Home > Raccoon Valley Bank > Performance and Condition Ratios
Raccoon Valley 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 | 5.1925% | 1,680 |
| Cost of funding earning assets | 1.8414% | 1,184 |
| Net interest margin | 3.3511% | 2,512 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 2.1324% | 3,320 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 1.2129% | 1,621 |
| Return on assets (ROA) | 1.2503% | 1,513 |
| Pretax return on assets | 1.3178% | 1,822 |
| Return on Equity (ROE) | 15.2600% | 1,236 |
| Retained earnings to average equity (ytd only) | 8.6516% | 1,352 |
| Net charge-offs to loans | 0.0288% | 1,725 |
| Credit loss provision to net charge-offs | 918.3673% | 438 |
| Earnings coverage of net charge-offs (x) | 65.8367% | 1,132 |
| Efficiency ratio | 58.9385% | 3,192 |
| Assets per employee ($millions) | 8.7853% | 1,072 |
| Cash dividends to net income (ytd only)* | 43.3149% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2756% | 1,900 |
| Loan loss allowance to noncurrent loans | 190.8629% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.5276% | 1,064 |
| Noncurrent loans to loans | 0.6683% | 1,173 |
| Net loans and leases to total assets | 77.9400% | 876 |
| Net loans and leases to deposits | 86.2523% | 1,599 |
| Net loans and leases to core deposits | 107.7495% | 1,046 |
| Total domestic deposits to total assets | 90.3600% | 660 |
| Equity capital to assets | 8.4071% | 3,114 |
| Core capital (leverage) ratio | 8.9427% | 3,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7415% | 2,645 |
| Memoranda: | ||
| Average total assets | $434,292,200 | 1,903 |
| Average earning assets | $413,113,000 | 1,864 |
| Average equity | $35,577,200 | 2,031 |
| Average total loans | $340,480,800 | 1,646 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1015% | 1,634 |
| Cost of funding earning assets | 1.6957% | 1,198 |
| Net interest margin | 3.4058% | 2,441 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 2.1232% | 3,292 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 1.4386% | 1,236 |
| Return on assets (ROA) | 1.4894% | 1,126 |
| Pretax return on assets | 1.5538% | 1,459 |
| Return on Equity (ROE) | 18.3100% | 910 |
| Retained earnings to average equity (ytd only) | 11.5969% | 1,048 |
| Net charge-offs to loans | 0.0391% | 1,330 |
| Credit loss provision to net charge-offs | 454.5455% | 679 |
| Earnings coverage of net charge-offs (x) | 53.5354% | 1,273 |
| Efficiency ratio | 56.4181% | 3,366 |
| Assets per employee ($millions) | 8.6542% | 1,056 |
| Cash dividends to net income (ytd only)* | 36.6507% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1868% | 2,432 |
| Loan loss allowance to noncurrent loans | 1,598.8189% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.0575% | 3,238 |
| Noncurrent loans to loans | 0.0742% | 3,228 |
| Net loans and leases to total assets | 76.6100% | 1,045 |
| Net loans and leases to deposits | 84.8876% | 1,659 |
| Net loans and leases to core deposits | 96.8551% | 1,513 |
| Total domestic deposits to total assets | 90.2500% | 876 |
| Equity capital to assets | 8.0745% | 3,014 |
| Core capital (leverage) ratio | 9.2094% | 3,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9893% | 2,614 |
| Memoranda: | ||
| Average total assets | $430,852,250 | 1,913 |
| Average earning assets | $410,037,750 | 1,872 |
| Average equity | $35,054,500 | 2,045 |
| Average total loans | $337,169,750 | 1,655 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0031% | 1,562 |
| Cost of funding earning assets | 1.5834% | 1,100 |
| Net interest margin | 3.4197% | 2,475 |
| Noninterest income to average assets | 0.6800% | 1,182 |
| Noninterest expense to average assets | 2.1229% | 3,285 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.6076% | 936 |
| Return on assets (ROA) | 1.6198% | 915 |
| Pretax return on assets | 1.6848% | 1,246 |
| Return on Equity (ROE) | 19.8600% | 720 |
| Retained earnings to average equity (ytd only) | 13.1096% | 792 |
| Net charge-offs to loans | -0.0006% | 3,405 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.9422% | 3,616 |
| Assets per employee ($millions) | 8.3598% | 1,157 |
| Cash dividends to net income (ytd only)* | 33.9786% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1835% | 2,520 |
| Loan loss allowance to noncurrent loans | 751.1236% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.1228% | 2,683 |
| Noncurrent loans to loans | 0.1576% | 2,687 |
| Net loans and leases to total assets | 77.0400% | 939 |
| Net loans and leases to deposits | 84.9412% | 1,592 |
| Net loans and leases to core deposits | 96.1335% | 1,460 |
| Total domestic deposits to total assets | 90.6900% | 732 |
| Equity capital to assets | 8.2975% | 3,027 |
| Core capital (leverage) ratio | 9.0032% | 3,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7880% | 2,685 |
| Memoranda: | ||
| Average total assets | $427,348,000 | 1,927 |
| Average earning assets | $406,471,000 | 1,892 |
| Average equity | $34,860,000 | 2,064 |
| Average total loans | $335,499,000 | 1,649 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8691% | 1,467 |
| Cost of funding earning assets | 1.4733% | 888 |
| Net interest margin | 3.3958% | 2,645 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 2.0705% | 3,447 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 1.1616% | 2,040 |
| Return on assets (ROA) | 1.1858% | 1,932 |
| Pretax return on assets | 1.2529% | 2,295 |
| Return on Equity (ROE) | 14.6700% | 1,630 |
| Retained earnings to average equity (ytd only) | 7.8003% | 2,279 |
| Net charge-offs to loans | 0.0012% | 2,010 |
| Credit loss provision to net charge-offs | 15,000.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 1,450.0000% | 62 |
| Efficiency ratio | 60.1976% | 2,934 |
| Assets per employee ($millions) | 8.6432% | 1,077 |
| Cash dividends to net income (ytd only)* | 46.8153% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1481% | 2,828 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 76.8800% | 885 |
| Net loans and leases to deposits | 84.7581% | 1,447 |
| Net loans and leases to core deposits | 95.3173% | 1,320 |
| Total domestic deposits to total assets | 90.7100% | 905 |
| Equity capital to assets | 8.0669% | 3,197 |
| Core capital (leverage) ratio | 8.7712% | 3,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3741% | 2,888 |
| Memoranda: | ||
| Average total assets | $423,668,000 | 1,966 |
| Average earning assets | $403,440,000 | 1,927 |
| Average equity | $34,255,000 | 2,105 |
| Average total loans | $333,800,500 | 1,669 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0193% | 1,664 |
| Cost of funding earning assets | 0.5146% | 1,296 |
| Net interest margin | 3.5047% | 1,917 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 2.0496% | 3,443 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.3343% | 1,329 |
| Return on assets (ROA) | 1.3404% | 1,266 |
| Pretax return on assets | 1.4119% | 1,735 |
| Return on Equity (ROE) | 16.2600% | 1,003 |
| Retained earnings to average equity (ytd only) | 8.0984% | 1,791 |
| Net charge-offs to loans | -0.0003% | 3,284 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.9860% | 3,469 |
| Assets per employee ($millions) | 8.8335% | 965 |
| Cash dividends to net income (ytd only)* | 50.1853% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 2,798 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 78.9500% | 701 |
| Net loans and leases to deposits | 87.1247% | 1,237 |
| Net loans and leases to core deposits | 97.5547% | 1,125 |
| Total domestic deposits to total assets | 90.6100% | 1,105 |
| Equity capital to assets | 8.1045% | 2,992 |
| Core capital (leverage) ratio | 8.8479% | 3,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3212% | 2,916 |
| Memoranda: | ||
| Average total assets | $402,564,200 | 2,023 |
| Average earning assets | $381,431,800 | 1,982 |
| Average equity | $33,191,600 | 2,191 |
| Average total loans | $306,332,000 | 1,699 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7823% | 1,809 |
| Cost of funding earning assets | 0.3383% | 1,792 |
| Net interest margin | 3.4439% | 1,828 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 2.0613% | 3,317 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.3353% | 1,255 |
| Return on assets (ROA) | 1.3436% | 1,205 |
| Pretax return on assets | 1.4054% | 1,699 |
| Return on Equity (ROE) | 16.2200% | 935 |
| Retained earnings to average equity (ytd only) | 8.5494% | 1,808 |
| Net charge-offs to loans | -0.0009% | 3,163 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.0958% | 3,370 |
| Assets per employee ($millions) | 8.7078% | 988 |
| Cash dividends to net income (ytd only)* | 47.3043% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0654% | 3,173 |
| Loan loss allowance to noncurrent loans | 490.0862% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.1738% | 2,417 |
| Noncurrent loans to loans | 0.2174% | 2,524 |
| Net loans and leases to total assets | 79.0800% | 611 |
| Net loans and leases to deposits | 86.7941% | 1,121 |
| Net loans and leases to core deposits | 95.4366% | 1,028 |
| Total domestic deposits to total assets | 91.1100% | 1,193 |
| Equity capital to assets | 7.9696% | 2,915 |
| Core capital (leverage) ratio | 9.0112% | 3,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3088% | 2,984 |
| Memoranda: | ||
| Average total assets | $399,411,250 | 2,042 |
| Average earning assets | $378,317,750 | 2,013 |
| Average equity | $33,077,500 | 2,227 |
| Average total loans | $300,044,750 | 1,712 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5497% | 1,996 |
| Cost of funding earning assets | 0.2713% | 2,010 |
| Net interest margin | 3.2784% | 1,973 |
| Noninterest income to average assets | 0.2992% | 3,368 |
| Noninterest expense to average assets | 2.0435% | 3,317 |
| Loan and lease loss provision to assets | 0.0902% | 1,097 |
| Net operating income to assets | 1.2041% | 1,411 |
| Return on assets (ROA) | 1.2165% | 1,365 |
| Pretax return on assets | 1.2796% | 1,812 |
| Return on Equity (ROE) | 14.5059% | 999 |
| Retained earnings to average equity (ytd only) | 7.9313% | 1,645 |
| Net charge-offs to loans | -0.0007% | 3,004 |
| Credit loss provision to net charge-offs | -18,000.0000% | 3,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0973% | 3,284 |
| Assets per employee ($millions) | 8.7912% | 961 |
| Cash dividends to net income (ytd only)* | 45.3234% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0890% | 3,202 |
| Loan loss allowance to noncurrent loans | 2,141.9355% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.0383% | 3,598 |
| Noncurrent loans to loans | 0.0508% | 3,567 |
| Net loans and leases to total assets | 74.5704% | 857 |
| Net loans and leases to deposits | 81.9071% | 1,249 |
| Net loans and leases to core deposits | 90.3169% | 1,103 |
| Total domestic deposits to total assets | 91.0427% | 1,215 |
| Equity capital to assets | 8.1507% | 3,007 |
| Core capital (leverage) ratio | 8.7690% | 3,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6759% | 2,889 |
| Memoranda: | ||
| Average total assets | $399,028,000 | 2,054 |
| Average earning assets | $377,441,000 | 2,032 |
| Average equity | $33,462,333 | 2,257 |
| Average total loans | $293,337,667 | 1,736 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3496% | 2,241 |
| Cost of funding earning assets | 0.2717% | 1,912 |
| Net interest margin | 3.0780% | 2,241 |
| Noninterest income to average assets | 0.3139% | 3,218 |
| Noninterest expense to average assets | 2.0729% | 3,245 |
| Loan and lease loss provision to assets | 0.0908% | 909 |
| Net operating income to assets | 1.0007% | 1,882 |
| Return on assets (ROA) | 1.0254% | 1,770 |
| Pretax return on assets | 1.0920% | 2,170 |
| Return on Equity (ROE) | 12.0547% | 1,296 |
| Retained earnings to average equity (ytd only) | 5.5290% | 2,402 |
| Net charge-offs to loans | -0.0014% | 3,052 |
| Credit loss provision to net charge-offs | -9,000.0000% | 3,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1875% | 3,002 |
| Assets per employee ($millions) | 8.6471% | 1,045 |
| Cash dividends to net income (ytd only)* | 54.1339% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 3,244 |
| Loan loss allowance to noncurrent loans | 10,766.6667% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 4,006 |
| Noncurrent loans to loans | 0.0104% | 3,942 |
| Net loans and leases to total assets | 71.7451% | 858 |
| Net loans and leases to deposits | 78.8191% | 1,223 |
| Net loans and leases to core deposits | 87.5613% | 1,048 |
| Total domestic deposits to total assets | 91.0251% | 1,023 |
| Equity capital to assets | 8.2679% | 3,349 |
| Core capital (leverage) ratio | 8.6116% | 3,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0059% | 2,891 |
| Memoranda: | ||
| Average total assets | $396,344,500 | 2,067 |
| Average earning assets | $375,442,500 | 2,048 |
| Average equity | $33,713,000 | 2,296 |
| Average total loans | $287,567,000 | 1,749 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7590% | 1,965 |
| Cost of funding earning assets | 0.3673% | 1,786 |
| Net interest margin | 3.3917% | 2,056 |
| Noninterest income to average assets | 0.4845% | 2,653 |
