Home > The Commercial and Savings Bank of Millersburg, Ohio > Performance and Condition Ratios
The Commercial and Savings Bank of Millersburg, Ohio, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2466% | 3,532 |
| Cost of funding earning assets | 0.9115% | 3,495 |
| Net interest margin | 3.3351% | 2,547 |
| Noninterest income to average assets | 0.5800% | 1,611 |
| Noninterest expense to average assets | 2.0432% | 3,527 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.2991% | 1,440 |
| Return on assets (ROA) | 1.2991% | 1,408 |
| Pretax return on assets | 1.6186% | 1,201 |
| Return on Equity (ROE) | 15.0300% | 1,284 |
| Retained earnings to average equity (ytd only) | 9.8382% | 1,059 |
| Net charge-offs to loans | -0.0196% | 4,149 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 55.2227% | 3,579 |
| Assets per employee ($millions) | 7.0135% | 2,065 |
| Cash dividends to net income (ytd only)* | 34.5538% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9420% | 3,561 |
| Loan loss allowance to noncurrent loans | 1,668.4343% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 3,416 |
| Noncurrent loans to loans | 0.0565% | 3,312 |
| Net loans and leases to total assets | 58.9700% | 2,951 |
| Net loans and leases to deposits | 67.6071% | 3,064 |
| Net loans and leases to core deposits | 71.6950% | 3,208 |
| Total domestic deposits to total assets | 87.2200% | 1,610 |
| Equity capital to assets | 9.1065% | 2,606 |
| Core capital (leverage) ratio | 9.5377% | 3,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1738% | 1,233 |
| Memoranda: | ||
| Average total assets | $1,158,428,000 | 876 |
| Average earning assets | $1,083,396,800 | 856 |
| Average equity | $100,109,800 | 946 |
| Average total loans | $664,427,600 | 1,008 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1444% | 3,568 |
| Cost of funding earning assets | 0.8342% | 3,443 |
| Net interest margin | 3.3102% | 2,656 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 2.0241% | 3,532 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.3041% | 1,541 |
| Return on assets (ROA) | 1.3041% | 1,523 |
| Pretax return on assets | 1.6249% | 1,305 |
| Return on Equity (ROE) | 15.3000% | 1,392 |
| Retained earnings to average equity (ytd only) | 9.8757% | 1,438 |
| Net charge-offs to loans | -0.0254% | 4,193 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.9727% | 3,492 |
| Assets per employee ($millions) | 6.4956% | 2,331 |
| Cash dividends to net income (ytd only)* | 35.4547% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9826% | 3,455 |
| Loan loss allowance to noncurrent loans | 2,573.4615% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 3,594 |
| Noncurrent loans to loans | 0.0382% | 3,493 |
| Net loans and leases to total assets | 58.3200% | 3,002 |
| Net loans and leases to deposits | 66.2155% | 3,111 |
| Net loans and leases to core deposits | 69.9589% | 3,209 |
| Total domestic deposits to total assets | 88.0700% | 1,543 |
| Equity capital to assets | 8.7210% | 2,586 |
| Core capital (leverage) ratio | 9.4088% | 3,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0294% | 1,312 |
| Memoranda: | ||
| Average total assets | $1,153,466,750 | 882 |
| Average earning assets | $1,079,053,500 | 863 |
| Average equity | $98,312,500 | 956 |
| Average total loans | $655,183,500 | 1,018 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0456% | 3,598 |
| Cost of funding earning assets | 0.7173% | 3,437 |
| Net interest margin | 3.3283% | 2,690 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 2.0023% | 3,595 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.3443% | 1,465 |
| Return on assets (ROA) | 1.3443% | 1,453 |
| Pretax return on assets | 1.6758% | 1,262 |
| Return on Equity (ROE) | 15.9000% | 1,282 |
| Retained earnings to average equity (ytd only) | 10.1506% | 1,366 |
| Net charge-offs to loans | -0.0019% | 3,521 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 54.1610% | 3,594 |
| Assets per employee ($millions) | 6.7197% | 2,129 |
| Cash dividends to net income (ytd only)* | 36.1430% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9866% | 3,488 |
| Loan loss allowance to noncurrent loans | 2,582.2835% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.0220% | 3,595 |
| Noncurrent loans to loans | 0.0382% | 3,455 |
| Net loans and leases to total assets | 56.9500% | 3,051 |
| Net loans and leases to deposits | 64.4007% | 3,171 |
| Net loans and leases to core deposits | 67.5765% | 3,255 |
| Total domestic deposits to total assets | 88.4300% | 1,452 |
| Equity capital to assets | 8.5961% | 2,784 |
| Core capital (leverage) ratio | 9.3036% | 3,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8363% | 1,351 |
| Memoranda: | ||
| Average total assets | $1,152,548,667 | 871 |
| Average earning assets | $1,079,040,333 | 857 |
| Average equity | $97,472,000 | 954 |
| Average total loans | $646,595,000 | 1,013 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9411% | 3,583 |
| Cost of funding earning assets | 0.6164% | 3,331 |
| Net interest margin | 3.3246% | 2,815 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 1.9417% | 3,765 |
| Loan and lease loss provision to assets | -0.0100% | 4,432 |
| Net operating income to assets | 1.4006% | 1,408 |
| Return on assets (ROA) | 1.4006% | 1,386 |
| Pretax return on assets | 1.7471% | 1,178 |
| Return on Equity (ROE) | 16.7000% | 1,221 |
| Retained earnings to average equity (ytd only) | 10.0692% | 1,681 |
| Net charge-offs to loans | 0.0025% | 1,935 |
| Credit loss provision to net charge-offs | 800.0000% | 413 |
| Earnings coverage of net charge-offs (x) | 1,249.0000% | 78 |
| Efficiency ratio | 52.7922% | 3,721 |
| Assets per employee ($millions) | 6.7239% | 2,177 |
| Cash dividends to net income (ytd only)* | 39.7022% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9736% | 3,625 |
| Loan loss allowance to noncurrent loans | 2,893.1193% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 3,618 |
| Noncurrent loans to loans | 0.0337% | 3,511 |
| Net loans and leases to total assets | 56.1200% | 3,032 |
| Net loans and leases to deposits | 63.6466% | 3,116 |
| Net loans and leases to core deposits | 65.6965% | 3,252 |
| Total domestic deposits to total assets | 88.1700% | 1,865 |
| Equity capital to assets | 8.6010% | 2,813 |
| Core capital (leverage) ratio | 9.1184% | 3,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9244% | 1,391 |
| Memoranda: | ||
| Average total assets | $1,150,931,500 | 893 |
| Average earning assets | $1,078,491,500 | 872 |
| Average equity | $96,532,000 | 974 |
| Average total loans | $637,498,000 | 1,031 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2496% | 3,715 |
| Cost of funding earning assets | 0.2330% | 3,484 |
| Net interest margin | 3.0166% | 3,410 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 2.0073% | 3,561 |
| Loan and lease loss provision to assets | -0.0800% | 4,486 |
| Net operating income to assets | 1.1903% | 1,810 |
| Return on assets (ROA) | 1.1903% | 1,749 |
| Pretax return on assets | 1.4793% | 1,516 |
| Return on Equity (ROE) | 14.5900% | 1,368 |
| Retained earnings to average equity (ytd only) | 10.3603% | 1,053 |
| Net charge-offs to loans | -0.0196% | 4,063 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.8932% | 3,204 |
| Assets per employee ($millions) | 6.7372% | 2,164 |
| Cash dividends to net income (ytd only)* | 28.9802% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0902% | 2,944 |
| Loan loss allowance to noncurrent loans | 2,671.0938% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 3,622 |
| Noncurrent loans to loans | 0.0408% | 3,478 |
| Net loans and leases to total assets | 53.5400% | 3,236 |
| Net loans and leases to deposits | 60.5713% | 3,297 |
| Net loans and leases to core deposits | 62.2793% | 3,376 |
| Total domestic deposits to total assets | 88.3900% | 1,935 |
| Equity capital to assets | 8.1765% | 2,949 |
| Core capital (leverage) ratio | 8.6947% | 3,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8768% | 1,396 |
| Memoranda: | ||
| Average total assets | $1,145,099,000 | 880 |
| Average earning assets | $1,071,282,200 | 865 |
| Average equity | $93,433,400 | 987 |
| Average total loans | $587,439,600 | 1,048 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0456% | 3,801 |
| Cost of funding earning assets | 0.1680% | 3,650 |
| Net interest margin | 2.8775% | 3,548 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 1.9745% | 3,543 |
| Loan and lease loss provision to assets | -0.1000% | 4,581 |
| Net operating income to assets | 1.1416% | 1,923 |
| Return on assets (ROA) | 1.1416% | 1,893 |
| Pretax return on assets | 1.4172% | 1,665 |
| Return on Equity (ROE) | 14.0000% | 1,428 |
| Retained earnings to average equity (ytd only) | 9.8468% | 1,395 |
| Net charge-offs to loans | -0.0658% | 4,376 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.0668% | 3,102 |
| Assets per employee ($millions) | 6.7531% | 2,131 |
| Cash dividends to net income (ytd only)* | 29.6573% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1485% | 2,799 |
| Loan loss allowance to noncurrent loans | 1,021.5743% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.0591% | 3,302 |
| Noncurrent loans to loans | 0.1124% | 3,085 |
| Net loans and leases to total assets | 51.9300% | 3,281 |
| Net loans and leases to deposits | 58.5548% | 3,308 |
| Net loans and leases to core deposits | 60.1495% | 3,374 |
| Total domestic deposits to total assets | 88.6800% | 2,223 |
| Equity capital to assets | 7.8183% | 3,014 |
| Core capital (leverage) ratio | 8.5946% | 3,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5155% | 1,565 |
| Memoranda: | ||
| Average total assets | $1,141,673,750 | 886 |
| Average earning assets | $1,068,011,750 | 876 |
| Average equity | $93,104,500 | 1,013 |
| Average total loans | $577,493,750 | 1,059 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8702% | 3,851 |
| Cost of funding earning assets | 0.1412% | 3,697 |
| Net interest margin | 2.7290% | 3,644 |
| Noninterest income to average assets | 0.6026% | 1,728 |
| Noninterest expense to average assets | 1.9430% | 3,594 |
| Loan and lease loss provision to assets | -0.1137% | 4,614 |
| Net operating income to assets | 1.0704% | 1,894 |
| Return on assets (ROA) | 1.0704% | 1,871 |
| Pretax return on assets | 1.3270% | 1,653 |
| Return on Equity (ROE) | 12.9436% | 1,394 |
| Retained earnings to average equity (ytd only) | 8.8954% | 1,319 |
| Net charge-offs to loans | -0.1041% | 4,453 |
| Credit loss provision to net charge-offs | 218.6441% | 932 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5586% | 3,098 |
| Assets per employee ($millions) | 6.5876% | 2,249 |
| Cash dividends to net income (ytd only)* | 31.2757% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2475% | 2,436 |
| Loan loss allowance to noncurrent loans | 1,053.3333% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.0613% | 3,366 |
| Noncurrent loans to loans | 0.1184% | 3,139 |
| Net loans and leases to total assets | 51.0749% | 3,256 |
| Net loans and leases to deposits | 57.8663% | 3,237 |
| Net loans and leases to core deposits | 59.3706% | 3,314 |
| Total domestic deposits to total assets | 88.2636% | 2,473 |
| Equity capital to assets | 8.1813% | 2,981 |
| Core capital (leverage) ratio | 8.5424% | 3,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9080% | 1,457 |
| Memoranda: | ||
| Average total assets | $1,135,055,667 | 886 |
| Average earning assets | $1,062,144,000 | 878 |
| Average equity | $93,868,667 | 1,012 |
| Average total loans | $566,601,333 | 1,066 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7144% | 3,920 |
| Cost of funding earning assets | 0.1413% | 3,609 |
| Net interest margin | 2.5731% | 3,731 |
| Noninterest income to average assets | 0.5761% | 1,799 |
| Noninterest expense to average assets | 1.8712% | 3,749 |
| Loan and lease loss provision to assets | -0.1053% | 4,608 |
| Net operating income to assets | 0.9855% | 1,944 |
| Return on assets (ROA) | 0.9855% | 1,939 |
| Pretax return on assets | 1.2196% | 1,737 |
| Return on Equity (ROE) | 11.8535% | 1,362 |
| Retained earnings to average equity (ytd only) | 11.8535% | 626 |
| Net charge-offs to loans | 0.0093% | 1,410 |
| Credit loss provision to net charge-offs | -2,307.6923% | 3,413 |
| Earnings coverage of net charge-offs (x) | 244.1538% | 373 |
| Efficiency ratio | 62.6764% | 3,182 |
| Assets per employee ($millions) | 6.5971% | 2,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2865% | 2,426 |
| Loan loss allowance to noncurrent loans | 618.5436% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.1041% | 3,082 |
| Noncurrent loans to loans | 0.2080% | 2,781 |
| Net loans and leases to total assets | 49.3964% | 3,234 |
| Net loans and leases to deposits | 56.2770% | 3,243 |
| Net loans and leases to core deposits | 57.7733% | 3,317 |
| Total domestic deposits to total assets | 87.7739% | 2,637 |
| Equity capital to assets | 8.2474% | 3,370 |
| Core capital (leverage) ratio | 8.4564% | 3,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3876% | 1,405 |
| Memoranda: | ||
| Average total assets | $1,139,346,500 | 891 |
| Average earning assets | $1,066,897,500 | 881 |
| Average equity | $94,723,000 | 1,026 |
| Average total loans | $558,595,500 | 1,068 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8520% | 4,132 |
| Cost of funding earning assets | 0.1943% | 3,532 |
| Net interest margin | 2.6577% | 3,947 |
| Noninterest income to average assets | 0.6603% | 1,903 |
| Noninterest expense to average assets | 1.9682% | 3,773 |
