Home > The FNB Community Bank > Performance and Condition Ratios
The FNB Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0864% | 3,830 |
| Cost of funding earning assets | 1.1784% | 2,860 |
| Net interest margin | 2.9080% | 3,466 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 2.2078% | 3,102 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.8080% | 2,842 |
| Return on assets (ROA) | 0.8080% | 2,823 |
| Pretax return on assets | 1.0199% | 2,618 |
| Return on Equity (ROE) | 10.4200% | 2,377 |
| Retained earnings to average equity (ytd only) | 4.9614% | 2,617 |
| Net charge-offs to loans | 0.0054% | 2,508 |
| Credit loss provision to net charge-offs | 700.0000% | 527 |
| Earnings coverage of net charge-offs (x) | 389.4615% | 360 |
| Efficiency ratio | 67.6051% | 2,155 |
| Assets per employee ($millions) | 5.5505% | 3,206 |
| Cash dividends to net income (ytd only)* | 52.3662% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1782% | 2,418 |
| Loan loss allowance to noncurrent loans | 1,379.1469% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.0953% | 2,881 |
| Noncurrent loans to loans | 0.0854% | 3,119 |
| Net loans and leases to total assets | 50.5500% | 3,565 |
| Net loans and leases to deposits | 59.2025% | 3,570 |
| Net loans and leases to core deposits | 64.9797% | 3,544 |
| Total domestic deposits to total assets | 85.3800% | 2,192 |
| Equity capital to assets | 8.5622% | 3,005 |
| Core capital (leverage) ratio | 12.1232% | 1,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3863% | 747 |
| Memoranda: | ||
| Average total assets | $478,581,400 | 1,775 |
| Average earning assets | $438,234,400 | 1,780 |
| Average equity | $37,126,600 | 1,975 |
| Average total loans | $238,780,800 | 2,066 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0273% | 3,803 |
| Cost of funding earning assets | 1.0476% | 2,897 |
| Net interest margin | 2.9798% | 3,378 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 2.2380% | 2,971 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.8287% | 2,937 |
| Return on assets (ROA) | 0.8287% | 2,924 |
| Pretax return on assets | 1.0457% | 2,724 |
| Return on Equity (ROE) | 10.9700% | 2,380 |
| Retained earnings to average equity (ytd only) | 5.1489% | 2,885 |
| Net charge-offs to loans | 0.0006% | 2,639 |
| Credit loss provision to net charge-offs | 8,100.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 3,927.0000% | 19 |
| Efficiency ratio | 67.1161% | 2,126 |
| Assets per employee ($millions) | 5.4193% | 3,245 |
| Cash dividends to net income (ytd only)* | 53.0660% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1929% | 2,397 |
| Loan loss allowance to noncurrent loans | 1,164.8000% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.1084% | 2,850 |
| Noncurrent loans to loans | 0.1024% | 3,063 |
| Net loans and leases to total assets | 51.1600% | 3,546 |
| Net loans and leases to deposits | 59.1164% | 3,550 |
| Net loans and leases to core deposits | 63.2569% | 3,565 |
| Total domestic deposits to total assets | 86.5400% | 2,028 |
| Equity capital to assets | 6.7348% | 3,738 |
| Core capital (leverage) ratio | 12.0605% | 1,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0566% | 810 |
| Memoranda: | ||
| Average total assets | $477,503,750 | 1,781 |
| Average earning assets | $436,937,750 | 1,782 |
| Average equity | $36,071,750 | 2,006 |
| Average total loans | $236,728,500 | 2,069 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9541% | 3,781 |
| Cost of funding earning assets | 0.9267% | 2,844 |
| Net interest margin | 3.0274% | 3,359 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 2.1647% | 3,183 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.8809% | 2,818 |
| Return on assets (ROA) | 0.8809% | 2,809 |
| Pretax return on assets | 1.1195% | 2,590 |
| Return on Equity (ROE) | 11.2600% | 2,360 |
| Retained earnings to average equity (ytd only) | 4.9638% | 2,948 |
| Net charge-offs to loans | -0.0009% | 3,430 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.8183% | 2,397 |
| Assets per employee ($millions) | 5.5883% | 3,066 |
| Cash dividends to net income (ytd only)* | 55.9186% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2372% | 2,242 |
| Loan loss allowance to noncurrent loans | 650.4464% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.1577% | 2,446 |
| Noncurrent loans to loans | 0.1902% | 2,512 |
| Net loans and leases to total assets | 48.9700% | 3,627 |
| Net loans and leases to deposits | 55.6400% | 3,665 |
| Net loans and leases to core deposits | 59.5644% | 3,656 |
| Total domestic deposits to total assets | 88.0200% | 1,593 |
| Equity capital to assets | 7.9642% | 3,241 |
| Core capital (leverage) ratio | 11.8017% | 1,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3759% | 776 |
| Memoranda: | ||
| Average total assets | $479,512,333 | 1,775 |
| Average earning assets | $439,190,333 | 1,788 |
| Average equity | $37,511,333 | 1,958 |
| Average total loans | $234,269,667 | 2,080 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8433% | 3,775 |
| Cost of funding earning assets | 0.8070% | 2,706 |
| Net interest margin | 3.0363% | 3,511 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 2.1803% | 3,147 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 0.8502% | 3,019 |
| Return on assets (ROA) | 0.8502% | 2,969 |
| Pretax return on assets | 1.0727% | 2,789 |
| Return on Equity (ROE) | 10.9700% | 2,499 |
| Retained earnings to average equity (ytd only) | 4.7441% | 3,076 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.0322% | 2,321 |
| Assets per employee ($millions) | 5.7615% | 2,970 |
| Cash dividends to net income (ytd only)* | 56.7383% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2197% | 2,454 |
| Loan loss allowance to noncurrent loans | 680.0469% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.1485% | 2,477 |
| Noncurrent loans to loans | 0.1794% | 2,582 |
| Net loans and leases to total assets | 47.9100% | 3,638 |
| Net loans and leases to deposits | 53.9435% | 3,688 |
| Net loans and leases to core deposits | 57.7336% | 3,642 |
| Total domestic deposits to total assets | 88.8100% | 1,609 |
| Equity capital to assets | 7.7766% | 3,396 |
| Core capital (leverage) ratio | 11.7099% | 1,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9316% | 857 |
| Memoranda: | ||
| Average total assets | $481,767,000 | 1,787 |
| Average earning assets | $440,145,000 | 1,803 |
| Average equity | $37,352,000 | 1,991 |
| Average total loans | $233,638,500 | 2,103 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3631% | 3,438 |
| Cost of funding earning assets | 0.3346% | 2,590 |
| Net interest margin | 3.0285% | 3,367 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 2.1418% | 3,188 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.9705% | 2,673 |
| Return on assets (ROA) | 0.9705% | 2,615 |
| Pretax return on assets | 1.2289% | 2,341 |
| Return on Equity (ROE) | 10.7500% | 2,564 |
| Retained earnings to average equity (ytd only) | 8.3341% | 1,709 |
| Net charge-offs to loans | 0.0775% | 869 |
| Credit loss provision to net charge-offs | 33.3333% | 1,884 |
| Earnings coverage of net charge-offs (x) | 35.2182% | 1,582 |
| Efficiency ratio | 63.3213% | 2,588 |
| Assets per employee ($millions) | 5.5094% | 3,210 |
| Cash dividends to net income (ytd only)* | 22.4813% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1917% | 2,432 |
| Loan loss allowance to noncurrent loans | 527.5530% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.2104% | 2,111 |
| Noncurrent loans to loans | 0.2259% | 2,363 |
| Net loans and leases to total assets | 47.9200% | 3,672 |
| Net loans and leases to deposits | 53.5509% | 3,702 |
| Net loans and leases to core deposits | 56.6978% | 3,690 |
| Total domestic deposits to total assets | 89.4800% | 1,568 |
| Equity capital to assets | 7.7288% | 3,235 |
| Core capital (leverage) ratio | 12.0414% | 1,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1920% | 806 |
| Memoranda: | ||
| Average total assets | $468,398,200 | 1,808 |
| Average earning assets | $432,192,600 | 1,813 |
| Average equity | $42,284,200 | 1,847 |
| Average total loans | $212,786,800 | 2,148 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2374% | 3,338 |
| Cost of funding earning assets | 0.2786% | 2,398 |
| Net interest margin | 2.9588% | 3,329 |
| Noninterest income to average assets | 0.5800% | 1,791 |
| Noninterest expense to average assets | 2.1682% | 3,011 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9127% | 2,822 |
| Return on assets (ROA) | 0.9127% | 2,792 |
| Pretax return on assets | 1.1465% | 2,569 |
| Return on Equity (ROE) | 9.7500% | 2,803 |
| Retained earnings to average equity (ytd only) | 8.0669% | 1,976 |
| Net charge-offs to loans | 0.0070% | 1,890 |
| Credit loss provision to net charge-offs | 136.3636% | 1,160 |
| Earnings coverage of net charge-offs (x) | 366.4545% | 417 |
| Efficiency ratio | 65.3277% | 2,362 |
| Assets per employee ($millions) | 5.4296% | 3,292 |
| Cash dividends to net income (ytd only)* | 17.2975% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3025% | 2,016 |
| Loan loss allowance to noncurrent loans | 381.2834% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.2091% | 2,212 |
| Noncurrent loans to loans | 0.3416% | 2,004 |
| Net loans and leases to total assets | 46.8300% | 3,719 |
| Net loans and leases to deposits | 53.0318% | 3,665 |
| Net loans and leases to core deposits | 54.7914% | 3,700 |
| Total domestic deposits to total assets | 88.3000% | 2,328 |
| Equity capital to assets | 7.3846% | 3,277 |
| Core capital (leverage) ratio | 11.7802% | 1,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5498% | 780 |
| Memoranda: | ||
| Average total assets | $467,045,250 | 1,820 |
| Average earning assets | $431,736,250 | 1,823 |
| Average equity | $43,700,250 | 1,826 |
| Average total loans | $208,542,250 | 2,179 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1074% | 3,286 |
| Cost of funding earning assets | 0.2453% | 2,329 |
| Net interest margin | 2.8621% | 3,263 |
| Noninterest income to average assets | 0.5869% | 1,796 |
| Noninterest expense to average assets | 2.1348% | 3,046 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8817% | 2,663 |
| Return on assets (ROA) | 0.8817% | 2,636 |
| Pretax return on assets | 1.1043% | 2,392 |
| Return on Equity (ROE) | 8.8132% | 2,752 |
| Retained earnings to average equity (ytd only) | 7.4531% | 1,830 |
| Net charge-offs to loans | 0.0078% | 1,706 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 323.6250% | 377 |
| Efficiency ratio | 65.9073% | 2,524 |
| Assets per employee ($millions) | 5.4962% | 3,235 |
| Cash dividends to net income (ytd only)* | 15.4330% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3543% | 1,942 |
| Loan loss allowance to noncurrent loans | 409.2219% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.1973% | 2,349 |
| Noncurrent loans to loans | 0.3310% | 2,152 |
| Net loans and leases to total assets | 44.8056% | 3,768 |
| Net loans and leases to deposits | 49.5663% | 3,827 |
| Net loans and leases to core deposits | 51.1854% | 3,866 |
| Total domestic deposits to total assets | 90.3953% | 1,515 |
| Equity capital to assets | 7.8453% | 3,238 |
| Core capital (leverage) ratio | 11.3626% | 1,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0228% | 715 |
| Memoranda: | ||
| Average total assets | $468,888,000 | 1,820 |
| Average earning assets | $434,509,667 | 1,828 |
| Average equity | $46,906,667 | 1,764 |
| Average total loans | $205,070,333 | 2,201 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9404% | 3,428 |
| Cost of funding earning assets | 0.2456% | 2,208 |
| Net interest margin | 2.6948% | 3,415 |
| Noninterest income to average assets | 0.5934% | 1,719 |
| Noninterest expense to average assets | 1.9869% | 3,460 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8830% | 2,347 |
| Return on assets (ROA) | 0.8830% | 2,346 |
| Pretax return on assets | 1.1141% | 2,096 |
| Return on Equity (ROE) | 7.9847% | 2,698 |
| Retained earnings to average equity (ytd only) | 6.9818% | 1,896 |
| Net charge-offs to loans | 0.0178% | 1,176 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 146.2222% | 542 |
| Efficiency ratio | 64.0732% | 3,018 |
| Assets per employee ($millions) | 5.7585% | 3,051 |
| Cash dividends to net income (ytd only)* | 12.5599% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3787% | 1,994 |
| Loan loss allowance to noncurrent loans | 193.2607% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.3486% | 1,712 |
| Noncurrent loans to loans | 0.7134% | 1,331 |
| Net loans and leases to total assets | 41.9846% | 3,882 |
| Net loans and leases to deposits | 47.4766% | 3,903 |
| Net loans and leases to core deposits | 48.9142% | 3,933 |
| Total domestic deposits to total assets | 88.4321% | 2,325 |
| Equity capital to assets | 9.8801% | 1,987 |
| Core capital (leverage) ratio | 11.1574% | 1,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3824% | 707 |
| Memoranda: | ||
| Average total assets | $472,492,500 | 1,820 |
| Average earning assets | $439,668,000 | 1,825 |
| Average equity | $52,250,000 | 1,670 |
