Home > The First National Bank of River Falls > Performance and Condition Ratios
The First National Bank of River Falls, 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 | 3.7267% | 4,251 |
| Cost of funding earning assets | 0.8472% | 3,618 |
| Net interest margin | 2.8795% | 3,524 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 2.5537% | 2,142 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6676% | 3,273 |
| Return on assets (ROA) | 0.6751% | 3,233 |
| Pretax return on assets | 0.6773% | 3,484 |
| Return on Equity (ROE) | 13.1000% | 1,702 |
| Retained earnings to average equity (ytd only) | -0.8751% | 4,172 |
| Net charge-offs to loans | -0.0062% | 3,885 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 79.2209% | 967 |
| Assets per employee ($millions) | 5.6332% | 3,126 |
| Cash dividends to net income (ytd only)* | 106.6790% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9198% | 438 |
| Loan loss allowance to noncurrent loans | 5,035.0877% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 3,626 |
| Noncurrent loans to loans | 0.0381% | 3,452 |
| Net loans and leases to total assets | 46.4800% | 3,797 |
| Net loans and leases to deposits | 51.6207% | 3,893 |
| Net loans and leases to core deposits | 52.8479% | 4,006 |
| Total domestic deposits to total assets | 90.0400% | 748 |
| Equity capital to assets | 5.8321% | 4,264 |
| Core capital (leverage) ratio | 9.9101% | 2,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3750% | 851 |
| Memoranda: | ||
| Average total assets | $319,340,800 | 2,324 |
| Average earning assets | $296,401,200 | 2,326 |
| Average equity | $16,456,200 | 3,145 |
| Average total loans | $145,115,600 | 2,713 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6880% | 4,222 |
| Cost of funding earning assets | 0.7906% | 3,545 |
| Net interest margin | 2.8973% | 3,551 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 2.4463% | 2,387 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7959% | 3,030 |
| Return on assets (ROA) | 0.8059% | 3,000 |
| Pretax return on assets | 0.8088% | 3,315 |
| Return on Equity (ROE) | 16.1600% | 1,224 |
| Retained earnings to average equity (ytd only) | 2.3876% | 3,653 |
| Net charge-offs to loans | -0.0120% | 3,981 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.3848% | 1,234 |
| Assets per employee ($millions) | 5.5166% | 3,171 |
| Cash dividends to net income (ytd only)* | 85.2273% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9937% | 391 |
| Loan loss allowance to noncurrent loans | 3,193.3333% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0286% | 3,519 |
| Noncurrent loans to loans | 0.0624% | 3,306 |
| Net loans and leases to total assets | 44.9300% | 3,875 |
| Net loans and leases to deposits | 48.4955% | 3,989 |
| Net loans and leases to core deposits | 49.2928% | 4,057 |
| Total domestic deposits to total assets | 92.6500% | 359 |
| Equity capital to assets | 4.2150% | 4,380 |
| Core capital (leverage) ratio | 9.9414% | 2,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5461% | 755 |
| Memoranda: | ||
| Average total assets | $320,311,250 | 2,319 |
| Average earning assets | $297,645,750 | 2,322 |
| Average equity | $15,970,750 | 3,171 |
| Average total loans | $144,020,750 | 2,728 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7010% | 4,141 |
| Cost of funding earning assets | 0.7079% | 3,464 |
| Net interest margin | 2.9931% | 3,448 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 2.4514% | 2,348 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8937% | 2,775 |
| Return on assets (ROA) | 0.9086% | 2,712 |
| Pretax return on assets | 0.9111% | 3,139 |
| Return on Equity (ROE) | 17.3500% | 1,041 |
| Retained earnings to average equity (ytd only) | 4.3137% | 3,128 |
| Net charge-offs to loans | -0.0111% | 3,946 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.2295% | 1,435 |
| Assets per employee ($millions) | 5.5796% | 3,077 |
| Cash dividends to net income (ytd only)* | 75.1366% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9898% | 423 |
| Loan loss allowance to noncurrent loans | 4,553.9683% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 3,627 |
| Noncurrent loans to loans | 0.0437% | 3,411 |
| Net loans and leases to total assets | 45.2300% | 3,834 |
| Net loans and leases to deposits | 49.0917% | 3,950 |
| Net loans and leases to core deposits | 49.8176% | 4,026 |
| Total domestic deposits to total assets | 92.1300% | 388 |
| Equity capital to assets | 5.2138% | 4,341 |
| Core capital (leverage) ratio | 9.9193% | 2,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8307% | 737 |
| Memoranda: | ||
| Average total assets | $322,265,333 | 2,313 |
| Average earning assets | $299,754,000 | 2,316 |
| Average equity | $16,876,333 | 3,115 |
| Average total loans | $143,977,000 | 2,732 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8219% | 3,815 |
| Cost of funding earning assets | 0.6216% | 3,317 |
| Net interest margin | 3.2002% | 3,118 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 2.5088% | 2,226 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0062% | 2,509 |
| Return on assets (ROA) | 1.0062% | 2,475 |
| Pretax return on assets | 1.0087% | 2,964 |
| Return on Equity (ROE) | 19.1700% | 856 |
| Retained earnings to average equity (ytd only) | 6.3603% | 2,671 |
| Net charge-offs to loans | -0.0111% | 3,879 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.3243% | 1,598 |
| Assets per employee ($millions) | 5.8376% | 2,900 |
| Cash dividends to net income (ytd only)* | 66.8287% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9999% | 441 |
| Loan loss allowance to noncurrent loans | 3,871.6216% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 3,573 |
| Noncurrent loans to loans | 0.0517% | 3,370 |
| Net loans and leases to total assets | 42.9500% | 3,911 |
| Net loans and leases to deposits | 46.5554% | 4,016 |
| Net loans and leases to core deposits | 46.9239% | 4,080 |
| Total domestic deposits to total assets | 92.2500% | 458 |
| Equity capital to assets | 5.2829% | 4,377 |
| Core capital (leverage) ratio | 9.5446% | 3,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8212% | 756 |
| Memoranda: | ||
| Average total assets | $327,168,500 | 2,332 |
| Average earning assets | $304,354,000 | 2,322 |
| Average equity | $17,169,000 | 3,120 |
| Average total loans | $143,873,000 | 2,765 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1015% | 3,987 |
| Cost of funding earning assets | 0.2591% | 3,249 |
| Net interest margin | 2.8424% | 3,805 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 2.3723% | 2,507 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8418% | 3,184 |
| Return on assets (ROA) | 0.8418% | 3,114 |
| Pretax return on assets | 0.8435% | 3,505 |
| Return on Equity (ROE) | 12.8100% | 1,870 |
| Retained earnings to average equity (ytd only) | 1.5297% | 4,093 |
| Net charge-offs to loans | -0.0145% | 3,946 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.7691% | 1,237 |
| Assets per employee ($millions) | 5.7445% | 2,995 |
| Cash dividends to net income (ytd only)* | 88.0592% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9801% | 445 |
| Loan loss allowance to noncurrent loans | 5,960.4167% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0147% | 3,717 |
| Noncurrent loans to loans | 0.0332% | 3,543 |
| Net loans and leases to total assets | 43.2500% | 3,920 |
| Net loans and leases to deposits | 46.7177% | 4,019 |
| Net loans and leases to core deposits | 46.8826% | 4,088 |
| Total domestic deposits to total assets | 92.5900% | 493 |
| Equity capital to assets | 5.2127% | 4,312 |
| Core capital (leverage) ratio | 9.5201% | 3,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7845% | 746 |
| Memoranda: | ||
| Average total assets | $337,272,000 | 2,271 |
| Average earning assets | $313,042,000 | 2,270 |
| Average equity | $22,161,800 | 2,758 |
| Average total loans | $144,572,800 | 2,685 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9813% | 3,918 |
| Cost of funding earning assets | 0.2102% | 3,144 |
| Net interest margin | 2.7711% | 3,798 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 2.2225% | 2,866 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9372% | 2,726 |
| Return on assets (ROA) | 0.9372% | 2,689 |
| Pretax return on assets | 0.9391% | 3,208 |
| Return on Equity (ROE) | 13.5900% | 1,539 |
| Retained earnings to average equity (ytd only) | 4.1987% | 3,377 |
| Net charge-offs to loans | -0.0138% | 3,843 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.2954% | 1,725 |
| Assets per employee ($millions) | 5.7545% | 2,983 |
| Cash dividends to net income (ytd only)* | 69.0955% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9727% | 527 |
| Loan loss allowance to noncurrent loans | 2,883.8384% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 3,631 |
| Noncurrent loans to loans | 0.0684% | 3,387 |
| Net loans and leases to total assets | 42.5100% | 3,968 |
| Net loans and leases to deposits | 45.6698% | 4,040 |
| Net loans and leases to core deposits | 45.9841% | 4,110 |
| Total domestic deposits to total assets | 93.0700% | 562 |
| Equity capital to assets | 4.5338% | 4,390 |
| Core capital (leverage) ratio | 9.6926% | 2,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9956% | 731 |
| Memoranda: | ||
| Average total assets | $339,731,500 | 2,273 |
| Average earning assets | $315,250,250 | 2,276 |
| Average equity | $23,435,250 | 2,712 |
| Average total loans | $144,593,500 | 2,690 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9240% | 3,729 |
| Cost of funding earning assets | 0.1692% | 3,327 |
| Net interest margin | 2.7548% | 3,563 |
| Noninterest income to average assets | 0.6005% | 1,734 |
| Noninterest expense to average assets | 2.1924% | 2,884 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9598% | 2,314 |
| Return on assets (ROA) | 0.9598% | 2,291 |
| Pretax return on assets | 0.9622% | 2,864 |
| Return on Equity (ROE) | 12.5177% | 1,519 |
| Retained earnings to average equity (ytd only) | 4.1217% | 3,042 |
| Net charge-offs to loans | -0.0152% | 3,766 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4991% | 2,028 |
| Assets per employee ($millions) | 5.8152% | 2,905 |
| Cash dividends to net income (ytd only)* | 67.0732% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9742% | 584 |
| Loan loss allowance to noncurrent loans | 1,827.5641% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 3,510 |
| Noncurrent loans to loans | 0.1080% | 3,211 |
| Net loans and leases to total assets | 43.4709% | 3,873 |
| Net loans and leases to deposits | 47.2540% | 3,969 |
| Net loans and leases to core deposits | 47.6310% | 4,043 |
| Total domestic deposits to total assets | 91.9942% | 835 |
| Equity capital to assets | 5.5182% | 4,357 |
| Core capital (leverage) ratio | 9.6443% | 2,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9760% | 723 |
| Memoranda: | ||
| Average total assets | $341,721,333 | 2,287 |
| Average earning assets | $316,825,333 | 2,292 |
| Average equity | $26,203,000 | 2,625 |
| Average total loans | $144,549,000 | 2,701 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9154% | 3,492 |
| Cost of funding earning assets | 0.1442% | 3,577 |
| Net interest margin | 2.7712% | 3,222 |
| Noninterest income to average assets | 0.6119% | 1,642 |
| Noninterest expense to average assets | 2.1592% | 2,949 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0224% | 1,792 |
| Return on assets (ROA) | 1.0224% | 1,781 |
| Pretax return on assets | 1.0247% | 2,367 |
| Return on Equity (ROE) | 11.7944% | 1,384 |
| Retained earnings to average equity (ytd only) | 4.5383% | 2,763 |
| Net charge-offs to loans | -0.0166% | 3,816 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8161% | 2,529 |
| Assets per employee ($millions) | 6.0719% | 2,747 |
| Cash dividends to net income (ytd only)* | 61.5213% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0023% | 608 |
| Loan loss allowance to noncurrent loans | 1,824.3590% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 3,587 |
| Noncurrent loans to loans | 0.1098% | 3,286 |
| Net loans and leases to total assets | 40.2472% | 3,994 |
| Net loans and leases to deposits | 45.4471% | 4,006 |
| Net loans and leases to core deposits | 45.8566% | 4,079 |
| Total domestic deposits to total assets | 88.5584% | 2,273 |
| Equity capital to assets | 7.6727% | 3,813 |
| Core capital (leverage) ratio | 9.2878% | 3,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6352% | 805 |
| Memoranda: | ||
| Average total assets | $349,757,000 | 2,258 |
| Average earning assets | $324,626,000 | 2,266 |
| Average equity | $30,319,500 | 2,464 |
| Average total loans | $144,616,500 | 2,692 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0648% | 3,754 |
| Cost of funding earning assets | 0.1507% | 3,971 |
| Net interest margin | 2.9141% | 3,412 |
| Noninterest income to average assets | 0.8113% | 1,418 |
