Home > The Hocking Valley Bank > Performance and Condition Ratios
The Hocking Valley 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 | 3.5172% | 4,388 |
| Cost of funding earning assets | 0.6506% | 3,996 |
| Net interest margin | 2.8665% | 3,545 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.0801% | 3,452 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.7503% | 3,044 |
| Return on assets (ROA) | 0.7503% | 3,026 |
| Pretax return on assets | 0.9214% | 2,906 |
| Return on Equity (ROE) | 9.3900% | 2,662 |
| Retained earnings to average equity (ytd only) | 4.8915% | 2,637 |
| Net charge-offs to loans | -0.0145% | 4,069 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 68.8896% | 2,019 |
| Assets per employee ($millions) | 7.8824% | 1,496 |
| Cash dividends to net income (ytd only)* | 47.9233% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2856% | 1,844 |
| Loan loss allowance to noncurrent loans | 496.8379% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.1528% | 2,503 |
| Noncurrent loans to loans | 0.2588% | 2,257 |
| Net loans and leases to total assets | 58.3100% | 3,010 |
| Net loans and leases to deposits | 65.4599% | 3,205 |
| Net loans and leases to core deposits | 73.5275% | 3,097 |
| Total domestic deposits to total assets | 89.0700% | 1,046 |
| Equity capital to assets | 8.8413% | 2,790 |
| Core capital (leverage) ratio | 10.9942% | 1,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $333,734,200 | 2,253 |
| Average earning assets | $314,454,800 | 2,226 |
| Average equity | $26,658,600 | 2,421 |
| Average total loans | $186,089,800 | 2,383 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3907% | 4,420 |
| Cost of funding earning assets | 0.5744% | 4,017 |
| Net interest margin | 2.8163% | 3,704 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.0207% | 3,542 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.7572% | 3,143 |
| Return on assets (ROA) | 0.7572% | 3,139 |
| Pretax return on assets | 0.9298% | 3,034 |
| Return on Equity (ROE) | 9.7400% | 2,719 |
| Retained earnings to average equity (ytd only) | 3.5837% | 3,357 |
| Net charge-offs to loans | -0.0196% | 4,125 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.9357% | 2,024 |
| Assets per employee ($millions) | 7.9292% | 1,382 |
| Cash dividends to net income (ytd only)* | 63.1912% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3066% | 1,842 |
| Loan loss allowance to noncurrent loans | 408.1169% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.1850% | 2,358 |
| Noncurrent loans to loans | 0.3201% | 2,084 |
| Net loans and leases to total assets | 57.0200% | 3,116 |
| Net loans and leases to deposits | 63.1231% | 3,319 |
| Net loans and leases to core deposits | 69.3277% | 3,243 |
| Total domestic deposits to total assets | 90.3400% | 852 |
| Equity capital to assets | 7.8472% | 3,153 |
| Core capital (leverage) ratio | 10.6563% | 2,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $334,402,500 | 2,251 |
| Average earning assets | $315,206,000 | 2,228 |
| Average equity | $26,005,750 | 2,445 |
| Average total loans | $183,725,250 | 2,411 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2346% | 4,488 |
| Cost of funding earning assets | 0.4607% | 4,056 |
| Net interest margin | 2.7739% | 3,860 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.0140% | 3,560 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.7173% | 3,309 |
| Return on assets (ROA) | 0.7173% | 3,304 |
| Pretax return on assets | 0.8798% | 3,218 |
| Return on Equity (ROE) | 9.2500% | 2,907 |
| Retained earnings to average equity (ytd only) | 0.0077% | 4,068 |
| Net charge-offs to loans | 0.0022% | 2,284 |
| Credit loss provision to net charge-offs | 3,000.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 766.5000% | 197 |
| Efficiency ratio | 68.7462% | 1,891 |
| Assets per employee ($millions) | 7.5386% | 1,583 |
| Cash dividends to net income (ytd only)* | 99.9167% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3295% | 1,799 |
| Loan loss allowance to noncurrent loans | 426.9759% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.1755% | 2,321 |
| Noncurrent loans to loans | 0.3114% | 2,026 |
| Net loans and leases to total assets | 55.6000% | 3,145 |
| Net loans and leases to deposits | 61.4778% | 3,339 |
| Net loans and leases to core deposits | 67.1271% | 3,281 |
| Total domestic deposits to total assets | 90.4400% | 803 |
| Equity capital to assets | 7.8035% | 3,349 |
| Core capital (leverage) ratio | 10.5805% | 2,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $334,861,667 | 2,256 |
| Average earning assets | $315,583,667 | 2,234 |
| Average equity | $25,963,333 | 2,463 |
| Average total loans | $180,829,333 | 2,431 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1118% | 4,522 |
| Cost of funding earning assets | 0.4236% | 3,900 |
| Net interest margin | 2.6881% | 4,087 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 1.8927% | 3,863 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7740% | 3,282 |
| Return on assets (ROA) | 0.7740% | 3,238 |
| Pretax return on assets | 0.9499% | 3,126 |
| Return on Equity (ROE) | 10.0100% | 2,783 |
| Retained earnings to average equity (ytd only) | -8.4452% | 4,445 |
| Net charge-offs to loans | 0.0045% | 1,811 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 399.5000% | 277 |
| Efficiency ratio | 66.5830% | 2,144 |
| Assets per employee ($millions) | 7.8675% | 1,424 |
| Cash dividends to net income (ytd only)* | 184.3318% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3266% | 1,911 |
| Loan loss allowance to noncurrent loans | 376.5528% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.1860% | 2,217 |
| Noncurrent loans to loans | 0.3523% | 1,882 |
| Net loans and leases to total assets | 52.1100% | 3,339 |
| Net loans and leases to deposits | 57.3785% | 3,482 |
| Net loans and leases to core deposits | 60.8275% | 3,505 |
| Total domestic deposits to total assets | 90.8100% | 861 |
| Equity capital to assets | 7.6610% | 3,468 |
| Core capital (leverage) ratio | 10.5683% | 2,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $336,443,500 | 2,283 |
| Average earning assets | $317,245,000 | 2,268 |
| Average equity | $26,003,000 | 2,485 |
| Average total loans | $177,791,000 | 2,483 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8442% | 4,288 |
| Cost of funding earning assets | 0.1710% | 3,992 |
| Net interest margin | 2.6732% | 4,088 |
| Noninterest income to average assets | 0.6200% | 1,571 |
| Noninterest expense to average assets | 2.0236% | 3,521 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9011% | 2,959 |
| Return on assets (ROA) | 0.9011% | 2,893 |
| Pretax return on assets | 1.1102% | 2,736 |
| Return on Equity (ROE) | 11.5000% | 2,306 |
| Retained earnings to average equity (ytd only) | 11.4952% | 780 |
| Net charge-offs to loans | -0.0065% | 3,689 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.5740% | 2,421 |
| Assets per employee ($millions) | 7.5981% | 1,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4047% | 1,487 |
| Loan loss allowance to noncurrent loans | 442.0765% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.1680% | 2,369 |
| Noncurrent loans to loans | 0.3177% | 2,012 |
| Net loans and leases to total assets | 52.1400% | 3,348 |
| Net loans and leases to deposits | 57.5928% | 3,481 |
| Net loans and leases to core deposits | 60.8333% | 3,462 |
| Total domestic deposits to total assets | 90.5300% | 1,136 |
| Equity capital to assets | 7.8006% | 3,188 |
| Core capital (leverage) ratio | 10.6330% | 2,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $341,574,000 | 2,255 |
| Average earning assets | $321,638,000 | 2,230 |
| Average equity | $26,776,400 | 2,494 |
| Average total loans | $168,069,800 | 2,476 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7238% | 4,275 |
| Cost of funding earning assets | 0.1377% | 3,957 |
| Net interest margin | 2.5861% | 4,121 |
| Noninterest income to average assets | 0.5700% | 1,823 |
| Noninterest expense to average assets | 1.9662% | 3,569 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8487% | 3,072 |
| Return on assets (ROA) | 0.8487% | 3,046 |
| Pretax return on assets | 1.0437% | 2,891 |
| Return on Equity (ROE) | 10.8100% | 2,463 |
| Retained earnings to average equity (ytd only) | 10.8144% | 1,102 |
| Net charge-offs to loans | -0.0088% | 3,660 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.3239% | 2,365 |
| Assets per employee ($millions) | 8.4441% | 1,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4464% | 1,461 |
| Loan loss allowance to noncurrent loans | 281.8815% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.2487% | 1,983 |
| Noncurrent loans to loans | 0.5131% | 1,515 |
| Net loans and leases to total assets | 47.7700% | 3,648 |
| Net loans and leases to deposits | 52.4021% | 3,707 |
| Net loans and leases to core deposits | 53.8997% | 3,753 |
| Total domestic deposits to total assets | 91.1500% | 1,177 |
| Equity capital to assets | 7.0694% | 3,474 |
| Core capital (leverage) ratio | 9.7617% | 2,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $345,287,750 | 2,259 |
| Average earning assets | $325,270,250 | 2,229 |
| Average equity | $27,099,000 | 2,508 |
| Average total loans | $166,892,500 | 2,483 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6150% | 4,262 |
| Cost of funding earning assets | 0.1364% | 3,754 |
| Net interest margin | 2.4786% | 4,122 |
| Noninterest income to average assets | 0.4893% | 2,259 |
| Noninterest expense to average assets | 1.8732% | 3,772 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7780% | 3,036 |
| Return on assets (ROA) | 0.7780% | 3,001 |
| Pretax return on assets | 0.9554% | 2,885 |
| Return on Equity (ROE) | 9.5947% | 2,487 |
| Retained earnings to average equity (ytd only) | 9.5947% | 1,116 |
| Net charge-offs to loans | -0.0132% | 3,702 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2226% | 2,481 |
| Assets per employee ($millions) | 7.6617% | 1,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4717% | 1,485 |
| Loan loss allowance to noncurrent loans | 681.7416% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.1033% | 2,989 |
| Noncurrent loans to loans | 0.2159% | 2,639 |
| Net loans and leases to total assets | 47.1266% | 3,620 |
| Net loans and leases to deposits | 52.1792% | 3,669 |
| Net loans and leases to core deposits | 53.6887% | 3,711 |
| Total domestic deposits to total assets | 90.3167% | 1,572 |
| Equity capital to assets | 7.3644% | 3,556 |
| Core capital (leverage) ratio | 9.5354% | 2,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $344,980,333 | 2,263 |
| Average earning assets | $325,584,333 | 2,249 |
| Average equity | $27,973,667 | 2,529 |
| Average total loans | $166,591,667 | 2,494 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4393% | 4,337 |
| Cost of funding earning assets | 0.1361% | 3,686 |
| Net interest margin | 2.3032% | 4,232 |
| Noninterest income to average assets | 0.4266% | 2,521 |
| Noninterest expense to average assets | 1.8222% | 3,885 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6410% | 3,258 |
| Return on assets (ROA) | 0.6410% | 3,239 |
| Pretax return on assets | 0.7813% | 3,166 |
| Return on Equity (ROE) | 7.5585% | 2,851 |
| Retained earnings to average equity (ytd only) | 7.5585% | 1,712 |
| Net charge-offs to loans | -0.0263% | 4,028 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9911% | 2,235 |
| Assets per employee ($millions) | 8.1900% | 1,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4568% | 1,692 |
| Loan loss allowance to noncurrent loans | 623.9075% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.1105% | 3,037 |
| Noncurrent loans to loans | 0.2335% | 2,656 |
| Net loans and leases to total assets | 46.6165% | 3,524 |
| Net loans and leases to deposits | 51.5972% | 3,600 |
| Net loans and leases to core deposits | 53.0507% | 3,659 |
| Total domestic deposits to total assets | 90.3470% | 1,356 |
| Equity capital to assets | 7.7380% | 3,780 |
| Core capital (leverage) ratio | 9.4782% | 2,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $345,081,500 | 2,275 |
| Average earning assets | $326,159,000 | 2,257 |
| Average equity | $29,265,000 | 2,528 |
| Average total loans | $167,433,000 | 2,485 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5801% | 4,424 |
