
| Memoranda: | ||
| Average total assets | $268,876,250 | 2,377 |
| Average earning assets | $244,244,000 | 2,399 |
| Average equity | $26,203,000 | 2,566 |
| Average total loans | $158,906,250 | 2,451 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8394% | 4,696 |
| Cost of funding earning assets | 0.4705% | 4,200 |
| Net interest margin | 3.3689% | 4,306 |
| Noninterest income to average assets | 0.9432% | 1,681 |
| Noninterest expense to average assets | 3.5326% | 1,536 |
| Loan and lease loss provision to assets | 0.0737% | 3,566 |
| Net operating income to assets | 0.3331% | 5,477 |
| Return on assets (ROA) | 0.3544% | 5,568 |
| Pretax return on assets | 0.4171% | 5,601 |
| Return on Equity (ROE) | 3.6505% | 5,358 |
| Retained earnings to average equity (ytd only) | 1.3737% | 5,335 |
| Net charge-offs to loans | 0.0548% | 3,914 |
| Credit loss provision to net charge-offs | 232.5581% | 1,068 |
| Earnings coverage of net charge-offs (x) | 14.6977% | 1,803 |
| Efficiency ratio | 87.0623% | 1,315 |
| Assets per employee ($millions) | 3.2292% | 5,415 |
| Cash dividends to net income (ytd only)* | 62.3701% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0185% | 1,810 |
| Loan loss allowance to noncurrent loans | 169.4826% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 1.0678% | 3,610 |
| Noncurrent loans to loans | 1.1910% | 3,570 |
| Net loans and leases to total assets | 58.1369% | 3,964 |
| Net loans and leases to deposits | 67.0659% | 4,137 |
| Net loans and leases to core deposits | 71.2667% | 4,140 |
| Total domestic deposits to total assets | 86.6861% | 3,009 |
| Equity capital to assets | 9.5959% | 4,455 |
| Core capital (leverage) ratio | 9.6122% | 4,061 |
| Tier 1 risk-based capital ratio | 13.8343% | 4,538 |
| Total risk-based capital ratio | 15.0906% | 4,504 |
| Memoranda: | ||
| Average total assets | $271,418,000 | 2,356 |
| Average earning assets | $246,132,670 | 2,387 |
| Average equity | $26,352,330 | 2,554 |
| Average total loans | $156,991,000 | 2,476 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8470% | 4,660 |
| Cost of funding earning assets | 0.5067% | 4,020 |
| Net interest margin | 3.3403% | 4,352 |
| Noninterest income to average assets | 0.8861% | 1,807 |
| Noninterest expense to average assets | 3.5867% | 1,445 |
| Loan and lease loss provision to assets | 0.1098% | 2,864 |
| Net operating income to assets | 0.2197% | 5,822 |
| Return on assets (ROA) | 0.2197% | 5,946 |
| Pretax return on assets | 0.2021% | 6,074 |
| Return on Equity (ROE) | 2.2498% | 5,858 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,764 |
| Net charge-offs to loans | 0.0128% | 3,889 |
| Credit loss provision to net charge-offs | 1,500.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 42.6000% | 747 |
| Efficiency ratio | 90.6837% | 1,083 |
| Assets per employee ($millions) | 3.2343% | 5,561 |
| Cash dividends to net income (ytd only)* | 100.0000% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0612% | 1,888 |
| Loan loss allowance to noncurrent loans | 169.8103% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 1.0568% | 3,819 |
| Noncurrent loans to loans | 1.2138% | 3,743 |
| Net loans and leases to total assets | 57.0482% | 3,916 |
| Net loans and leases to deposits | 66.5414% | 3,980 |
| Net loans and leases to core deposits | 69.7579% | 4,115 |
| Total domestic deposits to total assets | 85.7334% | 3,665 |
| Equity capital to assets | 9.9104% | 4,263 |
| Core capital (leverage) ratio | 9.2552% | 4,472 |
| Tier 1 risk-based capital ratio | 13.8502% | 4,613 |
| Total risk-based capital ratio | 15.1065% | 4,572 |
| Memoranda: | ||
| Average total assets | $273,116,500 | 2,364 |
| Average earning assets | $246,322,000 | 2,410 |
| Average equity | $26,669,000 | 2,549 |
| Average total loans | $155,972,000 | 2,512 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4632% | 3,555 |
| Cost of funding earning assets | 0.6733% | 3,709 |
| Net interest margin | 3.7899% | 3,273 |
| Noninterest income to average assets | 0.9729% | 1,624 |
| Noninterest expense to average assets | 3.4727% | 1,890 |
| Loan and lease loss provision to assets | 0.2620% | 2,550 |
| Net operating income to assets | 0.5123% | 4,632 |
| Return on assets (ROA) | 0.4423% | 5,166 |
| Pretax return on assets | 0.5842% | 5,041 |
