Home > The Community State Bank > Performance and Condition Ratios
The Community State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4795% | 1,189 |
| Cost of funding earning assets | 1.7834% | 1,273 |
| Net interest margin | 3.6961% | 1,770 |
| Noninterest income to average assets | 0.9900% | 650 |
| Noninterest expense to average assets | 3.7951% | 429 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.5524% | 3,560 |
| Return on assets (ROA) | 0.5524% | 3,550 |
| Pretax return on assets | 0.5793% | 3,674 |
| Return on Equity (ROE) | 9.4200% | 2,655 |
| Retained earnings to average equity (ytd only) | 4.4350% | 2,818 |
| Net charge-offs to loans | 0.1021% | 890 |
| Credit loss provision to net charge-offs | 120.1613% | 1,669 |
| Earnings coverage of net charge-offs (x) | 9.0161% | 2,317 |
| Efficiency ratio | 85.0254% | 612 |
| Assets per employee ($millions) | 3.2891% | 4,330 |
| Cash dividends to net income (ytd only)* | 52.9221% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3920% | 1,415 |
| Loan loss allowance to noncurrent loans | 188.8711% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.6078% | 905 |
| Noncurrent loans to loans | 0.7370% | 1,060 |
| Net loans and leases to total assets | 72.4100% | 1,534 |
| Net loans and leases to deposits | 83.9362% | 1,785 |
| Net loans and leases to core deposits | 103.1541% | 1,264 |
| Total domestic deposits to total assets | 86.2700% | 1,921 |
| Equity capital to assets | 6.2788% | 4,171 |
| Core capital (leverage) ratio | 9.5404% | 3,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6934% | 1,987 |
| Memoranda: | ||
| Average total assets | $334,535,000 | 2,250 |
| Average earning assets | $314,059,800 | 2,230 |
| Average equity | $19,616,800 | 2,892 |
| Average total loans | $242,863,600 | 2,045 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3475% | 1,213 |
| Cost of funding earning assets | 1.7147% | 1,158 |
| Net interest margin | 3.6328% | 1,918 |
| Noninterest income to average assets | 1.0100% | 629 |
| Noninterest expense to average assets | 3.8179% | 412 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.4601% | 3,849 |
| Return on assets (ROA) | 0.4601% | 3,850 |
| Pretax return on assets | 0.4890% | 3,920 |
| Return on Equity (ROE) | 7.9900% | 3,187 |
| Retained earnings to average equity (ytd only) | 3.2460% | 3,454 |
| Net charge-offs to loans | 0.1266% | 637 |
| Credit loss provision to net charge-offs | 122.8070% | 1,463 |
| Earnings coverage of net charge-offs (x) | 6.5658% | 2,279 |
| Efficiency ratio | 86.3897% | 498 |
| Assets per employee ($millions) | 3.0544% | 4,388 |
| Cash dividends to net income (ytd only)* | 59.3886% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4271% | 1,344 |
| Loan loss allowance to noncurrent loans | 196.7688% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.6196% | 941 |
| Noncurrent loans to loans | 0.7253% | 1,146 |
| Net loans and leases to total assets | 74.6500% | 1,274 |
| Net loans and leases to deposits | 81.3050% | 1,955 |
| Net loans and leases to core deposits | 91.8389% | 1,806 |
| Total domestic deposits to total assets | 91.8100% | 494 |
| Equity capital to assets | 5.4837% | 4,141 |
| Core capital (leverage) ratio | 9.3105% | 3,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8163% | 1,963 |
| Memoranda: | ||
| Average total assets | $331,830,500 | 2,260 |
| Average earning assets | $311,490,750 | 2,240 |
| Average equity | $19,100,000 | 2,927 |
| Average total loans | $240,181,500 | 2,057 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1437% | 1,297 |
| Cost of funding earning assets | 1.6300% | 998 |
| Net interest margin | 3.5136% | 2,232 |
| Noninterest income to average assets | 1.0000% | 566 |
| Noninterest expense to average assets | 3.8273% | 396 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 0.3364% | 4,107 |
| Return on assets (ROA) | 0.3364% | 4,130 |
| Pretax return on assets | 0.3574% | 4,170 |
| Return on Equity (ROE) | 5.7600% | 3,746 |
| Retained earnings to average equity (ytd only) | 3.1191% | 3,446 |
| Net charge-offs to loans | 0.1077% | 647 |
| Credit loss provision to net charge-offs | 153.1250% | 1,184 |
| Earnings coverage of net charge-offs (x) | 6.1875% | 2,136 |
| Efficiency ratio | 88.9601% | 384 |
| Assets per employee ($millions) | 3.1891% | 4,403 |
| Cash dividends to net income (ytd only)* | 45.8111% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4558% | 1,326 |
| Loan loss allowance to noncurrent loans | 171.5667% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.6101% | 882 |
| Noncurrent loans to loans | 0.8485% | 900 |
| Net loans and leases to total assets | 70.3800% | 1,699 |
| Net loans and leases to deposits | 76.7584% | 2,236 |
| Net loans and leases to core deposits | 86.3523% | 2,043 |
| Total domestic deposits to total assets | 91.6900% | 476 |
| Equity capital to assets | 5.7767% | 4,210 |
| Core capital (leverage) ratio | 9.0256% | 3,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8225% | 1,970 |
| Memoranda: | ||
| Average total assets | $333,499,667 | 2,263 |
| Average earning assets | $313,122,000 | 2,243 |
| Average equity | $19,492,667 | 2,908 |
| Average total loans | $237,745,333 | 2,064 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8904% | 1,431 |
| Cost of funding earning assets | 1.4248% | 984 |
| Net interest margin | 3.4657% | 2,456 |
| Noninterest income to average assets | 0.9900% | 585 |
| Noninterest expense to average assets | 3.6295% | 469 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 0.4550% | 3,993 |
| Return on assets (ROA) | 0.4550% | 3,943 |
| Pretax return on assets | 0.4854% | 4,009 |
| Return on Equity (ROE) | 7.7400% | 3,364 |
| Retained earnings to average equity (ytd only) | 7.7387% | 2,306 |
| Net charge-offs to loans | 0.2164% | 337 |
| Credit loss provision to net charge-offs | 83.4646% | 1,194 |
| Earnings coverage of net charge-offs (x) | 3.9843% | 1,867 |
| Efficiency ratio | 85.5305% | 527 |
| Assets per employee ($millions) | 3.2323% | 4,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4465% | 1,445 |
| Loan loss allowance to noncurrent loans | 180.3441% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 0.5639% | 914 |
| Noncurrent loans to loans | 0.8021% | 960 |
| Net loans and leases to total assets | 68.7800% | 1,754 |
| Net loans and leases to deposits | 74.9254% | 2,221 |
| Net loans and leases to core deposits | 83.9118% | 1,987 |
| Total domestic deposits to total assets | 91.8000% | 567 |
| Equity capital to assets | 5.7567% | 4,272 |
| Core capital (leverage) ratio | 9.2598% | 3,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8388% | 2,036 |
| Memoranda: | ||
| Average total assets | $329,634,500 | 2,315 |
| Average earning assets | $309,666,500 | 2,288 |
| Average equity | $19,383,000 | 2,943 |
| Average total loans | $234,762,000 | 2,097 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2438% | 1,170 |
| Cost of funding earning assets | 0.3190% | 2,730 |
| Net interest margin | 3.9248% | 908 |
| Noninterest income to average assets | 1.0100% | 629 |
| Noninterest expense to average assets | 3.6292% | 439 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.9026% | 2,946 |
| Return on assets (ROA) | 0.8765% | 2,997 |
| Pretax return on assets | 0.9171% | 3,304 |
| Return on Equity (ROE) | 13.5800% | 1,633 |
| Retained earnings to average equity (ytd only) | 7.2931% | 2,107 |
| Net charge-offs to loans | 0.0842% | 823 |
| Credit loss provision to net charge-offs | 209.7826% | 1,091 |
| Earnings coverage of net charge-offs (x) | 19.0326% | 1,918 |
| Efficiency ratio | 77.3729% | 896 |
| Assets per employee ($millions) | 3.0742% | 4,517 |
| Cash dividends to net income (ytd only)* | 46.3001% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5213% | 1,145 |
| Loan loss allowance to noncurrent loans | 189.3571% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 0.5931% | 845 |
| Noncurrent loans to loans | 0.8034% | 925 |
| Net loans and leases to total assets | 71.6600% | 1,457 |
| Net loans and leases to deposits | 81.0213% | 1,693 |
| Net loans and leases to core deposits | 88.2409% | 1,595 |
| Total domestic deposits to total assets | 88.4400% | 1,924 |
| Equity capital to assets | 6.0138% | 4,082 |
| Core capital (leverage) ratio | 9.5035% | 3,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1399% | 1,925 |
| Memoranda: | ||
| Average total assets | $329,962,800 | 2,300 |
| Average earning assets | $309,418,800 | 2,282 |
| Average equity | $21,294,200 | 2,833 |
| Average total loans | $218,594,000 | 2,116 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1022% | 1,063 |
| Cost of funding earning assets | 0.2323% | 2,904 |
| Net interest margin | 3.8699% | 845 |
| Noninterest income to average assets | 1.0000% | 662 |
| Noninterest expense to average assets | 3.6047% | 445 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 0.8729% | 2,993 |
| Return on assets (ROA) | 0.8729% | 2,960 |
| Pretax return on assets | 0.9181% | 3,265 |
| Return on Equity (ROE) | 13.3100% | 1,609 |
| Retained earnings to average equity (ytd only) | 7.1065% | 2,327 |
| Net charge-offs to loans | 0.0927% | 670 |
| Credit loss provision to net charge-offs | 184.6667% | 1,021 |
| Earnings coverage of net charge-offs (x) | 17.1467% | 1,798 |
| Efficiency ratio | 77.7950% | 931 |
| Assets per employee ($millions) | 3.1692% | 4,545 |
| Cash dividends to net income (ytd only)* | 46.6086% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5317% | 1,217 |
| Loan loss allowance to noncurrent loans | 155.7675% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 0.6828% | 760 |
| Noncurrent loans to loans | 0.9834% | 794 |
| Net loans and leases to total assets | 67.5500% | 1,722 |
| Net loans and leases to deposits | 74.9463% | 1,966 |
| Net loans and leases to core deposits | 81.8238% | 1,774 |
| Total domestic deposits to total assets | 90.1300% | 1,604 |
| Equity capital to assets | 5.1346% | 4,258 |
| Core capital (leverage) ratio | 9.0729% | 3,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3656% | 1,917 |
| Memoranda: | ||
| Average total assets | $333,293,250 | 2,305 |
| Average earning assets | $312,831,500 | 2,289 |
| Average equity | $21,857,250 | 2,833 |
| Average total loans | $215,643,250 | 2,132 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9709% | 981 |
| Cost of funding earning assets | 0.2024% | 2,886 |
| Net interest margin | 3.7686% | 804 |
| Noninterest income to average assets | 0.9667% | 720 |
| Noninterest expense to average assets | 3.5711% | 410 |
| Loan and lease loss provision to assets | 0.0954% | 1,043 |
| Net operating income to assets | 0.7998% | 2,958 |
| Return on assets (ROA) | 0.7998% | 2,925 |
| Pretax return on assets | 0.8403% | 3,231 |
| Return on Equity (ROE) | 11.3941% | 1,867 |
| Retained earnings to average equity (ytd only) | 5.6206% | 2,464 |
| Net charge-offs to loans | 0.0395% | 991 |
| Credit loss provision to net charge-offs | 380.9524% | 712 |
| Earnings coverage of net charge-offs (x) | 37.3810% | 1,292 |
| Efficiency ratio | 79.2383% | 1,004 |
| Assets per employee ($millions) | 3.2439% | 4,588 |
| Cash dividends to net income (ytd only)* | 50.6706% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5584% | 1,251 |
| Loan loss allowance to noncurrent loans | 162.0559% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 0.8018% | 652 |
| Noncurrent loans to loans | 0.9617% | 869 |
| Net loans and leases to total assets | 64.0540% | 1,908 |
| Net loans and leases to deposits | 71.0202% | 2,108 |
| Net loans and leases to core deposits | 77.9988% | 1,850 |
| Total domestic deposits to total assets | 90.1912% | 1,632 |
| Equity capital to assets | 5.2804% | 4,422 |
| Core capital (leverage) ratio | 8.8749% | 3,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1739% | 1,984 |
| Memoranda: | ||
| Average total assets | $335,581,000 | 2,305 |
| Average earning assets | $315,240,000 | 2,300 |
| Average equity | $23,556,000 | 2,774 |
| Average total loans | $212,881,667 | 2,155 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0204% | 741 |
| Cost of funding earning assets | 0.2196% | 2,537 |
| Net interest margin | 3.8008% | 633 |
| Noninterest income to average assets | 0.9165% | 817 |
| Noninterest expense to average assets | 3.5430% | 407 |
| Loan and lease loss provision to assets | 0.1195% | 699 |
| Net operating income to assets | 0.6548% | 3,216 |
| Return on assets (ROA) | 0.6548% | 3,195 |
| Pretax return on assets | 0.7086% | 3,367 |
| Return on Equity (ROE) | 8.2773% | 2,591 |
| Retained earnings to average equity (ytd only) | 8.2773% | 1,494 |
| Net charge-offs to loans | 0.0076% | 1,470 |
| Credit loss provision to net charge-offs | 2,500.0000% | 172 |
| Earnings coverage of net charge-offs (x) | 173.2500% | 474 |
| Efficiency ratio | 81.0552% | 1,064 |
| Assets per employee ($millions) | 3.2458% | 4,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6185% | 1,219 |
| Loan loss allowance to noncurrent loans | 150.9996% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.8509% | 635 |
| Noncurrent loans to loans | 1.0719% | 840 |
| Net loans and leases to total assets | 60.6224% | 1,999 |
| Net loans and leases to deposits | 66.9171% | 2,250 |
| Net loans and leases to core deposits | 73.5166% | 1,974 |
| Total domestic deposits to total assets | 90.5932% | 1,247 |
| Equity capital to assets | 7.1395% | 4,138 |
| Core capital (leverage) ratio | 8.7432% | 3,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6187% | 1,943 |