| Noninterest expense to average assets | 2.3922% | 2,516 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1105% | 2,244 |
| Return on assets (ROA) | 1.1105% | 2,307 |
| Pretax return on assets | 1.1125% | 2,925 |
| Return on Equity (ROE) | 10.6794% | 2,282 |
| Retained earnings to average equity (ytd only) | 2.2924% | 3,888 |
| Net charge-offs to loans | -0.0145% | 3,861 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2565% | 1,943 |
| Assets per employee ($millions) | 6.2003% | 2,573 |
| Cash dividends to net income (ytd only)* | 78.5340% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9308% | 688 |
| Loan loss allowance to noncurrent loans | 2,558.5586% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.0314% | 3,807 |
| Noncurrent loans to loans | 0.0755% | 3,555 |
| Net loans and leases to total assets | 40.8165% | 4,046 |
| Net loans and leases to deposits | 46.8617% | 4,052 |
| Net loans and leases to core deposits | 47.2584% | 4,127 |
| Total domestic deposits to total assets | 87.1000% | 2,476 |
| Equity capital to assets | 9.6441% | 3,000 |
| Core capital (leverage) ratio | 9.2568% | 3,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4904% | 825 |
| Memoranda: | ||
| Average total assets | $343,995,600 | 2,227 |
| Average earning assets | $317,934,000 | 2,245 |
| Average equity | $35,769,800 | 2,252 |
| Average total loans | $151,409,800 | 2,620 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1788% | 3,643 |
| Cost of funding earning assets | 0.1548% | 4,067 |
| Net interest margin | 3.0239% | 3,251 |
| Noninterest income to average assets | 0.8594% | 1,350 |
| Noninterest expense to average assets | 2.2339% | 2,953 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4135% | 1,500 |
| Return on assets (ROA) | 1.4135% | 1,561 |
| Pretax return on assets | 1.4155% | 2,273 |
| Return on Equity (ROE) | 13.3436% | 1,599 |
| Retained earnings to average equity (ytd only) | 7.2649% | 2,325 |
| Net charge-offs to loans | -0.0140% | 3,813 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2127% | 2,803 |
| Assets per employee ($millions) | 6.3165% | 2,405 |
| Cash dividends to net income (ytd only)* | 45.5549% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9474% | 704 |
| Loan loss allowance to noncurrent loans | 4,229.8507% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.0186% | 4,076 |
| Noncurrent loans to loans | 0.0460% | 3,885 |
| Net loans and leases to total assets | 39.6336% | 4,226 |
| Net loans and leases to deposits | 45.8061% | 4,239 |
| Net loans and leases to core deposits | 46.0770% | 4,321 |
| Total domestic deposits to total assets | 86.5248% | 2,544 |
| Equity capital to assets | 10.2189% | 2,691 |
| Core capital (leverage) ratio | 9.7732% | 2,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8667% | 706 |
| Memoranda: | ||
| Average total assets | $341,640,000 | 2,260 |
| Average earning assets | $315,209,250 | 2,275 |
| Average equity | $36,191,250 | 2,267 |
| Average total loans | $152,489,000 | 2,650 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3511% | 3,303 |
| Cost of funding earning assets | 0.1664% | 4,078 |
| Net interest margin | 3.1847% | 2,799 |
| Noninterest income to average assets | 0.9675% | 1,124 |
| Noninterest expense to average assets | 2.3058% | 2,758 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5916% | 1,067 |
| Return on assets (ROA) | 1.5916% | 1,121 |
| Pretax return on assets | 1.5940% | 1,745 |
| Return on Equity (ROE) | 14.8370% | 1,207 |
| Retained earnings to average equity (ytd only) | 8.7244% | 1,809 |
| Net charge-offs to loans | -0.0129% | 3,789 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1256% | 3,136 |
| Assets per employee ($millions) | 5.8499% | 2,764 |
| Cash dividends to net income (ytd only)* | 41.1985% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8547% | 804 |
| Loan loss allowance to noncurrent loans | 2,376.4706% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0351% | 4,017 |
| Noncurrent loans to loans | 0.0780% | 3,796 |
| Net loans and leases to total assets | 44.1063% | 4,036 |
| Net loans and leases to deposits | 51.5645% | 4,018 |
| Net loans and leases to core deposits | 51.8917% | 4,143 |
| Total domestic deposits to total assets | 85.5362% | 2,898 |
| Equity capital to assets | 10.6400% | 2,277 |
| Core capital (leverage) ratio | 9.7955% | 2,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3991% | 771 |
| Memoranda: | ||
| Average total assets | $335,507,333 | 2,278 |
| Average earning assets | $308,918,000 | 2,295 |
| Average equity | $35,991,000 | 2,270 |
| Average total loans | $154,808,667 | 2,639 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6836% | 2,402 |
| Cost of funding earning assets | 0.1850% | 4,045 |
| Net interest margin | 3.4985% | 1,826 |
| Noninterest income to average assets | 1.0131% | 1,109 |
| Noninterest expense to average assets | 2.4400% | 2,357 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7901% | 802 |
| Return on assets (ROA) | 1.7901% | 856 |
| Pretax return on assets | 1.7925% | 1,301 |
| Return on Equity (ROE) | 16.6184% | 908 |
| Retained earnings to average equity (ytd only) | 10.4964% | 1,515 |
| Net charge-offs to loans | -0.0128% | 3,780 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6487% | 3,353 |
| Assets per employee ($millions) | 6.0214% | 2,583 |
| Cash dividends to net income (ytd only)* | 36.8386% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8490% | 794 |
| Loan loss allowance to noncurrent loans | 9,734.4828% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 4,326 |
| Noncurrent loans to loans | 0.0190% | 4,193 |
| Net loans and leases to total assets | 42.9085% | 4,182 |
| Net loans and leases to deposits | 49.6327% | 4,181 |
| Net loans and leases to core deposits | 49.9151% | 4,299 |
| Total domestic deposits to total assets | 86.4521% | 2,547 |
| Equity capital to assets | 10.2493% | 2,480 |
| Core capital (leverage) ratio | 9.8083% | 2,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5850% | 723 |
| Memoranda: | ||
| Average total assets | $333,613,000 | 2,267 |
| Average earning assets | $306,985,000 | 2,290 |
| Average equity | $35,936,000 | 2,265 |
| Average total loans | $155,973,500 | 2,636 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5838% | 3,843 |
| Cost of funding earning assets | 0.3974% | 3,600 |
| Net interest margin | 3.1864% | 3,396 |
| Noninterest income to average assets | 1.0226% | 1,008 |
| Noninterest expense to average assets | 2.7013% | 2,236 |
| Loan and lease loss provision to assets | 0.1308% | 2,725 |
| Net operating income to assets | 1.1471% | 1,737 |
| Return on assets (ROA) | 1.1471% | 1,864 |
| Pretax return on assets | 1.1501% | 2,518 |
| Return on Equity (ROE) | 10.2186% | 1,924 |
| Retained earnings to average equity (ytd only) | 2.3559% | 3,683 |
| Net charge-offs to loans | -0.0176% | 4,392 |
| Credit loss provision to net charge-offs | -1,428.5714% | 4,127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8352% | 2,255 |
| Assets per employee ($millions) | 5.3895% | 2,967 |
| Cash dividends to net income (ytd only)* | 76.9450% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7693% | 909 |
| Loan loss allowance to noncurrent loans | 9,090.3226% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 4,388 |
| Noncurrent loans to loans | 0.0195% | 4,264 |
| Net loans and leases to total assets | 49.2011% | 3,890 |
| Net loans and leases to deposits | 58.1555% | 3,883 |
| Net loans and leases to core deposits | 58.9074% | 4,003 |
| Total domestic deposits to total assets | 84.6026% | 2,914 |
| Equity capital to assets | 11.3456% | 1,992 |
| Core capital (leverage) ratio | 9.9316% | 2,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8838% | 672 |
| Memoranda: | ||
| Average total assets | $305,893,600 | 2,269 |
| Average earning assets | $284,109,400 | 2,265 |
| Average equity | $34,339,200 | 2,265 |
| Average total loans | $159,070,600 | 2,568 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6616% | 3,892 |
| Cost of funding earning assets | 0.3598% | 4,004 |
| Net interest margin | 3.3018% | 3,184 |
| Noninterest income to average assets | 0.9645% | 1,092 |
| Noninterest expense to average assets | 2.4965% | 2,866 |
| Loan and lease loss provision to assets | 0.1099% | 2,944 |
| Net operating income to assets | 1.4329% | 1,027 |
| Return on assets (ROA) | 1.4329% | 1,118 |
| Pretax return on assets | 1.4360% | 1,615 |
| Return on Equity (ROE) | 12.8002% | 1,171 |
| Retained earnings to average equity (ytd only) | 6.9015% | 1,741 |
| Net charge-offs to loans | -0.0126% | 4,285 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7554% | 3,114 |
| Assets per employee ($millions) | 5.3617% | 2,824 |
| Cash dividends to net income (ytd only)* | 46.0829% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6346% | 1,011 |
| Loan loss allowance to noncurrent loans | 8,045.4545% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 4,456 |
| Noncurrent loans to loans | 0.0203% | 4,330 |
| Net loans and leases to total assets | 48.8502% | 4,167 |
| Net loans and leases to deposits | 58.5529% | 4,139 |
| Net loans and leases to core deposits | 59.2503% | 4,245 |
| Total domestic deposits to total assets | 83.4293% | 3,016 |
| Equity capital to assets | 11.2748% | 2,169 |
| Core capital (leverage) ratio | 10.2687% | 2,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3532% | 633 |
| Memoranda: | ||
| Average total assets | $302,871,250 | 2,264 |
| Average earning assets | $282,347,750 | 2,257 |
| Average equity | $33,904,750 | 2,284 |
| Average total loans | $159,021,000 | 2,579 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8502% | 3,742 |
| Cost of funding earning assets | 0.4057% | 4,016 |
| Net interest margin | 3.4444% | 2,962 |
| Noninterest income to average assets | 0.8982% | 1,177 |
| Noninterest expense to average assets | 2.5922% | 2,688 |
| Loan and lease loss provision to assets | 0.1018% | 2,991 |
| Net operating income to assets | 1.4030% | 1,107 |
| Return on assets (ROA) | 1.4030% | 1,200 |
| Pretax return on assets | 1.4063% | 1,713 |
| Return on Equity (ROE) | 12.5660% | 1,204 |
| Retained earnings to average equity (ytd only) | 5.8819% | 2,131 |
| Net charge-offs to loans | -0.0139% | 4,298 |
| Credit loss provision to net charge-offs | -1,363.6364% | 3,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2197% | 2,924 |
| Assets per employee ($millions) | 5.0206% | 3,152 |
| Cash dividends to net income (ytd only)* | 53.1915% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5382% | 1,158 |
| Loan loss allowance to noncurrent loans | 2,743.0108% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0289% | 4,406 |
| Noncurrent loans to loans | 0.0561% | 4,253 |
| Net loans and leases to total assets | 50.8208% | 4,110 |
| Net loans and leases to deposits | 61.9377% | 4,008 |
| Net loans and leases to core deposits | 62.9654% | 4,129 |
| Total domestic deposits to total assets | 82.0515% | 3,354 |
| Equity capital to assets | 11.1011% | 2,250 |
| Core capital (leverage) ratio | 10.4732% | 2,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6799% | 706 |
| Memoranda: | ||
| Average total assets | $294,806,667 | 2,282 |
| Average earning assets | $274,066,000 | 2,286 |
| Average equity | $32,914,333 | 2,320 |
| Average total loans | $157,885,667 | 2,583 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8948% | 4,045 |
| Cost of funding earning assets | 0.5010% | 3,942 |
| Net interest margin | 3.3938% | 3,313 |
| Noninterest income to average assets | 1.0172% | 826 |
| Noninterest expense to average assets | 2.7533% | 2,567 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4079% | 959 |
| Return on assets (ROA) | 1.4079% | 1,041 |
| Pretax return on assets | 1.4108% | 1,527 |
| Return on Equity (ROE) | 12.5696% | 968 |
| Retained earnings to average equity (ytd only) | 3.6910% | 2,805 |
| Net charge-offs to loans | -0.0130% | 4,171 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1208% | 2,944 |
| Assets per employee ($millions) | 4.6165% | 3,106 |
| Cash dividends to net income (ytd only)* | 70.6357% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5668% | 1,155 |
| Loan loss allowance to noncurrent loans | 1,135.0711% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.0737% | 4,233 |
| Noncurrent loans to loans | 0.1380% | 3,972 |
| Net loans and leases to total assets | 52.5694% | 4,087 |
| Net loans and leases to deposits | 61.5760% | 4,124 |
| Net loans and leases to core deposits | 62.6894% | 4,251 |
| Total domestic deposits to total assets | 85.3731% | 2,260 |
| Equity capital to assets | 10.6844% | 3,155 |
| Core capital (leverage) ratio | 11.1517% | 2,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4005% | 816 |
| Memoranda: | ||
| Average total assets | $281,550,500 | 2,311 |
| Average earning assets | $261,064,000 | 2,315 |
| Average equity | $31,536,500 | 2,375 |
| Average total loans | $153,904,500 | 2,600 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0512% | 4,142 |
