Home > The Dart Bank > Performance and Condition Ratios
The Dart 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 | 5.4437% | 1,241 |
| Cost of funding earning assets | 2.0301% | 883 |
| Net interest margin | 3.4136% | 2,377 |
| Noninterest income to average assets | 2.3100% | 233 |
| Noninterest expense to average assets | 4.2412% | 318 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.0752% | 1,992 |
| Return on assets (ROA) | 1.0752% | 1,963 |
| Pretax return on assets | 1.1333% | 2,307 |
| Return on Equity (ROE) | 13.5800% | 1,585 |
| Retained earnings to average equity (ytd only) | 11.7485% | 664 |
| Net charge-offs to loans | 0.0018% | 2,749 |
| Credit loss provision to net charge-offs | 3,750.0000% | 136 |
| Earnings coverage of net charge-offs (x) | 771.0625% | 185 |
| Efficiency ratio | 78.0718% | 1,065 |
| Assets per employee ($millions) | 4.5626% | 3,917 |
| Cash dividends to net income (ytd only)* | 13.4621% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4315% | 1,275 |
| Loan loss allowance to noncurrent loans | 240.5115% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.5041% | 1,114 |
| Noncurrent loans to loans | 0.5952% | 1,324 |
| Net loans and leases to total assets | 83.4900% | 309 |
| Net loans and leases to deposits | 96.1782% | 773 |
| Net loans and leases to core deposits | 171.1579% | 115 |
| Total domestic deposits to total assets | 86.8000% | 1,754 |
| Equity capital to assets | 7.6650% | 3,619 |
| Core capital (leverage) ratio | 8.5854% | 4,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,035,660,800 | 956 |
| Average earning assets | $947,127,200 | 953 |
| Average equity | $82,019,200 | 1,112 |
| Average total loans | $878,572,200 | 805 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3825% | 1,158 |
| Cost of funding earning assets | 1.8640% | 908 |
| Net interest margin | 3.5185% | 2,172 |
| Noninterest income to average assets | 2.5000% | 232 |
| Noninterest expense to average assets | 4.1601% | 326 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.4018% | 1,314 |
| Return on assets (ROA) | 1.4018% | 1,302 |
| Pretax return on assets | 1.4748% | 1,623 |
| Return on Equity (ROE) | 17.5400% | 1,005 |
| Retained earnings to average equity (ytd only) | 16.1866% | 449 |
| Net charge-offs to loans | 0.0025% | 2,456 |
| Credit loss provision to net charge-offs | 3,750.0000% | 132 |
| Earnings coverage of net charge-offs (x) | 731.3750% | 216 |
| Efficiency ratio | 72.7981% | 1,473 |
| Assets per employee ($millions) | 4.4959% | 3,945 |
| Cash dividends to net income (ytd only)* | 7.7040% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5012% | 1,114 |
| Loan loss allowance to noncurrent loans | 231.3940% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.5510% | 1,059 |
| Noncurrent loans to loans | 0.6488% | 1,266 |
| Net loans and leases to total assets | 83.6600% | 308 |
| Net loans and leases to deposits | 98.3200% | 601 |
| Net loans and leases to core deposits | 159.1983% | 107 |
| Total domestic deposits to total assets | 85.0900% | 2,473 |
| Equity capital to assets | 7.9308% | 3,100 |
| Core capital (leverage) ratio | 9.1232% | 3,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,003,708,250 | 981 |
| Average earning assets | $916,991,500 | 983 |
| Average equity | $80,229,000 | 1,123 |
| Average total loans | $851,857,250 | 824 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3591% | 999 |
| Cost of funding earning assets | 1.7908% | 746 |
| Net interest margin | 3.5683% | 2,102 |
| Noninterest income to average assets | 2.7900% | 184 |
| Noninterest expense to average assets | 4.1133% | 322 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.8016% | 657 |
| Return on assets (ROA) | 1.8016% | 656 |
| Pretax return on assets | 1.8116% | 991 |
| Return on Equity (ROE) | 22.4700% | 515 |
| Retained earnings to average equity (ytd only) | 21.2664% | 209 |
| Net charge-offs to loans | 0.0024% | 2,265 |
| Credit loss provision to net charge-offs | 6,000.0000% | 97 |
| Earnings coverage of net charge-offs (x) | 936.9000% | 160 |
| Efficiency ratio | 68.0020% | 1,988 |
| Assets per employee ($millions) | 4.2125% | 4,100 |
| Cash dividends to net income (ytd only)* | 5.3664% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6112% | 912 |
| Loan loss allowance to noncurrent loans | 289.8506% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.4895% | 1,112 |
| Noncurrent loans to loans | 0.5559% | 1,348 |
| Net loans and leases to total assets | 86.6400% | 125 |
| Net loans and leases to deposits | 102.9975% | 398 |
| Net loans and leases to core deposits | 144.5801% | 176 |
| Total domestic deposits to total assets | 84.1200% | 2,796 |
| Equity capital to assets | 8.0800% | 3,159 |
| Core capital (leverage) ratio | 8.8522% | 3,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $968,117,667 | 1,007 |
| Average earning assets | $883,850,333 | 1,013 |
| Average equity | $77,615,333 | 1,145 |
| Average total loans | $821,418,000 | 829 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1251% | 1,059 |
| Cost of funding earning assets | 1.7469% | 503 |
| Net interest margin | 3.3782% | 2,690 |
| Noninterest income to average assets | 1.6200% | 299 |
| Noninterest expense to average assets | 3.8850% | 384 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 0.7853% | 3,241 |
| Return on assets (ROA) | 0.7853% | 3,188 |
| Pretax return on assets | 0.6401% | 3,779 |
| Return on Equity (ROE) | 9.8400% | 2,834 |
| Retained earnings to average equity (ytd only) | 9.1946% | 1,889 |
| Net charge-offs to loans | 0.0010% | 2,021 |
| Credit loss provision to net charge-offs | 22,500.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 987.5000% | 107 |
| Efficiency ratio | 82.4147% | 682 |
| Assets per employee ($millions) | 4.2350% | 4,154 |
| Cash dividends to net income (ytd only)* | 6.5206% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7077% | 800 |
| Loan loss allowance to noncurrent loans | 291.2565% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.4943% | 1,045 |
| Noncurrent loans to loans | 0.5863% | 1,266 |
| Net loans and leases to total assets | 82.8700% | 302 |
| Net loans and leases to deposits | 100.3006% | 433 |
| Net loans and leases to core deposits | 144.6066% | 152 |
| Total domestic deposits to total assets | 82.6200% | 3,375 |
| Equity capital to assets | 7.6581% | 3,471 |
| Core capital (leverage) ratio | 8.4783% | 4,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $952,989,500 | 1,036 |
| Average earning assets | $872,880,000 | 1,038 |
| Average equity | $76,088,500 | 1,172 |
| Average total loans | $792,558,500 | 868 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7875% | 441 |
| Cost of funding earning assets | 0.5986% | 906 |
| Net interest margin | 4.1889% | 550 |
| Noninterest income to average assets | 2.1400% | 227 |
| Noninterest expense to average assets | 4.4218% | 264 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | 1.0287% | 2,464 |
| Return on assets (ROA) | 1.0287% | 2,403 |
| Pretax return on assets | 1.3099% | 2,058 |
| Return on Equity (ROE) | 10.6000% | 2,615 |
| Retained earnings to average equity (ytd only) | 8.0334% | 1,812 |
| Net charge-offs to loans | 0.0022% | 2,447 |
| Credit loss provision to net charge-offs | 10,750.0000% | 68 |
| Earnings coverage of net charge-offs (x) | 840.0714% | 221 |
| Efficiency ratio | 75.8026% | 1,035 |
| Assets per employee ($millions) | 4.1419% | 4,228 |
| Cash dividends to net income (ytd only)* | 24.2240% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1421% | 2,690 |
| Loan loss allowance to noncurrent loans | 662.4905% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.1413% | 2,552 |
| Noncurrent loans to loans | 0.1724% | 2,621 |
| Net loans and leases to total assets | 81.0300% | 496 |
| Net loans and leases to deposits | 98.5870% | 497 |
| Net loans and leases to core deposits | 146.7252% | 103 |
| Total domestic deposits to total assets | 82.2000% | 3,588 |
| Equity capital to assets | 8.3251% | 2,832 |
| Core capital (leverage) ratio | 9.3529% | 3,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $782,934,200 | 1,203 |
| Average earning assets | $707,531,800 | 1,225 |
| Average equity | $75,970,200 | 1,180 |
| Average total loans | $636,915,000 | 988 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7540% | 314 |
| Cost of funding earning assets | 0.3636% | 1,582 |
| Net interest margin | 4.3904% | 285 |
| Noninterest income to average assets | 2.2900% | 229 |
| Noninterest expense to average assets | 4.6183% | 241 |
| Loan and lease loss provision to assets | 0.2000% | 448 |
| Net operating income to assets | 1.1170% | 2,016 |
| Return on assets (ROA) | 1.1170% | 1,983 |
| Pretax return on assets | 1.4222% | 1,652 |
| Return on Equity (ROE) | 11.0200% | 2,373 |
| Retained earnings to average equity (ytd only) | 8.4832% | 1,825 |
| Net charge-offs to loans | 0.0020% | 2,217 |
| Credit loss provision to net charge-offs | 12,544.4444% | 47 |
| Earnings coverage of net charge-offs (x) | 1,009.2222% | 152 |
| Efficiency ratio | 75.4927% | 1,123 |
| Assets per employee ($millions) | 3.7297% | 4,421 |
| Cash dividends to net income (ytd only)* | 23.0351% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2228% | 2,407 |
| Loan loss allowance to noncurrent loans | 890.6183% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.1148% | 2,818 |
| Noncurrent loans to loans | 0.1373% | 2,946 |
| Net loans and leases to total assets | 82.6200% | 342 |
| Net loans and leases to deposits | 101.7980% | 309 |
| Net loans and leases to core deposits | 127.2817% | 169 |
| Total domestic deposits to total assets | 81.1600% | 3,951 |
| Equity capital to assets | 9.3047% | 2,010 |
| Core capital (leverage) ratio | 10.1907% | 2,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $745,684,250 | 1,261 |
| Average earning assets | $671,394,500 | 1,280 |
| Average equity | $75,566,750 | 1,197 |
| Average total loans | $605,165,000 | 1,034 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5810% | 324 |
| Cost of funding earning assets | 0.2097% | 2,787 |
| Net interest margin | 4.3713% | 236 |
| Noninterest income to average assets | 2.5502% | 181 |
| Noninterest expense to average assets | 4.7137% | 193 |
| Loan and lease loss provision to assets | 0.2083% | 390 |
| Net operating income to assets | 1.2269% | 1,342 |
| Return on assets (ROA) | 1.2269% | 1,327 |
| Pretax return on assets | 1.5552% | 1,037 |
| Return on Equity (ROE) | 11.7446% | 1,743 |
| Retained earnings to average equity (ytd only) | 9.9069% | 1,045 |
| Net charge-offs to loans | 0.0041% | 1,869 |
| Credit loss provision to net charge-offs | 6,266.6667% | 92 |
| Earnings coverage of net charge-offs (x) | 530.5000% | 244 |
| Efficiency ratio | 74.8909% | 1,405 |
| Assets per employee ($millions) | 3.7712% | 4,463 |
| Cash dividends to net income (ytd only)* | 15.6469% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3167% | 2,111 |
| Loan loss allowance to noncurrent loans | 587.1870% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.1800% | 2,454 |
| Noncurrent loans to loans | 0.2242% | 2,605 |
| Net loans and leases to total assets | 79.2372% | 460 |
| Net loans and leases to deposits | 96.4862% | 411 |
| Net loans and leases to core deposits | 113.4962% | 287 |
| Total domestic deposits to total assets | 82.1228% | 3,992 |
| Equity capital to assets | 10.0588% | 1,684 |
| Core capital (leverage) ratio | 10.8364% | 1,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $721,977,667 | 1,289 |
| Average earning assets | $648,592,000 | 1,331 |
| Average equity | $75,422,000 | 1,222 |
| Average total loans | $579,156,667 | 1,049 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5842% | 267 |
| Cost of funding earning assets | 0.1764% | 3,138 |
| Net interest margin | 4.4079% | 191 |
| Noninterest income to average assets | 2.4442% | 189 |
| Noninterest expense to average assets | 4.8759% | 177 |
| Loan and lease loss provision to assets | 0.2131% | 332 |
| Net operating income to assets | 1.0478% | 1,701 |
| Return on assets (ROA) | 1.0478% | 1,693 |
| Pretax return on assets | 1.3204% | 1,446 |
| Return on Equity (ROE) | 9.8352% | 2,030 |
| Retained earnings to average equity (ytd only) | 7.9895% | 1,589 |
| Net charge-offs to loans | 0.0057% | 1,549 |
| Credit loss provision to net charge-offs | 4,700.0000% | 100 |
| Earnings coverage of net charge-offs (x) | 338.2500% | 288 |
| Efficiency ratio | 74.6950% | 1,657 |
| Assets per employee ($millions) | 3.6764% | 4,509 |
| Cash dividends to net income (ytd only)* | 18.7669% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3002% | 2,363 |
| Loan loss allowance to noncurrent loans | 1,027.4324% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.1038% | 3,083 |
| Noncurrent loans to loans | 0.1266% | 3,185 |
| Net loans and leases to total assets | 80.9212% | 209 |
| Net loans and leases to deposits | 99.1663% | 196 |
| Net loans and leases to core deposits | 101.0017% | 482 |
| Total domestic deposits to total assets | 81.6015% | 4,130 |
| Equity capital to assets | 10.5232% | 1,586 |
| Core capital (leverage) ratio | 10.8812% | 1,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $705,843,000 | 1,317 |
| Average earning assets | $634,957,500 | 1,351 |
| Average equity | $75,199,000 | 1,255 |
| Average total loans | $565,926,000 | 1,061 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8443% | 337 |