| Memoranda: | ||
| Average total assets | $334,745,500 | 2,322 |
| Average earning assets | $304,249,500 | 2,370 |
| Average equity | $26,482,000 | 2,685 |
| Average total loans | $209,565,000 | 2,171 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3511% | 779 |
| Cost of funding earning assets | 0.3410% | 2,017 |
| Net interest margin | 4.0101% | 694 |
| Noninterest income to average assets | 0.9278% | 1,140 |
| Noninterest expense to average assets | 3.5048% | 469 |
| Loan and lease loss provision to assets | 0.1423% | 843 |
| Net operating income to assets | 0.9736% | 2,780 |
| Return on assets (ROA) | 1.0043% | 2,721 |
| Pretax return on assets | 1.0485% | 3,130 |
| Return on Equity (ROE) | 11.5851% | 1,955 |
| Retained earnings to average equity (ytd only) | 6.0684% | 2,331 |
| Net charge-offs to loans | 0.0637% | 1,148 |
| Credit loss provision to net charge-offs | 351.1278% | 989 |
| Earnings coverage of net charge-offs (x) | 28.6015% | 1,643 |
| Efficiency ratio | 75.1535% | 1,193 |
| Assets per employee ($millions) | 3.0718% | 4,678 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5794% | 1,307 |
| Loan loss allowance to noncurrent loans | 96.8054% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 1.2383% | 388 |
| Noncurrent loans to loans | 1.6316% | 526 |
| Net loans and leases to total assets | 62.6202% | 1,868 |
| Net loans and leases to deposits | 70.3516% | 2,098 |
| Net loans and leases to core deposits | 78.9573% | 1,679 |
| Total domestic deposits to total assets | 89.0104% | 1,512 |
| Equity capital to assets | 8.7111% | 3,874 |
| Core capital (leverage) ratio | 8.8598% | 3,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7480% | 1,948 |
| Memoranda: | ||
| Average total assets | $328,293,200 | 2,302 |
| Average earning assets | $305,830,600 | 2,303 |
| Average equity | $28,459,000 | 2,618 |
| Average total loans | $208,638,200 | 2,181 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4140% | 790 |
| Cost of funding earning assets | 0.3707% | 1,930 |
| Net interest margin | 4.0432% | 722 |
| Noninterest income to average assets | 0.8998% | 1,256 |
| Noninterest expense to average assets | 3.5060% | 456 |
| Loan and lease loss provision to assets | 0.1085% | 1,114 |
| Net operating income to assets | 1.0365% | 2,782 |
| Return on assets (ROA) | 1.0802% | 2,688 |
| Pretax return on assets | 1.1188% | 3,160 |
| Return on Equity (ROE) | 12.4763% | 1,873 |
| Retained earnings to average equity (ytd only) | 6.7520% | 2,517 |
| Net charge-offs to loans | 0.0857% | 831 |
| Credit loss provision to net charge-offs | 199.2537% | 1,214 |
| Earnings coverage of net charge-offs (x) | 21.7164% | 1,705 |
| Efficiency ratio | 74.7834% | 1,149 |
| Assets per employee ($millions) | 3.1630% | 4,721 |
| Cash dividends to net income (ytd only)* | 45.8819% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4890% | 1,679 |
| Loan loss allowance to noncurrent loans | 89.0100% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 1.2474% | 463 |
| Noncurrent loans to loans | 1.6729% | 603 |
| Net loans and leases to total assets | 61.7922% | 2,030 |
| Net loans and leases to deposits | 69.5256% | 2,286 |
| Net loans and leases to core deposits | 80.6308% | 1,684 |
| Total domestic deposits to total assets | 88.8768% | 1,355 |
| Equity capital to assets | 8.7090% | 4,062 |
| Core capital (leverage) ratio | 8.5429% | 3,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6591% | 2,103 |
| Memoranda: | ||
| Average total assets | $328,195,750 | 2,330 |
| Average earning assets | $307,501,750 | 2,321 |
| Average equity | $28,415,750 | 2,651 |
| Average total loans | $208,516,500 | 2,210 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4439% | 797 |
| Cost of funding earning assets | 0.4045% | 1,849 |
| Net interest margin | 4.0393% | 765 |
| Noninterest income to average assets | 0.8786% | 1,331 |
| Noninterest expense to average assets | 3.4513% | 504 |
| Loan and lease loss provision to assets | 0.0214% | 2,543 |
| Net operating income to assets | 1.1639% | 2,319 |
| Return on assets (ROA) | 1.2016% | 2,259 |
| Pretax return on assets | 1.2261% | 2,840 |
| Return on Equity (ROE) | 13.9062% | 1,439 |
| Retained earnings to average equity (ytd only) | 8.3834% | 1,946 |
| Net charge-offs to loans | 0.1208% | 645 |
| Credit loss provision to net charge-offs | 27.7778% | 1,708 |
| Earnings coverage of net charge-offs (x) | 15.6825% | 1,628 |
| Efficiency ratio | 74.0580% | 1,240 |
| Assets per employee ($millions) | 3.1349% | 4,761 |
| Cash dividends to net income (ytd only)* | 39.7149% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3747% | 2,082 |
| Loan loss allowance to noncurrent loans | 84.4484% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 1.2009% | 568 |
| Noncurrent loans to loans | 1.6279% | 669 |
| Net loans and leases to total assets | 60.9852% | 2,310 |
| Net loans and leases to deposits | 68.4172% | 2,574 |
| Net loans and leases to core deposits | 81.0874% | 1,789 |
| Total domestic deposits to total assets | 89.1372% | 1,206 |
| Equity capital to assets | 8.5333% | 4,177 |
| Core capital (leverage) ratio | 8.3373% | 4,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8321% | 2,037 |
| Memoranda: | ||
| Average total assets | $326,888,333 | 2,327 |
| Average earning assets | $306,040,333 | 2,314 |
| Average equity | $28,246,333 | 2,653 |
| Average total loans | $208,580,333 | 2,220 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3479% | 970 |
| Cost of funding earning assets | 0.4497% | 1,724 |
| Net interest margin | 3.8982% | 988 |
| Noninterest income to average assets | 0.8584% | 1,433 |
| Noninterest expense to average assets | 3.4898% | 474 |
| Loan and lease loss provision to assets | 0.0062% | 2,687 |
| Net operating income to assets | 1.0266% | 2,722 |
| Return on assets (ROA) | 1.0241% | 2,810 |
| Pretax return on assets | 1.0104% | 3,342 |
| Return on Equity (ROE) | 11.7748% | 2,100 |
| Retained earnings to average equity (ytd only) | 7.1909% | 2,513 |
| Net charge-offs to loans | 0.2094% | 394 |
| Credit loss provision to net charge-offs | 4.5872% | 1,465 |
| Earnings coverage of net charge-offs (x) | 7.5046% | 1,611 |
| Efficiency ratio | 77.3971% | 1,008 |
| Assets per employee ($millions) | 3.1840% | 4,786 |
| Cash dividends to net income (ytd only)* | 38.9294% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3752% | 2,081 |
| Loan loss allowance to noncurrent loans | 109.0598% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 1.0083% | 815 |
| Noncurrent loans to loans | 1.2609% | 1,026 |
| Net loans and leases to total assets | 60.3111% | 2,506 |
| Net loans and leases to deposits | 67.2000% | 2,785 |
| Net loans and leases to core deposits | 80.3161% | 1,974 |
| Total domestic deposits to total assets | 89.7487% | 931 |
| Equity capital to assets | 7.9792% | 4,506 |
| Core capital (leverage) ratio | 8.6993% | 3,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3914% | 2,124 |
| Memoranda: | ||
| Average total assets | $321,048,000 | 2,334 |
| Average earning assets | $300,648,000 | 2,321 |
| Average equity | $27,924,000 | 2,675 |
| Average total loans | $208,193,000 | 2,226 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0960% | 415 |
| Cost of funding earning assets | 0.7999% | 1,211 |
| Net interest margin | 4.2961% | 512 |
| Noninterest income to average assets | 0.9026% | 1,260 |
| Noninterest expense to average assets | 3.7681% | 479 |
| Loan and lease loss provision to assets | 0.2163% | 1,817 |
| Net operating income to assets | 0.8469% | 2,912 |
| Return on assets (ROA) | 1.1209% | 1,959 |
| Pretax return on assets | 1.1996% | 2,323 |
| Return on Equity (ROE) | 11.8463% | 1,365 |
| Retained earnings to average equity (ytd only) | 5.8505% | 1,871 |
| Net charge-offs to loans | 0.1492% | 1,094 |
| Credit loss provision to net charge-offs | 200.3185% | 2,160 |
| Earnings coverage of net charge-offs (x) | 10.3854% | 2,463 |
| Efficiency ratio | 77.0675% | 1,116 |
| Assets per employee ($millions) | 2.8982% | 4,834 |
| Cash dividends to net income (ytd only)* | 50.6135% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4271% | 1,861 |
| Loan loss allowance to noncurrent loans | 108.0029% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 1.1831% | 742 |
| Noncurrent loans to loans | 1.3213% | 1,026 |
| Net loans and leases to total assets | 68.0404% | 1,824 |
| Net loans and leases to deposits | 77.4123% | 2,136 |
| Net loans and leases to core deposits | 85.7046% | 1,896 |
| Total domestic deposits to total assets | 87.8935% | 1,533 |
| Equity capital to assets | 9.5100% | 3,601 |
| Core capital (leverage) ratio | 9.0229% | 3,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7263% | 1,958 |
| Memoranda: | ||
| Average total assets | $290,839,600 | 2,340 |
| Average earning assets | $269,896,600 | 2,338 |
| Average equity | $27,519,200 | 2,637 |
| Average total loans | $210,403,000 | 2,162 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2095% | 407 |
| Cost of funding earning assets | 0.8618% | 1,204 |
| Net interest margin | 4.3477% | 533 |
| Noninterest income to average assets | 0.8859% | 1,270 |
| Noninterest expense to average assets | 3.8297% | 442 |
| Loan and lease loss provision to assets | 0.2446% | 1,663 |
| Net operating income to assets | 0.7843% | 3,154 |
| Return on assets (ROA) | 1.1001% | 2,105 |
| Pretax return on assets | 1.1797% | 2,458 |
| Return on Equity (ROE) | 11.6424% | 1,465 |
| Retained earnings to average equity (ytd only) | 5.5471% | 2,301 |
| Net charge-offs to loans | 0.0853% | 1,459 |
| Credit loss provision to net charge-offs | 391.8519% | 1,483 |
| Earnings coverage of net charge-offs (x) | 17.3704% | 2,018 |
| Efficiency ratio | 77.9253% | 1,044 |
| Assets per employee ($millions) | 3.0313% | 4,836 |
| Cash dividends to net income (ytd only)* | 52.3549% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4357% | 1,591 |
| Loan loss allowance to noncurrent loans | 94.0450% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 1.3023% | 724 |
| Noncurrent loans to loans | 1.5266% | 931 |
| Net loans and leases to total assets | 68.3466% | 2,186 |
| Net loans and leases to deposits | 77.5636% | 2,579 |
| Net loans and leases to core deposits | 87.8116% | 2,165 |
| Total domestic deposits to total assets | 88.1169% | 1,166 |
| Equity capital to assets | 9.1123% | 4,027 |
| Core capital (leverage) ratio | 8.8895% | 3,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4256% | 2,025 |
| Memoranda: | ||
| Average total assets | $288,197,250 | 2,338 |
| Average earning assets | $267,045,500 | 2,343 |
| Average equity | $27,233,000 | 2,645 |
| Average total loans | $210,991,500 | 2,159 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3395% | 451 |
| Cost of funding earning assets | 0.9345% | 1,218 |
| Net interest margin | 4.4050% | 608 |
| Noninterest income to average assets | 0.8596% | 1,261 |
| Noninterest expense to average assets | 3.9786% | 415 |
| Loan and lease loss provision to assets | 0.2750% | 1,555 |
| Net operating income to assets | 0.6168% | 3,679 |
| Return on assets (ROA) | 0.7980% | 3,164 |
| Pretax return on assets | 0.8774% | 3,382 |
| Return on Equity (ROE) | 8.3372% | 2,617 |
| Retained earnings to average equity (ytd only) | 2.4508% | 3,598 |
| Net charge-offs to loans | 0.1149% | 1,153 |
| Credit loss provision to net charge-offs | 320.6612% | 1,567 |
| Earnings coverage of net charge-offs (x) | 11.1157% | 2,114 |
| Efficiency ratio | 80.6725% | 841 |
| Assets per employee ($millions) | 3.0325% | 4,848 |
| Cash dividends to net income (ytd only)* | 70.6039% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3700% | 1,688 |
| Loan loss allowance to noncurrent loans | 84.1302% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 1.4255% | 675 |
| Noncurrent loans to loans | 1.6284% | 901 |
| Net loans and leases to total assets | 69.3474% | 2,136 |
| Net loans and leases to deposits | 78.6272% | 2,586 |
| Net loans and leases to core deposits | 89.6598% | 2,099 |
| Total domestic deposits to total assets | 88.1976% | 1,085 |
| Equity capital to assets | 8.9948% | 4,091 |
| Core capital (leverage) ratio | 8.8606% | 4,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9312% | 2,208 |
| Memoranda: | ||
| Average total assets | $282,210,667 | 2,349 |
| Average earning assets | $260,885,667 | 2,356 |
| Average equity | $27,011,333 | 2,645 |
| Average total loans | $210,556,667 | 2,147 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5334% | 345 |
| Cost of funding earning assets | 1.0033% | 1,402 |
| Net interest margin | 4.5301% | 473 |
| Noninterest income to average assets | 1.0129% | 831 |
| Noninterest expense to average assets | 4.0561% | 479 |
| Loan and lease loss provision to assets | 0.2768% | 1,125 |
| Net operating income to assets | 0.8613% | 2,652 |
| Return on assets (ROA) | 1.0968% | 1,955 |
| Pretax return on assets | 1.0968% | 2,534 |
| Return on Equity (ROE) | 11.0869% | 1,388 |
| Retained earnings to average equity (ytd only) | 11.0869% | 554 |
| Net charge-offs to loans | 0.2199% | 642 |
| Credit loss provision to net charge-offs | 163.4783% | 1,541 |
| Earnings coverage of net charge-offs (x) | 6.7217% | 1,970 |
| Efficiency ratio | 78.0896% | 1,320 |
| Assets per employee ($millions) | 2.8374% | 4,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 2,108 |
| Loan loss allowance to noncurrent loans | 84.4534% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 1.7334% | 551 |