| Cost of funding earning assets | 0.2175% | 3,289 |
| Net interest margin | 2.3626% | 4,357 |
| Noninterest income to average assets | 0.7255% | 1,676 |
| Noninterest expense to average assets | 1.9875% | 3,716 |
| Loan and lease loss provision to assets | 0.0360% | 2,327 |
| Net operating income to assets | 0.7675% | 3,432 |
| Return on assets (ROA) | 0.7675% | 3,495 |
| Pretax return on assets | 0.9353% | 3,406 |
| Return on Equity (ROE) | 8.0556% | 3,203 |
| Retained earnings to average equity (ytd only) | 5.2247% | 2,705 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1731% | 2,097 |
| Assets per employee ($millions) | 7.6817% | 1,507 |
| Cash dividends to net income (ytd only)* | 35.1425% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4358% | 1,783 |
| Loan loss allowance to noncurrent loans | 680.5634% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.1050% | 3,197 |
| Noncurrent loans to loans | 0.2110% | 2,903 |
| Net loans and leases to total assets | 49.0701% | 3,397 |
| Net loans and leases to deposits | 55.5634% | 3,462 |
| Net loans and leases to core deposits | 57.3649% | 3,525 |
| Total domestic deposits to total assets | 88.3137% | 1,866 |
| Equity capital to assets | 9.2543% | 3,366 |
| Core capital (leverage) ratio | 9.4240% | 2,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $333,692,200 | 2,275 |
| Average earning assets | $315,408,800 | 2,256 |
| Average equity | $31,791,400 | 2,432 |
| Average total loans | $170,285,400 | 2,461 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5848% | 4,511 |
| Cost of funding earning assets | 0.2317% | 3,311 |
| Net interest margin | 2.3531% | 4,443 |
| Noninterest income to average assets | 0.7203% | 1,761 |
| Noninterest expense to average assets | 1.9642% | 3,780 |
| Loan and lease loss provision to assets | 0.0481% | 2,037 |
| Net operating income to assets | 0.7628% | 3,617 |
| Return on assets (ROA) | 0.7628% | 3,679 |
| Pretax return on assets | 0.9312% | 3,630 |
| Return on Equity (ROE) | 7.9490% | 3,417 |
| Retained earnings to average equity (ytd only) | 7.9490% | 2,067 |
| Net charge-offs to loans | -0.0023% | 3,249 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,103 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7302% | 1,999 |
| Assets per employee ($millions) | 7.8023% | 1,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4436% | 1,837 |
| Loan loss allowance to noncurrent loans | 607.7889% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.1159% | 3,339 |
| Noncurrent loans to loans | 0.2375% | 2,985 |
| Net loans and leases to total assets | 48.1066% | 3,623 |
| Net loans and leases to deposits | 55.0727% | 3,649 |
| Net loans and leases to core deposits | 56.8406% | 3,713 |
| Total domestic deposits to total assets | 87.3511% | 2,186 |
| Equity capital to assets | 9.4989% | 3,371 |
| Core capital (leverage) ratio | 9.4477% | 3,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $332,616,750 | 2,298 |
| Average earning assets | $314,243,250 | 2,278 |
| Average equity | $31,919,500 | 2,462 |
| Average total loans | $170,789,250 | 2,495 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6166% | 4,533 |
| Cost of funding earning assets | 0.2402% | 3,373 |
| Net interest margin | 2.3764% | 4,443 |
| Noninterest income to average assets | 0.6582% | 1,973 |
| Noninterest expense to average assets | 1.9346% | 3,877 |
| Loan and lease loss provision to assets | 0.0729% | 1,613 |
| Net operating income to assets | 0.7330% | 3,676 |
| Return on assets (ROA) | 0.7330% | 3,747 |
| Pretax return on assets | 0.8941% | 3,677 |
| Return on Equity (ROE) | 7.6114% | 3,502 |
| Retained earnings to average equity (ytd only) | 7.6114% | 2,219 |
| Net charge-offs to loans | -0.0058% | 3,479 |
| Credit loss provision to net charge-offs | -2,400.0000% | 3,865 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6736% | 2,052 |
| Assets per employee ($millions) | 7.2977% | 1,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4137% | 1,913 |
| Loan loss allowance to noncurrent loans | 652.5606% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.1105% | 3,490 |
| Noncurrent loans to loans | 0.2166% | 3,180 |
| Net loans and leases to total assets | 50.2930% | 3,531 |
| Net loans and leases to deposits | 57.7167% | 3,571 |
| Net loans and leases to core deposits | 59.6077% | 3,648 |
| Total domestic deposits to total assets | 87.1377% | 2,247 |
| Equity capital to assets | 9.5215% | 3,312 |
| Core capital (leverage) ratio | 9.3752% | 3,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $329,055,000 | 2,314 |
| Average earning assets | $310,634,667 | 2,285 |
| Average equity | $31,689,333 | 2,464 |
| Average total loans | $171,862,333 | 2,497 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6309% | 4,545 |
| Cost of funding earning assets | 0.2476% | 3,497 |
| Net interest margin | 2.3834% | 4,431 |
| Noninterest income to average assets | 0.6963% | 1,879 |
| Noninterest expense to average assets | 1.9500% | 3,856 |
| Loan and lease loss provision to assets | 0.0737% | 1,703 |
| Net operating income to assets | 0.7528% | 3,566 |
| Return on assets (ROA) | 0.7528% | 3,637 |
| Pretax return on assets | 0.9185% | 3,564 |
| Return on Equity (ROE) | 7.7712% | 3,399 |
| Retained earnings to average equity (ytd only) | 7.7712% | 2,326 |
| Net charge-offs to loans | -0.0116% | 3,729 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2771% | 2,183 |
| Assets per employee ($millions) | 7.1553% | 1,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3746% | 2,086 |
| Loan loss allowance to noncurrent loans | 979.6680% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.1234% | 3,559 |
| Noncurrent loans to loans | 0.1403% | 3,619 |
| Net loans and leases to total assets | 50.3709% | 3,588 |
| Net loans and leases to deposits | 57.9843% | 3,646 |
| Net loans and leases to core deposits | 59.8240% | 3,713 |
| Total domestic deposits to total assets | 86.8700% | 2,361 |
| Equity capital to assets | 9.3233% | 3,365 |
| Core capital (leverage) ratio | 9.6492% | 2,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $325,736,000 | 2,315 |
| Average earning assets | $306,962,000 | 2,291 |
| Average equity | $31,552,500 | 2,460 |
| Average total loans | $172,168,000 | 2,499 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2896% | 4,348 |
| Cost of funding earning assets | 0.3644% | 3,793 |
| Net interest margin | 2.9252% | 4,061 |
| Noninterest income to average assets | 0.6576% | 1,993 |
| Noninterest expense to average assets | 2.3187% | 3,356 |
| Loan and lease loss provision to assets | 0.0673% | 3,538 |
| Net operating income to assets | 0.8305% | 2,980 |
| Return on assets (ROA) | 0.8305% | 3,105 |
| Pretax return on assets | 1.0206% | 2,976 |
| Return on Equity (ROE) | 7.9162% | 2,852 |
| Retained earnings to average equity (ytd only) | 4.0687% | 2,783 |
| Net charge-offs to loans | 0.1072% | 1,401 |
| Credit loss provision to net charge-offs | 102.5641% | 2,787 |
| Earnings coverage of net charge-offs (x) | 16.5846% | 2,122 |
| Efficiency ratio | 68.0656% | 2,233 |
| Assets per employee ($millions) | 6.4321% | 1,968 |
| Cash dividends to net income (ytd only)* | 48.6027% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3304% | 2,271 |
| Loan loss allowance to noncurrent loans | 817.0819% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.1444% | 3,566 |
| Noncurrent loans to loans | 0.1628% | 3,626 |
| Net loans and leases to total assets | 54.0281% | 3,485 |
| Net loans and leases to deposits | 62.9683% | 3,523 |
| Net loans and leases to core deposits | 65.2082% | 3,613 |
| Total domestic deposits to total assets | 85.8021% | 2,455 |
| Equity capital to assets | 10.0741% | 3,061 |
| Core capital (leverage) ratio | 9.7177% | 2,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $297,274,400 | 2,302 |
| Average earning assets | $279,368,400 | 2,293 |
| Average equity | $31,189,200 | 2,419 |
| Average total loans | $181,841,200 | 2,396 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4249% | 4,319 |
| Cost of funding earning assets | 0.3873% | 3,885 |
| Net interest margin | 3.0376% | 3,891 |
| Noninterest income to average assets | 0.5829% | 2,241 |
| Noninterest expense to average assets | 2.3925% | 3,157 |
| Loan and lease loss provision to assets | 0.0639% | 3,540 |
| Net operating income to assets | 0.8001% | 3,090 |
| Return on assets (ROA) | 0.8001% | 3,212 |
| Pretax return on assets | 0.9799% | 3,132 |
| Return on Equity (ROE) | 7.5449% | 2,994 |
| Retained earnings to average equity (ytd only) | 7.5449% | 1,480 |
| Net charge-offs to loans | 0.1426% | 1,026 |
| Credit loss provision to net charge-offs | 71.0660% | 2,803 |
| Earnings coverage of net charge-offs (x) | 11.6345% | 2,292 |
| Efficiency ratio | 69.6263% | 1,942 |
| Assets per employee ($millions) | 6.4401% | 1,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2047% | 2,639 |
| Loan loss allowance to noncurrent loans | 580.2597% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.1808% | 3,527 |
| Noncurrent loans to loans | 0.2076% | 3,552 |
| Net loans and leases to total assets | 59.2646% | 3,298 |
| Net loans and leases to deposits | 69.2610% | 3,372 |
| Net loans and leases to core deposits | 71.8216% | 3,486 |
| Total domestic deposits to total assets | 85.5670% | 2,230 |
| Equity capital to assets | 10.4534% | 2,832 |
| Core capital (leverage) ratio | 9.8883% | 2,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $292,799,750 | 2,309 |
| Average earning assets | $275,033,750 | 2,297 |
| Average equity | $31,048,750 | 2,422 |
| Average total loans | $184,157,000 | 2,382 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6071% | 4,253 |
| Cost of funding earning assets | 0.4234% | 3,931 |
| Net interest margin | 3.1837% | 3,714 |
| Noninterest income to average assets | 0.5491% | 2,358 |
| Noninterest expense to average assets | 2.4499% | 3,104 |
| Loan and lease loss provision to assets | 0.0557% | 3,605 |
| Net operating income to assets | 0.8442% | 2,886 |
| Return on assets (ROA) | 0.8442% | 3,001 |
| Pretax return on assets | 1.0322% | 2,922 |
| Return on Equity (ROE) | 7.9211% | 2,781 |
| Retained earnings to average equity (ytd only) | 7.9211% | 1,332 |
| Net charge-offs to loans | 0.1361% | 1,034 |
| Credit loss provision to net charge-offs | 64.0000% | 2,572 |
| Earnings coverage of net charge-offs (x) | 12.5040% | 2,048 |
| Efficiency ratio | 69.2504% | 2,054 |
| Assets per employee ($millions) | 6.3632% | 1,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1843% | 2,593 |
| Loan loss allowance to noncurrent loans | 317.6803% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.2315% | 3,399 |
| Noncurrent loans to loans | 0.3728% | 3,074 |
| Net loans and leases to total assets | 61.3573% | 3,183 |
| Net loans and leases to deposits | 71.3102% | 3,319 |
| Net loans and leases to core deposits | 74.9291% | 3,374 |
| Total domestic deposits to total assets | 86.0428% | 1,989 |
| Equity capital to assets | 10.3233% | 2,911 |
| Core capital (leverage) ratio | 10.1765% | 2,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $287,358,333 | 2,328 |
| Average earning assets | $269,748,667 | 2,304 |
| Average equity | $30,627,000 | 2,433 |
| Average total loans | $183,731,000 | 2,369 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9789% | 3,850 |
| Cost of funding earning assets | 0.5037% | 3,927 |
| Net interest margin | 3.4752% | 3,064 |
| Noninterest income to average assets | 0.5188% | 2,449 |
| Noninterest expense to average assets | 2.6459% | 2,846 |
| Loan and lease loss provision to assets | 0.0287% | 3,429 |
| Net operating income to assets | 0.8954% | 2,542 |
| Return on assets (ROA) | 0.8954% | 2,642 |
| Pretax return on assets | 1.0966% | 2,535 |
| Return on Equity (ROE) | 8.2585% | 2,402 |
| Retained earnings to average equity (ytd only) | 8.2585% | 1,152 |
| Net charge-offs to loans | 0.0420% | 1,616 |
| Credit loss provision to net charge-offs | 105.2632% | 1,785 |
| Earnings coverage of net charge-offs (x) | 41.2105% | 1,014 |
| Efficiency ratio | 70.1601% | 2,328 |
| Assets per employee ($millions) | 5.8844% | 1,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2708% | 2,280 |
| Loan loss allowance to noncurrent loans | 362.6582% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.2480% | 3,463 |