| Return on Equity (ROE) | 4.1731% | 5,073 |
| Retained earnings to average equity (ytd only) | 1.6602% | 5,027 |
| Net charge-offs to loans | 0.0449% | 5,280 |
| Credit loss provision to net charge-offs | 923.0769% | 272 |
| Earnings coverage of net charge-offs (x) | 33.0615% | 942 |
| Efficiency ratio | 78.2540% | 2,402 |
| Assets per employee ($millions) | 3.3468% | 5,336 |
| Cash dividends to net income (ytd only)* | 60.2172% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0266% | 1,947 |
| Loan loss allowance to noncurrent loans | 155.0910% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 1.2391% | 3,583 |
| Noncurrent loans to loans | 1.3067% | 3,649 |
| Net loans and leases to total assets | 54.8710% | 4,476 |
| Net loans and leases to deposits | 63.7500% | 4,564 |
| Net loans and leases to core deposits | 66.7410% | 4,665 |
| Total domestic deposits to total assets | 86.0721% | 3,316 |
| Equity capital to assets | 9.6239% | 4,699 |
| Core capital (leverage) ratio | 9.4755% | 4,140 |
| Tier 1 risk-based capital ratio | 13.7327% | 4,578 |
| Total risk-based capital ratio | 14.9894% | 4,528 |
| Memoranda: | ||
| Average total assets | $229,016,000 | 2,737 |
| Average earning assets | $207,789,600 | 2,766 |
| Average equity | $24,274,600 | 2,732 |
| Average total loans | $144,733,600 | 2,654 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5280% | 3,524 |
| Cost of funding earning assets | 0.7032% | 3,742 |
| Net interest margin | 3.8248% | 3,229 |
| Noninterest income to average assets | 0.9691% | 1,600 |
| Noninterest expense to average assets | 3.4239% | 1,947 |
| Loan and lease loss provision to assets | 0.2767% | 2,359 |
| Net operating income to assets | 0.5411% | 4,656 |
| Return on assets (ROA) | 0.5411% | 4,922 |
| Pretax return on assets | 0.7570% | 4,652 |
| Return on Equity (ROE) | 4.9591% | 4,834 |
| Retained earnings to average equity (ytd only) | 2.4232% | 5,122 |
| Net charge-offs to loans | -0.0113% | 6,381 |
| Credit loss provision to net charge-offs | -3,750.0000% | 6,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6451% | 2,576 |
| Assets per employee ($millions) | 3.6553% | 4,642 |
| Cash dividends to net income (ytd only)* | 51.1370% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9045% | 2,456 |
| Loan loss allowance to noncurrent loans | 152.1739% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 1.5170% | 3,307 |
| Noncurrent loans to loans | 1.2515% | 3,964 |
| Net loans and leases to total assets | 59.4529% | 3,883 |
| Net loans and leases to deposits | 69.5114% | 3,964 |
| Net loans and leases to core deposits | 72.8004% | 4,157 |
| Total domestic deposits to total assets | 85.5298% | 3,495 |
| Equity capital to assets | 10.0244% | 4,457 |
| Core capital (leverage) ratio | 11.6097% | 1,904 |
| Tier 1 risk-based capital ratio | 13.9279% | 4,583 |
| Total risk-based capital ratio | 15.1835% | 4,536 |
| Memoranda: | ||
| Average total assets | $216,823,000 | 2,897 |
| Average earning assets | $197,756,000 | 2,888 |
| Average equity | $23,659,750 | 2,806 |
| Average total loans | $142,022,500 | 2,731 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8405% | 2,339 |
| Cost of funding earning assets | 0.7925% | 3,251 |
| Net interest margin | 4.0480% | 2,303 |
| Noninterest income to average assets | 0.9903% | 1,493 |
| Noninterest expense to average assets | 3.3245% | 2,238 |
| Loan and lease loss provision to assets | 0.2998% | 2,187 |
| Net operating income to assets | 0.7934% | 3,421 |
| Return on assets (ROA) | 0.7934% | 3,674 |
| Pretax return on assets | 1.0562% | 3,487 |
| Return on Equity (ROE) | 7.0172% | 3,766 |
| Retained earnings to average equity (ytd only) | 4.3659% | 3,709 |
| Net charge-offs to loans | -0.0546% | 6,688 |
| Credit loss provision to net charge-offs | -810.8108% | 6,369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0290% | 3,593 |
| Assets per employee ($millions) | 3.2879% | 5,475 |
| Cash dividends to net income (ytd only)* | 37.7834% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2185% | 1,730 |
| Loan loss allowance to noncurrent loans | 121.8054% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 2.0273% | 2,749 |
| Noncurrent loans to loans | 1.8214% | 3,189 |
| Net loans and leases to total assets | 64.9377% | 2,851 |