| Noncurrent loans to loans | 1.5483% | 1,020 |
| Net loans and leases to total assets | 74.0177% | 1,598 |
| Net loans and leases to deposits | 84.8830% | 2,119 |
| Net loans and leases to core deposits | 103.9427% | 1,189 |
| Total domestic deposits to total assets | 87.1996% | 1,469 |
| Equity capital to assets | 9.8540% | 3,919 |
| Core capital (leverage) ratio | 9.5491% | 3,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5005% | 2,074 |
| Memoranda: | ||
| Average total assets | $271,689,500 | 2,360 |
| Average earning assets | $250,767,000 | 2,367 |
| Average equity | $26,878,500 | 2,644 |
| Average total loans | $209,225,500 | 2,121 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8164% | 313 |
| Cost of funding earning assets | 1.0186% | 1,641 |
| Net interest margin | 4.7978% | 395 |
| Noninterest income to average assets | 1.0355% | 899 |
| Noninterest expense to average assets | 4.0169% | 523 |
| Loan and lease loss provision to assets | 0.3536% | 427 |
| Net operating income to assets | 1.1139% | 2,385 |
| Return on assets (ROA) | 1.1508% | 2,352 |
| Pretax return on assets | 1.0976% | 3,174 |
| Return on Equity (ROE) | 12.2319% | 1,423 |
| Retained earnings to average equity (ytd only) | 5.1519% | 2,337 |
| Net charge-offs to loans | 0.1764% | 1,147 |
| Credit loss provision to net charge-offs | 258.6486% | 1,066 |
| Earnings coverage of net charge-offs (x) | 10.3459% | 2,578 |
| Efficiency ratio | 73.9610% | 1,604 |
| Assets per employee ($millions) | 2.7072% | 4,939 |
| Cash dividends to net income (ytd only)* | 57.8812% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2644% | 2,096 |
| Loan loss allowance to noncurrent loans | 78.0588% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 1.8838% | 442 |
| Noncurrent loans to loans | 1.6198% | 864 |
| Net loans and leases to total assets | 78.1161% | 1,066 |
| Net loans and leases to deposits | 89.7629% | 1,618 |
| Net loans and leases to core deposits | 107.1686% | 1,031 |
| Total domestic deposits to total assets | 87.0249% | 1,592 |
| Equity capital to assets | 9.9341% | 3,981 |
| Core capital (leverage) ratio | 9.5283% | 4,030 |
| Tier 1 risk-based capital ratio | 12.8516% | 3,873 |
| Total risk-based capital ratio | 14.1021% | 3,754 |
| Memoranda: | ||
| Average total assets | $270,680,000 | 2,327 |
| Average earning assets | $247,987,600 | 2,348 |
| Average equity | $25,466,200 | 2,684 |
| Average total loans | $209,691,600 | 2,081 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7729% | 367 |
| Cost of funding earning assets | 1.0010% | 1,756 |
| Net interest margin | 4.7719% | 437 |
| Noninterest income to average assets | 1.0303% | 875 |
| Noninterest expense to average assets | 3.9251% | 577 |
| Loan and lease loss provision to assets | 0.3710% | 353 |
| Net operating income to assets | 1.1719% | 2,298 |
| Return on assets (ROA) | 1.2053% | 2,259 |
| Pretax return on assets | 1.1347% | 3,187 |
| Return on Equity (ROE) | 12.9877% | 1,281 |
| Retained earnings to average equity (ytd only) | 5.8627% | 2,432 |
| Net charge-offs to loans | 0.2054% | 854 |
| Credit loss provision to net charge-offs | 234.3653% | 1,151 |
| Earnings coverage of net charge-offs (x) | 9.3002% | 2,581 |
| Efficiency ratio | 72.7207% | 1,735 |
| Assets per employee ($millions) | 2.6798% | 5,019 |
| Cash dividends to net income (ytd only)* | 54.8597% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1891% | 2,562 |
| Loan loss allowance to noncurrent loans | 71.9586% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 1.8425% | 529 |
| Noncurrent loans to loans | 1.6524% | 888 |
| Net loans and leases to total assets | 76.8173% | 1,343 |
| Net loans and leases to deposits | 90.0138% | 1,694 |
| Net loans and leases to core deposits | 103.5913% | 1,363 |
| Total domestic deposits to total assets | 85.3395% | 2,278 |
| Equity capital to assets | 9.6956% | 4,292 |
| Core capital (leverage) ratio | 9.3902% | 4,287 |
| Tier 1 risk-based capital ratio | 12.7859% | 3,966 |
| Total risk-based capital ratio | 14.0358% | 3,858 |
| Memoranda: | ||
| Average total assets | $272,022,750 | 2,339 |
| Average earning assets | $248,949,000 | 2,359 |
| Average equity | $25,243,750 | 2,714 |
| Average total loans | $209,638,750 | 2,104 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7094% | 399 |
| Cost of funding earning assets | 0.9797% | 1,796 |
| Net interest margin | 4.7297% | 467 |
| Noninterest income to average assets | 1.0151% | 853 |
| Noninterest expense to average assets | 3.9034% | 597 |
| Loan and lease loss provision to assets | 0.3002% | 461 |
| Net operating income to assets | 1.2405% | 2,005 |
| Return on assets (ROA) | 1.2463% | 2,030 |
| Pretax return on assets | 1.1406% | 3,116 |
| Return on Equity (ROE) | 13.6325% | 1,067 |
| Retained earnings to average equity (ytd only) | 6.6396% | 1,983 |
| Net charge-offs to loans | 0.2493% | 676 |
| Credit loss provision to net charge-offs | 156.7050% | 1,445 |
| Earnings coverage of net charge-offs (x) | 7.4904% | 2,486 |
| Efficiency ratio | 73.1198% | 1,758 |
| Assets per employee ($millions) | 2.5976% | 5,092 |
| Cash dividends to net income (ytd only)* | 51.2956% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0558% | 3,303 |
| Loan loss allowance to noncurrent loans | 62.2191% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 1.8471% | 531 |
| Noncurrent loans to loans | 1.6970% | 900 |
| Net loans and leases to total assets | 76.1045% | 1,530 |
| Net loans and leases to deposits | 88.7671% | 1,892 |
| Net loans and leases to core deposits | 102.1486% | 1,540 |
| Total domestic deposits to total assets | 85.7351% | 2,166 |
| Equity capital to assets | 9.4179% | 4,483 |
| Core capital (leverage) ratio | 9.1253% | 4,527 |
| Tier 1 risk-based capital ratio | 12.6502% | 4,046 |
| Total risk-based capital ratio | 13.7626% | 4,007 |
| Memoranda: | ||
| Average total assets | $272,477,330 | 2,343 |
| Average earning assets | $249,064,670 | 2,368 |
| Average equity | $24,911,000 | 2,732 |
| Average total loans | $209,380,000 | 2,114 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6382% | 399 |
| Cost of funding earning assets | 0.9693% | 1,701 |
| Net interest margin | 4.6690% | 528 |
| Noninterest income to average assets | 0.9591% | 900 |
| Noninterest expense to average assets | 3.8642% | 618 |
| Loan and lease loss provision to assets | 0.2776% | 488 |
| Net operating income to assets | 1.2807% | 1,772 |
| Return on assets (ROA) | 1.2866% | 1,788 |
| Pretax return on assets | 1.0751% | 3,220 |
| Return on Equity (ROE) | 14.2886% | 904 |
| Retained earnings to average equity (ytd only) | 14.2886% | 333 |
| Net charge-offs to loans | 0.1013% | 1,134 |
| Credit loss provision to net charge-offs | 356.6038% | 753 |
| Earnings coverage of net charge-offs (x) | 17.3019% | 1,663 |
| Efficiency ratio | 74.1545% | 1,740 |
| Assets per employee ($millions) | 2.6855% | 5,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0489% | 3,420 |
| Loan loss allowance to noncurrent loans | 51.5804% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 2.0585% | 460 |
| Noncurrent loans to loans | 2.0335% | 723 |
| Net loans and leases to total assets | 75.1342% | 1,621 |
| Net loans and leases to deposits | 87.1846% | 1,973 |
| Net loans and leases to core deposits | 98.9652% | 1,710 |
| Total domestic deposits to total assets | 86.1783% | 2,194 |
| Equity capital to assets | 9.1223% | 4,598 |
| Core capital (leverage) ratio | 9.1419% | 4,530 |
| Tier 1 risk-based capital ratio | 12.4270% | 4,218 |
| Total risk-based capital ratio | 13.5117% | 4,182 |
| Memoranda: | ||
| Average total assets | $272,343,000 | 2,362 |
| Average earning assets | $248,021,000 | 2,396 |
| Average equity | $24,523,000 | 2,759 |
| Average total loans | $209,176,500 | 2,141 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5316% | 374 |
| Cost of funding earning assets | 0.7668% | 1,704 |
| Net interest margin | 4.7649% | 426 |
| Noninterest income to average assets | 1.0172% | 915 |
| Noninterest expense to average assets | 4.1398% | 440 |
| Loan and lease loss provision to assets | 0.1880% | 1,023 |
| Net operating income to assets | 1.0466% | 2,819 |
| Return on assets (ROA) | 1.0359% | 2,846 |
| Pretax return on assets | 1.0359% | 3,492 |
| Return on Equity (ROE) | 11.6756% | 1,834 |
| Retained earnings to average equity (ytd only) | 4.8494% | 2,861 |
| Net charge-offs to loans | 0.0875% | 1,902 |
| Credit loss provision to net charge-offs | 277.9661% | 1,090 |
| Earnings coverage of net charge-offs (x) | 18.2542% | 2,146 |
| Efficiency ratio | 77.0281% | 1,234 |
| Assets per employee ($millions) | 2.5290% | 5,198 |
| Cash dividends to net income (ytd only)* | 58.4655% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9922% | 3,748 |
| Loan loss allowance to noncurrent loans | 73.9800% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 1.5865% | 717 |
| Noncurrent loans to loans | 1.3412% | 1,170 |
| Net loans and leases to total assets | 76.9387% | 1,452 |
| Net loans and leases to deposits | 89.3343% | 1,884 |
| Net loans and leases to core deposits | 99.0439% | 1,789 |
| Total domestic deposits to total assets | 86.1245% | 2,169 |
| Equity capital to assets | 8.8829% | 4,673 |
| Core capital (leverage) ratio | 9.2721% | 4,379 |
| Tier 1 risk-based capital ratio | 12.1165% | 4,352 |
| Total risk-based capital ratio | 13.1446% | 4,385 |
| Memoranda: | ||
| Average total assets | $261,702,000 | 2,390 |
| Average earning assets | $239,314,200 | 2,415 |
| Average equity | $23,219,400 | 2,792 |
| Average total loans | $202,290,400 | 2,158 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4448% | 404 |
| Cost of funding earning assets | 0.7285% | 1,692 |
| Net interest margin | 4.7163% | 457 |
| Noninterest income to average assets | 1.0283% | 905 |
| Noninterest expense to average assets | 4.2376% | 379 |
| Loan and lease loss provision to assets | 0.1989% | 875 |
| Net operating income to assets | 0.9222% | 3,420 |
| Return on assets (ROA) | 0.9078% | 3,496 |
| Pretax return on assets | 0.9078% | 3,996 |
| Return on Equity (ROE) | 10.2348% | 2,511 |
| Retained earnings to average equity (ytd only) | 3.4155% | 4,058 |
| Net charge-offs to loans | 0.0936% | 1,560 |
| Credit loss provision to net charge-offs | 275.1773% | 1,094 |
| Earnings coverage of net charge-offs (x) | 15.5103% | 2,219 |
| Efficiency ratio | 79.0798% | 1,024 |
| Assets per employee ($millions) | 2.4321% | 5,304 |
| Cash dividends to net income (ytd only)* | 66.6290% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9661% | 3,969 |
| Loan loss allowance to noncurrent loans | 73.3578% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.6252% | 768 |
| Noncurrent loans to loans | 1.3170% | 1,266 |
| Net loans and leases to total assets | 78.0092% | 1,344 |
| Net loans and leases to deposits | 90.5538% | 1,818 |
| Net loans and leases to core deposits | 105.0353% | 1,378 |
| Total domestic deposits to total assets | 86.1468% | 2,123 |
| Equity capital to assets | 8.7087% | 4,789 |
| Core capital (leverage) ratio | 9.0569% | 4,653 |
| Tier 1 risk-based capital ratio | 11.8913% | 4,561 |
| Total risk-based capital ratio | 12.8890% | 4,602 |
| Memoranda: | ||
| Average total assets | $260,108,250 | 2,411 |
| Average earning assets | $238,827,000 | 2,432 |
| Average equity | $23,071,000 | 2,823 |
| Average total loans | $200,782,500 | 2,177 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3946% | 394 |
| Cost of funding earning assets | 0.6968% | 1,638 |
| Net interest margin | 4.6978% | 435 |
| Noninterest income to average assets | 1.0029% | 957 |
| Noninterest expense to average assets | 4.2352% | 394 |
| Loan and lease loss provision to assets | 0.2199% | 744 |
| Net operating income to assets | 0.8594% | 3,632 |
| Return on assets (ROA) | 0.8378% | 3,728 |
| Pretax return on assets | 0.8378% | 4,140 |
| Return on Equity (ROE) | 9.3878% | 2,857 |
| Retained earnings to average equity (ytd only) | 2.9564% | 4,071 |
| Net charge-offs to loans | 0.0181% | 2,535 |
| Credit loss provision to net charge-offs | 1,583.3333% | 262 |
| Earnings coverage of net charge-offs (x) | 77.7222% | 835 |
| Efficiency ratio | 79.6923% | 1,046 |
| Assets per employee ($millions) | 2.3823% | 5,363 |
| Cash dividends to net income (ytd only)* | 68.5083% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9942% | 3,884 |
| Loan loss allowance to noncurrent loans | 89.7732% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 1.3898% | 1,001 |
| Noncurrent loans to loans | 1.1075% | 1,594 |
| Net loans and leases to total assets | 76.7209% | 1,525 |
| Net loans and leases to deposits | 89.0820% | 1,964 |
| Net loans and leases to core deposits | 103.8272% | 1,413 |
| Total domestic deposits to total assets | 86.1239% | 2,225 |
| Equity capital to assets | 8.7798% | 4,738 |
| Core capital (leverage) ratio | 9.0125% | 4,677 |
| Tier 1 risk-based capital ratio | 12.0169% | 4,481 |
| Total risk-based capital ratio | 13.0459% | 4,506 |
| Memoranda: | ||
| Average total assets | $259,254,670 | 2,430 |
| Average earning assets | $237,940,670 | 2,453 |
| Average equity | $23,136,330 | 2,831 |
| Average total loans | $198,741,670 | 2,201 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2977% | 405 |
| Cost of funding earning assets | 0.6817% | 1,537 |
| Net interest margin | 4.6160% | 484 |
| Noninterest income to average assets | 0.9913% | 927 |
| Noninterest expense to average assets | 4.2318% | 390 |
| Loan and lease loss provision to assets | 0.2094% | 775 |