| Loan and lease loss provision to assets | -0.0593% | 4,399 |
| Net operating income to assets | 1.0028% | 2,654 |
| Return on assets (ROA) | 1.0028% | 2,724 |
| Pretax return on assets | 1.2409% | 2,549 |
| Return on Equity (ROE) | 11.8160% | 1,873 |
| Retained earnings to average equity (ytd only) | 7.3911% | 1,764 |
| Net charge-offs to loans | 0.0002% | 2,701 |
| Credit loss provision to net charge-offs | -65,500.0000% | 4,296 |
| Earnings coverage of net charge-offs (x) | 13,059.0000% | 6 |
| Efficiency ratio | 62.3596% | 2,809 |
| Assets per employee ($millions) | 6.6900% | 2,165 |
| Cash dividends to net income (ytd only)* | 37.4481% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3866% | 1,967 |
| Loan loss allowance to noncurrent loans | 700.1838% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.0951% | 3,270 |
| Noncurrent loans to loans | 0.1980% | 2,956 |
| Net loans and leases to total assets | 47.3575% | 3,559 |
| Net loans and leases to deposits | 53.9613% | 3,602 |
| Net loans and leases to core deposits | 55.4080% | 3,668 |
| Total domestic deposits to total assets | 87.7619% | 2,167 |
| Equity capital to assets | 8.3797% | 4,126 |
| Core capital (leverage) ratio | 8.2108% | 4,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2618% | 1,199 |
| Memoranda: | ||
| Average total assets | $1,105,145,600 | 885 |
| Average earning assets | $1,035,257,800 | 878 |
| Average equity | $93,788,400 | 1,066 |
| Average total loans | $568,907,600 | 1,063 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9106% | 4,154 |
| Cost of funding earning assets | 0.2074% | 3,539 |
| Net interest margin | 2.7032% | 3,966 |
| Noninterest income to average assets | 0.6657% | 1,952 |
| Noninterest expense to average assets | 1.9652% | 3,778 |
| Loan and lease loss provision to assets | -0.0797% | 4,550 |
| Net operating income to assets | 1.0589% | 2,693 |
| Return on assets (ROA) | 1.0589% | 2,761 |
| Pretax return on assets | 1.3120% | 2,593 |
| Return on Equity (ROE) | 12.4367% | 1,888 |
| Retained earnings to average equity (ytd only) | 7.7194% | 2,143 |
| Net charge-offs to loans | -0.0060% | 3,496 |
| Credit loss provision to net charge-offs | 2,519.2308% | 274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3361% | 2,786 |
| Assets per employee ($millions) | 6.2446% | 2,457 |
| Cash dividends to net income (ytd only)* | 37.9310% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3977% | 2,029 |
| Loan loss allowance to noncurrent loans | 579.1667% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.1188% | 3,329 |
| Noncurrent loans to loans | 0.2413% | 2,968 |
| Net loans and leases to total assets | 48.5194% | 3,570 |
| Net loans and leases to deposits | 55.5369% | 3,620 |
| Net loans and leases to core deposits | 57.1050% | 3,696 |
| Total domestic deposits to total assets | 87.3642% | 2,178 |
| Equity capital to assets | 8.5714% | 4,163 |
| Core capital (leverage) ratio | 8.2545% | 4,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5880% | 1,222 |
| Memoranda: | ||
| Average total assets | $1,095,433,500 | 900 |
| Average earning assets | $1,025,973,000 | 892 |
| Average equity | $93,269,750 | 1,082 |
| Average total loans | $573,788,250 | 1,073 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8594% | 4,271 |
| Cost of funding earning assets | 0.2187% | 3,570 |
| Net interest margin | 2.6407% | 4,101 |
| Noninterest income to average assets | 0.6805% | 1,889 |
| Noninterest expense to average assets | 1.9252% | 3,907 |
| Loan and lease loss provision to assets | -0.0816% | 4,585 |
| Net operating income to assets | 1.0566% | 2,691 |
| Return on assets (ROA) | 1.0566% | 2,769 |
| Pretax return on assets | 1.3096% | 2,604 |
| Return on Equity (ROE) | 12.4382% | 1,896 |
| Retained earnings to average equity (ytd only) | 8.5506% | 1,874 |
| Net charge-offs to loans | -0.0158% | 3,881 |
| Credit loss provision to net charge-offs | 967.3913% | 484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9275% | 2,885 |
| Assets per employee ($millions) | 6.4870% | 2,175 |
| Cash dividends to net income (ytd only)* | 31.2554% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4228% | 1,876 |
| Loan loss allowance to noncurrent loans | 282.6633% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.2468% | 2,697 |
| Noncurrent loans to loans | 0.5033% | 2,168 |
| Net loans and leases to total assets | 48.3393% | 3,695 |
| Net loans and leases to deposits | 55.1781% | 3,775 |
| Net loans and leases to core deposits | 56.6663% | 3,848 |
| Total domestic deposits to total assets | 87.6059% | 2,036 |
| Equity capital to assets | 8.3706% | 4,306 |
| Core capital (leverage) ratio | 8.0029% | 4,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9090% | 1,145 |
| Memoranda: | ||
| Average total assets | $1,090,065,000 | 901 |
| Average earning assets | $1,020,705,667 | 891 |
| Average equity | $92,601,667 | 1,083 |
| Average total loans | $582,732,000 | 1,061 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0283% | 4,024 |
| Cost of funding earning assets | 0.2289% | 3,653 |
| Net interest margin | 2.7994% | 3,766 |
| Noninterest income to average assets | 0.6971% | 1,875 |
| Noninterest expense to average assets | 1.9258% | 3,925 |
| Loan and lease loss provision to assets | 0.0112% | 2,631 |
| Net operating income to assets | 1.1110% | 2,436 |
| Return on assets (ROA) | 1.1110% | 2,519 |
| Pretax return on assets | 1.3777% | 2,342 |
| Return on Equity (ROE) | 12.9781% | 1,679 |
| Retained earnings to average equity (ytd only) | 9.0506% | 1,939 |
| Net charge-offs to loans | -0.0228% | 4,060 |
| Credit loss provision to net charge-offs | -88.2353% | 2,816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9736% | 3,304 |
| Assets per employee ($millions) | 6.5294% | 2,157 |
| Cash dividends to net income (ytd only)* | 30.2623% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4273% | 1,850 |
| Loan loss allowance to noncurrent loans | 269.9255% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.2783% | 2,759 |
| Noncurrent loans to loans | 0.5288% | 2,266 |
| Net loans and leases to total assets | 51.8767% | 3,458 |
| Net loans and leases to deposits | 59.2994% | 3,541 |
| Net loans and leases to core deposits | 60.8736% | 3,649 |
| Total domestic deposits to total assets | 87.4826% | 2,099 |
| Equity capital to assets | 8.2236% | 4,342 |
| Core capital (leverage) ratio | 8.3769% | 4,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5527% | 1,156 |
| Memoranda: | ||
| Average total assets | $1,070,732,500 | 906 |
| Average earning assets | $1,001,209,500 | 896 |
| Average equity | $91,662,000 | 1,087 |
| Average total loans | $597,350,500 | 1,040 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6202% | 3,757 |
| Cost of funding earning assets | 0.3395% | 3,927 |
| Net interest margin | 3.2807% | 3,124 |
| Noninterest income to average assets | 0.7515% | 1,683 |
| Noninterest expense to average assets | 2.1660% | 3,768 |
| Loan and lease loss provision to assets | 0.1789% | 2,156 |
| Net operating income to assets | 1.1758% | 1,626 |
| Return on assets (ROA) | 1.1758% | 1,740 |
| Pretax return on assets | 1.4581% | 1,480 |
| Return on Equity (ROE) | 12.3397% | 1,223 |
| Retained earnings to average equity (ytd only) | 7.6300% | 1,162 |
| Net charge-offs to loans | 0.0658% | 1,841 |
| Credit loss provision to net charge-offs | 419.8473% | 1,389 |
| Earnings coverage of net charge-offs (x) | 38.4249% | 1,419 |
| Efficiency ratio | 56.7882% | 3,886 |
| Assets per employee ($millions) | 6.0320% | 2,312 |
| Cash dividends to net income (ytd only)* | 38.1672% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3552% | 2,167 |
| Loan loss allowance to noncurrent loans | 183.9893% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.4360% | 2,273 |
| Noncurrent loans to loans | 0.7366% | 1,862 |
| Net loans and leases to total assets | 58.3885% | 3,045 |
| Net loans and leases to deposits | 67.4280% | 3,139 |
| Net loans and leases to core deposits | 69.2403% | 3,311 |
| Total domestic deposits to total assets | 86.5939% | 2,114 |
| Equity capital to assets | 8.9234% | 4,125 |
| Core capital (leverage) ratio | 8.5197% | 4,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6081% | 1,377 |
| Memoranda: | ||
| Average total assets | $922,524,000 | 948 |
| Average earning assets | $858,049,600 | 941 |
| Average equity | $87,903,000 | 1,078 |
| Average total loans | $597,283,400 | 982 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7296% | 3,729 |
| Cost of funding earning assets | 0.3677% | 3,959 |
| Net interest margin | 3.3619% | 3,018 |
| Noninterest income to average assets | 0.7221% | 1,731 |
| Noninterest expense to average assets | 2.1631% | 3,772 |
| Loan and lease loss provision to assets | 0.1894% | 2,093 |
| Net operating income to assets | 1.2030% | 1,624 |
| Return on assets (ROA) | 1.2030% | 1,751 |
| Pretax return on assets | 1.4921% | 1,465 |
| Return on Equity (ROE) | 12.3986% | 1,276 |
| Retained earnings to average equity (ytd only) | 6.0443% | 2,090 |
| Net charge-offs to loans | -0.0148% | 4,328 |
| Credit loss provision to net charge-offs | -1,927.2727% | 4,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0892% | 3,912 |
| Assets per employee ($millions) | 5.8449% | 2,398 |
| Cash dividends to net income (ytd only)* | 51.2503% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3271% | 2,052 |
| Loan loss allowance to noncurrent loans | 203.7308% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.4152% | 2,506 |
| Noncurrent loans to loans | 0.6514% | 2,160 |
| Net loans and leases to total assets | 62.8902% | 2,899 |
| Net loans and leases to deposits | 73.6097% | 2,993 |
| Net loans and leases to core deposits | 75.7810% | 3,187 |
| Total domestic deposits to total assets | 85.4374% | 2,272 |
| Equity capital to assets | 9.0255% | 4,101 |
| Core capital (leverage) ratio | 8.5778% | 4,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5360% | 1,362 |
| Memoranda: | ||
| Average total assets | $895,286,250 | 954 |
| Average earning assets | $831,532,750 | 954 |
| Average equity | $86,868,000 | 1,080 |
| Average total loans | $593,970,000 | 980 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8821% | 3,669 |
| Cost of funding earning assets | 0.4045% | 4,020 |
| Net interest margin | 3.4776% | 2,865 |
| Noninterest income to average assets | 0.6915% | 1,773 |
| Noninterest expense to average assets | 2.2049% | 3,769 |
| Loan and lease loss provision to assets | 0.2071% | 1,983 |
| Net operating income to assets | 1.2116% | 1,611 |
| Return on assets (ROA) | 1.2116% | 1,731 |
| Pretax return on assets | 1.5018% | 1,454 |
| Return on Equity (ROE) | 12.1640% | 1,294 |
| Retained earnings to average equity (ytd only) | 4.4526% | 2,728 |
| Net charge-offs to loans | 0.0265% | 2,191 |
| Credit loss provision to net charge-offs | 1,162.3377% | 717 |
| Earnings coverage of net charge-offs (x) | 95.9221% | 715 |
| Efficiency ratio | 56.1598% | 3,923 |
| Assets per employee ($millions) | 5.7102% | 2,435 |
| Cash dividends to net income (ytd only)* | 63.3951% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2271% | 2,366 |
| Loan loss allowance to noncurrent loans | 178.7996% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 0.4642% | 2,465 |
| Noncurrent loans to loans | 0.6863% | 2,156 |
| Net loans and leases to total assets | 65.3495% | 2,717 |
| Net loans and leases to deposits | 76.9784% | 2,761 |
| Net loans and leases to core deposits | 79.2252% | 3,007 |
| Total domestic deposits to total assets | 84.8932% | 2,437 |
| Equity capital to assets | 9.0440% | 4,053 |
| Core capital (leverage) ratio | 8.9851% | 3,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8702% | 1,526 |
| Memoranda: | ||
| Average total assets | $864,454,667 | 971 |
| Average earning assets | $800,953,000 | 969 |
| Average equity | $86,106,667 | 1,076 |
| Average total loans | $582,102,667 | 986 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1642% | 3,339 |
| Cost of funding earning assets | 0.4800% | 4,030 |
| Net interest margin | 3.6841% | 2,379 |
| Noninterest income to average assets | 0.6662% | 1,780 |
| Noninterest expense to average assets | 2.4054% | 3,531 |
| Loan and lease loss provision to assets | 0.0875% | 2,595 |
| Net operating income to assets | 1.2676% | 1,337 |
| Return on assets (ROA) | 1.2676% | 1,431 |
| Pretax return on assets | 1.5707% | 1,133 |
| Return on Equity (ROE) | 12.0671% | 1,088 |
| Retained earnings to average equity (ytd only) | 8.2365% | 1,161 |
| Net charge-offs to loans | 0.0542% | 1,470 |
| Credit loss provision to net charge-offs | 237.3333% | 1,324 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 965 |
| Efficiency ratio | 59.0134% | 3,867 |
| Assets per employee ($millions) | 4.7086% | 2,979 |
| Cash dividends to net income (ytd only)* | 31.7442% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2816% | 2,232 |
| Loan loss allowance to noncurrent loans | 162.9664% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.5517% | 2,340 |
| Noncurrent loans to loans | 0.7864% | 2,043 |
| Net loans and leases to total assets | 67.7209% | 2,584 |
| Net loans and leases to deposits | 81.5194% | 2,520 |
| Net loans and leases to core deposits | 84.3397% | 2,822 |
| Total domestic deposits to total assets | 83.0734% | 3,086 |
| Equity capital to assets | 10.6956% | 3,142 |
| Core capital (leverage) ratio | 10.0739% | 3,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5612% | 1,737 |
| Memoranda: | ||