| Noncurrent loans to loans | 0.3504% | 3,231 |
| Net loans and leases to total assets | 61.7570% | 3,326 |
| Net loans and leases to deposits | 71.6042% | 3,470 |
| Net loans and leases to core deposits | 75.5516% | 3,525 |
| Total domestic deposits to total assets | 86.2477% | 1,897 |
| Equity capital to assets | 10.6899% | 3,148 |
| Core capital (leverage) ratio | 10.7698% | 2,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $278,320,500 | 2,335 |
| Average earning assets | $260,474,000 | 2,321 |
| Average equity | $30,175,000 | 2,441 |
| Average total loans | $180,770,500 | 2,351 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2208% | 3,762 |
| Cost of funding earning assets | 0.5665% | 3,794 |
| Net interest margin | 3.6543% | 2,947 |
| Noninterest income to average assets | 0.4913% | 2,790 |
| Noninterest expense to average assets | 2.5999% | 3,174 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0685% | 2,586 |
| Return on assets (ROA) | 1.0700% | 2,673 |
| Pretax return on assets | 1.2946% | 2,521 |
| Return on Equity (ROE) | 9.9950% | 2,302 |
| Retained earnings to average equity (ytd only) | 5.3293% | 2,263 |
| Net charge-offs to loans | 0.0827% | 1,931 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 23.6081% | 1,810 |
| Efficiency ratio | 66.7902% | 2,649 |
| Assets per employee ($millions) | 5.4756% | 2,083 |
| Cash dividends to net income (ytd only)* | 46.6805% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2645% | 2,094 |
| Loan loss allowance to noncurrent loans | 280.7598% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.3351% | 3,081 |
| Noncurrent loans to loans | 0.4504% | 2,825 |
| Net loans and leases to total assets | 66.6742% | 2,876 |
| Net loans and leases to deposits | 77.6482% | 3,042 |
| Net loans and leases to core deposits | 81.8388% | 3,140 |
| Total domestic deposits to total assets | 85.8671% | 2,114 |
| Equity capital to assets | 11.0051% | 2,993 |
| Core capital (leverage) ratio | 10.7464% | 2,722 |
| Tier 1 risk-based capital ratio | 16.9267% | 2,071 |
| Total risk-based capital ratio | 18.1773% | 2,022 |
| Memoranda: | ||
| Average total assets | $270,280,600 | 2,331 |
| Average earning assets | $251,564,200 | 2,327 |
| Average equity | $28,934,400 | 2,451 |
| Average total loans | $179,058,800 | 2,328 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2191% | 3,881 |
| Cost of funding earning assets | 0.5704% | 3,816 |
| Net interest margin | 3.6487% | 3,097 |
| Noninterest income to average assets | 0.5032% | 2,711 |
| Noninterest expense to average assets | 2.6284% | 3,080 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0311% | 2,854 |
| Return on assets (ROA) | 1.0331% | 2,929 |
| Pretax return on assets | 1.2694% | 2,755 |
| Return on Equity (ROE) | 9.7173% | 2,556 |
| Retained earnings to average equity (ytd only) | 9.7173% | 824 |
| Net charge-offs to loans | 0.0769% | 1,726 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 24.9806% | 1,778 |
| Efficiency ratio | 67.4757% | 2,507 |
| Assets per employee ($millions) | 5.2012% | 2,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2885% | 2,020 |
| Loan loss allowance to noncurrent loans | 231.9762% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.4381% | 2,770 |
| Noncurrent loans to loans | 0.5555% | 2,634 |
| Net loans and leases to total assets | 66.1667% | 3,026 |
| Net loans and leases to deposits | 77.2565% | 3,175 |
| Net loans and leases to core deposits | 81.4871% | 3,280 |
| Total domestic deposits to total assets | 85.6454% | 2,141 |
| Equity capital to assets | 11.1948% | 2,935 |
| Core capital (leverage) ratio | 10.8208% | 2,817 |
| Tier 1 risk-based capital ratio | 16.8464% | 2,133 |
| Total risk-based capital ratio | 18.0970% | 2,080 |
| Memoranda: | ||
| Average total assets | $270,775,000 | 2,342 |
| Average earning assets | $251,735,750 | 2,345 |
| Average equity | $28,786,250 | 2,474 |
| Average total loans | $178,528,500 | 2,358 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1586% | 4,026 |
| Cost of funding earning assets | 0.5578% | 3,849 |
| Net interest margin | 3.6008% | 3,251 |
| Noninterest income to average assets | 0.4784% | 2,794 |
| Noninterest expense to average assets | 2.5989% | 3,202 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0012% | 2,916 |
| Return on assets (ROA) | 1.0012% | 2,985 |
| Pretax return on assets | 1.2301% | 2,812 |
| Return on Equity (ROE) | 9.5868% | 2,598 |
| Retained earnings to average equity (ytd only) | 9.5868% | 886 |
| Net charge-offs to loans | 0.0957% | 1,404 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 19.6000% | 1,813 |
| Efficiency ratio | 67.8750% | 2,553 |
| Assets per employee ($millions) | 4.6255% | 2,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3099% | 1,977 |
| Loan loss allowance to noncurrent loans | 276.0844% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.3768% | 3,002 |
| Noncurrent loans to loans | 0.4745% | 2,855 |
| Net loans and leases to total assets | 66.1357% | 3,084 |
| Net loans and leases to deposits | 76.9648% | 3,248 |
| Net loans and leases to core deposits | 81.3841% | 3,305 |
| Total domestic deposits to total assets | 85.9298% | 2,068 |
| Equity capital to assets | 10.9450% | 3,127 |
| Core capital (leverage) ratio | 10.6537% | 2,933 |
| Tier 1 risk-based capital ratio | 16.8832% | 2,122 |
| Total risk-based capital ratio | 18.1342% | 2,064 |
| Memoranda: | ||
| Average total assets | $270,878,670 | 2,351 |
| Average earning assets | $252,058,330 | 2,347 |
| Average equity | $28,289,000 | 2,497 |
| Average total loans | $177,607,000 | 2,370 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0747% | 4,197 |
| Cost of funding earning assets | 0.5360% | 3,890 |
| Net interest margin | 3.5387% | 3,467 |
| Noninterest income to average assets | 0.4130% | 3,089 |
| Noninterest expense to average assets | 2.7306% | 2,807 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7877% | 3,664 |
| Return on assets (ROA) | 0.7877% | 3,711 |
| Pretax return on assets | 0.9714% | 3,536 |
| Return on Equity (ROE) | 7.7256% | 3,364 |
| Retained earnings to average equity (ytd only) | 7.7256% | 1,760 |
| Net charge-offs to loans | 0.1949% | 718 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 7.6860% | 2,117 |
| Efficiency ratio | 73.7594% | 1,783 |
| Assets per employee ($millions) | 5.2394% | 2,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3307% | 1,952 |
| Loan loss allowance to noncurrent loans | 294.4931% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.2824% | 3,471 |
| Noncurrent loans to loans | 0.4518% | 2,962 |
| Net loans and leases to total assets | 61.6686% | 3,533 |
| Net loans and leases to deposits | 70.6269% | 3,722 |
| Net loans and leases to core deposits | 74.2243% | 3,783 |
| Total domestic deposits to total assets | 87.3161% | 1,659 |
| Equity capital to assets | 9.9510% | 3,871 |
| Core capital (leverage) ratio | 10.4284% | 3,135 |
| Tier 1 risk-based capital ratio | 16.7751% | 2,183 |
| Total risk-based capital ratio | 18.0263% | 2,134 |
| Memoranda: | ||
| Average total assets | $272,179,500 | 2,364 |
| Average earning assets | $252,973,000 | 2,359 |
| Average equity | $27,752,000 | 2,535 |
| Average total loans | $176,519,500 | 2,405 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9096% | 4,254 |
| Cost of funding earning assets | 0.3846% | 4,082 |
| Net interest margin | 3.5250% | 3,617 |
| Noninterest income to average assets | 0.4563% | 3,071 |
| Noninterest expense to average assets | 2.5078% | 3,592 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0002% | 3,009 |
| Return on assets (ROA) | 1.0005% | 2,995 |
| Pretax return on assets | 1.2255% | 2,789 |
| Return on Equity (ROE) | 10.0196% | 2,511 |
| Retained earnings to average equity (ytd only) | 5.6218% | 2,404 |
| Net charge-offs to loans | 0.0309% | 2,781 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 63.1698% | 991 |
| Efficiency ratio | 67.1797% | 2,681 |
| Assets per employee ($millions) | 4.7533% | 2,809 |
| Cash dividends to net income (ytd only)* | 43.8917% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3841% | 1,704 |
| Loan loss allowance to noncurrent loans | 518.9362% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.1798% | 3,907 |
| Noncurrent loans to loans | 0.2667% | 3,621 |
| Net loans and leases to total assets | 66.4684% | 3,061 |
| Net loans and leases to deposits | 76.6889% | 3,301 |
| Net loans and leases to core deposits | 80.8436% | 3,361 |
| Total domestic deposits to total assets | 86.6727% | 1,934 |
| Equity capital to assets | 10.4615% | 3,230 |
| Core capital (leverage) ratio | 10.5245% | 3,000 |
| Tier 1 risk-based capital ratio | 16.6397% | 2,189 |
| Total risk-based capital ratio | 17.8922% | 2,135 |
| Memoranda: | ||
| Average total assets | $273,268,800 | 2,306 |
| Average earning assets | $254,014,800 | 2,310 |
| Average equity | $27,286,600 | 2,498 |
| Average total loans | $171,374,400 | 2,429 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8194% | 4,393 |
| Cost of funding earning assets | 0.3527% | 4,169 |
| Net interest margin | 3.4668% | 3,813 |
| Noninterest income to average assets | 0.4470% | 3,187 |
| Noninterest expense to average assets | 2.5177% | 3,535 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9413% | 3,348 |
| Return on assets (ROA) | 0.9417% | 3,347 |
| Pretax return on assets | 1.1517% | 3,186 |
| Return on Equity (ROE) | 9.5387% | 2,825 |
| Retained earnings to average equity (ytd only) | 9.5387% | 1,040 |
| Net charge-offs to loans | 0.0392% | 2,300 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 47.6964% | 1,204 |
| Efficiency ratio | 68.6225% | 2,422 |
| Assets per employee ($millions) | 4.8840% | 2,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4029% | 1,684 |
| Loan loss allowance to noncurrent loans | 488.4000% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.1896% | 3,990 |
| Noncurrent loans to loans | 0.2872% | 3,657 |
| Net loans and leases to total assets | 65.0762% | 3,298 |
| Net loans and leases to deposits | 73.9332% | 3,599 |
| Net loans and leases to core deposits | 77.9148% | 3,663 |
| Total domestic deposits to total assets | 88.0203% | 1,230 |
| Equity capital to assets | 10.6583% | 2,973 |
| Core capital (leverage) ratio | 11.0069% | 2,569 |
| Tier 1 risk-based capital ratio | 17.5155% | 1,923 |
| Total risk-based capital ratio | 18.7681% | 1,882 |
| Memoranda: | ||
| Average total assets | $276,227,500 | 2,303 |
| Average earning assets | $256,714,750 | 2,299 |
| Average equity | $27,270,750 | 2,503 |
| Average total loans | $170,165,500 | 2,455 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7345% | 4,505 |
| Cost of funding earning assets | 0.3339% | 4,175 |
| Net interest margin | 3.4006% | 3,951 |
| Noninterest income to average assets | 0.4408% | 3,215 |
| Noninterest expense to average assets | 2.4887% | 3,658 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8989% | 3,458 |
| Return on assets (ROA) | 0.8995% | 3,464 |
| Pretax return on assets | 1.1206% | 3,230 |
| Return on Equity (ROE) | 9.3439% | 2,871 |
| Retained earnings to average equity (ytd only) | 9.3439% | 1,110 |
| Net charge-offs to loans | 0.0604% | 1,742 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 30.7843% | 1,478 |
| Efficiency ratio | 68.9662% | 2,495 |
| Assets per employee ($millions) | 4.5576% | 3,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4271% | 1,658 |
| Loan loss allowance to noncurrent loans | 335.3022% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.3775% | 3,229 |
| Noncurrent loans to loans | 0.4256% | 3,176 |
| Net loans and leases to total assets | 63.7845% | 3,427 |
| Net loans and leases to deposits | 72.2430% | 3,691 |
| Net loans and leases to core deposits | 75.8133% | 3,756 |
| Total domestic deposits to total assets | 88.2916% | 1,223 |
| Equity capital to assets | 10.4055% | 3,204 |
| Core capital (leverage) ratio | 9.9374% | 3,652 |
| Tier 1 risk-based capital ratio | 17.2337% | 2,024 |
| Total risk-based capital ratio | 18.4866% | 1,975 |
| Memoranda: | ||
| Average total assets | $280,391,000 | 2,287 |
| Average earning assets | $261,187,000 | 2,266 |
| Average equity | $26,991,000 | 2,532 |
| Average total loans | $168,863,330 | 2,472 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3233% | 5,107 |