| Net operating income to assets | 0.7834% | 3,777 |
| Return on assets (ROA) | 0.7834% | 3,777 |
| Pretax return on assets | 0.7834% | 4,195 |
| Return on Equity (ROE) | 8.7067% | 3,057 |
| Retained earnings to average equity (ytd only) | 8.3619% | 1,702 |
| Net charge-offs to loans | 0.0265% | 1,971 |
| Credit loss provision to net charge-offs | 1,038.4615% | 331 |
| Earnings coverage of net charge-offs (x) | 49.2308% | 952 |
| Efficiency ratio | 80.9976% | 1,039 |
| Assets per employee ($millions) | 2.4933% | 5,400 |
| Cash dividends to net income (ytd only)* | 3.9604% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9484% | 4,225 |
| Loan loss allowance to noncurrent loans | 86.5189% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 1.3594% | 1,079 |
| Noncurrent loans to loans | 1.0962% | 1,667 |
| Net loans and leases to total assets | 74.7583% | 1,749 |
| Net loans and leases to deposits | 86.7952% | 2,074 |
| Net loans and leases to core deposits | 101.0757% | 1,608 |
| Total domestic deposits to total assets | 86.1318% | 2,488 |
| Equity capital to assets | 8.8308% | 4,718 |
| Core capital (leverage) ratio | 9.0996% | 4,568 |
| Tier 1 risk-based capital ratio | 12.3987% | 4,305 |
| Total risk-based capital ratio | 13.3782% | 4,367 |
| Memoranda: | ||
| Average total assets | $257,854,500 | 2,460 |
| Average earning assets | $236,479,500 | 2,478 |
| Average equity | $23,200,500 | 2,843 |
| Average total loans | $196,577,500 | 2,223 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3454% | 340 |
| Cost of funding earning assets | 0.5516% | 1,937 |
| Net interest margin | 4.7938% | 357 |
| Noninterest income to average assets | 0.9345% | 1,176 |
| Noninterest expense to average assets | 4.3365% | 361 |
| Loan and lease loss provision to assets | 0.0239% | 3,817 |
| Net operating income to assets | 1.0102% | 2,194 |
| Return on assets (ROA) | 1.0430% | 2,110 |
| Pretax return on assets | 1.0138% | 3,514 |
| Return on Equity (ROE) | 11.5591% | 1,328 |
| Retained earnings to average equity (ytd only) | 5.6607% | 1,733 |
| Net charge-offs to loans | 0.1933% | 1,317 |
| Credit loss provision to net charge-offs | 16.0763% | 3,634 |
| Earnings coverage of net charge-offs (x) | 6.7657% | 3,141 |
| Efficiency ratio | 81.1865% | 987 |
| Assets per employee ($millions) | 2.3954% | 5,492 |
| Cash dividends to net income (ytd only)* | 51.0283% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8959% | 4,487 |
| Loan loss allowance to noncurrent loans | 193.8053% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.9106% | 1,702 |
| Noncurrent loans to loans | 0.4623% | 3,123 |
| Net loans and leases to total assets | 76.3312% | 1,534 |
| Net loans and leases to deposits | 89.0786% | 1,888 |
| Net loans and leases to core deposits | 106.9627% | 1,214 |
| Total domestic deposits to total assets | 85.6897% | 2,582 |
| Equity capital to assets | 9.1695% | 4,558 |
| Core capital (leverage) ratio | 9.2586% | 4,337 |
| Tier 1 risk-based capital ratio | 12.2854% | 4,343 |
| Total risk-based capital ratio | 13.2117% | 4,440 |
| Memoranda: | ||
| Average total assets | $247,087,400 | 2,508 |
| Average earning assets | $227,146,600 | 2,525 |
| Average equity | $22,294,200 | 2,924 |
| Average total loans | $189,870,400 | 2,241 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2995% | 338 |
| Cost of funding earning assets | 0.5195% | 2,110 |
| Net interest margin | 4.7800% | 353 |
| Noninterest income to average assets | 0.9069% | 1,251 |
| Noninterest expense to average assets | 4.2941% | 377 |
| Loan and lease loss provision to assets | 0.0141% | 3,866 |
| Net operating income to assets | 0.9981% | 2,564 |
| Return on assets (ROA) | 1.0416% | 2,404 |
| Pretax return on assets | 1.0416% | 3,521 |
| Return on Equity (ROE) | 11.5930% | 1,462 |
| Retained earnings to average equity (ytd only) | 4.7291% | 3,067 |
| Net charge-offs to loans | 0.2073% | 1,035 |
| Credit loss provision to net charge-offs | 8.8737% | 3,233 |
| Earnings coverage of net charge-offs (x) | 6.3583% | 2,990 |
| Efficiency ratio | 80.9236% | 1,004 |
| Assets per employee ($millions) | 2.2995% | 5,576 |
| Cash dividends to net income (ytd only)* | 59.2072% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9292% | 4,431 |
| Loan loss allowance to noncurrent loans | 130.2106% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 1.1852% | 1,390 |
| Noncurrent loans to loans | 0.7136% | 2,572 |
| Net loans and leases to total assets | 78.4287% | 1,209 |
| Net loans and leases to deposits | 89.9327% | 1,816 |
| Net loans and leases to core deposits | 109.1365% | 1,084 |
| Total domestic deposits to total assets | 87.2082% | 1,769 |
| Equity capital to assets | 9.3374% | 4,611 |
| Core capital (leverage) ratio | 9.3030% | 4,405 |
| Tier 1 risk-based capital ratio | 12.2461% | 4,466 |
| Total risk-based capital ratio | 13.2110% | 4,532 |
| Memoranda: | ||
| Average total assets | $245,382,250 | 2,541 |
| Average earning assets | $225,851,250 | 2,559 |
| Average equity | $22,047,250 | 2,977 |
| Average total loans | $188,447,250 | 2,265 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2118% | 390 |
| Cost of funding earning assets | 0.5076% | 2,108 |
| Net interest margin | 4.7043% | 391 |
| Noninterest income to average assets | 0.9442% | 1,144 |
| Noninterest expense to average assets | 4.3216% | 361 |
| Loan and lease loss provision to assets | 0.0049% | 3,810 |
| Net operating income to assets | 0.9515% | 2,648 |
| Return on assets (ROA) | 0.9507% | 2,712 |
| Pretax return on assets | 0.9507% | 3,759 |
| Return on Equity (ROE) | 10.7200% | 1,752 |
| Retained earnings to average equity (ytd only) | 4.0808% | 3,280 |
| Net charge-offs to loans | 0.0663% | 1,978 |
| Credit loss provision to net charge-offs | 9.6774% | 2,857 |
| Earnings coverage of net charge-offs (x) | 18.9677% | 1,857 |
| Efficiency ratio | 81.8798% | 1,019 |
| Assets per employee ($millions) | 2.3752% | 5,599 |
| Cash dividends to net income (ytd only)* | 61.9333% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0522% | 3,838 |
| Loan loss allowance to noncurrent loans | 111.3333% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 1.4711% | 1,049 |
| Noncurrent loans to loans | 0.9451% | 2,072 |
| Net loans and leases to total assets | 76.2942% | 1,501 |
| Net loans and leases to deposits | 87.1730% | 2,081 |
| Net loans and leases to core deposits | 105.9960% | 1,234 |
| Total domestic deposits to total assets | 87.5204% | 1,707 |
| Equity capital to assets | 9.1697% | 4,746 |
| Core capital (leverage) ratio | 8.8151% | 4,933 |
| Tier 1 risk-based capital ratio | 12.3026% | 4,426 |
| Total risk-based capital ratio | 13.3964% | 4,415 |
| Memoranda: | ||
| Average total assets | $245,926,330 | 2,548 |
| Average earning assets | $226,561,000 | 2,569 |
| Average equity | $21,809,670 | 2,996 |
| Average total loans | $186,942,000 | 2,284 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1581% | 405 |
| Cost of funding earning assets | 0.4980% | 2,103 |
| Net interest margin | 4.6602% | 399 |
| Noninterest income to average assets | 0.9243% | 1,177 |
| Noninterest expense to average assets | 4.5252% | 324 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7010% | 3,697 |
| Return on assets (ROA) | 0.7058% | 3,718 |
| Pretax return on assets | 0.7058% | 4,436 |
| Return on Equity (ROE) | 8.0976% | 2,873 |
| Retained earnings to average equity (ytd only) | 8.0976% | 1,421 |
| Net charge-offs to loans | 0.0302% | 2,157 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 30.7143% | 1,205 |
| Efficiency ratio | 86.5876% | 752 |
| Assets per employee ($millions) | 2.6619% | 5,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0795% | 3,826 |
| Loan loss allowance to noncurrent loans | 217.8914% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.5875% | 2,885 |
| Noncurrent loans to loans | 0.4954% | 3,318 |
| Net loans and leases to total assets | 72.6130% | 1,986 |
| Net loans and leases to deposits | 82.0456% | 2,505 |
| Net loans and leases to core deposits | 98.7200% | 1,606 |
| Total domestic deposits to total assets | 88.5032% | 1,421 |
| Equity capital to assets | 8.3895% | 5,308 |
| Core capital (leverage) ratio | 9.2378% | 4,422 |
| Tier 1 risk-based capital ratio | 12.2624% | 4,535 |
| Total risk-based capital ratio | 13.3761% | 4,533 |
| Memoranda: | ||
| Average total assets | $245,379,500 | 2,574 |
| Average earning assets | $226,516,000 | 2,589 |
| Average equity | $21,389,000 | 3,045 |
| Average total loans | $185,180,000 | 2,316 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2976% | 357 |
| Cost of funding earning assets | 0.4817% | 2,240 |
| Net interest margin | 4.8159% | 340 |
| Noninterest income to average assets | 0.9738% | 1,210 |
| Noninterest expense to average assets | 4.0730% | 545 |
| Loan and lease loss provision to assets | 0.1606% | 1,536 |
| Net operating income to assets | 1.1767% | 1,585 |
| Return on assets (ROA) | 1.3144% | 1,241 |
| Pretax return on assets | 1.3144% | 2,236 |
| Return on Equity (ROE) | 13.7708% | 815 |
| Retained earnings to average equity (ytd only) | 4.5360% | 2,671 |
| Net charge-offs to loans | 0.0391% | 3,244 |
| Credit loss provision to net charge-offs | 539.1304% | 620 |
| Earnings coverage of net charge-offs (x) | 44.8986% | 1,084 |
| Efficiency ratio | 75.2832% | 2,100 |
| Assets per employee ($millions) | 2.3975% | 5,707 |
| Cash dividends to net income (ytd only)* | 67.0608% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1392% | 3,494 |
| Loan loss allowance to noncurrent loans | 206.6199% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.6773% | 2,681 |
| Noncurrent loans to loans | 0.5514% | 3,195 |
| Net loans and leases to total assets | 76.8697% | 1,385 |
| Net loans and leases to deposits | 88.9166% | 1,816 |
| Net loans and leases to core deposits | 106.4134% | 1,104 |
| Total domestic deposits to total assets | 86.4514% | 2,398 |
| Equity capital to assets | 9.0800% | 4,733 |
| Core capital (leverage) ratio | 9.4076% | 4,215 |
| Tier 1 risk-based capital ratio | 12.7127% | 4,266 |
| Total risk-based capital ratio | 13.8980% | 4,185 |
| Memoranda: | ||
| Average total assets | $231,670,600 | 2,650 |
| Average earning assets | $213,416,800 | 2,662 |
| Average equity | $22,112,000 | 2,978 |
| Average total loans | $176,534,000 | 2,348 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2711% | 386 |
| Cost of funding earning assets | 0.4713% | 2,351 |
| Net interest margin | 4.7998% | 365 |
| Noninterest income to average assets | 0.9701% | 1,214 |
| Noninterest expense to average assets | 4.0290% | 568 |
| Loan and lease loss provision to assets | 0.1803% | 1,230 |
| Net operating income to assets | 1.1838% | 1,695 |
| Return on assets (ROA) | 1.3503% | 1,244 |
| Pretax return on assets | 1.3503% | 2,236 |
| Return on Equity (ROE) | 13.9764% | 832 |
| Retained earnings to average equity (ytd only) | 4.3885% | 3,213 |
| Net charge-offs to loans | 0.0182% | 3,351 |
| Credit loss provision to net charge-offs | 1,304.1667% | 325 |
| Earnings coverage of net charge-offs (x) | 98.6641% | 669 |
| Efficiency ratio | 74.7063% | 2,158 |
| Assets per employee ($millions) | 2.4485% | 5,754 |
| Cash dividends to net income (ytd only)* | 68.6007% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1510% | 3,534 |
| Loan loss allowance to noncurrent loans | 238.1839% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.6866% | 2,856 |
| Noncurrent loans to loans | 0.4832% | 3,559 |
| Net loans and leases to total assets | 75.5402% | 1,606 |
| Net loans and leases to deposits | 88.1046% | 2,000 |
| Net loans and leases to core deposits | 102.9054% | 1,424 |
| Total domestic deposits to total assets | 85.7392% | 2,487 |
| Equity capital to assets | 9.6698% | 4,496 |
| Core capital (leverage) ratio | 9.3957% | 4,330 |
| Tier 1 risk-based capital ratio | 12.6186% | 4,396 |
| Total risk-based capital ratio | 13.8014% | 4,349 |
| Memoranda: | ||
| Average total assets | $231,449,250 | 2,656 |
| Average earning assets | $213,283,500 | 2,674 |
| Average equity | $22,361,000 | 2,982 |
| Average total loans | $175,461,250 | 2,361 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2415% | 399 |
| Cost of funding earning assets | 0.4651% | 2,423 |
| Net interest margin | 4.7764% | 388 |
| Noninterest income to average assets | 0.9487% | 1,242 |
| Noninterest expense to average assets | 4.0128% | 581 |
| Loan and lease loss provision to assets | 0.1333% | 1,717 |
| Net operating income to assets | 1.2023% | 1,589 |
| Return on assets (ROA) | 1.3927% | 1,133 |
| Pretax return on assets | 1.3927% | 2,057 |
| Return on Equity (ROE) | 14.4195% | 766 |
| Retained earnings to average equity (ytd only) | 4.7139% | 2,915 |
| Net charge-offs to loans | -0.0137% | 4,797 |
| Credit loss provision to net charge-offs | -1,283.3333% | 5,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0283% | 2,219 |
| Assets per employee ($millions) | 2.4616% | 5,809 |
| Cash dividends to net income (ytd only)* | 67.3089% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0925% | 3,983 |
| Loan loss allowance to noncurrent loans | 1,062.4309% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.4045% | 3,873 |
| Noncurrent loans to loans | 0.1028% | 5,034 |
| Net loans and leases to total assets | 74.4461% | 1,742 |
| Net loans and leases to deposits | 86.9361% | 2,139 |
| Net loans and leases to core deposits | 101.1669% | 1,543 |
| Total domestic deposits to total assets | 85.6332% | 2,595 |