| Cost of funding earning assets | 0.5488% | 3,878 |
| Net interest margin | 3.5023% | 3,442 |
| Noninterest income to average assets | 0.7384% | 1,665 |
| Noninterest expense to average assets | 2.8233% | 2,527 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1452% | 2,271 |
| Return on assets (ROA) | 1.1420% | 2,381 |
| Pretax return on assets | 1.1463% | 3,023 |
| Return on Equity (ROE) | 10.0529% | 2,274 |
| Retained earnings to average equity (ytd only) | 0.7187% | 4,486 |
| Net charge-offs to loans | -0.0574% | 4,847 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0648% | 2,016 |
| Assets per employee ($millions) | 4.3263% | 3,468 |
| Cash dividends to net income (ytd only)* | 92.8504% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5424% | 1,112 |
| Loan loss allowance to noncurrent loans | 1,048.2456% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.2228% | 3,560 |
| Noncurrent loans to loans | 0.1471% | 3,937 |
| Net loans and leases to total assets | 55.0995% | 3,989 |
| Net loans and leases to deposits | 66.2110% | 3,945 |
| Net loans and leases to core deposits | 67.3777% | 4,116 |
| Total domestic deposits to total assets | 83.2181% | 3,129 |
| Equity capital to assets | 11.7350% | 2,325 |
| Core capital (leverage) ratio | 11.2097% | 2,325 |
| Tier 1 risk-based capital ratio | 18.8468% | 1,558 |
| Total risk-based capital ratio | 20.0992% | 1,525 |
| Memoranda: | ||
| Average total assets | $276,799,600 | 2,295 |
| Average earning assets | $255,631,000 | 2,297 |
| Average equity | $31,443,600 | 2,325 |
| Average total loans | $156,896,600 | 2,549 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0726% | 4,218 |
| Cost of funding earning assets | 0.5615% | 3,861 |
| Net interest margin | 3.5111% | 3,531 |
| Noninterest income to average assets | 0.7192% | 1,704 |
| Noninterest expense to average assets | 2.6509% | 3,012 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3083% | 1,820 |
| Return on assets (ROA) | 1.3040% | 1,926 |
| Pretax return on assets | 1.3083% | 2,640 |
| Return on Equity (ROE) | 11.5749% | 1,770 |
| Retained earnings to average equity (ytd only) | 4.3059% | 3,244 |
| Net charge-offs to loans | -0.0779% | 4,943 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8814% | 2,604 |
| Assets per employee ($millions) | 4.2387% | 3,562 |
| Cash dividends to net income (ytd only)* | 62.8002% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5158% | 1,205 |
| Loan loss allowance to noncurrent loans | 912.9771% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.2327% | 3,640 |
| Noncurrent loans to loans | 0.1660% | 3,944 |
| Net loans and leases to total assets | 55.5539% | 4,073 |
| Net loans and leases to deposits | 66.8209% | 4,006 |
| Net loans and leases to core deposits | 67.9931% | 4,175 |
| Total domestic deposits to total assets | 83.1386% | 3,116 |
| Equity capital to assets | 11.8785% | 2,348 |
| Core capital (leverage) ratio | 11.4706% | 2,242 |
| Tier 1 risk-based capital ratio | 19.1786% | 1,528 |
| Total risk-based capital ratio | 20.4309% | 1,494 |
| Memoranda: | ||
| Average total assets | $276,779,250 | 2,306 |
| Average earning assets | $255,754,500 | 2,310 |
| Average equity | $31,181,500 | 2,350 |
| Average total loans | $157,383,250 | 2,567 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0743% | 4,223 |
| Cost of funding earning assets | 0.5605% | 3,835 |
| Net interest margin | 3.5137% | 3,557 |
| Noninterest income to average assets | 0.6955% | 1,737 |
| Noninterest expense to average assets | 2.6803% | 2,975 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2611% | 1,913 |
| Return on assets (ROA) | 1.2466% | 2,029 |
| Pretax return on assets | 1.2510% | 2,745 |
| Return on Equity (ROE) | 11.2727% | 1,883 |
| Retained earnings to average equity (ytd only) | 3.7314% | 3,392 |
| Net charge-offs to loans | -0.1056% | 5,010 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9287% | 2,543 |
| Assets per employee ($millions) | 4.2450% | 3,500 |
| Cash dividends to net income (ytd only)* | 66.8994% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5473% | 1,141 |
| Loan loss allowance to noncurrent loans | 1,527.5641% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.1975% | 3,785 |
| Noncurrent loans to loans | 0.1013% | 4,221 |
| Net loans and leases to total assets | 54.9535% | 4,146 |
| Net loans and leases to deposits | 65.9523% | 4,100 |
| Net loans and leases to core deposits | 67.1177% | 4,255 |
| Total domestic deposits to total assets | 83.3231% | 3,104 |
| Equity capital to assets | 11.7053% | 2,443 |
| Core capital (leverage) ratio | 11.5903% | 2,096 |
| Tier 1 risk-based capital ratio | 19.3039% | 1,482 |
| Total risk-based capital ratio | 20.5567% | 1,450 |
| Memoranda: | ||
| Average total assets | $275,786,670 | 2,319 |
| Average earning assets | $255,112,670 | 2,326 |
| Average equity | $30,498,330 | 2,378 |
| Average total loans | $157,241,670 | 2,578 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9195% | 4,517 |
| Cost of funding earning assets | 0.5501% | 3,823 |
| Net interest margin | 3.3694% | 3,977 |
| Noninterest income to average assets | 0.6644% | 1,756 |
| Noninterest expense to average assets | 2.7187% | 2,849 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0605% | 2,619 |
| Return on assets (ROA) | 1.0315% | 2,778 |
| Pretax return on assets | 1.0358% | 3,325 |
| Return on Equity (ROE) | 9.6086% | 2,541 |
| Retained earnings to average equity (ytd only) | 1.5001% | 4,200 |
| Net charge-offs to loans | -0.1259% | 5,083 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8558% | 2,057 |
| Assets per employee ($millions) | 4.3427% | 3,426 |
| Cash dividends to net income (ytd only)* | 84.3882% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5104% | 1,305 |
| Loan loss allowance to noncurrent loans | 590.2010% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.2877% | 3,451 |
| Noncurrent loans to loans | 0.2559% | 3,642 |
| Net loans and leases to total assets | 55.9854% | 4,061 |
| Net loans and leases to deposits | 66.7759% | 3,999 |
| Net loans and leases to core deposits | 68.0592% | 4,173 |
| Total domestic deposits to total assets | 83.8406% | 3,102 |
| Equity capital to assets | 11.0262% | 2,827 |
| Core capital (leverage) ratio | 11.2664% | 2,326 |
| Tier 1 risk-based capital ratio | 19.1774% | 1,506 |
| Total risk-based capital ratio | 20.4299% | 1,477 |
| Memoranda: | ||
| Average total assets | $275,717,000 | 2,335 |
| Average earning assets | $255,235,000 | 2,342 |
| Average equity | $29,598,500 | 2,427 |
| Average total loans | $158,855,500 | 2,570 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8169% | 4,450 |
| Cost of funding earning assets | 0.4976% | 3,378 |
| Net interest margin | 3.3193% | 4,205 |
| Noninterest income to average assets | 0.6641% | 1,993 |
| Noninterest expense to average assets | 2.6976% | 3,031 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0476% | 2,813 |
| Return on assets (ROA) | 1.0476% | 2,798 |
| Pretax return on assets | 1.0526% | 3,436 |
| Return on Equity (ROE) | 10.0681% | 2,489 |
| Retained earnings to average equity (ytd only) | 0.9838% | 4,707 |
| Net charge-offs to loans | -0.0124% | 4,549 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9327% | 1,907 |
| Assets per employee ($millions) | 4.3413% | 3,398 |
| Cash dividends to net income (ytd only)* | 90.2281% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4181% | 1,568 |
| Loan loss allowance to noncurrent loans | 585.2417% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.2815% | 3,454 |
| Noncurrent loans to loans | 0.2423% | 3,718 |
| Net loans and leases to total assets | 57.5473% | 4,005 |
| Net loans and leases to deposits | 68.4095% | 3,946 |
| Net loans and leases to core deposits | 69.3525% | 4,143 |
| Total domestic deposits to total assets | 84.1219% | 2,963 |
| Equity capital to assets | 10.4484% | 3,241 |
| Core capital (leverage) ratio | 11.0908% | 2,445 |
| Tier 1 risk-based capital ratio | 18.2217% | 1,689 |
| Total risk-based capital ratio | 19.4727% | 1,642 |
| Memoranda: | ||
| Average total assets | $280,364,200 | 2,270 |
| Average earning assets | $260,654,800 | 2,265 |
| Average equity | $29,171,200 | 2,385 |
| Average total loans | $161,795,200 | 2,502 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7780% | 4,484 |
| Cost of funding earning assets | 0.4880% | 3,272 |
| Net interest margin | 3.2901% | 4,306 |
| Noninterest income to average assets | 0.6818% | 1,924 |
| Noninterest expense to average assets | 2.5594% | 3,415 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1853% | 2,290 |
| Return on assets (ROA) | 1.1853% | 2,293 |
| Pretax return on assets | 1.1905% | 3,026 |
| Return on Equity (ROE) | 11.4036% | 2,016 |
| Retained earnings to average equity (ytd only) | 3.8712% | 3,844 |
| Net charge-offs to loans | -0.0074% | 4,320 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2526% | 2,496 |
| Assets per employee ($millions) | 4.5935% | 2,987 |
| Cash dividends to net income (ytd only)* | 66.0531% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4090% | 1,661 |
| Loan loss allowance to noncurrent loans | 634.0720% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.2677% | 3,611 |
| Noncurrent loans to loans | 0.2222% | 3,916 |
| Net loans and leases to total assets | 57.1589% | 4,118 |
| Net loans and leases to deposits | 68.0011% | 4,063 |
| Net loans and leases to core deposits | 68.9280% | 4,252 |
| Total domestic deposits to total assets | 84.0558% | 2,923 |
| Equity capital to assets | 10.2765% | 3,363 |
| Core capital (leverage) ratio | 11.1576% | 2,446 |
| Tier 1 risk-based capital ratio | 18.5305% | 1,655 |
| Total risk-based capital ratio | 19.7818% | 1,614 |
| Memoranda: | ||
| Average total assets | $280,995,000 | 2,274 |
| Average earning assets | $262,033,750 | 2,255 |
| Average equity | $29,206,500 | 2,390 |
| Average total loans | $161,696,500 | 2,520 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7545% | 4,459 |
| Cost of funding earning assets | 0.4656% | 3,252 |
| Net interest margin | 3.2889% | 4,279 |
| Noninterest income to average assets | 0.6727% | 1,991 |
| Noninterest expense to average assets | 2.5727% | 3,408 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1591% | 2,353 |
| Return on assets (ROA) | 1.1591% | 2,356 |
| Pretax return on assets | 1.1641% | 3,081 |
| Return on Equity (ROE) | 11.1097% | 2,064 |
| Retained earnings to average equity (ytd only) | 3.6124% | 3,788 |
| Net charge-offs to loans | 0.0025% | 3,110 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 818.5000% | 99 |
| Efficiency ratio | 68.8487% | 2,507 |
| Assets per employee ($millions) | 4.5728% | 3,005 |
| Cash dividends to net income (ytd only)* | 67.4847% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4038% | 1,733 |
| Loan loss allowance to noncurrent loans | 636.3128% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.2714% | 3,680 |
| Noncurrent loans to loans | 0.2206% | 3,931 |
| Net loans and leases to total assets | 57.3598% | 4,051 |
| Net loans and leases to deposits | 68.3615% | 3,996 |
| Net loans and leases to core deposits | 69.4333% | 4,176 |
| Total domestic deposits to total assets | 83.9066% | 3,104 |
| Equity capital to assets | 10.4165% | 3,193 |
| Core capital (leverage) ratio | 11.3613% | 2,197 |
| Tier 1 risk-based capital ratio | 18.3859% | 1,701 |
| Total risk-based capital ratio | 19.6371% | 1,666 |
| Memoranda: | ||
| Average total assets | $281,259,000 | 2,278 |
| Average earning assets | $262,035,670 | 2,261 |
| Average equity | $29,343,670 | 2,391 |
| Average total loans | $161,445,330 | 2,536 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6489% | 4,595 |
| Cost of funding earning assets | 0.4261% | 3,396 |
| Net interest margin | 3.2229% | 4,391 |
| Noninterest income to average assets | 0.6784% | 1,921 |
| Noninterest expense to average assets | 2.6231% | 3,266 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0495% | 2,652 |
| Return on assets (ROA) | 1.0495% | 2,665 |
| Pretax return on assets | 1.0552% | 3,335 |
| Return on Equity (ROE) | 10.0517% | 2,395 |
| Retained earnings to average equity (ytd only) | 2.5909% | 4,138 |
| Net charge-offs to loans | -0.0273% | 4,699 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3131% | 2,295 |
| Assets per employee ($millions) | 4.3903% | 3,334 |
| Cash dividends to net income (ytd only)* | 74.2240% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4180% | 1,772 |
| Loan loss allowance to noncurrent loans | 512.5280% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.3011% | 3,643 |
| Noncurrent loans to loans | 0.2767% | 3,780 |
| Net loans and leases to total assets | 56.6858% | 4,060 |
| Net loans and leases to deposits | 68.0432% | 3,943 |
| Net loans and leases to core deposits | 68.8022% | 4,169 |
| Total domestic deposits to total assets | 83.3085% | 3,580 |
| Equity capital to assets | 10.2722% | 3,310 |
| Core capital (leverage) ratio | 10.9166% | 2,526 |