| Net loans and leases to deposits | 79.9829% | 2,385 |
| Net loans and leases to core deposits | 84.8232% | 2,585 |
| Total domestic deposits to total assets | 81.1895% | 5,397 |
| Equity capital to assets | 11.4991% | 2,598 |
| Core capital (leverage) ratio | 11.1640% | 2,155 |
| Tier 1 risk-based capital ratio | 15.4685% | 3,466 |
| Total risk-based capital ratio | 16.7281% | 3,420 |
| Memoranda: | ||
| Average total assets | $200,151,330 | 3,082 |
| Average earning assets | $182,459,000 | 3,093 |
| Average equity | $22,630,000 | 2,897 |
| Average total loans | $135,455,670 | 2,831 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9821% | 1,950 |
| Cost of funding earning assets | 0.8527% | 3,043 |
| Net interest margin | 4.1294% | 1,994 |
| Noninterest income to average assets | 0.8762% | 1,843 |
| Noninterest expense to average assets | 3.2649% | 2,402 |
| Loan and lease loss provision to assets | 0.3001% | 2,085 |
| Net operating income to assets | 0.7942% | 3,401 |
| Return on assets (ROA) | 0.7942% | 3,645 |
| Pretax return on assets | 1.0703% | 3,431 |
| Return on Equity (ROE) | 7.0850% | 3,735 |
| Retained earnings to average equity (ytd only) | 4.4081% | 3,952 |
| Net charge-offs to loans | -0.0088% | 5,907 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4359% | 3,733 |
| Assets per employee ($millions) | 3.2950% | 5,577 |
| Cash dividends to net income (ytd only)* | 37.7834% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0331% | 2,257 |
| Loan loss allowance to noncurrent loans | 108.0312% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 1.5703% | 3,506 |
| Noncurrent loans to loans | 1.8819% | 3,300 |
| Net loans and leases to total assets | 65.3610% | 2,588 |
| Net loans and leases to deposits | 79.3666% | 2,290 |
| Net loans and leases to core deposits | 82.5440% | 2,755 |
| Total domestic deposits to total assets | 82.3533% | 5,173 |
| Equity capital to assets | 11.0252% | 2,877 |
| Core capital (leverage) ratio | 10.9499% | 2,298 |
| Tier 1 risk-based capital ratio | 14.6738% | 3,971 |
| Total risk-based capital ratio | 15.9340% | 3,925 |
| Memoranda: | ||
| Average total assets | $199,945,500 | 3,102 |
| Average earning assets | $182,013,000 | 3,124 |
| Average equity | $22,413,500 | 2,925 |
| Average total loans | $136,585,500 | 2,833 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2938% | 1,724 |
| Cost of funding earning assets | 1.1960% | 2,058 |
| Net interest margin | 4.0978% | 2,433 |
| Noninterest income to average assets | 0.8586% | 1,808 |
| Noninterest expense to average assets | 3.3308% | 2,418 |
| Loan and lease loss provision to assets | 0.3157% | 3,153 |
| Net operating income to assets | 0.7008% | 3,487 |
| Return on assets (ROA) | 0.7126% | 3,611 |
| Pretax return on assets | 0.9182% | 3,551 |
| Return on Equity (ROE) | 6.5501% | 3,612 |
| Retained earnings to average equity (ytd only) | 3.7369% | 3,555 |
| Net charge-offs to loans | 0.2950% | 3,932 |
| Credit loss provision to net charge-offs | 155.0868% | 1,809 |
| Earnings coverage of net charge-offs (x) | 5.9876% | 2,626 |
| Efficiency ratio | 73.2127% | 3,356 |
| Assets per employee ($millions) | 3.1048% | 5,887 |
| Cash dividends to net income (ytd only)* | 42.9483% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9127% | 2,528 |
| Loan loss allowance to noncurrent loans | 93.9698% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 1.7121% | 3,384 |
| Noncurrent loans to loans | 2.0354% | 3,160 |
| Net loans and leases to total assets | 68.6377% | 2,283 |
| Net loans and leases to deposits | 84.0384% | 1,917 |
| Net loans and leases to core deposits | 90.4143% | 2,068 |
| Total domestic deposits to total assets | 81.6742% | 5,245 |
| Equity capital to assets | 11.4026% | 2,597 |
| Core capital (leverage) ratio | 11.2795% | 2,057 |
| Tier 1 risk-based capital ratio | 14.6823% | 3,849 |
| Total risk-based capital ratio | 15.9407% | 3,821 |
| Memoranda: | ||
| Average total assets | $198,000,800 | 3,076 |
| Average earning assets | $178,339,200 | 3,112 |
| Average equity | $21,541,800 | 2,944 |
| Average total loans | $136,616,800 | 2,867 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2875% | 1,910 |
| Cost of funding earning assets | 1.2590% | 1,944 |
| Net interest margin | 4.0285% | 2,787 |