| Average total loans | $202,756,500 | 2,206 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3861% | 2,966 |
| Cost of funding earning assets | 0.2907% | 2,502 |
| Net interest margin | 3.0954% | 2,915 |
| Noninterest income to average assets | 0.6816% | 1,828 |
| Noninterest expense to average assets | 2.0864% | 3,418 |
| Loan and lease loss provision to assets | 0.0091% | 2,900 |
| Net operating income to assets | 1.1587% | 2,067 |
| Return on assets (ROA) | 1.1539% | 2,150 |
| Pretax return on assets | 1.4768% | 1,796 |
| Return on Equity (ROE) | 9.0807% | 2,883 |
| Retained earnings to average equity (ytd only) | 6.3756% | 2,189 |
| Net charge-offs to loans | 0.0351% | 1,539 |
| Credit loss provision to net charge-offs | 56.3380% | 2,091 |
| Earnings coverage of net charge-offs (x) | 92.8592% | 911 |
| Efficiency ratio | 58.3065% | 3,396 |
| Assets per employee ($millions) | 5.6252% | 3,139 |
| Cash dividends to net income (ytd only)* | 29.7902% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4269% | 1,813 |
| Loan loss allowance to noncurrent loans | 171.2568% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.4254% | 1,543 |
| Noncurrent loans to loans | 0.8332% | 1,219 |
| Net loans and leases to total assets | 42.6519% | 3,936 |
| Net loans and leases to deposits | 49.7172% | 3,906 |
| Net loans and leases to core deposits | 51.3459% | 3,941 |
| Total domestic deposits to total assets | 85.7889% | 2,975 |
| Equity capital to assets | 12.2940% | 1,132 |
| Core capital (leverage) ratio | 11.3738% | 1,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1485% | 637 |
| Memoranda: | ||
| Average total assets | $441,899,800 | 1,858 |
| Average earning assets | $413,542,800 | 1,859 |
| Average equity | $56,152,000 | 1,606 |
| Average total loans | $202,056,600 | 2,219 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5219% | 2,762 |
| Cost of funding earning assets | 0.3011% | 2,583 |
| Net interest margin | 3.2209% | 2,670 |
| Noninterest income to average assets | 0.6870% | 1,869 |
| Noninterest expense to average assets | 2.0576% | 3,493 |
| Loan and lease loss provision to assets | 0.0121% | 2,748 |
| Net operating income to assets | 1.2649% | 1,939 |
| Return on assets (ROA) | 1.2584% | 2,019 |
| Pretax return on assets | 1.6214% | 1,639 |
| Return on Equity (ROE) | 9.8189% | 2,803 |
| Retained earnings to average equity (ytd only) | 7.6766% | 2,155 |
| Net charge-offs to loans | 0.0467% | 1,194 |
| Credit loss provision to net charge-offs | 56.3380% | 1,824 |
| Earnings coverage of net charge-offs (x) | 75.8028% | 1,010 |
| Efficiency ratio | 55.6197% | 3,576 |
| Assets per employee ($millions) | 5.4077% | 3,303 |
| Cash dividends to net income (ytd only)* | 21.8182% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4079% | 1,997 |
| Loan loss allowance to noncurrent loans | 243.0034% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.3472% | 2,047 |
| Noncurrent loans to loans | 0.5794% | 1,860 |
| Net loans and leases to total assets | 45.5310% | 3,826 |
| Net loans and leases to deposits | 53.7669% | 3,757 |
| Net loans and leases to core deposits | 55.4482% | 3,815 |
| Total domestic deposits to total assets | 84.6822% | 3,230 |
| Equity capital to assets | 13.1683% | 937 |
| Core capital (leverage) ratio | 11.6055% | 1,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4191% | 648 |
| Memoranda: | ||
| Average total assets | $437,058,000 | 1,899 |
| Average earning assets | $408,780,250 | 1,891 |
| Average equity | $56,013,000 | 1,624 |
| Average total loans | $202,674,000 | 2,257 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7416% | 2,227 |
| Cost of funding earning assets | 0.3096% | 2,681 |
| Net interest margin | 3.4321% | 2,056 |
| Noninterest income to average assets | 0.6901% | 1,851 |
| Noninterest expense to average assets | 2.0965% | 3,404 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3872% | 1,593 |
| Return on assets (ROA) | 1.3963% | 1,648 |
| Pretax return on assets | 1.8139% | 1,200 |
| Return on Equity (ROE) | 10.9958% | 2,423 |
| Retained earnings to average equity (ytd only) | 8.5615% | 1,869 |
| Net charge-offs to loans | 0.0020% | 2,135 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 1,968.0000% | 56 |
| Efficiency ratio | 53.7703% | 3,833 |
| Assets per employee ($millions) | 5.5921% | 3,026 |
| Cash dividends to net income (ytd only)* | 22.1384% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4340% | 1,836 |
| Loan loss allowance to noncurrent loans | 218.6170% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.3163% | 2,335 |
| Noncurrent loans to loans | 0.6559% | 1,779 |
| Net loans and leases to total assets | 44.2025% | 4,029 |
| Net loans and leases to deposits | 51.7941% | 4,008 |
| Net loans and leases to core deposits | 53.3242% | 4,054 |
| Total domestic deposits to total assets | 85.3426% | 2,966 |
| Equity capital to assets | 12.5612% | 1,105 |
| Core capital (leverage) ratio | 11.3502% | 1,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2988% | 590 |
| Memoranda: | ||
| Average total assets | $436,737,333 | 1,890 |
| Average earning assets | $408,327,333 | 1,885 |
| Average equity | $55,457,333 | 1,630 |
| Average total loans | $202,804,333 | 2,262 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9167% | 1,793 |
| Cost of funding earning assets | 0.3262% | 2,740 |
| Net interest margin | 3.5905% | 1,613 |
| Noninterest income to average assets | 0.6778% | 1,933 |
| Noninterest expense to average assets | 2.0055% | 3,701 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5484% | 1,220 |
| Return on assets (ROA) | 1.5484% | 1,286 |
| Pretax return on assets | 2.0194% | 916 |
| Return on Equity (ROE) | 12.1259% | 1,973 |
| Retained earnings to average equity (ytd only) | 10.2163% | 1,597 |
| Net charge-offs to loans | -0.0020% | 3,133 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8272% | 4,199 |
| Assets per employee ($millions) | 5.5825% | 3,038 |
| Cash dividends to net income (ytd only)* | 15.7485% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4191% | 1,877 |
| Loan loss allowance to noncurrent loans | 227.8481% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.2965% | 2,662 |
| Noncurrent loans to loans | 0.6228% | 2,011 |
| Net loans and leases to total assets | 44.7962% | 4,059 |
| Net loans and leases to deposits | 52.9136% | 4,009 |
| Net loans and leases to core deposits | 54.4301% | 4,074 |
| Total domestic deposits to total assets | 84.6592% | 3,236 |
| Equity capital to assets | 12.1988% | 1,203 |
| Core capital (leverage) ratio | 11.4823% | 1,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1524% | 573 |
| Memoranda: | ||
| Average total assets | $431,420,500 | 1,893 |
| Average earning assets | $402,173,000 | 1,896 |
| Average equity | $55,088,500 | 1,631 |
| Average total loans | $203,893,500 | 2,255 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9383% | 2,904 |
| Cost of funding earning assets | 0.4862% | 3,037 |
| Net interest margin | 3.4520% | 2,624 |
| Noninterest income to average assets | 0.7973% | 1,540 |
| Noninterest expense to average assets | 2.2900% | 3,431 |
| Loan and lease loss provision to assets | 0.1847% | 2,104 |
| Net operating income to assets | 1.1967% | 1,568 |
| Return on assets (ROA) | 1.2216% | 1,588 |
| Pretax return on assets | 1.5548% | 1,183 |
| Return on Equity (ROE) | 8.9526% | 2,411 |
| Retained earnings to average equity (ytd only) | 6.5943% | 1,548 |
| Net charge-offs to loans | 0.0033% | 3,259 |
| Credit loss provision to net charge-offs | 10,142.8571% | 100 |
| Earnings coverage of net charge-offs (x) | 938.0000% | 128 |
| Efficiency ratio | 57.2776% | 3,821 |
| Assets per employee ($millions) | 5.0761% | 3,308 |
| Cash dividends to net income (ytd only)* | 26.3416% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4054% | 1,950 |
| Loan loss allowance to noncurrent loans | 208.6232% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.3428% | 2,622 |
| Noncurrent loans to loans | 0.6737% | 2,000 |
| Net loans and leases to total assets | 48.5219% | 3,939 |
| Net loans and leases to deposits | 58.4092% | 3,867 |
| Net loans and leases to core deposits | 60.5093% | 3,916 |
| Total domestic deposits to total assets | 83.0723% | 3,389 |
| Equity capital to assets | 13.3809% | 971 |
| Core capital (leverage) ratio | 11.8617% | 1,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7071% | 608 |
| Memoranda: | ||
| Average total assets | $384,412,600 | 1,911 |
| Average earning assets | $356,426,600 | 1,909 |
| Average equity | $52,454,000 | 1,615 |
| Average total loans | $210,635,600 | 2,160 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1101% | 2,649 |
| Cost of funding earning assets | 0.5172% | 3,127 |
| Net interest margin | 3.5929% | 2,296 |
| Noninterest income to average assets | 0.7937% | 1,522 |
| Noninterest expense to average assets | 2.3085% | 3,402 |
| Loan and lease loss provision to assets | 0.1772% | 2,215 |
| Net operating income to assets | 1.2816% | 1,395 |
| Return on assets (ROA) | 1.3129% | 1,415 |
| Pretax return on assets | 1.6742% | 1,015 |
| Return on Equity (ROE) | 9.5706% | 2,180 |
| Retained earnings to average equity (ytd only) | 7.7298% | 1,402 |
| Net charge-offs to loans | -0.0233% | 4,462 |
| Credit loss provision to net charge-offs | -1,351.3514% | 3,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0303% | 3,916 |
| Assets per employee ($millions) | 4.8204% | 3,464 |
| Cash dividends to net income (ytd only)* | 19.2339% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2564% | 2,371 |
| Loan loss allowance to noncurrent loans | 179.0759% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.4124% | 2,515 |
| Noncurrent loans to loans | 0.7016% | 2,038 |
| Net loans and leases to total assets | 53.9421% | 3,808 |
| Net loans and leases to deposits | 65.4739% | 3,660 |
| Net loans and leases to core deposits | 68.0378% | 3,757 |
| Total domestic deposits to total assets | 82.3872% | 3,318 |
| Equity capital to assets | 13.9087% | 885 |
| Core capital (leverage) ratio | 12.1126% | 1,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0547% | 669 |
| Memoranda: | ||
| Average total assets | $376,455,500 | 1,916 |
| Average earning assets | $348,531,500 | 1,929 |
| Average equity | $51,643,250 | 1,632 |
| Average total loans | $212,082,750 | 2,152 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9656% | 3,417 |
| Cost of funding earning assets | 0.5441% | 3,271 |
| Net interest margin | 3.4215% | 3,032 |
| Noninterest income to average assets | 1.1411% | 768 |
| Noninterest expense to average assets | 2.3696% | 3,348 |
| Loan and lease loss provision to assets | 0.2701% | 1,582 |
| Net operating income to assets | 1.2991% | 1,361 |
| Return on assets (ROA) | 1.3469% | 1,326 |
| Pretax return on assets | 1.7245% | 946 |
| Return on Equity (ROE) | 9.8670% | 2,027 |
| Retained earnings to average equity (ytd only) | 8.0108% | 1,303 |
| Net charge-offs to loans | -0.0019% | 3,810 |
| Credit loss provision to net charge-offs | -25,000.0000% | 4,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0590% | 4,056 |
| Assets per employee ($millions) | 4.6852% | 3,548 |
| Cash dividends to net income (ytd only)* | 18.8127% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2278% | 2,364 |
| Loan loss allowance to noncurrent loans | 187.7980% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.4030% | 2,674 |
| Noncurrent loans to loans | 0.6538% | 2,227 |
| Net loans and leases to total assets | 54.7409% | 3,811 |
| Net loans and leases to deposits | 66.1461% | 3,706 |
| Net loans and leases to core deposits | 68.7032% | 3,817 |
| Total domestic deposits to total assets | 82.7575% | 3,161 |
| Equity capital to assets | 13.6268% | 951 |
| Core capital (leverage) ratio | 12.2944% | 1,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6012% | 830 |
| Memoranda: | ||
| Average total assets | $370,184,000 | 1,919 |
| Average earning assets | $342,188,667 | 1,935 |
| Average equity | $50,532,000 | 1,655 |
| Average total loans | $210,800,333 | 2,144 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1514% | 3,372 |
| Cost of funding earning assets | 0.5778% | 3,545 |
| Net interest margin | 3.5735% | 2,757 |
| Noninterest income to average assets | 0.7799% | 1,369 |
| Noninterest expense to average assets | 2.3844% | 3,566 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3121% | 1,212 |
| Return on assets (ROA) | 1.3244% | 1,271 |
| Pretax return on assets | 1.7027% | 851 |
| Return on Equity (ROE) | 9.6931% | 1,844 |
| Retained earnings to average equity (ytd only) | 7.0881% | 1,506 |
| Net charge-offs to loans | 0.0019% | 2,524 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 1,512.0000% | 27 |
| Efficiency ratio | 58.5640% | 3,931 |
| Assets per employee ($millions) | 4.3539% | 3,469 |
| Cash dividends to net income (ytd only)* | 26.8745% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0540% | 3,426 |
| Loan loss allowance to noncurrent loans | 101.9213% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 0.6348% | 2,097 |
| Noncurrent loans to loans | 1.0341% | 1,609 |
| Net loans and leases to total assets | 56.5019% | 3,797 |