| Tier 1 risk-based capital ratio | 18.2591% | 1,758 |
| Total risk-based capital ratio | 19.5106% | 1,718 |
| Memoranda: | ||
| Average total assets | $282,418,000 | 2,289 |
| Average earning assets | $262,872,500 | 2,281 |
| Average equity | $29,487,500 | 2,407 |
| Average total loans | $161,029,000 | 2,560 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7354% | 4,254 |
| Cost of funding earning assets | 0.3740% | 3,475 |
| Net interest margin | 3.3614% | 3,967 |
| Noninterest income to average assets | 0.6739% | 2,075 |
| Noninterest expense to average assets | 2.7790% | 2,850 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0292% | 2,123 |
| Return on assets (ROA) | 1.0405% | 2,122 |
| Pretax return on assets | 1.0455% | 3,397 |
| Return on Equity (ROE) | 9.5773% | 2,064 |
| Retained earnings to average equity (ytd only) | 0.3309% | 4,892 |
| Net charge-offs to loans | -0.0660% | 5,257 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8785% | 2,084 |
| Assets per employee ($millions) | 4.4352% | 3,297 |
| Cash dividends to net income (ytd only)* | 96.5447% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4206% | 1,684 |
| Loan loss allowance to noncurrent loans | 506.6667% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.2991% | 3,686 |
| Noncurrent loans to loans | 0.2804% | 3,780 |
| Net loans and leases to total assets | 55.7364% | 4,216 |
| Net loans and leases to deposits | 65.8062% | 4,204 |
| Net loans and leases to core deposits | 67.2064% | 4,352 |
| Total domestic deposits to total assets | 84.6978% | 2,949 |
| Equity capital to assets | 10.6083% | 3,043 |
| Core capital (leverage) ratio | 10.9124% | 2,416 |
| Tier 1 risk-based capital ratio | 18.0330% | 1,797 |
| Total risk-based capital ratio | 19.2844% | 1,744 |
| Memoranda: | ||
| Average total assets | $283,703,800 | 2,266 |
| Average earning assets | $264,949,600 | 2,250 |
| Average equity | $30,823,000 | 2,304 |
| Average total loans | $160,630,800 | 2,543 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7661% | 4,122 |
| Cost of funding earning assets | 0.3688% | 3,477 |
| Net interest margin | 3.3973% | 3,856 |
| Noninterest income to average assets | 0.6533% | 2,190 |
| Noninterest expense to average assets | 2.5433% | 3,587 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2836% | 1,393 |
| Return on assets (ROA) | 1.2987% | 1,375 |
| Pretax return on assets | 1.3034% | 2,474 |
| Return on Equity (ROE) | 11.8833% | 1,371 |
| Retained earnings to average equity (ytd only) | 4.5718% | 3,164 |
| Net charge-offs to loans | -0.0805% | 5,316 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3763% | 3,152 |
| Assets per employee ($millions) | 4.4899% | 3,167 |
| Cash dividends to net income (ytd only)* | 61.5273% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3958% | 1,912 |
| Loan loss allowance to noncurrent loans | 415.1737% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.4187% | 3,347 |
| Noncurrent loans to loans | 0.3362% | 3,746 |
| Net loans and leases to total assets | 54.9708% | 4,325 |
| Net loans and leases to deposits | 65.1929% | 4,305 |
| Net loans and leases to core deposits | 66.5447% | 4,449 |
| Total domestic deposits to total assets | 84.3202% | 2,988 |
| Equity capital to assets | 10.9431% | 2,920 |
| Core capital (leverage) ratio | 11.0912% | 2,379 |
| Tier 1 risk-based capital ratio | 18.2783% | 1,782 |
| Total risk-based capital ratio | 19.5290% | 1,744 |
| Memoranda: | ||
| Average total assets | $283,666,250 | 2,278 |
| Average earning assets | $265,380,500 | 2,258 |
| Average equity | $31,000,750 | 2,304 |
| Average total loans | $160,666,000 | 2,559 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7963% | 3,908 |
| Cost of funding earning assets | 0.3634% | 3,444 |
| Net interest margin | 3.4329% | 3,656 |
| Noninterest income to average assets | 0.6706% | 2,123 |
| Noninterest expense to average assets | 2.5877% | 3,470 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2928% | 1,315 |
| Return on assets (ROA) | 1.2928% | 1,340 |
| Pretax return on assets | 1.2971% | 2,397 |
| Return on Equity (ROE) | 11.8350% | 1,351 |
| Retained earnings to average equity (ytd only) | 4.6662% | 2,934 |
| Net charge-offs to loans | -0.0588% | 5,244 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6117% | 3,244 |
| Assets per employee ($millions) | 4.2082% | 3,602 |
| Cash dividends to net income (ytd only)* | 60.5727% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3774% | 2,055 |
| Loan loss allowance to noncurrent loans | 317.7396% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.5466% | 2,941 |
| Noncurrent loans to loans | 0.4335% | 3,461 |
| Net loans and leases to total assets | 57.2566% | 4,098 |
| Net loans and leases to deposits | 69.5257% | 3,946 |
| Net loans and leases to core deposits | 70.8073% | 4,178 |
| Total domestic deposits to total assets | 82.3532% | 3,784 |
| Equity capital to assets | 11.4507% | 2,364 |
| Core capital (leverage) ratio | 11.2376% | 2,192 |
| Tier 1 risk-based capital ratio | 18.1370% | 1,814 |
| Total risk-based capital ratio | 19.3877% | 1,772 |
| Memoranda: | ||
| Average total assets | $280,939,670 | 2,309 |
| Average earning assets | $263,045,330 | 2,284 |
| Average equity | $30,688,670 | 2,322 |
| Average total loans | $159,987,670 | 2,567 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9889% | 3,079 |
| Cost of funding earning assets | 0.3524% | 3,502 |
| Net interest margin | 3.6366% | 2,749 |
| Noninterest income to average assets | 0.6342% | 2,248 |
| Noninterest expense to average assets | 2.6333% | 3,370 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4157% | 970 |
| Return on assets (ROA) | 1.4157% | 999 |
| Pretax return on assets | 1.4200% | 1,817 |
| Return on Equity (ROE) | 13.2751% | 944 |
| Retained earnings to average equity (ytd only) | 5.9738% | 2,354 |
| Net charge-offs to loans | -0.0703% | 5,326 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9668% | 3,667 |
| Assets per employee ($millions) | 4.3805% | 3,369 |
| Cash dividends to net income (ytd only)* | 55.0000% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3948% | 2,101 |
| Loan loss allowance to noncurrent loans | 251.6571% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.6092% | 2,812 |
| Noncurrent loans to loans | 0.5542% | 3,147 |
| Net loans and leases to total assets | 55.5266% | 4,205 |
| Net loans and leases to deposits | 66.2403% | 4,153 |
| Net loans and leases to core deposits | 67.2159% | 4,336 |
| Total domestic deposits to total assets | 83.8260% | 3,539 |
| Equity capital to assets | 10.8781% | 2,770 |
| Core capital (leverage) ratio | 10.8026% | 2,595 |
| Tier 1 risk-based capital ratio | 18.5619% | 1,727 |
| Total risk-based capital ratio | 19.8128% | 1,685 |
| Memoranda: | ||
| Average total assets | $282,540,000 | 2,307 |
| Average earning assets | $265,635,500 | 2,275 |
| Average equity | $30,131,500 | 2,365 |
| Average total loans | $159,359,000 | 2,586 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5328% | 4,687 |
| Cost of funding earning assets | 0.3835% | 3,166 |
| Net interest margin | 3.1493% | 4,586 |
| Noninterest income to average assets | 0.7086% | 2,138 |
| Noninterest expense to average assets | 2.6715% | 3,442 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0080% | 2,323 |
| Return on assets (ROA) | 1.0108% | 2,403 |
| Pretax return on assets | 1.0151% | 3,423 |
| Return on Equity (ROE) | 8.9967% | 2,418 |
| Retained earnings to average equity (ytd only) | 1.2436% | 4,786 |
| Net charge-offs to loans | -0.0328% | 5,280 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5220% | 2,504 |
| Assets per employee ($millions) | 4.1872% | 3,637 |
| Cash dividends to net income (ytd only)* | 86.1766% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3516% | 2,294 |
| Loan loss allowance to noncurrent loans | 180.8652% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.7147% | 2,583 |
| Noncurrent loans to loans | 0.7473% | 2,661 |
| Net loans and leases to total assets | 55.7276% | 4,293 |
| Net loans and leases to deposits | 66.3311% | 4,220 |
| Net loans and leases to core deposits | 67.3995% | 4,441 |
| Total domestic deposits to total assets | 84.0142% | 3,414 |
| Equity capital to assets | 10.4542% | 3,205 |
| Core capital (leverage) ratio | 10.7363% | 2,615 |
| Tier 1 risk-based capital ratio | 18.0950% | 1,827 |
| Total risk-based capital ratio | 19.3455% | 1,786 |
| Memoranda: | ||
| Average total assets | $281,260,600 | 2,281 |
| Average earning assets | $265,707,200 | 2,245 |
| Average equity | $31,600,600 | 2,248 |
| Average total loans | $161,700,000 | 2,500 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5441% | 4,697 |
| Cost of funding earning assets | 0.3876% | 3,149 |
| Net interest margin | 3.1565% | 4,619 |
| Noninterest income to average assets | 0.7004% | 2,162 |
| Noninterest expense to average assets | 2.5483% | 3,834 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1336% | 1,866 |
| Return on assets (ROA) | 1.1374% | 1,959 |
| Pretax return on assets | 1.1417% | 3,079 |
| Return on Equity (ROE) | 9.9480% | 2,073 |
| Retained earnings to average equity (ytd only) | 3.0859% | 4,066 |
| Net charge-offs to loans | -0.0280% | 5,138 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1305% | 3,025 |
| Assets per employee ($millions) | 4.3886% | 3,268 |
| Cash dividends to net income (ytd only)* | 68.9802% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3177% | 2,584 |
| Loan loss allowance to noncurrent loans | 170.6255% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.7274% | 2,737 |
| Noncurrent loans to loans | 0.7723% | 2,741 |
| Net loans and leases to total assets | 55.7178% | 4,336 |
| Net loans and leases to deposits | 67.1752% | 4,229 |
| Net loans and leases to core deposits | 68.2507% | 4,447 |
| Total domestic deposits to total assets | 82.9441% | 3,624 |
| Equity capital to assets | 11.2703% | 2,727 |
| Core capital (leverage) ratio | 10.6416% | 2,837 |
| Tier 1 risk-based capital ratio | 18.4201% | 1,806 |
| Total risk-based capital ratio | 19.6703% | 1,768 |
| Memoranda: | ||
| Average total assets | $280,393,750 | 2,289 |
| Average earning assets | $265,221,000 | 2,258 |
| Average equity | $32,059,250 | 2,242 |
| Average total loans | $161,913,500 | 2,501 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5788% | 4,655 |
| Cost of funding earning assets | 0.3934% | 3,114 |
| Net interest margin | 3.1854% | 4,590 |
| Noninterest income to average assets | 0.7039% | 2,127 |
| Noninterest expense to average assets | 2.6101% | 3,690 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1027% | 1,946 |
| Return on assets (ROA) | 1.1085% | 2,052 |
| Pretax return on assets | 1.1128% | 3,149 |
| Return on Equity (ROE) | 9.6472% | 2,203 |
| Retained earnings to average equity (ytd only) | 2.7429% | 4,158 |
| Net charge-offs to loans | -0.0335% | 5,180 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2173% | 2,942 |
| Assets per employee ($millions) | 4.3164% | 3,340 |
| Cash dividends to net income (ytd only)* | 71.5680% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3215% | 2,667 |
| Loan loss allowance to noncurrent loans | 176.9357% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.7595% | 2,702 |
| Noncurrent loans to loans | 0.7469% | 2,872 |
| Net loans and leases to total assets | 57.1666% | 4,201 |
| Net loans and leases to deposits | 69.1922% | 4,060 |
| Net loans and leases to core deposits | 70.2293% | 4,309 |
| Total domestic deposits to total assets | 82.6200% | 3,786 |
| Equity capital to assets | 11.5938% | 2,448 |
| Core capital (leverage) ratio | 11.0804% | 2,350 |
| Tier 1 risk-based capital ratio | 18.6301% | 1,771 |
| Total risk-based capital ratio | 19.8810% | 1,735 |
| Memoranda: | ||
| Average total assets | $277,309,330 | 2,318 |
| Average earning assets | $262,324,000 | 2,282 |
| Average equity | $31,864,330 | 2,253 |
| Average total loans | $161,371,330 | 2,517 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6321% | 4,532 |
| Cost of funding earning assets | 0.3918% | 3,173 |
| Net interest margin | 3.2403% | 4,430 |
| Noninterest income to average assets | 0.6326% | 2,354 |
| Noninterest expense to average assets | 2.6393% | 3,618 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0490% | 2,087 |
| Return on assets (ROA) | 1.0490% | 2,197 |
| Pretax return on assets | 1.0534% | 3,266 |
| Return on Equity (ROE) | 9.1715% | 2,329 |
| Retained earnings to average equity (ytd only) | 2.1946% | 4,380 |
| Net charge-offs to loans | -0.0323% | 5,098 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4735% | 2,875 |
| Assets per employee ($millions) | 4.1157% | 3,735 |
| Cash dividends to net income (ytd only)* | 76.0719% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3384% | 2,715 |
| Loan loss allowance to noncurrent loans | 162.2814% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.8246% | 2,631 |
| Noncurrent loans to loans | 0.8248% | 2,775 |