| Noninterest income to average assets | 0.8660% | 1,771 |
| Noninterest expense to average assets | 3.3641% | 2,294 |
| Loan and lease loss provision to assets | 0.3021% | 3,112 |
| Net operating income to assets | 0.6566% | 3,841 |
| Return on assets (ROA) | 0.6566% | 4,007 |
| Pretax return on assets | 0.8217% | 4,049 |
| Return on Equity (ROE) | 6.1072% | 3,978 |
| Retained earnings to average equity (ytd only) | 3.2597% | 4,400 |
| Net charge-offs to loans | 0.0127% | 5,971 |
| Credit loss provision to net charge-offs | 3,461.5385% | 86 |
| Earnings coverage of net charge-offs (x) | 128.7905% | 287 |
| Efficiency ratio | 74.9589% | 3,012 |
| Assets per employee ($millions) | 3.1727% | 5,747 |
| Cash dividends to net income (ytd only)* | 46.6253% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0551% | 2,190 |
| Loan loss allowance to noncurrent loans | 93.2215% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 1.9006% | 3,266 |
| Noncurrent loans to loans | 2.2045% | 3,104 |
| Net loans and leases to total assets | 67.5497% | 2,563 |
| Net loans and leases to deposits | 82.8403% | 2,199 |
| Net loans and leases to core deposits | 90.6405% | 2,173 |
| Total domestic deposits to total assets | 81.5420% | 5,239 |
| Equity capital to assets | 10.9800% | 3,169 |
| Core capital (leverage) ratio | 10.9244% | 2,456 |
| Tier 1 risk-based capital ratio | 14.0123% | 4,345 |
| Total risk-based capital ratio | 15.2707% | 4,312 |
| Memoranda: | ||
| Average total assets | $198,600,000 | 3,091 |
| Average earning assets | $178,554,500 | 3,133 |
| Average equity | $21,351,250 | 2,962 |
| Average total loans | $136,552,000 | 2,895 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3487% | 1,722 |
| Cost of funding earning assets | 1.3056% | 1,911 |
| Net interest margin | 4.0431% | 2,638 |
| Noninterest income to average assets | 0.8952% | 1,660 |
| Noninterest expense to average assets | 3.4313% | 2,179 |
| Loan and lease loss provision to assets | 0.3028% | 2,988 |
| Net operating income to assets | 0.6247% | 3,938 |
| Return on assets (ROA) | 0.6247% | 4,064 |
| Pretax return on assets | 0.7801% | 4,099 |
| Return on Equity (ROE) | 5.8527% | 4,038 |
| Retained earnings to average equity (ytd only) | 3.0540% | 4,334 |
| Net charge-offs to loans | 0.0235% | 5,506 |
| Credit loss provision to net charge-offs | 1,875.0000% | 179 |
| Earnings coverage of net charge-offs (x) | 67.0625% | 493 |
| Efficiency ratio | 76.0116% | 3,008 |
| Assets per employee ($millions) | 3.1621% | 5,719 |
| Cash dividends to net income (ytd only)* | 47.8191% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9931% | 2,392 |
| Loan loss allowance to noncurrent loans | 85.4592% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 1.8277% | 3,473 |
| Noncurrent loans to loans | 2.3322% | 3,057 |
| Net loans and leases to total assets | 66.1530% | 3,004 |
| Net loans and leases to deposits | 80.8655% | 2,632 |
| Net loans and leases to core deposits | 88.9573% | 2,505 |
| Total domestic deposits to total assets | 81.8062% | 5,232 |
| Equity capital to assets | 10.7886% | 3,184 |
| Core capital (leverage) ratio | 10.9801% | 2,273 |
| Tier 1 risk-based capital ratio | 14.1129% | 4,090 |
| Total risk-based capital ratio | 15.3703% | 4,052 |
| Memoranda: | ||
| Average total assets | $198,173,000 | 3,118 |
| Average earning assets | $177,390,330 | 3,170 |
| Average equity | $21,152,670 | 2,977 |
| Average total loans | $136,118,670 | 2,930 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4489% | 1,431 |
| Cost of funding earning assets | 1.3793% | 1,718 |
| Net interest margin | 4.0696% | 2,392 |
| Noninterest income to average assets | 0.9491% | 1,477 |
| Noninterest expense to average assets | 3.4545% | 2,131 |
| Loan and lease loss provision to assets | 0.3036% | 2,737 |
| Net operating income to assets | 0.6456% | 3,770 |
| Return on assets (ROA) | 0.6456% | 3,847 |
| Pretax return on assets | 0.8095% | 3,869 |
| Return on Equity (ROE) | 6.0811% | 3,862 |
| Retained earnings to average equity (ytd only) | 3.2979% | 4,208 |
| Net charge-offs to loans | -0.0088% | 6,336 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6314% | 3,218 |
| Assets per employee ($millions) | 3.2071% | 5,694 |