| Net loans and leases to deposits | 67.0550% | 3,791 |
| Net loans and leases to core deposits | 69.7187% | 3,896 |
| Total domestic deposits to total assets | 84.2620% | 2,690 |
| Equity capital to assets | 13.4216% | 1,254 |
| Core capital (leverage) ratio | 12.6914% | 1,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1725% | 841 |
| Memoranda: | ||
| Average total assets | $358,498,000 | 1,927 |
| Average earning assets | $330,205,500 | 1,934 |
| Average equity | $48,983,500 | 1,694 |
| Average total loans | $207,143,500 | 2,134 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2797% | 3,593 |
| Cost of funding earning assets | 0.5579% | 3,835 |
| Net interest margin | 3.7219% | 2,751 |
| Noninterest income to average assets | 0.7874% | 1,483 |
| Noninterest expense to average assets | 2.5530% | 3,312 |
| Loan and lease loss provision to assets | 0.0739% | 2,518 |
| Net operating income to assets | 1.2398% | 1,908 |
| Return on assets (ROA) | 1.2490% | 1,962 |
| Pretax return on assets | 1.5934% | 1,502 |
| Return on Equity (ROE) | 9.0481% | 2,732 |
| Retained earnings to average equity (ytd only) | 6.6093% | 1,560 |
| Net charge-offs to loans | 0.0293% | 2,812 |
| Credit loss provision to net charge-offs | 425.0000% | 672 |
| Earnings coverage of net charge-offs (x) | 95.2500% | 708 |
| Efficiency ratio | 60.6595% | 3,598 |
| Assets per employee ($millions) | 4.2846% | 3,530 |
| Cash dividends to net income (ytd only)* | 26.9543% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0465% | 3,239 |
| Loan loss allowance to noncurrent loans | 102.4000% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 0.6105% | 2,064 |
| Noncurrent loans to loans | 1.0220% | 1,482 |
| Net loans and leases to total assets | 57.8572% | 3,780 |
| Net loans and leases to deposits | 69.1432% | 3,731 |
| Net loans and leases to core deposits | 71.9617% | 3,856 |
| Total domestic deposits to total assets | 83.6773% | 2,962 |
| Equity capital to assets | 13.9094% | 1,129 |
| Core capital (leverage) ratio | 12.5850% | 1,439 |
| Tier 1 risk-based capital ratio | 19.1066% | 1,488 |
| Total risk-based capital ratio | 20.0370% | 1,535 |
| Memoranda: | ||
| Average total assets | $345,166,200 | 1,929 |
| Average earning assets | $317,286,000 | 1,933 |
| Average equity | $47,645,200 | 1,667 |
| Average total loans | $204,966,200 | 2,130 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2779% | 3,725 |
| Cost of funding earning assets | 0.5370% | 3,993 |
| Net interest margin | 3.7409% | 2,783 |
| Noninterest income to average assets | 0.7547% | 1,578 |
| Noninterest expense to average assets | 2.5132% | 3,399 |
| Loan and lease loss provision to assets | 0.0720% | 2,435 |
| Net operating income to assets | 1.2745% | 1,936 |
| Return on assets (ROA) | 1.2868% | 1,985 |
| Pretax return on assets | 1.6231% | 1,552 |
| Return on Equity (ROE) | 9.3407% | 2,742 |
| Retained earnings to average equity (ytd only) | 8.6513% | 1,151 |
| Net charge-offs to loans | 0.0248% | 2,607 |
| Credit loss provision to net charge-offs | 486.8421% | 646 |
| Earnings coverage of net charge-offs (x) | 113.5423% | 679 |
| Efficiency ratio | 59.9424% | 3,658 |
| Assets per employee ($millions) | 4.0846% | 3,785 |
| Cash dividends to net income (ytd only)* | 7.3806% | 3,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0066% | 3,531 |
| Loan loss allowance to noncurrent loans | 151.1364% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.4182% | 2,836 |
| Noncurrent loans to loans | 0.6660% | 2,292 |
| Net loans and leases to total assets | 59.5783% | 3,715 |
| Net loans and leases to deposits | 71.3883% | 3,651 |
| Net loans and leases to core deposits | 74.4866% | 3,800 |
| Total domestic deposits to total assets | 83.4567% | 3,007 |
| Equity capital to assets | 14.1141% | 1,103 |
| Core capital (leverage) ratio | 13.1727% | 1,269 |
| Tier 1 risk-based capital ratio | 19.1174% | 1,539 |
| Total risk-based capital ratio | 20.0296% | 1,584 |
| Memoranda: | ||
| Average total assets | $342,552,250 | 1,948 |
| Average earning assets | $314,817,250 | 1,949 |
| Average equity | $47,190,250 | 1,681 |
| Average total loans | $204,225,500 | 2,151 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2583% | 3,767 |
| Cost of funding earning assets | 0.5123% | 4,060 |
| Net interest margin | 3.7460% | 2,771 |
| Noninterest income to average assets | 0.7514% | 1,519 |
| Noninterest expense to average assets | 2.5568% | 3,313 |
| Loan and lease loss provision to assets | 0.0913% | 2,029 |
| Net operating income to assets | 1.2336% | 2,032 |
| Return on assets (ROA) | 1.2383% | 2,066 |
| Pretax return on assets | 1.5493% | 1,703 |
| Return on Equity (ROE) | 9.0658% | 2,824 |
| Retained earnings to average equity (ytd only) | 8.4192% | 1,237 |
| Net charge-offs to loans | 0.0367% | 2,140 |
| Credit loss provision to net charge-offs | 418.9189% | 684 |
| Earnings coverage of net charge-offs (x) | 75.0270% | 856 |
| Efficiency ratio | 61.0003% | 3,577 |
| Assets per employee ($millions) | 3.9948% | 3,864 |
| Cash dividends to net income (ytd only)* | 7.1327% | 3,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0103% | 3,561 |
| Loan loss allowance to noncurrent loans | 182.0468% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.3575% | 3,104 |
| Noncurrent loans to loans | 0.5550% | 2,608 |
| Net loans and leases to total assets | 60.5663% | 3,691 |
| Net loans and leases to deposits | 72.6326% | 3,628 |
| Net loans and leases to core deposits | 75.3441% | 3,782 |
| Total domestic deposits to total assets | 83.3872% | 3,078 |
| Equity capital to assets | 14.2120% | 1,048 |
| Core capital (leverage) ratio | 12.9112% | 1,347 |
| Tier 1 risk-based capital ratio | 18.7656% | 1,609 |
| Total risk-based capital ratio | 19.6713% | 1,655 |
| Memoranda: | ||
| Average total assets | $339,645,670 | 1,966 |
| Average earning assets | $311,909,670 | 1,974 |
| Average equity | $46,394,000 | 1,702 |
| Average total loans | $201,830,670 | 2,178 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1812% | 3,924 |
| Cost of funding earning assets | 0.4837% | 4,139 |
| Net interest margin | 3.6976% | 2,901 |
| Noninterest income to average assets | 0.7760% | 1,346 |
| Noninterest expense to average assets | 2.4764% | 3,573 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3378% | 1,567 |
| Return on assets (ROA) | 1.3471% | 1,571 |
| Pretax return on assets | 1.7051% | 1,195 |
| Return on Equity (ROE) | 10.0655% | 2,344 |
| Retained earnings to average equity (ytd only) | 9.3265% | 1,216 |
| Net charge-offs to loans | 0.0020% | 2,691 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 1,438.0000% | 31 |
| Efficiency ratio | 59.3900% | 3,892 |
| Assets per employee ($millions) | 3.9771% | 3,959 |
| Cash dividends to net income (ytd only)* | 7.3427% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9963% | 3,731 |
| Loan loss allowance to noncurrent loans | 105.5437% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 0.5549% | 2,427 |
| Noncurrent loans to loans | 0.9440% | 1,772 |
| Net loans and leases to total assets | 57.5233% | 3,939 |
| Net loans and leases to deposits | 68.4639% | 3,887 |
| Net loans and leases to core deposits | 70.6428% | 4,043 |
| Total domestic deposits to total assets | 84.0199% | 3,041 |
| Equity capital to assets | 13.5420% | 1,193 |
| Core capital (leverage) ratio | 12.7149% | 1,392 |
| Tier 1 risk-based capital ratio | 19.0607% | 1,532 |
| Total risk-based capital ratio | 19.9467% | 1,572 |
| Memoranda: | ||
| Average total assets | $339,690,000 | 1,980 |
| Average earning assets | $311,773,000 | 1,993 |
| Average equity | $45,462,000 | 1,720 |
| Average total loans | $198,868,000 | 2,219 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0905% | 3,770 |
| Cost of funding earning assets | 0.3708% | 4,153 |
| Net interest margin | 3.7197% | 2,963 |
| Noninterest income to average assets | 0.7808% | 1,522 |
| Noninterest expense to average assets | 2.6196% | 3,272 |
| Loan and lease loss provision to assets | 0.0797% | 2,532 |
| Net operating income to assets | 1.2636% | 1,934 |
| Return on assets (ROA) | 1.2631% | 1,929 |
| Pretax return on assets | 1.4868% | 1,824 |
| Return on Equity (ROE) | 9.5155% | 2,738 |
| Retained earnings to average equity (ytd only) | 6.5722% | 1,884 |
| Net charge-offs to loans | 0.0225% | 2,968 |
| Credit loss provision to net charge-offs | 604.6512% | 570 |
| Earnings coverage of net charge-offs (x) | 118.9302% | 657 |
| Efficiency ratio | 61.7654% | 3,569 |
| Assets per employee ($millions) | 3.9227% | 4,005 |
| Cash dividends to net income (ytd only)* | 30.9316% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9954% | 3,733 |
| Loan loss allowance to noncurrent loans | 95.4699% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 0.6216% | 2,182 |
| Noncurrent loans to loans | 1.0427% | 1,568 |
| Net loans and leases to total assets | 58.4047% | 3,922 |
| Net loans and leases to deposits | 69.0526% | 3,900 |
| Net loans and leases to core deposits | 70.9189% | 4,064 |
| Total domestic deposits to total assets | 84.5800% | 2,807 |
| Equity capital to assets | 13.2225% | 1,244 |
| Core capital (leverage) ratio | 12.7008% | 1,374 |
| Tier 1 risk-based capital ratio | 18.4970% | 1,619 |
| Total risk-based capital ratio | 19.3792% | 1,679 |
| Memoranda: | ||
| Average total assets | $326,344,000 | 2,014 |
| Average earning assets | $298,817,200 | 2,024 |
| Average equity | $43,318,800 | 1,728 |
| Average total loans | $190,810,800 | 2,240 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0518% | 3,782 |
| Cost of funding earning assets | 0.3436% | 4,227 |
| Net interest margin | 3.7081% | 2,991 |
| Noninterest income to average assets | 0.7779% | 1,547 |
| Noninterest expense to average assets | 2.6222% | 3,222 |
| Loan and lease loss provision to assets | 0.0968% | 2,042 |
| Net operating income to assets | 1.1894% | 2,278 |
| Return on assets (ROA) | 1.1887% | 2,282 |
| Pretax return on assets | 1.4549% | 2,044 |
| Return on Equity (ROE) | 8.9461% | 3,112 |
| Retained earnings to average equity (ytd only) | 7.2313% | 2,009 |
| Net charge-offs to loans | 0.0290% | 2,519 |
| Credit loss provision to net charge-offs | 573.1707% | 623 |
| Earnings coverage of net charge-offs (x) | 91.8945% | 804 |
| Efficiency ratio | 61.7252% | 3,551 |
| Assets per employee ($millions) | 3.7512% | 4,236 |
| Cash dividends to net income (ytd only)* | 19.1680% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9924% | 3,817 |
| Loan loss allowance to noncurrent loans | 251.9949% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.2511% | 3,705 |
| Noncurrent loans to loans | 0.3938% | 3,242 |
| Net loans and leases to total assets | 60.5489% | 3,790 |
| Net loans and leases to deposits | 72.8147% | 3,696 |
| Net loans and leases to core deposits | 75.0449% | 3,876 |
| Total domestic deposits to total assets | 83.1548% | 3,246 |
| Equity capital to assets | 13.5346% | 1,122 |
| Core capital (leverage) ratio | 12.9117% | 1,321 |
| Tier 1 risk-based capital ratio | 18.4719% | 1,677 |
| Total risk-based capital ratio | 19.3536% | 1,716 |
| Memoranda: | ||
| Average total assets | $323,593,000 | 2,036 |
| Average earning assets | $296,424,250 | 2,047 |
| Average equity | $42,997,000 | 1,740 |
| Average total loans | $188,761,500 | 2,265 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9626% | 3,893 |
| Cost of funding earning assets | 0.3195% | 4,272 |
| Net interest margin | 3.6431% | 3,148 |
| Noninterest income to average assets | 0.7459% | 1,666 |
| Noninterest expense to average assets | 2.6333% | 3,211 |
| Loan and lease loss provision to assets | 0.0648% | 2,599 |
| Net operating income to assets | 1.1361% | 2,451 |
| Return on assets (ROA) | 1.1361% | 2,458 |
| Pretax return on assets | 1.3849% | 2,204 |
| Return on Equity (ROE) | 8.6032% | 3,210 |
| Retained earnings to average equity (ytd only) | 6.3682% | 2,376 |
| Net charge-offs to loans | 0.0043% | 3,021 |
| Credit loss provision to net charge-offs | 2,625.0000% | 164 |
| Earnings coverage of net charge-offs (x) | 587.0000% | 149 |
| Efficiency ratio | 63.3903% | 3,399 |
| Assets per employee ($millions) | 3.8660% | 4,107 |
| Cash dividends to net income (ytd only)* | 25.9783% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9790% | 3,960 |
| Loan loss allowance to noncurrent loans | 226.6100% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.3356% | 3,411 |
| Noncurrent loans to loans | 0.4320% | 3,149 |
| Net loans and leases to total assets | 58.7838% | 3,919 |
| Net loans and leases to deposits | 69.7819% | 3,879 |
| Net loans and leases to core deposits | 71.7526% | 4,024 |
| Total domestic deposits to total assets | 84.2393% | 2,976 |
| Equity capital to assets | 13.4043% | 1,136 |
| Core capital (leverage) ratio | 12.5307% | 1,423 |
| Tier 1 risk-based capital ratio | 18.5512% | 1,661 |
| Total risk-based capital ratio | 19.4158% | 1,713 |
| Memoranda: | ||
| Average total assets | $323,923,330 | 2,042 |
| Average earning assets | $296,726,330 | 2,062 |
| Average equity | $42,775,000 | 1,748 |
| Average total loans | $185,918,670 | 2,302 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8979% | 3,931 |