| Net loans and leases to total assets | 57.0454% | 4,142 |
| Net loans and leases to deposits | 69.2937% | 3,919 |
| Net loans and leases to core deposits | 70.3432% | 4,220 |
| Total domestic deposits to total assets | 82.3241% | 4,111 |
| Equity capital to assets | 11.5425% | 2,403 |
| Core capital (leverage) ratio | 10.7236% | 2,694 |
| Tier 1 risk-based capital ratio | 18.5440% | 1,844 |
| Total risk-based capital ratio | 19.7950% | 1,800 |
| Memoranda: | ||
| Average total assets | $275,682,000 | 2,338 |
| Average earning assets | $260,348,000 | 2,301 |
| Average equity | $31,532,500 | 2,271 |
| Average total loans | $160,788,500 | 2,515 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7040% | 4,357 |
| Cost of funding earning assets | 0.3902% | 3,264 |
| Net interest margin | 3.3138% | 4,236 |
| Noninterest income to average assets | 0.7407% | 2,023 |
| Noninterest expense to average assets | 2.8511% | 3,027 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0182% | 2,273 |
| Return on assets (ROA) | 1.0274% | 2,304 |
| Pretax return on assets | 1.0300% | 3,352 |
| Return on Equity (ROE) | 8.9570% | 2,474 |
| Retained earnings to average equity (ytd only) | 1.4556% | 4,899 |
| Net charge-offs to loans | -0.0482% | 5,538 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6359% | 2,636 |
| Assets per employee ($millions) | 4.1136% | 3,731 |
| Cash dividends to net income (ytd only)* | 83.7491% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3081% | 2,853 |
| Loan loss allowance to noncurrent loans | 154.7046% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.8454% | 2,553 |
| Noncurrent loans to loans | 0.8456% | 2,674 |
| Net loans and leases to total assets | 58.0592% | 4,084 |
| Net loans and leases to deposits | 70.1977% | 3,901 |
| Net loans and leases to core deposits | 71.0325% | 4,211 |
| Total domestic deposits to total assets | 82.7082% | 3,940 |
| Equity capital to assets | 11.3334% | 2,513 |
| Core capital (leverage) ratio | 11.0444% | 2,359 |
| Tier 1 risk-based capital ratio | 18.4762% | 1,838 |
| Total risk-based capital ratio | 19.7267% | 1,783 |
| Memoranda: | ||
| Average total assets | $273,119,400 | 2,317 |
| Average earning assets | $258,070,200 | 2,278 |
| Average equity | $31,327,400 | 2,233 |
| Average total loans | $165,942,600 | 2,393 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7334% | 4,321 |
| Cost of funding earning assets | 0.3917% | 3,305 |
| Net interest margin | 3.3418% | 4,174 |
| Noninterest income to average assets | 0.7579% | 1,993 |
| Noninterest expense to average assets | 2.7366% | 3,442 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1797% | 1,717 |
| Return on assets (ROA) | 1.1797% | 1,789 |
| Pretax return on assets | 1.1816% | 2,882 |
| Return on Equity (ROE) | 10.2538% | 1,995 |
| Retained earnings to average equity (ytd only) | 3.2365% | 4,156 |
| Net charge-offs to loans | -0.0455% | 5,515 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8427% | 3,232 |
| Assets per employee ($millions) | 4.0224% | 3,840 |
| Cash dividends to net income (ytd only)* | 68.4364% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 3,176 |
| Loan loss allowance to noncurrent loans | 128.0830% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 0.9813% | 2,394 |
| Noncurrent loans to loans | 1.0034% | 2,475 |
| Net loans and leases to total assets | 58.9178% | 4,022 |
| Net loans and leases to deposits | 71.9419% | 3,778 |
| Net loans and leases to core deposits | 72.9941% | 4,102 |
| Total domestic deposits to total assets | 81.8964% | 4,197 |
| Equity capital to assets | 11.5929% | 2,427 |
| Core capital (leverage) ratio | 11.0354% | 2,449 |
| Tier 1 risk-based capital ratio | 18.6395% | 1,863 |
| Total risk-based capital ratio | 19.8902% | 1,831 |
| Memoranda: | ||
| Average total assets | $272,496,750 | 2,334 |
| Average earning assets | $257,700,500 | 2,294 |
| Average equity | $31,350,250 | 2,249 |
| Average total loans | $166,893,750 | 2,402 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7461% | 4,251 |
| Cost of funding earning assets | 0.3926% | 3,346 |
| Net interest margin | 3.3534% | 4,092 |
| Noninterest income to average assets | 0.7635% | 1,933 |
| Noninterest expense to average assets | 2.8050% | 3,218 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1280% | 1,844 |
| Return on assets (ROA) | 1.1280% | 1,927 |
| Pretax return on assets | 1.1280% | 3,062 |
| Return on Equity (ROE) | 9.8301% | 2,145 |
| Retained earnings to average equity (ytd only) | 2.7857% | 4,272 |
| Net charge-offs to loans | 0.0012% | 3,865 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1,535.0000% | 37 |
| Efficiency ratio | 71.3191% | 3,107 |
| Assets per employee ($millions) | 3.9045% | 4,063 |
| Cash dividends to net income (ytd only)* | 71.6612% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2241% | 3,646 |
| Loan loss allowance to noncurrent loans | 92.8539% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 1.1926% | 2,120 |
| Noncurrent loans to loans | 1.3183% | 2,039 |
| Net loans and leases to total assets | 61.1025% | 3,677 |
| Net loans and leases to deposits | 76.1412% | 3,256 |
| Net loans and leases to core deposits | 77.4276% | 3,630 |
| Total domestic deposits to total assets | 80.2489% | 4,807 |
| Equity capital to assets | 11.5633% | 2,359 |
| Core capital (leverage) ratio | 11.1102% | 2,322 |
| Tier 1 risk-based capital ratio | 18.3132% | 1,981 |
| Total risk-based capital ratio | 19.5548% | 1,946 |
| Memoranda: | ||
| Average total assets | $272,155,670 | 2,354 |
| Average earning assets | $257,229,330 | 2,315 |
| Average equity | $31,230,670 | 2,269 |
| Average total loans | $168,108,330 | 2,393 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6959% | 4,376 |
| Cost of funding earning assets | 0.3873% | 3,443 |
| Net interest margin | 3.3087% | 4,179 |
| Noninterest income to average assets | 0.7604% | 1,864 |
| Noninterest expense to average assets | 2.8546% | 3,053 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0295% | 2,129 |
| Return on assets (ROA) | 1.0354% | 2,245 |
| Pretax return on assets | 1.0354% | 3,361 |
| Return on Equity (ROE) | 9.0567% | 2,418 |
| Retained earnings to average equity (ytd only) | 2.0211% | 4,664 |
| Net charge-offs to loans | 0.0877% | 1,842 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 19.0270% | 1,461 |
| Efficiency ratio | 73.4940% | 2,902 |
| Assets per employee ($millions) | 4.1092% | 3,742 |
| Cash dividends to net income (ytd only)* | 77.6836% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1927% | 4,024 |
| Loan loss allowance to noncurrent loans | 101.1604% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 1.1456% | 2,343 |
| Noncurrent loans to loans | 1.1790% | 2,418 |
| Net loans and leases to total assets | 60.3289% | 3,604 |
| Net loans and leases to deposits | 73.8968% | 3,328 |
| Net loans and leases to core deposits | 75.1431% | 3,674 |
| Total domestic deposits to total assets | 81.6395% | 4,626 |
| Equity capital to assets | 11.4097% | 2,551 |
| Core capital (leverage) ratio | 10.7648% | 2,669 |
| Tier 1 risk-based capital ratio | 18.6898% | 1,948 |
| Total risk-based capital ratio | 19.9417% | 1,907 |
| Memoranda: | ||
| Average total assets | $273,527,000 | 2,362 |
| Average earning assets | $258,231,000 | 2,322 |
| Average equity | $31,269,500 | 2,273 |
| Average total loans | $168,833,500 | 2,381 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7973% | 4,502 |
| Cost of funding earning assets | 0.4169% | 3,516 |
| Net interest margin | 3.3804% | 4,277 |
| Noninterest income to average assets | 0.7374% | 2,133 |
| Noninterest expense to average assets | 2.8994% | 3,152 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0110% | 2,332 |
| Return on assets (ROA) | 1.0151% | 2,394 |
| Pretax return on assets | 1.0188% | 3,426 |
| Return on Equity (ROE) | 9.0886% | 2,546 |
| Retained earnings to average equity (ytd only) | 1.8151% | 4,898 |
| Net charge-offs to loans | 0.7187% | 511 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 2.2881% | 4,200 |
| Efficiency ratio | 74.0755% | 2,822 |
| Assets per employee ($millions) | 3.9382% | 4,091 |
| Cash dividends to net income (ytd only)* | 80.0291% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2043% | 3,974 |
| Loan loss allowance to noncurrent loans | 80.6796% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 1.4084% | 1,969 |
| Noncurrent loans to loans | 1.4926% | 1,962 |
| Net loans and leases to total assets | 61.6494% | 3,545 |
| Net loans and leases to deposits | 75.2716% | 3,281 |
| Net loans and leases to core deposits | 76.5522% | 3,651 |
| Total domestic deposits to total assets | 81.9026% | 4,453 |
| Equity capital to assets | 11.4545% | 2,472 |
| Core capital (leverage) ratio | 10.9635% | 2,439 |
| Tier 1 risk-based capital ratio | 18.9089% | 1,877 |
| Total risk-based capital ratio | 20.1593% | 1,837 |
| Memoranda: | ||
| Average total assets | $270,812,000 | 2,357 |
| Average earning assets | $254,495,000 | 2,312 |
| Average equity | $30,246,600 | 2,256 |
| Average total loans | $167,117,600 | 2,350 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7841% | 4,598 |
| Cost of funding earning assets | 0.4201% | 3,573 |
| Net interest margin | 3.3640% | 4,378 |
| Noninterest income to average assets | 0.7574% | 2,062 |
| Noninterest expense to average assets | 2.7791% | 3,543 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1338% | 1,916 |
| Return on assets (ROA) | 1.1373% | 1,972 |
| Pretax return on assets | 1.1422% | 3,026 |
| Return on Equity (ROE) | 10.2484% | 2,091 |
| Retained earnings to average equity (ytd only) | 2.9218% | 4,518 |
| Net charge-offs to loans | 0.5453% | 700 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 3.3935% | 3,668 |
| Efficiency ratio | 70.9345% | 3,351 |
| Assets per employee ($millions) | 3.9888% | 3,919 |
| Cash dividends to net income (ytd only)* | 71.4905% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5314% | 2,575 |
| Loan loss allowance to noncurrent loans | 84.5824% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 1.9643% | 1,469 |
| Noncurrent loans to loans | 1.8106% | 1,780 |
| Net loans and leases to total assets | 60.7333% | 3,670 |
| Net loans and leases to deposits | 74.6570% | 3,348 |
| Net loans and leases to core deposits | 75.9373% | 3,747 |
| Total domestic deposits to total assets | 81.3497% | 4,715 |
| Equity capital to assets | 11.3999% | 2,584 |
| Core capital (leverage) ratio | 10.8468% | 2,640 |
| Tier 1 risk-based capital ratio | 18.9994% | 1,905 |
| Total risk-based capital ratio | 20.2543% | 1,872 |
| Memoranda: | ||
| Average total assets | $270,581,250 | 2,371 |
| Average earning assets | $254,216,000 | 2,325 |
| Average equity | $30,026,750 | 2,283 |
| Average total loans | $166,505,750 | 2,370 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7809% | 4,592 |
| Cost of funding earning assets | 0.4224% | 3,631 |
| Net interest margin | 3.3585% | 4,358 |
| Noninterest income to average assets | 0.7538% | 2,029 |
| Noninterest expense to average assets | 2.8096% | 3,466 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0912% | 1,973 |
| Return on assets (ROA) | 1.0963% | 2,020 |
| Pretax return on assets | 1.1022% | 3,092 |
| Return on Equity (ROE) | 9.9702% | 2,163 |
| Retained earnings to average equity (ytd only) | 2.5699% | 4,566 |
| Net charge-offs to loans | 0.2743% | 1,446 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 6.5044% | 2,759 |
| Efficiency ratio | 71.9182% | 3,359 |
| Assets per employee ($millions) | 4.1456% | 3,552 |
| Cash dividends to net income (ytd only)* | 74.2240% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7906% | 1,864 |
| Loan loss allowance to noncurrent loans | 75.8109% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 2.2667% | 1,329 |
| Noncurrent loans to loans | 2.3619% | 1,355 |
| Net loans and leases to total assets | 60.4386% | 3,644 |
| Net loans and leases to deposits | 75.3798% | 3,143 |
| Net loans and leases to core deposits | 76.7969% | 3,551 |
| Total domestic deposits to total assets | 80.1787% | 5,199 |
| Equity capital to assets | 11.1597% | 2,724 |
| Core capital (leverage) ratio | 10.9761% | 2,451 |
| Tier 1 risk-based capital ratio | 18.7290% | 1,994 |
| Total risk-based capital ratio | 19.9872% | 1,957 |
| Memoranda: | ||
| Average total assets | $270,361,670 | 2,373 |
| Average earning assets | $253,801,000 | 2,323 |
| Average equity | $29,728,670 | 2,289 |
| Average total loans | $166,242,670 | 2,380 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7968% | 4,494 |
| Cost of funding earning assets | 0.4189% | 3,774 |
| Net interest margin | 3.3779% | 4,229 |
| Noninterest income to average assets | 0.7249% | 2,055 |
| Noninterest expense to average assets | 2.8757% | 3,298 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0108% | 2,174 |
| Return on assets (ROA) | 1.0211% | 2,194 |
| Pretax return on assets | 1.0285% | 3,216 |
| Return on Equity (ROE) | 9.3569% | 2,309 |