| Equity capital to assets | 9.6891% | 4,564 |
| Core capital (leverage) ratio | 9.1975% | 4,601 |
| Tier 1 risk-based capital ratio | 12.5964% | 4,449 |
| Total risk-based capital ratio | 13.7169% | 4,453 |
| Memoranda: | ||
| Average total assets | $231,062,330 | 2,669 |
| Average earning assets | $212,838,330 | 2,685 |
| Average equity | $22,317,000 | 2,991 |
| Average total loans | $174,695,000 | 2,365 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1990% | 421 |
| Cost of funding earning assets | 0.4597% | 2,466 |
| Net interest margin | 4.7392% | 401 |
| Noninterest income to average assets | 1.0223% | 1,030 |
| Noninterest expense to average assets | 4.0180% | 589 |
| Loan and lease loss provision to assets | 0.2508% | 702 |
| Net operating income to assets | 1.1164% | 1,843 |
| Return on assets (ROA) | 1.3533% | 1,198 |
| Pretax return on assets | 1.3533% | 2,078 |
| Return on Equity (ROE) | 14.0338% | 826 |
| Retained earnings to average equity (ytd only) | 14.0338% | 316 |
| Net charge-offs to loans | 0.0253% | 2,427 |
| Credit loss provision to net charge-offs | 1,309.0909% | 312 |
| Earnings coverage of net charge-offs (x) | 71.3636% | 682 |
| Efficiency ratio | 74.6119% | 2,388 |
| Assets per employee ($millions) | 2.5422% | 5,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0846% | 4,139 |
| Loan loss allowance to noncurrent loans | 1,227.2727% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.4306% | 3,862 |
| Noncurrent loans to loans | 0.0884% | 5,119 |
| Net loans and leases to total assets | 73.6989% | 1,776 |
| Net loans and leases to deposits | 85.7750% | 2,083 |
| Net loans and leases to core deposits | 99.4702% | 1,524 |
| Total domestic deposits to total assets | 85.9212% | 2,699 |
| Equity capital to assets | 9.6304% | 4,533 |
| Core capital (leverage) ratio | 9.4372% | 4,299 |
| Tier 1 risk-based capital ratio | 12.5444% | 4,547 |
| Total risk-based capital ratio | 13.6286% | 4,566 |
| Memoranda: | ||
| Average total assets | $229,668,000 | 2,695 |
| Average earning assets | $211,427,000 | 2,703 |
| Average equity | $22,146,500 | 3,011 |
| Average total loans | $174,034,500 | 2,369 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2536% | 393 |
| Cost of funding earning assets | 0.4478% | 2,645 |
| Net interest margin | 4.8058% | 368 |
| Noninterest income to average assets | 0.9918% | 1,197 |
| Noninterest expense to average assets | 3.9743% | 695 |
| Loan and lease loss provision to assets | 0.2316% | 853 |
| Net operating income to assets | 1.1895% | 1,589 |
| Return on assets (ROA) | 1.2084% | 1,590 |
| Pretax return on assets | 1.2084% | 2,628 |
| Return on Equity (ROE) | 13.0386% | 1,052 |
| Retained earnings to average equity (ytd only) | 4.4935% | 2,787 |
| Net charge-offs to loans | 0.2186% | 1,349 |
| Credit loss provision to net charge-offs | 142.9348% | 1,837 |
| Earnings coverage of net charge-offs (x) | 8.7717% | 2,902 |
| Efficiency ratio | 73.6619% | 2,631 |
| Assets per employee ($millions) | 2.4506% | 5,915 |
| Cash dividends to net income (ytd only)* | 65.5373% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0109% | 4,538 |
| Loan loss allowance to noncurrent loans | 597.6190% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.5088% | 3,606 |
| Noncurrent loans to loans | 0.1692% | 4,812 |
| Net loans and leases to total assets | 76.3142% | 1,357 |
| Net loans and leases to deposits | 90.3430% | 1,574 |
| Net loans and leases to core deposits | 101.4452% | 1,405 |
| Total domestic deposits to total assets | 84.4716% | 3,298 |
| Equity capital to assets | 9.6557% | 4,364 |
| Core capital (leverage) ratio | 9.2723% | 4,513 |
| Tier 1 risk-based capital ratio | 12.1711% | 4,843 |
| Total risk-based capital ratio | 13.1851% | 4,898 |
| Memoranda: | ||
| Average total assets | $227,159,000 | 2,688 |
| Average earning assets | $208,144,800 | 2,690 |
| Average equity | $21,052,800 | 3,068 |
| Average total loans | $168,332,800 | 2,369 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1763% | 453 |
| Cost of funding earning assets | 0.4490% | 2,698 |
| Net interest margin | 4.7273% | 435 |
| Noninterest income to average assets | 0.9233% | 1,389 |
| Noninterest expense to average assets | 3.8660% | 774 |
| Loan and lease loss provision to assets | 0.2080% | 947 |
| Net operating income to assets | 1.1793% | 1,718 |
| Return on assets (ROA) | 1.1805% | 1,783 |
| Pretax return on assets | 1.1805% | 2,889 |
| Return on Equity (ROE) | 12.8707% | 1,155 |
| Retained earnings to average equity (ytd only) | 4.4074% | 3,335 |
| Net charge-offs to loans | 0.1022% | 2,115 |
| Credit loss provision to net charge-offs | 277.3438% | 1,039 |
| Earnings coverage of net charge-offs (x) | 18.5002% | 1,996 |
| Efficiency ratio | 73.5921% | 2,621 |
| Assets per employee ($millions) | 2.4683% | 5,972 |
| Cash dividends to net income (ytd only)* | 65.7567% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0707% | 4,384 |
| Loan loss allowance to noncurrent loans | 205.3993% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.5993% | 3,474 |
| Noncurrent loans to loans | 0.5213% | 3,792 |
| Net loans and leases to total assets | 74.2971% | 1,683 |
| Net loans and leases to deposits | 86.3766% | 2,102 |
| Net loans and leases to core deposits | 95.5752% | 1,924 |
| Total domestic deposits to total assets | 86.0152% | 2,513 |
| Equity capital to assets | 9.3147% | 4,987 |
| Core capital (leverage) ratio | 9.2176% | 4,708 |
| Tier 1 risk-based capital ratio | 12.0331% | 5,063 |
| Total risk-based capital ratio | 13.0877% | 5,101 |
| Memoranda: | ||
| Average total assets | $227,585,750 | 2,706 |
| Average earning assets | $208,456,500 | 2,716 |
| Average equity | $20,873,750 | 3,109 |
| Average total loans | $166,963,750 | 2,400 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0899% | 519 |
| Cost of funding earning assets | 0.4529% | 2,693 |
| Net interest margin | 4.6370% | 494 |
| Noninterest income to average assets | 0.9352% | 1,343 |
| Noninterest expense to average assets | 3.8884% | 775 |
| Loan and lease loss provision to assets | 0.2108% | 920 |
| Net operating income to assets | 1.0801% | 2,009 |
| Return on assets (ROA) | 1.1003% | 2,043 |
| Pretax return on assets | 1.1003% | 3,174 |
| Return on Equity (ROE) | 12.0591% | 1,352 |
| Retained earnings to average equity (ytd only) | 4.1673% | 3,378 |
| Net charge-offs to loans | 0.1448% | 1,623 |
| Credit loss provision to net charge-offs | 200.0000% | 1,223 |
| Earnings coverage of net charge-offs (x) | 12.2500% | 2,227 |
| Efficiency ratio | 75.0763% | 2,527 |
| Assets per employee ($millions) | 2.4816% | 6,041 |
| Cash dividends to net income (ytd only)* | 65.4429% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0378% | 4,671 |
| Loan loss allowance to noncurrent loans | 210.4039% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.6771% | 3,370 |
| Noncurrent loans to loans | 0.4932% | 3,992 |
| Net loans and leases to total assets | 72.5886% | 1,884 |
| Net loans and leases to deposits | 84.2140% | 2,289 |
| Net loans and leases to core deposits | 93.5816% | 1,999 |
| Total domestic deposits to total assets | 86.1953% | 2,585 |
| Equity capital to assets | 9.1361% | 5,099 |
| Core capital (leverage) ratio | 8.9962% | 4,975 |
| Tier 1 risk-based capital ratio | 12.0089% | 5,146 |
| Total risk-based capital ratio | 13.0121% | 5,211 |
| Memoranda: | ||
| Average total assets | $227,753,330 | 2,721 |
| Average earning assets | $208,453,330 | 2,726 |
| Average equity | $20,781,000 | 3,134 |
| Average total loans | $165,771,000 | 2,421 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0277% | 554 |
| Cost of funding earning assets | 0.4543% | 2,729 |
| Net interest margin | 4.5734% | 530 |
| Noninterest income to average assets | 0.9829% | 1,158 |
| Noninterest expense to average assets | 3.8738% | 802 |
| Loan and lease loss provision to assets | 0.2518% | 651 |
| Net operating income to assets | 1.0476% | 2,043 |
| Return on assets (ROA) | 1.0983% | 1,988 |
| Pretax return on assets | 1.0983% | 3,087 |
| Return on Equity (ROE) | 12.0448% | 1,336 |
| Retained earnings to average equity (ytd only) | 4.0661% | 3,563 |
| Net charge-offs to loans | 0.1230% | 1,528 |
| Credit loss provision to net charge-offs | 282.3529% | 849 |
| Earnings coverage of net charge-offs (x) | 14.5686% | 1,665 |
| Efficiency ratio | 74.8817% | 2,671 |
| Assets per employee ($millions) | 2.5596% | 6,068 |
| Cash dividends to net income (ytd only)* | 66.2420% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0126% | 4,953 |
| Loan loss allowance to noncurrent loans | 978.0347% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.5177% | 3,951 |
| Noncurrent loans to loans | 0.1035% | 5,386 |
| Net loans and leases to total assets | 70.2379% | 2,109 |
| Net loans and leases to deposits | 81.0325% | 2,446 |
| Net loans and leases to core deposits | 89.2759% | 2,202 |
| Total domestic deposits to total assets | 86.6788% | 2,561 |
| Equity capital to assets | 8.8929% | 5,401 |
| Core capital (leverage) ratio | 9.0005% | 4,952 |
| Tier 1 risk-based capital ratio | 11.7568% | 5,405 |
| Total risk-based capital ratio | 12.7340% | 5,478 |
| Memoranda: | ||
| Average total assets | $228,715,500 | 2,731 |
| Average earning assets | $209,558,000 | 2,733 |
| Average equity | $20,855,500 | 3,147 |
| Average total loans | $165,834,000 | 2,426 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4786% | 333 |
| Cost of funding earning assets | 0.5277% | 2,411 |
| Net interest margin | 4.9509% | 328 |
| Noninterest income to average assets | 1.0629% | 1,075 |
| Noninterest expense to average assets | 4.1881% | 610 |
| Loan and lease loss provision to assets | 0.2618% | 847 |
| Net operating income to assets | 1.1212% | 1,899 |
| Return on assets (ROA) | 1.1497% | 1,838 |
| Pretax return on assets | 1.1501% | 2,872 |
| Return on Equity (ROE) | 12.4522% | 1,277 |
| Retained earnings to average equity (ytd only) | 5.4175% | 2,318 |
| Net charge-offs to loans | 0.2281% | 1,846 |
| Credit loss provision to net charge-offs | 154.1209% | 1,576 |
| Earnings coverage of net charge-offs (x) | 8.1456% | 2,920 |
| Efficiency ratio | 75.1696% | 2,643 |
| Assets per employee ($millions) | 2.4125% | 6,211 |
| Cash dividends to net income (ytd only)* | 56.4935% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9716% | 5,195 |
| Loan loss allowance to noncurrent loans | 160.5422% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.7281% | 3,389 |
| Noncurrent loans to loans | 0.6052% | 3,859 |
| Net loans and leases to total assets | 73.4310% | 1,680 |
| Net loans and leases to deposits | 85.3938% | 2,052 |
| Net loans and leases to core deposits | 94.3308% | 1,886 |
| Total domestic deposits to total assets | 85.9910% | 2,852 |
| Equity capital to assets | 9.3580% | 4,901 |
| Core capital (leverage) ratio | 9.1634% | 4,727 |
| Tier 1 risk-based capital ratio | 12.5284% | 5,024 |
| Total risk-based capital ratio | 13.5228% | 5,092 |
| Memoranda: | ||
| Average total assets | $214,323,600 | 2,838 |
| Average earning assets | $195,178,400 | 2,853 |
| Average equity | $19,787,600 | 3,183 |
| Average total loans | $159,590,800 | 2,431 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4685% | 332 |
| Cost of funding earning assets | 0.5323% | 2,446 |
| Net interest margin | 4.9362% | 332 |
| Noninterest income to average assets | 1.0645% | 1,084 |
| Noninterest expense to average assets | 4.1458% | 646 |
| Loan and lease loss provision to assets | 0.2617% | 815 |
| Net operating income to assets | 1.1499% | 1,867 |
| Return on assets (ROA) | 1.1750% | 1,845 |
| Pretax return on assets | 1.1756% | 2,884 |
| Return on Equity (ROE) | 12.7722% | 1,273 |
| Retained earnings to average equity (ytd only) | 5.1034% | 3,017 |
| Net charge-offs to loans | 0.1844% | 1,981 |
| Credit loss provision to net charge-offs | 190.4110% | 1,324 |
| Earnings coverage of net charge-offs (x) | 10.2741% | 2,563 |
| Efficiency ratio | 74.5906% | 2,718 |
| Assets per employee ($millions) | 2.4253% | 6,277 |
| Cash dividends to net income (ytd only)* | 60.0427% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9912% | 5,253 |
| Loan loss allowance to noncurrent loans | 116.3636% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 0.6760% | 3,810 |
| Noncurrent loans to loans | 0.8518% | 3,435 |
| Net loans and leases to total assets | 72.4182% | 1,778 |
| Net loans and leases to deposits | 84.1930% | 2,123 |
| Net loans and leases to core deposits | 92.9610% | 1,958 |
| Total domestic deposits to total assets | 86.0145% | 2,838 |
| Equity capital to assets | 9.2007% | 5,147 |
| Core capital (leverage) ratio | 9.0431% | 5,015 |
| Tier 1 risk-based capital ratio | 12.5276% | 5,152 |
| Total risk-based capital ratio | 13.5388% | 5,228 |
| Memoranda: | ||
| Average total assets | $212,417,000 | 2,880 |
| Average earning assets | $193,370,250 | 2,897 |
| Average equity | $19,542,000 | 3,218 |
| Average total loans | $158,343,750 | 2,461 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5114% | 298 |
| Cost of funding earning assets | 0.5303% | 2,534 |
| Net interest margin | 4.9810% | 293 |
| Noninterest income to average assets | 1.0722% | 1,039 |
| Noninterest expense to average assets | 4.2078% | 592 |
| Loan and lease loss provision to assets | 0.2604% | 814 |
| Net operating income to assets | 1.1276% | 1,829 |
| Return on assets (ROA) | 1.1552% | 1,818 |
| Pretax return on assets | 1.1562% | 2,850 |
| Return on Equity (ROE) | 12.5575% | 1,295 |