| Cash dividends to net income (ytd only)* | 45.7680% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8737% | 2,778 |
| Loan loss allowance to noncurrent loans | 111.7492% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 1.4444% | 4,103 |
| Noncurrent loans to loans | 1.6767% | 3,968 |
| Net loans and leases to total assets | 67.1367% | 2,728 |
| Net loans and leases to deposits | 82.2316% | 2,324 |
| Net loans and leases to core deposits | 93.0181% | 2,006 |
| Total domestic deposits to total assets | 81.6434% | 5,440 |
| Equity capital to assets | 10.6352% | 3,054 |
| Core capital (leverage) ratio | 10.7001% | 2,438 |
| Tier 1 risk-based capital ratio | 13.7760% | 4,228 |
| Total risk-based capital ratio | 15.0310% | 4,205 |
| Memoranda: | ||
| Average total assets | $197,654,000 | 3,147 |
| Average earning assets | $175,742,000 | 3,213 |
| Average equity | $20,983,000 | 2,985 |
| Average total loans | $136,946,000 | 2,949 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7719% | 1,353 |
| Cost of funding earning assets | 1.6769% | 1,701 |
| Net interest margin | 4.0950% | 2,584 |
| Noninterest income to average assets | 0.8833% | 1,915 |
| Noninterest expense to average assets | 3.2826% | 2,789 |
| Loan and lease loss provision to assets | 0.4402% | 3,478 |
| Net operating income to assets | 0.6642% | 3,375 |
| Return on assets (ROA) | 0.6642% | 3,516 |
| Pretax return on assets | 0.8378% | 3,510 |
| Return on Equity (ROE) | 6.5816% | 3,308 |
| Retained earnings to average equity (ytd only) | 4.2553% | 2,866 |
| Net charge-offs to loans | 0.3076% | 4,479 |
| Credit loss provision to net charge-offs | 200.4454% | 1,557 |
| Earnings coverage of net charge-offs (x) | 5.8196% | 2,529 |
| Efficiency ratio | 71.9786% | 3,802 |
| Assets per employee ($millions) | 3.1186% | 5,841 |
| Cash dividends to net income (ytd only)* | 35.3461% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7381% | 3,078 |
| Loan loss allowance to noncurrent loans | 94.6288% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 1.4923% | 4,077 |
| Noncurrent loans to loans | 1.8368% | 3,769 |
| Net loans and leases to total assets | 68.9437% | 2,760 |
| Net loans and leases to deposits | 84.7116% | 2,340 |
| Net loans and leases to core deposits | 100.4129% | 1,583 |
| Total domestic deposits to total assets | 81.3864% | 5,393 |
| Equity capital to assets | 10.5966% | 3,066 |
| Core capital (leverage) ratio | 10.6508% | 2,415 |
| Tier 1 risk-based capital ratio | 13.6685% | 4,083 |
| Total risk-based capital ratio | 14.7887% | 4,137 |
| Memoranda: | ||
| Average total assets | $204,470,800 | 3,048 |
| Average earning assets | $183,614,200 | 3,084 |
| Average equity | $20,633,200 | 3,056 |
| Average total loans | $145,971,200 | 2,839 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8732% | 1,194 |
| Cost of funding earning assets | 1.7157% | 1,790 |
| Net interest margin | 4.1576% | 2,375 |
| Noninterest income to average assets | 0.7297% | 2,642 |
| Noninterest expense to average assets | 3.2404% | 2,779 |
| Loan and lease loss provision to assets | 0.4843% | 3,053 |
| Net operating income to assets | 0.6380% | 3,713 |
| Return on assets (ROA) | 0.6380% | 3,881 |
| Pretax return on assets | 0.7685% | 4,017 |
| Return on Equity (ROE) | 6.3988% | 3,624 |
| Retained earnings to average equity (ytd only) | 4.0672% | 3,611 |
| Net charge-offs to loans | 0.0829% | 5,700 |
| Credit loss provision to net charge-offs | 815.2174% | 366 |
| Earnings coverage of net charge-offs (x) | 21.0876% | 1,143 |
| Efficiency ratio | 72.1184% | 3,673 |
| Assets per employee ($millions) | 3.1769% | 5,733 |
| Cash dividends to net income (ytd only)* | 36.4374% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8051% | 2,768 |
| Loan loss allowance to noncurrent loans | 97.7102% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 1.5609% | 4,104 |
| Noncurrent loans to loans | 1.8474% | 3,868 |
| Net loans and leases to total assets | 70.7484% | 2,546 |
| Net loans and leases to deposits | 86.9451% | 2,160 |
| Net loans and leases to core deposits | 99.1145% | 1,931 |
| Total domestic deposits to total assets | 81.3713% | 5,246 |
| Equity capital to assets | 10.4990% | 3,518 |
| Core capital (leverage) ratio | 10.4286% | 2,767 |
| Tier 1 risk-based capital ratio | 12.8389% | 4,700 |