| Noninterest expense to average assets | 2.1993% | 3,090 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3991% | 1,279 |
| Return on assets (ROA) | 1.4902% | 1,095 |
| Pretax return on assets | 1.5700% | 1,507 |
| Return on Equity (ROE) | 17.0837% | 575 |
| Retained earnings to average equity (ytd only) | 5.9446% | 2,386 |
| Net charge-offs to loans | 0.0043% | 2,447 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 487.3636% | 282 |
| Efficiency ratio | 59.8728% | 3,170 |
| Assets per employee ($millions) | 8.4026% | 1,119 |
| Cash dividends to net income (ytd only)* | 65.2030% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0955% | 3,375 |
| Loan loss allowance to noncurrent loans | 10,463.3333% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 4,084 |
| Noncurrent loans to loans | 0.0105% | 4,018 |
| Net loans and leases to total assets | 71.7576% | 859 |
| Net loans and leases to deposits | 79.6184% | 1,247 |
| Net loans and leases to core deposits | 88.8765% | 1,024 |
| Total domestic deposits to total assets | 90.1270% | 899 |
| Equity capital to assets | 8.7457% | 3,845 |
| Core capital (leverage) ratio | 8.9598% | 3,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9164% | 2,907 |
| Memoranda: | ||
| Average total assets | $363,702,000 | 2,133 |
| Average earning assets | $341,956,800 | 2,118 |
| Average equity | $31,726,200 | 2,434 |
| Average total loans | $253,981,600 | 1,907 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8068% | 2,003 |
| Cost of funding earning assets | 0.3951% | 1,729 |
| Net interest margin | 3.4116% | 2,123 |
| Noninterest income to average assets | 0.5668% | 2,350 |
| Noninterest expense to average assets | 2.1908% | 3,097 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4946% | 1,284 |
| Return on assets (ROA) | 1.6188% | 1,033 |
| Pretax return on assets | 1.7027% | 1,394 |
| Return on Equity (ROE) | 18.5707% | 561 |
| Retained earnings to average equity (ytd only) | 9.0167% | 1,683 |
| Net charge-offs to loans | 0.0060% | 2,101 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 381.4545% | 368 |
| Efficiency ratio | 58.2238% | 3,233 |
| Assets per employee ($millions) | 7.8131% | 1,370 |
| Cash dividends to net income (ytd only)* | 51.4464% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2223% | 2,884 |
| Loan loss allowance to noncurrent loans | 10,463.3333% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 4,194 |
| Noncurrent loans to loans | 0.0117% | 4,119 |
| Net loans and leases to total assets | 69.0792% | 1,184 |
| Net loans and leases to deposits | 76.7042% | 1,598 |
| Net loans and leases to core deposits | 85.7819% | 1,310 |
| Total domestic deposits to total assets | 90.0593% | 752 |
| Equity capital to assets | 8.6050% | 4,129 |
| Core capital (leverage) ratio | 8.4228% | 4,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8255% | 3,000 |
| Memoranda: | ||
| Average total assets | $355,896,500 | 2,186 |
| Average earning assets | $333,399,250 | 2,190 |
| Average equity | $31,023,000 | 2,496 |
| Average total loans | $245,845,250 | 1,985 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7719% | 2,142 |
| Cost of funding earning assets | 0.4249% | 1,698 |
| Net interest margin | 3.3470% | 2,307 |
| Noninterest income to average assets | 0.6532% | 1,995 |
| Noninterest expense to average assets | 2.1788% | 3,159 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5355% | 1,201 |
| Return on assets (ROA) | 1.7238% | 887 |
| Pretax return on assets | 1.8136% | 1,202 |
| Return on Equity (ROE) | 19.6880% | 481 |
| Retained earnings to average equity (ytd only) | 10.4051% | 1,284 |
| Net charge-offs to loans | 0.0091% | 1,800 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 258.5455% | 425 |
| Efficiency ratio | 57.4251% | 3,350 |
| Assets per employee ($millions) | 7.7280% | 1,345 |
| Cash dividends to net income (ytd only)* | 47.1499% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3005% | 2,434 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 67.0159% | 1,579 |
| Net loans and leases to deposits | 74.7022% | 1,935 |
| Net loans and leases to core deposits | 83.3084% | 1,617 |
| Total domestic deposits to total assets | 89.7107% | 920 |
| Equity capital to assets | 8.7804% | 3,991 |
| Core capital (leverage) ratio | 8.4787% | 3,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4333% | 2,876 |
| Memoranda: | ||
| Average total assets | $352,123,333 | 2,195 |
| Average earning assets | $330,443,000 | 2,189 |
| Average equity | $30,831,000 | 2,495 |
| Average total loans | $242,190,667 | 2,016 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8056% | 2,089 |
| Cost of funding earning assets | 0.4707% | 1,590 |
| Net interest margin | 3.3349% | 2,284 |
| Noninterest income to average assets | 0.8618% | 1,427 |
| Noninterest expense to average assets | 2.2315% | 3,006 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6841% | 969 |
| Return on assets (ROA) | 2.0625% | 561 |
| Pretax return on assets | 2.1664% | 726 |
| Return on Equity (ROE) | 23.5901% | 314 |
| Retained earnings to average equity (ytd only) | 15.2480% | 600 |
| Net charge-offs to loans | 0.0181% | 1,381 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 140.8182% | 505 |
| Efficiency ratio | 55.7934% | 3,568 |
| Assets per employee ($millions) | 7.7687% | 1,298 |
| Cash dividends to net income (ytd only)* | 35.3625% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2922% | 2,476 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 67.0986% | 1,648 |
| Net loans and leases to deposits | 74.8774% | 2,034 |
| Net loans and leases to core deposits | 83.3697% | 1,727 |
| Total domestic deposits to total assets | 89.6113% | 1,013 |
| Equity capital to assets | 8.6359% | 4,014 |
| Core capital (leverage) ratio | 8.5084% | 4,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5002% | 2,816 |
| Memoranda: | ||
| Average total assets | $350,442,000 | 2,186 |
| Average earning assets | $329,727,000 | 2,175 |
| Average equity | $30,640,000 | 2,499 |
| Average total loans | $242,600,500 | 2,009 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2129% | 2,098 |
| Cost of funding earning assets | 0.7585% | 1,405 |
| Net interest margin | 3.4544% | 2,620 |
| Noninterest income to average assets | 1.1890% | 784 |
| Noninterest expense to average assets | 2.6180% | 2,490 |
| Loan and lease loss provision to assets | 0.2413% | 1,615 |
| Net operating income to assets | 1.4993% | 813 |
| Return on assets (ROA) | 1.5707% | 742 |
| Pretax return on assets | 1.6567% | 938 |
| Return on Equity (ROE) | 18.1202% | 327 |
| Retained earnings to average equity (ytd only) | 11.9386% | 320 |
| Net charge-offs to loans | 0.0009% | 3,399 |
| Credit loss provision to net charge-offs | 39,000.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 2,946.0000% | 31 |
| Efficiency ratio | 58.9522% | 3,596 |
| Assets per employee ($millions) | 7.4679% | 1,302 |
| Cash dividends to net income (ytd only)* | 34.1146% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3002% | 2,409 |
| Loan loss allowance to noncurrent loans | 16,578.9474% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 4,426 |
| Noncurrent loans to loans | 0.0078% | 4,354 |
| Net loans and leases to total assets | 69.6104% | 1,609 |
| Net loans and leases to deposits | 77.6824% | 2,105 |
| Net loans and leases to core deposits | 87.5087% | 1,745 |
| Total domestic deposits to total assets | 89.6089% | 724 |
| Equity capital to assets | 8.8550% | 4,180 |
| Core capital (leverage) ratio | 8.4693% | 4,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3366% | 2,834 |
| Memoranda: | ||
| Average total assets | $323,226,200 | 2,170 |
| Average earning assets | $304,282,800 | 2,153 |
| Average equity | $28,018,400 | 2,598 |
| Average total loans | $232,351,000 | 2,018 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2824% | 2,156 |
| Cost of funding earning assets | 0.8192% | 1,402 |
| Net interest margin | 3.4632% | 2,709 |
| Noninterest income to average assets | 1.0904% | 870 |
| Noninterest expense to average assets | 2.5522% | 2,685 |
| Loan and lease loss provision to assets | 0.1927% | 2,053 |
| Net operating income to assets | 1.5175% | 872 |
| Return on assets (ROA) | 1.6063% | 785 |
| Pretax return on assets | 1.6918% | 980 |
| Return on Equity (ROE) | 18.6392% | 316 |
| Retained earnings to average equity (ytd only) | 12.3224% | 391 |
| Net charge-offs to loans | 0.0012% | 3,188 |
| Credit loss provision to net charge-offs | 23,000.0000% | 58 |
| Earnings coverage of net charge-offs (x) | 2,137.0000% | 48 |
| Efficiency ratio | 58.7611% | 3,562 |
| Assets per employee ($millions) | 7.3426% | 1,304 |
| Cash dividends to net income (ytd only)* | 33.8899% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1702% | 2,837 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 72.3374% | 1,614 |
| Net loans and leases to deposits | 81.2700% | 2,172 |
| Net loans and leases to core deposits | 93.8631% | 1,651 |
| Total domestic deposits to total assets | 89.0087% | 765 |
| Equity capital to assets | 8.9805% | 4,135 |
| Core capital (leverage) ratio | 8.4655% | 4,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2033% | 2,868 |
| Memoranda: | ||
| Average total assets | $318,151,500 | 2,180 |
| Average earning assets | $298,829,750 | 2,163 |
| Average equity | $27,418,250 | 2,631 |
| Average total loans | $229,869,000 | 2,033 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4040% | 2,199 |
| Cost of funding earning assets | 0.8777% | 1,468 |
| Net interest margin | 3.5263% | 2,708 |
| Noninterest income to average assets | 0.8037% | 1,427 |
| Noninterest expense to average assets | 2.4447% | 3,125 |
| Loan and lease loss provision to assets | 0.2165% | 1,925 |
| Net operating income to assets | 1.3750% | 1,162 |
| Return on assets (ROA) | 1.4621% | 1,081 |
| Pretax return on assets | 1.5398% | 1,368 |
| Return on Equity (ROE) | 17.2200% | 426 |
| Retained earnings to average equity (ytd only) | 10.7250% | 650 |
| Net charge-offs to loans | 0.0027% | 2,904 |
| Credit loss provision to net charge-offs | 11,333.3333% | 106 |
| Earnings coverage of net charge-offs (x) | 871.3333% | 107 |
| Efficiency ratio | 59.4917% | 3,486 |
| Assets per employee ($millions) | 7.3724% | 1,236 |
| Cash dividends to net income (ytd only)* | 37.7178% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1016% | 3,051 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 73.3075% | 1,507 |
| Net loans and leases to deposits | 84.1913% | 1,980 |
| Net loans and leases to core deposits | 98.4102% | 1,380 |
| Total domestic deposits to total assets | 87.0726% | 1,586 |
| Equity capital to assets | 8.6225% | 4,410 |
| Core capital (leverage) ratio | 8.2667% | 4,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6651% | 3,052 |
| Memoranda: | ||
| Average total assets | $314,063,000 | 2,180 |
| Average earning assets | $294,417,000 | 2,160 |
| Average equity | $26,666,667 | 2,675 |
| Average total loans | $225,877,000 | 2,044 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4655% | 2,409 |
| Cost of funding earning assets | 0.9480% | 1,651 |
| Net interest margin | 3.5175% | 2,921 |
| Noninterest income to average assets | 0.4430% | 2,830 |
| Noninterest expense to average assets | 2.3839% | 3,567 |
| Loan and lease loss provision to assets | 0.0786% | 2,733 |
| Net operating income to assets | 1.2091% | 1,486 |
| Return on assets (ROA) | 1.2974% | 1,345 |
| Pretax return on assets | 1.3656% | 1,667 |
| Return on Equity (ROE) | 15.4104% | 502 |
| Retained earnings to average equity (ytd only) | 8.6703% | 1,062 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8246% | 3,259 |
| Assets per employee ($millions) | 6.5012% | 1,342 |
| Cash dividends to net income (ytd only)* | 43.7374% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0821% | 3,300 |
| Loan loss allowance to noncurrent loans | 1,147.1698% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.0694% | 4,258 |
| Noncurrent loans to loans | 0.0943% | 4,130 |
| Net loans and leases to total assets | 72.7608% | 1,811 |
| Net loans and leases to deposits | 81.6300% | 2,502 |
| Net loans and leases to core deposits | 96.1426% | 1,778 |
| Total domestic deposits to total assets | 89.1349% | 610 |
| Equity capital to assets | 8.9260% | 4,641 |
| Core capital (leverage) ratio | 8.4978% | 4,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1951% | 3,296 |
| Memoranda: | ||
| Average total assets | $305,214,500 | 2,175 |
| Average earning assets | $285,657,000 | 2,163 |
| Average equity | $25,697,000 | 2,731 |
| Average total loans | $215,858,500 | 2,075 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4683% | 3,048 |
| Cost of funding earning assets | 0.9691% | 1,864 |
| Net interest margin | 3.4992% | 3,450 |
| Noninterest income to average assets | 0.4073% | 3,253 |
| Noninterest expense to average assets | 2.3924% | 3,706 |
| Loan and lease loss provision to assets | 0.0415% | 3,186 |
| Net operating income to assets | 1.1866% | 2,106 |
| Return on assets (ROA) | 1.2263% | 2,051 |
| Pretax return on assets | 1.2862% | 2,552 |
| Return on Equity (ROE) | 15.7273% | 574 |