| Average total assets | $814,167,000 | 992 |
| Average earning assets | $750,789,000 | 988 |
| Average equity | $85,521,500 | 1,077 |
| Average total loans | $553,915,500 | 1,004 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6091% | 2,573 |
| Cost of funding earning assets | 0.5768% | 3,735 |
| Net interest margin | 4.0323% | 1,740 |
| Noninterest income to average assets | 0.7092% | 1,781 |
| Noninterest expense to average assets | 2.5400% | 3,349 |
| Loan and lease loss provision to assets | 0.1492% | 1,433 |
| Net operating income to assets | 1.3982% | 1,349 |
| Return on assets (ROA) | 1.3982% | 1,420 |
| Pretax return on assets | 1.7354% | 1,094 |
| Return on Equity (ROE) | 13.3362% | 1,064 |
| Retained earnings to average equity (ytd only) | 9.3800% | 621 |
| Net charge-offs to loans | 0.0054% | 3,483 |
| Credit loss provision to net charge-offs | 3,800.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 480.1000% | 196 |
| Efficiency ratio | 57.2214% | 4,056 |
| Assets per employee ($millions) | 4.7863% | 2,855 |
| Cash dividends to net income (ytd only)* | 29.6650% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 2,063 |
| Loan loss allowance to noncurrent loans | 154.5935% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.5667% | 2,188 |
| Noncurrent loans to loans | 0.8219% | 1,862 |
| Net loans and leases to total assets | 66.6178% | 2,883 |
| Net loans and leases to deposits | 79.6646% | 2,817 |
| Net loans and leases to core deposits | 82.4389% | 3,086 |
| Total domestic deposits to total assets | 83.6228% | 2,990 |
| Equity capital to assets | 10.3148% | 3,619 |
| Core capital (leverage) ratio | 9.8514% | 3,677 |
| Tier 1 risk-based capital ratio | 14.0714% | 3,231 |
| Total risk-based capital ratio | 15.3145% | 3,145 |
| Memoranda: | ||
| Average total assets | $764,279,800 | 1,013 |
| Average earning assets | $704,208,800 | 1,009 |
| Average equity | $80,127,800 | 1,094 |
| Average total loans | $553,466,000 | 975 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6958% | 2,430 |
| Cost of funding earning assets | 0.5942% | 3,727 |
| Net interest margin | 4.1016% | 1,605 |
| Noninterest income to average assets | 0.7049% | 1,764 |
| Noninterest expense to average assets | 2.5660% | 3,253 |
| Loan and lease loss provision to assets | 0.1518% | 1,243 |
| Net operating income to assets | 1.4215% | 1,407 |
| Return on assets (ROA) | 1.4215% | 1,463 |
| Pretax return on assets | 1.7643% | 1,170 |
| Return on Equity (ROE) | 13.4992% | 1,114 |
| Retained earnings to average equity (ytd only) | 9.5358% | 886 |
| Net charge-offs to loans | -0.0034% | 4,129 |
| Credit loss provision to net charge-offs | -6,107.1429% | 4,650 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0630% | 4,057 |
| Assets per employee ($millions) | 4.4948% | 3,215 |
| Cash dividends to net income (ytd only)* | 29.3604% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 2,535 |
| Loan loss allowance to noncurrent loans | 153.3379% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.5744% | 2,283 |
| Noncurrent loans to loans | 0.7799% | 2,012 |
| Net loans and leases to total assets | 71.1718% | 2,296 |
| Net loans and leases to deposits | 84.8500% | 2,336 |
| Net loans and leases to core deposits | 87.7870% | 2,753 |
| Total domestic deposits to total assets | 83.8796% | 2,865 |
| Equity capital to assets | 10.4911% | 3,546 |
| Core capital (leverage) ratio | 10.1039% | 3,529 |
| Tier 1 risk-based capital ratio | 13.7266% | 3,466 |
| Total risk-based capital ratio | 14.9260% | 3,397 |
| Memoranda: | ||
| Average total assets | $750,735,500 | 1,027 |
| Average earning assets | $691,355,500 | 1,018 |
| Average equity | $79,054,250 | 1,098 |
| Average total loans | $553,768,750 | 972 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7270% | 2,280 |
| Cost of funding earning assets | 0.5897% | 3,706 |
| Net interest margin | 4.1373% | 1,502 |
| Noninterest income to average assets | 0.6857% | 1,777 |
| Noninterest expense to average assets | 2.5699% | 3,274 |
| Loan and lease loss provision to assets | 0.1543% | 1,179 |
| Net operating income to assets | 1.4286% | 1,349 |
| Return on assets (ROA) | 1.4286% | 1,400 |
| Pretax return on assets | 1.7735% | 1,101 |
| Return on Equity (ROE) | 13.5485% | 1,089 |
| Retained earnings to average equity (ytd only) | 9.6203% | 873 |
| Net charge-offs to loans | -0.0218% | 4,564 |
| Credit loss provision to net charge-offs | -950.0000% | 4,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9459% | 4,140 |
| Assets per employee ($millions) | 4.3107% | 3,417 |
| Cash dividends to net income (ytd only)* | 28.9937% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1863% | 2,600 |
| Loan loss allowance to noncurrent loans | 145.3636% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 0.6127% | 2,193 |
| Noncurrent loans to loans | 0.8161% | 1,958 |
| Net loans and leases to total assets | 72.5914% | 2,136 |
| Net loans and leases to deposits | 87.1258% | 2,117 |
| Net loans and leases to core deposits | 90.2192% | 2,579 |
| Total domestic deposits to total assets | 83.3179% | 3,110 |
| Equity capital to assets | 10.7173% | 3,329 |
| Core capital (leverage) ratio | 10.2129% | 3,373 |
| Tier 1 risk-based capital ratio | 13.8277% | 3,409 |
| Total risk-based capital ratio | 15.0230% | 3,330 |
| Memoranda: | ||
| Average total assets | $738,781,330 | 1,036 |
| Average earning assets | $680,681,330 | 1,030 |
| Average equity | $77,898,000 | 1,109 |
| Average total loans | $549,487,670 | 984 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7228% | 2,147 |
| Cost of funding earning assets | 0.5673% | 3,749 |
| Net interest margin | 4.1555% | 1,418 |
| Noninterest income to average assets | 0.6645% | 1,755 |
| Noninterest expense to average assets | 2.5523% | 3,363 |
| Loan and lease loss provision to assets | 0.1555% | 1,076 |
| Net operating income to assets | 1.4317% | 1,291 |
| Return on assets (ROA) | 1.4317% | 1,321 |
| Pretax return on assets | 1.7814% | 1,014 |
| Return on Equity (ROE) | 13.6928% | 1,032 |
| Retained earnings to average equity (ytd only) | 9.7008% | 1,105 |
| Net charge-offs to loans | -0.0693% | 4,927 |
| Credit loss provision to net charge-offs | -300.0000% | 3,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6602% | 4,254 |
| Assets per employee ($millions) | 4.2224% | 3,592 |
| Cash dividends to net income (ytd only)* | 29.1540% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1465% | 2,875 |
| Loan loss allowance to noncurrent loans | 197.2083% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.4474% | 2,809 |
| Noncurrent loans to loans | 0.5814% | 2,594 |
| Net loans and leases to total assets | 73.7817% | 1,847 |
| Net loans and leases to deposits | 89.0087% | 1,747 |
| Net loans and leases to core deposits | 91.9312% | 2,305 |
| Total domestic deposits to total assets | 82.8927% | 3,420 |
| Equity capital to assets | 10.6010% | 3,253 |
| Core capital (leverage) ratio | 10.1592% | 3,429 |
| Tier 1 risk-based capital ratio | 13.5997% | 3,556 |
| Total risk-based capital ratio | 14.7595% | 3,509 |
| Memoranda: | ||
| Average total assets | $733,138,500 | 1,045 |
| Average earning assets | $674,771,500 | 1,040 |
| Average equity | $76,653,500 | 1,117 |
| Average total loans | $548,721,000 | 989 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4815% | 2,516 |
| Cost of funding earning assets | 0.4364% | 3,764 |
| Net interest margin | 4.0451% | 1,847 |
| Noninterest income to average assets | 0.6684% | 1,970 |
| Noninterest expense to average assets | 2.5436% | 3,493 |
| Loan and lease loss provision to assets | 0.1842% | 1,054 |
| Net operating income to assets | 1.3573% | 1,586 |
| Return on assets (ROA) | 1.3573% | 1,576 |
| Pretax return on assets | 1.6847% | 1,204 |
| Return on Equity (ROE) | 13.5170% | 1,167 |
| Retained earnings to average equity (ytd only) | 9.5234% | 732 |
| Net charge-offs to loans | 0.1899% | 1,008 |
| Credit loss provision to net charge-offs | 129.9112% | 2,033 |
| Earnings coverage of net charge-offs (x) | 13.1807% | 2,480 |
| Efficiency ratio | 57.3246% | 4,242 |
| Assets per employee ($millions) | 4.3034% | 3,456 |
| Cash dividends to net income (ytd only)* | 29.5452% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0758% | 3,240 |
| Loan loss allowance to noncurrent loans | 177.4407% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.4686% | 2,691 |
| Noncurrent loans to loans | 0.6063% | 2,461 |
| Net loans and leases to total assets | 74.2469% | 1,902 |
| Net loans and leases to deposits | 89.4162% | 1,874 |
| Net loans and leases to core deposits | 92.1390% | 2,391 |
| Total domestic deposits to total assets | 83.0352% | 3,316 |
| Equity capital to assets | 10.3095% | 3,365 |
| Core capital (leverage) ratio | 9.9142% | 3,684 |
| Tier 1 risk-based capital ratio | 13.2337% | 3,699 |
| Total risk-based capital ratio | 14.3218% | 3,693 |
| Memoranda: | ||
| Average total assets | $714,420,200 | 1,044 |
| Average earning assets | $661,274,600 | 1,039 |
| Average equity | $71,739,200 | 1,140 |
| Average total loans | $533,572,600 | 977 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4259% | 2,545 |
| Cost of funding earning assets | 0.4097% | 3,791 |
| Net interest margin | 4.0161% | 1,910 |
| Noninterest income to average assets | 0.6573% | 2,037 |
| Noninterest expense to average assets | 2.5474% | 3,450 |
| Loan and lease loss provision to assets | 0.1825% | 998 |
| Net operating income to assets | 1.3344% | 1,723 |
| Return on assets (ROA) | 1.3344% | 1,733 |
| Pretax return on assets | 1.6524% | 1,405 |
| Return on Equity (ROE) | 13.3803% | 1,305 |
| Retained earnings to average equity (ytd only) | 9.4267% | 1,065 |
| Net charge-offs to loans | 0.0936% | 1,559 |
| Credit loss provision to net charge-offs | 261.2903% | 1,134 |
| Earnings coverage of net charge-offs (x) | 26.2714% | 1,751 |
| Efficiency ratio | 57.8039% | 4,154 |
| Assets per employee ($millions) | 4.0843% | 3,759 |
| Cash dividends to net income (ytd only)* | 29.5483% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1583% | 2,857 |
| Loan loss allowance to noncurrent loans | 116.1580% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 0.7515% | 1,972 |
| Noncurrent loans to loans | 0.9972% | 1,708 |
| Net loans and leases to total assets | 74.4942% | 1,903 |
| Net loans and leases to deposits | 89.8563% | 1,923 |
| Net loans and leases to core deposits | 92.7079% | 2,416 |
| Total domestic deposits to total assets | 82.9037% | 3,341 |
| Equity capital to assets | 10.2320% | 3,418 |
| Core capital (leverage) ratio | 9.7702% | 3,877 |
| Tier 1 risk-based capital ratio | 13.1265% | 3,834 |
| Total risk-based capital ratio | 14.2899% | 3,793 |
| Memoranda: | ||
| Average total assets | $710,130,500 | 1,045 |
| Average earning assets | $658,658,000 | 1,042 |
| Average equity | $70,818,500 | 1,150 |
| Average total loans | $529,695,250 | 985 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3373% | 2,636 |
| Cost of funding earning assets | 0.3800% | 3,870 |
| Net interest margin | 3.9574% | 2,010 |
| Noninterest income to average assets | 0.6533% | 2,077 |
| Noninterest expense to average assets | 2.5314% | 3,545 |
| Loan and lease loss provision to assets | 0.1825% | 980 |
| Net operating income to assets | 1.3032% | 1,760 |
| Return on assets (ROA) | 1.3032% | 1,756 |
| Pretax return on assets | 1.6128% | 1,461 |
| Return on Equity (ROE) | 13.1821% | 1,307 |
| Retained earnings to average equity (ytd only) | 9.1927% | 1,156 |
| Net charge-offs to loans | 0.1266% | 1,169 |
| Credit loss provision to net charge-offs | 194.0120% | 1,332 |
| Earnings coverage of net charge-offs (x) | 19.0808% | 1,867 |
| Efficiency ratio | 58.1809% | 4,202 |
| Assets per employee ($millions) | 4.1558% | 3,647 |
| Cash dividends to net income (ytd only)* | 30.2637% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1051% | 3,228 |
| Loan loss allowance to noncurrent loans | 134.5306% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 0.6083% | 2,400 |
| Noncurrent loans to loans | 0.8214% | 2,082 |
| Net loans and leases to total assets | 73.2397% | 2,085 |
| Net loans and leases to deposits | 88.7525% | 2,015 |
| Net loans and leases to core deposits | 91.4394% | 2,445 |
| Total domestic deposits to total assets | 82.5214% | 3,557 |
| Equity capital to assets | 9.8753% | 3,744 |
| Core capital (leverage) ratio | 9.5778% | 4,018 |
| Tier 1 risk-based capital ratio | 12.6615% | 4,091 |
| Total risk-based capital ratio | 13.7603% | 4,075 |
| Memoranda: | ||
| Average total assets | $709,949,000 | 1,048 |
| Average earning assets | $659,023,000 | 1,044 |
| Average equity | $70,186,000 | 1,154 |
| Average total loans | $527,721,670 | 989 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2544% | 2,692 |
| Cost of funding earning assets | 0.3429% | 4,042 |
| Net interest margin | 3.9115% | 1,996 |
| Noninterest income to average assets | 0.6489% | 2,035 |
| Noninterest expense to average assets | 2.5176% | 3,590 |
| Loan and lease loss provision to assets | 0.1843% | 925 |
| Net operating income to assets | 1.2779% | 1,718 |
| Return on assets (ROA) | 1.2779% | 1,723 |
| Pretax return on assets | 1.5798% | 1,452 |
| Return on Equity (ROE) | 12.9186% | 1,289 |
| Retained earnings to average equity (ytd only) | 8.8941% | 1,500 |
| Net charge-offs to loans | 0.2253% | 668 |
| Credit loss provision to net charge-offs | 109.8305% | 1,457 |
| Earnings coverage of net charge-offs (x) | 10.5153% | 1,896 |
| Efficiency ratio | 58.4673% | 4,287 |