| Cost of funding earning assets | 0.2937% | 4,397 |
| Net interest margin | 3.6041% | 3,161 |
| Noninterest income to average assets | 0.7792% | 1,521 |
| Noninterest expense to average assets | 2.5049% | 3,625 |
| Loan and lease loss provision to assets | 0.0369% | 3,009 |
| Net operating income to assets | 1.2524% | 1,800 |
| Return on assets (ROA) | 1.2524% | 1,811 |
| Pretax return on assets | 1.5400% | 1,567 |
| Return on Equity (ROE) | 9.5554% | 2,656 |
| Retained earnings to average equity (ytd only) | 9.1991% | 1,397 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2529% | 4,030 |
| Assets per employee ($millions) | 3.9464% | 4,066 |
| Cash dividends to net income (ytd only)* | 3.7291% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9693% | 4,120 |
| Loan loss allowance to noncurrent loans | 154.6552% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.3831% | 3,301 |
| Noncurrent loans to loans | 0.6267% | 2,665 |
| Net loans and leases to total assets | 55.9585% | 4,126 |
| Net loans and leases to deposits | 66.1132% | 4,082 |
| Net loans and leases to core deposits | 67.9497% | 4,219 |
| Total domestic deposits to total assets | 84.6404% | 3,053 |
| Equity capital to assets | 13.0427% | 1,223 |
| Core capital (leverage) ratio | 12.3907% | 1,436 |
| Tier 1 risk-based capital ratio | 18.8346% | 1,594 |
| Total risk-based capital ratio | 19.6880% | 1,674 |
| Memoranda: | ||
| Average total assets | $325,444,500 | 2,045 |
| Average earning assets | $298,213,500 | 2,074 |
| Average equity | $42,656,500 | 1,766 |
| Average total loans | $183,632,500 | 2,336 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8417% | 3,910 |
| Cost of funding earning assets | 0.2891% | 4,229 |
| Net interest margin | 3.5525% | 3,330 |
| Noninterest income to average assets | 0.9546% | 1,127 |
| Noninterest expense to average assets | 2.5898% | 3,473 |
| Loan and lease loss provision to assets | 0.0668% | 2,871 |
| Net operating income to assets | 1.1746% | 1,599 |
| Return on assets (ROA) | 1.1843% | 1,588 |
| Pretax return on assets | 1.5637% | 1,404 |
| Return on Equity (ROE) | 9.1616% | 2,240 |
| Retained earnings to average equity (ytd only) | 6.0292% | 1,525 |
| Net charge-offs to loans | 0.0782% | 2,329 |
| Credit loss provision to net charge-offs | 154.6763% | 1,732 |
| Earnings coverage of net charge-offs (x) | 37.4532% | 1,315 |
| Efficiency ratio | 60.4653% | 4,189 |
| Assets per employee ($millions) | 3.8493% | 4,206 |
| Cash dividends to net income (ytd only)* | 34.1905% | 3,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9683% | 4,111 |
| Loan loss allowance to noncurrent loans | 160.5096% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.3708% | 3,383 |
| Noncurrent loans to loans | 0.6032% | 2,724 |
| Net loans and leases to total assets | 55.7974% | 4,207 |
| Net loans and leases to deposits | 66.0586% | 4,185 |
| Net loans and leases to core deposits | 67.9994% | 4,292 |
| Total domestic deposits to total assets | 84.4666% | 3,048 |
| Equity capital to assets | 13.1725% | 1,178 |
| Core capital (leverage) ratio | 12.0147% | 1,596 |
| Tier 1 risk-based capital ratio | 18.6379% | 1,607 |
| Total risk-based capital ratio | 19.4896% | 1,681 |
| Memoranda: | ||
| Average total assets | $321,806,000 | 2,056 |
| Average earning assets | $294,664,800 | 2,070 |
| Average equity | $41,597,600 | 1,792 |
| Average total loans | $177,720,000 | 2,358 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8113% | 3,961 |
| Cost of funding earning assets | 0.2884% | 4,238 |
| Net interest margin | 3.5229% | 3,415 |
| Noninterest income to average assets | 1.0209% | 987 |
| Noninterest expense to average assets | 2.5673% | 3,509 |
| Loan and lease loss provision to assets | 0.0560% | 2,971 |
| Net operating income to assets | 1.3280% | 1,255 |
| Return on assets (ROA) | 1.3419% | 1,241 |
| Pretax return on assets | 1.6422% | 1,270 |
| Return on Equity (ROE) | 10.4313% | 1,938 |
| Retained earnings to average equity (ytd only) | 8.4643% | 1,032 |
| Net charge-offs to loans | 0.0808% | 1,995 |
| Credit loss provision to net charge-offs | 126.1682% | 1,926 |
| Earnings coverage of net charge-offs (x) | 37.8793% | 1,356 |
| Efficiency ratio | 59.3536% | 4,314 |
| Assets per employee ($millions) | 3.8277% | 4,268 |
| Cash dividends to net income (ytd only)* | 18.8562% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9644% | 4,262 |
| Loan loss allowance to noncurrent loans | 108.6764% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 0.4998% | 3,072 |
| Noncurrent loans to loans | 0.8874% | 2,156 |
| Net loans and leases to total assets | 54.8075% | 4,337 |
| Net loans and leases to deposits | 65.0786% | 4,314 |
| Net loans and leases to core deposits | 67.4326% | 4,388 |
| Total domestic deposits to total assets | 84.2175% | 3,035 |
| Equity capital to assets | 13.4309% | 1,186 |
| Core capital (leverage) ratio | 12.3159% | 1,505 |
| Tier 1 risk-based capital ratio | 18.9372% | 1,601 |
| Total risk-based capital ratio | 19.7772% | 1,674 |
| Memoranda: | ||
| Average total assets | $321,422,250 | 2,072 |
| Average earning assets | $294,482,500 | 2,084 |
| Average equity | $41,349,000 | 1,822 |
| Average total loans | $176,605,000 | 2,379 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7735% | 3,985 |
| Cost of funding earning assets | 0.2884% | 4,206 |
| Net interest margin | 3.4851% | 3,461 |
| Noninterest income to average assets | 1.1413% | 772 |
| Noninterest expense to average assets | 2.5944% | 3,448 |
| Loan and lease loss provision to assets | 0.0840% | 2,306 |
| Net operating income to assets | 1.3941% | 1,086 |
| Return on assets (ROA) | 1.4076% | 1,077 |
| Pretax return on assets | 1.6678% | 1,132 |
| Return on Equity (ROE) | 11.1053% | 1,599 |
| Retained earnings to average equity (ytd only) | 8.2529% | 1,071 |
| Net charge-offs to loans | 0.1181% | 1,460 |
| Credit loss provision to net charge-offs | 129.8077% | 1,687 |
| Earnings coverage of net charge-offs (x) | 26.8173% | 1,559 |
| Efficiency ratio | 58.8675% | 4,479 |
| Assets per employee ($millions) | 3.8561% | 4,190 |
| Cash dividends to net income (ytd only)* | 25.6852% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9664% | 4,341 |
| Loan loss allowance to noncurrent loans | 64.8190% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 0.8374% | 2,118 |
| Noncurrent loans to loans | 1.4909% | 1,262 |
| Net loans and leases to total assets | 55.0421% | 4,307 |
| Net loans and leases to deposits | 65.2638% | 4,279 |
| Net loans and leases to core deposits | 67.8274% | 4,361 |
| Total domestic deposits to total assets | 84.3378% | 3,072 |
| Equity capital to assets | 13.2505% | 1,253 |
| Core capital (leverage) ratio | 11.8585% | 1,722 |
| Tier 1 risk-based capital ratio | 18.4270% | 1,738 |
| Total risk-based capital ratio | 19.2669% | 1,807 |
| Memoranda: | ||
| Average total assets | $321,387,330 | 2,073 |
| Average earning assets | $294,053,670 | 2,094 |
| Average equity | $40,737,330 | 1,841 |
| Average total loans | $176,161,000 | 2,379 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7309% | 4,000 |
| Cost of funding earning assets | 0.2888% | 4,158 |
| Net interest margin | 3.4421% | 3,474 |
| Noninterest income to average assets | 0.7812% | 1,618 |
| Noninterest expense to average assets | 2.4692% | 3,908 |
| Loan and lease loss provision to assets | 0.0435% | 2,929 |
| Net operating income to assets | 1.0806% | 1,946 |
| Return on assets (ROA) | 1.0806% | 1,991 |
| Pretax return on assets | 1.4072% | 1,866 |
| Return on Equity (ROE) | 8.7215% | 2,556 |
| Retained earnings to average equity (ytd only) | 8.1601% | 1,391 |
| Net charge-offs to loans | 0.2191% | 811 |
| Credit loss provision to net charge-offs | 36.4583% | 2,084 |
| Earnings coverage of net charge-offs (x) | 12.1667% | 1,850 |
| Efficiency ratio | 61.8188% | 4,177 |
| Assets per employee ($millions) | 3.9052% | 4,174 |
| Cash dividends to net income (ytd only)* | 6.4368% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9338% | 4,624 |
| Loan loss allowance to noncurrent loans | 131.2097% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 0.3912% | 3,635 |
| Noncurrent loans to loans | 0.7117% | 2,717 |
| Net loans and leases to total assets | 53.2544% | 4,398 |
| Net loans and leases to deposits | 62.6035% | 4,397 |
| Net loans and leases to core deposits | 64.8900% | 4,495 |
| Total domestic deposits to total assets | 85.0662% | 3,058 |
| Equity capital to assets | 12.4826% | 1,549 |
| Core capital (leverage) ratio | 11.5331% | 1,918 |
| Tier 1 risk-based capital ratio | 18.1053% | 1,836 |
| Total risk-based capital ratio | 18.9054% | 1,944 |
| Memoranda: | ||
| Average total assets | $322,052,500 | 2,086 |
| Average earning assets | $293,654,000 | 2,110 |
| Average equity | $39,901,500 | 1,869 |
| Average total loans | $175,299,000 | 2,402 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7947% | 3,931 |
| Cost of funding earning assets | 0.2982% | 4,084 |
| Net interest margin | 3.4964% | 3,444 |
| Noninterest income to average assets | 0.7814% | 1,824 |
| Noninterest expense to average assets | 2.5622% | 3,805 |
| Loan and lease loss provision to assets | 0.0345% | 3,671 |
| Net operating income to assets | 1.0757% | 2,010 |
| Return on assets (ROA) | 1.0727% | 2,126 |
| Pretax return on assets | 1.3722% | 2,038 |
| Return on Equity (ROE) | 8.6278% | 2,599 |
| Retained earnings to average equity (ytd only) | 6.6657% | 1,374 |
| Net charge-offs to loans | 0.0746% | 2,634 |
| Credit loss provision to net charge-offs | 83.3333% | 2,922 |
| Earnings coverage of net charge-offs (x) | 34.0758% | 1,326 |
| Efficiency ratio | 63.3357% | 4,051 |
| Assets per employee ($millions) | 3.9021% | 4,137 |
| Cash dividends to net income (ytd only)* | 22.7419% | 3,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9571% | 4,544 |
| Loan loss allowance to noncurrent loans | 91.7890% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 0.5866% | 2,972 |
| Noncurrent loans to loans | 1.0428% | 1,994 |
| Net loans and leases to total assets | 54.5885% | 4,387 |
| Net loans and leases to deposits | 64.0677% | 4,410 |
| Net loans and leases to core deposits | 66.3399% | 4,507 |
| Total domestic deposits to total assets | 85.2044% | 2,955 |
| Equity capital to assets | 12.2957% | 1,634 |
| Core capital (leverage) ratio | 11.2230% | 2,145 |
| Tier 1 risk-based capital ratio | 17.5078% | 2,006 |
| Total risk-based capital ratio | 18.3281% | 2,083 |
| Memoranda: | ||
| Average total assets | $318,909,600 | 2,065 |
| Average earning assets | $291,067,400 | 2,095 |
| Average equity | $39,650,800 | 1,859 |
| Average total loans | $177,044,800 | 2,342 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7722% | 4,011 |
| Cost of funding earning assets | 0.2986% | 4,117 |
| Net interest margin | 3.4736% | 3,568 |
| Noninterest income to average assets | 0.7553% | 1,945 |
| Noninterest expense to average assets | 2.5754% | 3,744 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0462% | 2,213 |
| Return on assets (ROA) | 1.0423% | 2,358 |
| Pretax return on assets | 1.3486% | 2,244 |
| Return on Equity (ROE) | 8.3600% | 2,826 |
| Retained earnings to average equity (ytd only) | 7.9506% | 1,194 |
| Net charge-offs to loans | 0.0143% | 3,455 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 170.2815% | 426 |
| Efficiency ratio | 64.3770% | 3,877 |
| Assets per employee ($millions) | 3.7905% | 4,322 |
| Cash dividends to net income (ytd only)* | 4.8976% | 3,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9455% | 4,682 |
| Loan loss allowance to noncurrent loans | 86.0560% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 0.6259% | 3,036 |
| Noncurrent loans to loans | 1.0987% | 2,057 |
| Net loans and leases to total assets | 55.6398% | 4,345 |
| Net loans and leases to deposits | 65.8100% | 4,365 |
| Net loans and leases to core deposits | 68.5119% | 4,426 |
| Total domestic deposits to total assets | 84.5461% | 3,010 |
| Equity capital to assets | 12.9115% | 1,535 |
| Core capital (leverage) ratio | 11.5095% | 2,025 |
| Tier 1 risk-based capital ratio | 17.4626% | 2,095 |
| Total risk-based capital ratio | 18.2890% | 2,172 |
| Memoranda: | ||
| Average total assets | $318,643,500 | 2,072 |
| Average earning assets | $291,137,250 | 2,096 |
| Average equity | $39,727,750 | 1,869 |
| Average total loans | $177,216,750 | 2,343 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7568% | 4,107 |
| Cost of funding earning assets | 0.2984% | 4,150 |
| Net interest margin | 3.4584% | 3,648 |
| Noninterest income to average assets | 0.7737% | 1,830 |
| Noninterest expense to average assets | 2.5338% | 3,933 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0745% | 2,070 |
| Return on assets (ROA) | 1.0837% | 2,151 |
| Pretax return on assets | 1.4156% | 1,966 |
| Return on Equity (ROE) | 8.7962% | 2,588 |
| Retained earnings to average equity (ytd only) | 8.3174% | 1,066 |
| Net charge-offs to loans | 0.0215% | 3,063 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 117.7368% | 498 |
| Efficiency ratio | 63.1873% | 4,158 |
| Assets per employee ($millions) | 3.8039% | 4,257 |