| Cost of funding earning assets | 0.2437% | 3,011 |
| Net interest margin | 4.6007% | 227 |
| Noninterest income to average assets | 3.6093% | 154 |
| Noninterest expense to average assets | 5.2268% | 161 |
| Loan and lease loss provision to assets | 0.1532% | 777 |
| Net operating income to assets | 1.8496% | 456 |
| Return on assets (ROA) | 1.8496% | 480 |
| Pretax return on assets | 2.3425% | 323 |
| Return on Equity (ROE) | 19.4780% | 342 |
| Retained earnings to average equity (ytd only) | 13.6847% | 336 |
| Net charge-offs to loans | 0.0368% | 1,515 |
| Credit loss provision to net charge-offs | 533.5052% | 774 |
| Earnings coverage of net charge-offs (x) | 86.9227% | 953 |
| Efficiency ratio | 66.6475% | 2,173 |
| Assets per employee ($millions) | 3.8377% | 4,478 |
| Cash dividends to net income (ytd only)* | 29.7431% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3222% | 2,259 |
| Loan loss allowance to noncurrent loans | 1,107.8101% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.1233% | 3,071 |
| Noncurrent loans to loans | 0.1194% | 3,335 |
| Net loans and leases to total assets | 77.2935% | 427 |
| Net loans and leases to deposits | 95.6826% | 327 |
| Net loans and leases to core deposits | 97.3370% | 646 |
| Total domestic deposits to total assets | 80.7811% | 4,131 |
| Equity capital to assets | 10.7872% | 1,943 |
| Core capital (leverage) ratio | 10.8353% | 1,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $675,677,000 | 1,316 |
| Average earning assets | $604,085,800 | 1,370 |
| Average equity | $64,159,400 | 1,444 |
| Average total loans | $527,437,000 | 1,117 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9345% | 341 |
| Cost of funding earning assets | 0.2543% | 3,078 |
| Net interest margin | 4.6802% | 231 |
| Noninterest income to average assets | 3.7334% | 154 |
| Noninterest expense to average assets | 5.1487% | 169 |
| Loan and lease loss provision to assets | 0.1560% | 710 |
| Net operating income to assets | 2.0808% | 408 |
| Return on assets (ROA) | 2.0808% | 432 |
| Pretax return on assets | 2.6036% | 283 |
| Return on Equity (ROE) | 22.7189% | 266 |
| Retained earnings to average equity (ytd only) | 17.2825% | 225 |
| Net charge-offs to loans | 0.0475% | 1,186 |
| Credit loss provision to net charge-offs | 421.5054% | 836 |
| Earnings coverage of net charge-offs (x) | 74.5538% | 1,021 |
| Efficiency ratio | 65.1048% | 2,235 |
| Assets per employee ($millions) | 4.0327% | 4,436 |
| Cash dividends to net income (ytd only)* | 23.9288% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2801% | 2,588 |
| Loan loss allowance to noncurrent loans | 1,062.6140% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.1789% | 2,922 |
| Noncurrent loans to loans | 0.1205% | 3,492 |
| Net loans and leases to total assets | 77.2890% | 447 |
| Net loans and leases to deposits | 94.4814% | 402 |
| Net loans and leases to core deposits | 96.3720% | 732 |
| Total domestic deposits to total assets | 81.8034% | 3,962 |
| Equity capital to assets | 9.4195% | 3,447 |
| Core capital (leverage) ratio | 9.5668% | 2,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $669,979,000 | 1,340 |
| Average earning assets | $597,656,000 | 1,398 |
| Average equity | $61,363,000 | 1,508 |
| Average total loans | $522,520,000 | 1,145 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9290% | 385 |
| Cost of funding earning assets | 0.2686% | 3,100 |
| Net interest margin | 4.6604% | 285 |
| Noninterest income to average assets | 3.7814% | 149 |
| Noninterest expense to average assets | 5.2071% | 164 |
| Loan and lease loss provision to assets | 0.1610% | 720 |
| Net operating income to assets | 2.0486% | 452 |
| Return on assets (ROA) | 2.0486% | 475 |
| Pretax return on assets | 2.5574% | 324 |
| Return on Equity (ROE) | 22.5931% | 284 |
| Retained earnings to average equity (ytd only) | 15.3959% | 381 |
| Net charge-offs to loans | 0.0797% | 874 |
| Credit loss provision to net charge-offs | 259.5122% | 951 |
| Earnings coverage of net charge-offs (x) | 43.8098% | 1,122 |
| Efficiency ratio | 65.7004% | 2,197 |
| Assets per employee ($millions) | 3.8015% | 4,547 |
| Cash dividends to net income (ytd only)* | 31.8558% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2769% | 2,552 |
| Loan loss allowance to noncurrent loans | 916.9168% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.1955% | 2,976 |
| Noncurrent loans to loans | 0.1393% | 3,501 |
| Net loans and leases to total assets | 76.7950% | 519 |
| Net loans and leases to deposits | 93.8691% | 466 |
| Net loans and leases to core deposits | 95.7720% | 818 |
| Total domestic deposits to total assets | 81.8107% | 3,955 |
| Equity capital to assets | 9.2269% | 3,585 |
| Core capital (leverage) ratio | 9.2296% | 3,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $660,752,333 | 1,348 |
| Average earning assets | $587,546,000 | 1,407 |
| Average equity | $59,912,000 | 1,526 |
| Average total loans | $514,624,667 | 1,157 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0137% | 346 |
| Cost of funding earning assets | 0.2907% | 3,093 |
| Net interest margin | 4.7230% | 265 |
| Noninterest income to average assets | 4.1526% | 141 |
| Noninterest expense to average assets | 5.4149% | 150 |
| Loan and lease loss provision to assets | 0.1538% | 838 |
| Net operating income to assets | 2.2421% | 387 |
| Return on assets (ROA) | 2.2421% | 422 |
| Pretax return on assets | 2.8150% | 299 |
| Return on Equity (ROE) | 24.9548% | 259 |
| Retained earnings to average equity (ytd only) | 22.2063% | 196 |
| Net charge-offs to loans | 0.0346% | 1,131 |
| Credit loss provision to net charge-offs | 570.4545% | 567 |
| Earnings coverage of net charge-offs (x) | 110.1136% | 578 |
| Efficiency ratio | 64.5885% | 2,399 |
| Assets per employee ($millions) | 3.9277% | 4,521 |
| Cash dividends to net income (ytd only)* | 11.0139% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 2,502 |
| Loan loss allowance to noncurrent loans | 350.2387% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.2758% | 2,773 |
| Noncurrent loans to loans | 0.3669% | 2,772 |
| Net loans and leases to total assets | 74.2038% | 796 |
| Net loans and leases to deposits | 90.4713% | 679 |
| Net loans and leases to core deposits | 92.0256% | 1,114 |
| Total domestic deposits to total assets | 82.0192% | 3,892 |
| Equity capital to assets | 8.7940% | 3,880 |
| Core capital (leverage) ratio | 9.1233% | 3,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $652,792,500 | 1,349 |
| Average earning assets | $584,794,000 | 1,395 |
| Average equity | $58,650,000 | 1,545 |
| Average total loans | $508,751,500 | 1,168 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4275% | 1,499 |
| Cost of funding earning assets | 0.5999% | 2,311 |
| Net interest margin | 3.8276% | 1,427 |
| Noninterest income to average assets | 5.4167% | 108 |
| Noninterest expense to average assets | 5.7113% | 142 |
| Loan and lease loss provision to assets | 0.8949% | 130 |
| Net operating income to assets | 1.7929% | 395 |
| Return on assets (ROA) | 1.7940% | 426 |
| Pretax return on assets | 2.2798% | 262 |
| Return on Equity (ROE) | 19.4755% | 258 |
| Retained earnings to average equity (ytd only) | 15.7420% | 127 |
| Net charge-offs to loans | 0.4860% | 333 |
| Credit loss provision to net charge-offs | 253.1595% | 1,924 |
| Earnings coverage of net charge-offs (x) | 8.9769% | 2,553 |
| Efficiency ratio | 64.2836% | 2,774 |
| Assets per employee ($millions) | 3.6384% | 4,589 |
| Cash dividends to net income (ytd only)* | 19.1700% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2692% | 2,575 |
| Loan loss allowance to noncurrent loans | 175.8526% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.5844% | 1,806 |
| Noncurrent loans to loans | 0.7217% | 1,891 |
| Net loans and leases to total assets | 79.9438% | 433 |
| Net loans and leases to deposits | 100.5857% | 348 |
| Net loans and leases to core deposits | 102.6509% | 783 |
| Total domestic deposits to total assets | 79.4784% | 4,142 |
| Equity capital to assets | 9.1937% | 3,895 |
| Core capital (leverage) ratio | 8.9491% | 3,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $564,090,600 | 1,411 |
| Average earning assets | $511,076,600 | 1,431 |
| Average equity | $51,962,800 | 1,634 |
| Average total loans | $410,318,600 | 1,325 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4359% | 1,751 |
| Cost of funding earning assets | 0.6910% | 2,078 |
| Net interest margin | 3.7449% | 1,781 |
| Noninterest income to average assets | 5.3374% | 109 |
| Noninterest expense to average assets | 6.0579% | 127 |
| Loan and lease loss provision to assets | 0.5815% | 445 |
| Net operating income to assets | 1.6336% | 673 |
| Return on assets (ROA) | 1.6352% | 741 |
| Pretax return on assets | 2.0906% | 423 |
| Return on Equity (ROE) | 17.7411% | 382 |
| Retained earnings to average equity (ytd only) | 14.3140% | 236 |
| Net charge-offs to loans | 0.2195% | 698 |
| Credit loss provision to net charge-offs | 376.2951% | 1,527 |
| Earnings coverage of net charge-offs (x) | 17.2779% | 2,025 |
| Efficiency ratio | 64.9600% | 2,600 |
| Assets per employee ($millions) | 3.6738% | 4,568 |
| Cash dividends to net income (ytd only)* | 19.3175% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1893% | 2,726 |
| Loan loss allowance to noncurrent loans | 195.6272% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.4455% | 2,408 |
| Noncurrent loans to loans | 0.6079% | 2,280 |
| Net loans and leases to total assets | 69.0661% | 2,100 |
| Net loans and leases to deposits | 86.6480% | 1,626 |
| Net loans and leases to core deposits | 88.7335% | 2,080 |
| Total domestic deposits to total assets | 79.7089% | 3,926 |
| Equity capital to assets | 8.8803% | 4,196 |
| Core capital (leverage) ratio | 8.9660% | 3,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $549,570,000 | 1,420 |
| Average earning assets | $497,590,250 | 1,440 |
| Average equity | $50,653,250 | 1,668 |
| Average total loans | $386,952,500 | 1,395 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5703% | 1,727 |
| Cost of funding earning assets | 0.7990% | 1,834 |
| Net interest margin | 3.7712% | 1,912 |
| Noninterest income to average assets | 4.2086% | 120 |
| Noninterest expense to average assets | 5.4012% | 163 |
| Loan and lease loss provision to assets | 0.5664% | 575 |
| Net operating income to assets | 1.3280% | 1,283 |
| Return on assets (ROA) | 1.3304% | 1,380 |
| Pretax return on assets | 1.6553% | 1,091 |
| Return on Equity (ROE) | 14.2334% | 846 |
| Retained earnings to average equity (ytd only) | 10.4867% | 694 |
| Net charge-offs to loans | 0.0563% | 1,692 |
| Credit loss provision to net charge-offs | 1,424.7619% | 621 |
| Earnings coverage of net charge-offs (x) | 55.8095% | 1,022 |
| Efficiency ratio | 70.8834% | 1,832 |
| Assets per employee ($millions) | 3.7246% | 4,533 |
| Cash dividends to net income (ytd only)* | 26.3233% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0924% | 3,105 |
| Loan loss allowance to noncurrent loans | 114.5278% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 0.6845% | 1,792 |
| Noncurrent loans to loans | 0.9538% | 1,620 |
| Net loans and leases to total assets | 70.9770% | 1,877 |
| Net loans and leases to deposits | 92.3793% | 1,115 |
| Net loans and leases to core deposits | 95.5693% | 1,607 |
| Total domestic deposits to total assets | 76.8321% | 4,336 |
| Equity capital to assets | 8.5590% | 4,443 |
| Core capital (leverage) ratio | 8.9102% | 4,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $528,251,667 | 1,439 |
| Average earning assets | $477,828,333 | 1,463 |
| Average equity | $49,376,667 | 1,690 |
| Average total loans | $372,990,667 | 1,422 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5514% | 2,150 |
| Cost of funding earning assets | 0.8824% | 1,958 |
| Net interest margin | 3.6690% | 2,436 |
| Noninterest income to average assets | 2.6510% | 178 |
| Noninterest expense to average assets | 4.9523% | 232 |
| Loan and lease loss provision to assets | 0.2397% | 1,296 |
| Net operating income to assets | 0.6285% | 3,521 |
| Return on assets (ROA) | 0.6285% | 3,580 |
| Pretax return on assets | 0.7671% | 3,499 |
| Return on Equity (ROE) | 6.3926% | 3,177 |
| Retained earnings to average equity (ytd only) | 1.8490% | 3,494 |
| Net charge-offs to loans | 0.1050% | 1,054 |
| Credit loss provision to net charge-offs | 326.6667% | 1,117 |
| Earnings coverage of net charge-offs (x) | 13.7222% | 1,637 |
| Efficiency ratio | 83.1053% | 898 |
| Assets per employee ($millions) | 3.5909% | 4,400 |
| Cash dividends to net income (ytd only)* | 71.0765% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0010% | 3,701 |
| Loan loss allowance to noncurrent loans | 84.6227% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 0.8043% | 1,686 |
| Noncurrent loans to loans | 1.1829% | 1,390 |
| Net loans and leases to total assets | 67.3142% | 2,646 |
| Net loans and leases to deposits | 92.3362% | 1,244 |
| Net loans and leases to core deposits | 96.5854% | 1,741 |
| Total domestic deposits to total assets | 72.9011% | 4,730 |
| Equity capital to assets | 9.2591% | 4,420 |
| Core capital (leverage) ratio | 9.4892% | 3,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6200% | 2,434 |
| Memoranda: | ||
| Average total assets | $490,684,000 | 1,489 |