| Retained earnings to average equity (ytd only) | 8.0589% | 958 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0423% | 2,928 |
| Assets per employee ($millions) | 6.3515% | 1,385 |
| Cash dividends to net income (ytd only)* | 48.7585% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 2,718 |
| Loan loss allowance to noncurrent loans | 13,177.7778% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 4,649 |
| Noncurrent loans to loans | 0.0087% | 4,556 |
| Net loans and leases to total assets | 67.1060% | 2,812 |
| Net loans and leases to deposits | 73.6095% | 3,387 |
| Net loans and leases to core deposits | 87.4958% | 2,654 |
| Total domestic deposits to total assets | 91.1648% | 98 |
| Equity capital to assets | 7.9115% | 5,068 |
| Core capital (leverage) ratio | 7.8638% | 5,064 |
| Tier 1 risk-based capital ratio | 10.0058% | 5,121 |
| Total risk-based capital ratio | 11.0279% | 5,117 |
| Memoranda: | ||
| Average total assets | $288,993,200 | 2,228 |
| Average earning assets | $270,146,400 | 2,206 |
| Average equity | $22,534,000 | 2,913 |
| Average total loans | $198,938,800 | 2,174 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5045% | 3,052 |
| Cost of funding earning assets | 0.9665% | 1,901 |
| Net interest margin | 3.5379% | 3,445 |
| Noninterest income to average assets | 0.4014% | 3,308 |
| Noninterest expense to average assets | 2.3628% | 3,789 |
| Loan and lease loss provision to assets | 0.0421% | 3,057 |
| Net operating income to assets | 1.2406% | 2,048 |
| Return on assets (ROA) | 1.2406% | 2,129 |
| Pretax return on assets | 1.3047% | 2,656 |
| Return on Equity (ROE) | 15.9725% | 608 |
| Retained earnings to average equity (ytd only) | 6.7817% | 1,963 |
| Net charge-offs to loans | 0.0027% | 3,331 |
| Credit loss provision to net charge-offs | 2,250.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 720.1820% | 133 |
| Efficiency ratio | 63.6948% | 3,063 |
| Assets per employee ($millions) | 5.9375% | 1,647 |
| Cash dividends to net income (ytd only)* | 57.5416% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 2,641 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 69.0022% | 2,626 |
| Net loans and leases to deposits | 75.9661% | 3,295 |
| Net loans and leases to core deposits | 89.0623% | 2,630 |
| Total domestic deposits to total assets | 90.8329% | 120 |
| Equity capital to assets | 8.1878% | 5,094 |
| Core capital (leverage) ratio | 7.8612% | 5,144 |
| Tier 1 risk-based capital ratio | 10.0160% | 5,188 |
| Total risk-based capital ratio | 11.0553% | 5,184 |
| Memoranda: | ||
| Average total assets | $285,023,250 | 2,262 |
| Average earning assets | $266,514,750 | 2,249 |
| Average equity | $22,137,500 | 2,973 |
| Average total loans | $196,933,500 | 2,206 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4671% | 3,118 |
| Cost of funding earning assets | 0.9358% | 1,979 |
| Net interest margin | 3.5313% | 3,498 |
| Noninterest income to average assets | 0.3740% | 3,441 |
| Noninterest expense to average assets | 2.2812% | 4,051 |
| Loan and lease loss provision to assets | 0.0421% | 2,976 |
| Net operating income to assets | 1.2939% | 1,799 |
| Return on assets (ROA) | 1.2939% | 1,857 |
| Pretax return on assets | 1.3606% | 2,343 |
| Return on Equity (ROE) | 16.9654% | 467 |
| Retained earnings to average equity (ytd only) | 6.5138% | 2,045 |
| Net charge-offs to loans | 0.0020% | 3,105 |
| Credit loss provision to net charge-offs | 3,000.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 999.5000% | 69 |
| Efficiency ratio | 61.9238% | 3,447 |
| Assets per employee ($millions) | 6.3936% | 1,288 |
| Cash dividends to net income (ytd only)* | 61.6052% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 2,737 |
| Loan loss allowance to noncurrent loans | 609.4987% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.1317% | 4,096 |
| Noncurrent loans to loans | 0.1904% | 3,871 |
| Net loans and leases to total assets | 68.3743% | 2,770 |
| Net loans and leases to deposits | 75.6762% | 3,363 |
| Net loans and leases to core deposits | 89.9942% | 2,604 |
| Total domestic deposits to total assets | 90.3511% | 225 |
| Equity capital to assets | 7.9308% | 5,189 |
| Core capital (leverage) ratio | 7.8086% | 5,201 |
| Tier 1 risk-based capital ratio | 9.8476% | 5,246 |
| Total risk-based capital ratio | 10.8762% | 5,245 |
| Memoranda: | ||
| Average total assets | $285,031,670 | 2,263 |
| Average earning assets | $267,155,000 | 2,249 |
| Average equity | $21,738,330 | 3,000 |
| Average total loans | $196,247,000 | 2,220 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3718% | 3,332 |
| Cost of funding earning assets | 0.8885% | 2,057 |
| Net interest margin | 3.4833% | 3,642 |
| Noninterest income to average assets | 0.3257% | 3,679 |
| Noninterest expense to average assets | 2.2701% | 4,101 |
| Loan and lease loss provision to assets | 0.0423% | 2,790 |
| Net operating income to assets | 1.2281% | 1,959 |
| Return on assets (ROA) | 1.2281% | 2,006 |
| Pretax return on assets | 1.2859% | 2,508 |
| Return on Equity (ROE) | 16.4351% | 540 |
| Retained earnings to average equity (ytd only) | 8.7176% | 1,413 |
| Net charge-offs to loans | 0.0041% | 2,570 |
| Credit loss provision to net charge-offs | 1,500.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 471.0000% | 164 |
| Efficiency ratio | 63.0878% | 3,372 |
| Assets per employee ($millions) | 6.3702% | 1,303 |
| Cash dividends to net income (ytd only)* | 46.9575% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1572% | 2,806 |
| Loan loss allowance to noncurrent loans | 320.2247% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.2484% | 3,622 |
| Noncurrent loans to loans | 0.3614% | 3,284 |
| Net loans and leases to total assets | 67.9398% | 2,763 |
| Net loans and leases to deposits | 74.2645% | 3,431 |
| Net loans and leases to core deposits | 89.5676% | 2,545 |
| Total domestic deposits to total assets | 91.4836% | 102 |
| Equity capital to assets | 7.6052% | 5,248 |
| Core capital (leverage) ratio | 7.7532% | 5,249 |
| Tier 1 risk-based capital ratio | 9.9626% | 5,293 |
| Total risk-based capital ratio | 11.0014% | 5,288 |
| Memoranda: | ||
| Average total assets | $283,691,500 | 2,290 |
| Average earning assets | $266,526,000 | 2,264 |
| Average equity | $21,198,500 | 3,056 |
| Average total loans | $194,855,000 | 2,250 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1733% | 3,516 |
| Cost of funding earning assets | 0.7219% | 1,943 |
| Net interest margin | 3.4514% | 3,854 |
| Noninterest income to average assets | 0.3842% | 3,533 |
| Noninterest expense to average assets | 2.2887% | 4,152 |
| Loan and lease loss provision to assets | 0.0334% | 3,525 |
| Net operating income to assets | 1.2346% | 2,030 |
| Return on assets (ROA) | 1.1993% | 2,170 |
| Pretax return on assets | 1.2614% | 2,644 |
| Return on Equity (ROE) | 16.4089% | 550 |
| Retained earnings to average equity (ytd only) | 9.1093% | 822 |
| Net charge-offs to loans | 0.0054% | 3,516 |
| Credit loss provision to net charge-offs | 900.0000% | 398 |
| Earnings coverage of net charge-offs (x) | 358.5000% | 288 |
| Efficiency ratio | 63.2119% | 3,301 |
| Assets per employee ($millions) | 6.2383% | 1,367 |
| Cash dividends to net income (ytd only)* | 44.4857% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1688% | 2,730 |
| Loan loss allowance to noncurrent loans | 2,680.9524% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0299% | 4,709 |
| Noncurrent loans to loans | 0.0436% | 4,558 |
| Net loans and leases to total assets | 67.8326% | 2,900 |
| Net loans and leases to deposits | 74.1569% | 3,491 |
| Net loans and leases to core deposits | 87.5762% | 2,784 |
| Total domestic deposits to total assets | 91.4717% | 123 |
| Equity capital to assets | 7.3367% | 5,295 |
| Core capital (leverage) ratio | 7.7087% | 5,294 |
| Tier 1 risk-based capital ratio | 10.0005% | 5,305 |
| Total risk-based capital ratio | 11.0527% | 5,306 |
| Memoranda: | ||
| Average total assets | $269,151,200 | 2,342 |
| Average earning assets | $252,390,200 | 2,321 |
| Average equity | $19,672,200 | 3,112 |
| Average total loans | $186,108,000 | 2,287 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0987% | 3,633 |
| Cost of funding earning assets | 0.6755% | 1,997 |
| Net interest margin | 3.4232% | 3,935 |
| Noninterest income to average assets | 0.3856% | 3,566 |
| Noninterest expense to average assets | 2.2494% | 4,220 |
| Loan and lease loss provision to assets | 0.0340% | 3,336 |
| Net operating income to assets | 1.2468% | 2,057 |
| Return on assets (ROA) | 1.2173% | 2,167 |
| Pretax return on assets | 1.2814% | 2,691 |
| Return on Equity (ROE) | 16.6720% | 588 |
| Retained earnings to average equity (ytd only) | 10.1705% | 874 |
| Net charge-offs to loans | 0.0072% | 3,166 |
| Credit loss provision to net charge-offs | 680.0000% | 538 |
| Earnings coverage of net charge-offs (x) | 268.9602% | 347 |
| Efficiency ratio | 62.5540% | 3,418 |
| Assets per employee ($millions) | 5.9519% | 1,524 |
| Cash dividends to net income (ytd only)* | 38.9964% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 2,654 |
| Loan loss allowance to noncurrent loans | 825.9259% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.1008% | 4,470 |
| Noncurrent loans to loans | 0.1446% | 4,242 |
| Net loans and leases to total assets | 68.8806% | 2,810 |
| Net loans and leases to deposits | 75.3805% | 3,468 |
| Net loans and leases to core deposits | 89.6538% | 2,688 |
| Total domestic deposits to total assets | 91.3772% | 152 |
| Equity capital to assets | 7.3911% | 5,328 |
| Core capital (leverage) ratio | 7.8942% | 5,340 |
| Tier 1 risk-based capital ratio | 10.2128% | 5,328 |
| Total risk-based capital ratio | 11.2923% | 5,318 |
| Memoranda: | ||
| Average total assets | $266,257,750 | 2,374 |
| Average earning assets | $249,699,500 | 2,355 |
| Average equity | $19,441,250 | 3,159 |
| Average total loans | $184,466,250 | 2,311 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0255% | 3,709 |
| Cost of funding earning assets | 0.6335% | 2,026 |
| Net interest margin | 3.3921% | 3,978 |
| Noninterest income to average assets | 0.3793% | 3,625 |
| Noninterest expense to average assets | 2.2594% | 4,238 |
| Loan and lease loss provision to assets | 0.0339% | 3,238 |
| Net operating income to assets | 1.2028% | 2,187 |
| Return on assets (ROA) | 1.1899% | 2,239 |
| Pretax return on assets | 1.2524% | 2,719 |
| Return on Equity (ROE) | 16.3639% | 605 |
| Retained earnings to average equity (ytd only) | 10.8886% | 691 |
| Net charge-offs to loans | 0.0054% | 2,964 |
| Credit loss provision to net charge-offs | 900.0000% | 448 |
| Earnings coverage of net charge-offs (x) | 345.4000% | 263 |
| Efficiency ratio | 63.4807% | 3,388 |
| Assets per employee ($millions) | 5.9140% | 1,534 |
| Cash dividends to net income (ytd only)* | 33.4598% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 2,742 |
| Loan loss allowance to noncurrent loans | 819.2593% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.1015% | 4,489 |
| Noncurrent loans to loans | 0.1460% | 4,245 |
| Net loans and leases to total assets | 68.6384% | 2,770 |
| Net loans and leases to deposits | 75.3607% | 3,406 |
| Net loans and leases to core deposits | 85.8841% | 2,931 |
| Total domestic deposits to total assets | 91.0799% | 232 |
| Equity capital to assets | 7.3653% | 5,405 |
| Core capital (leverage) ratio | 7.7734% | 5,403 |
| Tier 1 risk-based capital ratio | 10.1108% | 5,400 |
| Total risk-based capital ratio | 11.1930% | 5,391 |
| Memoranda: | ||
| Average total assets | $265,731,670 | 2,379 |
| Average earning assets | $249,111,670 | 2,369 |
| Average equity | $19,323,000 | 3,192 |
| Average total loans | $183,716,000 | 2,317 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9271% | 3,857 |
| Cost of funding earning assets | 0.6063% | 2,017 |
| Net interest margin | 3.3208% | 4,131 |
| Noninterest income to average assets | 0.3736% | 3,641 |
| Noninterest expense to average assets | 2.2144% | 4,382 |
| Loan and lease loss provision to assets | 0.0346% | 3,044 |
| Net operating income to assets | 1.1799% | 2,095 |
| Return on assets (ROA) | 1.1539% | 2,212 |
| Pretax return on assets | 1.2081% | 2,718 |
| Return on Equity (ROE) | 15.9716% | 624 |
| Retained earnings to average equity (ytd only) | 12.3019% | 629 |
| Net charge-offs to loans | 0.0022% | 2,660 |
| Credit loss provision to net charge-offs | 2,300.0000% | 159 |
| Earnings coverage of net charge-offs (x) | 843.0000% | 79 |
| Efficiency ratio | 63.5538% | 3,550 |
| Assets per employee ($millions) | 5.9062% | 1,593 |
| Cash dividends to net income (ytd only)* | 22.9765% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2025% | 2,793 |
| Loan loss allowance to noncurrent loans | 404.0516% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.2408% | 3,909 |
| Noncurrent loans to loans | 0.2976% | 3,699 |
| Net loans and leases to total assets | 67.8257% | 2,789 |
| Net loans and leases to deposits | 74.3514% | 3,380 |
| Net loans and leases to core deposits | 85.9588% | 2,807 |
| Total domestic deposits to total assets | 91.2231% | 251 |
| Equity capital to assets | 7.2335% | 5,482 |