| Total risk-based capital ratio | 13.9532% | 4,794 |
| Memoranda: | ||
| Average total assets | $206,471,250 | 3,060 |
| Average earning assets | $186,899,750 | 3,089 |
| Average equity | $20,586,750 | 3,101 |
| Average total loans | $148,001,750 | 2,842 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7674% | 1,514 |
| Cost of funding earning assets | 1.7633% | 1,798 |
| Net interest margin | 4.0042% | 2,998 |
| Noninterest income to average assets | 0.6770% | 2,837 |
| Noninterest expense to average assets | 3.1786% | 2,978 |
| Loan and lease loss provision to assets | 0.5513% | 2,570 |
| Net operating income to assets | 0.5251% | 4,216 |
| Return on assets (ROA) | 0.5293% | 4,354 |
| Pretax return on assets | 0.6012% | 4,558 |
| Return on Equity (ROE) | 5.3999% | 4,092 |
| Retained earnings to average equity (ytd only) | 3.0521% | 4,159 |
| Net charge-offs to loans | 0.0214% | 6,040 |
| Credit loss provision to net charge-offs | 3,593.7500% | 110 |
| Earnings coverage of net charge-offs (x) | 74.8125% | 421 |
| Efficiency ratio | 73.4707% | 3,566 |
| Assets per employee ($millions) | 3.2540% | 5,541 |
| Cash dividends to net income (ytd only)* | 43.4783% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7090% | 3,037 |
| Loan loss allowance to noncurrent loans | 91.4202% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 1.5559% | 4,127 |
| Noncurrent loans to loans | 1.8694% | 3,908 |
| Net loans and leases to total assets | 71.3836% | 2,571 |
| Net loans and leases to deposits | 87.6814% | 2,234 |
| Net loans and leases to core deposits | 100.7246% | 1,944 |
| Total domestic deposits to total assets | 81.4125% | 5,236 |
| Equity capital to assets | 10.2346% | 3,726 |
| Core capital (leverage) ratio | 10.0918% | 3,074 |
| Tier 1 risk-based capital ratio | 12.3536% | 4,987 |
| Total risk-based capital ratio | 13.4592% | 5,087 |
| Memoranda: | ||
| Average total assets | $208,580,670 | 3,058 |
| Average earning assets | $190,102,670 | 3,062 |
| Average equity | $20,444,670 | 3,118 |
| Average total loans | $149,268,670 | 2,849 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7146% | 1,723 |
| Cost of funding earning assets | 1.8215% | 1,792 |
| Net interest margin | 3.8931% | 3,361 |
| Noninterest income to average assets | 0.6038% | 3,256 |
| Noninterest expense to average assets | 3.0265% | 3,575 |
| Loan and lease loss provision to assets | 0.5660% | 2,229 |
| Net operating income to assets | 0.4981% | 4,397 |
| Return on assets (ROA) | 0.4981% | 4,537 |
| Pretax return on assets | 0.5642% | 4,736 |
| Return on Equity (ROE) | 5.1910% | 4,265 |
| Retained earnings to average equity (ytd only) | 2.8314% | 4,435 |
| Net charge-offs to loans | -0.1859% | 7,655 |
| Credit loss provision to net charge-offs | -428.5714% | 6,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8098% | 3,797 |
| Assets per employee ($millions) | 3.3843% | 5,330 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5603% | 3,617 |
| Loan loss allowance to noncurrent loans | 80.1315% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 1.5932% | 4,108 |
| Noncurrent loans to loans | 1.9472% | 3,864 |
| Net loans and leases to total assets | 70.7484% | 2,750 |
| Net loans and leases to deposits | 85.4471% | 2,691 |
| Net loans and leases to core deposits | 98.3052% | 2,312 |
| Total domestic deposits to total assets | 82.7979% | 4,720 |
| Equity capital to assets | 9.9123% | 3,970 |
| Core capital (leverage) ratio | 9.5304% | 3,720 |
| Tier 1 risk-based capital ratio | 11.9850% | 5,209 |
| Total risk-based capital ratio | 13.0807% | 5,310 |
| Memoranda: | ||
| Average total assets | $211,997,000 | 3,081 |
| Average earning assets | $193,471,000 | 3,084 |
| Average equity | $20,343,000 | 3,163 |
| Average total loans | $150,643,500 | 2,884 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8423% | 2,476 |
| Cost of funding earning assets | 2.2487% | 1,844 |
| Net interest margin | 3.5936% | 4,573 |
| Noninterest income to average assets | 0.5761% | 3,809 |
| Noninterest expense to average assets | 2.8432% | 4,775 |
| Loan and lease loss provision to assets | 0.3843% | 4,488 |
| Net operating income to assets | 0.5385% | 3,578 |
| Return on assets (ROA) | 0.5385% | 3,660 |
| Pretax return on assets | 0.6587% | 3,713 |