| Average earning assets | $442,415,000 | 1,513 |
| Average equity | $48,243,000 | 1,713 |
| Average total loans | $342,988,000 | 1,475 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9101% | 1,724 |
| Cost of funding earning assets | 0.9921% | 1,758 |
| Net interest margin | 3.9179% | 2,109 |
| Noninterest income to average assets | 2.6248% | 187 |
| Noninterest expense to average assets | 4.8772% | 238 |
| Loan and lease loss provision to assets | 0.4483% | 305 |
| Net operating income to assets | 0.6911% | 3,893 |
| Return on assets (ROA) | 0.6993% | 3,932 |
| Pretax return on assets | 0.8531% | 3,870 |
| Return on Equity (ROE) | 7.7252% | 3,282 |
| Retained earnings to average equity (ytd only) | 4.7283% | 2,565 |
| Net charge-offs to loans | 0.7198% | 231 |
| Credit loss provision to net charge-offs | 84.7765% | 2,735 |
| Earnings coverage of net charge-offs (x) | 2.4422% | 3,417 |
| Efficiency ratio | 79.0658% | 1,026 |
| Assets per employee ($millions) | 3.1993% | 4,702 |
| Cash dividends to net income (ytd only)* | 38.7942% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0062% | 3,466 |
| Loan loss allowance to noncurrent loans | 108.7240% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 0.7042% | 1,838 |
| Noncurrent loans to loans | 0.9255% | 1,656 |
| Net loans and leases to total assets | 71.3282% | 2,199 |
| Net loans and leases to deposits | 90.5764% | 1,527 |
| Net loans and leases to core deposits | 95.1651% | 1,974 |
| Total domestic deposits to total assets | 78.7492% | 4,230 |
| Equity capital to assets | 10.4790% | 3,470 |
| Core capital (leverage) ratio | 9.8221% | 3,705 |
| Tier 1 risk-based capital ratio | 13.4857% | 3,533 |
| Total risk-based capital ratio | 14.4689% | 3,564 |
| Memoranda: | ||
| Average total assets | $469,594,200 | 1,495 |
| Average earning assets | $424,737,600 | 1,524 |
| Average equity | $42,510,400 | 1,835 |
| Average total loans | $344,973,200 | 1,440 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8994% | 1,820 |
| Cost of funding earning assets | 1.0042% | 1,747 |
| Net interest margin | 3.8951% | 2,272 |
| Noninterest income to average assets | 2.4158% | 208 |
| Noninterest expense to average assets | 4.8054% | 240 |
| Loan and lease loss provision to assets | 0.2413% | 687 |
| Net operating income to assets | 0.7317% | 3,906 |
| Return on assets (ROA) | 0.7426% | 3,934 |
| Pretax return on assets | 0.9074% | 3,852 |
| Return on Equity (ROE) | 8.5318% | 3,094 |
| Retained earnings to average equity (ytd only) | 5.4314% | 2,656 |
| Net charge-offs to loans | 0.0046% | 3,239 |
| Credit loss provision to net charge-offs | 7,116.6667% | 57 |
| Earnings coverage of net charge-offs (x) | 334.8250% | 292 |
| Efficiency ratio | 80.8876% | 843 |
| Assets per employee ($millions) | 3.2876% | 4,678 |
| Cash dividends to net income (ytd only)* | 36.3394% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3089% | 1,930 |
| Loan loss allowance to noncurrent loans | 88.8326% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 1.0690% | 1,233 |
| Noncurrent loans to loans | 1.4735% | 1,031 |
| Net loans and leases to total assets | 71.5987% | 2,241 |
| Net loans and leases to deposits | 91.3206% | 1,530 |
| Net loans and leases to core deposits | 95.9146% | 2,005 |
| Total domestic deposits to total assets | 78.4037% | 4,287 |
| Equity capital to assets | 9.1550% | 4,695 |
| Core capital (leverage) ratio | 8.9071% | 4,705 |
| Tier 1 risk-based capital ratio | 12.0639% | 4,389 |
| Total risk-based capital ratio | 13.3220% | 4,275 |
| Memoranda: | ||
| Average total assets | $471,819,500 | 1,502 |
| Average earning assets | $426,983,000 | 1,526 |
| Average equity | $41,069,000 | 1,889 |
| Average total loans | $348,230,500 | 1,437 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8537% | 1,897 |
| Cost of funding earning assets | 1.0182% | 1,613 |
| Net interest margin | 3.8355% | 2,457 |
| Noninterest income to average assets | 2.1318% | 240 |
| Noninterest expense to average assets | 4.6400% | 270 |
| Loan and lease loss provision to assets | 0.0009% | 3,679 |
| Net operating income to assets | 0.7951% | 3,672 |
| Return on assets (ROA) | 0.7951% | 3,734 |
| Pretax return on assets | 0.9729% | 3,634 |
| Return on Equity (ROE) | 9.2992% | 2,727 |
| Retained earnings to average equity (ytd only) | 6.1230% | 2,227 |
| Net charge-offs to loans | -0.0034% | 4,053 |
| Credit loss provision to net charge-offs | -33.3333% | 3,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6536% | 759 |
| Assets per employee ($millions) | 3.1592% | 4,801 |
| Cash dividends to net income (ytd only)* | 34.1555% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0597% | 3,286 |
| Loan loss allowance to noncurrent loans | 144.8678% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 0.5615% | 2,336 |
| Noncurrent loans to loans | 0.7315% | 2,160 |
| Net loans and leases to total assets | 75.9463% | 1,559 |
| Net loans and leases to deposits | 97.6761% | 878 |
| Net loans and leases to core deposits | 103.2648% | 1,446 |
| Total domestic deposits to total assets | 77.7532% | 4,444 |
| Equity capital to assets | 9.2025% | 4,651 |
| Core capital (leverage) ratio | 8.6478% | 4,881 |
| Tier 1 risk-based capital ratio | 11.6870% | 4,583 |
| Total risk-based capital ratio | 12.7724% | 4,566 |
| Memoranda: | ||
| Average total assets | $469,096,330 | 1,513 |
| Average earning assets | $425,861,670 | 1,536 |
| Average equity | $40,111,000 | 1,925 |
| Average total loans | $348,232,670 | 1,447 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5830% | 2,592 |
| Cost of funding earning assets | 1.0126% | 1,520 |
| Net interest margin | 3.5704% | 3,363 |
| Noninterest income to average assets | 1.9191% | 262 |
| Noninterest expense to average assets | 4.4374% | 314 |
| Loan and lease loss provision to assets | 0.0008% | 3,405 |
| Net operating income to assets | 0.6026% | 4,237 |
| Return on assets (ROA) | 0.6026% | 4,274 |
| Pretax return on assets | 0.7290% | 4,228 |
| Return on Equity (ROE) | 7.3166% | 3,540 |
| Retained earnings to average equity (ytd only) | 4.1035% | 3,277 |
| Net charge-offs to loans | -0.0185% | 4,464 |
| Credit loss provision to net charge-offs | -6.2500% | 3,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8751% | 586 |
| Assets per employee ($millions) | 3.3003% | 4,742 |
| Cash dividends to net income (ytd only)* | 43.9161% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 3,197 |
| Loan loss allowance to noncurrent loans | 136.8768% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.5511% | 2,443 |
| Noncurrent loans to loans | 0.7940% | 2,050 |
| Net loans and leases to total assets | 68.6483% | 2,669 |
| Net loans and leases to deposits | 85.7142% | 2,167 |
| Net loans and leases to core deposits | 90.2564% | 2,474 |
| Total domestic deposits to total assets | 80.0898% | 4,162 |
| Equity capital to assets | 7.9707% | 5,191 |
| Core capital (leverage) ratio | 8.1635% | 5,155 |
| Tier 1 risk-based capital ratio | 11.1813% | 4,896 |
| Total risk-based capital ratio | 12.2781% | 4,866 |
| Memoranda: | ||
| Average total assets | $474,604,500 | 1,510 |
| Average earning assets | $431,773,000 | 1,530 |
| Average equity | $39,089,000 | 1,967 |
| Average total loans | $346,538,500 | 1,458 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9530% | 1,152 |
| Cost of funding earning assets | 0.8130% | 1,460 |
| Net interest margin | 4.1400% | 1,559 |
| Noninterest income to average assets | 2.3670% | 214 |
| Noninterest expense to average assets | 5.0345% | 205 |
| Loan and lease loss provision to assets | 0.0045% | 4,021 |
| Net operating income to assets | 0.8942% | 3,457 |
| Return on assets (ROA) | 0.9077% | 3,402 |
| Pretax return on assets | 1.0859% | 3,323 |
| Return on Equity (ROE) | 10.3535% | 2,367 |
| Retained earnings to average equity (ytd only) | 7.2984% | 1,538 |
| Net charge-offs to loans | -0.0970% | 5,141 |
| Credit loss provision to net charge-offs | -5.9190% | 4,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4127% | 762 |
| Assets per employee ($millions) | 2.9879% | 5,000 |
| Cash dividends to net income (ytd only)* | 29.5078% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0635% | 3,305 |
| Loan loss allowance to noncurrent loans | 181.7604% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.4503% | 2,763 |
| Noncurrent loans to loans | 0.5851% | 2,538 |
| Net loans and leases to total assets | 76.1369% | 1,586 |
| Net loans and leases to deposits | 101.3037% | 638 |
| Net loans and leases to core deposits | 106.1528% | 1,260 |
| Total domestic deposits to total assets | 75.1570% | 4,853 |
| Equity capital to assets | 8.5255% | 4,915 |
| Core capital (leverage) ratio | 8.5275% | 5,015 |
| Tier 1 risk-based capital ratio | 11.0473% | 4,957 |
| Total risk-based capital ratio | 12.1295% | 4,918 |
| Memoranda: | ||
| Average total assets | $425,269,800 | 1,608 |
| Average earning assets | $384,376,600 | 1,653 |
| Average equity | $37,282,200 | 1,969 |
| Average total loans | $330,925,200 | 1,476 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9512% | 1,039 |
| Cost of funding earning assets | 0.7563% | 1,558 |
| Net interest margin | 4.1949% | 1,369 |
| Noninterest income to average assets | 2.3761% | 219 |
| Noninterest expense to average assets | 5.0790% | 192 |
| Loan and lease loss provision to assets | 0.0054% | 3,868 |
| Net operating income to assets | 0.8910% | 3,576 |
| Return on assets (ROA) | 0.9090% | 3,491 |
| Pretax return on assets | 1.1010% | 3,400 |
| Return on Equity (ROE) | 10.2914% | 2,482 |
| Retained earnings to average equity (ytd only) | 7.1354% | 2,058 |
| Net charge-offs to loans | -0.1532% | 5,254 |
| Credit loss provision to net charge-offs | -4.5333% | 4,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4019% | 748 |
| Assets per employee ($millions) | 2.9231% | 5,091 |
| Cash dividends to net income (ytd only)* | 30.6665% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0806% | 3,300 |
| Loan loss allowance to noncurrent loans | 189.8792% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.4591% | 2,853 |
| Noncurrent loans to loans | 0.5691% | 2,670 |
| Net loans and leases to total assets | 79.7962% | 1,051 |
| Net loans and leases to deposits | 106.7912% | 409 |
| Net loans and leases to core deposits | 109.3988% | 1,072 |
| Total domestic deposits to total assets | 74.7217% | 4,916 |
| Equity capital to assets | 8.6620% | 4,822 |
| Core capital (leverage) ratio | 8.7407% | 4,929 |
| Tier 1 risk-based capital ratio | 11.1385% | 4,974 |
| Total risk-based capital ratio | 12.2541% | 4,929 |
| Memoranda: | ||
| Average total assets | $418,048,000 | 1,643 |
| Average earning assets | $377,462,000 | 1,692 |
| Average equity | $36,923,000 | 1,987 |
| Average total loans | $326,282,000 | 1,497 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8569% | 1,113 |
| Cost of funding earning assets | 0.7141% | 1,549 |
| Net interest margin | 4.1429% | 1,434 |
| Noninterest income to average assets | 2.3379% | 225 |
| Noninterest expense to average assets | 5.0359% | 208 |
| Loan and lease loss provision to assets | 0.0077% | 3,685 |
| Net operating income to assets | 0.8594% | 3,631 |
| Return on assets (ROA) | 0.8868% | 3,519 |
| Pretax return on assets | 1.0678% | 3,440 |
| Return on Equity (ROE) | 9.9729% | 2,572 |
| Retained earnings to average equity (ytd only) | 7.2238% | 1,969 |
| Net charge-offs to loans | -0.0446% | 4,881 |
| Credit loss provision to net charge-offs | -22.5352% | 3,958 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8476% | 773 |
| Assets per employee ($millions) | 2.9379% | 5,140 |
| Cash dividends to net income (ytd only)* | 27.5655% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0085% | 3,781 |
| Loan loss allowance to noncurrent loans | 448.8342% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.1788% | 4,089 |
| Noncurrent loans to loans | 0.2247% | 3,914 |
| Net loans and leases to total assets | 78.7557% | 1,197 |
| Net loans and leases to deposits | 104.1887% | 519 |
| Net loans and leases to core deposits | 106.5191% | 1,207 |
| Total domestic deposits to total assets | 75.5895% | 4,894 |
| Equity capital to assets | 8.5882% | 4,883 |
| Core capital (leverage) ratio | 8.6932% | 4,963 |
| Tier 1 risk-based capital ratio | 10.8676% | 5,123 |
| Total risk-based capital ratio | 11.9046% | 5,106 |
| Memoranda: | ||
| Average total assets | $413,193,330 | 1,666 |
| Average earning assets | $373,075,000 | 1,713 |
| Average equity | $36,739,670 | 2,000 |
| Average total loans | $318,716,330 | 1,529 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7065% | 1,289 |
| Cost of funding earning assets | 0.6601% | 1,659 |
| Net interest margin | 4.0464% | 1,574 |
| Noninterest income to average assets | 2.0136% | 272 |
| Noninterest expense to average assets | 4.8681% | 233 |
| Loan and lease loss provision to assets | 0.0149% | 3,340 |
| Net operating income to assets | 0.6596% | 4,247 |
| Return on assets (ROA) | 0.6596% | 4,254 |
| Pretax return on assets | 0.7735% | 4,212 |
| Return on Equity (ROE) | 7.2858% | 3,672 |
| Retained earnings to average equity (ytd only) | 4.6712% | 3,322 |
| Net charge-offs to loans | -0.1241% | 5,277 |
| Credit loss provision to net charge-offs | -15.7895% | 3,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0620% | 643 |
| Assets per employee ($millions) | 2.8261% | 5,274 |