| Core capital (leverage) ratio | 7.6412% | 5,480 |
| Tier 1 risk-based capital ratio | 9.5296% | 5,556 |
| Total risk-based capital ratio | 10.5644% | 5,560 |
| Memoranda: | ||
| Average total assets | $265,533,500 | 2,396 |
| Average earning assets | $248,736,000 | 2,391 |
| Average equity | $19,184,000 | 3,232 |
| Average total loans | $183,135,000 | 2,340 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8261% | 3,962 |
| Cost of funding earning assets | 0.5383% | 2,048 |
| Net interest margin | 3.2877% | 4,193 |
| Noninterest income to average assets | 0.3360% | 4,064 |
| Noninterest expense to average assets | 2.4525% | 3,931 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8992% | 2,713 |
| Return on assets (ROA) | 0.8956% | 2,765 |
| Pretax return on assets | 0.9514% | 3,730 |
| Return on Equity (ROE) | 12.0335% | 1,205 |
| Retained earnings to average equity (ytd only) | 3.5340% | 3,159 |
| Net charge-offs to loans | -0.0098% | 4,785 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9684% | 2,233 |
| Assets per employee ($millions) | 5.7672% | 1,690 |
| Cash dividends to net income (ytd only)* | 70.6318% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1816% | 2,888 |
| Loan loss allowance to noncurrent loans | 108,600.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 4,856 |
| Noncurrent loans to loans | 0.0011% | 5,072 |
| Net loans and leases to total assets | 68.4681% | 2,758 |
| Net loans and leases to deposits | 75.3780% | 3,398 |
| Net loans and leases to core deposits | 88.1075% | 2,707 |
| Total domestic deposits to total assets | 90.8331% | 284 |
| Equity capital to assets | 7.2159% | 5,569 |
| Core capital (leverage) ratio | 7.5028% | 5,562 |
| Tier 1 risk-based capital ratio | 9.7696% | 5,571 |
| Total risk-based capital ratio | 10.8515% | 5,573 |
| Memoranda: | ||
| Average total assets | $256,264,400 | 2,446 |
| Average earning assets | $239,435,800 | 2,426 |
| Average equity | $19,071,800 | 3,237 |
| Average total loans | $173,905,800 | 2,391 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7954% | 4,026 |
| Cost of funding earning assets | 0.5181% | 2,126 |
| Net interest margin | 3.2773% | 4,237 |
| Noninterest income to average assets | 0.3391% | 4,113 |
| Noninterest expense to average assets | 2.2734% | 4,367 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0732% | 2,215 |
| Return on assets (ROA) | 1.0682% | 2,285 |
| Pretax return on assets | 1.1254% | 3,207 |
| Return on Equity (ROE) | 14.2399% | 781 |
| Retained earnings to average equity (ytd only) | 5.2761% | 2,705 |
| Net charge-offs to loans | -0.0124% | 4,697 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7849% | 3,084 |
| Assets per employee ($millions) | 5.6115% | 1,816 |
| Cash dividends to net income (ytd only)* | 62.9484% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 2,825 |
| Loan loss allowance to noncurrent loans | 108,550.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0586% | 4,942 |
| Noncurrent loans to loans | 0.0011% | 5,164 |
| Net loans and leases to total assets | 69.7779% | 2,596 |
| Net loans and leases to deposits | 78.7494% | 3,092 |
| Net loans and leases to core deposits | 90.9655% | 2,533 |
| Total domestic deposits to total assets | 88.6075% | 1,066 |
| Equity capital to assets | 7.7690% | 5,582 |
| Core capital (leverage) ratio | 7.7312% | 5,587 |
| Tier 1 risk-based capital ratio | 10.1924% | 5,552 |
| Total risk-based capital ratio | 11.3161% | 5,541 |
| Memoranda: | ||
| Average total assets | $254,008,000 | 2,486 |
| Average earning assets | $237,545,750 | 2,463 |
| Average equity | $19,054,000 | 3,265 |
| Average total loans | $171,429,500 | 2,421 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7413% | 4,099 |
| Cost of funding earning assets | 0.4996% | 2,164 |
| Net interest margin | 3.2417% | 4,291 |
| Noninterest income to average assets | 0.3230% | 4,243 |
| Noninterest expense to average assets | 2.2860% | 4,384 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0129% | 2,365 |
| Return on assets (ROA) | 1.0129% | 2,405 |
| Pretax return on assets | 1.0656% | 3,316 |
| Return on Equity (ROE) | 13.6648% | 879 |
| Retained earnings to average equity (ytd only) | 5.2793% | 2,528 |
| Net charge-offs to loans | -0.0248% | 4,863 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2063% | 2,972 |
| Assets per employee ($millions) | 5.8339% | 1,589 |
| Cash dividends to net income (ytd only)* | 61.3654% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2611% | 2,617 |
| Loan loss allowance to noncurrent loans | 72,533.3333% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0580% | 4,975 |
| Noncurrent loans to loans | 0.0017% | 5,206 |
| Net loans and leases to total assets | 66.3714% | 3,050 |
| Net loans and leases to deposits | 73.2255% | 3,625 |
| Net loans and leases to core deposits | 84.2211% | 3,041 |
| Total domestic deposits to total assets | 90.6398% | 314 |
| Equity capital to assets | 7.5756% | 5,644 |
| Core capital (leverage) ratio | 7.7020% | 5,610 |
| Tier 1 risk-based capital ratio | 10.2522% | 5,558 |
| Total risk-based capital ratio | 11.3999% | 5,534 |
| Memoranda: | ||
| Average total assets | $254,505,000 | 2,486 |
| Average earning assets | $237,776,000 | 2,470 |
| Average equity | $18,866,000 | 3,293 |
| Average total loans | $169,115,330 | 2,451 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6479% | 4,286 |
| Cost of funding earning assets | 0.4878% | 2,184 |
| Net interest margin | 3.1600% | 4,470 |
| Noninterest income to average assets | 0.3078% | 4,356 |
| Noninterest expense to average assets | 2.4545% | 3,949 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7671% | 3,386 |
| Return on assets (ROA) | 0.7671% | 3,439 |
| Pretax return on assets | 0.8082% | 4,081 |
| Return on Equity (ROE) | 10.4651% | 1,752 |
| Retained earnings to average equity (ytd only) | 2.9070% | 3,964 |
| Net charge-offs to loans | -0.0143% | 4,569 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2298% | 2,033 |
| Assets per employee ($millions) | 6.0014% | 1,508 |
| Cash dividends to net income (ytd only)* | 72.2222% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2633% | 2,737 |
| Loan loss allowance to noncurrent loans | 3,430.1587% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0810% | 4,949 |
| Noncurrent loans to loans | 0.0368% | 5,053 |
| Net loans and leases to total assets | 65.4489% | 3,054 |
| Net loans and leases to deposits | 71.8599% | 3,618 |
| Net loans and leases to core deposits | 81.1343% | 3,182 |
| Total domestic deposits to total assets | 91.0785% | 281 |
| Equity capital to assets | 7.2688% | 5,722 |
| Core capital (leverage) ratio | 7.7218% | 5,655 |
| Tier 1 risk-based capital ratio | 10.1545% | 5,666 |
| Total risk-based capital ratio | 11.3050% | 5,644 |
| Memoranda: | ||
| Average total assets | $253,411,500 | 2,517 |
| Average earning assets | $236,958,500 | 2,493 |
| Average equity | $18,576,000 | 3,339 |
| Average total loans | $167,400,000 | 2,481 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6346% | 4,422 |
| Cost of funding earning assets | 0.4612% | 2,436 |
| Net interest margin | 3.1734% | 4,526 |
| Noninterest income to average assets | 0.4187% | 3,745 |
| Noninterest expense to average assets | 2.2831% | 4,592 |
| Loan and lease loss provision to assets | 0.0519% | 3,348 |
| Net operating income to assets | 1.0144% | 2,288 |
| Return on assets (ROA) | 1.0144% | 2,391 |
| Pretax return on assets | 1.0680% | 3,228 |
| Return on Equity (ROE) | 13.1293% | 965 |
| Retained earnings to average equity (ytd only) | 4.2850% | 2,856 |
| Net charge-offs to loans | -0.0120% | 4,988 |
| Credit loss provision to net charge-offs | -657.8947% | 5,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0898% | 3,422 |
| Assets per employee ($millions) | 5.7852% | 1,634 |
| Cash dividends to net income (ytd only)* | 67.3628% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 2,456 |
| Loan loss allowance to noncurrent loans | 3,532.7869% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0904% | 4,974 |
| Noncurrent loans to loans | 0.0373% | 5,108 |
| Net loans and leases to total assets | 64.9561% | 3,226 |
| Net loans and leases to deposits | 71.8799% | 3,721 |
| Net loans and leases to core deposits | 81.0130% | 3,309 |
| Total domestic deposits to total assets | 90.3675% | 488 |
| Equity capital to assets | 7.3942% | 5,737 |
| Core capital (leverage) ratio | 7.7659% | 5,693 |
| Tier 1 risk-based capital ratio | 10.4270% | 5,602 |
| Total risk-based capital ratio | 11.6134% | 5,572 |
| Memoranda: | ||
| Average total assets | $240,723,400 | 2,570 |
| Average earning assets | $226,381,600 | 2,541 |
| Average equity | $18,599,600 | 3,328 |
| Average total loans | $157,786,000 | 2,543 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6150% | 4,506 |
| Cost of funding earning assets | 0.4474% | 2,577 |
| Net interest margin | 3.1676% | 4,583 |
| Noninterest income to average assets | 0.3994% | 3,926 |
| Noninterest expense to average assets | 2.2771% | 4,590 |
| Loan and lease loss provision to assets | 0.0698% | 2,819 |
| Net operating income to assets | 0.9847% | 2,499 |
| Return on assets (ROA) | 0.9847% | 2,637 |
| Pretax return on assets | 1.0383% | 3,481 |
| Return on Equity (ROE) | 12.6031% | 1,149 |
| Retained earnings to average equity (ytd only) | 4.0819% | 3,398 |
| Net charge-offs to loans | 0.0282% | 3,101 |
| Credit loss provision to net charge-offs | 378.7879% | 879 |
| Earnings coverage of net charge-offs (x) | 60.1198% | 956 |
| Efficiency ratio | 67.2661% | 3,370 |
| Assets per employee ($millions) | 5.6262% | 1,737 |
| Cash dividends to net income (ytd only)* | 67.6118% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2871% | 2,757 |
| Loan loss allowance to noncurrent loans | 1,440.4110% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.1562% | 4,810 |
| Noncurrent loans to loans | 0.0894% | 4,985 |
| Net loans and leases to total assets | 66.6653% | 3,009 |
| Net loans and leases to deposits | 74.9546% | 3,505 |
| Net loans and leases to core deposits | 83.6018% | 3,165 |
| Total domestic deposits to total assets | 88.9409% | 938 |
| Equity capital to assets | 7.8924% | 5,772 |
| Core capital (leverage) ratio | 7.9107% | 5,718 |
| Tier 1 risk-based capital ratio | 10.7404% | 5,504 |
| Total risk-based capital ratio | 11.9475% | 5,439 |
| Memoranda: | ||
| Average total assets | $238,713,750 | 2,600 |
| Average earning assets | $225,019,250 | 2,556 |
| Average equity | $18,651,000 | 3,350 |
| Average total loans | $156,297,250 | 2,568 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5443% | 4,760 |
| Cost of funding earning assets | 0.4382% | 2,668 |
| Net interest margin | 3.1061% | 4,815 |
| Noninterest income to average assets | 0.3829% | 4,003 |
| Noninterest expense to average assets | 2.2765% | 4,669 |
| Loan and lease loss provision to assets | 0.1052% | 2,101 |
| Net operating income to assets | 0.8837% | 2,945 |
| Return on assets (ROA) | 0.8837% | 3,064 |
| Pretax return on assets | 0.9300% | 3,836 |
| Return on Equity (ROE) | 11.3493% | 1,526 |
| Retained earnings to average equity (ytd only) | 3.0589% | 3,968 |
| Net charge-offs to loans | 0.0013% | 3,663 |
| Credit loss provision to net charge-offs | 12,500.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 1,230.0000% | 37 |
| Efficiency ratio | 68.7421% | 3,204 |
| Assets per employee ($millions) | 5.5870% | 1,711 |
| Cash dividends to net income (ytd only)* | 73.0476% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3785% | 2,391 |
| Loan loss allowance to noncurrent loans | 821.1538% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.2277% | 4,585 |
| Noncurrent loans to loans | 0.1679% | 4,772 |
| Net loans and leases to total assets | 63.5799% | 3,429 |
| Net loans and leases to deposits | 71.0468% | 3,880 |
| Net loans and leases to core deposits | 80.9112% | 3,374 |
| Total domestic deposits to total assets | 89.4901% | 690 |
| Equity capital to assets | 7.9141% | 5,829 |
| Core capital (leverage) ratio | 7.6017% | 5,858 |
| Tier 1 risk-based capital ratio | 11.0723% | 5,384 |
| Total risk-based capital ratio | 12.3229% | 5,302 |
| Memoranda: | ||
| Average total assets | $237,642,330 | 2,621 |
| Average earning assets | $224,075,000 | 2,578 |
| Average equity | $18,503,330 | 3,374 |
| Average total loans | $153,934,670 | 2,600 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5118% | 4,863 |
| Cost of funding earning assets | 0.4133% | 2,921 |
| Net interest margin | 3.0985% | 4,863 |
| Noninterest income to average assets | 0.3233% | 4,419 |
| Noninterest expense to average assets | 2.2493% | 4,784 |
| Loan and lease loss provision to assets | 0.1269% | 1,669 |
| Net operating income to assets | 0.8327% | 3,075 |
| Return on assets (ROA) | 0.8327% | 3,207 |
| Pretax return on assets | 0.8784% | 3,938 |
| Return on Equity (ROE) | 10.7844% | 1,682 |
| Retained earnings to average equity (ytd only) | 2.6742% | 4,176 |
| Net charge-offs to loans | 0.0209% | 2,518 |
| Credit loss provision to net charge-offs | 937.5000% | 387 |
| Earnings coverage of net charge-offs (x) | 74.2500% | 664 |