| Retained earnings to average equity (ytd only) | 1.8550% | 4,854 |
| Net charge-offs to loans | 0.5764% | 640 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.8739% | 2,782 |
| Efficiency ratio | 73.8532% | 3,170 |
| Assets per employee ($millions) | 3.8619% | 4,208 |
| Cash dividends to net income (ytd only)* | 80.1749% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8268% | 1,964 |
| Loan loss allowance to noncurrent loans | 56.8160% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 2.8266% | 1,048 |
| Noncurrent loans to loans | 3.2154% | 958 |
| Net loans and leases to total assets | 60.6016% | 3,460 |
| Net loans and leases to deposits | 74.4537% | 3,017 |
| Net loans and leases to core deposits | 75.4485% | 3,471 |
| Total domestic deposits to total assets | 81.3951% | 5,124 |
| Equity capital to assets | 11.1084% | 2,620 |
| Core capital (leverage) ratio | 10.7717% | 2,631 |
| Tier 1 risk-based capital ratio | 18.9606% | 1,982 |
| Total risk-based capital ratio | 20.2192% | 1,941 |
| Memoranda: | ||
| Average total assets | $268,737,500 | 2,389 |
| Average earning assets | $252,107,500 | 2,338 |
| Average equity | $29,326,000 | 2,307 |
| Average total loans | $165,173,500 | 2,394 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9573% | 4,257 |
| Cost of funding earning assets | 0.4619% | 4,003 |
| Net interest margin | 3.4954% | 3,930 |
| Noninterest income to average assets | 0.8586% | 1,833 |
| Noninterest expense to average assets | 2.9579% | 3,167 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1638% | 1,708 |
| Return on assets (ROA) | 1.1634% | 1,766 |
| Pretax return on assets | 1.1705% | 2,687 |
| Return on Equity (ROE) | 10.3818% | 1,962 |
| Retained earnings to average equity (ytd only) | 2.4254% | 4,522 |
| Net charge-offs to loans | -0.0048% | 5,927 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6403% | 3,547 |
| Assets per employee ($millions) | 3.8715% | 4,114 |
| Cash dividends to net income (ytd only)* | 76.6376% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9553% | 1,662 |
| Loan loss allowance to noncurrent loans | 60.1558% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 2.8170% | 1,150 |
| Noncurrent loans to loans | 3.2504% | 1,029 |
| Net loans and leases to total assets | 60.0040% | 3,721 |
| Net loans and leases to deposits | 74.7628% | 3,140 |
| Net loans and leases to core deposits | 75.7921% | 3,626 |
| Total domestic deposits to total assets | 80.2592% | 5,386 |
| Equity capital to assets | 10.7198% | 2,913 |
| Core capital (leverage) ratio | 10.8747% | 2,506 |
| Tier 1 risk-based capital ratio | 18.6358% | 2,037 |
| Total risk-based capital ratio | 19.8958% | 1,996 |
| Memoranda: | ||
| Average total assets | $266,372,000 | 2,383 |
| Average earning assets | $249,210,400 | 2,334 |
| Average equity | $29,850,200 | 2,259 |
| Average total loans | $165,026,600 | 2,357 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9818% | 4,205 |
| Cost of funding earning assets | 0.4679% | 4,081 |
| Net interest margin | 3.5139% | 3,819 |
| Noninterest income to average assets | 0.8702% | 1,856 |
| Noninterest expense to average assets | 2.8308% | 3,555 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3181% | 1,301 |
| Return on assets (ROA) | 1.3176% | 1,361 |
| Pretax return on assets | 1.3272% | 2,222 |
| Return on Equity (ROE) | 11.6292% | 1,607 |
| Retained earnings to average equity (ytd only) | 4.4192% | 3,530 |
| Net charge-offs to loans | -0.0049% | 5,781 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0730% | 4,088 |
| Assets per employee ($millions) | 3.8618% | 4,109 |
| Cash dividends to net income (ytd only)* | 61.9992% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9836% | 1,762 |
| Loan loss allowance to noncurrent loans | 59.4243% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 2.8765% | 1,292 |
| Noncurrent loans to loans | 3.3380% | 1,168 |
| Net loans and leases to total assets | 59.2445% | 3,816 |
| Net loans and leases to deposits | 73.0430% | 3,398 |
| Net loans and leases to core deposits | 74.0396% | 3,842 |
| Total domestic deposits to total assets | 81.1090% | 5,191 |
| Equity capital to assets | 10.8925% | 2,867 |
| Core capital (leverage) ratio | 10.9305% | 2,550 |
| Tier 1 risk-based capital ratio | 19.1610% | 1,936 |
| Total risk-based capital ratio | 20.4269% | 1,902 |
| Memoranda: | ||
| Average total assets | $265,214,500 | 2,407 |
| Average earning assets | $248,190,750 | 2,354 |
| Average equity | $30,050,000 | 2,269 |
| Average total loans | $164,819,500 | 2,371 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0898% | 3,777 |
| Cost of funding earning assets | 0.4728% | 4,174 |
| Net interest margin | 3.6170% | 3,294 |
| Noninterest income to average assets | 0.9191% | 1,750 |
| Noninterest expense to average assets | 2.9676% | 3,099 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3199% | 1,273 |
| Return on assets (ROA) | 1.3191% | 1,355 |
| Pretax return on assets | 1.3297% | 2,193 |
| Return on Equity (ROE) | 11.4903% | 1,642 |
| Retained earnings to average equity (ytd only) | 4.3832% | 3,482 |
| Net charge-offs to loans | 0.0956% | 3,406 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 22.1899% | 1,380 |
| Efficiency ratio | 69.0447% | 4,001 |
| Assets per employee ($millions) | 3.8555% | 4,096 |
| Cash dividends to net income (ytd only)* | 61.8527% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9143% | 2,078 |
| Loan loss allowance to noncurrent loans | 59.7841% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 2.8901% | 1,418 |
| Noncurrent loans to loans | 3.2021% | 1,372 |
| Net loans and leases to total assets | 61.6800% | 3,358 |
| Net loans and leases to deposits | 77.2136% | 2,693 |
| Net loans and leases to core deposits | 78.6474% | 3,207 |
| Total domestic deposits to total assets | 79.8822% | 5,635 |
| Equity capital to assets | 11.1259% | 2,628 |
| Core capital (leverage) ratio | 11.0545% | 2,301 |
| Tier 1 risk-based capital ratio | 18.8816% | 2,025 |
| Total risk-based capital ratio | 20.1454% | 1,983 |
| Memoranda: | ||
| Average total assets | $263,511,330 | 2,424 |
| Average earning assets | $246,172,000 | 2,386 |
| Average equity | $30,251,670 | 2,258 |
| Average total loans | $165,295,000 | 2,361 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0596% | 3,889 |
| Cost of funding earning assets | 0.4534% | 4,556 |
| Net interest margin | 3.6062% | 3,233 |
| Noninterest income to average assets | 0.8964% | 1,769 |
| Noninterest expense to average assets | 3.1009% | 2,669 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1445% | 1,701 |
| Return on assets (ROA) | 1.1326% | 1,853 |
| Pretax return on assets | 1.1432% | 2,801 |
| Return on Equity (ROE) | 9.7165% | 2,179 |
| Retained earnings to average equity (ytd only) | 2.8968% | 4,549 |
| Net charge-offs to loans | 0.2223% | 2,102 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 8.2935% | 1,957 |
| Efficiency ratio | 72.8566% | 3,464 |
| Assets per employee ($millions) | 3.8539% | 4,247 |
| Cash dividends to net income (ytd only)* | 70.1872% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8852% | 2,350 |
| Loan loss allowance to noncurrent loans | 57.7651% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 2.9321% | 1,539 |
| Noncurrent loans to loans | 3.2635% | 1,491 |
| Net loans and leases to total assets | 61.5143% | 3,167 |
| Net loans and leases to deposits | 76.4218% | 2,565 |
| Net loans and leases to core deposits | 77.9015% | 3,077 |
| Total domestic deposits to total assets | 80.4932% | 5,637 |
| Equity capital to assets | 11.5635% | 2,357 |
| Core capital (leverage) ratio | 10.8349% | 2,420 |
| Tier 1 risk-based capital ratio | 18.5544% | 2,170 |
| Total risk-based capital ratio | 19.8185% | 2,137 |
| Memoranda: | ||
| Average total assets | $264,181,500 | 2,448 |
| Average earning assets | $246,131,500 | 2,413 |
| Average equity | $30,793,000 | 2,253 |
| Average total loans | $165,511,000 | 2,373 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4825% | 3,474 |
| Cost of funding earning assets | 0.5801% | 4,534 |
| Net interest margin | 3.9024% | 2,816 |
| Noninterest income to average assets | 1.0826% | 1,324 |
| Noninterest expense to average assets | 3.2959% | 2,349 |
| Loan and lease loss provision to assets | 0.0706% | 4,856 |
| Net operating income to assets | 1.3291% | 1,237 |
| Return on assets (ROA) | 1.3176% | 1,391 |
| Pretax return on assets | 1.3207% | 2,320 |
| Return on Equity (ROE) | 11.5073% | 1,649 |
| Retained earnings to average equity (ytd only) | 6.7598% | 1,689 |
| Net charge-offs to loans | 0.0944% | 4,727 |
| Credit loss provision to net charge-offs | 120.9150% | 2,368 |
| Earnings coverage of net charge-offs (x) | 24.0327% | 1,190 |
| Efficiency ratio | 70.1470% | 3,787 |
| Assets per employee ($millions) | 3.4992% | 5,005 |
| Cash dividends to net income (ytd only)* | 41.2565% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9690% | 2,106 |
| Loan loss allowance to noncurrent loans | 55.8240% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 3.4107% | 1,342 |
| Noncurrent loans to loans | 3.5271% | 1,410 |
| Net loans and leases to total assets | 61.3715% | 3,362 |
| Net loans and leases to deposits | 73.5069% | 3,172 |
| Net loans and leases to core deposits | 74.8933% | 3,672 |
| Total domestic deposits to total assets | 83.4908% | 4,540 |
| Equity capital to assets | 11.7497% | 2,225 |
| Core capital (leverage) ratio | 11.0058% | 2,250 |
| Tier 1 risk-based capital ratio | 18.1844% | 2,198 |
| Total risk-based capital ratio | 19.4485% | 2,152 |
| Memoranda: | ||
| Average total assets | $262,140,800 | 2,415 |
| Average earning assets | $242,899,800 | 2,386 |
| Average equity | $30,015,600 | 2,247 |
| Average total loans | $162,058,800 | 2,400 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4612% | 3,773 |
| Cost of funding earning assets | 0.6104% | 4,537 |
| Net interest margin | 3.8508% | 3,114 |
| Noninterest income to average assets | 1.0521% | 1,369 |
| Noninterest expense to average assets | 3.1940% | 2,584 |
| Loan and lease loss provision to assets | 0.0941% | 4,413 |
| Net operating income to assets | 1.3345% | 1,366 |
| Return on assets (ROA) | 1.3187% | 1,532 |
| Pretax return on assets | 1.3208% | 2,524 |
| Return on Equity (ROE) | 11.5929% | 1,762 |
| Retained earnings to average equity (ytd only) | 6.7849% | 2,234 |
| Net charge-offs to loans | 0.1329% | 4,059 |
| Credit loss provision to net charge-offs | 114.9068% | 2,536 |
| Earnings coverage of net charge-offs (x) | 17.4659% | 1,625 |
| Efficiency ratio | 69.0649% | 3,868 |
| Assets per employee ($millions) | 3.6527% | 4,650 |
| Cash dividends to net income (ytd only)* | 41.4739% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9289% | 2,389 |
| Loan loss allowance to noncurrent loans | 52.6170% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 3.6579% | 1,357 |
| Noncurrent loans to loans | 3.6659% | 1,462 |
| Net loans and leases to total assets | 62.3865% | 3,316 |
| Net loans and leases to deposits | 74.5377% | 3,213 |
| Net loans and leases to core deposits | 76.0281% | 3,723 |
| Total domestic deposits to total assets | 83.6979% | 4,359 |
| Equity capital to assets | 11.6031% | 2,644 |
| Core capital (leverage) ratio | 10.6172% | 2,782 |
| Tier 1 risk-based capital ratio | 17.6266% | 2,484 |
| Total risk-based capital ratio | 18.8908% | 2,452 |
| Memoranda: | ||
| Average total assets | $262,065,750 | 2,438 |
| Average earning assets | $243,127,000 | 2,417 |
| Average equity | $29,810,500 | 2,281 |
| Average total loans | $161,498,750 | 2,436 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4494% | 3,979 |
| Cost of funding earning assets | 0.6605% | 4,358 |
| Net interest margin | 3.7889% | 3,418 |
| Noninterest income to average assets | 1.0521% | 1,308 |
| Noninterest expense to average assets | 3.0410% | 3,124 |
| Loan and lease loss provision to assets | 0.1414% | 3,751 |
| Net operating income to assets | 1.3814% | 1,229 |
| Return on assets (ROA) | 1.3746% | 1,405 |
| Pretax return on assets | 1.3738% | 2,308 |
| Return on Equity (ROE) | 12.1654% | 1,618 |
| Retained earnings to average equity (ytd only) | 8.4461% | 1,465 |
| Net charge-offs to loans | 0.1918% | 3,434 |
| Credit loss provision to net charge-offs | 120.9150% | 2,273 |
| Earnings coverage of net charge-offs (x) | 13.0196% | 1,829 |
| Efficiency ratio | 66.6443% | 4,397 |
| Assets per employee ($millions) | 3.6882% | 4,545 |
| Cash dividends to net income (ytd only)* | 30.5725% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0212% | 2,175 |
| Loan loss allowance to noncurrent loans | 48.3418% | 5,207 |
| Noncurrent assets plus other real estate owned to assets | 4.0748% | 1,241 |
| Noncurrent loans to loans | 4.1810% | 1,310 |
| Net loans and leases to total assets | 60.7608% | 3,667 |
| Net loans and leases to deposits | 73.4466% | 3,389 |
| Net loans and leases to core deposits | 74.8981% | 3,902 |