| Retained earnings to average equity (ytd only) | 5.3092% | 2,754 |
| Net charge-offs to loans | 0.2517% | 1,548 |
| Credit loss provision to net charge-offs | 137.8788% | 1,547 |
| Earnings coverage of net charge-offs (x) | 7.3535% | 2,646 |
| Efficiency ratio | 75.1832% | 2,778 |
| Assets per employee ($millions) | 2.4122% | 6,346 |
| Cash dividends to net income (ytd only)* | 57.7209% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9248% | 5,648 |
| Loan loss allowance to noncurrent loans | 90.6135% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 0.8068% | 3,546 |
| Noncurrent loans to loans | 1.0206% | 3,194 |
| Net loans and leases to total assets | 72.0801% | 1,732 |
| Net loans and leases to deposits | 83.5512% | 2,079 |
| Net loans and leases to core deposits | 92.4088% | 1,909 |
| Total domestic deposits to total assets | 86.2706% | 2,892 |
| Equity capital to assets | 8.9671% | 5,334 |
| Core capital (leverage) ratio | 8.9703% | 5,063 |
| Tier 1 risk-based capital ratio | 12.4229% | 5,283 |
| Total risk-based capital ratio | 13.3597% | 5,400 |
| Memoranda: | ||
| Average total assets | $209,656,000 | 2,919 |
| Average earning assets | $190,442,000 | 2,945 |
| Average equity | $19,287,330 | 3,244 |
| Average total loans | $157,316,000 | 2,481 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6475% | 242 |
| Cost of funding earning assets | 0.5224% | 2,685 |
| Net interest margin | 5.1251% | 214 |
| Noninterest income to average assets | 1.0785% | 959 |
| Noninterest expense to average assets | 4.3727% | 515 |
| Loan and lease loss provision to assets | 0.2169% | 1,051 |
| Net operating income to assets | 1.1274% | 1,710 |
| Return on assets (ROA) | 1.1840% | 1,596 |
| Pretax return on assets | 1.1840% | 2,553 |
| Return on Equity (ROE) | 12.6984% | 1,239 |
| Retained earnings to average equity (ytd only) | 12.6984% | 528 |
| Net charge-offs to loans | 0.0333% | 2,927 |
| Credit loss provision to net charge-offs | 853.8462% | 354 |
| Earnings coverage of net charge-offs (x) | 52.9231% | 726 |
| Efficiency ratio | 76.4867% | 2,728 |
| Assets per employee ($millions) | 2.2538% | 6,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9581% | 5,672 |
| Loan loss allowance to noncurrent loans | 93.2836% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 0.8104% | 3,714 |
| Noncurrent loans to loans | 1.0271% | 3,370 |
| Net loans and leases to total assets | 73.1857% | 1,398 |
| Net loans and leases to deposits | 85.1074% | 1,712 |
| Net loans and leases to core deposits | 92.6973% | 1,666 |
| Total domestic deposits to total assets | 85.9922% | 3,367 |
| Equity capital to assets | 9.1296% | 4,971 |
| Core capital (leverage) ratio | 9.6595% | 4,047 |
| Tier 1 risk-based capital ratio | 12.8457% | 5,095 |
| Total risk-based capital ratio | 13.8248% | 5,206 |
| Memoranda: | ||
| Average total assets | $204,727,000 | 3,000 |
| Average earning assets | $185,285,000 | 3,029 |
| Average equity | $19,089,000 | 3,268 |
| Average total loans | $156,122,500 | 2,506 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8863% | 203 |
| Cost of funding earning assets | 0.5494% | 3,116 |
| Net interest margin | 5.3369% | 176 |
| Noninterest income to average assets | 1.1332% | 1,093 |
| Noninterest expense to average assets | 4.3879% | 580 |
| Loan and lease loss provision to assets | 0.2310% | 1,565 |
| Net operating income to assets | 0.8588% | 2,984 |
| Return on assets (ROA) | 0.9162% | 2,786 |
| Pretax return on assets | 1.3838% | 1,852 |
| Return on Equity (ROE) | 9.5334% | 2,318 |
| Retained earnings to average equity (ytd only) | 6.1879% | 1,860 |
| Net charge-offs to loans | 0.3479% | 1,943 |
| Credit loss provision to net charge-offs | 86.0153% | 2,875 |
| Earnings coverage of net charge-offs (x) | 5.6897% | 3,237 |
| Efficiency ratio | 74.1739% | 3,103 |
| Assets per employee ($millions) | 2.1247% | 6,599 |
| Cash dividends to net income (ytd only)* | 35.0926% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9005% | 5,926 |
| Loan loss allowance to noncurrent loans | 87.4065% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 0.8821% | 3,684 |
| Noncurrent loans to loans | 1.0302% | 3,453 |
| Net loans and leases to total assets | 78.0853% | 819 |
| Net loans and leases to deposits | 90.3227% | 1,206 |
| Net loans and leases to core deposits | 95.2061% | 1,514 |
| Total domestic deposits to total assets | 86.4514% | 3,022 |
| Equity capital to assets | 9.5327% | 4,375 |
| Core capital (leverage) ratio | 9.6644% | 4,033 |
| Tier 1 risk-based capital ratio | 12.5188% | 5,274 |
| Total risk-based capital ratio | 13.4390% | 5,432 |
| Memoranda: | ||
| Average total assets | $194,397,200 | 3,092 |
| Average earning assets | $174,201,200 | 3,164 |
| Average equity | $18,681,600 | 3,316 |
| Average total loans | $150,025,800 | 2,555 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9196% | 201 |
| Cost of funding earning assets | 0.5316% | 3,450 |
| Net interest margin | 5.3880% | 164 |
| Noninterest income to average assets | 1.1150% | 1,178 |
| Noninterest expense to average assets | 4.3429% | 605 |
| Loan and lease loss provision to assets | 0.2617% | 1,349 |
| Net operating income to assets | 0.9229% | 2,726 |
| Return on assets (ROA) | 1.1240% | 1,985 |
| Pretax return on assets | 1.6246% | 1,282 |
| Return on Equity (ROE) | 11.6717% | 1,587 |
| Retained earnings to average equity (ytd only) | 8.4534% | 1,235 |
| Net charge-offs to loans | 0.3705% | 1,718 |
| Credit loss provision to net charge-offs | 92.0097% | 2,583 |
| Earnings coverage of net charge-offs (x) | 5.6078% | 3,149 |
| Efficiency ratio | 73.1385% | 3,201 |
| Assets per employee ($millions) | 2.1396% | 6,663 |
| Cash dividends to net income (ytd only)* | 27.5737% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9356% | 5,959 |
| Loan loss allowance to noncurrent loans | 133.1487% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.6383% | 4,525 |
| Noncurrent loans to loans | 0.7027% | 4,446 |
| Net loans and leases to total assets | 76.7319% | 903 |
| Net loans and leases to deposits | 91.1067% | 1,053 |
| Net loans and leases to core deposits | 95.9781% | 1,395 |
| Total domestic deposits to total assets | 84.2221% | 4,104 |
| Equity capital to assets | 9.3682% | 4,720 |
| Core capital (leverage) ratio | 9.7026% | 4,102 |
| Tier 1 risk-based capital ratio | 12.5165% | 5,448 |
| Total risk-based capital ratio | 13.4614% | 5,569 |
| Memoranda: | ||
| Average total assets | $193,598,250 | 3,131 |
| Average earning assets | $173,295,500 | 3,198 |
| Average equity | $18,643,000 | 3,353 |
| Average total loans | $148,609,000 | 2,591 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9195% | 205 |
| Cost of funding earning assets | 0.5351% | 3,547 |
| Net interest margin | 5.3845% | 160 |
| Noninterest income to average assets | 1.0782% | 1,313 |
| Noninterest expense to average assets | 4.4160% | 566 |
| Loan and lease loss provision to assets | 0.2336% | 1,597 |
| Net operating income to assets | 0.8693% | 2,955 |
| Return on assets (ROA) | 1.1825% | 1,745 |
| Pretax return on assets | 1.6757% | 1,172 |
| Return on Equity (ROE) | 12.1650% | 1,438 |
| Retained earnings to average equity (ytd only) | 8.9467% | 1,141 |
| Net charge-offs to loans | 0.3475% | 1,802 |
| Credit loss provision to net charge-offs | 87.8431% | 2,490 |
| Earnings coverage of net charge-offs (x) | 5.5216% | 2,881 |
| Efficiency ratio | 75.0487% | 2,937 |
| Assets per employee ($millions) | 2.0909% | 6,721 |
| Cash dividends to net income (ytd only)* | 26.4550% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9533% | 5,979 |
| Loan loss allowance to noncurrent loans | 107.2808% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 1.0407% | 3,673 |
| Noncurrent loans to loans | 0.8886% | 4,152 |
| Net loans and leases to total assets | 77.9901% | 747 |
| Net loans and leases to deposits | 92.1467% | 944 |
| Net loans and leases to core deposits | 93.9017% | 1,527 |
| Total domestic deposits to total assets | 84.6369% | 4,067 |
| Equity capital to assets | 9.6760% | 4,348 |
| Core capital (leverage) ratio | 9.7495% | 3,866 |
| Tier 1 risk-based capital ratio | 12.4373% | 5,543 |
| Total risk-based capital ratio | 13.3951% | 5,652 |
| Memoranda: | ||
| Average total assets | $191,804,000 | 3,170 |
| Average earning assets | $171,195,670 | 3,233 |
| Average equity | $18,643,670 | 3,380 |
| Average total loans | $146,770,670 | 2,623 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8902% | 198 |
| Cost of funding earning assets | 0.5342% | 3,734 |
| Net interest margin | 5.3560% | 156 |
| Noninterest income to average assets | 0.9753% | 1,534 |
| Noninterest expense to average assets | 4.5634% | 509 |
| Loan and lease loss provision to assets | 0.1545% | 2,325 |
| Net operating income to assets | 0.8258% | 3,021 |
| Return on assets (ROA) | 1.4139% | 1,090 |
| Pretax return on assets | 1.7669% | 943 |
| Return on Equity (ROE) | 14.5131% | 861 |
| Retained earnings to average equity (ytd only) | 11.2975% | 819 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3680% | 2,417 |
| Assets per employee ($millions) | 2.0288% | 6,830 |
| Cash dividends to net income (ytd only)* | 22.1566% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0503% | 5,793 |
| Loan loss allowance to noncurrent loans | 84.0934% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 1.2469% | 3,482 |
| Noncurrent loans to loans | 1.2490% | 3,688 |
| Net loans and leases to total assets | 76.5191% | 777 |
| Net loans and leases to deposits | 88.9507% | 1,053 |
| Net loans and leases to core deposits | 91.2552% | 1,585 |
| Total domestic deposits to total assets | 86.0242% | 3,517 |
| Equity capital to assets | 9.7951% | 4,429 |
| Core capital (leverage) ratio | 9.5036% | 4,068 |
| Tier 1 risk-based capital ratio | 12.4090% | 5,631 |
| Total risk-based capital ratio | 13.4618% | 5,743 |
| Memoranda: | ||
| Average total assets | $191,524,500 | 3,206 |
| Average earning assets | $170,724,000 | 3,272 |
| Average equity | $18,659,000 | 3,428 |
| Average total loans | $144,422,000 | 2,659 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8753% | 327 |
| Cost of funding earning assets | 0.6196% | 4,179 |
| Net interest margin | 5.2557% | 248 |
| Noninterest income to average assets | 1.0708% | 1,360 |
| Noninterest expense to average assets | 4.3854% | 631 |
| Loan and lease loss provision to assets | 0.1967% | 3,175 |
| Net operating income to assets | 0.8175% | 3,203 |
| Return on assets (ROA) | 1.1781% | 1,837 |
| Pretax return on assets | 1.7153% | 1,096 |
| Return on Equity (ROE) | 12.4202% | 1,384 |
| Retained earnings to average equity (ytd only) | 6.8057% | 1,670 |
| Net charge-offs to loans | 0.2122% | 3,690 |
| Credit loss provision to net charge-offs | 128.7671% | 2,185 |
| Earnings coverage of net charge-offs (x) | 9.0959% | 2,310 |
| Efficiency ratio | 75.9398% | 2,754 |
| Assets per employee ($millions) | 2.0907% | 6,882 |
| Cash dividends to net income (ytd only)* | 45.2043% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0434% | 5,790 |
| Loan loss allowance to noncurrent loans | 115.1444% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.9655% | 4,097 |
| Noncurrent loans to loans | 0.9062% | 4,375 |
| Net loans and leases to total assets | 72.7312% | 1,384 |
| Net loans and leases to deposits | 86.3691% | 1,467 |
| Net loans and leases to core deposits | 88.6335% | 2,014 |
| Total domestic deposits to total assets | 84.2098% | 4,221 |
| Equity capital to assets | 9.6901% | 4,603 |
| Core capital (leverage) ratio | 9.3070% | 4,406 |
| Tier 1 risk-based capital ratio | 12.2801% | 5,611 |
| Total risk-based capital ratio | 13.3017% | 5,711 |
| Memoranda: | ||
| Average total assets | $191,157,200 | 3,164 |
| Average earning assets | $171,090,000 | 3,214 |
| Average equity | $18,131,800 | 3,448 |
| Average total loans | $137,580,800 | 2,746 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8717% | 351 |
| Cost of funding earning assets | 0.6435% | 4,247 |
| Net interest margin | 5.2282% | 280 |
| Noninterest income to average assets | 1.0800% | 1,291 |
| Noninterest expense to average assets | 4.4338% | 580 |
| Loan and lease loss provision to assets | 0.2319% | 2,721 |
| Net operating income to assets | 0.6860% | 3,976 |
| Return on assets (ROA) | 1.0933% | 2,312 |
| Pretax return on assets | 1.7443% | 1,174 |
| Return on Equity (ROE) | 11.5889% | 1,764 |
| Retained earnings to average equity (ytd only) | 8.6047% | 1,375 |
| Net charge-offs to loans | 0.3006% | 2,937 |
| Credit loss provision to net charge-offs | 107.7922% | 2,727 |
| Earnings coverage of net charge-offs (x) | 6.2272% | 2,831 |
| Efficiency ratio | 76.7937% | 2,551 |
| Assets per employee ($millions) | 2.0473% | 6,986 |
| Cash dividends to net income (ytd only)* | 25.7509% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0170% | 6,017 |
| Loan loss allowance to noncurrent loans | 128.0543% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.9925% | 4,294 |
| Noncurrent loans to loans | 0.7942% | 4,816 |
| Net loans and leases to total assets | 71.5670% | 1,633 |
| Net loans and leases to deposits | 83.1301% | 1,982 |
| Net loans and leases to core deposits | 85.6664% | 2,507 |
| Total domestic deposits to total assets | 86.0904% | 3,202 |
| Equity capital to assets | 9.6237% | 5,029 |
| Core capital (leverage) ratio | 9.2748% | 4,632 |
| Tier 1 risk-based capital ratio | 12.6212% | 5,542 |
| Total risk-based capital ratio | 13.6326% | 5,686 |
| Memoranda: | ||