| Cash dividends to net income (ytd only)* | 35.8859% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1069% | 3,335 |
| Loan loss allowance to noncurrent loans | 447.7535% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.1901% | 4,131 |
| Noncurrent loans to loans | 0.2472% | 3,878 |
| Net loans and leases to total assets | 76.0444% | 1,538 |
| Net loans and leases to deposits | 101.3952% | 621 |
| Net loans and leases to core deposits | 103.9673% | 1,379 |
| Total domestic deposits to total assets | 74.9980% | 5,066 |
| Equity capital to assets | 8.8635% | 4,694 |
| Core capital (leverage) ratio | 8.8642% | 4,834 |
| Tier 1 risk-based capital ratio | 11.2795% | 4,991 |
| Total risk-based capital ratio | 12.3812% | 4,964 |
| Memoranda: | ||
| Average total assets | $403,854,000 | 1,715 |
| Average earning assets | $363,580,000 | 1,773 |
| Average equity | $36,564,500 | 2,012 |
| Average total loans | $306,280,000 | 1,573 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6461% | 1,320 |
| Cost of funding earning assets | 0.6139% | 1,514 |
| Net interest margin | 4.0322% | 1,650 |
| Noninterest income to average assets | 2.8115% | 188 |
| Noninterest expense to average assets | 5.2616% | 191 |
| Loan and lease loss provision to assets | 0.0285% | 3,704 |
| Net operating income to assets | 0.9382% | 2,502 |
| Return on assets (ROA) | 0.9382% | 2,546 |
| Pretax return on assets | 1.1243% | 3,090 |
| Return on Equity (ROE) | 10.2765% | 1,777 |
| Retained earnings to average equity (ytd only) | 6.7064% | 1,190 |
| Net charge-offs to loans | 0.0004% | 4,121 |
| Credit loss provision to net charge-offs | 11,000.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 4,453.0000% | 11 |
| Efficiency ratio | 82.0277% | 924 |
| Assets per employee ($millions) | 2.6706% | 5,392 |
| Cash dividends to net income (ytd only)* | 34.7406% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1356% | 3,143 |
| Loan loss allowance to noncurrent loans | 489.5652% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.1734% | 4,261 |
| Noncurrent loans to loans | 0.2320% | 3,973 |
| Net loans and leases to total assets | 73.9026% | 1,936 |
| Net loans and leases to deposits | 98.0244% | 902 |
| Net loans and leases to core deposits | 99.9449% | 1,720 |
| Total domestic deposits to total assets | 75.3921% | 5,042 |
| Equity capital to assets | 9.2500% | 4,475 |
| Core capital (leverage) ratio | 9.0621% | 4,572 |
| Tier 1 risk-based capital ratio | 11.7160% | 4,708 |
| Total risk-based capital ratio | 12.8323% | 4,692 |
| Memoranda: | ||
| Average total assets | $386,273,400 | 1,769 |
| Average earning assets | $345,146,200 | 1,817 |
| Average equity | $35,264,800 | 2,066 |
| Average total loans | $276,712,200 | 1,676 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5971% | 1,376 |
| Cost of funding earning assets | 0.6110% | 1,454 |
| Net interest margin | 3.9862% | 1,753 |
| Noninterest income to average assets | 2.8067% | 200 |
| Noninterest expense to average assets | 5.2941% | 192 |
| Loan and lease loss provision to assets | 0.0379% | 3,349 |
| Net operating income to assets | 0.7641% | 3,674 |
| Return on assets (ROA) | 0.7641% | 3,734 |
| Pretax return on assets | 1.0326% | 3,560 |
| Return on Equity (ROE) | 8.3983% | 2,930 |
| Retained earnings to average equity (ytd only) | 4.1934% | 3,404 |
| Net charge-offs to loans | 0.0137% | 3,248 |
| Credit loss provision to net charge-offs | 389.2857% | 782 |
| Earnings coverage of net charge-offs (x) | 109.9357% | 654 |
| Efficiency ratio | 83.1803% | 823 |
| Assets per employee ($millions) | 2.6053% | 5,481 |
| Cash dividends to net income (ytd only)* | 50.0683% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1379% | 3,266 |
| Loan loss allowance to noncurrent loans | 419.7995% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.2308% | 4,139 |
| Noncurrent loans to loans | 0.2710% | 3,986 |
| Net loans and leases to total assets | 73.9847% | 1,921 |
| Net loans and leases to deposits | 98.1828% | 896 |
| Net loans and leases to core deposits | 100.1769% | 1,691 |
| Total domestic deposits to total assets | 75.3540% | 5,091 |
| Equity capital to assets | 9.0980% | 4,821 |
| Core capital (leverage) ratio | 8.8897% | 4,876 |
| Tier 1 risk-based capital ratio | 11.6901% | 4,833 |
| Total risk-based capital ratio | 12.8254% | 4,794 |
| Memoranda: | ||
| Average total assets | $383,360,500 | 1,792 |
| Average earning assets | $342,176,000 | 1,844 |
| Average equity | $34,879,000 | 2,091 |
| Average total loans | $271,526,500 | 1,711 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5117% | 1,486 |
| Cost of funding earning assets | 0.6083% | 1,391 |
| Net interest margin | 3.9034% | 1,915 |
| Noninterest income to average assets | 2.6710% | 208 |
| Noninterest expense to average assets | 5.2898% | 195 |
| Loan and lease loss provision to assets | 0.0568% | 2,837 |
| Net operating income to assets | 0.6163% | 4,228 |
| Return on assets (ROA) | 0.6163% | 4,274 |
| Pretax return on assets | 0.8031% | 4,263 |
| Return on Equity (ROE) | 6.7737% | 3,679 |
| Retained earnings to average equity (ytd only) | 2.0824% | 4,418 |
| Net charge-offs to loans | 0.0265% | 2,685 |
| Credit loss provision to net charge-offs | 308.5714% | 945 |
| Earnings coverage of net charge-offs (x) | 46.6857% | 1,136 |
| Efficiency ratio | 86.0163% | 686 |
| Assets per employee ($millions) | 2.4894% | 5,557 |
| Cash dividends to net income (ytd only)* | 69.2570% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1833% | 3,119 |
| Loan loss allowance to noncurrent loans | 279.1980% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.3224% | 3,831 |
| Noncurrent loans to loans | 0.4238% | 3,501 |
| Net loans and leases to total assets | 72.8001% | 2,078 |
| Net loans and leases to deposits | 97.1147% | 979 |
| Net loans and leases to core deposits | 99.1453% | 1,715 |
| Total domestic deposits to total assets | 74.9631% | 5,204 |
| Equity capital to assets | 9.1727% | 4,742 |
| Core capital (leverage) ratio | 9.0211% | 4,700 |
| Tier 1 risk-based capital ratio | 12.0361% | 4,609 |
| Total risk-based capital ratio | 13.2138% | 4,546 |
| Memoranda: | ||
| Average total assets | $380,011,670 | 1,805 |
| Average earning assets | $338,675,670 | 1,862 |
| Average equity | $34,574,670 | 2,102 |
| Average total loans | $263,898,330 | 1,745 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3831% | 1,700 |
| Cost of funding earning assets | 0.5959% | 1,401 |
| Net interest margin | 3.7872% | 2,159 |
| Noninterest income to average assets | 2.1970% | 277 |
| Noninterest expense to average assets | 5.0590% | 227 |
| Loan and lease loss provision to assets | 0.0571% | 2,665 |
| Net operating income to assets | 0.3838% | 4,995 |
| Return on assets (ROA) | 0.3838% | 5,020 |
| Pretax return on assets | 0.4472% | 5,068 |
| Return on Equity (ROE) | 4.2358% | 4,692 |
| Retained earnings to average equity (ytd only) | -2.4388% | 5,213 |
| Net charge-offs to loans | 0.0848% | 1,502 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 8.8333% | 2,033 |
| Efficiency ratio | 90.9350% | 510 |
| Assets per employee ($millions) | 2.5043% | 5,621 |
| Cash dividends to net income (ytd only)* | 157.5758% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2766% | 2,649 |
| Loan loss allowance to noncurrent loans | 489.3713% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 4,501 |
| Noncurrent loans to loans | 0.2609% | 4,179 |
| Net loans and leases to total assets | 66.8491% | 2,842 |
| Net loans and leases to deposits | 89.0153% | 1,665 |
| Net loans and leases to core deposits | 90.8559% | 2,284 |
| Total domestic deposits to total assets | 75.0984% | 5,324 |
| Equity capital to assets | 9.0408% | 4,770 |
| Core capital (leverage) ratio | 9.0196% | 4,711 |
| Tier 1 risk-based capital ratio | 12.4486% | 4,415 |
| Total risk-based capital ratio | 13.6492% | 4,354 |
| Memoranda: | ||
| Average total assets | $378,334,500 | 1,824 |
| Average earning assets | $336,291,500 | 1,881 |
| Average equity | $34,279,500 | 2,126 |
| Average total loans | $254,631,000 | 1,810 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4347% | 1,729 |
| Cost of funding earning assets | 0.4941% | 2,133 |
| Net interest margin | 3.9406% | 1,818 |
| Noninterest income to average assets | 3.2257% | 181 |
| Noninterest expense to average assets | 5.6703% | 190 |
| Loan and lease loss provision to assets | 0.0009% | 4,321 |
| Net operating income to assets | 0.8269% | 3,175 |
| Return on assets (ROA) | 0.8327% | 3,256 |
| Pretax return on assets | 1.1057% | 3,081 |
| Return on Equity (ROE) | 8.5921% | 2,620 |
| Retained earnings to average equity (ytd only) | 5.6738% | 1,901 |
| Net charge-offs to loans | 0.0553% | 2,937 |
| Credit loss provision to net charge-offs | 2.4194% | 3,775 |
| Earnings coverage of net charge-offs (x) | 30.8952% | 1,409 |
| Efficiency ratio | 83.7669% | 1,031 |
| Assets per employee ($millions) | 2.5749% | 5,629 |
| Cash dividends to net income (ytd only)* | 33.9649% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2911% | 2,597 |
| Loan loss allowance to noncurrent loans | 451.5193% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.2269% | 4,400 |
| Noncurrent loans to loans | 0.2859% | 4,126 |
| Net loans and leases to total assets | 66.0294% | 3,070 |
| Net loans and leases to deposits | 89.9010% | 1,694 |
| Net loans and leases to core deposits | 92.4674% | 2,252 |
| Total domestic deposits to total assets | 73.4468% | 5,479 |
| Equity capital to assets | 9.0805% | 4,732 |
| Core capital (leverage) ratio | 9.5724% | 4,001 |
| Tier 1 risk-based capital ratio | 11.6381% | 4,960 |
| Total risk-based capital ratio | 12.7467% | 4,959 |
| Memoranda: | ||
| Average total assets | $348,640,800 | 1,906 |
| Average earning assets | $313,503,800 | 1,953 |
| Average equity | $33,787,000 | 2,144 |
| Average total loans | $224,325,600 | 1,950 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4135% | 1,819 |
| Cost of funding earning assets | 0.4859% | 2,207 |
| Net interest margin | 3.9276% | 1,886 |
| Noninterest income to average assets | 3.1577% | 194 |
| Noninterest expense to average assets | 5.6920% | 189 |
| Loan and lease loss provision to assets | 0.0012% | 4,179 |
| Net operating income to assets | 0.7743% | 3,489 |
| Return on assets (ROA) | 0.7824% | 3,586 |
| Pretax return on assets | 1.0223% | 3,541 |
| Return on Equity (ROE) | 7.9346% | 3,045 |
| Retained earnings to average equity (ytd only) | 5.0770% | 2,776 |
| Net charge-offs to loans | 0.1591% | 1,423 |
| Credit loss provision to net charge-offs | 1.1583% | 3,408 |
| Earnings coverage of net charge-offs (x) | 10.0078% | 2,622 |
| Efficiency ratio | 84.8925% | 915 |
| Assets per employee ($millions) | 2.3745% | 5,780 |
| Cash dividends to net income (ytd only)* | 36.0140% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2674% | 2,858 |
| Loan loss allowance to noncurrent loans | 127.5539% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.6992% | 2,814 |
| Noncurrent loans to loans | 0.9936% | 2,256 |
| Net loans and leases to total assets | 69.4758% | 2,575 |
| Net loans and leases to deposits | 93.6740% | 1,296 |
| Net loans and leases to core deposits | 96.3592% | 1,957 |
| Total domestic deposits to total assets | 74.1676% | 5,417 |
| Equity capital to assets | 9.9095% | 4,227 |
| Core capital (leverage) ratio | 9.8628% | 3,737 |
| Tier 1 risk-based capital ratio | 11.9845% | 4,798 |
| Total risk-based capital ratio | 13.0951% | 4,786 |
| Memoranda: | ||
| Average total assets | $341,172,000 | 1,943 |
| Average earning assets | $308,137,000 | 1,992 |
| Average equity | $33,641,000 | 2,166 |
| Average total loans | $217,106,750 | 1,998 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2686% | 2,260 |
| Cost of funding earning assets | 0.4910% | 2,178 |
| Net interest margin | 3.7775% | 2,414 |
| Noninterest income to average assets | 2.9382% | 212 |
| Noninterest expense to average assets | 5.4489% | 216 |
| Loan and lease loss provision to assets | 0.0012% | 4,008 |
| Net operating income to assets | 0.7049% | 3,763 |
| Return on assets (ROA) | 0.7100% | 3,893 |
| Pretax return on assets | 0.9066% | 3,931 |
| Return on Equity (ROE) | 7.2128% | 3,414 |
| Retained earnings to average equity (ytd only) | 4.3192% | 3,173 |
| Net charge-offs to loans | 0.0222% | 3,048 |
| Credit loss provision to net charge-offs | 8.6957% | 3,005 |
| Earnings coverage of net charge-offs (x) | 66.1739% | 818 |
| Efficiency ratio | 85.8075% | 902 |
| Assets per employee ($millions) | 2.4247% | 5,821 |
| Cash dividends to net income (ytd only)* | 40.1168% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4498% | 2,065 |
| Loan loss allowance to noncurrent loans | 178.3483% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.5373% | 3,421 |
| Noncurrent loans to loans | 0.8129% | 2,715 |
| Net loans and leases to total assets | 65.1376% | 3,209 |
| Net loans and leases to deposits | 86.6785% | 2,172 |
| Net loans and leases to core deposits | 89.0184% | 2,638 |
| Total domestic deposits to total assets | 75.1485% | 5,392 |
| Equity capital to assets | 9.5300% | 4,736 |
| Core capital (leverage) ratio | 9.9660% | 3,603 |
| Tier 1 risk-based capital ratio | 12.5447% | 4,484 |
| Total risk-based capital ratio | 13.7948% | 4,401 |
| Memoranda: | ||
| Average total assets | $337,756,330 | 1,974 |
| Average earning assets | $305,066,000 | 2,017 |