| Cost of funding earning assets | 0.2958% | 4,383 |
| Net interest margin | 3.0275% | 4,839 |
| Noninterest income to average assets | 0.4341% | 3,212 |
| Noninterest expense to average assets | 2.3133% | 4,163 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7727% | 3,822 |
| Return on assets (ROA) | 0.7739% | 3,816 |
| Pretax return on assets | 0.9472% | 3,712 |
| Return on Equity (ROE) | 8.3491% | 3,221 |
| Retained earnings to average equity (ytd only) | 8.3491% | 1,711 |
| Net charge-offs to loans | -0.0453% | 4,927 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9787% | 2,343 |
| Assets per employee ($millions) | 5.5340% | 1,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5077% | 1,436 |
| Loan loss allowance to noncurrent loans | 453.4296% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.1968% | 4,096 |
| Noncurrent loans to loans | 0.3325% | 3,577 |
| Net loans and leases to total assets | 54.9126% | 4,213 |
| Net loans and leases to deposits | 61.0638% | 4,393 |
| Net loans and leases to core deposits | 63.5741% | 4,450 |
| Total domestic deposits to total assets | 89.9265% | 690 |
| Equity capital to assets | 8.9912% | 4,565 |
| Core capital (leverage) ratio | 9.6963% | 3,850 |
| Tier 1 risk-based capital ratio | 17.1344% | 2,082 |
| Total risk-based capital ratio | 18.3884% | 2,034 |
| Memoranda: | ||
| Average total assets | $288,416,500 | 2,258 |
| Average earning assets | $269,129,500 | 2,231 |
| Average equity | $26,733,500 | 2,570 |
| Average total loans | $167,770,500 | 2,497 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6561% | 4,435 |
| Cost of funding earning assets | 0.3000% | 4,143 |
| Net interest margin | 3.3562% | 3,987 |
| Noninterest income to average assets | 0.4795% | 3,126 |
| Noninterest expense to average assets | 2.5700% | 3,542 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7437% | 3,413 |
| Return on assets (ROA) | 0.7437% | 3,454 |
| Pretax return on assets | 1.0293% | 3,460 |
| Return on Equity (ROE) | 7.4492% | 3,059 |
| Retained earnings to average equity (ytd only) | 3.6851% | 3,026 |
| Net charge-offs to loans | -0.0090% | 4,760 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4032% | 2,319 |
| Assets per employee ($millions) | 5.1481% | 2,315 |
| Cash dividends to net income (ytd only)* | 50.5306% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4752% | 1,492 |
| Loan loss allowance to noncurrent loans | 364.3275% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.2460% | 3,909 |
| Noncurrent loans to loans | 0.4049% | 3,310 |
| Net loans and leases to total assets | 59.8706% | 3,844 |
| Net loans and leases to deposits | 67.0738% | 4,098 |
| Net loans and leases to core deposits | 70.2663% | 4,157 |
| Total domestic deposits to total assets | 89.2607% | 885 |
| Equity capital to assets | 9.5677% | 4,173 |
| Core capital (leverage) ratio | 9.6712% | 3,847 |
| Tier 1 risk-based capital ratio | 16.9015% | 2,126 |
| Total risk-based capital ratio | 18.1553% | 2,066 |
| Memoranda: | ||
| Average total assets | $266,103,800 | 2,365 |
| Average earning assets | $247,365,200 | 2,365 |
| Average equity | $26,566,600 | 2,571 |
| Average total loans | $167,063,000 | 2,457 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6879% | 4,354 |
| Cost of funding earning assets | 0.3004% | 4,129 |
| Net interest margin | 3.3875% | 3,894 |
| Noninterest income to average assets | 0.4854% | 3,117 |
| Noninterest expense to average assets | 2.6440% | 3,271 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7185% | 3,878 |
| Return on assets (ROA) | 0.7185% | 3,940 |
| Pretax return on assets | 0.9896% | 3,727 |
| Return on Equity (ROE) | 7.1186% | 3,589 |
| Retained earnings to average equity (ytd only) | 7.1186% | 1,632 |
| Net charge-offs to loans | -0.0120% | 4,683 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7653% | 2,081 |
| Assets per employee ($millions) | 4.8877% | 2,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4800% | 1,609 |
| Loan loss allowance to noncurrent loans | 371.9403% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.2448% | 4,079 |
| Noncurrent loans to loans | 0.3979% | 3,529 |
| Net loans and leases to total assets | 60.6055% | 3,798 |
| Net loans and leases to deposits | 68.0612% | 4,109 |
| Net loans and leases to core deposits | 71.3579% | 4,163 |
| Total domestic deposits to total assets | 89.0455% | 861 |
| Equity capital to assets | 9.9871% | 3,923 |
| Core capital (leverage) ratio | 10.0029% | 3,560 |
| Tier 1 risk-based capital ratio | 17.1775% | 2,108 |
| Total risk-based capital ratio | 18.4313% | 2,056 |
| Memoranda: | ||
| Average total assets | $263,130,250 | 2,407 |
| Average earning assets | $244,540,750 | 2,402 |
| Average equity | $26,558,750 | 2,589 |
| Average total loans | $166,596,000 | 2,474 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6538% | 4,355 |
| Cost of funding earning assets | 0.2988% | 4,093 |
| Net interest margin | 3.3550% | 3,930 |
| Noninterest income to average assets | 0.4915% | 3,075 |
| Noninterest expense to average assets | 2.6456% | 3,285 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6980% | 3,865 |
| Return on assets (ROA) | 0.6980% | 3,926 |
| Pretax return on assets | 0.9599% | 3,725 |
| Return on Equity (ROE) | 6.8898% | 3,614 |
| Retained earnings to average equity (ytd only) | 6.8898% | 1,645 |
| Net charge-offs to loans | -0.0157% | 4,682 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3761% | 2,113 |
| Assets per employee ($millions) | 4.4830% | 3,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5119% | 1,538 |
| Loan loss allowance to noncurrent loans | 301.4528% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.3123% | 3,874 |
| Noncurrent loans to loans | 0.5015% | 3,250 |
| Net loans and leases to total assets | 61.3250% | 3,709 |
| Net loans and leases to deposits | 69.0177% | 3,986 |
| Net loans and leases to core deposits | 72.8800% | 4,027 |
| Total domestic deposits to total assets | 88.8540% | 1,030 |
| Equity capital to assets | 10.1528% | 3,730 |
| Core capital (leverage) ratio | 10.1659% | 3,316 |
| Tier 1 risk-based capital ratio | 17.4846% | 2,015 |
| Total risk-based capital ratio | 18.7395% | 1,968 |
| Memoranda: | ||
| Average total assets | $259,602,670 | 2,441 |
| Average earning assets | $240,956,000 | 2,440 |
| Average equity | $26,299,670 | 2,610 |
| Average total loans | $166,002,330 | 2,485 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5954% | 4,434 |
| Cost of funding earning assets | 0.2929% | 4,117 |
| Net interest margin | 3.3025% | 4,000 |
| Noninterest income to average assets | 0.4744% | 3,156 |
| Noninterest expense to average assets | 2.7377% | 2,998 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6035% | 4,148 |
| Return on assets (ROA) | 0.6035% | 4,201 |
| Pretax return on assets | 0.8057% | 4,092 |
| Return on Equity (ROE) | 5.9641% | 3,929 |
| Retained earnings to average equity (ytd only) | 5.9641% | 2,362 |
| Net charge-offs to loans | -0.0072% | 4,295 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2608% | 1,725 |
| Assets per employee ($millions) | 4.5491% | 3,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4966% | 1,705 |
| Loan loss allowance to noncurrent loans | 284.7302% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.3359% | 3,852 |
| Noncurrent loans to loans | 0.5256% | 3,239 |
| Net loans and leases to total assets | 62.9485% | 3,406 |
| Net loans and leases to deposits | 70.8471% | 3,710 |
| Net loans and leases to core deposits | 74.8826% | 3,750 |
| Total domestic deposits to total assets | 88.8512% | 1,226 |
| Equity capital to assets | 10.1245% | 3,597 |
| Core capital (leverage) ratio | 10.3001% | 3,108 |
| Tier 1 risk-based capital ratio | 16.9426% | 2,197 |
| Total risk-based capital ratio | 18.1967% | 2,153 |
| Memoranda: | ||
| Average total assets | $257,154,500 | 2,485 |
| Average earning assets | $238,972,000 | 2,476 |
| Average equity | $26,022,500 | 2,637 |
| Average total loans | $166,656,500 | 2,495 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7366% | 4,105 |
| Cost of funding earning assets | 0.2878% | 4,191 |
| Net interest margin | 3.4488% | 3,633 |
| Noninterest income to average assets | 0.5732% | 2,796 |
| Noninterest expense to average assets | 2.6674% | 3,459 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8113% | 3,254 |
| Return on assets (ROA) | 0.8125% | 3,357 |
| Pretax return on assets | 1.1145% | 3,047 |
| Return on Equity (ROE) | 7.7798% | 3,064 |
| Retained earnings to average equity (ytd only) | 2.8001% | 3,910 |
| Net charge-offs to loans | 0.0868% | 2,456 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 19.3194% | 1,920 |
| Efficiency ratio | 70.5608% | 2,820 |
| Assets per employee ($millions) | 4.3967% | 3,282 |
| Cash dividends to net income (ytd only)* | 64.0079% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4779% | 1,764 |
| Loan loss allowance to noncurrent loans | 244.5212% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.3972% | 3,682 |
| Noncurrent loans to loans | 0.6044% | 3,038 |
| Net loans and leases to total assets | 64.7548% | 3,249 |
| Net loans and leases to deposits | 73.1648% | 3,599 |
| Net loans and leases to core deposits | 77.3443% | 3,617 |
| Total domestic deposits to total assets | 88.5055% | 1,375 |
| Equity capital to assets | 10.1142% | 3,590 |
| Core capital (leverage) ratio | 10.1624% | 3,281 |
| Tier 1 risk-based capital ratio | 16.5628% | 2,324 |
| Total risk-based capital ratio | 17.8168% | 2,263 |
| Memoranda: | ||
| Average total assets | $249,984,600 | 2,508 |
| Average earning assets | $232,455,400 | 2,497 |
| Average equity | $26,106,200 | 2,627 |
| Average total loans | $165,951,200 | 2,455 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7458% | 4,096 |
| Cost of funding earning assets | 0.2826% | 4,276 |
| Net interest margin | 3.4632% | 3,617 |
| Noninterest income to average assets | 0.5913% | 2,710 |
| Noninterest expense to average assets | 2.6636% | 3,452 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8341% | 3,222 |
| Return on assets (ROA) | 0.8357% | 3,335 |
| Pretax return on assets | 1.1493% | 3,056 |
| Return on Equity (ROE) | 7.9382% | 3,043 |
| Retained earnings to average equity (ytd only) | 7.9382% | 1,199 |
| Net charge-offs to loans | 0.0910% | 2,052 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 18.9384% | 1,968 |
| Efficiency ratio | 69.8973% | 2,900 |
| Assets per employee ($millions) | 4.3027% | 3,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4875% | 1,807 |
| Loan loss allowance to noncurrent loans | 246.3654% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.4010% | 3,819 |
| Noncurrent loans to loans | 0.6038% | 3,203 |
| Net loans and leases to total assets | 65.4282% | 3,214 |
| Net loans and leases to deposits | 74.2110% | 3,575 |
| Net loans and leases to core deposits | 78.4841% | 3,613 |
| Total domestic deposits to total assets | 88.1651% | 1,312 |
| Equity capital to assets | 10.6535% | 3,405 |
| Core capital (leverage) ratio | 10.8218% | 2,655 |
| Tier 1 risk-based capital ratio | 17.0690% | 2,200 |
| Total risk-based capital ratio | 18.3231% | 2,158 |
| Memoranda: | ||
| Average total assets | $248,728,750 | 2,525 |
| Average earning assets | $231,222,500 | 2,516 |
| Average equity | $26,184,750 | 2,641 |
| Average total loans | $165,537,250 | 2,463 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7299% | 4,191 |
| Cost of funding earning assets | 0.2779% | 4,373 |
| Net interest margin | 3.4519% | 3,673 |
| Noninterest income to average assets | 0.6404% | 2,414 |
| Noninterest expense to average assets | 2.7099% | 3,359 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8267% | 3,186 |
| Return on assets (ROA) | 0.8267% | 3,323 |
| Pretax return on assets | 1.1384% | 3,048 |
| Return on Equity (ROE) | 7.8848% | 3,044 |
| Retained earnings to average equity (ytd only) | 7.8848% | 1,208 |
| Net charge-offs to loans | 0.1447% | 1,460 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 11.8151% | 2,229 |
| Efficiency ratio | 70.4187% | 2,916 |
| Assets per employee ($millions) | 4.1859% | 3,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4935% | 1,888 |
| Loan loss allowance to noncurrent loans | 241.9729% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.4424% | 3,737 |