| Efficiency ratio | 69.1108% | 3,279 |
| Assets per employee ($millions) | 5.6638% | 1,693 |
| Cash dividends to net income (ytd only)* | 75.2033% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3742% | 2,544 |
| Loan loss allowance to noncurrent loans | 1,385.3333% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.2077% | 4,727 |
| Noncurrent loans to loans | 0.0992% | 5,075 |
| Net loans and leases to total assets | 62.6961% | 3,429 |
| Net loans and leases to deposits | 69.8855% | 3,870 |
| Net loans and leases to core deposits | 78.8269% | 3,419 |
| Total domestic deposits to total assets | 89.7125% | 725 |
| Equity capital to assets | 7.7568% | 5,894 |
| Core capital (leverage) ratio | 7.8631% | 5,828 |
| Tier 1 risk-based capital ratio | 11.2257% | 5,383 |
| Total risk-based capital ratio | 12.4760% | 5,290 |
| Memoranda: | ||
| Average total assets | $236,343,000 | 2,641 |
| Average earning assets | $223,590,500 | 2,597 |
| Average equity | $18,248,500 | 3,406 |
| Average total loans | $153,462,000 | 2,600 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5804% | 4,723 |
| Cost of funding earning assets | 0.3926% | 3,234 |
| Net interest margin | 3.1878% | 4,667 |
| Noninterest income to average assets | 0.4703% | 3,529 |
| Noninterest expense to average assets | 2.1026% | 5,254 |
| Loan and lease loss provision to assets | 0.1374% | 1,723 |
| Net operating income to assets | 1.1763% | 1,644 |
| Return on assets (ROA) | 1.1727% | 1,731 |
| Pretax return on assets | 1.2306% | 2,542 |
| Return on Equity (ROE) | 15.7727% | 580 |
| Retained earnings to average equity (ytd only) | 5.4149% | 2,131 |
| Net charge-offs to loans | 0.1366% | 1,991 |
| Credit loss provision to net charge-offs | 155.5024% | 1,717 |
| Earnings coverage of net charge-offs (x) | 15.5215% | 2,197 |
| Efficiency ratio | 60.5161% | 4,836 |
| Assets per employee ($millions) | 5.7270% | 1,598 |
| Cash dividends to net income (ytd only)* | 65.6690% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 2,953 |
| Loan loss allowance to noncurrent loans | 237.7069% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.5128% | 3,589 |
| Noncurrent loans to loans | 0.5433% | 3,535 |
| Net loans and leases to total assets | 65.4556% | 3,056 |
| Net loans and leases to deposits | 73.1074% | 3,600 |
| Net loans and leases to core deposits | 83.0522% | 3,045 |
| Total domestic deposits to total assets | 89.5334% | 836 |
| Equity capital to assets | 7.6851% | 5,950 |
| Core capital (leverage) ratio | 7.7465% | 5,925 |
| Tier 1 risk-based capital ratio | 10.2531% | 5,881 |
| Total risk-based capital ratio | 11.3897% | 5,844 |
| Memoranda: | ||
| Average total assets | $236,466,600 | 2,610 |
| Average earning assets | $222,850,800 | 2,561 |
| Average equity | $17,581,000 | 3,444 |
| Average total loans | $152,995,800 | 2,558 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5775% | 4,800 |
| Cost of funding earning assets | 0.3815% | 3,413 |
| Net interest margin | 3.1960% | 4,680 |
| Noninterest income to average assets | 0.4323% | 3,853 |
| Noninterest expense to average assets | 2.0724% | 5,336 |
| Loan and lease loss provision to assets | 0.1210% | 1,881 |
| Net operating income to assets | 1.1851% | 1,697 |
| Return on assets (ROA) | 1.1803% | 1,784 |
| Pretax return on assets | 1.2422% | 2,639 |
| Return on Equity (ROE) | 16.0088% | 592 |
| Retained earnings to average equity (ytd only) | 5.6416% | 2,497 |
| Net charge-offs to loans | 0.1681% | 1,479 |
| Credit loss provision to net charge-offs | 111.9792% | 2,088 |
| Earnings coverage of net charge-offs (x) | 12.6616% | 2,390 |
| Efficiency ratio | 60.2323% | 4,860 |
| Assets per employee ($millions) | 5.5551% | 1,732 |
| Cash dividends to net income (ytd only)* | 64.7591% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2327% | 3,466 |
| Loan loss allowance to noncurrent loans | 152.7070% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.6858% | 3,193 |
| Noncurrent loans to loans | 0.8072% | 2,951 |
| Net loans and leases to total assets | 65.8680% | 3,036 |
| Net loans and leases to deposits | 73.6248% | 3,582 |
| Net loans and leases to core deposits | 83.6682% | 3,081 |
| Total domestic deposits to total assets | 89.4645% | 790 |
| Equity capital to assets | 7.7393% | 6,031 |
| Core capital (leverage) ratio | 7.7746% | 5,990 |
| Tier 1 risk-based capital ratio | 10.0425% | 6,031 |
| Total risk-based capital ratio | 11.1168% | 6,040 |
| Memoranda: | ||
| Average total assets | $236,882,000 | 2,617 |
| Average earning assets | $222,979,250 | 2,583 |
| Average equity | $17,465,000 | 3,488 |
| Average total loans | $152,318,750 | 2,575 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5013% | 4,975 |
| Cost of funding earning assets | 0.3759% | 3,542 |
| Net interest margin | 3.1253% | 4,897 |
| Noninterest income to average assets | 0.4200% | 3,924 |
| Noninterest expense to average assets | 2.0641% | 5,409 |
| Loan and lease loss provision to assets | 0.0882% | 2,344 |
| Net operating income to assets | 1.1476% | 1,790 |
| Return on assets (ROA) | 1.1484% | 1,855 |
| Pretax return on assets | 1.2089% | 2,737 |
| Return on Equity (ROE) | 15.8331% | 628 |
| Retained earnings to average equity (ytd only) | 5.3742% | 2,621 |
| Net charge-offs to loans | 0.0317% | 3,027 |
| Credit loss provision to net charge-offs | 437.5000% | 693 |
| Earnings coverage of net charge-offs (x) | 64.2917% | 804 |
| Efficiency ratio | 61.4250% | 4,769 |
| Assets per employee ($millions) | 5.4404% | 1,799 |
| Cash dividends to net income (ytd only)* | 66.0571% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3139% | 3,167 |
| Loan loss allowance to noncurrent loans | 73.1852% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 1.3322% | 1,885 |
| Noncurrent loans to loans | 1.7952% | 1,425 |
| Net loans and leases to total assets | 64.9559% | 3,132 |
| Net loans and leases to deposits | 71.1626% | 3,800 |
| Net loans and leases to core deposits | 78.8174% | 3,502 |
| Total domestic deposits to total assets | 91.2781% | 237 |
| Equity capital to assets | 7.5831% | 6,104 |
| Core capital (leverage) ratio | 7.4477% | 6,112 |
| Tier 1 risk-based capital ratio | 10.5208% | 5,916 |
| Total risk-based capital ratio | 11.6984% | 5,883 |
| Memoranda: | ||
| Average total assets | $238,071,000 | 2,627 |
| Average earning assets | $223,976,670 | 2,592 |
| Average equity | $17,267,670 | 3,529 |
| Average total loans | $151,225,670 | 2,598 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3970% | 5,211 |
| Cost of funding earning assets | 0.3702% | 3,647 |
| Net interest margin | 3.0268% | 5,131 |
| Noninterest income to average assets | 0.4134% | 3,892 |
| Noninterest expense to average assets | 2.0654% | 5,461 |
| Loan and lease loss provision to assets | 0.0741% | 2,461 |
| Net operating income to assets | 1.0591% | 2,000 |
| Return on assets (ROA) | 1.0607% | 2,130 |
| Pretax return on assets | 1.1167% | 3,007 |
| Return on Equity (ROE) | 14.9437% | 719 |
| Retained earnings to average equity (ytd only) | 4.6409% | 3,243 |
| Net charge-offs to loans | 0.0791% | 1,915 |
| Credit loss provision to net charge-offs | 150.0000% | 1,240 |
| Earnings coverage of net charge-offs (x) | 24.0667% | 1,304 |
| Efficiency ratio | 63.4615% | 4,561 |
| Assets per employee ($millions) | 5.8256% | 1,530 |
| Cash dividends to net income (ytd only)* | 68.9441% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2779% | 3,530 |
| Loan loss allowance to noncurrent loans | 101.5417% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 1.0001% | 2,629 |
| Noncurrent loans to loans | 1.2585% | 2,273 |
| Net loans and leases to total assets | 60.3057% | 3,609 |
| Net loans and leases to deposits | 65.6789% | 4,186 |
| Net loans and leases to core deposits | 71.0376% | 4,061 |
| Total domestic deposits to total assets | 91.8189% | 174 |
| Equity capital to assets | 7.1503% | 6,246 |
| Core capital (leverage) ratio | 7.2559% | 6,208 |
| Tier 1 risk-based capital ratio | 10.2720% | 6,089 |
| Total risk-based capital ratio | 11.4002% | 6,069 |
| Memoranda: | ||
| Average total assets | $242,859,000 | 2,614 |
| Average earning assets | $227,964,000 | 2,574 |
| Average equity | $17,238,000 | 3,559 |
| Average total loans | $151,640,000 | 2,603 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5250% | 5,264 |
| Cost of funding earning assets | 0.3648% | 4,085 |
| Net interest margin | 3.1602% | 5,043 |
| Noninterest income to average assets | 0.3915% | 4,256 |
| Noninterest expense to average assets | 2.1593% | 5,432 |
| Loan and lease loss provision to assets | 0.0480% | 3,611 |
| Net operating income to assets | 1.0843% | 2,041 |
| Return on assets (ROA) | 1.1026% | 2,019 |
| Pretax return on assets | 1.1606% | 2,822 |
| Return on Equity (ROE) | 15.3080% | 729 |
| Retained earnings to average equity (ytd only) | 5.3208% | 2,393 |
| Net charge-offs to loans | 0.0309% | 4,207 |
| Credit loss provision to net charge-offs | 261.9048% | 978 |
| Earnings coverage of net charge-offs (x) | 64.8810% | 747 |
| Efficiency ratio | 64.4812% | 4,512 |
| Assets per employee ($millions) | 5.6057% | 1,688 |
| Cash dividends to net income (ytd only)* | 65.2415% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 3,807 |
| Loan loss allowance to noncurrent loans | 252.6667% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.5157% | 4,078 |
| Noncurrent loans to loans | 0.4876% | 4,200 |
| Net loans and leases to total assets | 63.0269% | 3,357 |
| Net loans and leases to deposits | 68.8081% | 4,050 |
| Net loans and leases to core deposits | 73.2122% | 4,003 |
| Total domestic deposits to total assets | 91.5982% | 208 |
| Equity capital to assets | 7.0448% | 6,320 |
| Core capital (leverage) ratio | 7.1907% | 6,274 |
| Tier 1 risk-based capital ratio | 9.2755% | 6,383 |
| Total risk-based capital ratio | 10.2981% | 6,391 |
| Memoranda: | ||
| Average total assets | $229,098,000 | 2,710 |
| Average earning assets | $214,382,000 | 2,666 |
| Average equity | $16,501,200 | 3,603 |
| Average total loans | $136,094,800 | 2,763 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4847% | 5,431 |
| Cost of funding earning assets | 0.3605% | 4,228 |
| Net interest margin | 3.1242% | 5,186 |
| Noninterest income to average assets | 0.3968% | 4,266 |
| Noninterest expense to average assets | 2.1741% | 5,400 |
| Loan and lease loss provision to assets | 0.0295% | 3,817 |
| Net operating income to assets | 1.0606% | 2,191 |
| Return on assets (ROA) | 1.0909% | 2,137 |
| Pretax return on assets | 1.1481% | 2,996 |
| Return on Equity (ROE) | 15.0575% | 818 |
| Retained earnings to average equity (ytd only) | 5.2742% | 2,902 |
| Net charge-offs to loans | 0.0425% | 3,651 |
| Credit loss provision to net charge-offs | 119.0476% | 1,925 |
| Earnings coverage of net charge-offs (x) | 46.2607% | 1,029 |
| Efficiency ratio | 65.4885% | 4,300 |
| Assets per employee ($millions) | 5.2381% | 1,972 |
| Cash dividends to net income (ytd only)* | 64.9730% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2551% | 3,907 |
| Loan loss allowance to noncurrent loans | 387.9493% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.4329% | 4,616 |
| Noncurrent loans to loans | 0.3235% | 4,941 |
| Net loans and leases to total assets | 64.0935% | 3,161 |
| Net loans and leases to deposits | 70.7267% | 3,831 |
| Net loans and leases to core deposits | 75.7294% | 3,776 |
| Total domestic deposits to total assets | 90.6215% | 484 |
| Equity capital to assets | 7.4388% | 6,320 |
| Core capital (leverage) ratio | 7.5526% | 6,260 |
| Tier 1 risk-based capital ratio | 9.6952% | 6,408 |
| Total risk-based capital ratio | 10.7442% | 6,411 |
| Memoranda: | ||
| Average total assets | $226,111,750 | 2,751 |
| Average earning assets | $211,548,000 | 2,713 |
| Average equity | $16,381,250 | 3,634 |
| Average total loans | $131,664,250 | 2,836 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3892% | 5,644 |
| Cost of funding earning assets | 0.3550% | 4,377 |
| Net interest margin | 3.0342% | 5,431 |
| Noninterest income to average assets | 0.3587% | 4,549 |
| Noninterest expense to average assets | 2.1166% | 5,594 |
| Loan and lease loss provision to assets | 0.0265% | 3,746 |
| Net operating income to assets | 0.9942% | 2,345 |
| Return on assets (ROA) | 1.0353% | 2,247 |
| Pretax return on assets | 1.0901% | 3,136 |
| Return on Equity (ROE) | 14.4187% | 885 |
| Retained earnings to average equity (ytd only) | 4.8349% | 3,068 |
| Net charge-offs to loans | 0.0284% | 3,624 |
| Credit loss provision to net charge-offs | 166.6667% | 1,350 |
| Earnings coverage of net charge-offs (x) | 67.5000% | 747 |
| Efficiency ratio | 66.3528% | 4,306 |
| Assets per employee ($millions) | 5.3704% | 1,812 |
| Cash dividends to net income (ytd only)* | 66.4676% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4188% | 3,252 |
| Loan loss allowance to noncurrent loans | 355.0193% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.4713% | 4,588 |
| Noncurrent loans to loans | 0.3996% | 4,790 |
| Net loans and leases to total assets | 56.6502% | 4,169 |
| Net loans and leases to deposits | 62.1687% | 4,673 |