| Cash dividends to net income (ytd only)* | 5.4430% | 3,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9512% | 4,754 |
| Loan loss allowance to noncurrent loans | 87.2999% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 0.6159% | 3,165 |
| Noncurrent loans to loans | 1.0896% | 2,109 |
| Net loans and leases to total assets | 55.1073% | 4,403 |
| Net loans and leases to deposits | 65.0602% | 4,409 |
| Net loans and leases to core deposits | 66.8917% | 4,549 |
| Total domestic deposits to total assets | 84.7019% | 3,002 |
| Equity capital to assets | 12.6685% | 1,677 |
| Core capital (leverage) ratio | 11.0714% | 2,363 |
| Tier 1 risk-based capital ratio | 17.2186% | 2,149 |
| Total risk-based capital ratio | 18.0511% | 2,258 |
| Memoranda: | ||
| Average total assets | $318,725,330 | 2,081 |
| Average earning assets | $291,578,330 | 2,105 |
| Average equity | $39,267,000 | 1,888 |
| Average total loans | $176,673,330 | 2,344 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7371% | 4,182 |
| Cost of funding earning assets | 0.2998% | 4,165 |
| Net interest margin | 3.4372% | 3,731 |
| Noninterest income to average assets | 0.8017% | 1,609 |
| Noninterest expense to average assets | 2.5785% | 3,817 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0459% | 2,100 |
| Return on assets (ROA) | 1.0643% | 2,146 |
| Pretax return on assets | 1.3873% | 1,937 |
| Return on Equity (ROE) | 8.7634% | 2,534 |
| Retained earnings to average equity (ytd only) | 8.7634% | 1,184 |
| Net charge-offs to loans | 0.0454% | 2,110 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 54.2500% | 831 |
| Efficiency ratio | 64.2333% | 4,085 |
| Assets per employee ($millions) | 3.8377% | 4,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9602% | 4,805 |
| Loan loss allowance to noncurrent loans | 84.6269% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 0.6480% | 3,112 |
| Noncurrent loans to loans | 1.1347% | 2,131 |
| Net loans and leases to total assets | 54.7227% | 4,379 |
| Net loans and leases to deposits | 64.2904% | 4,419 |
| Net loans and leases to core deposits | 66.6330% | 4,494 |
| Total domestic deposits to total assets | 85.1180% | 3,083 |
| Equity capital to assets | 12.3240% | 1,808 |
| Core capital (leverage) ratio | 10.8497% | 2,570 |
| Tier 1 risk-based capital ratio | 16.8334% | 2,352 |
| Total risk-based capital ratio | 17.6661% | 2,466 |
| Memoranda: | ||
| Average total assets | $318,326,000 | 2,093 |
| Average earning assets | $290,814,000 | 2,121 |
| Average equity | $38,661,000 | 1,908 |
| Average total loans | $176,124,000 | 2,351 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7388% | 4,235 |
| Cost of funding earning assets | 0.3184% | 4,055 |
| Net interest margin | 3.4204% | 3,836 |
| Noninterest income to average assets | 0.8403% | 1,642 |
| Noninterest expense to average assets | 2.7083% | 3,555 |
| Loan and lease loss provision to assets | 0.0677% | 2,938 |
| Net operating income to assets | 0.9181% | 2,768 |
| Return on assets (ROA) | 0.9616% | 2,645 |
| Pretax return on assets | 1.2461% | 2,483 |
| Return on Equity (ROE) | 8.0655% | 2,930 |
| Retained earnings to average equity (ytd only) | 6.5071% | 1,538 |
| Net charge-offs to loans | 0.0183% | 3,917 |
| Credit loss provision to net charge-offs | 677.4194% | 496 |
| Earnings coverage of net charge-offs (x) | 125.7419% | 482 |
| Efficiency ratio | 67.0978% | 3,730 |
| Assets per employee ($millions) | 3.7872% | 4,309 |
| Cash dividends to net income (ytd only)* | 19.3224% | 3,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9702% | 4,768 |
| Loan loss allowance to noncurrent loans | 119.5804% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 0.4495% | 3,816 |
| Noncurrent loans to loans | 0.8113% | 2,757 |
| Net loans and leases to total assets | 54.8657% | 4,409 |
| Net loans and leases to deposits | 64.1968% | 4,459 |
| Net loans and leases to core deposits | 66.8861% | 4,516 |
| Total domestic deposits to total assets | 85.4649% | 2,880 |
| Equity capital to assets | 11.9660% | 1,979 |
| Core capital (leverage) ratio | 10.6279% | 2,800 |
| Tier 1 risk-based capital ratio | 16.4486% | 2,510 |
| Total risk-based capital ratio | 17.2913% | 2,612 |
| Memoranda: | ||
| Average total assets | $310,010,000 | 2,090 |
| Average earning assets | $283,269,400 | 2,115 |
| Average equity | $36,959,800 | 1,929 |
| Average total loans | $169,760,200 | 2,357 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7247% | 4,346 |
| Cost of funding earning assets | 0.3220% | 4,080 |
| Net interest margin | 3.4027% | 3,946 |
| Noninterest income to average assets | 0.8260% | 1,702 |
| Noninterest expense to average assets | 2.7044% | 3,551 |
| Loan and lease loss provision to assets | 0.0671% | 2,837 |
| Net operating income to assets | 0.9001% | 2,961 |
| Return on assets (ROA) | 0.9585% | 2,763 |
| Pretax return on assets | 1.2407% | 2,646 |
| Return on Equity (ROE) | 8.0471% | 3,051 |
| Retained earnings to average equity (ytd only) | 8.0471% | 1,229 |
| Net charge-offs to loans | 0.0079% | 3,895 |
| Credit loss provision to net charge-offs | 1,550.0000% | 229 |
| Earnings coverage of net charge-offs (x) | 284.6639% | 250 |
| Efficiency ratio | 67.4915% | 3,631 |
| Assets per employee ($millions) | 3.6389% | 4,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9577% | 4,946 |
| Loan loss allowance to noncurrent loans | 118.5290% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 0.4572% | 3,969 |
| Noncurrent loans to loans | 0.8080% | 2,948 |
| Net loans and leases to total assets | 56.0366% | 4,352 |
| Net loans and leases to deposits | 65.7391% | 4,404 |
| Net loans and leases to core deposits | 68.3911% | 4,512 |
| Total domestic deposits to total assets | 85.2409% | 2,913 |
| Equity capital to assets | 12.1957% | 1,966 |
| Core capital (leverage) ratio | 10.9212% | 2,572 |
| Tier 1 risk-based capital ratio | 16.5359% | 2,553 |
| Total risk-based capital ratio | 17.3714% | 2,697 |
| Memoranda: | ||
| Average total assets | $307,981,000 | 2,116 |
| Average earning assets | $281,536,250 | 2,138 |
| Average equity | $36,683,000 | 1,960 |
| Average total loans | $168,137,250 | 2,390 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6558% | 4,556 |
| Cost of funding earning assets | 0.3309% | 4,042 |
| Net interest margin | 3.3250% | 4,190 |
| Noninterest income to average assets | 0.8253% | 1,677 |
| Noninterest expense to average assets | 2.6507% | 3,744 |
| Loan and lease loss provision to assets | 0.0553% | 3,004 |
| Net operating income to assets | 0.8866% | 2,956 |
| Return on assets (ROA) | 0.9742% | 2,626 |
| Pretax return on assets | 1.2720% | 2,463 |
| Return on Equity (ROE) | 8.2451% | 2,915 |
| Retained earnings to average equity (ytd only) | 8.2451% | 1,168 |
| Net charge-offs to loans | -0.0012% | 4,558 |
| Credit loss provision to net charge-offs | -8,500.0000% | 5,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3679% | 3,776 |
| Assets per employee ($millions) | 3.5742% | 4,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9572% | 5,068 |
| Loan loss allowance to noncurrent loans | 113.3146% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 0.4697% | 4,053 |
| Noncurrent loans to loans | 0.8447% | 3,012 |
| Net loans and leases to total assets | 55.0708% | 4,446 |
| Net loans and leases to deposits | 64.6166% | 4,474 |
| Net loans and leases to core deposits | 66.8493% | 4,582 |
| Total domestic deposits to total assets | 85.2270% | 3,030 |
| Equity capital to assets | 12.1000% | 1,948 |
| Core capital (leverage) ratio | 10.7059% | 2,727 |
| Tier 1 risk-based capital ratio | 16.5956% | 2,570 |
| Total risk-based capital ratio | 17.4228% | 2,723 |
| Memoranda: | ||
| Average total assets | $307,539,000 | 2,139 |
| Average earning assets | $281,084,330 | 2,157 |
| Average equity | $36,336,670 | 1,980 |
| Average total loans | $165,849,330 | 2,420 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5972% | 4,702 |
| Cost of funding earning assets | 0.3708% | 3,639 |
| Net interest margin | 3.2265% | 4,496 |
| Noninterest income to average assets | 0.8261% | 1,616 |
| Noninterest expense to average assets | 2.6852% | 3,644 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8222% | 3,144 |
| Return on assets (ROA) | 0.9942% | 2,424 |
| Pretax return on assets | 1.3148% | 2,218 |
| Return on Equity (ROE) | 8.5150% | 2,688 |
| Retained earnings to average equity (ytd only) | 8.5150% | 1,371 |
| Net charge-offs to loans | -0.0170% | 4,968 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8869% | 3,505 |
| Assets per employee ($millions) | 3.6117% | 4,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9428% | 5,276 |
| Loan loss allowance to noncurrent loans | 95.4094% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 0.5251% | 3,920 |
| Noncurrent loans to loans | 0.9881% | 2,793 |
| Net loans and leases to total assets | 52.6385% | 4,596 |
| Net loans and leases to deposits | 61.6711% | 4,603 |
| Net loans and leases to core deposits | 63.6975% | 4,726 |
| Total domestic deposits to total assets | 85.3536% | 3,243 |
| Equity capital to assets | 11.9230% | 2,082 |
| Core capital (leverage) ratio | 10.3245% | 3,192 |
| Tier 1 risk-based capital ratio | 16.8682% | 2,533 |
| Total risk-based capital ratio | 17.6867% | 2,656 |
| Memoranda: | ||
| Average total assets | $309,403,000 | 2,137 |
| Average earning assets | $282,662,500 | 2,157 |
| Average equity | $36,124,500 | 2,003 |
| Average total loans | $164,310,000 | 2,442 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6880% | 4,821 |
| Cost of funding earning assets | 0.4587% | 3,089 |
| Net interest margin | 3.2293% | 4,832 |
| Noninterest income to average assets | 0.7659% | 2,012 |
| Noninterest expense to average assets | 2.5083% | 4,522 |
| Loan and lease loss provision to assets | 0.0420% | 3,738 |
| Net operating income to assets | 0.9087% | 2,831 |
| Return on assets (ROA) | 0.9158% | 2,893 |
| Pretax return on assets | 1.1708% | 2,777 |
| Return on Equity (ROE) | 8.2237% | 3,008 |
| Retained earnings to average equity (ytd only) | 4.2279% | 3,181 |
| Net charge-offs to loans | 0.0069% | 4,788 |
| Credit loss provision to net charge-offs | 1,181.8182% | 242 |
| Earnings coverage of net charge-offs (x) | 338.9091% | 160 |
| Efficiency ratio | 66.2926% | 4,199 |
| Assets per employee ($millions) | 3.7120% | 4,504 |
| Cash dividends to net income (ytd only)* | 48.5896% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9252% | 5,385 |
| Loan loss allowance to noncurrent loans | 107.8929% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 0.4551% | 4,296 |
| Noncurrent loans to loans | 0.8575% | 3,172 |
| Net loans and leases to total assets | 52.5811% | 4,731 |
| Net loans and leases to deposits | 61.2778% | 4,784 |
| Net loans and leases to core deposits | 64.8364% | 4,768 |
| Total domestic deposits to total assets | 85.8077% | 2,943 |
| Equity capital to assets | 11.4320% | 2,491 |
| Core capital (leverage) ratio | 9.7873% | 3,849 |
| Tier 1 risk-based capital ratio | 16.6056% | 2,670 |
| Total risk-based capital ratio | 17.4369% | 2,808 |
| Memoranda: | ||
| Average total assets | $309,690,000 | 2,099 |
| Average earning assets | $282,540,000 | 2,107 |
| Average equity | $34,485,600 | 2,023 |
| Average total loans | $160,143,600 | 2,421 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6530% | 4,992 |
| Cost of funding earning assets | 0.4595% | 3,153 |
| Net interest margin | 3.1936% | 4,989 |
| Noninterest income to average assets | 0.7651% | 2,030 |
| Noninterest expense to average assets | 2.5505% | 4,360 |
| Loan and lease loss provision to assets | 0.0259% | 3,891 |
| Net operating income to assets | 0.8760% | 3,042 |
| Return on assets (ROA) | 0.8781% | 3,126 |
| Pretax return on assets | 1.1049% | 3,163 |
| Return on Equity (ROE) | 7.9385% | 3,243 |
| Retained earnings to average equity (ytd only) | 4.9401% | 3,118 |
| Net charge-offs to loans | -0.0076% | 5,369 |
| Credit loss provision to net charge-offs | -666.6667% | 5,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0422% | 3,842 |
| Assets per employee ($millions) | 3.7177% | 4,457 |
| Cash dividends to net income (ytd only)* | 37.7702% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9209% | 5,529 |
| Loan loss allowance to noncurrent loans | 100.4068% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 0.4780% | 4,462 |
| Noncurrent loans to loans | 0.9172% | 3,270 |
| Net loans and leases to total assets | 51.6361% | 4,843 |
| Net loans and leases to deposits | 60.1618% | 4,920 |
| Net loans and leases to core deposits | 63.5797% | 4,917 |
| Total domestic deposits to total assets | 85.8287% | 2,941 |
| Equity capital to assets | 11.4254% | 2,554 |
| Core capital (leverage) ratio | 10.0041% | 3,678 |
| Tier 1 risk-based capital ratio | 16.8967% | 2,653 |
| Total risk-based capital ratio | 17.7211% | 2,776 |
| Memoranda: | ||
| Average total assets | $309,160,000 | 2,115 |
| Average earning assets | $282,060,750 | 2,126 |
| Average equity | $34,195,500 | 2,044 |
| Average total loans | $158,808,500 | 2,455 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6387% | 5,043 |
| Cost of funding earning assets | 0.4597% | 3,218 |