| Noncurrent loans to loans | 0.6172% | 3,212 |
| Net loans and leases to total assets | 67.9707% | 2,779 |
| Net loans and leases to deposits | 77.4847% | 3,211 |
| Net loans and leases to core deposits | 82.1723% | 3,251 |
| Total domestic deposits to total assets | 87.7214% | 1,562 |
| Equity capital to assets | 10.9325% | 3,130 |
| Core capital (leverage) ratio | 10.3930% | 3,084 |
| Tier 1 risk-based capital ratio | 16.7428% | 2,334 |
| Total risk-based capital ratio | 17.9971% | 2,285 |
| Memoranda: | ||
| Average total assets | $247,018,330 | 2,559 |
| Average earning assets | $229,553,000 | 2,540 |
| Average equity | $25,898,000 | 2,675 |
| Average total loans | $164,515,000 | 2,480 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6665% | 4,434 |
| Cost of funding earning assets | 0.2710% | 4,486 |
| Net interest margin | 3.3955% | 3,885 |
| Noninterest income to average assets | 0.5282% | 2,946 |
| Noninterest expense to average assets | 2.7519% | 3,231 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6936% | 3,747 |
| Return on assets (ROA) | 0.6936% | 3,857 |
| Pretax return on assets | 0.9344% | 3,713 |
| Return on Equity (ROE) | 6.7563% | 3,587 |
| Retained earnings to average equity (ytd only) | 6.7563% | 2,006 |
| Net charge-offs to loans | 0.2945% | 724 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 4.8500% | 2,388 |
| Efficiency ratio | 74.6516% | 2,381 |
| Assets per employee ($millions) | 4.4388% | 3,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5104% | 1,939 |
| Loan loss allowance to noncurrent loans | 453.9020% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.2378% | 4,606 |
| Noncurrent loans to loans | 0.3328% | 4,242 |
| Net loans and leases to total assets | 65.6067% | 3,009 |
| Net loans and leases to deposits | 74.4916% | 3,379 |
| Net loans and leases to core deposits | 79.0277% | 3,406 |
| Total domestic deposits to total assets | 88.0727% | 1,604 |
| Equity capital to assets | 10.4087% | 3,603 |
| Core capital (leverage) ratio | 10.3091% | 3,185 |
| Tier 1 risk-based capital ratio | 16.4406% | 2,500 |
| Total risk-based capital ratio | 17.6948% | 2,452 |
| Memoranda: | ||
| Average total assets | $249,137,000 | 2,548 |
| Average earning assets | $231,718,000 | 2,533 |
| Average equity | $25,576,000 | 2,700 |
| Average total loans | $163,011,500 | 2,495 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7752% | 4,116 |
| Cost of funding earning assets | 0.3007% | 4,244 |
| Net interest margin | 3.4744% | 3,619 |
| Noninterest income to average assets | 0.5396% | 3,079 |
| Noninterest expense to average assets | 2.6574% | 3,737 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8084% | 3,308 |
| Return on assets (ROA) | 0.8084% | 3,380 |
| Pretax return on assets | 1.1013% | 3,057 |
| Return on Equity (ROE) | 7.7768% | 3,088 |
| Retained earnings to average equity (ytd only) | 2.8498% | 4,039 |
| Net charge-offs to loans | 0.0503% | 3,196 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 33.1852% | 1,349 |
| Efficiency ratio | 70.6998% | 3,111 |
| Assets per employee ($millions) | 4.5400% | 2,982 |
| Cash dividends to net income (ytd only)* | 63.3553% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6336% | 1,516 |
| Loan loss allowance to noncurrent loans | 440.5042% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.2703% | 4,512 |
| Noncurrent loans to loans | 0.3709% | 4,117 |
| Net loans and leases to total assets | 63.2037% | 3,385 |
| Net loans and leases to deposits | 71.7160% | 3,748 |
| Net loans and leases to core deposits | 77.1922% | 3,646 |
| Total domestic deposits to total assets | 88.1307% | 1,563 |
| Equity capital to assets | 10.1237% | 3,838 |
| Core capital (leverage) ratio | 10.0774% | 3,404 |
| Tier 1 risk-based capital ratio | 16.5671% | 2,446 |
| Total risk-based capital ratio | 17.8229% | 2,398 |
| Memoranda: | ||
| Average total assets | $244,074,200 | 2,545 |
| Average earning assets | $226,136,600 | 2,539 |
| Average equity | $25,370,200 | 2,662 |
| Average total loans | $161,064,000 | 2,454 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7903% | 4,118 |
| Cost of funding earning assets | 0.3069% | 4,256 |
| Net interest margin | 3.4834% | 3,612 |
| Noninterest income to average assets | 0.5439% | 3,082 |
| Noninterest expense to average assets | 2.7082% | 3,534 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7824% | 3,513 |
| Return on assets (ROA) | 0.7824% | 3,599 |
| Pretax return on assets | 1.0599% | 3,379 |
| Return on Equity (ROE) | 7.4769% | 3,351 |
| Retained earnings to average equity (ytd only) | 7.4769% | 1,459 |
| Net charge-offs to loans | 0.0529% | 2,852 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 30.1411% | 1,489 |
| Efficiency ratio | 71.8723% | 2,909 |
| Assets per employee ($millions) | 4.3672% | 3,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6244% | 1,698 |
| Loan loss allowance to noncurrent loans | 433.3333% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.3341% | 4,433 |
| Noncurrent loans to loans | 0.3749% | 4,273 |
| Net loans and leases to total assets | 65.3484% | 3,102 |
| Net loans and leases to deposits | 74.2832% | 3,514 |
| Net loans and leases to core deposits | 80.1635% | 3,414 |
| Total domestic deposits to total assets | 87.9720% | 1,576 |
| Equity capital to assets | 10.6913% | 3,367 |
| Core capital (leverage) ratio | 10.5183% | 3,025 |
| Tier 1 risk-based capital ratio | 17.0593% | 2,356 |
| Total risk-based capital ratio | 18.3155% | 2,301 |
| Memoranda: | ||
| Average total assets | $242,667,250 | 2,574 |
| Average earning assets | $224,603,250 | 2,570 |
| Average equity | $25,393,000 | 2,684 |
| Average total loans | $161,219,500 | 2,464 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7714% | 4,169 |
| Cost of funding earning assets | 0.3109% | 4,268 |
| Net interest margin | 3.4606% | 3,658 |
| Noninterest income to average assets | 0.5396% | 3,112 |
| Noninterest expense to average assets | 2.7260% | 3,505 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7503% | 3,644 |
| Return on assets (ROA) | 0.7503% | 3,741 |
| Pretax return on assets | 1.0147% | 3,525 |
| Return on Equity (ROE) | 7.2231% | 3,472 |
| Retained earnings to average equity (ytd only) | 7.2231% | 1,607 |
| Net charge-offs to loans | 0.0199% | 3,285 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 76.7500% | 727 |
| Efficiency ratio | 72.8739% | 2,863 |
| Assets per employee ($millions) | 4.3221% | 3,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6431% | 1,775 |
| Loan loss allowance to noncurrent loans | 404.6687% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.3621% | 4,448 |
| Noncurrent loans to loans | 0.4060% | 4,263 |
| Net loans and leases to total assets | 65.2867% | 3,082 |
| Net loans and leases to deposits | 73.9444% | 3,497 |
| Net loans and leases to core deposits | 79.7146% | 3,423 |
| Total domestic deposits to total assets | 88.2916% | 1,499 |
| Equity capital to assets | 10.3762% | 3,586 |
| Core capital (leverage) ratio | 10.1954% | 3,343 |
| Tier 1 risk-based capital ratio | 17.3554% | 2,266 |
| Total risk-based capital ratio | 18.6127% | 2,228 |
| Memoranda: | ||
| Average total assets | $242,035,330 | 2,596 |
| Average earning assets | $223,893,000 | 2,594 |
| Average equity | $25,141,670 | 2,713 |
| Average total loans | $160,807,000 | 2,476 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7524% | 4,190 |
| Cost of funding earning assets | 0.3156% | 4,271 |
| Net interest margin | 3.4369% | 3,681 |
| Noninterest income to average assets | 0.5169% | 3,173 |
| Noninterest expense to average assets | 2.7965% | 3,264 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6737% | 3,926 |
| Return on assets (ROA) | 0.6737% | 4,046 |
| Pretax return on assets | 0.8988% | 3,900 |
| Return on Equity (ROE) | 6.4819% | 3,777 |
| Retained earnings to average equity (ytd only) | 6.4819% | 2,244 |
| Net charge-offs to loans | 0.0050% | 3,148 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 269.5000% | 215 |
| Efficiency ratio | 75.6769% | 2,555 |
| Assets per employee ($millions) | 4.3985% | 3,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6775% | 1,796 |
| Loan loss allowance to noncurrent loans | 430.7815% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.2592% | 4,910 |
| Noncurrent loans to loans | 0.3894% | 4,424 |
| Net loans and leases to total assets | 65.4386% | 2,857 |
| Net loans and leases to deposits | 74.2245% | 3,285 |
| Net loans and leases to core deposits | 80.1216% | 3,144 |
| Total domestic deposits to total assets | 88.1630% | 1,727 |
| Equity capital to assets | 10.4196% | 3,624 |
| Core capital (leverage) ratio | 10.4561% | 3,026 |
| Tier 1 risk-based capital ratio | 14.7707% | 3,562 |
| Total risk-based capital ratio | 14.9350% | 4,136 |
| Memoranda: | ||
| Average total assets | $239,872,500 | 2,634 |
| Average earning assets | $221,829,500 | 2,625 |
| Average equity | $24,931,000 | 2,757 |
| Average total loans | $159,446,500 | 2,496 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9255% | 4,036 |
| Cost of funding earning assets | 0.3537% | 4,214 |
| Net interest margin | 3.5718% | 3,511 |
| Noninterest income to average assets | 0.5543% | 3,152 |
| Noninterest expense to average assets | 2.6876% | 3,912 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8521% | 3,109 |
| Return on assets (ROA) | 0.8536% | 3,198 |
| Pretax return on assets | 1.1576% | 2,832 |
| Return on Equity (ROE) | 8.1183% | 3,068 |
| Retained earnings to average equity (ytd only) | 2.8624% | 4,199 |
| Net charge-offs to loans | 0.0046% | 4,861 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 388.2857% | 137 |
| Efficiency ratio | 69.9336% | 3,537 |
| Assets per employee ($millions) | 4.3241% | 3,323 |
| Cash dividends to net income (ytd only)* | 64.7410% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7114% | 1,747 |
| Loan loss allowance to noncurrent loans | 342.0253% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.3322% | 4,719 |
| Noncurrent loans to loans | 0.5004% | 4,163 |
| Net loans and leases to total assets | 65.2501% | 3,011 |
| Net loans and leases to deposits | 74.0392% | 3,431 |
| Net loans and leases to core deposits | 80.4409% | 3,245 |
| Total domestic deposits to total assets | 88.1291% | 1,705 |
| Equity capital to assets | 10.3669% | 3,648 |
| Core capital (leverage) ratio | 10.1298% | 3,395 |
| Tier 1 risk-based capital ratio | 16.2192% | 2,852 |
| Total risk-based capital ratio | 17.4759% | 2,788 |
| Memoranda: | ||
| Average total assets | $235,231,400 | 2,655 |
| Average earning assets | $216,583,000 | 2,649 |
| Average equity | $24,734,200 | 2,692 |
| Average total loans | $153,765,000 | 2,517 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9645% | 3,909 |
| Cost of funding earning assets | 0.3578% | 4,258 |
| Net interest margin | 3.6068% | 3,402 |
| Noninterest income to average assets | 0.5343% | 3,298 |
| Noninterest expense to average assets | 2.6622% | 3,976 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8749% | 3,047 |
| Return on assets (ROA) | 0.8770% | 3,133 |
| Pretax return on assets | 1.1924% | 2,806 |
| Return on Equity (ROE) | 8.3109% | 3,031 |
| Retained earnings to average equity (ytd only) | 8.3109% | 1,215 |
| Net charge-offs to loans | 0.0306% | 3,875 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 59.7943% | 865 |
| Efficiency ratio | 69.1161% | 3,659 |
| Assets per employee ($millions) | 4.3311% | 3,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7029% | 1,963 |
| Loan loss allowance to noncurrent loans | 393.8144% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.2850% | 5,131 |
| Noncurrent loans to loans | 0.4324% | 4,606 |
| Net loans and leases to total assets | 64.7958% | 3,060 |
| Net loans and leases to deposits | 73.6739% | 3,473 |
| Net loans and leases to core deposits | 80.0340% | 3,310 |
| Total domestic deposits to total assets | 87.9494% | 1,797 |
| Equity capital to assets | 10.7173% | 3,273 |
| Core capital (leverage) ratio | 10.7651% | 2,733 |
| Tier 1 risk-based capital ratio | 16.7497% | 2,707 |
| Total risk-based capital ratio | 18.0058% | 2,652 |
| Memoranda: | ||
| Average total assets | $234,583,000 | 2,676 |
| Average earning assets | $215,773,750 | 2,671 |