| Average total assets | $190,861,250 | 3,197 |
| Average earning assets | $171,347,750 | 3,244 |
| Average equity | $18,005,250 | 3,502 |
| Average total loans | $136,634,250 | 2,799 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8255% | 393 |
| Cost of funding earning assets | 0.6470% | 4,469 |
| Net interest margin | 5.1785% | 304 |
| Noninterest income to average assets | 1.0960% | 1,194 |
| Noninterest expense to average assets | 4.4248% | 589 |
| Loan and lease loss provision to assets | 0.2207% | 2,871 |
| Net operating income to assets | 0.7454% | 3,627 |
| Return on assets (ROA) | 1.2946% | 1,604 |
| Pretax return on assets | 1.9292% | 807 |
| Return on Equity (ROE) | 13.8166% | 1,167 |
| Retained earnings to average equity (ytd only) | 9.2970% | 1,175 |
| Net charge-offs to loans | 0.2106% | 3,306 |
| Credit loss provision to net charge-offs | 146.8531% | 1,886 |
| Earnings coverage of net charge-offs (x) | 8.8531% | 2,236 |
| Efficiency ratio | 76.8852% | 2,617 |
| Assets per employee ($millions) | 2.0641% | 7,035 |
| Cash dividends to net income (ytd only)* | 32.7110% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0687% | 5,897 |
| Loan loss allowance to noncurrent loans | 86.9410% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 1.1679% | 4,060 |
| Noncurrent loans to loans | 1.2292% | 4,088 |
| Net loans and leases to total assets | 70.3087% | 1,867 |
| Net loans and leases to deposits | 83.0864% | 1,965 |
| Net loans and leases to core deposits | 86.6412% | 2,340 |
| Total domestic deposits to total assets | 84.6212% | 4,043 |
| Equity capital to assets | 9.4304% | 5,158 |
| Core capital (leverage) ratio | 9.1411% | 4,702 |
| Tier 1 risk-based capital ratio | 12.7531% | 5,376 |
| Total risk-based capital ratio | 13.8263% | 5,497 |
| Memoranda: | ||
| Average total assets | $190,334,330 | 3,212 |
| Average earning assets | $171,246,000 | 3,256 |
| Average equity | $17,833,670 | 3,519 |
| Average total loans | $135,799,000 | 2,821 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8529% | 390 |
| Cost of funding earning assets | 0.6709% | 4,529 |
| Net interest margin | 5.1820% | 302 |
| Noninterest income to average assets | 1.0701% | 1,260 |
| Noninterest expense to average assets | 4.3056% | 656 |
| Loan and lease loss provision to assets | 0.3588% | 1,756 |
| Net operating income to assets | 0.8301% | 3,253 |
| Return on assets (ROA) | 1.6779% | 835 |
| Pretax return on assets | 2.1549% | 578 |
| Return on Equity (ROE) | 17.9671% | 553 |
| Retained earnings to average equity (ytd only) | 17.9671% | 258 |
| Net charge-offs to loans | 0.3838% | 2,158 |
| Credit loss provision to net charge-offs | 130.7692% | 1,860 |
| Earnings coverage of net charge-offs (x) | 5.2000% | 2,419 |
| Efficiency ratio | 75.1105% | 2,918 |
| Assets per employee ($millions) | 2.0507% | 7,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0425% | 6,107 |
| Loan loss allowance to noncurrent loans | 189.5364% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.6926% | 5,163 |
| Noncurrent loans to loans | 0.5500% | 5,559 |
| Net loans and leases to total assets | 71.2219% | 1,532 |
| Net loans and leases to deposits | 85.7012% | 1,450 |
| Net loans and leases to core deposits | 89.3021% | 1,919 |
| Total domestic deposits to total assets | 83.1049% | 4,883 |
| Equity capital to assets | 9.4773% | 4,842 |
| Core capital (leverage) ratio | 9.2571% | 4,432 |
| Tier 1 risk-based capital ratio | 12.7812% | 5,380 |
| Total risk-based capital ratio | 13.8389% | 5,497 |
| Memoranda: | ||
| Average total assets | $189,519,000 | 3,236 |
| Average earning assets | $170,514,500 | 3,281 |
| Average equity | $17,699,000 | 3,545 |
| Average total loans | $135,485,500 | 2,846 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0096% | 426 |
| Cost of funding earning assets | 0.8443% | 4,510 |
| Net interest margin | 5.1652% | 304 |
| Noninterest income to average assets | 1.0095% | 1,345 |
| Noninterest expense to average assets | 4.3527% | 683 |
| Loan and lease loss provision to assets | 0.1133% | 5,173 |
| Net operating income to assets | 0.8499% | 2,821 |
| Return on assets (ROA) | 0.9647% | 2,473 |
| Pretax return on assets | 1.3748% | 1,863 |
| Return on Equity (ROE) | 10.8799% | 1,733 |
| Retained earnings to average equity (ytd only) | 7.2898% | 1,367 |
| Net charge-offs to loans | 0.1628% | 4,846 |
| Credit loss provision to net charge-offs | 95.8904% | 3,764 |
| Earnings coverage of net charge-offs (x) | 11.2055% | 1,743 |
| Efficiency ratio | 76.6752% | 2,801 |
| Assets per employee ($millions) | 2.0924% | 7,124 |
| Cash dividends to net income (ytd only)* | 32.9978% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0403% | 6,032 |
| Loan loss allowance to noncurrent loans | 739.8936% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.2952% | 6,230 |
| Noncurrent loans to loans | 0.1406% | 6,459 |
| Net loans and leases to total assets | 70.2613% | 1,982 |
| Net loans and leases to deposits | 83.8563% | 1,943 |
| Net loans and leases to core deposits | 87.5436% | 2,423 |
| Total domestic deposits to total assets | 83.7877% | 4,417 |
| Equity capital to assets | 9.1987% | 5,286 |
| Core capital (leverage) ratio | 8.9381% | 4,882 |
| Tier 1 risk-based capital ratio | 12.3036% | 5,613 |
| Total risk-based capital ratio | 13.3415% | 5,747 |
| Memoranda: | ||
| Average total assets | $185,333,800 | 3,254 |
| Average earning assets | $167,466,400 | 3,291 |
| Average equity | $16,434,000 | 3,659 |
| Average total loans | $134,548,600 | 2,909 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0081% | 449 |
| Cost of funding earning assets | 0.8816% | 4,535 |
| Net interest margin | 5.1265% | 322 |
| Noninterest income to average assets | 0.9809% | 1,389 |
| Noninterest expense to average assets | 4.2487% | 754 |
| Loan and lease loss provision to assets | 0.1495% | 4,577 |
| Net operating income to assets | 0.9383% | 2,577 |
| Return on assets (ROA) | 1.0459% | 2,307 |
| Pretax return on assets | 1.3695% | 2,044 |
| Return on Equity (ROE) | 11.9088% | 1,572 |
| Retained earnings to average equity (ytd only) | 9.4826% | 990 |
| Net charge-offs to loans | 0.1860% | 4,310 |
| Credit loss provision to net charge-offs | 110.1064% | 2,998 |
| Earnings coverage of net charge-offs (x) | 10.1436% | 1,966 |
| Efficiency ratio | 75.5168% | 2,916 |
| Assets per employee ($millions) | 2.0593% | 7,215 |
| Cash dividends to net income (ytd only)* | 20.3727% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0744% | 5,974 |
| Loan loss allowance to noncurrent loans | 547.8764% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.3140% | 6,287 |
| Noncurrent loans to loans | 0.1961% | 6,476 |
| Net loans and leases to total assets | 70.4970% | 1,978 |
| Net loans and leases to deposits | 83.5310% | 2,084 |
| Net loans and leases to core deposits | 86.7817% | 2,678 |
| Total domestic deposits to total assets | 84.3963% | 4,056 |
| Equity capital to assets | 9.3318% | 5,329 |
| Core capital (leverage) ratio | 8.9575% | 4,999 |
| Tier 1 risk-based capital ratio | 12.8492% | 5,206 |
| Total risk-based capital ratio | 13.9580% | 5,299 |
| Memoranda: | ||
| Average total assets | $184,587,250 | 3,287 |
| Average earning assets | $167,259,000 | 3,297 |
| Average equity | $16,211,750 | 3,701 |
| Average total loans | $134,759,000 | 2,925 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0019% | 479 |
| Cost of funding earning assets | 0.9226% | 4,502 |
| Net interest margin | 5.0793% | 347 |
| Noninterest income to average assets | 0.9342% | 1,516 |
| Noninterest expense to average assets | 4.2661% | 776 |
| Loan and lease loss provision to assets | 0.1920% | 4,004 |
| Net operating income to assets | 0.7686% | 3,208 |
| Return on assets (ROA) | 0.8701% | 2,860 |
| Pretax return on assets | 1.2162% | 2,416 |
| Return on Equity (ROE) | 10.1194% | 2,085 |
| Retained earnings to average equity (ytd only) | 6.3972% | 2,191 |
| Net charge-offs to loans | 0.1327% | 4,417 |
| Credit loss provision to net charge-offs | 196.6667% | 1,538 |
| Earnings coverage of net charge-offs (x) | 12.9778% | 1,587 |
| Efficiency ratio | 77.0980% | 2,845 |
| Assets per employee ($millions) | 2.0531% | 7,264 |
| Cash dividends to net income (ytd only)* | 36.7830% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1071% | 5,929 |
| Loan loss allowance to noncurrent loans | 830.7263% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.2879% | 6,412 |
| Noncurrent loans to loans | 0.1333% | 6,645 |
| Net loans and leases to total assets | 71.8863% | 1,808 |
| Net loans and leases to deposits | 85.6959% | 1,830 |
| Net loans and leases to core deposits | 89.0391% | 2,490 |
| Total domestic deposits to total assets | 83.8853% | 4,399 |
| Equity capital to assets | 8.8380% | 5,773 |
| Core capital (leverage) ratio | 8.6424% | 5,322 |
| Tier 1 risk-based capital ratio | 12.2680% | 5,550 |
| Total risk-based capital ratio | 13.4227% | 5,624 |
| Memoranda: | ||
| Average total assets | $184,338,330 | 3,313 |
| Average earning assets | $166,913,670 | 3,322 |
| Average equity | $15,850,670 | 3,756 |
| Average total loans | $135,654,000 | 2,934 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0312% | 444 |
| Cost of funding earning assets | 0.9696% | 4,425 |
| Net interest margin | 5.0616% | 335 |
| Noninterest income to average assets | 0.8690% | 1,775 |
| Noninterest expense to average assets | 3.9236% | 1,145 |
| Loan and lease loss provision to assets | 0.2194% | 3,462 |
| Net operating income to assets | 1.1110% | 1,804 |
| Return on assets (ROA) | 1.2883% | 1,344 |
| Pretax return on assets | 1.5164% | 1,398 |
| Return on Equity (ROE) | 15.1949% | 795 |
| Retained earnings to average equity (ytd only) | 15.1949% | 377 |
| Net charge-offs to loans | 0.0734% | 4,205 |
| Credit loss provision to net charge-offs | 404.0000% | 834 |
| Earnings coverage of net charge-offs (x) | 28.1200% | 872 |
| Efficiency ratio | 71.9809% | 3,869 |
| Assets per employee ($millions) | 2.0748% | 7,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0750% | 6,137 |
| Loan loss allowance to noncurrent loans | 100.9576% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 1.0869% | 4,749 |
| Noncurrent loans to loans | 1.0648% | 4,924 |
| Net loans and leases to total assets | 73.5564% | 1,411 |
| Net loans and leases to deposits | 88.3735% | 1,415 |
| Net loans and leases to core deposits | 92.3555% | 2,085 |
| Total domestic deposits to total assets | 83.2336% | 4,831 |
| Equity capital to assets | 8.6494% | 5,716 |
| Core capital (leverage) ratio | 8.7336% | 5,030 |
| Tier 1 risk-based capital ratio | 12.0819% | 5,617 |
| Total risk-based capital ratio | 13.2046% | 5,722 |
| Memoranda: | ||
| Average total assets | $184,116,500 | 3,337 |
| Average earning assets | $166,665,500 | 3,348 |
| Average equity | $15,610,500 | 3,794 |
| Average total loans | $136,321,000 | 2,960 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0001% | 848 |
| Cost of funding earning assets | 1.2323% | 4,341 |
| Net interest margin | 4.7678% | 709 |
| Noninterest income to average assets | 1.0610% | 1,330 |
| Noninterest expense to average assets | 4.0500% | 1,093 |
| Loan and lease loss provision to assets | 0.3236% | 4,223 |
| Net operating income to assets | 0.7140% | 3,179 |
| Return on assets (ROA) | 0.9729% | 2,246 |
| Pretax return on assets | 1.3891% | 1,692 |
| Return on Equity (ROE) | 11.3613% | 1,489 |
| Retained earnings to average equity (ytd only) | 7.0617% | 1,295 |
| Net charge-offs to loans | 0.1733% | 5,285 |
| Credit loss provision to net charge-offs | 258.9286% | 1,090 |
| Earnings coverage of net charge-offs (x) | 10.7455% | 1,676 |
| Efficiency ratio | 75.1009% | 3,187 |
| Assets per employee ($millions) | 2.1100% | 7,361 |
| Cash dividends to net income (ytd only)* | 37.8440% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0352% | 6,216 |
| Loan loss allowance to noncurrent loans | 187.0494% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.7632% | 5,488 |
| Noncurrent loans to loans | 0.5534% | 5,941 |
| Net loans and leases to total assets | 72.9605% | 1,884 |
| Net loans and leases to deposits | 87.6802% | 1,837 |
| Net loans and leases to core deposits | 92.0851% | 2,491 |
| Total domestic deposits to total assets | 83.2120% | 4,705 |
| Equity capital to assets | 8.3068% | 6,137 |
| Core capital (leverage) ratio | 8.4174% | 5,506 |
| Tier 1 risk-based capital ratio | 11.6695% | 5,751 |
| Total risk-based capital ratio | 12.7404% | 5,921 |
| Memoranda: | ||
| Average total assets | $179,258,400 | 3,392 |
| Average earning assets | $162,863,600 | 3,394 |
| Average equity | $15,350,400 | 3,882 |
| Average total loans | $129,225,000 | 3,136 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9634% | 1,003 |
| Cost of funding earning assets | 1.2705% | 4,436 |
| Net interest margin | 4.6929% | 856 |
| Noninterest income to average assets | 1.0603% | 1,276 |
| Noninterest expense to average assets | 3.9629% | 1,097 |
| Loan and lease loss provision to assets | 0.3442% | 3,861 |
| Net operating income to assets | 0.7106% | 3,363 |
| Return on assets (ROA) | 0.9982% | 2,360 |
| Pretax return on assets | 1.4375% | 1,779 |
| Return on Equity (ROE) | 11.5677% | 1,628 |
| Retained earnings to average equity (ytd only) | 9.2698% | 971 |
| Net charge-offs to loans | 0.1671% | 4,977 |
| Credit loss provision to net charge-offs | 287.5000% | 1,123 |
| Earnings coverage of net charge-offs (x) | 11.3999% | 1,796 |
| Efficiency ratio | 74.3820% | 3,247 |