| Average equity | $33,246,670 | 2,189 |
| Average total loans | $207,047,330 | 2,081 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2002% | 2,471 |
| Cost of funding earning assets | 0.5107% | 2,020 |
| Net interest margin | 3.6895% | 2,712 |
| Noninterest income to average assets | 2.4241% | 264 |
| Noninterest expense to average assets | 5.2678% | 238 |
| Loan and lease loss provision to assets | 0.0012% | 3,651 |
| Net operating income to assets | 0.4062% | 4,973 |
| Return on assets (ROA) | 0.4062% | 5,054 |
| Pretax return on assets | 0.4570% | 5,195 |
| Return on Equity (ROE) | 4.0583% | 4,875 |
| Retained earnings to average equity (ytd only) | 1.4494% | 4,688 |
| Net charge-offs to loans | 0.0844% | 1,653 |
| Credit loss provision to net charge-offs | 2.4390% | 2,411 |
| Earnings coverage of net charge-offs (x) | 9.2439% | 1,999 |
| Efficiency ratio | 91.9975% | 548 |
| Assets per employee ($millions) | 2.5085% | 5,844 |
| Cash dividends to net income (ytd only)* | 64.2857% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6907% | 1,385 |
| Loan loss allowance to noncurrent loans | 167.7516% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.5988% | 3,262 |
| Noncurrent loans to loans | 1.0079% | 2,367 |
| Net loans and leases to total assets | 57.5188% | 4,094 |
| Net loans and leases to deposits | 73.8211% | 3,454 |
| Net loans and leases to core deposits | 75.4150% | 3,740 |
| Total domestic deposits to total assets | 77.9165% | 5,161 |
| Equity capital to assets | 9.8491% | 4,272 |
| Core capital (leverage) ratio | 9.9433% | 3,605 |
| Tier 1 risk-based capital ratio | 14.3232% | 3,487 |
| Total risk-based capital ratio | 15.5758% | 3,413 |
| Memoranda: | ||
| Average total assets | $330,842,000 | 2,022 |
| Average earning assets | $296,082,500 | 2,083 |
| Average equity | $33,117,000 | 2,190 |
| Average total loans | $194,242,500 | 2,169 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6794% | 1,152 |
| Cost of funding earning assets | 0.4913% | 2,239 |
| Net interest margin | 4.1881% | 1,191 |
| Noninterest income to average assets | 2.8867% | 213 |
| Noninterest expense to average assets | 5.5840% | 204 |
| Loan and lease loss provision to assets | -0.2123% | 5,994 |
| Net operating income to assets | 1.0273% | 2,217 |
| Return on assets (ROA) | 1.0606% | 2,164 |
| Pretax return on assets | 1.3597% | 2,072 |
| Return on Equity (ROE) | 10.0917% | 1,974 |
| Retained earnings to average equity (ytd only) | 6.5016% | 1,544 |
| Net charge-offs to loans | -0.0375% | 5,476 |
| Credit loss provision to net charge-offs | 897.2222% | 380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4848% | 1,224 |
| Assets per employee ($millions) | 2.5436% | 5,867 |
| Cash dividends to net income (ytd only)* | 35.5748% | 3,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7810% | 1,168 |
| Loan loss allowance to noncurrent loans | 363.3441% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.3117% | 4,352 |
| Noncurrent loans to loans | 0.4902% | 3,733 |
| Net loans and leases to total assets | 57.8755% | 4,106 |
| Net loans and leases to deposits | 73.5921% | 3,543 |
| Net loans and leases to core deposits | 75.2390% | 3,827 |
| Total domestic deposits to total assets | 78.6437% | 5,044 |
| Equity capital to assets | 10.1785% | 3,774 |
| Core capital (leverage) ratio | 9.8106% | 3,753 |
| Tier 1 risk-based capital ratio | 13.7559% | 3,852 |
| Total risk-based capital ratio | 15.0092% | 3,784 |
| Memoranda: | ||
| Average total assets | $304,260,400 | 2,123 |
| Average earning assets | $276,211,400 | 2,159 |
| Average equity | $31,976,800 | 2,202 |
| Average total loans | $191,870,800 | 2,142 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8017% | 928 |
| Cost of funding earning assets | 0.4792% | 2,417 |
| Net interest margin | 4.3226% | 920 |
| Noninterest income to average assets | 3.0563% | 206 |
| Noninterest expense to average assets | 5.6284% | 205 |
| Loan and lease loss provision to assets | 0.0013% | 4,217 |
| Net operating income to assets | 1.0782% | 2,102 |
| Return on assets (ROA) | 1.1234% | 1,987 |
| Pretax return on assets | 1.4394% | 1,865 |
| Return on Equity (ROE) | 10.5989% | 1,864 |
| Retained earnings to average equity (ytd only) | 8.0500% | 1,228 |
| Net charge-offs to loans | -0.0312% | 5,371 |
| Credit loss provision to net charge-offs | -6.6667% | 4,837 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2768% | 1,620 |
| Assets per employee ($millions) | 2.4113% | 5,998 |
| Cash dividends to net income (ytd only)* | 24.0490% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0491% | 847 |
| Loan loss allowance to noncurrent loans | 508.1013% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.2821% | 4,642 |
| Noncurrent loans to loans | 0.4033% | 4,169 |
| Net loans and leases to total assets | 62.6560% | 3,513 |
| Net loans and leases to deposits | 80.8335% | 2,787 |
| Net loans and leases to core deposits | 83.0596% | 3,149 |
| Total domestic deposits to total assets | 77.5125% | 5,258 |
| Equity capital to assets | 10.6783% | 3,381 |
| Core capital (leverage) ratio | 10.1491% | 3,439 |
| Tier 1 risk-based capital ratio | 14.9389% | 3,323 |
| Total risk-based capital ratio | 16.1974% | 3,269 |
| Memoranda: | ||
| Average total assets | $299,567,250 | 2,165 |
| Average earning assets | $274,088,750 | 2,193 |
| Average equity | $31,751,000 | 2,230 |
| Average total loans | $192,251,750 | 2,156 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8133% | 870 |
| Cost of funding earning assets | 0.4640% | 2,572 |
| Net interest margin | 4.3493% | 833 |
| Noninterest income to average assets | 2.9151% | 225 |
| Noninterest expense to average assets | 5.5680% | 213 |
| Loan and lease loss provision to assets | 0.0007% | 4,064 |
| Net operating income to assets | 1.0338% | 2,207 |
| Return on assets (ROA) | 1.0432% | 2,282 |
| Pretax return on assets | 1.3372% | 2,220 |
| Return on Equity (ROE) | 9.8682% | 2,133 |
| Retained earnings to average equity (ytd only) | 7.3741% | 1,532 |
| Net charge-offs to loans | -0.1403% | 5,913 |
| Credit loss provision to net charge-offs | -0.7463% | 4,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7689% | 1,652 |
| Assets per employee ($millions) | 2.4277% | 6,069 |
| Cash dividends to net income (ytd only)* | 25.2740% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1473% | 797 |
| Loan loss allowance to noncurrent loans | 215.6151% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.6218% | 3,549 |
| Noncurrent loans to loans | 0.9959% | 2,651 |
| Net loans and leases to total assets | 61.0938% | 3,680 |
| Net loans and leases to deposits | 79.8970% | 2,802 |
| Net loans and leases to core deposits | 81.8557% | 3,193 |
| Total domestic deposits to total assets | 76.4658% | 5,535 |
| Equity capital to assets | 10.3032% | 3,687 |
| Core capital (leverage) ratio | 10.3138% | 3,203 |
| Tier 1 risk-based capital ratio | 15.3473% | 3,180 |
| Total risk-based capital ratio | 16.6071% | 3,114 |
| Memoranda: | ||
| Average total assets | $297,344,000 | 2,193 |
| Average earning assets | $271,997,000 | 2,218 |
| Average equity | $31,434,330 | 2,250 |
| Average total loans | $191,039,000 | 2,173 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6926% | 1,045 |
| Cost of funding earning assets | 0.4426% | 2,853 |
| Net interest margin | 4.2501% | 974 |
| Noninterest income to average assets | 2.5933% | 260 |
| Noninterest expense to average assets | 5.2179% | 258 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0222% | 2,153 |
| Return on assets (ROA) | 1.0414% | 2,214 |
| Pretax return on assets | 1.3321% | 2,145 |
| Return on Equity (ROE) | 9.7219% | 2,125 |
| Retained earnings to average equity (ytd only) | 7.4921% | 1,767 |
| Net charge-offs to loans | -0.0921% | 5,822 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9624% | 1,902 |
| Assets per employee ($millions) | 2.4048% | 6,153 |
| Cash dividends to net income (ytd only)* | 22.9358% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0536% | 988 |
| Loan loss allowance to noncurrent loans | 263.8158% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.5206% | 3,942 |
| Noncurrent loans to loans | 0.7784% | 3,307 |
| Net loans and leases to total assets | 64.6581% | 2,996 |
| Net loans and leases to deposits | 83.1302% | 2,191 |
| Net loans and leases to core deposits | 84.8650% | 2,674 |
| Total domestic deposits to total assets | 77.7793% | 5,489 |
| Equity capital to assets | 10.7726% | 3,233 |
| Core capital (leverage) ratio | 10.4826% | 2,986 |
| Tier 1 risk-based capital ratio | 16.4655% | 2,695 |
| Total risk-based capital ratio | 17.7261% | 2,634 |
| Memoranda: | ||
| Average total assets | $293,068,500 | 2,232 |
| Average earning assets | $271,149,500 | 2,243 |
| Average equity | $31,393,000 | 2,264 |
| Average total loans | $191,066,500 | 2,174 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6053% | 1,546 |
| Cost of funding earning assets | 0.5123% | 2,551 |
| Net interest margin | 4.0931% | 1,601 |
| Noninterest income to average assets | 1.8779% | 377 |
| Noninterest expense to average assets | 4.5012% | 462 |
| Loan and lease loss provision to assets | 0.1460% | 1,805 |
| Net operating income to assets | 0.7583% | 3,579 |
| Return on assets (ROA) | 0.7735% | 3,599 |
| Pretax return on assets | 0.9921% | 3,528 |
| Return on Equity (ROE) | 7.5503% | 3,348 |
| Retained earnings to average equity (ytd only) | 5.3861% | 2,343 |
| Net charge-offs to loans | 0.5264% | 774 |
| Credit loss provision to net charge-offs | 46.3883% | 3,561 |
| Earnings coverage of net charge-offs (x) | 3.5530% | 3,864 |
| Efficiency ratio | 80.0961% | 1,914 |
| Assets per employee ($millions) | 2.4398% | 6,193 |
| Cash dividends to net income (ytd only)* | 28.6633% | 3,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1224% | 917 |
| Loan loss allowance to noncurrent loans | 228.9838% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.6045% | 3,781 |
| Noncurrent loans to loans | 0.9269% | 2,999 |
| Net loans and leases to total assets | 62.9952% | 3,362 |
| Net loans and leases to deposits | 79.8597% | 2,735 |
| Net loans and leases to core deposits | 81.5299% | 3,149 |
| Total domestic deposits to total assets | 78.8824% | 5,269 |
| Equity capital to assets | 10.6499% | 3,298 |
| Core capital (leverage) ratio | 10.7146% | 2,703 |
| Tier 1 risk-based capital ratio | 15.4286% | 3,260 |
| Total risk-based capital ratio | 16.6882% | 3,199 |
| Memoranda: | ||
| Average total assets | $281,435,200 | 2,263 |
| Average earning assets | $257,289,600 | 2,293 |
| Average equity | $28,833,400 | 2,358 |
| Average total loans | $168,323,200 | 2,336 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5666% | 1,652 |
| Cost of funding earning assets | 0.5273% | 2,493 |
| Net interest margin | 4.0393% | 1,754 |
| Noninterest income to average assets | 1.5830% | 509 |
| Noninterest expense to average assets | 4.1703% | 629 |
| Loan and lease loss provision to assets | 0.1948% | 1,233 |
| Net operating income to assets | 0.7027% | 3,925 |
| Return on assets (ROA) | 0.7153% | 3,963 |
| Pretax return on assets | 0.9178% | 3,911 |
| Return on Equity (ROE) | 7.0547% | 3,686 |
| Retained earnings to average equity (ytd only) | 4.8177% | 3,203 |
| Net charge-offs to loans | 0.7689% | 438 |
| Credit loss provision to net charge-offs | 43.2203% | 3,234 |
| Earnings coverage of net charge-offs (x) | 2.4322% | 3,913 |
| Efficiency ratio | 79.1822% | 2,031 |
| Assets per employee ($millions) | 2.2957% | 6,348 |
| Cash dividends to net income (ytd only)* | 31.7091% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2040% | 942 |
| Loan loss allowance to noncurrent loans | 260.6809% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.5677% | 4,148 |
| Noncurrent loans to loans | 0.8455% | 3,458 |
| Net loans and leases to total assets | 61.8670% | 3,507 |
| Net loans and leases to deposits | 78.5920% | 2,882 |
| Net loans and leases to core deposits | 80.0217% | 3,312 |
| Total domestic deposits to total assets | 78.7192% | 5,387 |
| Equity capital to assets | 10.6391% | 3,383 |
| Core capital (leverage) ratio | 10.3819% | 3,179 |
| Tier 1 risk-based capital ratio | 15.8468% | 3,131 |
| Total risk-based capital ratio | 17.1072% | 3,070 |
| Memoranda: | ||
| Average total assets | $279,208,750 | 2,300 |
| Average earning assets | $254,626,250 | 2,321 |
| Average equity | $28,311,500 | 2,398 |
| Average total loans | $163,687,250 | 2,405 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4298% | 2,063 |
| Cost of funding earning assets | 0.5378% | 2,457 |
| Net interest margin | 3.8920% | 2,204 |
| Noninterest income to average assets | 0.9988% | 1,203 |
| Noninterest expense to average assets | 3.5379% | 1,410 |
| Loan and lease loss provision to assets | 0.3241% | 580 |
| Net operating income to assets | 0.5578% | 4,557 |
| Return on assets (ROA) | 0.6425% | 4,241 |
| Pretax return on assets | 0.7601% | 4,418 |
| Return on Equity (ROE) | 6.4423% | 3,915 |
| Retained earnings to average equity (ytd only) | 4.0983% | 3,564 |
| Net charge-offs to loans | 1.2551% | 242 |
| Credit loss provision to net charge-offs | 45.2452% | 2,861 |
| Earnings coverage of net charge-offs (x) | 1.3744% | 3,821 |
| Efficiency ratio | 78.2305% | 2,260 |
| Assets per employee ($millions) | 2.4085% | 6,349 |
| Cash dividends to net income (ytd only)* | 36.3839% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2272% | 987 |