| Total domestic deposits to total assets | 82.7279% | 4,866 |
| Equity capital to assets | 11.6852% | 2,424 |
| Core capital (leverage) ratio | 10.7565% | 2,536 |
| Tier 1 risk-based capital ratio | 17.6966% | 2,399 |
| Total risk-based capital ratio | 18.9590% | 2,360 |
| Memoranda: | ||
| Average total assets | $261,757,330 | 2,440 |
| Average earning assets | $242,549,000 | 2,419 |
| Average equity | $29,575,670 | 2,285 |
| Average total loans | $159,565,670 | 2,467 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5031% | 3,898 |
| Cost of funding earning assets | 0.6892% | 4,376 |
| Net interest margin | 3.8138% | 3,325 |
| Noninterest income to average assets | 1.0503% | 1,307 |
| Noninterest expense to average assets | 2.9353% | 3,488 |
| Loan and lease loss provision to assets | 0.0759% | 4,449 |
| Net operating income to assets | 1.5754% | 902 |
| Return on assets (ROA) | 1.5845% | 993 |
| Pretax return on assets | 1.5754% | 1,652 |
| Return on Equity (ROE) | 14.2625% | 1,133 |
| Retained earnings to average equity (ytd only) | 13.5795% | 615 |
| Net charge-offs to loans | 0.1657% | 3,093 |
| Credit loss provision to net charge-offs | 75.7576% | 2,805 |
| Earnings coverage of net charge-offs (x) | 16.3939% | 1,368 |
| Efficiency ratio | 64.1247% | 4,900 |
| Assets per employee ($millions) | 3.5436% | 5,017 |
| Cash dividends to net income (ytd only)* | 4.7893% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0155% | 2,311 |
| Loan loss allowance to noncurrent loans | 47.4123% | 5,225 |
| Noncurrent assets plus other real estate owned to assets | 4.0664% | 1,348 |
| Noncurrent loans to loans | 4.2509% | 1,412 |
| Net loans and leases to total assets | 59.1060% | 3,836 |
| Net loans and leases to deposits | 72.0599% | 3,429 |
| Net loans and leases to core deposits | 73.5955% | 3,946 |
| Total domestic deposits to total assets | 82.0234% | 5,288 |
| Equity capital to assets | 11.3571% | 2,573 |
| Core capital (leverage) ratio | 10.1335% | 3,197 |
| Tier 1 risk-based capital ratio | 17.5436% | 2,464 |
| Total risk-based capital ratio | 18.8041% | 2,431 |
| Memoranda: | ||
| Average total assets | $263,549,500 | 2,442 |
| Average earning assets | $243,744,000 | 2,420 |
| Average equity | $29,279,500 | 2,309 |
| Average total loans | $159,296,500 | 2,491 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7989% | 3,816 |
| Cost of funding earning assets | 0.8187% | 4,715 |
| Net interest margin | 3.9802% | 2,981 |
| Noninterest income to average assets | 0.8927% | 1,698 |
| Noninterest expense to average assets | 3.2871% | 2,559 |
| Loan and lease loss provision to assets | 0.2315% | 3,887 |
| Net operating income to assets | 1.0609% | 1,958 |
| Return on assets (ROA) | 1.0616% | 2,097 |
| Pretax return on assets | 1.0720% | 2,947 |
| Return on Equity (ROE) | 10.1710% | 2,002 |
| Retained earnings to average equity (ytd only) | 3.2507% | 3,911 |
| Net charge-offs to loans | 0.7497% | 2,278 |
| Credit loss provision to net charge-offs | 50.3221% | 5,416 |
| Earnings coverage of net charge-offs (x) | 2.8317% | 3,797 |
| Efficiency ratio | 71.6165% | 3,656 |
| Assets per employee ($millions) | 3.6788% | 4,597 |
| Cash dividends to net income (ytd only)* | 68.0391% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9967% | 2,294 |
| Loan loss allowance to noncurrent loans | 89.5694% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 2.7477% | 2,208 |
| Noncurrent loans to loans | 2.2292% | 2,924 |
| Net loans and leases to total assets | 59.3533% | 4,121 |
| Net loans and leases to deposits | 72.4366% | 3,738 |
| Net loans and leases to core deposits | 74.1800% | 4,213 |
| Total domestic deposits to total assets | 81.9383% | 5,151 |
| Equity capital to assets | 10.8647% | 3,126 |
| Core capital (leverage) ratio | 10.1270% | 3,197 |
| Tier 1 risk-based capital ratio | 16.7116% | 2,729 |
| Total risk-based capital ratio | 17.9704% | 2,684 |
| Memoranda: | ||
| Average total assets | $269,961,000 | 2,339 |
| Average earning assets | $250,765,400 | 2,295 |
| Average equity | $28,178,200 | 2,322 |
| Average total loans | $165,669,800 | 2,421 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8571% | 3,745 |
| Cost of funding earning assets | 0.8446% | 4,809 |
| Net interest margin | 4.0125% | 2,864 |
| Noninterest income to average assets | 0.8878% | 1,692 |
| Noninterest expense to average assets | 3.3456% | 2,362 |
| Loan and lease loss provision to assets | 0.1573% | 4,501 |
| Net operating income to assets | 1.1114% | 1,926 |
| Return on assets (ROA) | 1.1075% | 2,084 |
| Pretax return on assets | 1.1173% | 2,934 |
| Return on Equity (ROE) | 10.7175% | 1,953 |
| Retained earnings to average equity (ytd only) | 4.0577% | 3,841 |
| Net charge-offs to loans | 0.5645% | 2,550 |
| Credit loss provision to net charge-offs | 45.2617% | 5,137 |
| Earnings coverage of net charge-offs (x) | 3.6789% | 3,339 |
| Efficiency ratio | 72.3504% | 3,483 |
| Assets per employee ($millions) | 3.6798% | 4,577 |
| Cash dividends to net income (ytd only)* | 62.1395% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1422% | 1,978 |
| Loan loss allowance to noncurrent loans | 81.4130% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 2.8412% | 2,283 |
| Noncurrent loans to loans | 2.6313% | 2,638 |
| Net loans and leases to total assets | 58.3980% | 4,438 |
| Net loans and leases to deposits | 71.0826% | 4,131 |
| Net loans and leases to core deposits | 73.2223% | 4,562 |
| Total domestic deposits to total assets | 82.1552% | 5,032 |
| Equity capital to assets | 10.7944% | 3,367 |
| Core capital (leverage) ratio | 9.7766% | 3,733 |
| Tier 1 risk-based capital ratio | 16.6465% | 2,790 |
| Total risk-based capital ratio | 17.9071% | 2,748 |
| Memoranda: | ||
| Average total assets | $271,232,500 | 2,345 |
| Average earning assets | $252,573,250 | 2,296 |
| Average equity | $28,028,250 | 2,332 |
| Average total loans | $166,983,500 | 2,419 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8987% | 3,628 |
| Cost of funding earning assets | 0.8769% | 4,851 |
| Net interest margin | 4.0219% | 2,731 |
| Noninterest income to average assets | 0.8688% | 1,748 |
| Noninterest expense to average assets | 3.4303% | 2,184 |
| Loan and lease loss provision to assets | 0.2205% | 3,711 |
| Net operating income to assets | 0.9614% | 2,385 |
| Return on assets (ROA) | 0.9607% | 2,492 |
| Pretax return on assets | 0.9695% | 3,361 |
| Return on Equity (ROE) | 9.4349% | 2,331 |
| Retained earnings to average equity (ytd only) | 2.9380% | 4,412 |
| Net charge-offs to loans | 0.1028% | 4,659 |
| Credit loss provision to net charge-offs | 344.8276% | 889 |
| Earnings coverage of net charge-offs (x) | 18.6207% | 1,249 |
| Efficiency ratio | 74.2325% | 3,317 |
| Assets per employee ($millions) | 3.6044% | 4,674 |
| Cash dividends to net income (ytd only)* | 68.8600% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4573% | 1,512 |
| Loan loss allowance to noncurrent loans | 72.2292% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 3.2468% | 2,064 |
| Noncurrent loans to loans | 3.4021% | 2,090 |
| Net loans and leases to total assets | 61.7012% | 3,948 |
| Net loans and leases to deposits | 75.7127% | 3,527 |
| Net loans and leases to core deposits | 78.2918% | 4,021 |
| Total domestic deposits to total assets | 81.4939% | 5,350 |
| Equity capital to assets | 10.8435% | 3,137 |
| Core capital (leverage) ratio | 9.7543% | 3,586 |
| Tier 1 risk-based capital ratio | 16.2379% | 2,865 |
| Total risk-based capital ratio | 17.5026% | 2,826 |
| Memoranda: | ||
| Average total assets | $272,102,670 | 2,350 |
| Average earning assets | $253,862,330 | 2,296 |
| Average equity | $27,705,670 | 2,338 |
| Average total loans | $169,210,000 | 2,422 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7339% | 4,355 |
| Cost of funding earning assets | 0.9130% | 4,828 |
| Net interest margin | 3.8209% | 3,506 |
| Noninterest income to average assets | 0.7989% | 2,040 |
| Noninterest expense to average assets | 3.0561% | 3,435 |
| Loan and lease loss provision to assets | 0.4310% | 2,036 |
| Net operating income to assets | 0.8751% | 2,682 |
| Return on assets (ROA) | 0.8880% | 2,691 |
| Pretax return on assets | 0.8966% | 3,509 |
| Return on Equity (ROE) | 8.9930% | 2,476 |
| Retained earnings to average equity (ytd only) | 3.1723% | 4,270 |
| Net charge-offs to loans | -0.0023% | 6,182 |
| Credit loss provision to net charge-offs | -30,000.0000% | 6,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9211% | 4,293 |
| Assets per employee ($millions) | 3.7457% | 4,439 |
| Cash dividends to net income (ytd only)* | 64.7249% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4461% | 1,538 |
| Loan loss allowance to noncurrent loans | 68.8262% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 3.5946% | 1,894 |
| Noncurrent loans to loans | 3.5540% | 2,093 |
| Net loans and leases to total assets | 60.1203% | 4,236 |
| Net loans and leases to deposits | 73.7264% | 3,800 |
| Net loans and leases to core deposits | 76.1714% | 4,280 |
| Total domestic deposits to total assets | 81.5452% | 5,480 |
| Equity capital to assets | 10.1194% | 3,630 |
| Core capital (leverage) ratio | 8.9994% | 4,616 |
| Tier 1 risk-based capital ratio | 15.4322% | 3,190 |
| Total risk-based capital ratio | 16.6965% | 3,135 |
| Memoranda: | ||
| Average total assets | $278,394,000 | 2,317 |
| Average earning assets | $260,252,500 | 2,272 |
| Average equity | $27,488,000 | 2,337 |
| Average total loans | $171,734,500 | 2,412 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0301% | 4,409 |
| Cost of funding earning assets | 1.3606% | 3,510 |
| Net interest margin | 3.6695% | 4,494 |
| Noninterest income to average assets | 0.9246% | 1,761 |
| Noninterest expense to average assets | 2.9857% | 3,905 |
| Loan and lease loss provision to assets | 0.4897% | 3,210 |
| Net operating income to assets | 0.8955% | 2,411 |
| Return on assets (ROA) | 0.7916% | 2,974 |
| Pretax return on assets | 0.7983% | 3,643 |
| Return on Equity (ROE) | 8.3826% | 2,543 |
| Retained earnings to average equity (ytd only) | 2.8263% | 3,872 |
| Net charge-offs to loans | 0.6582% | 3,035 |
| Credit loss provision to net charge-offs | 116.4725% | 3,694 |
| Earnings coverage of net charge-offs (x) | 3.3128% | 3,422 |
| Efficiency ratio | 68.1873% | 4,524 |
| Assets per employee ($millions) | 3.8815% | 4,050 |
| Cash dividends to net income (ytd only)* | 66.2837% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1840% | 1,900 |
| Loan loss allowance to noncurrent loans | 47.0567% | 5,174 |
| Noncurrent assets plus other real estate owned to assets | 3.7462% | 1,833 |
| Noncurrent loans to loans | 4.6411% | 1,506 |
| Net loans and leases to total assets | 60.3967% | 4,611 |
| Net loans and leases to deposits | 74.2175% | 4,159 |
| Net loans and leases to core deposits | 76.4796% | 4,641 |
| Total domestic deposits to total assets | 81.3780% | 5,398 |
| Equity capital to assets | 9.6367% | 4,228 |
| Core capital (leverage) ratio | 8.9963% | 4,563 |
| Tier 1 risk-based capital ratio | 14.8954% | 3,309 |
| Total risk-based capital ratio | 16.1591% | 3,253 |
| Memoranda: | ||
| Average total assets | $285,867,200 | 2,239 |
| Average earning assets | $269,079,800 | 2,186 |
| Average equity | $26,996,400 | 2,377 |
| Average total loans | $182,627,000 | 2,320 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0842% | 4,406 |
| Cost of funding earning assets | 1.4322% | 3,379 |
| Net interest margin | 3.6520% | 4,628 |
| Noninterest income to average assets | 0.9108% | 1,759 |
| Noninterest expense to average assets | 2.9305% | 3,980 |
| Loan and lease loss provision to assets | 0.4887% | 3,027 |
| Net operating income to assets | 0.9248% | 2,518 |
| Return on assets (ROA) | 0.7958% | 3,180 |
| Pretax return on assets | 0.8014% | 3,898 |
| Return on Equity (ROE) | 8.4696% | 2,700 |
| Retained earnings to average equity (ytd only) | 3.2690% | 4,145 |
| Net charge-offs to loans | 0.8778% | 2,251 |
| Credit loss provision to net charge-offs | 86.4198% | 4,908 |
| Earnings coverage of net charge-offs (x) | 2.5119% | 3,912 |
| Efficiency ratio | 67.3548% | 4,595 |
| Assets per employee ($millions) | 3.9370% | 3,962 |
| Cash dividends to net income (ytd only)* | 61.4038% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9398% | 2,379 |
| Loan loss allowance to noncurrent loans | 42.6703% | 5,442 |
| Noncurrent assets plus other real estate owned to assets | 3.8324% | 1,854 |
| Noncurrent loans to loans | 4.5460% | 1,583 |
| Net loans and leases to total assets | 60.0027% | 4,916 |
| Net loans and leases to deposits | 74.3900% | 4,444 |
| Net loans and leases to core deposits | 76.7885% | 4,949 |
| Total domestic deposits to total assets | 80.6597% | 5,492 |
| Equity capital to assets | 9.6569% | 4,605 |
| Core capital (leverage) ratio | 8.6675% | 5,249 |
| Tier 1 risk-based capital ratio | 14.5651% | 3,476 |
| Total risk-based capital ratio | 15.8213% | 3,442 |
| Memoranda: | ||