| Assets per employee ($millions) | 2.0849% | 7,478 |
| Cash dividends to net income (ytd only)* | 19.8648% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0073% | 6,362 |
| Loan loss allowance to noncurrent loans | 357.7128% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.5899% | 5,962 |
| Noncurrent loans to loans | 0.2816% | 6,627 |
| Net loans and leases to total assets | 72.8758% | 2,042 |
| Net loans and leases to deposits | 86.1550% | 2,304 |
| Net loans and leases to core deposits | 91.9740% | 2,803 |
| Total domestic deposits to total assets | 84.5868% | 3,836 |
| Equity capital to assets | 8.8563% | 5,766 |
| Core capital (leverage) ratio | 8.2734% | 5,919 |
| Tier 1 risk-based capital ratio | 11.8091% | 5,629 |
| Total risk-based capital ratio | 12.8503% | 5,820 |
| Memoranda: | ||
| Average total assets | $178,180,000 | 3,447 |
| Average earning assets | $162,027,750 | 3,462 |
| Average equity | $15,375,750 | 3,921 |
| Average total loans | $127,697,250 | 3,209 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8263% | 1,357 |
| Cost of funding earning assets | 1.2851% | 4,623 |
| Net interest margin | 4.5412% | 1,119 |
| Noninterest income to average assets | 1.0728% | 1,169 |
| Noninterest expense to average assets | 3.9568% | 1,098 |
| Loan and lease loss provision to assets | 0.3760% | 3,456 |
| Net operating income to assets | 0.6664% | 3,548 |
| Return on assets (ROA) | 0.8672% | 2,803 |
| Pretax return on assets | 1.1383% | 2,638 |
| Return on Equity (ROE) | 10.1411% | 2,053 |
| Retained earnings to average equity (ytd only) | 6.6419% | 1,993 |
| Net charge-offs to loans | -0.0111% | 7,208 |
| Credit loss provision to net charge-offs | -4,757.1429% | 7,028 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9922% | 3,082 |
| Assets per employee ($millions) | 2.0966% | 7,516 |
| Cash dividends to net income (ytd only)* | 34.5052% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0580% | 6,151 |
| Loan loss allowance to noncurrent loans | 167.4728% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.8371% | 5,445 |
| Noncurrent loans to loans | 0.6318% | 5,983 |
| Net loans and leases to total assets | 71.0066% | 2,655 |
| Net loans and leases to deposits | 83.3694% | 3,000 |
| Net loans and leases to core deposits | 91.1138% | 3,106 |
| Total domestic deposits to total assets | 85.1711% | 3,535 |
| Equity capital to assets | 8.4383% | 6,242 |
| Core capital (leverage) ratio | 8.0869% | 6,144 |
| Tier 1 risk-based capital ratio | 11.6775% | 5,604 |
| Total risk-based capital ratio | 12.7787% | 5,715 |
| Memoranda: | ||
| Average total assets | $177,112,000 | 3,482 |
| Average earning assets | $161,235,670 | 3,487 |
| Average equity | $15,146,330 | 3,962 |
| Average total loans | $125,753,000 | 3,287 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5932% | 2,178 |
| Cost of funding earning assets | 1.2791% | 4,934 |
| Net interest margin | 4.3141% | 1,648 |
| Noninterest income to average assets | 0.9996% | 1,310 |
| Noninterest expense to average assets | 3.9618% | 1,085 |
| Loan and lease loss provision to assets | 0.4264% | 2,826 |
| Net operating income to assets | 0.4010% | 4,833 |
| Return on assets (ROA) | 0.5961% | 4,057 |
| Pretax return on assets | 0.7887% | 3,914 |
| Return on Equity (ROE) | 6.9225% | 3,385 |
| Retained earnings to average equity (ytd only) | 6.9225% | 2,170 |
| Net charge-offs to loans | -0.1526% | 7,615 |
| Credit loss provision to net charge-offs | -395.7447% | 6,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5219% | 2,487 |
| Assets per employee ($millions) | 2.0899% | 7,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0166% | 6,375 |
| Loan loss allowance to noncurrent loans | 147.4048% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.8926% | 5,375 |
| Noncurrent loans to loans | 0.6897% | 5,954 |
| Net loans and leases to total assets | 70.8811% | 2,726 |
| Net loans and leases to deposits | 83.6359% | 3,006 |
| Net loans and leases to core deposits | 89.8756% | 3,378 |
| Total domestic deposits to total assets | 84.7496% | 3,779 |
| Equity capital to assets | 8.6637% | 5,785 |
| Core capital (leverage) ratio | 8.3418% | 5,659 |
| Tier 1 risk-based capital ratio | 12.2077% | 4,983 |
| Total risk-based capital ratio | 13.2878% | 5,122 |
| Memoranda: | ||
| Average total assets | $174,464,500 | 3,584 |
| Average earning assets | $158,550,500 | 3,595 |
| Average equity | $15,023,500 | 4,009 |
| Average total loans | $123,176,500 | 3,403 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9729% | 1,970 |
| Cost of funding earning assets | 1.7393% | 4,314 |
| Net interest margin | 4.2336% | 1,963 |
| Noninterest income to average assets | 1.0196% | 1,503 |
| Noninterest expense to average assets | 3.8264% | 1,645 |
| Loan and lease loss provision to assets | 0.3415% | 4,751 |
| Net operating income to assets | 0.5164% | 3,666 |
| Return on assets (ROA) | 0.6824% | 3,066 |
| Pretax return on assets | 0.9460% | 2,771 |
| Return on Equity (ROE) | 7.8427% | 2,438 |
| Retained earnings to average equity (ytd only) | 4.3825% | 2,178 |
| Net charge-offs to loans | 0.4224% | 4,103 |
| Credit loss provision to net charge-offs | 114.8073% | 4,762 |
| Earnings coverage of net charge-offs (x) | 3.5538% | 3,296 |
| Efficiency ratio | 78.3543% | 3,136 |
| Assets per employee ($millions) | 2.0889% | 7,667 |
| Cash dividends to net income (ytd only)* | 44.1202% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8662% | 6,941 |
| Loan loss allowance to noncurrent loans | 125.1497% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.9176% | 5,258 |
| Noncurrent loans to loans | 0.6921% | 5,852 |
| Net loans and leases to total assets | 68.9809% | 3,495 |
| Net loans and leases to deposits | 81.3953% | 3,721 |
| Net loans and leases to core deposits | 105.5941% | 3,384 |
| Total domestic deposits to total assets | 84.7480% | 3,686 |
| Equity capital to assets | 8.5581% | 5,796 |
| Core capital (leverage) ratio | 8.1015% | 5,991 |
| Tier 1 risk-based capital ratio | 12.0258% | 4,926 |
| Total risk-based capital ratio | 12.9118% | 5,193 |
| Memoranda: | ||
| Average total assets | $165,744,200 | 3,676 |
| Average earning assets | $151,266,600 | 3,685 |
| Average equity | $14,421,000 | 4,168 |
| Average total loans | $116,706,800 | 3,553 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9026% | 2,439 |
| Cost of funding earning assets | 1.8066% | 4,356 |
| Net interest margin | 4.0960% | 2,415 |
| Noninterest income to average assets | 0.9985% | 1,612 |
| Noninterest expense to average assets | 3.8273% | 1,545 |
| Loan and lease loss provision to assets | 0.2897% | 4,660 |
| Net operating income to assets | 0.4691% | 4,125 |
| Return on assets (ROA) | 0.5396% | 3,916 |
| Pretax return on assets | 0.7259% | 3,771 |
| Return on Equity (ROE) | 6.1744% | 3,453 |
| Retained earnings to average equity (ytd only) | 4.2281% | 2,910 |
| Net charge-offs to loans | 0.5381% | 3,067 |
| Credit loss provision to net charge-offs | 76.2313% | 5,860 |
| Earnings coverage of net charge-offs (x) | 2.4218% | 4,023 |
| Efficiency ratio | 80.6136% | 2,754 |
| Assets per employee ($millions) | 2.1327% | 7,684 |
| Cash dividends to net income (ytd only)* | 31.5233% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7196% | 7,323 |
| Loan loss allowance to noncurrent loans | 151.8519% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.8350% | 5,421 |
| Noncurrent loans to loans | 0.4739% | 6,372 |
| Net loans and leases to total assets | 67.1041% | 4,162 |
| Net loans and leases to deposits | 79.0669% | 4,550 |
| Net loans and leases to core deposits | 110.6863% | 3,157 |
| Total domestic deposits to total assets | 84.8700% | 3,299 |
| Equity capital to assets | 8.4434% | 6,320 |
| Core capital (leverage) ratio | 7.9890% | 6,380 |
| Tier 1 risk-based capital ratio | 12.1812% | 4,811 |
| Total risk-based capital ratio | 12.9301% | 5,210 |
| Memoranda: | ||
| Average total assets | $163,835,250 | 3,729 |
| Average earning assets | $149,965,000 | 3,728 |
| Average equity | $14,316,750 | 4,226 |
| Average total loans | $115,722,500 | 3,602 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9571% | 2,354 |
| Cost of funding earning assets | 1.8007% | 4,755 |
| Net interest margin | 4.1564% | 2,138 |
| Noninterest income to average assets | 0.9985% | 1,598 |
| Noninterest expense to average assets | 3.8170% | 1,626 |
| Loan and lease loss provision to assets | 0.4403% | 3,352 |
| Net operating income to assets | 0.3684% | 4,629 |
| Return on assets (ROA) | 0.4177% | 4,545 |
| Pretax return on assets | 0.6084% | 4,299 |
| Return on Equity (ROE) | 4.7211% | 4,198 |
| Retained earnings to average equity (ytd only) | 1.7580% | 4,364 |
| Net charge-offs to loans | 0.2622% | 3,876 |
| Credit loss provision to net charge-offs | 234.0000% | 1,978 |
| Earnings coverage of net charge-offs (x) | 5.1933% | 2,890 |
| Efficiency ratio | 79.6180% | 3,110 |
| Assets per employee ($millions) | 2.0859% | 7,787 |
| Cash dividends to net income (ytd only)* | 62.7628% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 6,195 |
| Loan loss allowance to noncurrent loans | 104.4524% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.9027% | 5,174 |
| Noncurrent loans to loans | 0.9626% | 5,296 |
| Net loans and leases to total assets | 67.5205% | 4,248 |
| Net loans and leases to deposits | 79.4686% | 4,627 |
| Net loans and leases to core deposits | 107.6832% | 3,642 |
| Total domestic deposits to total assets | 84.9649% | 3,281 |
| Equity capital to assets | 8.3045% | 6,323 |
| Core capital (leverage) ratio | 8.1674% | 6,040 |
| Tier 1 risk-based capital ratio | 12.3091% | 4,665 |
| Total risk-based capital ratio | 13.3648% | 4,739 |
| Memoranda: | ||
| Average total assets | $159,442,670 | 3,838 |
| Average earning assets | $145,608,000 | 3,832 |
| Average equity | $14,107,000 | 4,282 |
| Average total loans | $114,415,330 | 3,663 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9428% | 2,596 |
| Cost of funding earning assets | 1.7591% | 5,317 |
| Net interest margin | 4.1837% | 1,959 |
| Noninterest income to average assets | 0.8800% | 1,932 |
| Noninterest expense to average assets | 3.8817% | 1,330 |
| Loan and lease loss provision to assets | 0.3983% | 2,935 |
| Net operating income to assets | 0.1779% | 5,726 |
| Return on assets (ROA) | 0.1979% | 5,837 |
| Pretax return on assets | 0.4452% | 5,255 |
| Return on Equity (ROE) | 2.1624% | 5,719 |
| Retained earnings to average equity (ytd only) | 2.1624% | 4,669 |
| Net charge-offs to loans | 0.4343% | 2,373 |
| Credit loss provision to net charge-offs | 124.3902% | 3,193 |
| Earnings coverage of net charge-offs (x) | 2.5366% | 3,479 |
| Efficiency ratio | 82.6955% | 2,451 |
| Assets per employee ($millions) | 1.9730% | 7,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8756% | 6,846 |
| Loan loss allowance to noncurrent loans | 114.5143% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.7914% | 5,198 |
| Noncurrent loans to loans | 0.7647% | 5,517 |
| Net loans and leases to total assets | 69.2635% | 3,857 |
| Net loans and leases to deposits | 82.1394% | 4,260 |
| Net loans and leases to core deposits | 109.2124% | 3,539 |
| Total domestic deposits to total assets | 84.3243% | 3,543 |
| Equity capital to assets | 8.6607% | 5,824 |
| Core capital (leverage) ratio | 8.8876% | 4,875 |
| Tier 1 risk-based capital ratio | 12.3551% | 4,655 |
| Total risk-based capital ratio | 13.2635% | 4,837 |
| Memoranda: | ||
| Average total assets | $153,644,000 | 3,947 |
| Average earning assets | $140,068,000 | 3,953 |
| Average equity | $14,058,500 | 4,319 |
| Average total loans | $113,293,000 | 3,713 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0196% | 1,082 |
| Cost of funding earning assets | 1.8988% | 6,730 |
| Net interest margin | 5.1208% | 385 |
| Noninterest income to average assets | 0.9881% | 1,617 |
| Noninterest expense to average assets | 4.1283% | 1,231 |
| Loan and lease loss provision to assets | 0.2194% | 4,692 |
| Net operating income to assets | 0.8137% | 3,374 |
| Return on assets (ROA) | 0.7931% | 3,307 |
| Pretax return on assets | 1.2341% | 2,531 |
| Return on Equity (ROE) | 8.1610% | 3,000 |
| Retained earnings to average equity (ytd only) | 6.8328% | 1,208 |
| Net charge-offs to loans | 0.3428% | 3,114 |
| Credit loss provision to net charge-offs | 85.2368% | 5,782 |
| Earnings coverage of net charge-offs (x) | 5.7716% | 3,541 |
| Efficiency ratio | 73.5343% | 3,656 |
| Assets per employee ($millions) | 1.7292% | 8,079 |
| Cash dividends to net income (ytd only)* | 16.2749% | 4,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8667% | 6,822 |
| Loan loss allowance to noncurrent loans | 68.9851% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 1.1099% | 4,056 |
| Noncurrent loans to loans | 1.2563% | 4,001 |
| Net loans and leases to total assets | 77.4666% | 2,271 |
| Net loans and leases to deposits | 94.1049% | 2,741 |
| Net loans and leases to core deposits | 115.4799% | 3,179 |
| Total domestic deposits to total assets | 82.3195% | 4,079 |
| Equity capital to assets | 9.7084% | 4,416 |
| Core capital (leverage) ratio | 9.5165% | 3,999 |
| Tier 1 risk-based capital ratio | 13.0443% | 4,085 |
| Total risk-based capital ratio | 13.9799% | 4,187 |
| Memoranda: | ||
| Average total assets | $139,453,600 | 4,087 |
| Average earning assets | $125,975,200 | 4,129 |
| Average equity | $13,552,200 | 4,435 |
| Average total loans | $104,713,000 | 3,834 |