| Loan loss allowance to noncurrent loans | 128.0079% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 1.1309% | 2,816 |
| Noncurrent loans to loans | 1.7399% | 1,985 |
| Net loans and leases to total assets | 60.1495% | 3,688 |
| Net loans and leases to deposits | 76.2318% | 3,027 |
| Net loans and leases to core deposits | 77.8996% | 3,451 |
| Total domestic deposits to total assets | 78.9034% | 5,479 |
| Equity capital to assets | 10.1889% | 3,846 |
| Core capital (leverage) ratio | 10.4247% | 3,056 |
| Tier 1 risk-based capital ratio | 15.6114% | 3,289 |
| Total risk-based capital ratio | 16.8714% | 3,232 |
| Memoranda: | ||
| Average total assets | $278,921,670 | 2,302 |
| Average earning assets | $252,516,000 | 2,334 |
| Average equity | $27,816,330 | 2,419 |
| Average total loans | $159,191,000 | 2,456 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2580% | 2,673 |
| Cost of funding earning assets | 0.5471% | 2,445 |
| Net interest margin | 3.7109% | 2,821 |
| Noninterest income to average assets | 0.5270% | 3,218 |
| Noninterest expense to average assets | 2.9043% | 3,196 |
| Loan and lease loss provision to assets | 0.5009% | 298 |
| Net operating income to assets | 0.4161% | 5,058 |
| Return on assets (ROA) | 0.6037% | 4,260 |
| Pretax return on assets | 0.6689% | 4,602 |
| Return on Equity (ROE) | 6.1220% | 3,952 |
| Retained earnings to average equity (ytd only) | 3.5528% | 4,003 |
| Net charge-offs to loans | 2.8619% | 71 |
| Credit loss provision to net charge-offs | 31.9483% | 2,382 |
| Earnings coverage of net charge-offs (x) | 0.6131% | 3,296 |
| Efficiency ratio | 75.1311% | 2,944 |
| Assets per employee ($millions) | 3.5180% | 4,888 |
| Cash dividends to net income (ytd only)* | 41.9664% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4361% | 868 |
| Loan loss allowance to noncurrent loans | 120.7301% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 1.2557% | 2,761 |
| Noncurrent loans to loans | 2.0178% | 1,848 |
| Net loans and leases to total assets | 52.7087% | 4,576 |
| Net loans and leases to deposits | 65.3910% | 4,158 |
| Net loans and leases to core deposits | 66.8009% | 4,416 |
| Total domestic deposits to total assets | 80.6055% | 5,351 |
| Equity capital to assets | 9.9030% | 3,958 |
| Core capital (leverage) ratio | 10.4752% | 2,963 |
| Tier 1 risk-based capital ratio | 16.4194% | 2,941 |
| Total risk-based capital ratio | 17.6798% | 2,899 |
| Memoranda: | ||
| Average total assets | $276,281,500 | 2,328 |
| Average earning assets | $248,567,000 | 2,363 |
| Average equity | $27,246,000 | 2,453 |
| Average total loans | $151,366,500 | 2,560 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3615% | 2,725 |
| Cost of funding earning assets | 0.6932% | 1,870 |
| Net interest margin | 3.6683% | 3,182 |
| Noninterest income to average assets | 0.7406% | 2,332 |
| Noninterest expense to average assets | 2.9331% | 3,268 |
| Loan and lease loss provision to assets | 0.0598% | 3,942 |
| Net operating income to assets | 0.8636% | 2,953 |
| Return on assets (ROA) | 0.8810% | 2,962 |
| Pretax return on assets | 1.0915% | 2,977 |
| Return on Equity (ROE) | 8.6534% | 2,724 |
| Retained earnings to average equity (ytd only) | 5.8048% | 2,095 |
| Net charge-offs to loans | 0.2375% | 2,554 |
| Credit loss provision to net charge-offs | 46.4589% | 3,902 |
| Earnings coverage of net charge-offs (x) | 8.7734% | 2,610 |
| Efficiency ratio | 72.1918% | 3,441 |
| Assets per employee ($millions) | 3.5211% | 4,856 |
| Cash dividends to net income (ytd only)* | 32.9193% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9472% | 504 |
| Loan loss allowance to noncurrent loans | 114.2526% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 1.5451% | 2,411 |
| Noncurrent loans to loans | 2.5796% | 1,452 |
| Net loans and leases to total assets | 53.9403% | 4,587 |
| Net loans and leases to deposits | 65.7977% | 4,318 |
| Net loans and leases to core deposits | 67.2423% | 4,587 |
| Total domestic deposits to total assets | 81.9790% | 4,883 |
| Equity capital to assets | 9.8188% | 4,009 |
| Core capital (leverage) ratio | 10.6045% | 2,776 |
| Tier 1 risk-based capital ratio | 16.6673% | 2,775 |
| Total risk-based capital ratio | 17.9337% | 2,722 |
| Memoranda: | ||
| Average total assets | $274,111,400 | 2,315 |
| Average earning assets | $248,263,600 | 2,344 |
| Average equity | $27,908,000 | 2,388 |
| Average total loans | $148,658,200 | 2,577 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3312% | 2,867 |
| Cost of funding earning assets | 0.7302% | 1,738 |
| Net interest margin | 3.6011% | 3,442 |
| Noninterest income to average assets | 0.7989% | 2,152 |
| Noninterest expense to average assets | 2.9406% | 3,165 |
| Loan and lease loss provision to assets | 0.0800% | 3,459 |
| Net operating income to assets | 0.8403% | 3,138 |
| Return on assets (ROA) | 0.8635% | 3,139 |
| Pretax return on assets | 1.0701% | 3,224 |
| Return on Equity (ROE) | 8.4070% | 2,922 |
| Retained earnings to average equity (ytd only) | 6.0691% | 2,363 |
| Net charge-offs to loans | 0.2853% | 2,115 |
| Credit loss provision to net charge-offs | 52.0505% | 3,456 |
| Earnings coverage of net charge-offs (x) | 7.2933% | 2,815 |
| Efficiency ratio | 72.3907% | 3,336 |
| Assets per employee ($millions) | 3.4651% | 4,911 |
| Cash dividends to net income (ytd only)* | 27.8089% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9900% | 557 |
| Loan loss allowance to noncurrent loans | 118.4343% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 1.4576% | 2,761 |
| Noncurrent loans to loans | 2.5246% | 1,710 |
| Net loans and leases to total assets | 53.0749% | 4,740 |
| Net loans and leases to deposits | 64.6314% | 4,448 |
| Net loans and leases to core deposits | 66.1281% | 4,702 |
| Total domestic deposits to total assets | 82.1195% | 4,882 |
| Equity capital to assets | 9.8026% | 4,180 |
| Core capital (leverage) ratio | 10.3156% | 3,217 |
| Tier 1 risk-based capital ratio | 16.5597% | 2,916 |
| Total risk-based capital ratio | 17.8268% | 2,873 |
| Memoranda: | ||
| Average total assets | $274,858,750 | 2,314 |
| Average earning assets | $249,069,250 | 2,345 |
| Average equity | $28,229,750 | 2,391 |
| Average total loans | $148,151,500 | 2,598 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3054% | 2,937 |
| Cost of funding earning assets | 0.7649% | 1,619 |
| Net interest margin | 3.5406% | 3,604 |
| Noninterest income to average assets | 0.8669% | 1,935 |
| Noninterest expense to average assets | 2.9452% | 3,188 |
| Loan and lease loss provision to assets | 0.1199% | 2,821 |
| Net operating income to assets | 0.8051% | 3,268 |
| Return on assets (ROA) | 0.8357% | 3,273 |
| Pretax return on assets | 1.0319% | 3,366 |
| Return on Equity (ROE) | 8.0153% | 3,091 |
| Retained earnings to average equity (ytd only) | 6.7956% | 1,986 |
| Net charge-offs to loans | -0.0257% | 6,053 |
| Credit loss provision to net charge-offs | -868.4211% | 6,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5564% | 3,379 |
| Assets per employee ($millions) | 3.4179% | 5,022 |
| Cash dividends to net income (ytd only)* | 15.2174% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2713% | 452 |
| Loan loss allowance to noncurrent loans | 117.6154% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 1.6029% | 2,712 |
| Noncurrent loans to loans | 2.7814% | 1,633 |
| Net loans and leases to total assets | 52.7171% | 4,778 |
| Net loans and leases to deposits | 64.6477% | 4,415 |
| Net loans and leases to core deposits | 66.4606% | 4,646 |
| Total domestic deposits to total assets | 81.5451% | 5,200 |
| Equity capital to assets | 10.3246% | 3,521 |
| Core capital (leverage) ratio | 10.3113% | 3,090 |
| Tier 1 risk-based capital ratio | 16.8343% | 2,773 |
| Total risk-based capital ratio | 18.1047% | 2,740 |
| Memoranda: | ||
| Average total assets | $275,230,000 | 2,323 |
| Average earning assets | $248,152,670 | 2,365 |
| Average equity | $28,695,000 | 2,367 |
| Average total loans | $147,612,670 | 2,609 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1920% | 3,339 |
| Cost of funding earning assets | 0.7859% | 1,607 |
| Net interest margin | 3.4061% | 4,095 |
| Noninterest income to average assets | 0.9056% | 1,745 |
| Noninterest expense to average assets | 2.9269% | 3,246 |
| Loan and lease loss provision to assets | 0.2289% | 1,600 |
| Net operating income to assets | 0.7069% | 3,656 |
| Return on assets (ROA) | 0.7069% | 3,793 |
| Pretax return on assets | 0.8321% | 4,033 |
| Return on Equity (ROE) | 6.7483% | 3,623 |
| Retained earnings to average equity (ytd only) | 4.3431% | 3,630 |
| Net charge-offs to loans | 0.5005% | 1,205 |
| Credit loss provision to net charge-offs | 85.9459% | 2,086 |
| Earnings coverage of net charge-offs (x) | 3.9838% | 2,637 |
| Efficiency ratio | 73.3935% | 3,372 |
| Assets per employee ($millions) | 3.6027% | 4,778 |
| Cash dividends to net income (ytd only)* | 35.6415% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1321% | 583 |
| Loan loss allowance to noncurrent loans | 72.6068% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 2.5097% | 1,835 |
| Noncurrent loans to loans | 4.3138% | 998 |
| Net loans and leases to total assets | 51.3284% | 4,790 |
| Net loans and leases to deposits | 63.4316% | 4,378 |
| Net loans and leases to core deposits | 65.2500% | 4,626 |
| Total domestic deposits to total assets | 80.9193% | 5,522 |
| Equity capital to assets | 10.4980% | 3,538 |
| Core capital (leverage) ratio | 9.9296% | 3,494 |
| Tier 1 risk-based capital ratio | 16.8449% | 2,834 |
| Total risk-based capital ratio | 18.1183% | 2,789 |
| Memoranda: | ||
| Average total assets | $277,837,500 | 2,327 |
| Average earning assets | $251,434,000 | 2,356 |
| Average equity | $29,103,500 | 2,367 |
| Average total loans | $147,840,000 | 2,617 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7686% | 2,326 |
| Cost of funding earning assets | 0.9690% | 1,536 |
| Net interest margin | 3.7996% | 3,227 |
| Noninterest income to average assets | 0.5582% | 3,518 |
| Noninterest expense to average assets | 2.9498% | 3,468 |
| Loan and lease loss provision to assets | 0.4107% | 1,568 |
| Net operating income to assets | 0.5525% | 4,465 |
| Return on assets (ROA) | 0.6263% | 4,371 |
| Pretax return on assets | 0.6981% | 4,672 |
| Return on Equity (ROE) | 6.0020% | 4,165 |
| Retained earnings to average equity (ytd only) | 4.8842% | 2,783 |
| Net charge-offs to loans | 1.6613% | 503 |
| Credit loss provision to net charge-offs | 43.1555% | 4,859 |
| Earnings coverage of net charge-offs (x) | 1.0789% | 4,922 |
| Efficiency ratio | 74.1810% | 3,042 |
| Assets per employee ($millions) | 3.7103% | 4,540 |
| Cash dividends to net income (ytd only)* | 18.6251% | 3,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1139% | 596 |
| Loan loss allowance to noncurrent loans | 74.3656% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 2.4969% | 1,956 |
| Noncurrent loans to loans | 4.1873% | 1,086 |
| Net loans and leases to total assets | 51.7693% | 4,960 |
| Net loans and leases to deposits | 64.5115% | 4,475 |
| Net loans and leases to core deposits | 66.3703% | 4,704 |
| Total domestic deposits to total assets | 80.2482% | 5,601 |
| Equity capital to assets | 10.4521% | 3,581 |
| Core capital (leverage) ratio | 10.0196% | 3,370 |
| Tier 1 risk-based capital ratio | 16.4983% | 2,893 |
| Total risk-based capital ratio | 17.7677% | 2,856 |
| Memoranda: | ||
| Average total assets | $271,749,400 | 2,330 |
| Average earning assets | $244,475,400 | 2,374 |
| Average equity | $28,357,000 | 2,364 |
| Average total loans | $155,659,200 | 2,494 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8737% | 2,113 |
| Cost of funding earning assets | 1.0181% | 1,460 |
| Net interest margin | 3.8556% | 3,098 |
| Noninterest income to average assets | 0.6343% | 3,077 |
| Noninterest expense to average assets | 2.9364% | 3,457 |
| Loan and lease loss provision to assets | 0.5040% | 1,214 |
| Net operating income to assets | 0.5786% | 4,481 |
| Return on assets (ROA) | 0.6733% | 4,300 |
| Pretax return on assets | 0.7789% | 4,569 |
| Return on Equity (ROE) | 6.4547% | 4,090 |
| Retained earnings to average equity (ytd only) | 4.9783% | 3,375 |
| Net charge-offs to loans | 1.7831% | 444 |
| Credit loss provision to net charge-offs | 48.5036% | 4,433 |
| Earnings coverage of net charge-offs (x) | 1.1287% | 4,732 |
| Efficiency ratio | 71.4595% | 3,420 |
| Assets per employee ($millions) | 3.4663% | 5,045 |
| Cash dividends to net income (ytd only)* | 22.8739% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3056% | 547 |
| Loan loss allowance to noncurrent loans | 76.8029% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 2.8422% | 1,850 |
| Noncurrent loans to loans | 4.3040% | 1,132 |
| Net loans and leases to total assets | 54.9735% | 4,597 |
| Net loans and leases to deposits | 68.7653% | 4,058 |
| Net loans and leases to core deposits | 70.9850% | 4,379 |
| Total domestic deposits to total assets | 79.9436% | 5,668 |
| Equity capital to assets | 10.7874% | 3,519 |
| Core capital (leverage) ratio | 9.9313% | 3,648 |
| Tier 1 risk-based capital ratio | 16.5185% | 2,987 |
| Total risk-based capital ratio | 17.7911% | 2,946 |
| Memoranda: | ||
| Average total assets | $270,119,500 | 2,363 |
| Average earning assets | $243,448,500 | 2,415 |