| Average equity | $24,754,000 | 2,692 |
| Average total loans | $152,735,500 | 2,531 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9597% | 3,900 |
| Cost of funding earning assets | 0.3626% | 4,286 |
| Net interest margin | 3.5971% | 3,367 |
| Noninterest income to average assets | 0.5219% | 3,326 |
| Noninterest expense to average assets | 2.6438% | 4,080 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8681% | 2,964 |
| Return on assets (ROA) | 0.8681% | 3,055 |
| Pretax return on assets | 1.1852% | 2,735 |
| Return on Equity (ROE) | 8.2710% | 2,947 |
| Retained earnings to average equity (ytd only) | 8.2710% | 1,225 |
| Net charge-offs to loans | 0.0542% | 3,189 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 33.7317% | 1,177 |
| Efficiency ratio | 69.0466% | 3,830 |
| Assets per employee ($millions) | 4.2251% | 3,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7389% | 2,008 |
| Loan loss allowance to noncurrent loans | 806.0423% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.1424% | 5,721 |
| Noncurrent loans to loans | 0.2157% | 5,365 |
| Net loans and leases to total assets | 64.8785% | 2,928 |
| Net loans and leases to deposits | 73.8963% | 3,330 |
| Net loans and leases to core deposits | 79.8415% | 3,231 |
| Total domestic deposits to total assets | 87.7967% | 2,039 |
| Equity capital to assets | 10.7820% | 3,111 |
| Core capital (leverage) ratio | 10.5255% | 2,914 |
| Tier 1 risk-based capital ratio | 16.6843% | 2,750 |
| Total risk-based capital ratio | 17.9408% | 2,711 |
| Memoranda: | ||
| Average total assets | $233,373,000 | 2,696 |
| Average earning assets | $214,559,670 | 2,689 |
| Average equity | $24,495,330 | 2,708 |
| Average total loans | $151,305,330 | 2,560 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9925% | 3,718 |
| Cost of funding earning assets | 0.3741% | 4,264 |
| Net interest margin | 3.6184% | 3,181 |
| Noninterest income to average assets | 0.4994% | 3,413 |
| Noninterest expense to average assets | 2.6733% | 4,024 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8347% | 2,981 |
| Return on assets (ROA) | 0.8347% | 3,053 |
| Pretax return on assets | 1.1511% | 2,692 |
| Return on Equity (ROE) | 8.0610% | 2,895 |
| Retained earnings to average equity (ytd only) | 8.0610% | 1,571 |
| Net charge-offs to loans | 0.0666% | 2,486 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 26.9200% | 1,119 |
| Efficiency ratio | 69.9016% | 3,853 |
| Assets per employee ($millions) | 4.2611% | 3,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7787% | 2,108 |
| Loan loss allowance to noncurrent loans | 1,009.0226% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.1135% | 5,911 |
| Noncurrent loans to loans | 0.1763% | 5,566 |
| Net loans and leases to total assets | 63.2396% | 3,026 |
| Net loans and leases to deposits | 71.8053% | 3,364 |
| Net loans and leases to core deposits | 77.9990% | 3,201 |
| Total domestic deposits to total assets | 88.0710% | 2,196 |
| Equity capital to assets | 10.4377% | 3,312 |
| Core capital (leverage) ratio | 10.3823% | 3,073 |
| Tier 1 risk-based capital ratio | 16.5561% | 2,867 |
| Total risk-based capital ratio | 17.8135% | 2,837 |
| Memoranda: | ||
| Average total assets | $233,870,000 | 2,704 |
| Average earning assets | $214,901,000 | 2,696 |
| Average equity | $24,215,500 | 2,729 |
| Average total loans | $150,242,000 | 2,579 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9652% | 4,217 |
| Cost of funding earning assets | 0.4136% | 4,496 |
| Net interest margin | 3.5516% | 3,670 |
| Noninterest income to average assets | 0.6930% | 2,579 |
| Noninterest expense to average assets | 2.8010% | 3,718 |
| Loan and lease loss provision to assets | 0.0415% | 4,284 |
| Net operating income to assets | 0.8301% | 3,134 |
| Return on assets (ROA) | 0.8301% | 3,219 |
| Pretax return on assets | 1.1194% | 2,888 |
| Return on Equity (ROE) | 8.1965% | 2,928 |
| Retained earnings to average equity (ytd only) | 3.2289% | 3,932 |
| Net charge-offs to loans | 0.0525% | 4,491 |
| Credit loss provision to net charge-offs | 130.2632% | 1,802 |
| Earnings coverage of net charge-offs (x) | 36.4342% | 1,026 |
| Efficiency ratio | 70.6984% | 3,724 |
| Assets per employee ($millions) | 4.2433% | 3,369 |
| Cash dividends to net income (ytd only)* | 60.6061% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8109% | 2,033 |
| Loan loss allowance to noncurrent loans | 1,198.6726% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.0968% | 6,051 |
| Noncurrent loans to loans | 0.1511% | 5,744 |
| Net loans and leases to total assets | 62.9371% | 3,214 |
| Net loans and leases to deposits | 71.2895% | 3,619 |
| Net loans and leases to core deposits | 77.9198% | 3,374 |
| Total domestic deposits to total assets | 88.2839% | 2,014 |
| Equity capital to assets | 10.2704% | 3,422 |
| Core capital (leverage) ratio | 10.0016% | 3,578 |
| Tier 1 risk-based capital ratio | 16.3237% | 2,952 |
| Total risk-based capital ratio | 17.5815% | 2,903 |
| Memoranda: | ||
| Average total assets | $238,518,000 | 2,634 |
| Average earning assets | $219,534,600 | 2,625 |
| Average equity | $24,156,600 | 2,713 |
| Average total loans | $144,772,600 | 2,628 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9608% | 4,282 |
| Cost of funding earning assets | 0.4190% | 4,634 |
| Net interest margin | 3.5419% | 3,701 |
| Noninterest income to average assets | 0.7462% | 2,380 |
| Noninterest expense to average assets | 2.8473% | 3,497 |
| Loan and lease loss provision to assets | 0.0473% | 4,074 |
| Net operating income to assets | 0.8262% | 3,223 |
| Return on assets (ROA) | 0.8262% | 3,342 |
| Pretax return on assets | 1.1137% | 3,053 |
| Return on Equity (ROE) | 8.1859% | 3,027 |
| Retained earnings to average equity (ytd only) | 8.1859% | 1,343 |
| Net charge-offs to loans | 0.0390% | 4,367 |
| Credit loss provision to net charge-offs | 202.3810% | 1,192 |
| Earnings coverage of net charge-offs (x) | 49.7130% | 870 |
| Efficiency ratio | 71.0362% | 3,601 |
| Assets per employee ($millions) | 4.3528% | 3,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8466% | 2,154 |
| Loan loss allowance to noncurrent loans | 957.5439% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.1190% | 6,070 |
| Noncurrent loans to loans | 0.1928% | 5,758 |
| Net loans and leases to total assets | 60.5924% | 3,597 |
| Net loans and leases to deposits | 68.7296% | 3,968 |
| Net loans and leases to core deposits | 77.0669% | 3,488 |
| Total domestic deposits to total assets | 88.1605% | 2,023 |
| Equity capital to assets | 10.3152% | 3,484 |
| Core capital (leverage) ratio | 10.2476% | 3,331 |
| Tier 1 risk-based capital ratio | 17.1293% | 2,656 |
| Total risk-based capital ratio | 18.3878% | 2,614 |
| Memoranda: | ||
| Average total assets | $239,802,750 | 2,647 |
| Average earning assets | $220,856,500 | 2,622 |
| Average equity | $24,203,500 | 2,737 |
| Average total loans | $143,568,000 | 2,662 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8952% | 4,498 |
| Cost of funding earning assets | 0.4222% | 4,736 |
| Net interest margin | 3.4731% | 3,908 |
| Noninterest income to average assets | 0.8469% | 2,011 |
| Noninterest expense to average assets | 2.8724% | 3,430 |
| Loan and lease loss provision to assets | 0.0250% | 4,421 |
| Net operating income to assets | 0.8477% | 3,056 |
| Return on assets (ROA) | 0.8477% | 3,207 |
| Pretax return on assets | 1.1520% | 2,876 |
| Return on Equity (ROE) | 8.4610% | 2,872 |
| Retained earnings to average equity (ytd only) | 8.4610% | 1,310 |
| Net charge-offs to loans | -0.0113% | 5,798 |
| Credit loss provision to net charge-offs | -375.0000% | 5,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9345% | 3,654 |
| Assets per employee ($millions) | 4.0315% | 3,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8702% | 2,194 |
| Loan loss allowance to noncurrent loans | 794.1691% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.1505% | 6,041 |
| Noncurrent loans to loans | 0.2355% | 5,717 |
| Net loans and leases to total assets | 60.0906% | 3,640 |
| Net loans and leases to deposits | 68.0510% | 4,004 |
| Net loans and leases to core deposits | 78.0617% | 3,278 |
| Total domestic deposits to total assets | 88.3023% | 2,045 |
| Equity capital to assets | 10.2048% | 3,655 |
| Core capital (leverage) ratio | 9.9281% | 3,624 |
| Tier 1 risk-based capital ratio | 17.0016% | 2,714 |
| Total risk-based capital ratio | 18.2603% | 2,682 |
| Memoranda: | ||
| Average total assets | $239,936,000 | 2,650 |
| Average earning assets | $221,244,670 | 2,626 |
| Average equity | $24,039,670 | 2,766 |
| Average total loans | $142,161,000 | 2,682 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8882% | 4,519 |
| Cost of funding earning assets | 0.4262% | 4,848 |
| Net interest margin | 3.4620% | 3,853 |
| Noninterest income to average assets | 0.4980% | 3,782 |
| Noninterest expense to average assets | 2.9829% | 3,041 |
| Loan and lease loss provision to assets | 0.0498% | 3,793 |
| Net operating income to assets | 0.5196% | 4,569 |
| Return on assets (ROA) | 0.5196% | 4,715 |
| Pretax return on assets | 0.6607% | 4,752 |
| Return on Equity (ROE) | 5.2335% | 4,443 |
| Retained earnings to average equity (ytd only) | 5.2335% | 3,095 |
| Net charge-offs to loans | 0.0028% | 4,113 |
| Credit loss provision to net charge-offs | 3,000.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 428.0000% | 79 |
| Efficiency ratio | 80.7640% | 2,214 |
| Assets per employee ($millions) | 4.1324% | 3,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9234% | 2,235 |
| Loan loss allowance to noncurrent loans | 557.4949% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.2170% | 5,914 |
| Noncurrent loans to loans | 0.3450% | 5,538 |
| Net loans and leases to total assets | 57.7611% | 3,807 |
| Net loans and leases to deposits | 65.3663% | 4,138 |
| Net loans and leases to core deposits | 74.9962% | 3,469 |
| Total domestic deposits to total assets | 88.3652% | 2,092 |
| Equity capital to assets | 10.0452% | 4,092 |
| Core capital (leverage) ratio | 9.6892% | 3,810 |
| Tier 1 risk-based capital ratio | 17.0207% | 2,738 |
| Total risk-based capital ratio | 18.2801% | 2,708 |
| Memoranda: | ||
| Average total assets | $240,974,500 | 2,663 |
| Average earning assets | $222,415,000 | 2,647 |
| Average equity | $23,923,000 | 2,810 |
| Average total loans | $140,414,000 | 2,720 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2179% | 4,518 |
| Cost of funding earning assets | 0.5171% | 5,098 |
| Net interest margin | 3.7008% | 3,640 |
| Noninterest income to average assets | 0.5481% | 3,598 |
| Noninterest expense to average assets | 2.7779% | 4,117 |
| Loan and lease loss provision to assets | 0.1255% | 4,047 |
| Net operating income to assets | 0.7914% | 3,321 |
| Return on assets (ROA) | 0.7921% | 3,570 |
| Pretax return on assets | 1.0536% | 3,344 |
| Return on Equity (ROE) | 8.0137% | 3,071 |
| Retained earnings to average equity (ytd only) | 3.7804% | 3,552 |
| Net charge-offs to loans | 0.1612% | 4,092 |
| Credit loss provision to net charge-offs | 131.0044% | 2,137 |
| Earnings coverage of net charge-offs (x) | 12.2969% | 1,944 |
| Efficiency ratio | 70.2168% | 3,770 |
| Assets per employee ($millions) | 4.1771% | 3,598 |
| Cash dividends to net income (ytd only)* | 52.8262% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9231% | 2,222 |
| Loan loss allowance to noncurrent loans | 357.6565% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.3236% | 5,700 |
| Noncurrent loans to loans | 0.5377% | 5,182 |
| Net loans and leases to total assets | 56.5426% | 4,197 |
| Net loans and leases to deposits | 63.8113% | 4,557 |
| Net loans and leases to core deposits | 73.3461% | 3,871 |
| Total domestic deposits to total assets | 88.6091% | 1,834 |
| Equity capital to assets | 9.8113% | 4,436 |
| Core capital (leverage) ratio | 9.3498% | 4,336 |
| Tier 1 risk-based capital ratio | 16.9426% | 2,683 |
| Total risk-based capital ratio | 18.2016% | 2,640 |
| Memoranda: | ||
| Average total assets | $238,995,000 | 2,646 |
| Average earning assets | $220,085,200 | 2,614 |
| Average equity | $23,622,000 | 2,784 |
| Average total loans | $142,019,600 | 2,689 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2463% | 4,658 |