| Net loans and leases to core deposits | 66.4346% | 4,600 |
| Total domestic deposits to total assets | 91.1233% | 372 |
| Equity capital to assets | 7.3746% | 6,377 |
| Core capital (leverage) ratio | 7.3320% | 6,363 |
| Tier 1 risk-based capital ratio | 10.4117% | 6,277 |
| Total risk-based capital ratio | 11.5580% | 6,261 |
| Memoranda: | ||
| Average total assets | $226,403,000 | 2,762 |
| Average earning assets | $211,256,670 | 2,725 |
| Average equity | $16,256,670 | 3,651 |
| Average total loans | $126,819,670 | 2,931 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2748% | 5,892 |
| Cost of funding earning assets | 0.3505% | 4,538 |
| Net interest margin | 2.9243% | 5,697 |
| Noninterest income to average assets | 0.3633% | 4,485 |
| Noninterest expense to average assets | 2.0580% | 5,773 |
| Loan and lease loss provision to assets | 0.0265% | 3,489 |
| Net operating income to assets | 0.9622% | 2,345 |
| Return on assets (ROA) | 0.9840% | 2,329 |
| Pretax return on assets | 1.0387% | 3,172 |
| Return on Equity (ROE) | 13.8910% | 966 |
| Retained earnings to average equity (ytd only) | 4.0329% | 3,698 |
| Net charge-offs to loans | -0.0064% | 4,883 |
| Credit loss provision to net charge-offs | -750.0000% | 5,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3823% | 4,469 |
| Assets per employee ($millions) | 5.4533% | 1,748 |
| Cash dividends to net income (ytd only)* | 70.9677% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4888% | 3,188 |
| Loan loss allowance to noncurrent loans | 183.6653% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.8435% | 3,617 |
| Noncurrent loans to loans | 0.8106% | 3,851 |
| Net loans and leases to total assets | 52.0342% | 4,671 |
| Net loans and leases to deposits | 56.8555% | 5,041 |
| Net loans and leases to core deposits | 59.7098% | 5,063 |
| Total domestic deposits to total assets | 91.5200% | 372 |
| Equity capital to assets | 6.8927% | 6,469 |
| Core capital (leverage) ratio | 7.4520% | 6,352 |
| Tier 1 risk-based capital ratio | 10.4711% | 6,342 |
| Total risk-based capital ratio | 11.6431% | 6,328 |
| Memoranda: | ||
| Average total assets | $226,825,500 | 2,764 |
| Average earning assets | $212,290,000 | 2,727 |
| Average equity | $16,068,000 | 3,686 |
| Average total loans | $125,420,500 | 2,966 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1764% | 6,164 |
| Cost of funding earning assets | 0.3849% | 4,804 |
| Net interest margin | 2.7914% | 5,995 |
| Noninterest income to average assets | 0.4690% | 3,969 |
| Noninterest expense to average assets | 2.2218% | 5,573 |
| Loan and lease loss provision to assets | 0.0116% | 4,893 |
| Net operating income to assets | 0.8063% | 3,264 |
| Return on assets (ROA) | 0.8063% | 3,361 |
| Pretax return on assets | 0.8533% | 3,947 |
| Return on Equity (ROE) | 11.0025% | 1,767 |
| Retained earnings to average equity (ytd only) | 1.7988% | 4,951 |
| Net charge-offs to loans | 0.0911% | 3,932 |
| Credit loss provision to net charge-offs | 25.5102% | 4,338 |
| Earnings coverage of net charge-offs (x) | 18.9490% | 1,630 |
| Efficiency ratio | 71.9783% | 3,479 |
| Assets per employee ($millions) | 5.0967% | 2,072 |
| Cash dividends to net income (ytd only)* | 83.6511% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4388% | 3,472 |
| Loan loss allowance to noncurrent loans | 198.8030% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.7474% | 4,017 |
| Noncurrent loans to loans | 0.7237% | 4,158 |
| Net loans and leases to total assets | 57.1065% | 4,178 |
| Net loans and leases to deposits | 64.8821% | 4,427 |
| Net loans and leases to core deposits | 67.5980% | 4,552 |
| Total domestic deposits to total assets | 88.0159% | 2,174 |
| Equity capital to assets | 7.2884% | 6,369 |
| Core capital (leverage) ratio | 7.4296% | 6,398 |
| Tier 1 risk-based capital ratio | 10.4436% | 6,385 |
| Total risk-based capital ratio | 11.6133% | 6,370 |
| Memoranda: | ||
| Average total assets | $214,690,000 | 2,864 |
| Average earning assets | $201,331,000 | 2,813 |
| Average equity | $15,732,800 | 3,747 |
| Average total loans | $107,551,400 | 3,290 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0939% | 6,326 |
| Cost of funding earning assets | 0.3919% | 4,891 |
| Net interest margin | 2.7020% | 6,168 |
| Noninterest income to average assets | 0.4826% | 3,921 |
| Noninterest expense to average assets | 2.2462% | 5,489 |
| Loan and lease loss provision to assets | 0.0094% | 4,798 |
| Net operating income to assets | 0.7029% | 3,845 |
| Return on assets (ROA) | 0.7029% | 3,980 |
| Pretax return on assets | 0.7535% | 4,476 |
| Return on Equity (ROE) | 9.5790% | 2,360 |
| Retained earnings to average equity (ytd only) | 0.6125% | 5,724 |
| Net charge-offs to loans | 0.1259% | 3,265 |
| Credit loss provision to net charge-offs | 15.4639% | 4,143 |
| Earnings coverage of net charge-offs (x) | 12.5979% | 2,122 |
| Efficiency ratio | 74.6473% | 2,960 |
| Assets per employee ($millions) | 5.3676% | 1,771 |
| Cash dividends to net income (ytd only)* | 93.6055% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6865% | 2,671 |
| Loan loss allowance to noncurrent loans | 303.0000% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.7338% | 4,275 |
| Noncurrent loans to loans | 0.5566% | 4,805 |
| Net loans and leases to total assets | 48.1558% | 5,328 |
| Net loans and leases to deposits | 52.2548% | 5,691 |
| Net loans and leases to core deposits | 54.2517% | 5,747 |
| Total domestic deposits to total assets | 92.1558% | 228 |
| Equity capital to assets | 7.0590% | 6,531 |
| Core capital (leverage) ratio | 7.6891% | 6,377 |
| Tier 1 risk-based capital ratio | 11.4917% | 6,063 |
| Total risk-based capital ratio | 12.7421% | 6,026 |
| Memoranda: | ||
| Average total assets | $213,573,250 | 2,906 |
| Average earning assets | $199,698,000 | 2,856 |
| Average equity | $15,672,750 | 3,796 |
| Average total loans | $102,694,250 | 3,411 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0639% | 6,383 |
| Cost of funding earning assets | 0.4047% | 4,897 |
| Net interest margin | 2.6593% | 6,243 |
| Noninterest income to average assets | 0.5175% | 3,719 |
| Noninterest expense to average assets | 2.3178% | 5,310 |
| Loan and lease loss provision to assets | 0.0142% | 4,604 |
| Net operating income to assets | 0.6234% | 4,183 |
| Return on assets (ROA) | 0.6234% | 4,340 |
| Pretax return on assets | 0.6660% | 4,796 |
| Return on Equity (ROE) | 8.3849% | 2,903 |
| Retained earnings to average equity (ytd only) | -0.3435% | 5,921 |
| Net charge-offs to loans | 0.1941% | 2,594 |
| Credit loss provision to net charge-offs | 15.3061% | 3,826 |
| Earnings coverage of net charge-offs (x) | 7.3367% | 2,560 |
| Efficiency ratio | 77.3115% | 2,571 |
| Assets per employee ($millions) | 5.1644% | 1,921 |
| Cash dividends to net income (ytd only)* | 104.0971% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7974% | 2,440 |
| Loan loss allowance to noncurrent loans | 297.3813% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.8756% | 4,052 |
| Noncurrent loans to loans | 0.6044% | 4,746 |
| Net loans and leases to total assets | 46.8856% | 5,437 |
| Net loans and leases to deposits | 50.9144% | 5,777 |
| Net loans and leases to core deposits | 52.8686% | 5,824 |
| Total domestic deposits to total assets | 92.0870% | 234 |
| Equity capital to assets | 7.0903% | 6,582 |
| Core capital (leverage) ratio | 7.4660% | 6,469 |
| Tier 1 risk-based capital ratio | 12.0243% | 5,784 |
| Total risk-based capital ratio | 13.2754% | 5,729 |
| Memoranda: | ||
| Average total assets | $211,406,670 | 2,945 |
| Average earning assets | $197,196,670 | 2,899 |
| Average equity | $15,718,670 | 3,818 |
| Average total loans | $100,993,670 | 3,459 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0523% | 6,454 |
| Cost of funding earning assets | 0.4168% | 4,940 |
| Net interest margin | 2.6356% | 6,321 |
| Noninterest income to average assets | 0.5965% | 3,164 |
| Noninterest expense to average assets | 2.1928% | 5,704 |
| Loan and lease loss provision to assets | 0.0284% | 4,108 |
| Net operating income to assets | 0.7764% | 3,301 |
| Return on assets (ROA) | 0.7764% | 3,436 |
| Pretax return on assets | 0.8180% | 4,103 |
| Return on Equity (ROE) | 10.2044% | 1,994 |
| Retained earnings to average equity (ytd only) | 1.0204% | 5,443 |
| Net charge-offs to loans | 0.0832% | 3,009 |
| Credit loss provision to net charge-offs | 71.4286% | 2,271 |
| Earnings coverage of net charge-offs (x) | 21.2857% | 1,162 |
| Efficiency ratio | 72.1495% | 3,585 |
| Assets per employee ($millions) | 5.5245% | 1,649 |
| Cash dividends to net income (ytd only)* | 90.0000% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9371% | 2,206 |
| Loan loss allowance to noncurrent loans | 105.5741% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 1.6031% | 2,864 |
| Noncurrent loans to loans | 1.8349% | 2,821 |
| Net loans and leases to total assets | 44.5009% | 5,609 |
| Net loans and leases to deposits | 48.5117% | 5,884 |
| Net loans and leases to core deposits | 50.4027% | 5,948 |
| Total domestic deposits to total assets | 91.7323% | 304 |
| Equity capital to assets | 7.4568% | 6,605 |
| Core capital (leverage) ratio | 7.7962% | 6,292 |
| Tier 1 risk-based capital ratio | 12.1636% | 5,815 |
| Total risk-based capital ratio | 13.3489% | 5,800 |
| Memoranda: | ||
| Average total assets | $211,240,500 | 2,966 |
| Average earning assets | $195,784,000 | 2,950 |
| Average equity | $16,071,500 | 3,807 |
| Average total loans | $100,944,500 | 3,481 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5558% | 6,289 |
| Cost of funding earning assets | 0.4669% | 5,441 |
| Net interest margin | 3.0889% | 5,843 |
| Noninterest income to average assets | 0.5664% | 3,471 |
| Noninterest expense to average assets | 2.2172% | 5,890 |
| Loan and lease loss provision to assets | 0.0051% | 5,863 |
| Net operating income to assets | 1.1369% | 1,814 |
| Return on assets (ROA) | 1.1369% | 1,985 |
| Pretax return on assets | 1.1970% | 2,817 |
| Return on Equity (ROE) | 13.5592% | 1,094 |
| Retained earnings to average equity (ytd only) | 1.4221% | 5,161 |
| Net charge-offs to loans | 0.0100% | 5,797 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 233.9000% | 180 |
| Efficiency ratio | 64.8429% | 4,730 |
| Assets per employee ($millions) | 5.3084% | 1,893 |
| Cash dividends to net income (ytd only)* | 89.5118% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8249% | 2,508 |
| Loan loss allowance to noncurrent loans | 244.5302% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 1.6495% | 2,922 |
| Noncurrent loans to loans | 0.7463% | 4,687 |
| Net loans and leases to total assets | 49.3733% | 5,256 |
| Net loans and leases to deposits | 54.0397% | 5,645 |
| Net loans and leases to core deposits | 55.9956% | 5,715 |
| Total domestic deposits to total assets | 91.3649% | 380 |
| Equity capital to assets | 7.7657% | 6,516 |
| Core capital (leverage) ratio | 7.9226% | 6,265 |
| Tier 1 risk-based capital ratio | 10.9424% | 6,371 |
| Total risk-based capital ratio | 12.1931% | 6,334 |
| Memoranda: | ||
| Average total assets | $194,568,400 | 3,118 |
| Average earning assets | $179,708,800 | 3,098 |
| Average equity | $16,313,600 | 3,739 |
| Average total loans | $100,275,200 | 3,516 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6386% | 6,335 |
| Cost of funding earning assets | 0.4708% | 5,630 |
| Net interest margin | 3.1678% | 5,776 |
| Noninterest income to average assets | 0.5641% | 3,516 |
| Noninterest expense to average assets | 2.2327% | 5,873 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2013% | 1,732 |
| Return on assets (ROA) | 1.2013% | 1,905 |
| Pretax return on assets | 1.2647% | 2,732 |
| Return on Equity (ROE) | 14.0474% | 1,102 |
| Retained earnings to average equity (ytd only) | 1.9544% | 5,349 |
| Net charge-offs to loans | 0.0081% | 5,609 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 302.6588% | 152 |
| Efficiency ratio | 63.8391% | 4,828 |
| Assets per employee ($millions) | 5.0857% | 2,065 |
| Cash dividends to net income (ytd only)* | 86.0870% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9552% | 2,308 |
| Loan loss allowance to noncurrent loans | 87.8886% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 2.4059% | 2,210 |
| Noncurrent loans to loans | 2.2246% | 2,585 |
| Net loans and leases to total assets | 47.8855% | 5,558 |
| Net loans and leases to deposits | 52.7873% | 5,909 |
| Net loans and leases to core deposits | 54.5137% | 6,006 |
| Total domestic deposits to total assets | 90.7140% | 511 |
| Equity capital to assets | 8.3396% | 6,390 |
| Core capital (leverage) ratio | 8.4060% | 5,887 |
| Tier 1 risk-based capital ratio | 11.6174% | 6,162 |
| Total risk-based capital ratio | 12.7145% | 6,216 |
| Memoranda: | ||
| Average total assets | $191,453,750 | 3,189 |
| Average earning assets | $177,278,250 | 3,169 |
| Average equity | $16,372,750 | 3,758 |
| Average total loans | $99,315,000 | 3,577 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7022% | 6,329 |
| Cost of funding earning assets | 0.4796% | 5,759 |
| Net interest margin | 3.2226% | 5,665 |