| Assets per employee ($millions) | 4.0925% | 3,816 |
| Cash dividends to net income (ytd only)* | 31.1526% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0617% | 3,592 |
| Loan loss allowance to noncurrent loans | 122.4033% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 0.6605% | 2,343 |
| Noncurrent loans to loans | 0.8674% | 2,086 |
| Net loans and leases to total assets | 75.0096% | 1,703 |
| Net loans and leases to deposits | 90.7993% | 1,583 |
| Net loans and leases to core deposits | 93.5501% | 2,173 |
| Total domestic deposits to total assets | 82.6103% | 3,786 |
| Equity capital to assets | 9.9795% | 3,616 |
| Core capital (leverage) ratio | 9.5585% | 4,003 |
| Tier 1 risk-based capital ratio | 12.3950% | 4,311 |
| Total risk-based capital ratio | 13.4452% | 4,335 |
| Memoranda: | ||
| Average total assets | $703,365,000 | 1,063 |
| Average earning assets | $653,247,500 | 1,061 |
| Average equity | $69,574,000 | 1,176 |
| Average total loans | $523,819,000 | 1,003 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1172% | 2,998 |
| Cost of funding earning assets | 0.3096% | 4,045 |
| Net interest margin | 3.8076% | 2,400 |
| Noninterest income to average assets | 0.6266% | 2,324 |
| Noninterest expense to average assets | 2.4495% | 3,939 |
| Loan and lease loss provision to assets | 0.1653% | 1,333 |
| Net operating income to assets | 1.0575% | 2,030 |
| Return on assets (ROA) | 1.0575% | 2,049 |
| Pretax return on assets | 1.5416% | 1,482 |
| Return on Equity (ROE) | 10.9157% | 1,517 |
| Retained earnings to average equity (ytd only) | 7.0412% | 1,059 |
| Net charge-offs to loans | 0.1675% | 1,470 |
| Credit loss provision to net charge-offs | 137.6202% | 1,924 |
| Earnings coverage of net charge-offs (x) | 14.2103% | 2,344 |
| Efficiency ratio | 58.5342% | 4,469 |
| Assets per employee ($millions) | 4.0395% | 3,900 |
| Cash dividends to net income (ytd only)* | 35.4949% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0838% | 3,430 |
| Loan loss allowance to noncurrent loans | 85.9246% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 0.9226% | 1,674 |
| Noncurrent loans to loans | 1.2613% | 1,395 |
| Net loans and leases to total assets | 72.3528% | 2,170 |
| Net loans and leases to deposits | 87.5409% | 2,072 |
| Net loans and leases to core deposits | 89.3807% | 2,621 |
| Total domestic deposits to total assets | 82.6502% | 3,675 |
| Equity capital to assets | 9.8046% | 3,913 |
| Core capital (leverage) ratio | 9.1529% | 4,455 |
| Tier 1 risk-based capital ratio | 12.4864% | 4,213 |
| Total risk-based capital ratio | 13.5635% | 4,229 |
| Memoranda: | ||
| Average total assets | $692,670,800 | 1,053 |
| Average earning assets | $642,142,000 | 1,045 |
| Average equity | $67,105,400 | 1,189 |
| Average total loans | $496,624,200 | 1,037 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0517% | 3,172 |
| Cost of funding earning assets | 0.2939% | 4,186 |
| Net interest margin | 3.7577% | 2,545 |
| Noninterest income to average assets | 0.6230% | 2,346 |
| Noninterest expense to average assets | 2.3941% | 4,033 |
| Loan and lease loss provision to assets | 0.1867% | 1,048 |
| Net operating income to assets | 1.0607% | 2,283 |
| Return on assets (ROA) | 1.0607% | 2,315 |
| Pretax return on assets | 1.5275% | 1,674 |
| Return on Equity (ROE) | 10.9822% | 1,707 |
| Retained earnings to average equity (ytd only) | 7.1258% | 1,629 |
| Net charge-offs to loans | 0.2224% | 974 |
| Credit loss provision to net charge-offs | 117.6829% | 2,037 |
| Earnings coverage of net charge-offs (x) | 10.8048% | 2,555 |
| Efficiency ratio | 57.8647% | 4,522 |
| Assets per employee ($millions) | 4.2048% | 3,633 |
| Cash dividends to net income (ytd only)* | 35.1149% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0647% | 3,703 |
| Loan loss allowance to noncurrent loans | 110.2637% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 0.6938% | 2,425 |
| Noncurrent loans to loans | 0.9656% | 1,995 |
| Net loans and leases to total assets | 71.0847% | 2,396 |
| Net loans and leases to deposits | 88.1186% | 2,040 |
| Net loans and leases to core deposits | 90.2805% | 2,584 |
| Total domestic deposits to total assets | 80.6694% | 4,148 |
| Equity capital to assets | 9.6572% | 4,286 |
| Core capital (leverage) ratio | 9.1509% | 4,565 |
| Tier 1 risk-based capital ratio | 12.3590% | 4,403 |
| Total risk-based capital ratio | 13.4146% | 4,414 |
| Memoranda: | ||
| Average total assets | $689,110,000 | 1,063 |
| Average earning assets | $639,163,250 | 1,055 |
| Average equity | $66,554,250 | 1,203 |
| Average total loans | $491,511,250 | 1,048 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0029% | 3,195 |
| Cost of funding earning assets | 0.2679% | 4,390 |
| Net interest margin | 3.7351% | 2,532 |
| Noninterest income to average assets | 0.6352% | 2,288 |
| Noninterest expense to average assets | 2.3917% | 4,071 |
| Loan and lease loss provision to assets | 0.2009% | 913 |
| Net operating income to assets | 1.0479% | 2,216 |
| Return on assets (ROA) | 1.0479% | 2,258 |
| Pretax return on assets | 1.5066% | 1,608 |
| Return on Equity (ROE) | 10.8496% | 1,698 |
| Retained earnings to average equity (ytd only) | 7.0539% | 1,573 |
| Net charge-offs to loans | -0.1290% | 5,485 |
| Credit loss provision to net charge-offs | -218.8498% | 4,489 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9309% | 4,598 |
| Assets per employee ($millions) | 4.1224% | 3,745 |
| Cash dividends to net income (ytd only)* | 34.9846% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2602% | 2,623 |
| Loan loss allowance to noncurrent loans | 104.1915% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 0.8664% | 2,041 |
| Noncurrent loans to loans | 1.2095% | 1,611 |
| Net loans and leases to total assets | 70.7295% | 2,410 |
| Net loans and leases to deposits | 89.8141% | 1,750 |
| Net loans and leases to core deposits | 92.0257% | 2,334 |
| Total domestic deposits to total assets | 78.7509% | 4,679 |
| Equity capital to assets | 9.6949% | 4,230 |
| Core capital (leverage) ratio | 9.1689% | 4,531 |
| Tier 1 risk-based capital ratio | 12.2314% | 4,478 |
| Total risk-based capital ratio | 13.4646% | 4,364 |
| Memoranda: | ||
| Average total assets | $681,945,670 | 1,076 |
| Average earning assets | $632,436,670 | 1,072 |
| Average equity | $65,864,330 | 1,217 |
| Average total loans | $485,159,670 | 1,061 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9941% | 3,059 |
| Cost of funding earning assets | 0.2456% | 4,574 |
| Net interest margin | 3.7485% | 2,320 |
| Noninterest income to average assets | 0.6552% | 2,152 |
| Noninterest expense to average assets | 2.6915% | 3,176 |
| Loan and lease loss provision to assets | -0.0949% | 5,747 |
| Net operating income to assets | 1.0673% | 2,000 |
| Return on assets (ROA) | 1.0673% | 2,044 |
| Pretax return on assets | 1.5346% | 1,432 |
| Return on Equity (ROE) | 11.0727% | 1,536 |
| Retained earnings to average equity (ytd only) | 7.2280% | 1,773 |
| Net charge-offs to loans | -0.2702% | 5,672 |
| Credit loss provision to net charge-offs | 49.5356% | 1,991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7337% | 3,706 |
| Assets per employee ($millions) | 4.1421% | 3,774 |
| Cash dividends to net income (ytd only)* | 34.7222% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1340% | 3,494 |
| Loan loss allowance to noncurrent loans | 111.1021% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 0.7227% | 2,487 |
| Noncurrent loans to loans | 1.0206% | 2,012 |
| Net loans and leases to total assets | 70.0011% | 2,377 |
| Net loans and leases to deposits | 87.4524% | 1,867 |
| Net loans and leases to core deposits | 89.7395% | 2,372 |
| Total domestic deposits to total assets | 80.0448% | 4,609 |
| Equity capital to assets | 9.6830% | 4,082 |
| Core capital (leverage) ratio | 9.2520% | 4,412 |
| Tier 1 risk-based capital ratio | 12.5130% | 4,382 |
| Total risk-based capital ratio | 13.7389% | 4,302 |
| Memoranda: | ||
| Average total assets | $674,571,500 | 1,087 |
| Average earning assets | $625,524,000 | 1,080 |
| Average equity | $65,024,500 | 1,226 |
| Average total loans | $478,211,000 | 1,070 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9089% | 3,541 |
| Cost of funding earning assets | 0.2437% | 4,622 |
| Net interest margin | 3.6653% | 2,840 |
| Noninterest income to average assets | 0.6714% | 2,313 |
| Noninterest expense to average assets | 2.4462% | 4,176 |
| Loan and lease loss provision to assets | 0.0756% | 2,846 |
| Net operating income to assets | 1.0715% | 2,029 |
| Return on assets (ROA) | 1.0716% | 2,135 |
| Pretax return on assets | 1.5469% | 1,441 |
| Return on Equity (ROE) | 11.1244% | 1,539 |
| Retained earnings to average equity (ytd only) | 7.2247% | 1,144 |
| Net charge-offs to loans | -0.0303% | 5,247 |
| Credit loss provision to net charge-offs | -362.5000% | 5,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6699% | 4,633 |
| Assets per employee ($millions) | 4.0596% | 3,849 |
| Cash dividends to net income (ytd only)* | 35.0551% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1128% | 3,636 |
| Loan loss allowance to noncurrent loans | 314.1924% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.2514% | 4,301 |
| Noncurrent loans to loans | 0.3542% | 3,863 |
| Net loans and leases to total assets | 70.1895% | 2,434 |
| Net loans and leases to deposits | 86.7919% | 2,074 |
| Net loans and leases to core deposits | 88.9432% | 2,590 |
| Total domestic deposits to total assets | 80.8710% | 4,363 |
| Equity capital to assets | 9.5951% | 4,174 |
| Core capital (leverage) ratio | 9.1352% | 4,575 |
| Tier 1 risk-based capital ratio | 12.3563% | 4,471 |
| Total risk-based capital ratio | 13.4454% | 4,459 |
| Memoranda: | ||
| Average total assets | $652,226,800 | 1,091 |
| Average earning assets | $604,514,000 | 1,076 |
| Average equity | $62,825,800 | 1,244 |
| Average total loans | $449,308,200 | 1,093 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8497% | 3,770 |
| Cost of funding earning assets | 0.2463% | 4,639 |
| Net interest margin | 3.6035% | 3,063 |
| Noninterest income to average assets | 0.6541% | 2,398 |
| Noninterest expense to average assets | 2.4220% | 4,219 |
| Loan and lease loss provision to assets | 0.1015% | 2,215 |
| Net operating income to assets | 1.0213% | 2,324 |
| Return on assets (ROA) | 1.0214% | 2,459 |
| Pretax return on assets | 1.4703% | 1,806 |
| Return on Equity (ROE) | 10.5935% | 1,829 |
| Retained earnings to average equity (ytd only) | 6.6981% | 1,786 |
| Net charge-offs to loans | 0.0461% | 2,726 |
| Credit loss provision to net charge-offs | 322.2222% | 979 |
| Earnings coverage of net charge-offs (x) | 49.9097% | 1,073 |
| Efficiency ratio | 60.1783% | 4,517 |
| Assets per employee ($millions) | 3.9652% | 4,024 |
| Cash dividends to net income (ytd only)* | 36.7721% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0793% | 3,953 |
| Loan loss allowance to noncurrent loans | 177.6278% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.4355% | 3,684 |
| Noncurrent loans to loans | 0.6076% | 3,193 |
| Net loans and leases to total assets | 70.0715% | 2,477 |
| Net loans and leases to deposits | 87.5396% | 2,075 |
| Net loans and leases to core deposits | 90.0428% | 2,571 |
| Total domestic deposits to total assets | 80.0455% | 4,504 |
| Equity capital to assets | 9.8758% | 4,272 |
| Core capital (leverage) ratio | 9.0827% | 4,739 |
| Tier 1 risk-based capital ratio | 12.2169% | 4,664 |
| Total risk-based capital ratio | 13.2589% | 4,686 |
| Memoranda: | ||
| Average total assets | $647,823,250 | 1,100 |
| Average earning assets | $600,371,500 | 1,090 |
| Average equity | $62,464,250 | 1,260 |
| Average total loans | $442,773,000 | 1,106 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8373% | 3,815 |
| Cost of funding earning assets | 0.2485% | 4,674 |
| Net interest margin | 3.5888% | 3,141 |
| Noninterest income to average assets | 0.6471% | 2,383 |
| Noninterest expense to average assets | 2.4272% | 4,245 |
| Loan and lease loss provision to assets | 0.1019% | 2,147 |
| Net operating income to assets | 1.0011% | 2,396 |
| Return on assets (ROA) | 1.0011% | 2,530 |
| Pretax return on assets | 1.4416% | 1,871 |
| Return on Equity (ROE) | 10.4684% | 1,864 |
| Retained earnings to average equity (ytd only) | 6.5816% | 1,828 |
| Net charge-offs to loans | -0.0757% | 5,529 |
| Credit loss provision to net charge-offs | -199.3939% | 4,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6600% | 4,555 |
| Assets per employee ($millions) | 3.9142% | 4,071 |
| Cash dividends to net income (ytd only)* | 37.1287% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1429% | 3,700 |
| Loan loss allowance to noncurrent loans | 188.5881% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.4318% | 3,781 |
| Noncurrent loans to loans | 0.6060% | 3,253 |
| Net loans and leases to total assets | 68.6377% | 2,687 |
| Net loans and leases to deposits | 86.1116% | 2,239 |
| Net loans and leases to core deposits | 88.6014% | 2,673 |
| Total domestic deposits to total assets | 79.7079% | 4,624 |
| Equity capital to assets | 9.7442% | 4,516 |
| Core capital (leverage) ratio | 8.9980% | 4,833 |
| Tier 1 risk-based capital ratio | 11.9980% | 4,830 |
| Total risk-based capital ratio | 13.0736% | 4,838 |
| Memoranda: | ||
| Average total assets | $645,676,670 | 1,105 |
| Average earning assets | $597,971,330 | 1,097 |
| Average equity | $61,747,670 | 1,273 |