| Cost of funding earning assets | 0.5366% | 5,192 |
| Net interest margin | 3.7097% | 3,756 |
| Noninterest income to average assets | 0.5531% | 3,589 |
| Noninterest expense to average assets | 2.8628% | 3,739 |
| Loan and lease loss provision to assets | 0.1092% | 4,207 |
| Net operating income to assets | 0.7515% | 3,687 |
| Return on assets (ROA) | 0.7524% | 3,936 |
| Pretax return on assets | 0.9959% | 3,734 |
| Return on Equity (ROE) | 7.5979% | 3,476 |
| Retained earnings to average equity (ytd only) | 7.5979% | 1,798 |
| Net charge-offs to loans | 0.1075% | 4,312 |
| Credit loss provision to net charge-offs | 169.5652% | 1,639 |
| Earnings coverage of net charge-offs (x) | 17.1478% | 1,638 |
| Efficiency ratio | 72.1705% | 3,293 |
| Assets per employee ($millions) | 4.2005% | 3,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8979% | 2,485 |
| Loan loss allowance to noncurrent loans | 211.7046% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.5225% | 5,369 |
| Noncurrent loans to loans | 0.8965% | 4,640 |
| Net loans and leases to total assets | 57.1793% | 4,261 |
| Net loans and leases to deposits | 64.5727% | 4,647 |
| Net loans and leases to core deposits | 74.6685% | 3,894 |
| Total domestic deposits to total assets | 88.5503% | 1,694 |
| Equity capital to assets | 9.9856% | 4,514 |
| Core capital (leverage) ratio | 9.8315% | 3,774 |
| Tier 1 risk-based capital ratio | 17.0089% | 2,727 |
| Total risk-based capital ratio | 18.2673% | 2,681 |
| Memoranda: | ||
| Average total assets | $238,175,750 | 2,673 |
| Average earning assets | $219,167,000 | 2,651 |
| Average equity | $23,585,000 | 2,813 |
| Average total loans | $142,606,250 | 2,722 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3290% | 4,460 |
| Cost of funding earning assets | 0.5663% | 5,178 |
| Net interest margin | 3.7627% | 3,526 |
| Noninterest income to average assets | 0.5517% | 3,574 |
| Noninterest expense to average assets | 2.9117% | 3,575 |
| Loan and lease loss provision to assets | 0.1142% | 4,103 |
| Net operating income to assets | 0.7467% | 3,621 |
| Return on assets (ROA) | 0.7480% | 3,892 |
| Pretax return on assets | 0.9849% | 3,770 |
| Return on Equity (ROE) | 7.5758% | 3,464 |
| Retained earnings to average equity (ytd only) | 7.5758% | 1,828 |
| Net charge-offs to loans | 0.1499% | 3,713 |
| Credit loss provision to net charge-offs | 126.1682% | 2,175 |
| Earnings coverage of net charge-offs (x) | 12.1215% | 1,906 |
| Efficiency ratio | 72.6256% | 3,318 |
| Assets per employee ($millions) | 4.0702% | 3,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8569% | 2,682 |
| Loan loss allowance to noncurrent loans | 335.8323% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.3334% | 5,922 |
| Noncurrent loans to loans | 0.5529% | 5,410 |
| Net loans and leases to total assets | 59.1746% | 3,959 |
| Net loans and leases to deposits | 66.9151% | 4,376 |
| Net loans and leases to core deposits | 76.2276% | 3,746 |
| Total domestic deposits to total assets | 88.4323% | 1,861 |
| Equity capital to assets | 10.0859% | 4,210 |
| Core capital (leverage) ratio | 9.5814% | 4,032 |
| Tier 1 risk-based capital ratio | 16.5850% | 2,868 |
| Total risk-based capital ratio | 17.8432% | 2,824 |
| Memoranda: | ||
| Average total assets | $236,357,670 | 2,698 |
| Average earning assets | $217,187,000 | 2,679 |
| Average equity | $23,337,330 | 2,823 |
| Average total loans | $142,808,000 | 2,725 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3775% | 4,417 |
| Cost of funding earning assets | 0.5990% | 5,141 |
| Net interest margin | 3.7785% | 3,487 |
| Noninterest income to average assets | 0.5125% | 3,833 |
| Noninterest expense to average assets | 3.0004% | 3,248 |
| Loan and lease loss provision to assets | 0.0761% | 4,444 |
| Net operating income to assets | 0.6841% | 3,961 |
| Return on assets (ROA) | 0.6867% | 4,163 |
| Pretax return on assets | 0.9066% | 4,008 |
| Return on Equity (ROE) | 7.0300% | 3,768 |
| Retained earnings to average equity (ytd only) | 7.0300% | 2,423 |
| Net charge-offs to loans | 0.2992% | 2,462 |
| Credit loss provision to net charge-offs | 42.0561% | 3,421 |
| Earnings coverage of net charge-offs (x) | 5.4112% | 2,378 |
| Efficiency ratio | 75.3931% | 2,866 |
| Assets per employee ($millions) | 4.2336% | 3,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7910% | 3,025 |
| Loan loss allowance to noncurrent loans | 586.8966% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.3611% | 5,979 |
| Noncurrent loans to loans | 0.3052% | 6,067 |
| Net loans and leases to total assets | 59.0479% | 3,846 |
| Net loans and leases to deposits | 66.5636% | 4,296 |
| Net loans and leases to core deposits | 76.6819% | 3,528 |
| Total domestic deposits to total assets | 88.7090% | 1,881 |
| Equity capital to assets | 9.8185% | 4,349 |
| Core capital (leverage) ratio | 9.4209% | 4,167 |
| Tier 1 risk-based capital ratio | 16.1578% | 3,094 |
| Total risk-based capital ratio | 17.4147% | 3,054 |
| Memoranda: | ||
| Average total assets | $236,501,000 | 2,706 |
| Average earning assets | $217,016,500 | 2,684 |
| Average equity | $23,101,000 | 2,843 |
| Average total loans | $143,043,500 | 2,735 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5462% | 4,888 |
| Cost of funding earning assets | 0.7536% | 5,182 |
| Net interest margin | 3.7926% | 3,860 |
| Noninterest income to average assets | 0.4763% | 4,020 |
| Noninterest expense to average assets | 2.8458% | 4,178 |
| Loan and lease loss provision to assets | 0.0884% | 5,484 |
| Net operating income to assets | 0.7743% | 3,159 |
| Return on assets (ROA) | 0.7743% | 3,322 |
| Pretax return on assets | 1.0259% | 3,137 |
| Return on Equity (ROE) | 8.1531% | 2,832 |
| Retained earnings to average equity (ytd only) | 4.1652% | 3,212 |
| Net charge-offs to loans | 0.1341% | 5,074 |
| Credit loss provision to net charge-offs | 110.5263% | 3,019 |
| Earnings coverage of net charge-offs (x) | 13.9368% | 1,500 |
| Efficiency ratio | 71.8627% | 3,599 |
| Assets per employee ($millions) | 4.1389% | 3,572 |
| Cash dividends to net income (ytd only)* | 48.9130% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8218% | 2,799 |
| Loan loss allowance to noncurrent loans | 430.8072% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.4485% | 5,843 |
| Noncurrent loans to loans | 0.4229% | 5,861 |
| Net loans and leases to total assets | 59.7351% | 4,037 |
| Net loans and leases to deposits | 67.4909% | 4,512 |
| Net loans and leases to core deposits | 78.8796% | 3,584 |
| Total domestic deposits to total assets | 88.5084% | 1,845 |
| Equity capital to assets | 9.7169% | 4,571 |
| Core capital (leverage) ratio | 9.1375% | 4,565 |
| Tier 1 risk-based capital ratio | 15.8407% | 3,136 |
| Total risk-based capital ratio | 17.0985% | 3,092 |
| Memoranda: | ||
| Average total assets | $237,645,600 | 2,658 |
| Average earning assets | $218,293,800 | 2,631 |
| Average equity | $22,568,200 | 2,829 |
| Average total loans | $141,730,200 | 2,758 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5553% | 5,068 |
| Cost of funding earning assets | 0.7831% | 5,259 |
| Net interest margin | 3.7722% | 4,002 |
| Noninterest income to average assets | 0.5046% | 3,838 |
| Noninterest expense to average assets | 2.8640% | 4,086 |
| Loan and lease loss provision to assets | 0.1008% | 5,188 |
| Net operating income to assets | 0.7600% | 3,343 |
| Return on assets (ROA) | 0.7600% | 3,502 |
| Pretax return on assets | 1.0064% | 3,373 |
| Return on Equity (ROE) | 8.0487% | 3,020 |
| Retained earnings to average equity (ytd only) | 8.0487% | 1,494 |
| Net charge-offs to loans | 0.0953% | 5,026 |
| Credit loss provision to net charge-offs | 178.2178% | 1,673 |
| Earnings coverage of net charge-offs (x) | 19.5747% | 1,254 |
| Efficiency ratio | 72.1196% | 3,530 |
| Assets per employee ($millions) | 4.3415% | 3,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8757% | 2,700 |
| Loan loss allowance to noncurrent loans | 525.3438% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.4985% | 5,839 |
| Noncurrent loans to loans | 0.3571% | 6,135 |
| Net loans and leases to total assets | 57.5352% | 4,581 |
| Net loans and leases to deposits | 64.7322% | 5,086 |
| Net loans and leases to core deposits | 76.1525% | 4,181 |
| Total domestic deposits to total assets | 88.8819% | 1,494 |
| Equity capital to assets | 9.6440% | 4,863 |
| Core capital (leverage) ratio | 9.3045% | 4,448 |
| Tier 1 risk-based capital ratio | 16.3617% | 2,933 |
| Total risk-based capital ratio | 17.6201% | 2,894 |
| Memoranda: | ||
| Average total assets | $238,077,000 | 2,666 |
| Average earning assets | $218,785,500 | 2,643 |
| Average equity | $22,479,250 | 2,836 |
| Average total loans | $141,277,250 | 2,786 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5905% | 5,004 |
| Cost of funding earning assets | 0.8125% | 5,288 |
| Net interest margin | 3.7780% | 3,899 |
| Noninterest income to average assets | 0.5440% | 3,519 |
| Noninterest expense to average assets | 2.9375% | 3,873 |
| Loan and lease loss provision to assets | 0.1523% | 4,409 |
| Net operating income to assets | 0.7039% | 3,528 |
| Return on assets (ROA) | 0.7039% | 3,633 |
| Pretax return on assets | 0.9239% | 3,537 |
| Return on Equity (ROE) | 7.5102% | 3,183 |
| Retained earnings to average equity (ytd only) | 7.5102% | 1,655 |
| Net charge-offs to loans | -0.0128% | 6,742 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1872% | 3,516 |
| Assets per employee ($millions) | 4.0738% | 3,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9718% | 2,446 |
| Loan loss allowance to noncurrent loans | 653.5211% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.5542% | 5,818 |
| Noncurrent loans to loans | 0.3017% | 6,319 |
| Net loans and leases to total assets | 57.5836% | 4,712 |
| Net loans and leases to deposits | 64.6071% | 5,195 |
| Net loans and leases to core deposits | 75.9273% | 4,325 |
| Total domestic deposits to total assets | 89.1289% | 1,458 |
| Equity capital to assets | 9.4607% | 4,871 |
| Core capital (leverage) ratio | 9.1136% | 4,545 |
| Tier 1 risk-based capital ratio | 16.2506% | 2,859 |
| Total risk-based capital ratio | 17.5103% | 2,822 |
| Memoranda: | ||
| Average total assets | $236,394,000 | 2,689 |
| Average earning assets | $217,101,000 | 2,674 |
| Average equity | $22,156,670 | 2,858 |
| Average total loans | $140,850,670 | 2,829 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6426% | 4,774 |
| Cost of funding earning assets | 0.8289% | 5,402 |
| Net interest margin | 3.8137% | 3,546 |
| Noninterest income to average assets | 0.5307% | 3,648 |
| Noninterest expense to average assets | 3.0356% | 3,503 |
| Loan and lease loss provision to assets | 0.1536% | 4,105 |
| Net operating income to assets | 0.6467% | 3,767 |
| Return on assets (ROA) | 0.6467% | 3,843 |
| Pretax return on assets | 0.8430% | 3,730 |
| Return on Equity (ROE) | 6.9333% | 3,416 |
| Retained earnings to average equity (ytd only) | 6.9333% | 2,175 |
| Net charge-offs to loans | -0.0796% | 7,017 |
| Credit loss provision to net charge-offs | -321.4286% | 5,879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2857% | 3,286 |
| Assets per employee ($millions) | 4.0005% | 3,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9585% | 2,522 |
| Loan loss allowance to noncurrent loans | 1,135.1464% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.5554% | 5,863 |
| Noncurrent loans to loans | 0.1725% | 6,620 |
| Net loans and leases to total assets | 57.5415% | 4,716 |
| Net loans and leases to deposits | 64.6229% | 5,173 |
| Net loans and leases to core deposits | 74.4117% | 4,491 |
| Total domestic deposits to total assets | 89.0420% | 1,745 |
| Equity capital to assets | 9.3536% | 4,645 |
| Core capital (leverage) ratio | 9.2739% | 4,162 |
| Tier 1 risk-based capital ratio | 16.1309% | 2,846 |
| Total risk-based capital ratio | 17.3904% | 2,806 |
| Memoranda: | ||
| Average total assets | $234,414,500 | 2,733 |
| Average earning assets | $215,224,000 | 2,721 |
| Average equity | $21,865,500 | 2,889 |
| Average total loans | $140,682,000 | 2,871 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1070% | 4,066 |
| Cost of funding earning assets | 0.9503% | 5,934 |
| Net interest margin | 4.1567% | 2,338 |
| Noninterest income to average assets | 0.5723% | 3,653 |