| Noninterest income to average assets | 0.5836% | 3,360 |
| Noninterest expense to average assets | 2.2521% | 5,862 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2498% | 1,568 |
| Return on assets (ROA) | 1.2498% | 1,736 |
| Pretax return on assets | 1.3153% | 2,502 |
| Return on Equity (ROE) | 14.4883% | 1,016 |
| Retained earnings to average equity (ytd only) | 1.5812% | 5,416 |
| Net charge-offs to loans | 0.0100% | 5,322 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 248.8000% | 174 |
| Efficiency ratio | 63.1298% | 5,061 |
| Assets per employee ($millions) | 4.8320% | 2,382 |
| Cash dividends to net income (ytd only)* | 89.0863% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9368% | 2,427 |
| Loan loss allowance to noncurrent loans | 218.8222% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 1.0947% | 4,188 |
| Noncurrent loans to loans | 0.8851% | 4,723 |
| Net loans and leases to total assets | 50.9132% | 5,238 |
| Net loans and leases to deposits | 56.2840% | 5,619 |
| Net loans and leases to core deposits | 57.1646% | 5,851 |
| Total domestic deposits to total assets | 90.4578% | 692 |
| Equity capital to assets | 8.5498% | 6,161 |
| Core capital (leverage) ratio | 8.1138% | 6,148 |
| Tier 1 risk-based capital ratio | 12.6875% | 5,424 |
| Total risk-based capital ratio | 13.9408% | 5,398 |
| Memoranda: | ||
| Average total assets | $189,157,670 | 3,227 |
| Average earning assets | $175,137,000 | 3,203 |
| Average equity | $16,316,670 | 3,755 |
| Average total loans | $100,129,670 | 3,568 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7295% | 6,392 |
| Cost of funding earning assets | 0.4805% | 5,939 |
| Net interest margin | 3.2490% | 5,630 |
| Noninterest income to average assets | 0.6058% | 3,194 |
| Noninterest expense to average assets | 2.2690% | 5,857 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2664% | 1,552 |
| Return on assets (ROA) | 1.2664% | 1,721 |
| Pretax return on assets | 1.3339% | 2,411 |
| Return on Equity (ROE) | 14.6172% | 1,060 |
| Retained earnings to average equity (ytd only) | 14.6172% | 496 |
| Net charge-offs to loans | 0.1185% | 3,401 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 21.0667% | 1,167 |
| Efficiency ratio | 62.9760% | 5,113 |
| Assets per employee ($millions) | 4.9479% | 2,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9129% | 2,637 |
| Loan loss allowance to noncurrent loans | 158.4746% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 1.2396% | 4,065 |
| Noncurrent loans to loans | 1.2070% | 4,317 |
| Net loans and leases to total assets | 49.6914% | 5,348 |
| Net loans and leases to deposits | 54.9570% | 5,711 |
| Net loans and leases to core deposits | 56.0561% | 5,900 |
| Total domestic deposits to total assets | 90.4187% | 855 |
| Equity capital to assets | 8.6729% | 5,907 |
| Core capital (leverage) ratio | 8.7108% | 5,275 |
| Tier 1 risk-based capital ratio | 13.0258% | 5,200 |
| Total risk-based capital ratio | 14.2792% | 5,161 |
| Memoranda: | ||
| Average total assets | $189,512,500 | 3,237 |
| Average earning assets | $174,820,500 | 3,224 |
| Average equity | $16,419,000 | 3,744 |
| Average total loans | $101,274,500 | 3,561 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0127% | 6,429 |
| Cost of funding earning assets | 0.6151% | 6,010 |
| Net interest margin | 3.3976% | 5,488 |
| Noninterest income to average assets | 0.6029% | 3,147 |
| Noninterest expense to average assets | 2.3657% | 5,863 |
| Loan and lease loss provision to assets | 0.0663% | 5,782 |
| Net operating income to assets | 1.2246% | 1,445 |
| Return on assets (ROA) | 1.2246% | 1,550 |
| Pretax return on assets | 1.2903% | 2,167 |
| Return on Equity (ROE) | 13.9041% | 954 |
| Retained earnings to average equity (ytd only) | 1.7066% | 4,997 |
| Net charge-offs to loans | -0.0020% | 6,799 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5540% | 5,205 |
| Assets per employee ($millions) | 4.6514% | 2,681 |
| Cash dividends to net income (ytd only)* | 87.7256% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8132% | 2,832 |
| Loan loss allowance to noncurrent loans | 184.6453% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 1.3550% | 3,974 |
| Noncurrent loans to loans | 0.9820% | 4,743 |
| Net loans and leases to total assets | 55.3006% | 4,836 |
| Net loans and leases to deposits | 61.2400% | 5,343 |
| Net loans and leases to core deposits | 62.8401% | 5,562 |
| Total domestic deposits to total assets | 90.3013% | 811 |
| Equity capital to assets | 8.6544% | 5,952 |
| Core capital (leverage) ratio | 8.3770% | 5,741 |
| Tier 1 risk-based capital ratio | 9.1876% | 7,005 |
| Total risk-based capital ratio | 10.3058% | 7,027 |
| Memoranda: | ||
| Average total assets | $180,958,800 | 3,319 |
| Average earning assets | $166,148,400 | 3,307 |
| Average equity | $15,937,800 | 3,737 |
| Average total loans | $98,468,800 | 3,659 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9892% | 6,607 |
| Cost of funding earning assets | 0.6403% | 6,092 |
| Net interest margin | 3.3488% | 5,720 |
| Noninterest income to average assets | 0.5669% | 3,393 |
| Noninterest expense to average assets | 2.4635% | 5,579 |
| Loan and lease loss provision to assets | 0.0668% | 5,618 |
| Net operating income to assets | 1.0507% | 2,138 |
| Return on assets (ROA) | 1.0507% | 2,282 |
| Pretax return on assets | 1.1064% | 2,981 |
| Return on Equity (ROE) | 11.8763% | 1,581 |
| Retained earnings to average equity (ytd only) | 1.3084% | 5,485 |
| Net charge-offs to loans | -0.0069% | 6,740 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7413% | 4,367 |
| Assets per employee ($millions) | 4.3850% | 3,097 |
| Cash dividends to net income (ytd only)* | 88.9833% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8783% | 2,679 |
| Loan loss allowance to noncurrent loans | 59.4037% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 2.6482% | 2,444 |
| Noncurrent loans to loans | 3.1620% | 2,195 |
| Net loans and leases to total assets | 55.7825% | 4,875 |
| Net loans and leases to deposits | 63.0598% | 5,284 |
| Net loans and leases to core deposits | 64.6123% | 5,554 |
| Total domestic deposits to total assets | 88.4596% | 1,780 |
| Equity capital to assets | 9.2029% | 5,511 |
| Core capital (leverage) ratio | 8.8093% | 5,248 |
| Tier 1 risk-based capital ratio | 9.7404% | 7,018 |
| Total risk-based capital ratio | 10.9177% | 7,024 |
| Memoranda: | ||
| Average total assets | $179,684,500 | 3,351 |
| Average earning assets | $164,709,250 | 3,340 |
| Average equity | $15,896,750 | 3,761 |
| Average total loans | $96,888,500 | 3,728 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9333% | 6,765 |
| Cost of funding earning assets | 0.6564% | 6,199 |
| Net interest margin | 3.2769% | 5,922 |
| Noninterest income to average assets | 0.5532% | 3,457 |
| Noninterest expense to average assets | 2.4526% | 5,696 |
| Loan and lease loss provision to assets | 0.0663% | 5,480 |
| Net operating income to assets | 0.9817% | 2,301 |
| Return on assets (ROA) | 0.9817% | 2,403 |
| Pretax return on assets | 1.0336% | 3,107 |
| Return on Equity (ROE) | 11.2425% | 1,716 |
| Retained earnings to average equity (ytd only) | 1.7958% | 5,097 |
| Net charge-offs to loans | -0.0229% | 6,856 |
| Credit loss provision to net charge-offs | -545.4545% | 6,509 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0395% | 4,325 |
| Assets per employee ($millions) | 4.3978% | 3,000 |
| Cash dividends to net income (ytd only)* | 84.0270% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9013% | 2,664 |
| Loan loss allowance to noncurrent loans | 151.6817% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 1.5046% | 3,945 |
| Noncurrent loans to loans | 1.2535% | 4,564 |
| Net loans and leases to total assets | 52.9089% | 5,451 |
| Net loans and leases to deposits | 59.5744% | 5,769 |
| Net loans and leases to core deposits | 61.2379% | 5,970 |
| Total domestic deposits to total assets | 88.8115% | 1,661 |
| Equity capital to assets | 9.0111% | 5,564 |
| Core capital (leverage) ratio | 8.3882% | 5,727 |
| Tier 1 risk-based capital ratio | 9.8433% | 7,022 |
| Total risk-based capital ratio | 11.0189% | 7,038 |
| Memoranda: | ||
| Average total assets | $181,112,330 | 3,353 |
| Average earning assets | $165,765,000 | 3,342 |
| Average equity | $15,815,000 | 3,764 |
| Average total loans | $95,946,000 | 3,800 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8390% | 6,901 |
| Cost of funding earning assets | 0.6631% | 6,330 |
| Net interest margin | 3.1759% | 6,147 |
| Noninterest income to average assets | 0.5553% | 3,469 |
| Noninterest expense to average assets | 2.4725% | 5,655 |
| Loan and lease loss provision to assets | 0.0661% | 5,170 |
| Net operating income to assets | 0.8727% | 2,693 |
| Return on assets (ROA) | 0.8727% | 2,747 |
| Pretax return on assets | 0.9189% | 3,428 |
| Return on Equity (ROE) | 10.1548% | 2,043 |
| Retained earnings to average equity (ytd only) | 0.9232% | 5,460 |
| Net charge-offs to loans | -0.0126% | 6,436 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5105% | 3,958 |
| Assets per employee ($millions) | 4.4816% | 2,919 |
| Cash dividends to net income (ytd only)* | 90.9091% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9271% | 2,606 |
| Loan loss allowance to noncurrent loans | 199.2299% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 1.2857% | 4,393 |
| Noncurrent loans to loans | 0.9673% | 5,109 |
| Net loans and leases to total assets | 48.9656% | 5,964 |
| Net loans and leases to deposits | 54.5849% | 6,246 |
| Net loans and leases to core deposits | 55.9630% | 6,414 |
| Total domestic deposits to total assets | 89.7055% | 1,352 |
| Equity capital to assets | 8.2815% | 6,184 |
| Core capital (leverage) ratio | 8.5626% | 5,329 |
| Tier 1 risk-based capital ratio | 10.1334% | 6,958 |
| Total risk-based capital ratio | 11.3269% | 6,978 |
| Memoranda: | ||
| Average total assets | $181,513,500 | 3,370 |
| Average earning assets | $165,876,500 | 3,364 |
| Average equity | $15,598,500 | 3,796 |
| Average total loans | $95,294,500 | 3,848 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3541% | 6,691 |
| Cost of funding earning assets | 0.8343% | 6,422 |
| Net interest margin | 3.5197% | 5,160 |
| Noninterest income to average assets | 0.5772% | 3,603 |
| Noninterest expense to average assets | 2.6015% | 5,406 |
| Loan and lease loss provision to assets | 0.0937% | 6,206 |
| Net operating income to assets | 1.0590% | 1,841 |
| Return on assets (ROA) | 1.0596% | 1,934 |
| Pretax return on assets | 1.1129% | 2,531 |
| Return on Equity (ROE) | 11.5824% | 1,423 |
| Retained earnings to average equity (ytd only) | 1.4462% | 4,807 |
| Net charge-offs to loans | 0.5722% | 3,337 |
| Credit loss provision to net charge-offs | 29.3578% | 6,497 |
| Earnings coverage of net charge-offs (x) | 3.7798% | 3,190 |
| Efficiency ratio | 68.3272% | 4,497 |
| Assets per employee ($millions) | 4.1619% | 3,457 |
| Cash dividends to net income (ytd only)* | 87.5138% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8404% | 2,718 |
| Loan loss allowance to noncurrent loans | 181.0591% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 1.4262% | 4,206 |
| Noncurrent loans to loans | 1.0164% | 5,038 |
| Net loans and leases to total assets | 54.2526% | 5,604 |
| Net loans and leases to deposits | 61.0497% | 5,947 |
| Net loans and leases to core deposits | 62.7205% | 6,177 |
| Total domestic deposits to total assets | 88.8662% | 1,735 |
| Equity capital to assets | 8.9296% | 5,239 |
| Core capital (leverage) ratio | 8.7202% | 4,980 |
| Tier 1 risk-based capital ratio | 10.5177% | 6,691 |
| Total risk-based capital ratio | 11.7176% | 6,698 |
| Memoranda: | ||
| Average total assets | $170,822,000 | 3,519 |
| Average earning assets | $156,772,600 | 3,509 |
| Average equity | $15,627,200 | 3,835 |
| Average total loans | $95,246,800 | 3,914 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3517% | 6,894 |
| Cost of funding earning assets | 0.8652% | 6,523 |
| Net interest margin | 3.4865% | 5,354 |
| Noninterest income to average assets | 0.5252% | 3,982 |
| Noninterest expense to average assets | 2.6670% | 5,015 |
| Loan and lease loss provision to assets | 0.1256% | 5,771 |
| Net operating income to assets | 0.8864% | 2,664 |
| Return on assets (ROA) | 0.8872% | 2,804 |
| Pretax return on assets | 0.9382% | 3,415 |
| Return on Equity (ROE) | 9.6383% | 2,271 |
| Retained earnings to average equity (ytd only) | 0.4265% | 5,627 |
| Net charge-offs to loans | 0.7558% | 2,536 |
| Credit loss provision to net charge-offs | 29.7398% | 6,155 |
| Earnings coverage of net charge-offs (x) | 2.5167% | 3,908 |
| Efficiency ratio | 71.5007% | 3,798 |
| Assets per employee ($millions) | 3.9190% | 3,997 |
| Cash dividends to net income (ytd only)* | 95.5749% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9095% | 2,452 |
| Loan loss allowance to noncurrent loans | 109.9138% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 1.8734% | 3,643 |
| Noncurrent loans to loans | 1.7373% | 4,037 |
| Net loans and leases to total assets | 54.4124% | 5,784 |
| Net loans and leases to deposits | 61.6623% | 6,153 |