| Average total loans | $435,879,330 | 1,121 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7938% | 3,964 |
| Cost of funding earning assets | 0.2520% | 4,683 |
| Net interest margin | 3.5418% | 3,315 |
| Noninterest income to average assets | 0.6165% | 2,434 |
| Noninterest expense to average assets | 2.4001% | 4,374 |
| Loan and lease loss provision to assets | 0.1019% | 1,998 |
| Net operating income to assets | 0.9714% | 2,406 |
| Return on assets (ROA) | 0.9714% | 2,519 |
| Pretax return on assets | 1.3983% | 1,911 |
| Return on Equity (ROE) | 10.2551% | 1,872 |
| Retained earnings to average equity (ytd only) | 6.3184% | 2,225 |
| Net charge-offs to loans | -0.1672% | 5,800 |
| Credit loss provision to net charge-offs | -91.6201% | 4,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0580% | 4,592 |
| Assets per employee ($millions) | 3.9326% | 4,070 |
| Cash dividends to net income (ytd only)* | 38.3877% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1543% | 3,739 |
| Loan loss allowance to noncurrent loans | 261.3577% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.3006% | 4,369 |
| Noncurrent loans to loans | 0.4417% | 3,859 |
| Net loans and leases to total assets | 67.2721% | 2,765 |
| Net loans and leases to deposits | 83.8040% | 2,324 |
| Net loans and leases to core deposits | 86.1707% | 2,733 |
| Total domestic deposits to total assets | 80.2732% | 4,688 |
| Equity capital to assets | 9.6892% | 4,460 |
| Core capital (leverage) ratio | 8.8915% | 4,968 |
| Tier 1 risk-based capital ratio | 12.3522% | 4,694 |
| Total risk-based capital ratio | 13.4502% | 4,683 |
| Memoranda: | ||
| Average total assets | $643,633,000 | 1,101 |
| Average earning assets | $596,767,000 | 1,085 |
| Average equity | $60,964,500 | 1,283 |
| Average total loans | $428,249,500 | 1,138 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7704% | 4,135 |
| Cost of funding earning assets | 0.2686% | 4,605 |
| Net interest margin | 3.5018% | 3,515 |
| Noninterest income to average assets | 0.6931% | 2,240 |
| Noninterest expense to average assets | 2.4330% | 4,429 |
| Loan and lease loss provision to assets | 0.0617% | 3,068 |
| Net operating income to assets | 0.9979% | 2,371 |
| Return on assets (ROA) | 1.0002% | 2,459 |
| Pretax return on assets | 1.4434% | 1,748 |
| Return on Equity (ROE) | 10.7959% | 1,686 |
| Retained earnings to average equity (ytd only) | 6.6851% | 1,447 |
| Net charge-offs to loans | 0.0259% | 3,712 |
| Credit loss provision to net charge-offs | 360.1852% | 824 |
| Earnings coverage of net charge-offs (x) | 87.6296% | 646 |
| Efficiency ratio | 61.3244% | 4,710 |
| Assets per employee ($millions) | 4.0384% | 3,862 |
| Cash dividends to net income (ytd only)* | 38.0771% | 2,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1023% | 4,037 |
| Loan loss allowance to noncurrent loans | 277.3349% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.2585% | 4,556 |
| Noncurrent loans to loans | 0.3975% | 4,031 |
| Net loans and leases to total assets | 64.3285% | 3,225 |
| Net loans and leases to deposits | 79.5418% | 2,878 |
| Net loans and leases to core deposits | 81.6911% | 3,180 |
| Total domestic deposits to total assets | 80.8738% | 4,516 |
| Equity capital to assets | 9.2590% | 4,838 |
| Core capital (leverage) ratio | 8.5799% | 5,349 |
| Tier 1 risk-based capital ratio | 12.2556% | 4,788 |
| Total risk-based capital ratio | 13.2872% | 4,827 |
| Memoranda: | ||
| Average total assets | $630,179,800 | 1,084 |
| Average earning assets | $583,352,400 | 1,071 |
| Average equity | $58,383,400 | 1,287 |
| Average total loans | $416,686,200 | 1,097 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7851% | 4,141 |
| Cost of funding earning assets | 0.2717% | 4,645 |
| Net interest margin | 3.5133% | 3,489 |
| Noninterest income to average assets | 0.7031% | 2,216 |
| Noninterest expense to average assets | 2.4462% | 4,368 |
| Loan and lease loss provision to assets | 0.0830% | 2,513 |
| Net operating income to assets | 0.9890% | 2,519 |
| Return on assets (ROA) | 0.9921% | 2,592 |
| Pretax return on assets | 1.4321% | 1,897 |
| Return on Equity (ROE) | 10.7071% | 1,822 |
| Retained earnings to average equity (ytd only) | 6.5642% | 1,911 |
| Net charge-offs to loans | 0.0443% | 3,008 |
| Credit loss provision to net charge-offs | 281.8841% | 1,023 |
| Earnings coverage of net charge-offs (x) | 51.3248% | 1,023 |
| Efficiency ratio | 61.3162% | 4,675 |
| Assets per employee ($millions) | 3.9516% | 3,969 |
| Cash dividends to net income (ytd only)* | 38.6930% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1212% | 4,104 |
| Loan loss allowance to noncurrent loans | 229.5342% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.3192% | 4,486 |
| Noncurrent loans to loans | 0.4885% | 3,889 |
| Net loans and leases to total assets | 64.6068% | 3,212 |
| Net loans and leases to deposits | 80.6657% | 2,802 |
| Net loans and leases to core deposits | 83.1565% | 3,134 |
| Total domestic deposits to total assets | 80.0920% | 4,721 |
| Equity capital to assets | 9.4080% | 4,873 |
| Core capital (leverage) ratio | 8.7020% | 5,349 |
| Tier 1 risk-based capital ratio | 12.6545% | 4,641 |
| Total risk-based capital ratio | 13.7313% | 4,666 |
| Memoranda: | ||
| Average total assets | $625,177,750 | 1,098 |
| Average earning assets | $578,962,500 | 1,085 |
| Average equity | $57,929,000 | 1,308 |
| Average total loans | $415,128,250 | 1,105 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8111% | 4,023 |
| Cost of funding earning assets | 0.2730% | 4,687 |
| Net interest margin | 3.5381% | 3,343 |
| Noninterest income to average assets | 0.6994% | 2,218 |
| Noninterest expense to average assets | 2.4373% | 4,442 |
| Loan and lease loss provision to assets | 0.1249% | 1,772 |
| Net operating income to assets | 0.9761% | 2,516 |
| Return on assets (ROA) | 0.9807% | 2,603 |
| Pretax return on assets | 1.4155% | 1,907 |
| Return on Equity (ROE) | 10.6391% | 1,797 |
| Retained earnings to average equity (ytd only) | 6.4587% | 1,969 |
| Net charge-offs to loans | 0.0548% | 2,627 |
| Credit loss provision to net charge-offs | 341.2281% | 848 |
| Earnings coverage of net charge-offs (x) | 41.8947% | 1,097 |
| Efficiency ratio | 60.8685% | 4,852 |
| Assets per employee ($millions) | 3.8211% | 4,223 |
| Cash dividends to net income (ytd only)* | 39.2927% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1212% | 4,221 |
| Loan loss allowance to noncurrent loans | 149.3744% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.5005% | 3,949 |
| Noncurrent loans to loans | 0.7506% | 3,234 |
| Net loans and leases to total assets | 65.9254% | 2,962 |
| Net loans and leases to deposits | 82.5033% | 2,495 |
| Net loans and leases to core deposits | 85.1048% | 2,871 |
| Total domestic deposits to total assets | 79.9063% | 4,888 |
| Equity capital to assets | 9.3094% | 4,887 |
| Core capital (leverage) ratio | 8.6512% | 5,369 |
| Tier 1 risk-based capital ratio | 12.3131% | 4,931 |
| Total risk-based capital ratio | 13.3863% | 4,951 |
| Memoranda: | ||
| Average total assets | $622,817,330 | 1,109 |
| Average earning assets | $575,894,670 | 1,098 |
| Average equity | $57,411,000 | 1,325 |
| Average total loans | $415,799,670 | 1,104 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7525% | 4,189 |
| Cost of funding earning assets | 0.2728% | 4,751 |
| Net interest margin | 3.4797% | 3,511 |
| Noninterest income to average assets | 0.6673% | 2,323 |
| Noninterest expense to average assets | 2.3956% | 4,608 |
| Loan and lease loss provision to assets | 0.1246% | 1,668 |
| Net operating income to assets | 0.9473% | 2,526 |
| Return on assets (ROA) | 0.9473% | 2,662 |
| Pretax return on assets | 1.3667% | 2,013 |
| Return on Equity (ROE) | 10.3281% | 1,856 |
| Retained earnings to average equity (ytd only) | 6.1269% | 2,415 |
| Net charge-offs to loans | 0.0779% | 1,923 |
| Credit loss provision to net charge-offs | 239.5062% | 940 |
| Earnings coverage of net charge-offs (x) | 28.6667% | 1,178 |
| Efficiency ratio | 61.1038% | 4,948 |
| Assets per employee ($millions) | 3.7877% | 4,361 |
| Cash dividends to net income (ytd only)* | 40.6780% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0671% | 4,675 |
| Loan loss allowance to noncurrent loans | 121.9539% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 0.5896% | 3,712 |
| Noncurrent loans to loans | 0.8750% | 3,060 |
| Net loans and leases to total assets | 66.6703% | 2,656 |
| Net loans and leases to deposits | 83.5622% | 2,137 |
| Net loans and leases to core deposits | 85.8346% | 2,565 |
| Total domestic deposits to total assets | 79.7853% | 5,097 |
| Equity capital to assets | 9.2528% | 5,022 |
| Core capital (leverage) ratio | 8.5222% | 5,501 |
| Tier 1 risk-based capital ratio | 12.0360% | 5,210 |
| Total risk-based capital ratio | 13.0681% | 5,257 |
| Memoranda: | ||
| Average total assets | $622,809,500 | 1,114 |
| Average earning assets | $576,254,500 | 1,101 |
| Average equity | $57,125,500 | 1,335 |
| Average total loans | $416,069,000 | 1,101 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8828% | 4,193 |
| Cost of funding earning assets | 0.3102% | 4,679 |
| Net interest margin | 3.5726% | 3,509 |
| Noninterest income to average assets | 0.6777% | 2,414 |
| Noninterest expense to average assets | 2.4308% | 4,759 |
| Loan and lease loss provision to assets | 0.1058% | 2,389 |
| Net operating income to assets | 0.9811% | 2,476 |
| Return on assets (ROA) | 0.9962% | 2,478 |
| Pretax return on assets | 1.4421% | 1,746 |
| Return on Equity (ROE) | 11.1848% | 1,663 |
| Retained earnings to average equity (ytd only) | 6.7501% | 1,516 |
| Net charge-offs to loans | 0.3334% | 1,321 |
| Credit loss provision to net charge-offs | 47.7357% | 3,533 |
| Earnings coverage of net charge-offs (x) | 6.8834% | 3,127 |
| Efficiency ratio | 60.8976% | 5,091 |
| Assets per employee ($millions) | 3.7165% | 4,497 |
| Cash dividends to net income (ytd only)* | 39.6498% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0660% | 4,727 |
| Loan loss allowance to noncurrent loans | 110.9395% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 0.6363% | 3,669 |
| Noncurrent loans to loans | 0.9609% | 2,924 |
| Net loans and leases to total assets | 65.5111% | 2,977 |
| Net loans and leases to deposits | 81.1937% | 2,581 |
| Net loans and leases to core deposits | 83.3903% | 2,964 |
| Total domestic deposits to total assets | 80.6849% | 4,832 |
| Equity capital to assets | 9.0911% | 5,191 |
| Core capital (leverage) ratio | 8.3494% | 5,726 |
| Tier 1 risk-based capital ratio | 12.2740% | 5,177 |
| Total risk-based capital ratio | 13.3232% | 5,219 |
| Memoranda: | ||
| Average total assets | $607,606,400 | 1,094 |
| Average earning assets | $557,696,800 | 1,092 |
| Average equity | $54,118,000 | 1,347 |
| Average total loans | $404,054,600 | 1,090 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9134% | 4,123 |
| Cost of funding earning assets | 0.3166% | 4,709 |
| Net interest margin | 3.5968% | 3,437 |
| Noninterest income to average assets | 0.6742% | 2,457 |
| Noninterest expense to average assets | 2.4385% | 4,704 |
| Loan and lease loss provision to assets | 0.1010% | 2,349 |
| Net operating income to assets | 0.9873% | 2,511 |
| Return on assets (ROA) | 1.0076% | 2,485 |
| Pretax return on assets | 1.4596% | 1,778 |
| Return on Equity (ROE) | 11.3728% | 1,666 |
| Retained earnings to average equity (ytd only) | 6.8904% | 1,875 |
| Net charge-offs to loans | 0.1176% | 2,630 |
| Credit loss provision to net charge-offs | 129.0141% | 1,787 |
| Earnings coverage of net charge-offs (x) | 19.5522% | 1,774 |
| Efficiency ratio | 60.8870% | 5,058 |
| Assets per employee ($millions) | 3.8174% | 4,255 |
| Cash dividends to net income (ytd only)* | 39.4132% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2656% | 3,845 |
| Loan loss allowance to noncurrent loans | 110.8073% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 0.7666% | 3,519 |
| Noncurrent loans to loans | 1.1422% | 2,772 |
| Net loans and leases to total assets | 66.2621% | 2,814 |
| Net loans and leases to deposits | 82.9795% | 2,292 |
| Net loans and leases to core deposits | 85.2225% | 2,752 |
| Total domestic deposits to total assets | 79.8535% | 5,134 |
| Equity capital to assets | 9.0501% | 5,303 |
| Core capital (leverage) ratio | 8.3894% | 5,767 |
| Tier 1 risk-based capital ratio | 12.0664% | 5,444 |
| Total risk-based capital ratio | 13.3099% | 5,365 |
| Memoranda: | ||
| Average total assets | $604,344,500 | 1,105 |
| Average earning assets | $553,744,500 | 1,102 |
| Average equity | $53,541,500 | 1,368 |
| Average total loans | $402,323,750 | 1,087 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9313% | 4,009 |
| Cost of funding earning assets | 0.3187% | 4,773 |
| Net interest margin | 3.6126% | 3,309 |
| Noninterest income to average assets | 0.6569% | 2,502 |
| Noninterest expense to average assets | 2.4381% | 4,775 |
| Loan and lease loss provision to assets | 0.1113% | 2,171 |
| Net operating income to assets | 0.9732% | 2,442 |
| Return on assets (ROA) | 1.0037% | 2,376 |
| Pretax return on assets | 1.4537% | 1,702 |
| Return on Equity (ROE) | 11.4117% | 1,597 |
| Retained earnings to average equity (ytd only) | 6.8803% | 1,825 |
| Net charge-offs to loans | 0.1786% | 1,963 |
| Credit loss provision to net charge-offs | 93.8375% | 2,115 |
| Earnings coverage of net charge-offs (x) | 12.8263% | 2,030 |
| Efficiency ratio | 61.0403% | 5,138 |
| Assets per employee ($millions) | 3.8044% | 4,245 |