| Net interest margin | 3.1790% | 5,014 |
| Noninterest income to average assets | 0.7764% | 1,932 |
| Noninterest expense to average assets | 2.5479% | 4,424 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8878% | 2,873 |
| Return on assets (ROA) | 0.8909% | 2,954 |
| Pretax return on assets | 1.1294% | 2,980 |
| Return on Equity (ROE) | 8.1436% | 3,019 |
| Retained earnings to average equity (ytd only) | 4.0423% | 3,604 |
| Net charge-offs to loans | -0.0114% | 5,355 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0570% | 3,996 |
| Assets per employee ($millions) | 3.7989% | 4,255 |
| Cash dividends to net income (ytd only)* | 50.3628% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8930% | 5,741 |
| Loan loss allowance to noncurrent loans | 162.4000% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.2809% | 5,242 |
| Noncurrent loans to loans | 0.5499% | 4,366 |
| Net loans and leases to total assets | 50.6247% | 4,896 |
| Net loans and leases to deposits | 58.7970% | 4,973 |
| Net loans and leases to core deposits | 62.4203% | 4,937 |
| Total domestic deposits to total assets | 86.1008% | 2,995 |
| Equity capital to assets | 11.1012% | 2,790 |
| Core capital (leverage) ratio | 9.6850% | 4,065 |
| Tier 1 risk-based capital ratio | 16.7569% | 2,724 |
| Total risk-based capital ratio | 17.5577% | 2,873 |
| Memoranda: | ||
| Average total assets | $309,357,670 | 2,108 |
| Average earning assets | $281,913,000 | 2,122 |
| Average equity | $33,842,330 | 2,051 |
| Average total loans | $158,140,330 | 2,474 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5989% | 5,172 |
| Cost of funding earning assets | 0.4563% | 3,360 |
| Net interest margin | 3.1426% | 5,110 |
| Noninterest income to average assets | 0.8161% | 1,689 |
| Noninterest expense to average assets | 2.6495% | 4,114 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8255% | 3,027 |
| Return on assets (ROA) | 0.8317% | 3,065 |
| Pretax return on assets | 1.0341% | 3,194 |
| Return on Equity (ROE) | 7.6599% | 3,115 |
| Retained earnings to average equity (ytd only) | 5.9750% | 2,558 |
| Net charge-offs to loans | -0.0178% | 5,300 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7730% | 3,690 |
| Assets per employee ($millions) | 3.7436% | 4,436 |
| Cash dividends to net income (ytd only)* | 21.9969% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9255% | 5,785 |
| Loan loss allowance to noncurrent loans | 216.6412% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.2346% | 5,499 |
| Noncurrent loans to loans | 0.4272% | 4,863 |
| Net loans and leases to total assets | 48.8887% | 5,017 |
| Net loans and leases to deposits | 56.5717% | 5,065 |
| Net loans and leases to core deposits | 59.9773% | 5,038 |
| Total domestic deposits to total assets | 86.4190% | 3,152 |
| Equity capital to assets | 10.9120% | 2,807 |
| Core capital (leverage) ratio | 9.7369% | 3,942 |
| Tier 1 risk-based capital ratio | 17.2797% | 2,561 |
| Total risk-based capital ratio | 18.1105% | 2,709 |
| Memoranda: | ||
| Average total assets | $308,282,500 | 2,121 |
| Average earning assets | $280,534,000 | 2,142 |
| Average equity | $33,473,000 | 2,062 |
| Average total loans | $157,650,000 | 2,492 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7050% | 5,117 |
| Cost of funding earning assets | 0.5293% | 3,294 |
| Net interest margin | 3.1757% | 5,078 |
| Noninterest income to average assets | 0.7808% | 2,163 |
| Noninterest expense to average assets | 2.5903% | 4,496 |
| Loan and lease loss provision to assets | 0.0786% | 3,536 |
| Net operating income to assets | 0.8025% | 3,280 |
| Return on assets (ROA) | 0.8025% | 3,380 |
| Pretax return on assets | 0.9852% | 3,414 |
| Return on Equity (ROE) | 7.1811% | 3,461 |
| Retained earnings to average equity (ytd only) | 2.5754% | 4,419 |
| Net charge-offs to loans | 0.3217% | 2,075 |
| Credit loss provision to net charge-offs | 46.5347% | 3,899 |
| Earnings coverage of net charge-offs (x) | 6.2950% | 3,092 |
| Efficiency ratio | 69.5393% | 3,914 |
| Assets per employee ($millions) | 3.6849% | 4,517 |
| Cash dividends to net income (ytd only)* | 64.1368% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8718% | 6,002 |
| Loan loss allowance to noncurrent loans | 178.9607% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.2822% | 5,409 |
| Noncurrent loans to loans | 0.4871% | 4,779 |
| Net loans and leases to total assets | 52.4979% | 4,787 |
| Net loans and leases to deposits | 60.4142% | 4,906 |
| Net loans and leases to core deposits | 63.9581% | 4,872 |
| Total domestic deposits to total assets | 86.8965% | 2,781 |
| Equity capital to assets | 10.8029% | 2,812 |
| Core capital (leverage) ratio | 9.7207% | 3,960 |
| Tier 1 risk-based capital ratio | 16.1259% | 3,046 |
| Total risk-based capital ratio | 16.9116% | 3,231 |
| Memoranda: | ||
| Average total assets | $298,812,400 | 2,152 |
| Average earning assets | $270,362,600 | 2,176 |
| Average equity | $33,393,200 | 2,063 |
| Average total loans | $156,975,600 | 2,464 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6866% | 5,196 |
| Cost of funding earning assets | 0.5458% | 3,308 |
| Net interest margin | 3.1408% | 5,189 |
| Noninterest income to average assets | 0.7370% | 2,428 |
| Noninterest expense to average assets | 2.6558% | 4,177 |
| Loan and lease loss provision to assets | 0.0875% | 3,311 |
| Net operating income to assets | 0.7150% | 3,784 |
| Return on assets (ROA) | 0.7150% | 3,914 |
| Pretax return on assets | 0.8348% | 4,166 |
| Return on Equity (ROE) | 6.3437% | 4,012 |
| Retained earnings to average equity (ytd only) | 2.9827% | 4,542 |
| Net charge-offs to loans | 0.3459% | 1,818 |
| Credit loss provision to net charge-offs | 48.2673% | 3,552 |
| Earnings coverage of net charge-offs (x) | 5.0867% | 3,284 |
| Efficiency ratio | 72.8424% | 3,252 |
| Assets per employee ($millions) | 3.3259% | 5,237 |
| Cash dividends to net income (ytd only)* | 52.9819% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9230% | 5,993 |
| Loan loss allowance to noncurrent loans | 113.9211% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.4368% | 5,123 |
| Noncurrent loans to loans | 0.8103% | 4,214 |
| Net loans and leases to total assets | 53.4131% | 4,698 |
| Net loans and leases to deposits | 61.6863% | 4,800 |
| Net loans and leases to core deposits | 65.6825% | 4,741 |
| Total domestic deposits to total assets | 86.5882% | 2,917 |
| Equity capital to assets | 11.0882% | 2,682 |
| Core capital (leverage) ratio | 9.9098% | 3,801 |
| Tier 1 risk-based capital ratio | 16.3567% | 3,011 |
| Total risk-based capital ratio | 17.1924% | 3,178 |
| Memoranda: | ||
| Average total assets | $297,054,750 | 2,173 |
| Average earning assets | $268,712,750 | 2,197 |
| Average equity | $33,481,500 | 2,080 |
| Average total loans | $155,726,250 | 2,489 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6736% | 5,227 |
| Cost of funding earning assets | 0.5404% | 3,501 |
| Net interest margin | 3.1332% | 5,179 |
| Noninterest income to average assets | 0.7465% | 2,431 |
| Noninterest expense to average assets | 2.6261% | 4,294 |
| Loan and lease loss provision to assets | 0.1143% | 2,904 |
| Net operating income to assets | 0.7149% | 3,740 |
| Return on assets (ROA) | 0.7149% | 3,909 |
| Pretax return on assets | 0.8366% | 4,170 |
| Return on Equity (ROE) | 6.3084% | 3,987 |
| Retained earnings to average equity (ytd only) | 6.3084% | 2,256 |
| Net charge-offs to loans | 0.5102% | 1,286 |
| Credit loss provision to net charge-offs | 43.1472% | 3,357 |
| Earnings coverage of net charge-offs (x) | 3.5888% | 3,354 |
| Efficiency ratio | 72.0436% | 3,459 |
| Assets per employee ($millions) | 3.3490% | 5,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9320% | 6,040 |
| Loan loss allowance to noncurrent loans | 158.4783% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.3261% | 5,494 |
| Noncurrent loans to loans | 0.5881% | 4,784 |
| Net loans and leases to total assets | 51.9969% | 4,867 |
| Net loans and leases to deposits | 60.1574% | 4,964 |
| Net loans and leases to core deposits | 64.0735% | 4,886 |
| Total domestic deposits to total assets | 86.4349% | 3,147 |
| Equity capital to assets | 11.2196% | 2,543 |
| Core capital (leverage) ratio | 9.8226% | 3,767 |
| Tier 1 risk-based capital ratio | 16.7781% | 2,798 |
| Total risk-based capital ratio | 17.6185% | 2,961 |
| Memoranda: | ||
| Average total assets | $297,403,670 | 2,179 |
| Average earning assets | $268,674,670 | 2,200 |
| Average equity | $33,701,330 | 2,071 |
| Average total loans | $154,441,670 | 2,514 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7038% | 5,149 |
| Cost of funding earning assets | 0.5370% | 3,705 |
| Net interest margin | 3.1667% | 5,038 |
| Noninterest income to average assets | 0.7715% | 2,250 |
| Noninterest expense to average assets | 2.7616% | 3,825 |
| Loan and lease loss provision to assets | 0.2289% | 1,602 |
| Net operating income to assets | 0.5965% | 4,235 |
| Return on assets (ROA) | 0.5965% | 4,383 |
| Pretax return on assets | 0.6315% | 4,832 |
| Return on Equity (ROE) | 5.2377% | 4,438 |
| Retained earnings to average equity (ytd only) | 5.2377% | 3,089 |
| Net charge-offs to loans | 1.0193% | 601 |
| Credit loss provision to net charge-offs | 43.4783% | 2,705 |
| Earnings coverage of net charge-offs (x) | 1.6343% | 3,287 |
| Efficiency ratio | 74.8699% | 3,113 |
| Assets per employee ($millions) | 3.3886% | 5,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9619% | 6,098 |
| Loan loss allowance to noncurrent loans | 212.9738% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.2447% | 5,841 |
| Noncurrent loans to loans | 0.4516% | 5,293 |
| Net loans and leases to total assets | 49.8811% | 5,009 |
| Net loans and leases to deposits | 56.8156% | 5,160 |
| Net loans and leases to core deposits | 60.2433% | 5,118 |
| Total domestic deposits to total assets | 87.7947% | 2,461 |
| Equity capital to assets | 11.2440% | 2,683 |
| Core capital (leverage) ratio | 9.7588% | 3,722 |
| Tier 1 risk-based capital ratio | 16.8218% | 2,848 |
| Total risk-based capital ratio | 17.6856% | 2,994 |
| Memoranda: | ||
| Average total assets | $297,076,500 | 2,208 |
| Average earning assets | $267,403,500 | 2,233 |
| Average equity | $33,831,500 | 2,086 |
| Average total loans | $153,443,000 | 2,530 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2399% | 4,438 |
| Cost of funding earning assets | 0.6546% | 3,875 |
| Net interest margin | 3.5852% | 4,152 |
| Noninterest income to average assets | 0.7836% | 2,335 |
| Noninterest expense to average assets | 2.6591% | 4,545 |
| Loan and lease loss provision to assets | 0.1922% | 3,232 |
| Net operating income to assets | 0.8723% | 2,948 |
| Return on assets (ROA) | 0.9668% | 2,713 |
| Pretax return on assets | 1.2313% | 2,676 |
| Return on Equity (ROE) | 8.4029% | 2,915 |
| Retained earnings to average equity (ytd only) | 6.6956% | 1,720 |
| Net charge-offs to loans | 0.0132% | 5,734 |
| Credit loss provision to net charge-offs | 2,750.0000% | 88 |
| Earnings coverage of net charge-offs (x) | 186.5500% | 222 |
| Efficiency ratio | 65.4467% | 4,613 |
| Assets per employee ($millions) | 3.4020% | 5,211 |
| Cash dividends to net income (ytd only)* | 20.3181% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0852% | 5,613 |
| Loan loss allowance to noncurrent loans | 158.3804% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.3808% | 5,546 |
| Noncurrent loans to loans | 0.6852% | 4,827 |
| Net loans and leases to total assets | 52.4011% | 4,866 |
| Net loans and leases to deposits | 59.9694% | 5,027 |
| Net loans and leases to core deposits | 63.7042% | 4,992 |
| Total domestic deposits to total assets | 87.3798% | 2,591 |
| Equity capital to assets | 11.5367% | 2,408 |
| Core capital (leverage) ratio | 9.7571% | 3,715 |
| Tier 1 risk-based capital ratio | 16.2355% | 3,033 |
| Total risk-based capital ratio | 17.2118% | 3,143 |
| Memoranda: | ||
| Average total assets | $286,109,800 | 2,229 |
| Average earning assets | $253,735,000 | 2,282 |
| Average equity | $32,917,200 | 2,094 |
| Average total loans | $151,648,800 | 2,547 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3218% | 4,360 |
| Cost of funding earning assets | 0.6760% | 3,969 |
| Net interest margin | 3.6458% | 4,019 |
| Noninterest income to average assets | 0.8033% | 2,225 |
| Noninterest expense to average assets | 2.7407% | 4,209 |
| Loan and lease loss provision to assets | 0.1125% | 4,159 |
| Net operating income to assets | 0.9128% | 2,917 |
| Return on assets (ROA) | 1.0362% | 2,558 |
| Pretax return on assets | 1.3432% | 2,437 |
| Return on Equity (ROE) | 9.0128% | 2,796 |
| Retained earnings to average equity (ytd only) | 9.0128% | 1,225 |
| Net charge-offs to loans | 0.0168% | 5,449 |
| Credit loss provision to net charge-offs | 1,263.1579% | 217 |
| Earnings coverage of net charge-offs (x) | 145.4891% | 307 |
| Efficiency ratio | 66.1519% | 4,420 |
| Assets per employee ($millions) | 3.2715% | 5,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8820% | 6,423 |
| Loan loss allowance to noncurrent loans | 385.6742% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.1627% | 6,293 |