| Average equity | $28,175,000 | 2,400 |
| Average total loans | $157,402,000 | 2,489 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9216% | 2,019 |
| Cost of funding earning assets | 1.0478% | 1,483 |
| Net interest margin | 3.8738% | 3,019 |
| Noninterest income to average assets | 0.6424% | 2,992 |
| Noninterest expense to average assets | 2.8806% | 3,698 |
| Loan and lease loss provision to assets | 0.4513% | 1,424 |
| Net operating income to assets | 0.6893% | 3,925 |
| Return on assets (ROA) | 0.7264% | 3,999 |
| Pretax return on assets | 0.8665% | 4,208 |
| Return on Equity (ROE) | 7.0434% | 3,754 |
| Retained earnings to average equity (ytd only) | 5.8850% | 2,768 |
| Net charge-offs to loans | 2.1069% | 379 |
| Credit loss provision to net charge-offs | 36.4720% | 4,328 |
| Earnings coverage of net charge-offs (x) | 1.0292% | 4,507 |
| Efficiency ratio | 69.3414% | 3,877 |
| Assets per employee ($millions) | 3.5956% | 4,757 |
| Cash dividends to net income (ytd only)* | 16.4467% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2474% | 619 |
| Loan loss allowance to noncurrent loans | 106.7204% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 2.2396% | 2,502 |
| Noncurrent loans to loans | 3.0429% | 1,935 |
| Net loans and leases to total assets | 56.3681% | 4,411 |
| Net loans and leases to deposits | 70.5260% | 3,818 |
| Net loans and leases to core deposits | 73.2102% | 4,138 |
| Total domestic deposits to total assets | 79.9253% | 5,758 |
| Equity capital to assets | 10.7266% | 3,425 |
| Core capital (leverage) ratio | 9.7534% | 3,774 |
| Tier 1 risk-based capital ratio | 16.1178% | 3,114 |
| Total risk-based capital ratio | 17.3901% | 3,064 |
| Memoranda: | ||
| Average total assets | $271,191,670 | 2,364 |
| Average earning assets | $245,854,670 | 2,388 |
| Average equity | $27,969,330 | 2,399 |
| Average total loans | $159,288,670 | 2,472 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9049% | 2,219 |
| Cost of funding earning assets | 1.0716% | 1,541 |
| Net interest margin | 3.8333% | 3,225 |
| Noninterest income to average assets | 0.6327% | 3,042 |
| Noninterest expense to average assets | 2.9721% | 3,374 |
| Loan and lease loss provision to assets | 0.0774% | 4,428 |
| Net operating income to assets | 0.8503% | 3,160 |
| Return on assets (ROA) | 0.8884% | 3,201 |
| Pretax return on assets | 1.1178% | 3,252 |
| Return on Equity (ROE) | 8.7850% | 2,914 |
| Retained earnings to average equity (ytd only) | 6.6177% | 2,621 |
| Net charge-offs to loans | 0.6071% | 1,579 |
| Credit loss provision to net charge-offs | 21.6327% | 3,751 |
| Earnings coverage of net charge-offs (x) | 3.2041% | 2,921 |
| Efficiency ratio | 72.1532% | 3,413 |
| Assets per employee ($millions) | 3.5730% | 4,952 |
| Cash dividends to net income (ytd only)* | 24.6711% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7094% | 460 |
| Loan loss allowance to noncurrent loans | 112.0212% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 2.3219% | 2,559 |
| Noncurrent loans to loans | 3.3113% | 1,924 |
| Net loans and leases to total assets | 55.7438% | 4,431 |
| Net loans and leases to deposits | 68.9267% | 3,891 |
| Net loans and leases to core deposits | 71.6463% | 4,203 |
| Total domestic deposits to total assets | 80.8740% | 5,641 |
| Equity capital to assets | 10.1028% | 3,999 |
| Core capital (leverage) ratio | 9.6147% | 3,896 |
| Tier 1 risk-based capital ratio | 15.7511% | 3,319 |
| Total risk-based capital ratio | 17.0299% | 3,268 |
| Memoranda: | ||
| Average total assets | $273,749,500 | 2,356 |
| Average earning assets | $248,977,000 | 2,374 |
| Average equity | $27,683,500 | 2,413 |
| Average total loans | $161,425,000 | 2,462 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3287% | 1,627 |
| Cost of funding earning assets | 1.2391% | 1,792 |
| Net interest margin | 4.0896% | 2,471 |
| Noninterest income to average assets | 0.5837% | 3,265 |
| Noninterest expense to average assets | 2.8653% | 4,106 |
| Loan and lease loss provision to assets | 0.3793% | 2,725 |
| Net operating income to assets | 0.8547% | 2,796 |
| Return on assets (ROA) | 0.8547% | 2,951 |
| Pretax return on assets | 1.0323% | 3,114 |
| Return on Equity (ROE) | 8.9448% | 2,476 |
| Retained earnings to average equity (ytd only) | 8.9448% | 821 |
| Net charge-offs to loans | 0.8087% | 2,135 |
| Credit loss provision to net charge-offs | 75.5374% | 4,655 |
| Earnings coverage of net charge-offs (x) | 2.8110% | 3,811 |
| Efficiency ratio | 66.9945% | 4,579 |
| Assets per employee ($millions) | 3.5839% | 4,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7291% | 454 |
| Loan loss allowance to noncurrent loans | 138.9522% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 1.9286% | 3,066 |
| Noncurrent loans to loans | 2.6837% | 2,421 |
| Net loans and leases to total assets | 57.8164% | 4,404 |
| Net loans and leases to deposits | 71.6353% | 3,856 |
| Net loans and leases to core deposits | 75.9604% | 3,987 |
| Total domestic deposits to total assets | 80.7094% | 5,541 |
| Equity capital to assets | 10.1228% | 4,006 |
| Core capital (leverage) ratio | 9.5851% | 3,900 |
| Tier 1 risk-based capital ratio | 15.0556% | 3,604 |
| Total risk-based capital ratio | 16.3344% | 3,553 |
| Memoranda: | ||
| Average total assets | $268,626,400 | 2,349 |
| Average earning assets | $242,592,200 | 2,377 |
| Average equity | $25,668,600 | 2,509 |
| Average total loans | $166,819,200 | 2,403 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3857% | 1,557 |
| Cost of funding earning assets | 1.2725% | 1,850 |
| Net interest margin | 4.1132% | 2,421 |
| Noninterest income to average assets | 0.5295% | 3,654 |
| Noninterest expense to average assets | 2.9825% | 3,619 |
| Loan and lease loss provision to assets | 0.2266% | 3,748 |
| Net operating income to assets | 0.8373% | 2,995 |
| Return on assets (ROA) | 0.8373% | 3,151 |
| Pretax return on assets | 1.0330% | 3,274 |
| Return on Equity (ROE) | 8.8965% | 2,646 |
| Retained earnings to average equity (ytd only) | 8.8965% | 1,182 |
| Net charge-offs to loans | 0.5894% | 2,490 |
| Credit loss provision to net charge-offs | 61.4035% | 4,764 |
| Earnings coverage of net charge-offs (x) | 3.4129% | 3,445 |
| Efficiency ratio | 70.3064% | 3,907 |
| Assets per employee ($millions) | 3.7249% | 4,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6715% | 499 |
| Loan loss allowance to noncurrent loans | 136.6548% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 2.1738% | 2,934 |
| Noncurrent loans to loans | 2.6867% | 2,599 |
| Net loans and leases to total assets | 58.4801% | 4,418 |
| Net loans and leases to deposits | 72.4771% | 3,899 |
| Net loans and leases to core deposits | 76.7842% | 4,086 |
| Total domestic deposits to total assets | 80.6878% | 5,535 |
| Equity capital to assets | 9.7989% | 4,623 |
| Core capital (leverage) ratio | 9.1379% | 4,730 |
| Tier 1 risk-based capital ratio | 14.4370% | 4,022 |
| Total risk-based capital ratio | 15.7154% | 3,971 |
| Memoranda: | ||
| Average total assets | $267,689,000 | 2,370 |
| Average earning assets | $241,623,750 | 2,392 |
| Average equity | $25,192,750 | 2,553 |
| Average total loans | $167,629,500 | 2,411 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4255% | 1,487 |
| Cost of funding earning assets | 1.2946% | 1,970 |
| Net interest margin | 4.1309% | 2,304 |
| Noninterest income to average assets | 0.5380% | 3,574 |
| Noninterest expense to average assets | 3.0139% | 3,584 |
| Loan and lease loss provision to assets | 0.1351% | 4,615 |
| Net operating income to assets | 0.9169% | 2,562 |
| Return on assets (ROA) | 0.9169% | 2,662 |
| Pretax return on assets | 1.1115% | 2,807 |
| Return on Equity (ROE) | 9.8833% | 2,159 |
| Retained earnings to average equity (ytd only) | 9.8833% | 878 |
| Net charge-offs to loans | 0.5151% | 2,554 |
| Credit loss provision to net charge-offs | 41.4352% | 4,792 |
| Earnings coverage of net charge-offs (x) | 3.8241% | 3,042 |
| Efficiency ratio | 70.7403% | 3,975 |
| Assets per employee ($millions) | 3.5984% | 4,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7294% | 503 |
| Loan loss allowance to noncurrent loans | 152.1054% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 2.2858% | 2,871 |
| Noncurrent loans to loans | 2.4519% | 2,934 |
| Net loans and leases to total assets | 59.0817% | 4,451 |
| Net loans and leases to deposits | 72.5645% | 4,025 |
| Net loans and leases to core deposits | 77.0083% | 4,191 |
| Total domestic deposits to total assets | 81.4197% | 5,384 |
| Equity capital to assets | 9.5749% | 4,699 |
| Core capital (leverage) ratio | 9.4007% | 4,110 |
| Tier 1 risk-based capital ratio | 14.4892% | 3,792 |
| Total risk-based capital ratio | 15.7689% | 3,750 |
| Memoranda: | ||
| Average total assets | $265,037,330 | 2,406 |
| Average earning assets | $238,836,670 | 2,435 |
| Average equity | $24,587,000 | 2,595 |
| Average total loans | $167,725,670 | 2,437 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4180% | 1,503 |
| Cost of funding earning assets | 1.3418% | 1,935 |
| Net interest margin | 4.0762% | 2,359 |
| Noninterest income to average assets | 0.6321% | 2,947 |
| Noninterest expense to average assets | 3.0006% | 3,643 |
| Loan and lease loss provision to assets | 0.6534% | 1,322 |
| Net operating income to assets | 0.5788% | 4,145 |
| Return on assets (ROA) | 0.5788% | 4,216 |
| Pretax return on assets | 0.6473% | 4,500 |
| Return on Equity (ROE) | 6.3439% | 3,705 |
| Retained earnings to average equity (ytd only) | 6.3439% | 2,446 |
| Net charge-offs to loans | 0.6992% | 1,821 |
| Credit loss provision to net charge-offs | 145.4237% | 1,947 |
| Earnings coverage of net charge-offs (x) | 2.8949% | 2,929 |
| Efficiency ratio | 69.7592% | 4,326 |
| Assets per employee ($millions) | 3.4909% | 5,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9418% | 431 |
| Loan loss allowance to noncurrent loans | 148.6750% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 2.5333% | 2,697 |
| Noncurrent loans to loans | 2.6513% | 2,844 |
| Net loans and leases to total assets | 60.2910% | 4,212 |
| Net loans and leases to deposits | 72.9879% | 3,922 |
| Net loans and leases to core deposits | 77.4953% | 4,091 |
| Total domestic deposits to total assets | 82.6041% | 5,062 |
| Equity capital to assets | 9.0969% | 5,060 |
| Core capital (leverage) ratio | 8.7598% | 4,985 |
| Tier 1 risk-based capital ratio | 13.7454% | 4,247 |
| Total risk-based capital ratio | 15.0286% | 4,206 |
| Memoranda: | ||
| Average total assets | $262,615,000 | 2,449 |
| Average earning assets | $236,395,500 | 2,482 |
| Average equity | $23,960,000 | 2,644 |
| Average total loans | $168,774,500 | 2,448 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4127% | 2,612 |
| Cost of funding earning assets | 1.7792% | 1,258 |
| Net interest margin | 3.6335% | 4,652 |
| Noninterest income to average assets | 0.6531% | 3,128 |
| Noninterest expense to average assets | 2.6664% | 5,146 |
| Loan and lease loss provision to assets | 1.2908% | 1,196 |
| Net operating income to assets | 0.1234% | 5,532 |
| Return on assets (ROA) | 0.1747% | 5,527 |
| Pretax return on assets | 0.0628% | 5,774 |
| Return on Equity (ROE) | 2.0030% | 5,377 |
| Retained earnings to average equity (ytd only) | 2.0030% | 4,465 |
| Net charge-offs to loans | 1.3847% | 1,614 |
| Credit loss provision to net charge-offs | 143.8279% | 2,596 |
| Earnings coverage of net charge-offs (x) | 1.4511% | 4,665 |
| Efficiency ratio | 67.1849% | 4,725 |
| Assets per employee ($millions) | 3.6100% | 4,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7596% | 491 |
| Loan loss allowance to noncurrent loans | 125.3900% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 2.8216% | 2,481 |
| Noncurrent loans to loans | 2.9984% | 2,553 |
| Net loans and leases to total assets | 63.3260% | 4,005 |
| Net loans and leases to deposits | 77.2187% | 3,634 |
| Net loans and leases to core deposits | 82.2319% | 3,875 |
| Total domestic deposits to total assets | 82.0087% | 5,189 |
| Equity capital to assets | 9.1509% | 4,915 |
| Core capital (leverage) ratio | 8.6676% | 5,076 |
| Tier 1 risk-based capital ratio | 13.3154% | 4,361 |
| Total risk-based capital ratio | 14.5963% | 4,294 |
| Memoranda: | ||
| Average total assets | $277,118,600 | 2,306 |
| Average earning assets | $252,869,000 | 2,319 |
| Average equity | $24,163,200 | 2,644 |
| Average total loans | $179,606,200 | 2,361 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3716% | 3,022 |
| Cost of funding earning assets | 1.8523% | 1,204 |
| Net interest margin | 3.5194% | 5,218 |
| Noninterest income to average assets | 0.6320% | 3,239 |
| Noninterest expense to average assets | 2.5684% | 5,433 |
| Loan and lease loss provision to assets | 1.3095% | 1,061 |
| Net operating income to assets | 0.0962% | 5,785 |
| Return on assets (ROA) | 0.1635% | 5,762 |
| Pretax return on assets | 0.0450% | 6,011 |
| Return on Equity (ROE) | 1.8963% | 5,646 |
| Retained earnings to average equity (ytd only) | 1.8963% | 5,012 |
| Net charge-offs to loans | 1.5963% | 1,234 |
| Credit loss provision to net charge-offs | 127.0221% | 3,208 |
| Earnings coverage of net charge-offs (x) | 1.2486% | 4,819 |
| Efficiency ratio | 66.6134% | 4,727 |
| Assets per employee ($millions) | 3.8000% | 4,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3827% | 587 |