| Return on Equity (ROE) | 5.9904% | 3,214 |
| Retained earnings to average equity (ytd only) | 1.5659% | 3,981 |
| Net charge-offs to loans | 0.8432% | 2,720 |
| Credit loss provision to net charge-offs | 65.0038% | 6,566 |
| Earnings coverage of net charge-offs (x) | 1.7642% | 4,401 |
| Efficiency ratio | 73.0911% | 4,076 |
| Assets per employee ($millions) | 3.5089% | 4,987 |
| Cash dividends to net income (ytd only)* | 73.8589% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2719% | 4,926 |
| Loan loss allowance to noncurrent loans | 64.9633% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 1.6736% | 3,860 |
| Noncurrent loans to loans | 1.9579% | 3,721 |
| Net loans and leases to total assets | 69.3961% | 3,387 |
| Net loans and leases to deposits | 82.4355% | 3,557 |
| Net loans and leases to core deposits | 108.0864% | 3,096 |
| Total domestic deposits to total assets | 84.1823% | 3,946 |
| Equity capital to assets | 9.2956% | 4,702 |
| Core capital (leverage) ratio | 9.2371% | 4,071 |
| Tier 1 risk-based capital ratio | 11.4263% | 5,476 |
| Total risk-based capital ratio | 12.5101% | 5,606 |
| Memoranda: | ||
| Average total assets | $223,758,200 | 2,892 |
| Average earning assets | $206,118,000 | 2,889 |
| Average equity | $20,115,600 | 3,177 |
| Average total loans | $156,906,000 | 2,818 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8291% | 2,757 |
| Cost of funding earning assets | 2.3246% | 1,894 |
| Net interest margin | 3.5045% | 4,845 |
| Noninterest income to average assets | 0.5953% | 3,750 |
| Noninterest expense to average assets | 2.7973% | 4,911 |
| Loan and lease loss provision to assets | 0.3314% | 4,354 |
| Net operating income to assets | 0.5711% | 3,726 |
| Return on assets (ROA) | 0.5711% | 3,791 |
| Pretax return on assets | 0.7042% | 3,839 |
| Return on Equity (ROE) | 6.4047% | 3,346 |
| Retained earnings to average equity (ytd only) | 1.2942% | 4,600 |
| Net charge-offs to loans | 0.6367% | 2,775 |
| Credit loss provision to net charge-offs | 74.2706% | 5,898 |
| Earnings coverage of net charge-offs (x) | 2.3210% | 4,085 |
| Efficiency ratio | 72.9041% | 4,072 |
| Assets per employee ($millions) | 3.5762% | 4,740 |
| Cash dividends to net income (ytd only)* | 79.7929% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4074% | 3,897 |
| Loan loss allowance to noncurrent loans | 58.4941% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 1.7260% | 3,775 |
| Noncurrent loans to loans | 2.4061% | 3,130 |
| Net loans and leases to total assets | 69.9486% | 3,527 |
| Net loans and leases to deposits | 83.1595% | 3,802 |
| Net loans and leases to core deposits | 110.4311% | 3,187 |
| Total domestic deposits to total assets | 84.1138% | 3,668 |
| Equity capital to assets | 9.1757% | 5,207 |
| Core capital (leverage) ratio | 8.8428% | 4,905 |
| Tier 1 risk-based capital ratio | 11.2050% | 5,745 |
| Total risk-based capital ratio | 12.2894% | 5,871 |
| Memoranda: | ||
| Average total assets | $225,309,250 | 2,891 |
| Average earning assets | $208,144,500 | 2,876 |
| Average equity | $20,088,750 | 3,218 |
| Average total loans | $157,902,750 | 2,830 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8529% | 2,791 |
| Cost of funding earning assets | 2.3704% | 2,078 |
| Net interest margin | 3.4825% | 4,879 |
| Noninterest income to average assets | 0.5943% | 3,743 |
| Noninterest expense to average assets | 2.7593% | 5,135 |
| Loan and lease loss provision to assets | 0.2958% | 4,195 |
| Net operating income to assets | 0.6031% | 3,659 |
| Return on assets (ROA) | 0.6031% | 3,771 |
| Pretax return on assets | 0.7576% | 3,812 |
| Return on Equity (ROE) | 6.8289% | 3,273 |
| Retained earnings to average equity (ytd only) | 1.0298% | 4,755 |
| Net charge-offs to loans | 0.1227% | 4,937 |
| Credit loss provision to net charge-offs | 345.3608% | 1,341 |
| Earnings coverage of net charge-offs (x) | 12.2990% | 1,830 |
| Efficiency ratio | 72.3020% | 4,348 |
| Assets per employee ($millions) | 3.7717% | 4,174 |
| Cash dividends to net income (ytd only)* | 84.9195% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6398% | 2,568 |
| Loan loss allowance to noncurrent loans | 86.0768% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 1.4413% | 4,085 |
| Noncurrent loans to loans | 1.9050% | 3,663 |