| Noncurrent loans to loans | 0.2287% | 6,038 |
| Net loans and leases to total assets | 54.2080% | 4,723 |
| Net loans and leases to deposits | 62.1989% | 4,950 |
| Net loans and leases to core deposits | 66.4396% | 4,908 |
| Total domestic deposits to total assets | 87.1528% | 2,584 |
| Equity capital to assets | 11.9249% | 2,328 |
| Core capital (leverage) ratio | 9.9923% | 3,558 |
| Tier 1 risk-based capital ratio | 16.2658% | 3,124 |
| Total risk-based capital ratio | 17.0650% | 3,332 |
| Memoranda: | ||
| Average total assets | $284,494,750 | 2,264 |
| Average earning assets | $252,266,500 | 2,329 |
| Average equity | $32,708,250 | 2,126 |
| Average total loans | $150,813,000 | 2,591 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3612% | 4,340 |
| Cost of funding earning assets | 0.6916% | 4,080 |
| Net interest margin | 3.6696% | 3,957 |
| Noninterest income to average assets | 0.8177% | 2,104 |
| Noninterest expense to average assets | 2.7196% | 4,328 |
| Loan and lease loss provision to assets | 0.1406% | 3,758 |
| Net operating income to assets | 0.9283% | 2,769 |
| Return on assets (ROA) | 1.0603% | 2,437 |
| Pretax return on assets | 1.3879% | 2,245 |
| Return on Equity (ROE) | 9.3382% | 2,654 |
| Retained earnings to average equity (ytd only) | 9.3382% | 1,161 |
| Net charge-offs to loans | 0.0174% | 5,170 |
| Credit loss provision to net charge-offs | 1,538.4615% | 214 |
| Earnings coverage of net charge-offs (x) | 148.2308% | 303 |
| Efficiency ratio | 64.8835% | 4,737 |
| Assets per employee ($millions) | 3.2142% | 5,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8830% | 6,501 |
| Loan loss allowance to noncurrent loans | 801.7964% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.0958% | 6,564 |
| Noncurrent loans to loans | 0.1101% | 6,389 |
| Net loans and leases to total assets | 52.5402% | 5,023 |
| Net loans and leases to deposits | 60.0349% | 5,233 |
| Net loans and leases to core deposits | 63.8821% | 5,222 |
| Total domestic deposits to total assets | 87.5160% | 2,457 |
| Equity capital to assets | 11.5842% | 2,507 |
| Core capital (leverage) ratio | 9.5185% | 4,116 |
| Tier 1 risk-based capital ratio | 16.1555% | 3,091 |
| Total risk-based capital ratio | 16.9509% | 3,295 |
| Memoranda: | ||
| Average total assets | $284,452,330 | 2,272 |
| Average earning assets | $252,453,000 | 2,333 |
| Average equity | $32,297,330 | 2,133 |
| Average total loans | $149,197,000 | 2,630 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3763% | 4,425 |
| Cost of funding earning assets | 0.7222% | 4,093 |
| Net interest margin | 3.6541% | 4,036 |
| Noninterest income to average assets | 0.7925% | 2,199 |
| Noninterest expense to average assets | 2.8049% | 4,005 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9533% | 2,671 |
| Return on assets (ROA) | 0.9533% | 2,880 |
| Pretax return on assets | 1.2198% | 2,839 |
| Return on Equity (ROE) | 8.4826% | 3,067 |
| Retained earnings to average equity (ytd only) | 8.4826% | 1,786 |
| Net charge-offs to loans | 0.0216% | 4,380 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 108.1250% | 320 |
| Efficiency ratio | 67.7996% | 4,208 |
| Assets per employee ($millions) | 3.3213% | 5,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7735% | 6,783 |
| Loan loss allowance to noncurrent loans | 193.5702% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.2200% | 6,337 |
| Noncurrent loans to loans | 0.3996% | 5,876 |
| Net loans and leases to total assets | 50.2137% | 5,275 |
| Net loans and leases to deposits | 56.8546% | 5,506 |
| Net loans and leases to core deposits | 60.0159% | 5,525 |
| Total domestic deposits to total assets | 88.3194% | 2,119 |
| Equity capital to assets | 10.9617% | 2,951 |
| Core capital (leverage) ratio | 9.3472% | 4,289 |
| Tier 1 risk-based capital ratio | 15.7925% | 3,289 |
| Total risk-based capital ratio | 16.4792% | 3,567 |
| Memoranda: | ||
| Average total assets | $283,647,000 | 2,292 |
| Average earning assets | $250,898,500 | 2,356 |
| Average equity | $31,877,000 | 2,160 |
| Average total loans | $147,977,000 | 2,663 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7795% | 3,907 |
| Cost of funding earning assets | 0.9148% | 4,010 |
| Net interest margin | 3.8647% | 3,494 |
| Noninterest income to average assets | 0.7179% | 2,505 |
| Noninterest expense to average assets | 2.9675% | 3,715 |
| Loan and lease loss provision to assets | 0.0950% | 5,412 |
| Net operating income to assets | 0.8324% | 2,905 |
| Return on assets (ROA) | 0.9490% | 2,539 |
| Pretax return on assets | 1.2139% | 2,407 |
| Return on Equity (ROE) | 8.5176% | 2,665 |
| Retained earnings to average equity (ytd only) | 8.3611% | 967 |
| Net charge-offs to loans | 0.1230% | 5,157 |
| Credit loss provision to net charge-offs | 142.2222% | 2,048 |
| Earnings coverage of net charge-offs (x) | 17.3611% | 1,277 |
| Efficiency ratio | 69.6242% | 4,033 |
| Assets per employee ($millions) | 3.0901% | 5,915 |
| Cash dividends to net income (ytd only)* | 1.8374% | 4,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7781% | 6,788 |
| Loan loss allowance to noncurrent loans | 256.5702% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.1822% | 6,493 |
| Noncurrent loans to loans | 0.3033% | 6,118 |
| Net loans and leases to total assets | 53.4130% | 5,113 |
| Net loans and leases to deposits | 60.9654% | 5,371 |
| Net loans and leases to core deposits | 64.3694% | 5,430 |
| Total domestic deposits to total assets | 87.6119% | 2,395 |
| Equity capital to assets | 11.5321% | 2,473 |
| Core capital (leverage) ratio | 9.4592% | 4,094 |
| Tier 1 risk-based capital ratio | 15.6431% | 3,241 |
| Total risk-based capital ratio | 16.3475% | 3,544 |
| Memoranda: | ||
| Average total assets | $269,552,000 | 2,341 |
| Average earning assets | $237,767,400 | 2,426 |
| Average equity | $30,032,000 | 2,198 |
| Average total loans | $146,309,200 | 2,694 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8095% | 3,987 |
| Cost of funding earning assets | 0.9476% | 4,066 |
| Net interest margin | 3.8618% | 3,564 |
| Noninterest income to average assets | 0.8601% | 1,803 |
| Noninterest expense to average assets | 3.0237% | 3,467 |
| Loan and lease loss provision to assets | 0.0597% | 5,695 |
| Net operating income to assets | 0.9289% | 2,626 |
| Return on assets (ROA) | 0.9615% | 2,641 |
| Pretax return on assets | 1.2344% | 2,506 |
| Return on Equity (ROE) | 8.7083% | 2,741 |
| Retained earnings to average equity (ytd only) | 8.5011% | 1,312 |
| Net charge-offs to loans | -0.0018% | 6,668 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3874% | 4,242 |
| Assets per employee ($millions) | 3.0780% | 5,947 |
| Cash dividends to net income (ytd only)* | 2.3784% | 3,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8150% | 6,794 |
| Loan loss allowance to noncurrent loans | 269.8198% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.4235% | 6,019 |
| Noncurrent loans to loans | 0.3021% | 6,243 |
| Net loans and leases to total assets | 54.4460% | 5,098 |
| Net loans and leases to deposits | 62.4904% | 5,345 |
| Net loans and leases to core deposits | 65.9428% | 5,421 |
| Total domestic deposits to total assets | 87.1269% | 2,569 |
| Equity capital to assets | 11.6983% | 2,500 |
| Core capital (leverage) ratio | 9.4657% | 4,205 |
| Tier 1 risk-based capital ratio | 15.3590% | 3,455 |
| Total risk-based capital ratio | 16.0979% | 3,726 |
| Memoranda: | ||
| Average total assets | $268,184,250 | 2,366 |
| Average earning assets | $237,221,500 | 2,433 |
| Average equity | $29,611,000 | 2,221 |
| Average total loans | $145,874,000 | 2,719 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8121% | 4,051 |
| Cost of funding earning assets | 0.9812% | 4,076 |
| Net interest margin | 3.8309% | 3,640 |
| Noninterest income to average assets | 0.8654% | 1,756 |
| Noninterest expense to average assets | 3.0322% | 3,519 |
| Loan and lease loss provision to assets | 0.0745% | 5,381 |
| Net operating income to assets | 0.8889% | 2,689 |
| Return on assets (ROA) | 0.9377% | 2,584 |
| Pretax return on assets | 1.1971% | 2,494 |
| Return on Equity (ROE) | 8.6641% | 2,649 |
| Retained earnings to average equity (ytd only) | 8.6641% | 1,215 |
| Net charge-offs to loans | -0.0041% | 6,568 |
| Credit loss provision to net charge-offs | -3,333.3333% | 6,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1564% | 4,297 |
| Assets per employee ($millions) | 2.9967% | 6,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8102% | 6,851 |
| Loan loss allowance to noncurrent loans | 261.4191% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.4278% | 6,074 |
| Noncurrent loans to loans | 0.3099% | 6,300 |
| Net loans and leases to total assets | 54.1222% | 5,277 |
| Net loans and leases to deposits | 61.5512% | 5,555 |
| Net loans and leases to core deposits | 64.2456% | 5,703 |
| Total domestic deposits to total assets | 87.9303% | 2,183 |
| Equity capital to assets | 11.2894% | 2,690 |
| Core capital (leverage) ratio | 9.0909% | 4,588 |
| Tier 1 risk-based capital ratio | 15.0249% | 3,481 |
| Total risk-based capital ratio | 15.7567% | 3,757 |
| Memoranda: | ||
| Average total assets | $268,318,000 | 2,380 |
| Average earning assets | $236,444,330 | 2,463 |
| Average equity | $29,039,330 | 2,240 |
| Average total loans | $145,500,330 | 2,750 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8152% | 3,993 |
| Cost of funding earning assets | 1.0131% | 4,105 |
| Net interest margin | 3.8021% | 3,606 |
| Noninterest income to average assets | 0.9081% | 1,636 |
| Noninterest expense to average assets | 3.0335% | 3,507 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9349% | 2,425 |
| Return on assets (ROA) | 0.9349% | 2,488 |
| Pretax return on assets | 1.1935% | 2,391 |
| Return on Equity (ROE) | 8.8267% | 2,542 |
| Retained earnings to average equity (ytd only) | 8.8267% | 1,436 |
| Net charge-offs to loans | -0.0082% | 6,320 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4093% | 4,394 |
| Assets per employee ($millions) | 3.0504% | 6,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7558% | 6,999 |
| Loan loss allowance to noncurrent loans | 1,101.0204% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.3061% | 6,433 |
| Noncurrent loans to loans | 0.0686% | 6,865 |
| Net loans and leases to total assets | 52.1907% | 5,551 |
| Net loans and leases to deposits | 58.8495% | 5,844 |
| Net loans and leases to core deposits | 61.2842% | 5,991 |
| Total domestic deposits to total assets | 88.6851% | 1,968 |
| Equity capital to assets | 10.6533% | 3,038 |
| Core capital (leverage) ratio | 8.8363% | 4,873 |
| Tier 1 risk-based capital ratio | 14.6067% | 3,673 |
| Total risk-based capital ratio | 15.2771% | 4,032 |
| Memoranda: | ||
| Average total assets | $269,126,000 | 2,399 |
| Average earning assets | $234,921,500 | 2,496 |
| Average equity | $28,504,500 | 2,269 |
| Average total loans | $145,488,500 | 2,782 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2309% | 3,457 |
| Cost of funding earning assets | 1.2679% | 4,094 |
| Net interest margin | 3.9630% | 3,193 |
| Noninterest income to average assets | 0.9083% | 1,829 |
| Noninterest expense to average assets | 3.1618% | 3,228 |
| Loan and lease loss provision to assets | 0.0294% | 6,835 |
| Net operating income to assets | 0.9585% | 2,171 |
| Return on assets (ROA) | 0.9996% | 2,143 |
| Pretax return on assets | 1.2445% | 2,088 |
| Return on Equity (ROE) | 9.0877% | 2,258 |
| Retained earnings to average equity (ytd only) | 3.9436% | 3,102 |
| Net charge-offs to loans | 0.0374% | 6,428 |
| Credit loss provision to net charge-offs | 138.8889% | 2,741 |
| Earnings coverage of net charge-offs (x) | 57.7778% | 405 |
| Efficiency ratio | 69.7292% | 4,234 |
| Assets per employee ($millions) | 3.0663% | 5,956 |
| Cash dividends to net income (ytd only)* | 56.6053% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7260% | 7,097 |
| Loan loss allowance to noncurrent loans | 1,195.5556% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.3029% | 6,486 |
| Noncurrent loans to loans | 0.0607% | 6,969 |
| Net loans and leases to total assets | 55.1537% | 5,463 |
| Net loans and leases to deposits | 62.1152% | 5,838 |
| Net loans and leases to core deposits | 64.4086% | 6,020 |
| Total domestic deposits to total assets | 88.7926% | 1,771 |
| Equity capital to assets | 10.5286% | 3,129 |
| Core capital (leverage) ratio | 8.7131% | 4,996 |
| Tier 1 risk-based capital ratio | 13.8072% | 3,989 |
| Total risk-based capital ratio | 14.4584% | 4,401 |
| Memoranda: | ||
| Average total assets | $255,203,400 | 2,498 |
| Average earning assets | $223,843,200 | 2,587 |
| Average equity | $28,070,800 | 2,307 |
| Average total loans | $144,438,600 | 2,859 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2442% | 3,610 |
| Cost of funding earning assets | 1.3115% | 4,146 |
| Net interest margin | 3.9327% | 3,391 |
| Noninterest income to average assets | 0.8687% | 1,917 |
| Noninterest expense to average assets | 3.1389% | 3,147 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9582% | 2,382 |