| Cash dividends to net income (ytd only)* | 39.7088% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 4,292 |
| Loan loss allowance to noncurrent loans | 100.6361% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 0.8265% | 3,492 |
| Noncurrent loans to loans | 1.2197% | 2,797 |
| Net loans and leases to total assets | 66.9344% | 2,598 |
| Net loans and leases to deposits | 84.0358% | 2,037 |
| Net loans and leases to core deposits | 86.2196% | 2,494 |
| Total domestic deposits to total assets | 79.6499% | 5,316 |
| Equity capital to assets | 8.9203% | 5,388 |
| Core capital (leverage) ratio | 8.3553% | 5,795 |
| Tier 1 risk-based capital ratio | 11.7382% | 5,672 |
| Total risk-based capital ratio | 12.9420% | 5,644 |
| Memoranda: | ||
| Average total assets | $602,197,000 | 1,109 |
| Average earning assets | $550,402,670 | 1,109 |
| Average equity | $52,963,000 | 1,371 |
| Average total loans | $399,795,670 | 1,092 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8918% | 4,115 |
| Cost of funding earning assets | 0.3195% | 4,863 |
| Net interest margin | 3.5723% | 3,377 |
| Noninterest income to average assets | 0.6365% | 2,537 |
| Noninterest expense to average assets | 2.3815% | 4,981 |
| Loan and lease loss provision to assets | 0.1236% | 1,952 |
| Net operating income to assets | 0.9697% | 2,323 |
| Return on assets (ROA) | 0.9697% | 2,390 |
| Pretax return on assets | 1.4018% | 1,740 |
| Return on Equity (ROE) | 11.1061% | 1,647 |
| Retained earnings to average equity (ytd only) | 6.5168% | 2,274 |
| Net charge-offs to loans | 0.2084% | 1,499 |
| Credit loss provision to net charge-offs | 90.2439% | 1,798 |
| Earnings coverage of net charge-offs (x) | 11.1415% | 1,803 |
| Efficiency ratio | 60.4103% | 5,347 |
| Assets per employee ($millions) | 3.7609% | 4,396 |
| Cash dividends to net income (ytd only)* | 41.3223% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2421% | 4,429 |
| Loan loss allowance to noncurrent loans | 95.7286% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 0.8793% | 3,532 |
| Noncurrent loans to loans | 1.2975% | 2,856 |
| Net loans and leases to total assets | 66.9226% | 2,408 |
| Net loans and leases to deposits | 86.0966% | 1,598 |
| Net loans and leases to core deposits | 88.1881% | 2,074 |
| Total domestic deposits to total assets | 77.7297% | 5,864 |
| Equity capital to assets | 8.8069% | 5,328 |
| Core capital (leverage) ratio | 8.2792% | 5,864 |
| Tier 1 risk-based capital ratio | 11.5166% | 5,906 |
| Total risk-based capital ratio | 12.7226% | 5,877 |
| Memoranda: | ||
| Average total assets | $598,946,000 | 1,124 |
| Average earning assets | $548,330,000 | 1,121 |
| Average equity | $52,295,500 | 1,384 |
| Average total loans | $393,447,500 | 1,118 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9471% | 4,294 |
| Cost of funding earning assets | 0.4213% | 4,422 |
| Net interest margin | 3.5259% | 3,786 |
| Noninterest income to average assets | 0.7119% | 2,471 |
| Noninterest expense to average assets | 2.4836% | 4,820 |
| Loan and lease loss provision to assets | 0.1440% | 2,502 |
| Net operating income to assets | 0.9193% | 2,687 |
| Return on assets (ROA) | 0.9384% | 2,690 |
| Pretax return on assets | 1.3489% | 1,975 |
| Return on Equity (ROE) | 10.6206% | 1,887 |
| Retained earnings to average equity (ytd only) | 5.9633% | 2,000 |
| Net charge-offs to loans | 0.0894% | 3,955 |
| Credit loss provision to net charge-offs | 250.7463% | 902 |
| Earnings coverage of net charge-offs (x) | 25.5164% | 1,324 |
| Efficiency ratio | 62.3019% | 5,157 |
| Assets per employee ($millions) | 3.7971% | 4,272 |
| Cash dividends to net income (ytd only)* | 43.8516% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3412% | 3,929 |
| Loan loss allowance to noncurrent loans | 155.5046% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.5485% | 4,583 |
| Noncurrent loans to loans | 0.8625% | 3,823 |
| Net loans and leases to total assets | 62.7431% | 3,242 |
| Net loans and leases to deposits | 77.6772% | 2,767 |
| Net loans and leases to core deposits | 79.7100% | 3,163 |
| Total domestic deposits to total assets | 80.7741% | 5,248 |
| Equity capital to assets | 8.6549% | 5,417 |
| Core capital (leverage) ratio | 8.0800% | 6,077 |
| Tier 1 risk-based capital ratio | 12.1199% | 5,545 |
| Total risk-based capital ratio | 13.3687% | 5,482 |
| Memoranda: | ||
| Average total assets | $583,226,400 | 1,140 |
| Average earning assets | $535,500,400 | 1,130 |
| Average equity | $51,532,000 | 1,380 |
| Average total loans | $374,574,000 | 1,133 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9315% | 4,380 |
| Cost of funding earning assets | 0.4373% | 4,416 |
| Net interest margin | 3.4942% | 3,908 |
| Noninterest income to average assets | 0.7188% | 2,513 |
| Noninterest expense to average assets | 2.4457% | 4,887 |
| Loan and lease loss provision to assets | 0.1448% | 2,473 |
| Net operating income to assets | 0.9295% | 2,692 |
| Return on assets (ROA) | 0.9547% | 2,670 |
| Pretax return on assets | 1.3740% | 2,019 |
| Return on Equity (ROE) | 10.7485% | 1,906 |
| Retained earnings to average equity (ytd only) | 6.0899% | 2,352 |
| Net charge-offs to loans | 0.0475% | 4,228 |
| Credit loss provision to net charge-offs | 473.6842% | 565 |
| Earnings coverage of net charge-offs (x) | 48.4809% | 886 |
| Efficiency ratio | 61.6726% | 5,183 |
| Assets per employee ($millions) | 3.5982% | 4,654 |
| Cash dividends to net income (ytd only)* | 43.3422% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3449% | 4,168 |
| Loan loss allowance to noncurrent loans | 215.7671% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.3963% | 5,229 |
| Noncurrent loans to loans | 0.6233% | 4,646 |
| Net loans and leases to total assets | 62.7297% | 3,214 |
| Net loans and leases to deposits | 77.2830% | 2,777 |
| Net loans and leases to core deposits | 80.1668% | 3,115 |
| Total domestic deposits to total assets | 81.1688% | 5,174 |
| Equity capital to assets | 8.6493% | 5,570 |
| Core capital (leverage) ratio | 8.1377% | 6,120 |
| Tier 1 risk-based capital ratio | 11.9921% | 5,783 |
| Total risk-based capital ratio | 13.2427% | 5,723 |
| Memoranda: | ||
| Average total assets | $579,996,750 | 1,159 |
| Average earning assets | $532,674,000 | 1,149 |
| Average equity | $51,516,000 | 1,388 |
| Average total loans | $373,436,250 | 1,140 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9587% | 4,270 |
| Cost of funding earning assets | 0.4495% | 4,436 |
| Net interest margin | 3.5092% | 3,741 |
| Noninterest income to average assets | 0.7254% | 2,522 |
| Noninterest expense to average assets | 2.4552% | 4,881 |
| Loan and lease loss provision to assets | 0.1460% | 2,514 |
| Net operating income to assets | 0.9388% | 2,622 |
| Return on assets (ROA) | 0.9412% | 2,753 |
| Pretax return on assets | 1.3541% | 2,103 |
| Return on Equity (ROE) | 10.5020% | 2,012 |
| Retained earnings to average equity (ytd only) | 5.8482% | 2,522 |
| Net charge-offs to loans | 0.0296% | 4,274 |
| Credit loss provision to net charge-offs | 763.6364% | 394 |
| Earnings coverage of net charge-offs (x) | 78.2909% | 579 |
| Efficiency ratio | 61.5303% | 5,240 |
| Assets per employee ($millions) | 3.5904% | 4,647 |
| Cash dividends to net income (ytd only)* | 44.3131% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3072% | 4,475 |
| Loan loss allowance to noncurrent loans | 206.6444% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.4192% | 5,234 |
| Noncurrent loans to loans | 0.6326% | 4,674 |
| Net loans and leases to total assets | 65.3991% | 2,698 |
| Net loans and leases to deposits | 80.4919% | 2,257 |
| Net loans and leases to core deposits | 83.6305% | 2,611 |
| Total domestic deposits to total assets | 81.2492% | 5,277 |
| Equity capital to assets | 8.8753% | 5,359 |
| Core capital (leverage) ratio | 8.1457% | 6,064 |
| Tier 1 risk-based capital ratio | 11.8347% | 5,895 |
| Total risk-based capital ratio | 13.0851% | 5,845 |
| Memoranda: | ||
| Average total assets | $575,428,670 | 1,167 |
| Average earning assets | $529,064,330 | 1,158 |
| Average equity | $51,571,000 | 1,391 |
| Average total loans | $372,080,330 | 1,143 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9891% | 4,168 |
| Cost of funding earning assets | 0.4576% | 4,506 |
| Net interest margin | 3.5314% | 3,562 |
| Noninterest income to average assets | 0.7139% | 2,518 |
| Noninterest expense to average assets | 2.3908% | 5,153 |
| Loan and lease loss provision to assets | 0.1454% | 2,424 |
| Net operating income to assets | 0.9880% | 2,282 |
| Return on assets (ROA) | 0.9880% | 2,403 |
| Pretax return on assets | 1.4263% | 1,781 |
| Return on Equity (ROE) | 10.9721% | 1,720 |
| Retained earnings to average equity (ytd only) | 6.3587% | 2,480 |
| Net charge-offs to loans | -0.0152% | 5,595 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7414% | 5,624 |
| Assets per employee ($millions) | 3.4675% | 5,046 |
| Cash dividends to net income (ytd only)* | 42.0463% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2867% | 4,772 |
| Loan loss allowance to noncurrent loans | 219.6616% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.3846% | 5,438 |
| Noncurrent loans to loans | 0.5858% | 4,976 |
| Net loans and leases to total assets | 64.8122% | 2,568 |
| Net loans and leases to deposits | 80.4066% | 2,028 |
| Net loans and leases to core deposits | 83.5732% | 2,376 |
| Total domestic deposits to total assets | 80.6056% | 5,598 |
| Equity capital to assets | 9.1773% | 5,279 |
| Core capital (leverage) ratio | 7.9638% | 6,182 |
| Tier 1 risk-based capital ratio | 11.9683% | 5,936 |
| Total risk-based capital ratio | 13.2185% | 5,901 |
| Memoranda: | ||
| Average total assets | $577,704,000 | 1,171 |
| Average earning assets | $531,454,500 | 1,159 |
| Average equity | $52,023,000 | 1,403 |
| Average total loans | $368,973,500 | 1,157 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9433% | 5,462 |
| Cost of funding earning assets | 0.5705% | 4,639 |
| Net interest margin | 3.3727% | 4,984 |
| Noninterest income to average assets | 0.7441% | 2,526 |
| Noninterest expense to average assets | 2.4898% | 5,135 |
| Loan and lease loss provision to assets | 0.1452% | 3,792 |
| Net operating income to assets | 0.8433% | 3,077 |
| Return on assets (ROA) | 0.8433% | 3,334 |
| Pretax return on assets | 1.2156% | 2,746 |
| Return on Equity (ROE) | 9.4937% | 2,406 |
| Retained earnings to average equity (ytd only) | 5.5206% | 2,367 |
| Net charge-offs to loans | 0.0946% | 4,724 |
| Credit loss provision to net charge-offs | 253.2308% | 956 |
| Earnings coverage of net charge-offs (x) | 23.7292% | 1,206 |
| Efficiency ratio | 64.0180% | 4,883 |
| Assets per employee ($millions) | 3.6219% | 4,730 |
| Cash dividends to net income (ytd only)* | 41.8498% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2562% | 4,840 |
| Loan loss allowance to noncurrent loans | 137.2490% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.5730% | 5,049 |
| Noncurrent loans to loans | 0.9153% | 4,352 |
| Net loans and leases to total assets | 61.3554% | 3,363 |
| Net loans and leases to deposits | 75.6570% | 2,858 |
| Net loans and leases to core deposits | 78.8984% | 3,153 |
| Total domestic deposits to total assets | 81.0969% | 5,374 |
| Equity capital to assets | 8.8383% | 5,701 |
| Core capital (leverage) ratio | 7.7849% | 6,348 |
| Tier 1 risk-based capital ratio | 11.9486% | 5,825 |
| Total risk-based capital ratio | 13.1846% | 5,782 |
| Memoranda: | ||
| Average total assets | $566,714,400 | 1,172 |
| Average earning assets | $521,978,200 | 1,159 |
| Average equity | $50,338,800 | 1,405 |
| Average total loans | $343,595,800 | 1,228 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9651% | 5,618 |
| Cost of funding earning assets | 0.5895% | 4,749 |
| Net interest margin | 3.3755% | 5,114 |
| Noninterest income to average assets | 0.7285% | 2,582 |
| Noninterest expense to average assets | 2.4710% | 5,178 |
| Loan and lease loss provision to assets | 0.1465% | 3,708 |
| Net operating income to assets | 0.8502% | 3,214 |
| Return on assets (ROA) | 0.8502% | 3,469 |
| Pretax return on assets | 1.2288% | 2,873 |
| Return on Equity (ROE) | 9.5596% | 2,562 |
| Retained earnings to average equity (ytd only) | 5.5564% | 2,999 |
| Net charge-offs to loans | 0.0150% | 5,482 |
| Credit loss provision to net charge-offs | 1,623.6842% | 166 |
| Earnings coverage of net charge-offs (x) | 152.4598% | 288 |
| Efficiency ratio | 63.6078% | 4,870 |
| Assets per employee ($millions) | 3.3847% | 5,247 |
| Cash dividends to net income (ytd only)* | 41.8761% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3193% | 4,728 |
| Loan loss allowance to noncurrent loans | 127.2802% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.6530% | 5,047 |
| Noncurrent loans to loans | 1.0366% | 4,374 |
| Net loans and leases to total assets | 61.3091% | 3,514 |
| Net loans and leases to deposits | 76.5826% | 2,896 |
| Net loans and leases to core deposits | 79.8555% | 3,224 |
| Total domestic deposits to total assets | 80.0562% | 5,638 |
| Equity capital to assets | 9.0481% | 5,779 |
| Core capital (leverage) ratio | 7.7434% | 6,498 |
| Tier 1 risk-based capital ratio | 12.1765% | 5,844 |
| Total risk-based capital ratio | 13.4271% | 5,809 |
| Memoranda: | ||
| Average total assets | $561,706,750 | 1,201 |
| Average earning assets | $518,819,000 | 1,182 |
| Average equity | $49,959,000 | 1,431 |
| Average total loans | $338,349,750 | 1,256 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9800% | 5,707 |