| Net loans and leases to total assets | 68.9871% | 3,952 |
| Net loans and leases to deposits | 82.4515% | 4,148 |
| Net loans and leases to core deposits | 110.0976% | 3,361 |
| Total domestic deposits to total assets | 83.6699% | 3,929 |
| Equity capital to assets | 8.6686% | 5,797 |
| Core capital (leverage) ratio | 8.5796% | 5,299 |
| Tier 1 risk-based capital ratio | 10.7908% | 6,093 |
| Total risk-based capital ratio | 11.8826% | 6,185 |
| Memoranda: | ||
| Average total assets | $226,503,330 | 2,894 |
| Average earning assets | $209,331,670 | 2,878 |
| Average equity | $20,003,330 | 3,244 |
| Average total loans | $158,100,670 | 2,853 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9610% | 2,520 |
| Cost of funding earning assets | 2.4180% | 2,219 |
| Net interest margin | 3.5430% | 4,551 |
| Noninterest income to average assets | 0.6248% | 3,383 |
| Noninterest expense to average assets | 2.7092% | 4,957 |
| Loan and lease loss provision to assets | 0.2403% | 4,057 |
| Net operating income to assets | 0.7405% | 3,390 |
| Return on assets (ROA) | 0.7405% | 3,571 |
| Pretax return on assets | 0.9381% | 3,573 |
| Return on Equity (ROE) | 8.3063% | 3,007 |
| Retained earnings to average equity (ytd only) | 4.5126% | 3,419 |
| Net charge-offs to loans | 0.0486% | 4,802 |
| Credit loss provision to net charge-offs | 710.5263% | 838 |
| Earnings coverage of net charge-offs (x) | 34.8421% | 951 |
| Efficiency ratio | 69.5971% | 4,656 |
| Assets per employee ($millions) | 3.7963% | 4,103 |
| Cash dividends to net income (ytd only)* | 45.6731% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6237% | 2,426 |
| Loan loss allowance to noncurrent loans | 123.4834% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.9712% | 4,767 |
| Noncurrent loans to loans | 1.3149% | 4,347 |
| Net loans and leases to total assets | 64.9727% | 4,816 |
| Net loans and leases to deposits | 76.8690% | 5,107 |
| Net loans and leases to core deposits | 103.1089% | 4,231 |
| Total domestic deposits to total assets | 84.5240% | 3,451 |
| Equity capital to assets | 8.5580% | 5,977 |
| Core capital (leverage) ratio | 9.0254% | 4,664 |
| Tier 1 risk-based capital ratio | 11.1073% | 5,808 |
| Total risk-based capital ratio | 12.3190% | 5,746 |
| Memoranda: | ||
| Average total assets | $224,719,000 | 2,936 |
| Average earning assets | $206,945,000 | 2,923 |
| Average equity | $20,033,000 | 3,255 |
| Average total loans | $156,468,000 | 2,906 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6236% | 2,377 |
| Cost of funding earning assets | 2.7972% | 2,719 |
| Net interest margin | 3.8264% | 3,910 |
| Noninterest income to average assets | 0.6396% | 3,555 |
| Noninterest expense to average assets | 2.7352% | 5,113 |
| Loan and lease loss provision to assets | 0.3090% | 3,896 |
| Net operating income to assets | 0.8537% | 3,213 |
| Return on assets (ROA) | 0.8545% | 3,046 |
| Pretax return on assets | 1.1089% | 2,997 |
| Return on Equity (ROE) | 9.1063% | 2,605 |
| Retained earnings to average equity (ytd only) | 5.2992% | 1,858 |
| Net charge-offs to loans | 0.0356% | 6,304 |
| Credit loss provision to net charge-offs | 1,207.5472% | 373 |
| Earnings coverage of net charge-offs (x) | 55.3774% | 712 |
| Efficiency ratio | 65.7830% | 5,170 |
| Assets per employee ($millions) | 3.6283% | 4,344 |
| Cash dividends to net income (ytd only)* | 41.8079% | 3,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5290% | 2,546 |
| Loan loss allowance to noncurrent loans | 124.7022% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 1.0146% | 4,292 |
| Noncurrent loans to loans | 1.2261% | 4,061 |
| Net loans and leases to total assets | 72.4432% | 3,494 |
| Net loans and leases to deposits | 87.8927% | 3,819 |
| Net loans and leases to core deposits | 115.8726% | 3,132 |
| Total domestic deposits to total assets | 82.4223% | 4,035 |
| Equity capital to assets | 9.3069% | 4,929 |
| Core capital (leverage) ratio | 9.4869% | 4,027 |
| Tier 1 risk-based capital ratio | 10.6090% | 6,093 |
| Total risk-based capital ratio | 11.8508% | 6,005 |
| Memoranda: | ||
| Average total assets | $207,150,200 | 3,041 |
| Average earning assets | $190,154,600 | 3,038 |
| Average equity | $19,437,000 | 3,315 |
| Average total loans | $148,903,600 | 2,949 |