| Return on assets (ROA) | 1.0135% | 2,306 |
| Pretax return on assets | 1.2598% | 2,300 |
| Return on Equity (ROE) | 9.1114% | 2,453 |
| Retained earnings to average equity (ytd only) | 4.8360% | 3,097 |
| Net charge-offs to loans | 0.0167% | 6,446 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 125.1633% | 256 |
| Efficiency ratio | 70.0598% | 4,052 |
| Assets per employee ($millions) | 2.8465% | 6,489 |
| Cash dividends to net income (ytd only)* | 46.9239% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6994% | 7,199 |
| Loan loss allowance to noncurrent loans | 382.6568% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.3860% | 6,448 |
| Noncurrent loans to loans | 0.1828% | 6,820 |
| Net loans and leases to total assets | 57.4717% | 5,341 |
| Net loans and leases to deposits | 66.2755% | 5,637 |
| Net loans and leases to core deposits | 68.6830% | 5,879 |
| Total domestic deposits to total assets | 86.7163% | 2,684 |
| Equity capital to assets | 11.2484% | 2,738 |
| Core capital (leverage) ratio | 9.1197% | 4,500 |
| Tier 1 risk-based capital ratio | 13.8103% | 3,974 |
| Total risk-based capital ratio | 14.4424% | 4,412 |
| Memoranda: | ||
| Average total assets | $252,312,000 | 2,562 |
| Average earning assets | $222,032,000 | 2,643 |
| Average equity | $28,066,750 | 2,336 |
| Average total loans | $143,496,000 | 2,914 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2190% | 3,858 |
| Cost of funding earning assets | 1.3627% | 4,101 |
| Net interest margin | 3.8563% | 3,649 |
| Noninterest income to average assets | 0.9234% | 1,607 |
| Noninterest expense to average assets | 3.2149% | 2,853 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8984% | 2,558 |
| Return on assets (ROA) | 0.9840% | 2,339 |
| Pretax return on assets | 1.2063% | 2,392 |
| Return on Equity (ROE) | 8.8796% | 2,517 |
| Retained earnings to average equity (ytd only) | 2.6818% | 4,435 |
| Net charge-offs to loans | -0.0070% | 7,153 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0192% | 3,813 |
| Assets per employee ($millions) | 2.9013% | 6,353 |
| Cash dividends to net income (ytd only)* | 69.7976% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7299% | 7,188 |
| Loan loss allowance to noncurrent loans | 9,636.3636% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.3304% | 6,595 |
| Noncurrent loans to loans | 0.0076% | 7,317 |
| Net loans and leases to total assets | 57.1161% | 5,544 |
| Net loans and leases to deposits | 64.8881% | 5,924 |
| Net loans and leases to core deposits | 67.1243% | 6,136 |
| Total domestic deposits to total assets | 88.0225% | 1,991 |
| Equity capital to assets | 11.0049% | 2,854 |
| Core capital (leverage) ratio | 8.8618% | 4,815 |
| Tier 1 risk-based capital ratio | 13.6309% | 3,986 |
| Total risk-based capital ratio | 14.2893% | 4,362 |
| Memoranda: | ||
| Average total assets | $251,020,330 | 2,591 |
| Average earning assets | $220,886,000 | 2,670 |
| Average equity | $27,816,670 | 2,345 |
| Average total loans | $141,904,000 | 2,977 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1833% | 4,117 |
| Cost of funding earning assets | 1.3980% | 4,193 |
| Net interest margin | 3.7854% | 3,849 |
| Noninterest income to average assets | 0.9460% | 1,465 |
| Noninterest expense to average assets | 3.1288% | 3,149 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9207% | 2,472 |
| Return on assets (ROA) | 1.0690% | 2,010 |
| Pretax return on assets | 1.3343% | 1,953 |
| Return on Equity (ROE) | 9.6135% | 2,242 |
| Retained earnings to average equity (ytd only) | 9.6135% | 1,232 |
| Net charge-offs to loans | -0.0114% | 6,924 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6388% | 4,190 |
| Assets per employee ($millions) | 2.8024% | 6,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7491% | 7,243 |
| Loan loss allowance to noncurrent loans | 5,042.8571% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.3384% | 6,635 |
| Noncurrent loans to loans | 0.0149% | 7,382 |
| Net loans and leases to total assets | 56.2536% | 5,707 |
| Net loans and leases to deposits | 64.1603% | 6,038 |
| Net loans and leases to core deposits | 66.3399% | 6,258 |
| Total domestic deposits to total assets | 87.6768% | 2,249 |
| Equity capital to assets | 11.3077% | 2,498 |
| Core capital (leverage) ratio | 9.0225% | 4,521 |
| Tier 1 risk-based capital ratio | 14.0825% | 3,604 |
| Total risk-based capital ratio | 14.7550% | 3,946 |
| Memoranda: | ||
| Average total assets | $250,323,500 | 2,649 |
| Average earning assets | $220,322,000 | 2,734 |
| Average equity | $27,836,000 | 2,381 |
| Average total loans | $140,241,500 | 3,072 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4954% | 4,168 |
| Cost of funding earning assets | 1.7895% | 4,044 |
| Net interest margin | 3.7059% | 4,116 |
| Noninterest income to average assets | 0.8402% | 2,228 |
| Noninterest expense to average assets | 3.2350% | 3,255 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.7150% | 2,875 |
| Return on assets (ROA) | 0.8341% | 2,488 |
| Pretax return on assets | 0.9917% | 2,617 |
| Return on Equity (ROE) | 7.7234% | 2,487 |
| Retained earnings to average equity (ytd only) | 4.3654% | 2,188 |
| Net charge-offs to loans | 0.0101% | 7,089 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 150.6429% | 194 |
| Efficiency ratio | 76.5710% | 3,425 |
| Assets per employee ($millions) | 2.8877% | 6,476 |
| Cash dividends to net income (ytd only)* | 43.4783% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7583% | 7,237 |
| Loan loss allowance to noncurrent loans | 2,930.5556% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.3467% | 6,573 |
| Noncurrent loans to loans | 0.0259% | 7,372 |
| Net loans and leases to total assets | 54.9548% | 6,087 |
| Net loans and leases to deposits | 62.4091% | 6,422 |
| Net loans and leases to core deposits | 72.0709% | 6,654 |
| Total domestic deposits to total assets | 88.0557% | 1,948 |
| Equity capital to assets | 10.9337% | 2,751 |
| Core capital (leverage) ratio | 8.7319% | 4,868 |
| Tier 1 risk-based capital ratio | 13.7086% | 3,679 |
| Total risk-based capital ratio | 14.3832% | 4,003 |
| Memoranda: | ||
| Average total assets | $248,162,200 | 2,627 |
| Average earning assets | $217,272,600 | 2,738 |
| Average equity | $26,801,600 | 2,464 |
| Average total loans | $138,453,400 | 3,115 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5225% | 4,309 |
| Cost of funding earning assets | 1.8531% | 4,134 |
| Net interest margin | 3.6694% | 4,208 |
| Noninterest income to average assets | 0.7955% | 2,453 |
| Noninterest expense to average assets | 3.2379% | 3,163 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.6730% | 3,303 |
| Return on assets (ROA) | 0.7443% | 3,100 |
| Pretax return on assets | 0.8558% | 3,364 |
| Return on Equity (ROE) | 6.9131% | 3,113 |
| Retained earnings to average equity (ytd only) | 5.6917% | 2,107 |
| Net charge-offs to loans | 0.0048% | 6,903 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 287.0495% | 126 |
| Efficiency ratio | 78.0226% | 3,162 |
| Assets per employee ($millions) | 2.8198% | 6,616 |
| Cash dividends to net income (ytd only)* | 17.6686% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7770% | 7,189 |
| Loan loss allowance to noncurrent loans | 1,281.9277% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.3538% | 6,599 |
| Noncurrent loans to loans | 0.0606% | 7,352 |
| Net loans and leases to total assets | 54.7558% | 6,301 |
| Net loans and leases to deposits | 62.3849% | 6,632 |
| Net loans and leases to core deposits | 73.3580% | 6,763 |
| Total domestic deposits to total assets | 87.7709% | 1,766 |
| Equity capital to assets | 11.1736% | 2,849 |
| Core capital (leverage) ratio | 8.7207% | 5,097 |
| Tier 1 risk-based capital ratio | 13.9877% | 3,561 |
| Total risk-based capital ratio | 14.6850% | 3,835 |
| Memoranda: | ||
| Average total assets | $247,394,750 | 2,647 |
| Average earning assets | $216,851,250 | 2,760 |
| Average equity | $26,634,750 | 2,495 |
| Average total loans | $138,287,000 | 3,149 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5631% | 4,265 |
| Cost of funding earning assets | 1.9019% | 4,257 |
| Net interest margin | 3.6612% | 4,113 |
| Noninterest income to average assets | 0.8902% | 2,021 |
| Noninterest expense to average assets | 3.2912% | 2,993 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7162% | 3,180 |
| Return on assets (ROA) | 0.7162% | 3,289 |
| Pretax return on assets | 0.8020% | 3,665 |
| Return on Equity (ROE) | 6.7375% | 3,311 |
| Retained earnings to average equity (ytd only) | 5.8772% | 2,080 |
| Net charge-offs to loans | 0.0072% | 6,490 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 198.2000% | 210 |
| Efficiency ratio | 77.7778% | 3,381 |
| Assets per employee ($millions) | 2.8521% | 6,508 |
| Cash dividends to net income (ytd only)* | 12.7684% | 3,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7786% | 7,223 |
| Loan loss allowance to noncurrent loans | 1,457.5342% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.4076% | 6,446 |
| Noncurrent loans to loans | 0.0534% | 7,402 |
| Net loans and leases to total assets | 54.0231% | 6,451 |
| Net loans and leases to deposits | 61.0227% | 6,814 |
| Net loans and leases to core deposits | 71.4666% | 6,936 |
| Total domestic deposits to total assets | 88.5296% | 1,516 |
| Equity capital to assets | 10.5931% | 3,305 |
| Core capital (leverage) ratio | 8.5207% | 5,405 |
| Tier 1 risk-based capital ratio | 13.6640% | 3,715 |
| Total risk-based capital ratio | 14.3593% | 3,982 |
| Memoranda: | ||
| Average total assets | $247,147,000 | 2,668 |
| Average earning assets | $216,210,330 | 2,795 |
| Average equity | $26,271,000 | 2,534 |
| Average total loans | $138,738,000 | 3,166 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6511% | 4,044 |
| Cost of funding earning assets | 1.9709% | 4,282 |
| Net interest margin | 3.6802% | 3,979 |
| Noninterest income to average assets | 0.9249% | 1,757 |
| Noninterest expense to average assets | 2.9621% | 3,933 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9200% | 2,617 |
| Return on assets (ROA) | 0.9200% | 2,760 |
| Pretax return on assets | 1.1516% | 2,794 |
| Return on Equity (ROE) | 8.6394% | 2,868 |
| Retained earnings to average equity (ytd only) | 8.6394% | 1,586 |
| Net charge-offs to loans | -0.0057% | 7,195 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3894% | 4,700 |
| Assets per employee ($millions) | 2.9070% | 6,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7786% | 7,236 |
| Loan loss allowance to noncurrent loans | 2,328.2609% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.4205% | 6,243 |
| Noncurrent loans to loans | 0.0334% | 7,453 |
| Net loans and leases to total assets | 55.2383% | 6,333 |
| Net loans and leases to deposits | 62.5490% | 6,687 |
| Net loans and leases to core deposits | 73.4524% | 6,840 |
| Total domestic deposits to total assets | 88.3121% | 1,571 |
| Equity capital to assets | 10.7255% | 3,265 |
| Core capital (leverage) ratio | 8.5001% | 5,536 |
| Tier 1 risk-based capital ratio | 13.5720% | 3,818 |
| Total risk-based capital ratio | 14.2764% | 4,087 |
| Memoranda: | ||
| Average total assets | $245,228,000 | 2,705 |
| Average earning assets | $212,488,000 | 2,852 |
| Average equity | $26,113,000 | 2,563 |
| Average total loans | $139,780,000 | 3,170 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0020% | 5,536 |
| Cost of funding earning assets | 2.1280% | 5,936 |
| Net interest margin | 3.8740% | 3,684 |
| Noninterest income to average assets | 0.8827% | 2,045 |
| Noninterest expense to average assets | 3.1445% | 3,537 |
| Loan and lease loss provision to assets | 0.0253% | 7,082 |
| Net operating income to assets | 0.9681% | 2,704 |
| Return on assets (ROA) | 1.0367% | 2,300 |
| Pretax return on assets | 1.2657% | 2,422 |
| Return on Equity (ROE) | 8.1946% | 2,982 |
| Retained earnings to average equity (ytd only) | 5.2307% | 1,893 |
| Net charge-offs to loans | 0.0829% | 5,575 |
| Credit loss provision to net charge-offs | 52.6316% | 6,322 |
| Earnings coverage of net charge-offs (x) | 25.0842% | 1,350 |
| Efficiency ratio | 70.8697% | 4,164 |
| Assets per employee ($millions) | 2.8631% | 6,405 |
| Cash dividends to net income (ytd only)* | 36.1681% | 3,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7528% | 7,273 |
| Loan loss allowance to noncurrent loans | 727.2109% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.4508% | 5,869 |
| Noncurrent loans to loans | 0.1035% | 7,104 |
| Net loans and leases to total assets | 57.9094% | 6,210 |
| Net loans and leases to deposits | 65.4724% | 6,680 |
| Net loans and leases to core deposits | 76.0091% | 6,857 |
| Total domestic deposits to total assets | 88.4485% | 1,273 |
| Equity capital to assets | 10.5702% | 3,425 |
| Core capital (leverage) ratio | 8.6090% | 5,364 |
| Tier 1 risk-based capital ratio | 12.9002% | 4,161 |
| Total risk-based capital ratio | 13.5895% | 4,444 |
| Memoranda: | ||
| Average total assets | $197,359,400 | 3,175 |
| Average earning assets | $176,740,400 | 3,233 |
| Average equity | $24,967,800 | 2,635 |
| Average total loans | $114,534,000 | 3,577 |