| Average total assets | $286,495,750 | 2,269 |
| Average earning assets | $269,874,750 | 2,214 |
| Average equity | $26,919,000 | 2,421 |
| Average total loans | $184,544,500 | 2,331 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2162% | 3,871 |
| Cost of funding earning assets | 1.4933% | 3,292 |
| Net interest margin | 3.7229% | 4,260 |
| Noninterest income to average assets | 0.8600% | 1,841 |
| Noninterest expense to average assets | 2.9584% | 3,858 |
| Loan and lease loss provision to assets | 0.5441% | 2,600 |
| Net operating income to assets | 0.8650% | 2,675 |
| Return on assets (ROA) | 0.6676% | 3,689 |
| Pretax return on assets | 0.6726% | 4,335 |
| Return on Equity (ROE) | 7.1736% | 3,226 |
| Retained earnings to average equity (ytd only) | 2.2705% | 4,709 |
| Net charge-offs to loans | 1.2688% | 1,501 |
| Credit loss provision to net charge-offs | 65.4561% | 5,087 |
| Earnings coverage of net charge-offs (x) | 1.7035% | 4,230 |
| Efficiency ratio | 67.6296% | 4,647 |
| Assets per employee ($millions) | 3.8332% | 4,146 |
| Cash dividends to net income (ytd only)* | 68.3491% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7537% | 2,888 |
| Loan loss allowance to noncurrent loans | 38.3441% | 5,794 |
| Noncurrent assets plus other real estate owned to assets | 4.1653% | 1,624 |
| Noncurrent loans to loans | 4.5737% | 1,582 |
| Net loans and leases to total assets | 63.4756% | 4,360 |
| Net loans and leases to deposits | 78.2752% | 3,918 |
| Net loans and leases to core deposits | 81.2094% | 4,526 |
| Total domestic deposits to total assets | 81.0928% | 5,372 |
| Equity capital to assets | 9.6050% | 4,539 |
| Core capital (leverage) ratio | 8.7587% | 4,993 |
| Tier 1 risk-based capital ratio | 13.8588% | 3,835 |
| Total risk-based capital ratio | 15.1118% | 3,794 |
| Memoranda: | ||
| Average total assets | $284,882,670 | 2,301 |
| Average earning assets | $268,931,330 | 2,239 |
| Average equity | $26,514,000 | 2,451 |
| Average total loans | $186,637,000 | 2,348 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2474% | 3,794 |
| Cost of funding earning assets | 1.5719% | 3,129 |
| Net interest margin | 3.6755% | 4,370 |
| Noninterest income to average assets | 0.7790% | 2,123 |
| Noninterest expense to average assets | 3.2196% | 2,782 |
| Loan and lease loss provision to assets | 0.3152% | 3,530 |
| Net operating income to assets | 0.7244% | 3,334 |
| Return on assets (ROA) | 0.7328% | 3,399 |
| Pretax return on assets | 0.7384% | 4,095 |
| Return on Equity (ROE) | 8.0005% | 2,882 |
| Retained earnings to average equity (ytd only) | 3.4113% | 4,112 |
| Net charge-offs to loans | 1.2914% | 1,324 |
| Credit loss provision to net charge-offs | 37.0066% | 4,693 |
| Earnings coverage of net charge-offs (x) | 1.2270% | 4,035 |
| Efficiency ratio | 75.4928% | 3,304 |
| Assets per employee ($millions) | 3.7349% | 4,482 |
| Cash dividends to net income (ytd only)* | 57.3614% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7316% | 2,956 |
| Loan loss allowance to noncurrent loans | 39.4570% | 5,733 |
| Noncurrent assets plus other real estate owned to assets | 3.7206% | 1,875 |
| Noncurrent loans to loans | 4.3886% | 1,716 |
| Net loans and leases to total assets | 63.9547% | 4,341 |
| Net loans and leases to deposits | 78.3965% | 3,962 |
| Net loans and leases to core deposits | 81.8242% | 4,516 |
| Total domestic deposits to total assets | 81.5785% | 5,241 |
| Equity capital to assets | 9.1711% | 5,028 |
| Core capital (leverage) ratio | 8.3733% | 5,605 |
| Tier 1 risk-based capital ratio | 13.8837% | 3,737 |
| Total risk-based capital ratio | 15.1394% | 3,698 |
| Memoranda: | ||
| Average total assets | $285,497,000 | 2,345 |
| Average earning assets | $270,763,000 | 2,280 |
| Average equity | $26,148,500 | 2,506 |
| Average total loans | $188,323,000 | 2,397 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6390% | 3,401 |
| Cost of funding earning assets | 1.9868% | 3,019 |
| Net interest margin | 3.6522% | 4,346 |
| Noninterest income to average assets | 0.7857% | 2,475 |
| Noninterest expense to average assets | 2.7788% | 5,054 |
| Loan and lease loss provision to assets | 0.9808% | 2,307 |
| Net operating income to assets | 0.5211% | 3,647 |
| Return on assets (ROA) | 0.5558% | 3,589 |
| Pretax return on assets | 0.5625% | 4,010 |
| Return on Equity (ROE) | 6.2313% | 3,111 |
| Retained earnings to average equity (ytd only) | -1.2431% | 5,324 |
| Net charge-offs to loans | 0.9978% | 2,416 |
| Credit loss provision to net charge-offs | 142.6748% | 3,379 |
| Earnings coverage of net charge-offs (x) | 2.1940% | 4,083 |
| Efficiency ratio | 64.8195% | 5,614 |
| Assets per employee ($millions) | 3.6334% | 4,691 |
| Cash dividends to net income (ytd only)* | 119.9495% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9121% | 2,231 |
| Loan loss allowance to noncurrent loans | 33.2142% | 6,229 |
| Noncurrent assets plus other real estate owned to assets | 4.7508% | 1,329 |
| Noncurrent loans to loans | 5.7568% | 1,105 |
| Net loans and leases to total assets | 65.5794% | 4,259 |
| Net loans and leases to deposits | 80.6131% | 3,869 |
| Net loans and leases to core deposits | 90.4589% | 5,073 |
| Total domestic deposits to total assets | 81.3508% | 5,215 |
| Equity capital to assets | 9.1466% | 4,920 |
| Core capital (leverage) ratio | 8.6764% | 4,960 |
| Tier 1 risk-based capital ratio | 12.5724% | 4,468 |
| Total risk-based capital ratio | 13.8334% | 4,403 |
| Memoranda: | ||
| Average total assets | $284,974,800 | 2,309 |
| Average earning assets | $273,202,600 | 2,217 |
| Average equity | $25,420,200 | 2,568 |
| Average total loans | $196,327,000 | 2,325 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7101% | 3,292 |
| Cost of funding earning assets | 2.0545% | 3,095 |
| Net interest margin | 3.6556% | 4,252 |
| Noninterest income to average assets | 0.7990% | 2,435 |
| Noninterest expense to average assets | 2.8033% | 4,881 |
| Loan and lease loss provision to assets | 0.8620% | 2,228 |
| Net operating income to assets | 0.6452% | 3,427 |
| Return on assets (ROA) | 0.6452% | 3,489 |
| Pretax return on assets | 0.6527% | 4,010 |
| Return on Equity (ROE) | 7.2793% | 2,955 |
| Retained earnings to average equity (ytd only) | -2.7357% | 5,887 |
| Net charge-offs to loans | 0.6026% | 2,869 |
| Credit loss provision to net charge-offs | 206.1453% | 2,151 |
| Earnings coverage of net charge-offs (x) | 3.6224% | 3,451 |
| Efficiency ratio | 64.9210% | 5,566 |
| Assets per employee ($millions) | 3.6260% | 4,616 |
| Cash dividends to net income (ytd only)* | 137.5813% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9124% | 2,000 |
| Loan loss allowance to noncurrent loans | 27.1486% | 6,653 |
| Noncurrent assets plus other real estate owned to assets | 5.2002% | 1,118 |
| Noncurrent loans to loans | 7.0443% | 764 |
| Net loans and leases to total assets | 66.9113% | 4,207 |
| Net loans and leases to deposits | 82.9448% | 3,838 |
| Net loans and leases to core deposits | 93.7862% | 5,035 |
| Total domestic deposits to total assets | 80.6696% | 5,198 |
| Equity capital to assets | 9.0749% | 5,374 |
| Core capital (leverage) ratio | 8.3278% | 5,792 |
| Tier 1 risk-based capital ratio | 12.2052% | 4,785 |
| Total risk-based capital ratio | 13.4675% | 4,721 |
| Memoranda: | ||
| Average total assets | $285,367,000 | 2,323 |
| Average earning assets | $274,711,500 | 2,230 |
| Average equity | $25,294,750 | 2,602 |
| Average total loans | $198,039,000 | 2,339 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7865% | 3,117 |
| Cost of funding earning assets | 2.1284% | 3,145 |
| Net interest margin | 3.6581% | 4,128 |
| Noninterest income to average assets | 0.8386% | 2,227 |
| Noninterest expense to average assets | 2.7621% | 5,123 |
| Loan and lease loss provision to assets | 1.0070% | 1,673 |
| Net operating income to assets | 0.5817% | 3,764 |
| Return on assets (ROA) | 0.5817% | 3,871 |
| Pretax return on assets | 0.5902% | 4,347 |
| Return on Equity (ROE) | 6.6158% | 3,377 |
| Retained earnings to average equity (ytd only) | -4.1578% | 6,164 |
| Net charge-offs to loans | 0.6586% | 2,390 |
| Credit loss provision to net charge-offs | 219.0840% | 2,099 |
| Earnings coverage of net charge-offs (x) | 3.4748% | 3,428 |
| Efficiency ratio | 63.3612% | 6,032 |
| Assets per employee ($millions) | 3.6070% | 4,557 |
| Cash dividends to net income (ytd only)* | 162.8468% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8210% | 1,989 |
| Loan loss allowance to noncurrent loans | 23.7436% | 6,921 |
| Noncurrent assets plus other real estate owned to assets | 5.5540% | 900 |
| Noncurrent loans to loans | 7.6694% | 598 |
| Net loans and leases to total assets | 67.4908% | 4,251 |
| Net loans and leases to deposits | 84.4290% | 3,807 |
| Net loans and leases to core deposits | 96.1402% | 4,889 |
| Total domestic deposits to total assets | 79.9379% | 5,493 |
| Equity capital to assets | 8.6040% | 5,890 |
| Core capital (leverage) ratio | 8.5125% | 5,426 |
| Tier 1 risk-based capital ratio | 12.1950% | 4,758 |
| Total risk-based capital ratio | 13.4225% | 4,691 |
| Memoranda: | ||
| Average total assets | $285,005,670 | 2,348 |
| Average earning assets | $274,293,670 | 2,256 |
| Average equity | $25,061,330 | 2,634 |
| Average total loans | $198,917,000 | 2,366 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8713% | 2,933 |
| Cost of funding earning assets | 2.1831% | 3,250 |
| Net interest margin | 3.6881% | 3,943 |
| Noninterest income to average assets | 0.7929% | 2,365 |
| Noninterest expense to average assets | 2.5541% | 5,635 |
| Loan and lease loss provision to assets | 1.0525% | 1,242 |
| Net operating income to assets | 0.7227% | 3,451 |
| Return on assets (ROA) | 0.7227% | 3,648 |
| Pretax return on assets | 0.7354% | 4,305 |
| Return on Equity (ROE) | 8.1315% | 3,081 |
| Retained earnings to average equity (ytd only) | -2.9210% | 6,260 |
| Net charge-offs to loans | 0.0519% | 4,742 |
| Credit loss provision to net charge-offs | 2,884.6154% | 233 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 737 |
| Efficiency ratio | 58.8235% | 6,572 |
| Assets per employee ($millions) | 3.7262% | 4,282 |
| Cash dividends to net income (ytd only)* | 135.9223% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7626% | 1,951 |
| Loan loss allowance to noncurrent loans | 35.4503% | 6,193 |
| Noncurrent assets plus other real estate owned to assets | 3.5069% | 1,531 |
| Noncurrent loans to loans | 4.9719% | 1,095 |
| Net loans and leases to total assets | 68.2043% | 4,083 |
| Net loans and leases to deposits | 85.1596% | 3,786 |
| Net loans and leases to core deposits | 96.9679% | 4,848 |
| Total domestic deposits to total assets | 80.0900% | 5,335 |
| Equity capital to assets | 8.9061% | 5,464 |
| Core capital (leverage) ratio | 8.4085% | 5,707 |
| Tier 1 risk-based capital ratio | 12.0147% | 4,953 |
| Total risk-based capital ratio | 13.2711% | 4,832 |
| Memoranda: | ||
| Average total assets | $285,033,500 | 2,361 |
| Average earning assets | $274,284,500 | 2,270 |
| Average equity | $25,333,500 | 2,619 |
| Average total loans | $200,434,500 | 2,363 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3533% | 3,679 |
| Cost of funding earning assets | 2.5718% | 3,838 |
| Net interest margin | 3.7815% | 4,098 |
| Noninterest income to average assets | 0.6608% | 3,398 |
| Noninterest expense to average assets | 2.8018% | 4,809 |
| Loan and lease loss provision to assets | 0.1537% | 5,397 |
| Net operating income to assets | 1.2954% | 1,493 |
| Return on assets (ROA) | 1.3090% | 1,412 |
| Pretax return on assets | 1.3238% | 2,226 |
| Return on Equity (ROE) | 14.0898% | 1,086 |
| Retained earnings to average equity (ytd only) | 1.6313% | 4,233 |
| Net charge-offs to loans | 0.2697% | 3,604 |
| Credit loss provision to net charge-offs | 83.8264% | 5,811 |
| Earnings coverage of net charge-offs (x) | 7.9822% | 2,974 |
| Efficiency ratio | 65.6830% | 5,191 |
| Assets per employee ($millions) | 3.7257% | 4,117 |
| Cash dividends to net income (ytd only)* | 88.4222% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3820% | 3,301 |
| Loan loss allowance to noncurrent loans | 42.1252% | 5,917 |
| Noncurrent assets plus other real estate owned to assets | 2.3366% | 2,077 |
| Noncurrent loans to loans | 3.2806% | 1,589 |
| Net loans and leases to total assets | 70.2388% | 3,966 |
| Net loans and leases to deposits | 91.8556% | 3,170 |
| Net loans and leases to core deposits | 103.6881% | 4,422 |
| Total domestic deposits to total assets | 76.4666% | 6,128 |
| Equity capital to assets | 8.8695% | 5,538 |
| Core capital (leverage) ratio | 8.8786% | 4,928 |
| Tier 1 risk-based capital ratio | 11.8905% | 4,905 |
| Total risk-based capital ratio | 13.1414% | 4,811 |
| Memoranda: | ||
| Average total assets | $276,468,200 | 2,338 |
| Average earning assets | $263,546,200 | 2,260 |
| Average equity | $25,685,200 | 2,589 |
| Average total loans | $187,993,000 | 2,419 |