| Loan loss allowance to noncurrent loans | 108.0175% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 2.7448% | 2,638 |
| Noncurrent loans to loans | 3.1316% | 2,546 |
| Net loans and leases to total assets | 61.0363% | 4,713 |
| Net loans and leases to deposits | 73.7359% | 4,559 |
| Net loans and leases to core deposits | 79.1126% | 4,643 |
| Total domestic deposits to total assets | 82.7770% | 4,687 |
| Equity capital to assets | 8.9614% | 5,632 |
| Core capital (leverage) ratio | 8.4411% | 5,626 |
| Tier 1 risk-based capital ratio | 13.2971% | 4,354 |
| Total risk-based capital ratio | 14.5735% | 4,299 |
| Memoranda: | ||
| Average total assets | $281,418,250 | 2,308 |
| Average earning assets | $257,768,000 | 2,306 |
| Average equity | $24,257,750 | 2,677 |
| Average total loans | $181,751,000 | 2,373 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3606% | 3,152 |
| Cost of funding earning assets | 1.9071% | 1,216 |
| Net interest margin | 3.4535% | 5,432 |
| Noninterest income to average assets | 0.6239% | 3,167 |
| Noninterest expense to average assets | 2.5166% | 5,658 |
| Loan and lease loss provision to assets | 1.1084% | 1,293 |
| Net operating income to assets | 0.1549% | 5,706 |
| Return on assets (ROA) | 0.2214% | 5,624 |
| Pretax return on assets | 0.2214% | 5,722 |
| Return on Equity (ROE) | 2.6021% | 5,412 |
| Retained earnings to average equity (ytd only) | 2.6021% | 4,483 |
| Net charge-offs to loans | 1.2473% | 1,527 |
| Credit loss provision to net charge-offs | 136.6173% | 2,933 |
| Earnings coverage of net charge-offs (x) | 1.5571% | 4,322 |
| Efficiency ratio | 66.5793% | 4,867 |
| Assets per employee ($millions) | 3.8088% | 4,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1933% | 711 |
| Loan loss allowance to noncurrent loans | 89.0951% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 2.8160% | 2,566 |
| Noncurrent loans to loans | 3.5842% | 2,202 |
| Net loans and leases to total assets | 61.9531% | 4,692 |
| Net loans and leases to deposits | 76.1229% | 4,314 |
| Net loans and leases to core deposits | 83.6901% | 4,172 |
| Total domestic deposits to total assets | 81.3856% | 5,254 |
| Equity capital to assets | 8.6687% | 5,918 |
| Core capital (leverage) ratio | 8.1749% | 5,986 |
| Tier 1 risk-based capital ratio | 12.8598% | 4,556 |
| Total risk-based capital ratio | 14.1338% | 4,493 |
| Memoranda: | ||
| Average total assets | $282,757,000 | 2,313 |
| Average earning assets | $258,404,330 | 2,323 |
| Average equity | $24,057,330 | 2,689 |
| Average total loans | $183,920,000 | 2,377 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3107% | 3,488 |
| Cost of funding earning assets | 1.9403% | 1,288 |
| Net interest margin | 3.3704% | 5,703 |
| Noninterest income to average assets | 0.6525% | 2,919 |
| Noninterest expense to average assets | 2.5013% | 5,726 |
| Loan and lease loss provision to assets | 0.9675% | 1,300 |
| Net operating income to assets | 0.2540% | 5,479 |
| Return on assets (ROA) | 0.2924% | 5,456 |
| Pretax return on assets | 0.3022% | 5,594 |
| Return on Equity (ROE) | 3.4689% | 5,129 |
| Retained earnings to average equity (ytd only) | 3.4689% | 4,066 |
| Net charge-offs to loans | 0.9241% | 1,738 |
| Credit loss provision to net charge-offs | 159.6737% | 2,258 |
| Earnings coverage of net charge-offs (x) | 2.0303% | 3,524 |
| Efficiency ratio | 67.0326% | 4,911 |
| Assets per employee ($millions) | 3.8749% | 4,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0589% | 777 |
| Loan loss allowance to noncurrent loans | 75.2758% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 2.9713% | 2,419 |
| Noncurrent loans to loans | 4.0635% | 1,918 |
| Net loans and leases to total assets | 61.8498% | 4,791 |
| Net loans and leases to deposits | 75.5537% | 4,487 |
| Net loans and leases to core deposits | 83.3363% | 4,291 |
| Total domestic deposits to total assets | 81.8620% | 5,129 |
| Equity capital to assets | 8.3895% | 6,171 |
| Core capital (leverage) ratio | 8.1417% | 6,005 |
| Tier 1 risk-based capital ratio | 12.5664% | 4,676 |
| Total risk-based capital ratio | 13.8383% | 4,618 |
| Memoranda: | ||
| Average total assets | $283,209,500 | 2,364 |
| Average earning assets | $258,724,500 | 2,360 |
| Average equity | $23,869,500 | 2,729 |
| Average total loans | $185,692,000 | 2,419 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6588% | 3,299 |
| Cost of funding earning assets | 2.2964% | 1,674 |
| Net interest margin | 3.3624% | 5,516 |
| Noninterest income to average assets | 0.7056% | 2,929 |
| Noninterest expense to average assets | 2.5567% | 5,932 |
| Loan and lease loss provision to assets | 1.4493% | 1,589 |
| Net operating income to assets | -0.0201% | 5,528 |
| Return on assets (ROA) | 0.0022% | 5,534 |
| Pretax return on assets | -0.1829% | 5,683 |
| Return on Equity (ROE) | 0.0255% | 5,533 |
| Retained earnings to average equity (ytd only) | -1.2482% | 5,327 |
| Net charge-offs to loans | 0.6343% | 3,299 |
| Credit loss provision to net charge-offs | 330.3881% | 987 |
| Earnings coverage of net charge-offs (x) | 2.8076% | 3,688 |
| Efficiency ratio | 67.4890% | 5,100 |
| Assets per employee ($millions) | 3.8844% | 4,064 |
| Cash dividends to net income (ytd only)* | 5,000.0000% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8338% | 899 |
| Loan loss allowance to noncurrent loans | 73.2912% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 2.9666% | 2,362 |
| Noncurrent loans to loans | 3.8665% | 1,925 |
| Net loans and leases to total assets | 65.4679% | 4,284 |
| Net loans and leases to deposits | 80.3056% | 3,932 |
| Net loans and leases to core deposits | 104.5420% | 3,513 |
| Total domestic deposits to total assets | 81.5235% | 5,140 |
| Equity capital to assets | 8.4679% | 5,934 |
| Core capital (leverage) ratio | 8.2390% | 5,751 |
| Tier 1 risk-based capital ratio | 12.0594% | 4,894 |
| Total risk-based capital ratio | 13.3285% | 4,840 |
| Memoranda: | ||
| Average total assets | $276,059,000 | 2,375 |
| Average earning assets | $253,094,400 | 2,378 |
| Average equity | $23,553,800 | 2,783 |
| Average total loans | $190,924,600 | 2,397 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6788% | 3,440 |
| Cost of funding earning assets | 2.3552% | 1,785 |
| Net interest margin | 3.3236% | 5,547 |
| Noninterest income to average assets | 0.6886% | 3,099 |
| Noninterest expense to average assets | 2.6423% | 5,552 |
| Loan and lease loss provision to assets | 1.6393% | 1,145 |
| Net operating income to assets | -0.2417% | 6,128 |
| Return on assets (ROA) | -0.2132% | 6,097 |
| Pretax return on assets | -0.4967% | 6,293 |
| Return on Equity (ROE) | -2.4941% | 6,162 |
| Retained earnings to average equity (ytd only) | -4.1946% | 6,136 |
| Net charge-offs to loans | 0.6940% | 2,613 |
| Credit loss provision to net charge-offs | 339.3180% | 1,207 |
| Earnings coverage of net charge-offs (x) | 2.2728% | 4,118 |
| Efficiency ratio | 70.6439% | 4,473 |
| Assets per employee ($millions) | 3.7046% | 4,416 |
| Cash dividends to net income (ytd only)* | -68.1821% | 7,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5659% | 1,002 |
| Loan loss allowance to noncurrent loans | 83.2097% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 2.5289% | 2,741 |
| Noncurrent loans to loans | 3.0837% | 2,449 |
| Net loans and leases to total assets | 66.5722% | 4,290 |
| Net loans and leases to deposits | 81.5965% | 4,098 |
| Net loans and leases to core deposits | 106.8890% | 3,602 |
| Total domestic deposits to total assets | 81.5871% | 4,837 |
| Equity capital to assets | 8.1741% | 6,669 |
| Core capital (leverage) ratio | 8.0098% | 6,339 |
| Tier 1 risk-based capital ratio | 11.7287% | 5,217 |
| Total risk-based capital ratio | 12.9950% | 5,150 |
| Memoranda: | ||
| Average total assets | $275,154,000 | 2,392 |
| Average earning assets | $252,652,000 | 2,399 |
| Average equity | $23,521,500 | 2,806 |
| Average total loans | $191,545,750 | 2,412 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7241% | 3,413 |
| Cost of funding earning assets | 2.3879% | 2,012 |
| Net interest margin | 3.3361% | 5,415 |
| Noninterest income to average assets | 0.7399% | 2,759 |
| Noninterest expense to average assets | 2.7250% | 5,276 |
| Loan and lease loss provision to assets | 1.0973% | 1,561 |
| Net operating income to assets | -0.0113% | 5,868 |
| Return on assets (ROA) | 0.0212% | 5,860 |
| Pretax return on assets | 0.0286% | 5,816 |
| Return on Equity (ROE) | 0.2448% | 5,849 |
| Retained earnings to average equity (ytd only) | -2.2878% | 5,806 |
| Net charge-offs to loans | 0.7759% | 2,128 |
| Credit loss provision to net charge-offs | 201.8868% | 2,257 |
| Earnings coverage of net charge-offs (x) | 1.9906% | 4,094 |
| Efficiency ratio | 71.5798% | 4,489 |
| Assets per employee ($millions) | 3.6504% | 4,453 |
| Cash dividends to net income (ytd only)* | 1,034.4828% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7051% | 2,330 |
| Loan loss allowance to noncurrent loans | 72.7073% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 1.8163% | 3,454 |
| Noncurrent loans to loans | 2.3451% | 3,084 |
| Net loans and leases to total assets | 68.6970% | 4,024 |
| Net loans and leases to deposits | 85.6790% | 3,606 |
| Net loans and leases to core deposits | 114.9764% | 2,809 |
| Total domestic deposits to total assets | 80.1795% | 5,404 |
| Equity capital to assets | 8.5077% | 6,035 |
| Core capital (leverage) ratio | 8.3654% | 5,686 |
| Tier 1 risk-based capital ratio | 11.9726% | 4,947 |
| Total risk-based capital ratio | 13.2284% | 4,857 |
| Memoranda: | ||
| Average total assets | $273,023,000 | 2,423 |
| Average earning assets | $251,011,000 | 2,434 |
| Average equity | $23,690,670 | 2,790 |
| Average total loans | $191,271,670 | 2,445 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8070% | 3,262 |
| Cost of funding earning assets | 2.4241% | 2,194 |
| Net interest margin | 3.3828% | 5,204 |
| Noninterest income to average assets | 0.6499% | 3,199 |
| Noninterest expense to average assets | 2.5936% | 5,478 |
| Loan and lease loss provision to assets | 1.1314% | 1,151 |
| Net operating income to assets | 0.0236% | 6,193 |
| Return on assets (ROA) | 0.0236% | 6,352 |
| Pretax return on assets | 0.0310% | 6,317 |
| Return on Equity (ROE) | 0.2696% | 6,347 |
| Retained earnings to average equity (ytd only) | -4.7863% | 6,529 |
| Net charge-offs to loans | 1.1518% | 1,191 |
| Credit loss provision to net charge-offs | 140.0366% | 2,910 |
| Earnings coverage of net charge-offs (x) | 1.4388% | 4,016 |
| Efficiency ratio | 69.0523% | 4,769 |
| Assets per employee ($millions) | 3.6649% | 4,414 |
| Cash dividends to net income (ytd only)* | 1,875.0000% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4517% | 3,220 |
| Loan loss allowance to noncurrent loans | 59.0405% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 1.8704% | 3,109 |
| Noncurrent loans to loans | 2.4587% | 2,686 |
| Net loans and leases to total assets | 68.3891% | 4,047 |
| Net loans and leases to deposits | 84.2804% | 3,933 |
| Net loans and leases to core deposits | 113.2335% | 3,077 |
| Total domestic deposits to total assets | 81.1447% | 4,906 |
| Equity capital to assets | 8.6140% | 5,895 |
| Core capital (leverage) ratio | 8.6067% | 5,330 |
| Tier 1 risk-based capital ratio | 12.1230% | 4,847 |
| Total risk-based capital ratio | 13.3756% | 4,748 |
| Memoranda: | ||
| Average total assets | $270,819,500 | 2,454 |
| Average earning assets | $248,666,500 | 2,460 |
| Average equity | $23,734,500 | 2,798 |
| Average total loans | $189,961,500 | 2,475 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1935% | 4,550 |
| Cost of funding earning assets | 2.8099% | 2,662 |
| Net interest margin | 3.3836% | 5,726 |
| Noninterest income to average assets | 0.6659% | 3,367 |
| Noninterest expense to average assets | 2.5709% | 5,751 |
| Loan and lease loss provision to assets | 0.5748% | 2,529 |
| Net operating income to assets | 0.5346% | 4,600 |
| Return on assets (ROA) | 0.5346% | 4,449 |
| Pretax return on assets | 0.6548% | 4,531 |
| Return on Equity (ROE) | 5.8503% | 4,006 |
| Retained earnings to average equity (ytd only) | 1.1908% | 4,518 |
| Net charge-offs to loans | 0.3873% | 2,887 |
| Credit loss provision to net charge-offs | 205.9322% | 2,358 |
| Earnings coverage of net charge-offs (x) | 4.4054% | 3,995 |
| Efficiency ratio | 67.6452% | 4,784 |
| Assets per employee ($millions) | 3.7052% | 4,167 |
| Cash dividends to net income (ytd only)* | 79.6460% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3480% | 3,487 |
| Loan loss allowance to noncurrent loans | 61.8482% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 1.5736% | 3,092 |
| Noncurrent loans to loans | 2.1795% | 2,531 |
| Net loans and leases to total assets | 69.9567% | 4,024 |
| Net loans and leases to deposits | 86.5652% | 4,023 |
| Net loans and leases to core deposits | 117.2894% | 2,974 |
| Total domestic deposits to total assets | 80.8140% | 4,731 |
| Equity capital to assets | 8.9185% | 5,472 |
| Core capital (leverage) ratio | 8.9173% | 4,863 |
| Tier 1 risk-based capital ratio | 12.5482% | 4,408 |
| Total risk-based capital ratio | 13.7997% | 4,308 |
| Memoranda: | ||
| Average total assets | $253,646,200 | 2,525 |
| Average earning assets | $234,988,400 | 2,505 |
| Average equity | $23,178,400 | 2,826 |
| Average total loans | $182,782,400 | 2,475 |