| Cost of funding earning assets | 0.6089% | 4,823 |
| Net interest margin | 3.3711% | 5,201 |
| Noninterest income to average assets | 0.7090% | 2,620 |
| Noninterest expense to average assets | 2.4694% | 5,239 |
| Loan and lease loss provision to assets | 0.1469% | 3,679 |
| Net operating income to assets | 0.8316% | 3,233 |
| Return on assets (ROA) | 0.8316% | 3,500 |
| Pretax return on assets | 1.2063% | 2,895 |
| Return on Equity (ROE) | 9.4053% | 2,610 |
| Retained earnings to average equity (ytd only) | 5.3617% | 3,063 |
| Net charge-offs to loans | 0.0132% | 5,262 |
| Credit loss provision to net charge-offs | 1,868.1818% | 166 |
| Earnings coverage of net charge-offs (x) | 172.0455% | 263 |
| Efficiency ratio | 63.9824% | 4,906 |
| Assets per employee ($millions) | 3.3925% | 5,228 |
| Cash dividends to net income (ytd only)* | 42.9923% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2993% | 4,894 |
| Loan loss allowance to noncurrent loans | 111.6076% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.7080% | 5,020 |
| Noncurrent loans to loans | 1.1641% | 4,211 |
| Net loans and leases to total assets | 59.9505% | 3,830 |
| Net loans and leases to deposits | 74.5359% | 3,202 |
| Net loans and leases to core deposits | 77.7287% | 3,558 |
| Total domestic deposits to total assets | 80.4318% | 5,634 |
| Equity capital to assets | 8.9153% | 5,786 |
| Core capital (leverage) ratio | 7.6971% | 6,518 |
| Tier 1 risk-based capital ratio | 12.1552% | 5,828 |
| Total risk-based capital ratio | 13.4054% | 5,804 |
| Memoranda: | ||
| Average total assets | $559,396,670 | 1,205 |
| Average earning assets | $516,688,330 | 1,183 |
| Average equity | $49,461,670 | 1,434 |
| Average total loans | $333,370,670 | 1,273 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9861% | 5,809 |
| Cost of funding earning assets | 0.6369% | 4,837 |
| Net interest margin | 3.3492% | 5,306 |
| Noninterest income to average assets | 0.6822% | 2,746 |
| Noninterest expense to average assets | 2.4461% | 5,326 |
| Loan and lease loss provision to assets | 0.1482% | 3,507 |
| Net operating income to assets | 0.8276% | 3,269 |
| Return on assets (ROA) | 0.8276% | 3,499 |
| Pretax return on assets | 1.1910% | 2,944 |
| Return on Equity (ROE) | 9.3996% | 2,639 |
| Retained earnings to average equity (ytd only) | 5.3128% | 3,374 |
| Net charge-offs to loans | 0.0512% | 3,990 |
| Credit loss provision to net charge-offs | 490.4762% | 663 |
| Earnings coverage of net charge-offs (x) | 44.3095% | 688 |
| Efficiency ratio | 63.9924% | 4,922 |
| Assets per employee ($millions) | 3.5711% | 4,954 |
| Cash dividends to net income (ytd only)* | 43.4783% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2796% | 5,108 |
| Loan loss allowance to noncurrent loans | 130.2055% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.5825% | 5,433 |
| Noncurrent loans to loans | 0.9828% | 4,705 |
| Net loans and leases to total assets | 58.4257% | 3,965 |
| Net loans and leases to deposits | 72.5911% | 3,344 |
| Net loans and leases to core deposits | 75.6398% | 3,664 |
| Total domestic deposits to total assets | 80.4861% | 5,727 |
| Equity capital to assets | 8.7797% | 5,773 |
| Core capital (leverage) ratio | 7.7071% | 6,477 |
| Tier 1 risk-based capital ratio | 12.4619% | 5,635 |
| Total risk-based capital ratio | 13.7120% | 5,600 |
| Memoranda: | ||
| Average total assets | $555,824,000 | 1,219 |
| Average earning assets | $514,985,500 | 1,195 |
| Average equity | $48,938,000 | 1,444 |
| Average total loans | $327,998,000 | 1,295 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5589% | 4,839 |
| Cost of funding earning assets | 0.8377% | 4,563 |
| Net interest margin | 3.7212% | 4,201 |
| Noninterest income to average assets | 0.7020% | 2,591 |
| Noninterest expense to average assets | 2.8207% | 4,266 |
| Loan and lease loss provision to assets | 0.2013% | 4,170 |
| Net operating income to assets | 0.7930% | 3,067 |
| Return on assets (ROA) | 0.8277% | 3,085 |
| Pretax return on assets | 1.1914% | 2,492 |
| Return on Equity (ROE) | 8.2154% | 2,799 |
| Retained earnings to average equity (ytd only) | 3.3791% | 3,818 |
| Net charge-offs to loans | 0.2822% | 4,013 |
| Credit loss provision to net charge-offs | 105.6730% | 3,235 |
| Earnings coverage of net charge-offs (x) | 7.0489% | 2,407 |
| Efficiency ratio | 67.3570% | 4,504 |
| Assets per employee ($millions) | 3.5779% | 4,835 |
| Cash dividends to net income (ytd only)* | 58.8687% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2592% | 5,118 |
| Loan loss allowance to noncurrent loans | 116.9292% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.6354% | 5,381 |
| Noncurrent loans to loans | 1.0769% | 4,554 |
| Net loans and leases to total assets | 58.0953% | 4,353 |
| Net loans and leases to deposits | 72.0803% | 3,780 |
| Net loans and leases to core deposits | 75.1571% | 4,082 |
| Total domestic deposits to total assets | 80.5980% | 5,559 |
| Equity capital to assets | 8.8299% | 5,761 |
| Core capital (leverage) ratio | 7.9058% | 6,353 |
| Tier 1 risk-based capital ratio | 12.6942% | 5,311 |
| Total risk-based capital ratio | 13.9441% | 5,291 |
| Memoranda: | ||
| Average total assets | $472,049,400 | 1,404 |
| Average earning assets | $439,048,800 | 1,381 |
| Average equity | $47,557,200 | 1,428 |
| Average total loans | $318,512,600 | 1,334 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7248% | 4,337 |
| Cost of funding earning assets | 0.8809% | 4,541 |
| Net interest margin | 3.8438% | 3,647 |
| Noninterest income to average assets | 0.7083% | 2,554 |
| Noninterest expense to average assets | 2.8422% | 4,185 |
| Loan and lease loss provision to assets | 0.2093% | 3,930 |
| Net operating income to assets | 0.8491% | 2,946 |
| Return on assets (ROA) | 0.8973% | 2,897 |
| Pretax return on assets | 1.3011% | 2,283 |
| Return on Equity (ROE) | 8.5835% | 2,787 |
| Retained earnings to average equity (ytd only) | 3.5078% | 4,244 |
| Net charge-offs to loans | 0.2628% | 3,798 |
| Credit loss provision to net charge-offs | 113.6000% | 2,877 |
| Earnings coverage of net charge-offs (x) | 7.8192% | 2,294 |
| Efficiency ratio | 66.0472% | 4,710 |
| Assets per employee ($millions) | 3.1785% | 5,729 |
| Cash dividends to net income (ytd only)* | 59.1327% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3103% | 4,963 |
| Loan loss allowance to noncurrent loans | 117.7682% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.8739% | 4,991 |
| Noncurrent loans to loans | 1.1126% | 4,697 |
| Net loans and leases to total assets | 67.7291% | 2,528 |
| Net loans and leases to deposits | 87.0931% | 1,544 |
| Net loans and leases to core deposits | 91.7502% | 2,029 |
| Total domestic deposits to total assets | 77.7663% | 6,232 |
| Equity capital to assets | 10.5694% | 3,619 |
| Core capital (leverage) ratio | 9.8939% | 3,583 |
| Tier 1 risk-based capital ratio | 14.5753% | 3,928 |
| Total risk-based capital ratio | 15.8267% | 3,898 |
| Memoranda: | ||
| Average total assets | $452,314,000 | 1,462 |
| Average earning assets | $420,609,750 | 1,442 |
| Average equity | $47,283,500 | 1,445 |
| Average total loans | $317,095,250 | 1,355 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7512% | 4,294 |
| Cost of funding earning assets | 0.9160% | 4,541 |
| Net interest margin | 3.8352% | 3,620 |
| Noninterest income to average assets | 0.6863% | 2,620 |
| Noninterest expense to average assets | 2.7555% | 4,610 |
| Loan and lease loss provision to assets | 0.2086% | 3,833 |
| Net operating income to assets | 0.8870% | 2,701 |
| Return on assets (ROA) | 0.8870% | 2,805 |
| Pretax return on assets | 1.2870% | 2,175 |
| Return on Equity (ROE) | 8.5168% | 2,711 |
| Retained earnings to average equity (ytd only) | 2.9753% | 4,388 |
| Net charge-offs to loans | 0.2811% | 3,476 |
| Credit loss provision to net charge-offs | 105.1454% | 2,934 |
| Earnings coverage of net charge-offs (x) | 7.5369% | 2,203 |
| Efficiency ratio | 64.4946% | 5,147 |
| Assets per employee ($millions) | 3.1427% | 5,770 |
| Cash dividends to net income (ytd only)* | 65.0651% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2806% | 5,147 |
| Loan loss allowance to noncurrent loans | 113.9084% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.8843% | 5,105 |
| Noncurrent loans to loans | 1.1242% | 4,783 |
| Net loans and leases to total assets | 69.5415% | 2,309 |
| Net loans and leases to deposits | 89.8301% | 1,295 |
| Net loans and leases to core deposits | 94.6045% | 1,835 |
| Total domestic deposits to total assets | 77.4144% | 6,392 |
| Equity capital to assets | 10.6106% | 3,372 |
| Core capital (leverage) ratio | 9.9090% | 3,376 |
| Tier 1 risk-based capital ratio | 14.4415% | 3,830 |
| Total risk-based capital ratio | 15.6925% | 3,802 |
| Memoranda: | ||
| Average total assets | $450,516,670 | 1,478 |
| Average earning assets | $418,758,000 | 1,454 |
| Average equity | $46,919,000 | 1,442 |
| Average total loans | $318,088,330 | 1,359 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7185% | 4,442 |
| Cost of funding earning assets | 0.9655% | 4,459 |
| Net interest margin | 3.7531% | 3,829 |
| Noninterest income to average assets | 0.6748% | 2,705 |
| Noninterest expense to average assets | 2.6329% | 5,105 |
| Loan and lease loss provision to assets | 0.2483% | 3,175 |
| Net operating income to assets | 0.8832% | 2,646 |
| Return on assets (ROA) | 0.8832% | 2,711 |
| Pretax return on assets | 1.2823% | 2,090 |
| Return on Equity (ROE) | 8.5611% | 2,671 |
| Retained earnings to average equity (ytd only) | 1.6847% | 5,110 |
| Net charge-offs to loans | 0.3550% | 2,643 |
| Credit loss provision to net charge-offs | 98.9399% | 2,761 |
| Earnings coverage of net charge-offs (x) | 6.0989% | 2,156 |
| Efficiency ratio | 62.9180% | 5,537 |
| Assets per employee ($millions) | 3.1354% | 5,863 |
| Cash dividends to net income (ytd only)* | 80.3213% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2508% | 5,384 |
| Loan loss allowance to noncurrent loans | 102.9389% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.8856% | 5,134 |
| Noncurrent loans to loans | 1.2151% | 4,655 |
| Net loans and leases to total assets | 71.4272% | 1,828 |
| Net loans and leases to deposits | 91.0593% | 1,116 |
| Net loans and leases to core deposits | 95.8809% | 1,685 |
| Total domestic deposits to total assets | 78.4404% | 6,310 |
| Equity capital to assets | 10.4629% | 3,222 |
| Core capital (leverage) ratio | 9.7179% | 3,499 |
| Tier 1 risk-based capital ratio | 14.1100% | 3,998 |
| Total risk-based capital ratio | 15.3607% | 3,969 |
| Memoranda: | ||
| Average total assets | $451,069,500 | 1,487 |
| Average earning assets | $419,284,500 | 1,467 |
| Average equity | $46,536,000 | 1,444 |
| Average total loans | $318,842,000 | 1,370 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9078% | 4,994 |
| Cost of funding earning assets | 1.1602% | 4,790 |
| Net interest margin | 3.7476% | 4,159 |
| Noninterest income to average assets | 0.7061% | 2,810 |
| Noninterest expense to average assets | 2.7048% | 4,969 |
| Loan and lease loss provision to assets | 0.2762% | 4,600 |
| Net operating income to assets | 0.8302% | 2,670 |
| Return on assets (ROA) | 0.8531% | 2,713 |
| Pretax return on assets | 1.2407% | 2,098 |
| Return on Equity (ROE) | 8.3226% | 2,566 |
| Retained earnings to average equity (ytd only) | 3.9584% | 3,098 |
| Net charge-offs to loans | 0.4025% | 4,027 |
| Credit loss provision to net charge-offs | 97.7057% | 4,748 |
| Earnings coverage of net charge-offs (x) | 5.2484% | 2,678 |
| Efficiency ratio | 64.2388% | 5,306 |
| Assets per employee ($millions) | 3.2872% | 5,463 |
| Cash dividends to net income (ytd only)* | 52.4384% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2771% | 5,120 |
| Loan loss allowance to noncurrent loans | 87.8214% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 1.0124% | 4,975 |
| Noncurrent loans to loans | 1.4542% | 4,302 |
| Net loans and leases to total assets | 68.1995% | 2,935 |
| Net loans and leases to deposits | 88.0602% | 1,783 |
| Net loans and leases to core deposits | 93.1073% | 2,369 |
| Total domestic deposits to total assets | 77.4465% | 6,412 |
| Equity capital to assets | 10.1745% | 3,526 |
| Core capital (leverage) ratio | 9.6062% | 3,550 |
| Tier 1 risk-based capital ratio | 14.4428% | 3,589 |
| Total risk-based capital ratio | 15.6939% | 3,542 |
| Memoranda: | ||
| Average total assets | $447,097,000 | 1,489 |
| Average earning assets | $415,462,800 | 1,462 |
| Average equity | $45,827,000 | 1,464 |
| Average total loans | $314,059,000 | 1,428 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9533% | 5,022 |
| Cost of funding earning assets | 1.1858% | 4,940 |
| Net interest margin | 3.7675% | 4,105 |
| Noninterest income to average assets | 0.6756% | 2,978 |
| Noninterest expense to average assets | 2.7098% | 4,839 |
| Loan and lease loss provision to assets | 0.2990% | 4,184 |
| Net operating income to assets | 0.8039% | 2,986 |
| Return on assets (ROA) | 0.8345% | 2,994 |
| Pretax return on assets | 1.2105% | 2,451 |
| Return on Equity (ROE) | 8.1263% | 2,853 |
| Retained earnings to average equity (ytd only) | 3.7463% | 3,827 |
| Net charge-offs to loans | 0.2763% | 4,288 |
| Credit loss provision to net charge-offs | 153.3846% | 2,512 |
| Earnings coverage of net charge-offs (x) | 7.5169% | 2,315 |
| Efficiency ratio | 64.5694% | 5,133 |
| Assets per employee ($millions) | 3.1570% | 5,786 |