| Net loans and leases to core deposits | 64.0104% | 6,301 |
| Total domestic deposits to total assets | 88.2426% | 1,834 |
| Equity capital to assets | 9.3137% | 5,114 |
| Core capital (leverage) ratio | 9.0336% | 4,634 |
| Tier 1 risk-based capital ratio | 10.8540% | 6,503 |
| Total risk-based capital ratio | 12.0536% | 6,530 |
| Memoranda: | ||
| Average total assets | $169,827,250 | 3,586 |
| Average earning assets | $156,102,000 | 3,568 |
| Average equity | $15,631,750 | 3,871 |
| Average total loans | $94,905,500 | 4,002 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4133% | 6,875 |
| Cost of funding earning assets | 0.8978% | 6,592 |
| Net interest margin | 3.5156% | 5,188 |
| Noninterest income to average assets | 0.5697% | 3,545 |
| Noninterest expense to average assets | 2.6888% | 4,956 |
| Loan and lease loss provision to assets | 0.1410% | 5,483 |
| Net operating income to assets | 0.9198% | 2,474 |
| Return on assets (ROA) | 0.9209% | 2,565 |
| Pretax return on assets | 0.9703% | 3,237 |
| Return on Equity (ROE) | 10.0444% | 2,095 |
| Retained earnings to average equity (ytd only) | 1.2812% | 5,241 |
| Net charge-offs to loans | 0.9331% | 1,970 |
| Credit loss provision to net charge-offs | 26.9663% | 5,777 |
| Earnings coverage of net charge-offs (x) | 2.1236% | 3,961 |
| Efficiency ratio | 70.7792% | 4,021 |
| Assets per employee ($millions) | 3.9236% | 3,923 |
| Cash dividends to net income (ytd only)* | 87.2449% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9493% | 2,306 |
| Loan loss allowance to noncurrent loans | 114.9468% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 1.9069% | 3,613 |
| Noncurrent loans to loans | 1.6958% | 4,143 |
| Net loans and leases to total assets | 53.5519% | 6,042 |
| Net loans and leases to deposits | 60.5161% | 6,367 |
| Net loans and leases to core deposits | 63.1858% | 6,465 |
| Total domestic deposits to total assets | 88.4921% | 1,735 |
| Equity capital to assets | 9.1098% | 5,281 |
| Core capital (leverage) ratio | 8.7252% | 5,040 |
| Tier 1 risk-based capital ratio | 10.8563% | 6,397 |
| Total risk-based capital ratio | 12.0601% | 6,424 |
| Memoranda: | ||
| Average total assets | $170,264,670 | 3,597 |
| Average earning assets | $156,389,330 | 3,592 |
| Average equity | $15,610,670 | 3,869 |
| Average total loans | $95,381,330 | 4,029 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4125% | 6,979 |
| Cost of funding earning assets | 0.9334% | 6,640 |
| Net interest margin | 3.4791% | 5,243 |
| Noninterest income to average assets | 0.5512% | 3,644 |
| Noninterest expense to average assets | 2.7561% | 4,670 |
| Loan and lease loss provision to assets | 0.1419% | 5,131 |
| Net operating income to assets | 0.8092% | 2,923 |
| Return on assets (ROA) | 0.8115% | 3,010 |
| Pretax return on assets | 0.8564% | 3,638 |
| Return on Equity (ROE) | 8.8217% | 2,558 |
| Retained earnings to average equity (ytd only) | 0.4887% | 5,637 |
| Net charge-offs to loans | -0.0083% | 6,867 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4552% | 3,676 |
| Assets per employee ($millions) | 3.8387% | 4,227 |
| Cash dividends to net income (ytd only)* | 94.4606% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3296% | 1,530 |
| Loan loss allowance to noncurrent loans | 70.5677% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 2.2042% | 3,267 |
| Noncurrent loans to loans | 3.3012% | 2,417 |
| Net loans and leases to total assets | 55.2296% | 5,858 |
| Net loans and leases to deposits | 62.4172% | 6,238 |
| Net loans and leases to core deposits | 64.9418% | 6,381 |
| Total domestic deposits to total assets | 88.4846% | 1,799 |
| Equity capital to assets | 9.1875% | 5,003 |
| Core capital (leverage) ratio | 8.9065% | 4,719 |
| Tier 1 risk-based capital ratio | 11.3633% | 5,800 |
| Total risk-based capital ratio | 12.5798% | 5,797 |
| Memoranda: | ||
| Average total assets | $169,078,000 | 3,678 |
| Average earning assets | $155,557,000 | 3,657 |
| Average equity | $15,552,500 | 3,907 |
| Average total loans | $95,927,500 | 4,076 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8606% | 6,806 |
| Cost of funding earning assets | 1.3155% | 6,257 |
| Net interest margin | 3.5451% | 4,763 |
| Noninterest income to average assets | 0.6112% | 3,540 |
| Noninterest expense to average assets | 2.7185% | 5,303 |
| Loan and lease loss provision to assets | 0.4031% | 4,398 |
| Net operating income to assets | 0.7232% | 2,841 |
| Return on assets (ROA) | 0.9597% | 2,034 |
| Pretax return on assets | 1.0101% | 2,559 |
| Return on Equity (ROE) | 10.2549% | 1,618 |
| Retained earnings to average equity (ytd only) | 1.0768% | 4,287 |
| Net charge-offs to loans | 0.2992% | 4,763 |
| Credit loss provision to net charge-offs | 227.4247% | 1,635 |
| Earnings coverage of net charge-offs (x) | 6.5686% | 2,337 |
| Efficiency ratio | 70.0153% | 4,627 |
| Assets per employee ($millions) | 3.8466% | 4,153 |
| Cash dividends to net income (ytd only)* | 89.4997% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2451% | 1,573 |
| Loan loss allowance to noncurrent loans | 64.4709% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 2.6806% | 2,619 |
| Noncurrent loans to loans | 3.4823% | 2,183 |
| Net loans and leases to total assets | 55.6460% | 6,008 |
| Net loans and leases to deposits | 63.1831% | 6,347 |
| Net loans and leases to core deposits | 68.8103% | 6,833 |
| Total domestic deposits to total assets | 88.0710% | 1,943 |
| Equity capital to assets | 9.2093% | 4,834 |
| Core capital (leverage) ratio | 9.0138% | 4,392 |
| Tier 1 risk-based capital ratio | 11.3419% | 5,575 |
| Total risk-based capital ratio | 12.5598% | 5,549 |
| Memoranda: | ||
| Average total assets | $168,698,000 | 3,635 |
| Average earning assets | $155,680,000 | 3,602 |
| Average equity | $15,787,600 | 3,903 |
| Average total loans | $99,938,600 | 3,953 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9584% | 6,739 |
| Cost of funding earning assets | 1.3997% | 6,234 |
| Net interest margin | 3.5587% | 4,642 |
| Noninterest income to average assets | 0.6201% | 3,546 |
| Noninterest expense to average assets | 2.8088% | 4,860 |
| Loan and lease loss provision to assets | 0.4904% | 3,452 |
| Net operating income to assets | 0.5738% | 3,712 |
| Return on assets (ROA) | 0.7902% | 2,918 |
| Pretax return on assets | 0.8329% | 3,430 |
| Return on Equity (ROE) | 8.4101% | 2,484 |
| Retained earnings to average equity (ytd only) | 0.4546% | 5,014 |
| Net charge-offs to loans | 0.3874% | 3,716 |
| Credit loss provision to net charge-offs | 211.6041% | 2,076 |
| Earnings coverage of net charge-offs (x) | 4.7269% | 3,030 |
| Efficiency ratio | 71.9408% | 4,252 |
| Assets per employee ($millions) | 3.7486% | 4,315 |
| Cash dividends to net income (ytd only)* | 94.5945% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2114% | 1,401 |
| Loan loss allowance to noncurrent loans | 53.8973% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 3.2369% | 2,093 |
| Noncurrent loans to loans | 4.1030% | 1,780 |
| Net loans and leases to total assets | 56.5424% | 6,087 |
| Net loans and leases to deposits | 64.6456% | 6,435 |
| Net loans and leases to core deposits | 70.7863% | 6,920 |
| Total domestic deposits to total assets | 87.4651% | 1,910 |
| Equity capital to assets | 9.5271% | 4,706 |
| Core capital (leverage) ratio | 9.0367% | 4,594 |
| Tier 1 risk-based capital ratio | 11.5966% | 5,347 |
| Total risk-based capital ratio | 12.8144% | 5,313 |
| Memoranda: | ||
| Average total assets | $168,559,500 | 3,651 |
| Average earning assets | $155,557,000 | 3,626 |
| Average equity | $15,837,750 | 3,948 |
| Average total loans | $100,837,000 | 3,962 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0214% | 6,698 |
| Cost of funding earning assets | 1.4731% | 6,245 |
| Net interest margin | 3.5482% | 4,581 |
| Noninterest income to average assets | 0.5902% | 3,770 |
| Noninterest expense to average assets | 2.7956% | 4,978 |
| Loan and lease loss provision to assets | 0.4948% | 3,063 |
| Net operating income to assets | 0.5601% | 3,842 |
| Return on assets (ROA) | 0.8824% | 2,630 |
| Pretax return on assets | 0.9307% | 3,238 |
| Return on Equity (ROE) | 9.4338% | 2,208 |
| Retained earnings to average equity (ytd only) | 1.7507% | 4,368 |
| Net charge-offs to loans | 0.5143% | 2,783 |
| Credit loss provision to net charge-offs | 159.0909% | 2,889 |
| Earnings coverage of net charge-offs (x) | 3.4924% | 3,422 |
| Efficiency ratio | 72.0182% | 4,405 |
| Assets per employee ($millions) | 3.8929% | 3,888 |
| Cash dividends to net income (ytd only)* | 81.4419% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9810% | 1,608 |
| Loan loss allowance to noncurrent loans | 42.1304% | 5,548 |
| Noncurrent assets plus other real estate owned to assets | 3.9442% | 1,517 |
| Noncurrent loans to loans | 4.7021% | 1,344 |
| Net loans and leases to total assets | 55.9823% | 6,206 |
| Net loans and leases to deposits | 63.8048% | 6,581 |
| Net loans and leases to core deposits | 69.6589% | 7,038 |
| Total domestic deposits to total assets | 87.7399% | 1,908 |
| Equity capital to assets | 9.1880% | 5,031 |
| Core capital (leverage) ratio | 8.6618% | 5,161 |
| Tier 1 risk-based capital ratio | 11.4668% | 5,423 |
| Total risk-based capital ratio | 12.6925% | 5,366 |
| Memoranda: | ||
| Average total assets | $169,766,000 | 3,644 |
| Average earning assets | $157,486,670 | 3,608 |
| Average equity | $15,879,000 | 3,945 |
| Average total loans | $102,659,330 | 3,946 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1105% | 6,614 |
| Cost of funding earning assets | 1.5640% | 6,182 |
| Net interest margin | 3.5465% | 4,538 |
| Noninterest income to average assets | 0.5680% | 3,774 |
| Noninterest expense to average assets | 2.6721% | 5,139 |
| Loan and lease loss provision to assets | 0.4379% | 2,733 |
| Net operating income to assets | 0.7100% | 3,506 |
| Return on assets (ROA) | 0.7100% | 3,701 |
| Pretax return on assets | 0.7479% | 4,264 |
| Return on Equity (ROE) | 7.5237% | 3,368 |
| Retained earnings to average equity (ytd only) | 0.3762% | 5,510 |
| Net charge-offs to loans | 0.0571% | 4,668 |
| Credit loss provision to net charge-offs | 1,233.3333% | 513 |
| Earnings coverage of net charge-offs (x) | 33.4000% | 983 |
| Efficiency ratio | 69.2638% | 4,723 |
| Assets per employee ($millions) | 3.9525% | 3,770 |
| Cash dividends to net income (ytd only)* | 95.0000% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9195% | 1,579 |
| Loan loss allowance to noncurrent loans | 41.6827% | 5,764 |
| Noncurrent assets plus other real estate owned to assets | 3.8031% | 1,388 |
| Noncurrent loans to loans | 4.6050% | 1,231 |
| Net loans and leases to total assets | 57.3517% | 6,045 |
| Net loans and leases to deposits | 65.2546% | 6,443 |
| Net loans and leases to core deposits | 71.2527% | 6,949 |
| Total domestic deposits to total assets | 87.8892% | 1,798 |
| Equity capital to assets | 9.1541% | 5,145 |
| Core capital (leverage) ratio | 8.9626% | 4,771 |
| Tier 1 risk-based capital ratio | 10.8645% | 6,027 |
| Total risk-based capital ratio | 12.0512% | 5,996 |
| Memoranda: | ||
| Average total assets | $169,005,000 | 3,669 |
| Average earning assets | $156,775,000 | 3,633 |
| Average equity | $15,949,500 | 3,950 |
| Average total loans | $105,074,500 | 3,904 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6885% | 6,812 |
| Cost of funding earning assets | 2.2007% | 5,594 |
| Net interest margin | 3.4878% | 5,335 |
| Noninterest income to average assets | 0.5216% | 4,455 |
| Noninterest expense to average assets | 2.4751% | 6,108 |
| Loan and lease loss provision to assets | 0.4232% | 3,162 |
| Net operating income to assets | 0.8114% | 3,390 |
| Return on assets (ROA) | 0.8805% | 2,936 |
| Pretax return on assets | 0.9299% | 3,621 |
| Return on Equity (ROE) | 9.5847% | 2,406 |
| Retained earnings to average equity (ytd only) | 3.0759% | 3,249 |
| Net charge-offs to loans | 0.5060% | 2,329 |
| Credit loss provision to net charge-offs | 134.7249% | 3,954 |
| Earnings coverage of net charge-offs (x) | 4.0759% | 4,112 |
| Efficiency ratio | 65.9048% | 5,142 |
| Assets per employee ($millions) | 3.7295% | 4,106 |
| Cash dividends to net income (ytd only)* | 67.9079% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6431% | 2,088 |
| Loan loss allowance to noncurrent loans | 56.4103% | 5,156 |
| Noncurrent assets plus other real estate owned to assets | 2.7764% | 1,696 |
| Noncurrent loans to loans | 2.9127% | 1,848 |
| Net loans and leases to total assets | 65.0059% | 5,066 |
| Net loans and leases to deposits | 74.5211% | 5,785 |
| Net loans and leases to core deposits | 80.8051% | 6,551 |
| Total domestic deposits to total assets | 87.2315% | 1,823 |
| Equity capital to assets | 9.7374% | 4,382 |
| Core capital (leverage) ratio | 9.0577% | 4,656 |
| Tier 1 risk-based capital ratio | 10.6526% | 6,042 |
| Total risk-based capital ratio | 11.8337% | 6,021 |
| Memoranda: | ||
| Average total assets | $167,751,000 | 3,586 |
| Average earning assets | $155,542,400 | 3,555 |
| Average equity | $15,410,000 | 4,053 |
| Average total loans | $104,147,400 | 3,846 |