| Cash dividends to net income (ytd only)* | 53.8987% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3887% | 4,527 |
| Loan loss allowance to noncurrent loans | 84.0069% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 1.1981% | 4,747 |
| Noncurrent loans to loans | 1.6531% | 4,163 |
| Net loans and leases to total assets | 69.3161% | 2,895 |
| Net loans and leases to deposits | 91.4275% | 1,521 |
| Net loans and leases to core deposits | 96.3098% | 2,222 |
| Total domestic deposits to total assets | 75.8154% | 6,687 |
| Equity capital to assets | 10.2957% | 3,771 |
| Core capital (leverage) ratio | 9.6717% | 3,660 |
| Tier 1 risk-based capital ratio | 14.2773% | 3,648 |
| Total risk-based capital ratio | 15.5298% | 3,602 |
| Memoranda: | ||
| Average total assets | $444,641,750 | 1,520 |
| Average earning assets | $412,997,250 | 1,494 |
| Average equity | $45,661,500 | 1,472 |
| Average total loans | $313,662,000 | 1,447 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9561% | 5,153 |
| Cost of funding earning assets | 1.2029% | 5,121 |
| Net interest margin | 3.7532% | 4,117 |
| Noninterest income to average assets | 0.6660% | 2,923 |
| Noninterest expense to average assets | 2.6756% | 5,010 |
| Loan and lease loss provision to assets | 0.3427% | 3,674 |
| Net operating income to assets | 0.7848% | 3,047 |
| Return on assets (ROA) | 0.8310% | 2,972 |
| Pretax return on assets | 1.2017% | 2,409 |
| Return on Equity (ROE) | 8.0989% | 2,853 |
| Retained earnings to average equity (ytd only) | 3.6926% | 3,752 |
| Net charge-offs to loans | 0.1344% | 4,866 |
| Credit loss provision to net charge-offs | 360.9524% | 1,016 |
| Earnings coverage of net charge-offs (x) | 15.5619% | 1,451 |
| Efficiency ratio | 64.0867% | 5,321 |
| Assets per employee ($millions) | 3.0847% | 5,961 |
| Cash dividends to net income (ytd only)* | 54.4070% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4773% | 4,029 |
| Loan loss allowance to noncurrent loans | 75.6899% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 1.4359% | 4,317 |
| Noncurrent loans to loans | 1.9518% | 3,789 |
| Net loans and leases to total assets | 69.6687% | 2,980 |
| Net loans and leases to deposits | 92.8778% | 1,408 |
| Net loans and leases to core deposits | 97.9075% | 2,240 |
| Total domestic deposits to total assets | 75.0112% | 6,853 |
| Equity capital to assets | 10.4256% | 3,500 |
| Core capital (leverage) ratio | 9.7757% | 3,436 |
| Tier 1 risk-based capital ratio | 14.4600% | 3,469 |
| Total risk-based capital ratio | 15.7096% | 3,431 |
| Memoranda: | ||
| Average total assets | $442,371,670 | 1,545 |
| Average earning assets | $411,006,330 | 1,509 |
| Average equity | $45,388,670 | 1,478 |
| Average total loans | $312,437,330 | 1,471 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0092% | 4,981 |
| Cost of funding earning assets | 1.2389% | 5,179 |
| Net interest margin | 3.7702% | 3,918 |
| Noninterest income to average assets | 0.6600% | 2,879 |
| Noninterest expense to average assets | 2.6149% | 5,292 |
| Loan and lease loss provision to assets | 0.4686% | 2,625 |
| Net operating income to assets | 0.7512% | 3,202 |
| Return on assets (ROA) | 0.7512% | 3,306 |
| Pretax return on assets | 1.0799% | 2,803 |
| Return on Equity (ROE) | 7.3810% | 3,172 |
| Retained earnings to average equity (ytd only) | 2.9453% | 4,364 |
| Net charge-offs to loans | 0.2853% | 3,268 |
| Credit loss provision to net charge-offs | 232.7354% | 1,639 |
| Earnings coverage of net charge-offs (x) | 7.6906% | 2,055 |
| Efficiency ratio | 62.4593% | 5,742 |
| Assets per employee ($millions) | 3.1330% | 5,918 |
| Cash dividends to net income (ytd only)* | 60.0962% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3981% | 4,431 |
| Loan loss allowance to noncurrent loans | 69.9984% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 1.4912% | 4,271 |
| Noncurrent loans to loans | 1.9973% | 3,794 |
| Net loans and leases to total assets | 70.5445% | 2,792 |
| Net loans and leases to deposits | 93.8866% | 1,360 |
| Net loans and leases to core deposits | 98.4818% | 2,298 |
| Total domestic deposits to total assets | 75.1380% | 6,885 |
| Equity capital to assets | 10.4040% | 3,336 |
| Core capital (leverage) ratio | 9.4750% | 3,806 |
| Tier 1 risk-based capital ratio | 14.3130% | 3,482 |
| Total risk-based capital ratio | 15.5660% | 3,450 |
| Memoranda: | ||
| Average total assets | $443,004,500 | 1,587 |
| Average earning assets | $411,646,000 | 1,540 |
| Average equity | $45,089,000 | 1,494 |
| Average total loans | $312,695,500 | 1,508 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5393% | 3,933 |
| Cost of funding earning assets | 1.5889% | 5,078 |
| Net interest margin | 3.9504% | 3,076 |
| Noninterest income to average assets | 0.7300% | 2,787 |
| Noninterest expense to average assets | 2.8418% | 4,780 |
| Loan and lease loss provision to assets | 0.3114% | 4,957 |
| Net operating income to assets | 0.8611% | 2,308 |
| Return on assets (ROA) | 0.8854% | 2,296 |
| Pretax return on assets | 1.2837% | 1,739 |
| Return on Equity (ROE) | 8.6548% | 2,144 |
| Retained earnings to average equity (ytd only) | 3.6454% | 2,636 |
| Net charge-offs to loans | 0.2119% | 5,297 |
| Credit loss provision to net charge-offs | 199.2548% | 1,967 |
| Earnings coverage of net charge-offs (x) | 9.9806% | 1,735 |
| Efficiency ratio | 64.2165% | 5,736 |
| Assets per employee ($millions) | 3.1505% | 5,856 |
| Cash dividends to net income (ytd only)* | 57.8795% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2937% | 4,803 |
| Loan loss allowance to noncurrent loans | 98.0440% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.9551% | 5,199 |
| Noncurrent loans to loans | 1.3195% | 4,716 |
| Net loans and leases to total assets | 68.7564% | 3,538 |
| Net loans and leases to deposits | 93.8297% | 1,613 |
| Net loans and leases to core deposits | 108.9208% | 3,012 |
| Total domestic deposits to total assets | 73.2778% | 7,119 |
| Equity capital to assets | 9.9596% | 3,812 |
| Core capital (leverage) ratio | 9.5102% | 3,704 |
| Tier 1 risk-based capital ratio | 14.1325% | 3,417 |
| Total risk-based capital ratio | 15.3841% | 3,374 |
| Memoranda: | ||
| Average total assets | $429,298,400 | 1,614 |
| Average earning assets | $399,022,400 | 1,595 |
| Average equity | $43,917,800 | 1,523 |
| Average total loans | $316,680,000 | 1,516 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5748% | 4,002 |
| Cost of funding earning assets | 1.6540% | 5,141 |
| Net interest margin | 3.9208% | 3,156 |
| Noninterest income to average assets | 0.7437% | 2,740 |
| Noninterest expense to average assets | 2.8685% | 4,574 |
| Loan and lease loss provision to assets | 0.2918% | 4,644 |
| Net operating income to assets | 0.8465% | 2,632 |
| Return on assets (ROA) | 0.8792% | 2,573 |
| Pretax return on assets | 1.2751% | 2,028 |
| Return on Equity (ROE) | 8.5346% | 2,435 |
| Retained earnings to average equity (ytd only) | 3.6507% | 3,246 |
| Net charge-offs to loans | 0.2625% | 4,406 |
| Credit loss provision to net charge-offs | 148.4800% | 3,250 |
| Earnings coverage of net charge-offs (x) | 7.7312% | 2,358 |
| Efficiency ratio | 65.0208% | 5,548 |
| Assets per employee ($millions) | 2.9465% | 6,286 |
| Cash dividends to net income (ytd only)* | 57.2246% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1743% | 5,272 |
| Loan loss allowance to noncurrent loans | 82.0826% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 1.0636% | 4,951 |
| Noncurrent loans to loans | 1.4307% | 4,529 |
| Net loans and leases to total assets | 72.8201% | 2,841 |
| Net loans and leases to deposits | 102.4975% | 887 |
| Net loans and leases to core deposits | 120.6040% | 2,198 |
| Total domestic deposits to total assets | 71.0457% | 7,330 |
| Equity capital to assets | 10.4537% | 3,563 |
| Core capital (leverage) ratio | 9.7958% | 3,523 |
| Tier 1 risk-based capital ratio | 14.2090% | 3,438 |
| Total risk-based capital ratio | 15.4593% | 3,385 |
| Memoranda: | ||
| Average total assets | $423,992,750 | 1,650 |
| Average earning assets | $394,096,750 | 1,626 |
| Average equity | $43,679,750 | 1,553 |
| Average total loans | $317,394,500 | 1,532 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6182% | 3,976 |
| Cost of funding earning assets | 1.6884% | 5,328 |
| Net interest margin | 3.9298% | 2,977 |
| Noninterest income to average assets | 0.6909% | 3,046 |
| Noninterest expense to average assets | 2.8758% | 4,599 |
| Loan and lease loss provision to assets | 0.3003% | 4,160 |
| Net operating income to assets | 0.8053% | 2,835 |
| Return on assets (ROA) | 0.8546% | 2,737 |
| Pretax return on assets | 1.2395% | 2,196 |
| Return on Equity (ROE) | 8.3364% | 2,639 |
| Retained earnings to average equity (ytd only) | 6.0297% | 2,009 |
| Net charge-offs to loans | 0.3965% | 3,212 |
| Credit loss provision to net charge-offs | 100.6339% | 4,536 |
| Earnings coverage of net charge-offs (x) | 4.9208% | 2,957 |
| Efficiency ratio | 65.8393% | 5,571 |
| Assets per employee ($millions) | 3.0163% | 6,086 |
| Cash dividends to net income (ytd only)* | 27.6702% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0651% | 5,811 |
| Loan loss allowance to noncurrent loans | 83.4684% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 0.9764% | 5,022 |
| Noncurrent loans to loans | 1.2760% | 4,648 |
| Net loans and leases to total assets | 74.7490% | 2,507 |
| Net loans and leases to deposits | 104.8480% | 842 |
| Net loans and leases to core deposits | 124.3513% | 1,994 |
| Total domestic deposits to total assets | 71.2927% | 7,325 |
| Equity capital to assets | 10.4789% | 3,426 |
| Core capital (leverage) ratio | 9.8596% | 3,437 |
| Tier 1 risk-based capital ratio | 14.2162% | 3,394 |
| Total risk-based capital ratio | 15.3790% | 3,381 |
| Memoranda: | ||
| Average total assets | $422,908,330 | 1,678 |
| Average earning assets | $393,148,330 | 1,651 |
| Average equity | $43,352,000 | 1,569 |
| Average total loans | $318,253,330 | 1,562 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6724% | 3,930 |
| Cost of funding earning assets | 1.7142% | 5,537 |
| Net interest margin | 3.9582% | 2,819 |
| Noninterest income to average assets | 0.6427% | 3,251 |
| Noninterest expense to average assets | 2.8061% | 4,536 |
| Loan and lease loss provision to assets | 0.2278% | 4,167 |
| Net operating income to assets | 0.8821% | 2,784 |
| Return on assets (ROA) | 0.9791% | 2,528 |
| Pretax return on assets | 1.4309% | 1,881 |
| Return on Equity (ROE) | 9.6590% | 2,466 |
| Retained earnings to average equity (ytd only) | 4.9973% | 3,133 |
| Net charge-offs to loans | 0.2932% | 2,937 |
| Credit loss provision to net charge-offs | 103.4335% | 3,637 |
| Earnings coverage of net charge-offs (x) | 6.8841% | 2,425 |
| Efficiency ratio | 64.5747% | 5,581 |
| Assets per employee ($millions) | 3.0603% | 5,995 |
| Cash dividends to net income (ytd only)* | 48.2625% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0650% | 5,717 |
| Loan loss allowance to noncurrent loans | 82.5328% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 0.9900% | 4,718 |
| Noncurrent loans to loans | 1.2904% | 4,395 |
| Net loans and leases to total assets | 74.8299% | 2,546 |
| Net loans and leases to deposits | 103.4185% | 1,056 |
| Net loans and leases to core deposits | 123.9150% | 2,088 |
| Total domestic deposits to total assets | 72.3564% | 7,156 |
| Equity capital to assets | 10.2815% | 3,670 |
| Core capital (leverage) ratio | 9.7216% | 3,722 |
| Tier 1 risk-based capital ratio | 14.1162% | 3,514 |
| Total risk-based capital ratio | 15.2944% | 3,485 |
| Memoranda: | ||
| Average total assets | $423,224,500 | 1,687 |
| Average earning assets | $393,416,000 | 1,663 |
| Average equity | $42,903,000 | 1,595 |
| Average total loans | $317,857,500 | 1,578 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1140% | 4,967 |
| Cost of funding earning assets | 1.9994% | 6,418 |
| Net interest margin | 4.1145% | 2,647 |
| Noninterest income to average assets | 0.8416% | 2,286 |
| Noninterest expense to average assets | 3.0108% | 4,050 |
| Loan and lease loss provision to assets | 0.0921% | 6,218 |
| Net operating income to assets | 1.0597% | 2,310 |
| Return on assets (ROA) | 1.0597% | 2,213 |
| Pretax return on assets | 1.5751% | 1,462 |
| Return on Equity (ROE) | 10.4299% | 2,113 |
| Retained earnings to average equity (ytd only) | 0.9061% | 4,685 |
| Net charge-offs to loans | -0.0064% | 7,806 |
| Credit loss provision to net charge-offs | -1,958.8235% | 7,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2967% | 5,499 |
| Assets per employee ($millions) | 2.9659% | 6,130 |
| Cash dividends to net income (ytd only)* | 91.3123% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0731% | 5,467 |
| Loan loss allowance to noncurrent loans | 128.4147% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.6418% | 5,293 |
| Noncurrent loans to loans | 0.8356% | 4,964 |
| Net loans and leases to total assets | 73.7741% | 3,159 |
| Net loans and leases to deposits | 102.2356% | 1,565 |
| Net loans and leases to core deposits | 121.4682% | 2,557 |
| Total domestic deposits to total assets | 72.1609% | 6,970 |
| Equity capital to assets | 9.9935% | 4,044 |
| Core capital (leverage) ratio | 10.0960% | 3,360 |
| Tier 1 risk-based capital ratio | 14.0039% | 3,547 |
| Total risk-based capital ratio | 15.1861% | 3,496 |
| Memoranda: | ||
| Average total assets | $361,698,600 | 1,853 |
| Average earning assets | $337,243,200 | 1,825 |
| Average equity | $36,750,000 | 1,844 |
| Average total loans | $265,163,800 | 1,801 |