| Noninterest expense to average assets | 2.9919% | 3,876 |
| Loan and lease loss provision to assets | 0.3199% | 4,252 |
| Net operating income to assets | 0.8096% | 2,754 |
| Return on assets (ROA) | 0.8113% | 2,881 |
| Pretax return on assets | 1.0756% | 2,679 |
| Return on Equity (ROE) | 8.4511% | 2,516 |
| Retained earnings to average equity (ytd only) | 4.2857% | 2,841 |
| Net charge-offs to loans | 0.1084% | 5,790 |
| Credit loss provision to net charge-offs | 461.5385% | 496 |
| Earnings coverage of net charge-offs (x) | 20.1026% | 1,024 |
| Efficiency ratio | 68.2270% | 4,517 |
| Assets per employee ($millions) | 3.9458% | 3,898 |
| Cash dividends to net income (ytd only)* | 49.2881% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8168% | 2,810 |
| Loan loss allowance to noncurrent loans | 1,218.3099% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.4210% | 6,221 |
| Noncurrent loans to loans | 0.1491% | 6,773 |
| Net loans and leases to total assets | 60.2412% | 4,639 |
| Net loans and leases to deposits | 67.7445% | 5,139 |
| Net loans and leases to core deposits | 77.1642% | 4,570 |
| Total domestic deposits to total assets | 88.9240% | 1,703 |
| Equity capital to assets | 9.3015% | 4,688 |
| Core capital (leverage) ratio | 8.8620% | 4,761 |
| Tier 1 risk-based capital ratio | 15.4644% | 3,012 |
| Total risk-based capital ratio | 16.7221% | 2,970 |
| Memoranda: | ||
| Average total assets | $225,075,400 | 2,813 |
| Average earning assets | $206,461,200 | 2,790 |
| Average equity | $21,606,600 | 2,930 |
| Average total loans | $143,867,000 | 2,865 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1449% | 4,099 |
| Cost of funding earning assets | 0.9665% | 6,096 |
| Net interest margin | 4.1784% | 2,300 |
| Noninterest income to average assets | 0.5748% | 3,619 |
| Noninterest expense to average assets | 3.0389% | 3,611 |
| Loan and lease loss provision to assets | 0.3227% | 4,008 |
| Net operating income to assets | 0.7877% | 3,057 |
| Return on assets (ROA) | 0.7899% | 3,210 |
| Pretax return on assets | 1.0468% | 3,005 |
| Return on Equity (ROE) | 8.1623% | 2,838 |
| Retained earnings to average equity (ytd only) | 8.1623% | 1,366 |
| Net charge-offs to loans | 0.1443% | 5,146 |
| Credit loss provision to net charge-offs | 346.1538% | 915 |
| Earnings coverage of net charge-offs (x) | 14.6606% | 1,498 |
| Efficiency ratio | 68.9814% | 4,269 |
| Assets per employee ($millions) | 3.9950% | 3,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6647% | 3,275 |
| Loan loss allowance to noncurrent loans | 901.1194% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.4467% | 6,314 |
| Noncurrent loans to loans | 0.1847% | 6,811 |
| Net loans and leases to total assets | 61.5651% | 4,622 |
| Net loans and leases to deposits | 69.6585% | 5,198 |
| Net loans and leases to core deposits | 79.3288% | 4,612 |
| Total domestic deposits to total assets | 88.3812% | 1,742 |
| Equity capital to assets | 9.6819% | 4,568 |
| Core capital (leverage) ratio | 9.4205% | 4,031 |
| Tier 1 risk-based capital ratio | 15.5626% | 2,964 |
| Total risk-based capital ratio | 16.8187% | 2,921 |
| Memoranda: | ||
| Average total assets | $223,144,000 | 2,870 |
| Average earning assets | $204,572,750 | 2,861 |
| Average equity | $21,594,750 | 2,968 |
| Average total loans | $144,124,500 | 2,905 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1644% | 4,119 |
| Cost of funding earning assets | 0.9848% | 6,219 |
| Net interest margin | 4.1796% | 2,221 |
| Noninterest income to average assets | 0.5938% | 3,383 |
| Noninterest expense to average assets | 3.1186% | 3,223 |
| Loan and lease loss provision to assets | 0.3268% | 3,785 |
| Net operating income to assets | 0.7463% | 3,211 |
| Return on assets (ROA) | 0.7463% | 3,360 |
| Pretax return on assets | 0.9823% | 3,191 |
| Return on Equity (ROE) | 7.7129% | 3,008 |
| Retained earnings to average equity (ytd only) | 7.7129% | 1,543 |
| Net charge-offs to loans | 0.1140% | 5,032 |
| Credit loss provision to net charge-offs | 439.0244% | 823 |
| Earnings coverage of net charge-offs (x) | 17.5854% | 1,334 |
| Efficiency ratio | 70.4326% | 4,105 |
| Assets per employee ($millions) | 3.8864% | 4,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5801% | 3,534 |
| Loan loss allowance to noncurrent loans | 509.7130% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.4960% | 6,216 |
| Noncurrent loans to loans | 0.3100% | 6,607 |
| Net loans and leases to total assets | 63.8040% | 4,300 |
| Net loans and leases to deposits | 72.1358% | 4,968 |
| Net loans and leases to core deposits | 81.4987% | 4,491 |
| Total domestic deposits to total assets | 88.4499% | 1,759 |
| Equity capital to assets | 9.6403% | 4,487 |
| Core capital (leverage) ratio | 9.3191% | 4,083 |
| Tier 1 risk-based capital ratio | 15.1494% | 3,081 |
| Total risk-based capital ratio | 16.4043% | 3,030 |
| Memoranda: | ||
| Average total assets | $220,288,330 | 2,933 |
| Average earning assets | $202,076,000 | 2,916 |
| Average equity | $21,315,000 | 3,000 |
| Average total loans | $143,810,000 | 2,942 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1120% | 4,474 |
| Cost of funding earning assets | 0.9979% | 6,388 |
| Net interest margin | 4.1140% | 2,379 |
| Noninterest income to average assets | 0.5842% | 3,380 |
| Noninterest expense to average assets | 3.1544% | 3,035 |
| Loan and lease loss provision to assets | 0.3307% | 3,413 |
| Net operating income to assets | 0.6687% | 3,579 |
| Return on assets (ROA) | 0.6687% | 3,691 |
| Pretax return on assets | 0.8708% | 3,575 |
| Return on Equity (ROE) | 6.8980% | 3,397 |
| Retained earnings to average equity (ytd only) | 6.8980% | 2,179 |
| Net charge-offs to loans | 0.2075% | 3,672 |
| Credit loss provision to net charge-offs | 243.2432% | 1,580 |
| Earnings coverage of net charge-offs (x) | 8.8378% | 1,917 |
| Efficiency ratio | 72.4167% | 3,857 |
| Assets per employee ($millions) | 3.8093% | 4,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5013% | 3,907 |
| Loan loss allowance to noncurrent loans | 406.2738% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.5559% | 6,115 |
| Noncurrent loans to loans | 0.3695% | 6,557 |
| Net loans and leases to total assets | 64.5716% | 4,199 |
| Net loans and leases to deposits | 73.3133% | 4,853 |
| Net loans and leases to core deposits | 82.4905% | 4,417 |
| Total domestic deposits to total assets | 88.0763% | 2,018 |
| Equity capital to assets | 9.8148% | 4,089 |
| Core capital (leverage) ratio | 9.4490% | 3,855 |
| Tier 1 risk-based capital ratio | 15.2774% | 2,973 |
| Total risk-based capital ratio | 16.5315% | 2,929 |
| Memoranda: | ||
| Average total assets | $217,728,000 | 3,019 |
| Average earning assets | $199,610,000 | 3,007 |
| Average equity | $21,107,500 | 3,053 |
| Average total loans | $142,650,500 | 3,028 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5373% | 3,944 |
| Cost of funding earning assets | 1.1469% | 6,828 |
| Net interest margin | 4.3904% | 1,461 |
| Noninterest income to average assets | 0.6174% | 3,507 |
| Noninterest expense to average assets | 3.1031% | 3,728 |
| Loan and lease loss provision to assets | 0.2901% | 5,105 |
| Net operating income to assets | 0.9259% | 2,090 |
| Return on assets (ROA) | 0.9259% | 2,153 |
| Pretax return on assets | 1.2426% | 1,845 |
| Return on Equity (ROE) | 9.4254% | 1,876 |
| Retained earnings to average equity (ytd only) | 6.4723% | 1,162 |
| Net charge-offs to loans | 0.5641% | 3,530 |
| Credit loss provision to net charge-offs | 75.5668% | 6,380 |
| Earnings coverage of net charge-offs (x) | 3.9924% | 3,112 |
| Efficiency ratio | 66.9378% | 5,199 |
| Assets per employee ($millions) | 3.7642% | 4,366 |
| Cash dividends to net income (ytd only)* | 31.3316% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4207% | 4,118 |
| Loan loss allowance to noncurrent loans | 153.0520% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.6619% | 5,808 |
| Noncurrent loans to loans | 0.9282% | 5,459 |
| Net loans and leases to total assets | 64.5496% | 4,484 |
| Net loans and leases to deposits | 72.9467% | 5,199 |
| Net loans and leases to core deposits | 89.1346% | 5,212 |
| Total domestic deposits to total assets | 88.4887% | 1,735 |
| Equity capital to assets | 9.5747% | 4,312 |
| Core capital (leverage) ratio | 9.2750% | 4,011 |
| Tier 1 risk-based capital ratio | 14.7504% | 3,077 |
| Total risk-based capital ratio | 16.0030% | 3,029 |
| Memoranda: | ||
| Average total assets | $206,824,600 | 3,097 |
| Average earning assets | $189,299,000 | 3,102 |
| Average equity | $20,317,400 | 3,157 |
| Average total loans | $140,752,200 | 3,066 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6126% | 3,789 |
| Cost of funding earning assets | 1.1771% | 6,954 |
| Net interest margin | 4.4355% | 1,352 |
| Noninterest income to average assets | 0.6322% | 3,480 |
| Noninterest expense to average assets | 3.2014% | 3,291 |
| Loan and lease loss provision to assets | 0.2746% | 4,776 |
| Net operating income to assets | 0.9061% | 2,401 |
| Return on assets (ROA) | 0.9061% | 2,468 |
| Pretax return on assets | 1.2133% | 2,224 |
| Return on Equity (ROE) | 9.1615% | 2,204 |
| Retained earnings to average equity (ytd only) | 9.1615% | 801 |
| Net charge-offs to loans | 0.4726% | 3,332 |
| Credit loss provision to net charge-offs | 84.5070% | 5,639 |
| Earnings coverage of net charge-offs (x) | 4.5795% | 3,090 |
| Efficiency ratio | 68.2699% | 4,911 |
| Assets per employee ($millions) | 3.5898% | 4,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4829% | 3,532 |
| Loan loss allowance to noncurrent loans | 104.8828% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 1.0279% | 5,022 |
| Noncurrent loans to loans | 1.4138% | 4,550 |
| Net loans and leases to total assets | 67.3782% | 4,098 |
| Net loans and leases to deposits | 76.5803% | 4,952 |
| Net loans and leases to core deposits | 91.9005% | 5,241 |
| Total domestic deposits to total assets | 87.9838% | 1,664 |
| Equity capital to assets | 9.9567% | 4,142 |
| Core capital (leverage) ratio | 9.5278% | 3,874 |
| Tier 1 risk-based capital ratio | 14.7881% | 3,138 |
| Total risk-based capital ratio | 16.0423% | 3,081 |
| Memoranda: | ||
| Average total assets | $203,949,500 | 3,159 |
| Average earning assets | $186,551,750 | 3,157 |
| Average equity | $20,170,750 | 3,206 |
| Average total loans | $140,200,500 | 3,113 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6496% | 3,817 |
| Cost of funding earning assets | 1.2147% | 7,064 |
| Net interest margin | 4.4349% | 1,324 |
| Noninterest income to average assets | 0.6348% | 3,444 |
| Noninterest expense to average assets | 3.2811% | 3,045 |
| Loan and lease loss provision to assets | 0.2483% | 4,590 |
| Net operating income to assets | 0.8637% | 2,594 |
| Return on assets (ROA) | 0.8652% | 2,696 |
| Pretax return on assets | 1.1583% | 2,434 |
| Return on Equity (ROE) | 8.7692% | 2,438 |
| Retained earnings to average equity (ytd only) | 8.7692% | 991 |
| Net charge-offs to loans | 0.2669% | 3,861 |
| Credit loss provision to net charge-offs | 135.1351% | 3,446 |
| Earnings coverage of net charge-offs (x) | 7.6432% | 2,414 |
| Efficiency ratio | 70.0233% | 4,777 |
| Assets per employee ($millions) | 3.4157% | 5,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6382% | 2,580 |
| Loan loss allowance to noncurrent loans | 137.3725% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.8570% | 5,270 |
| Noncurrent loans to loans | 1.1925% | 4,836 |
| Net loans and leases to total assets | 64.9274% | 4,777 |
| Net loans and leases to deposits | 73.4878% | 5,534 |
| Net loans and leases to core deposits | 87.5322% | 5,763 |
| Total domestic deposits to total assets | 88.3513% | 1,595 |
| Equity capital to assets | 9.5526% | 4,546 |
| Core capital (leverage) ratio | 9.3879% | 4,044 |
| Tier 1 risk-based capital ratio | 14.8901% | 3,070 |
| Total risk-based capital ratio | 16.1460% | 3,002 |
| Memoranda: | ||
| Average total assets | $201,333,670 | 3,206 |
| Average earning assets | $183,906,330 | 3,212 |
| Average equity | $19,865,000 | 3,261 |
| Average total loans | $138,649,670 | 3,168 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6590% | 4,001 |
| Cost of funding earning assets | 1.2355% | 7,215 |
| Net interest margin | 4.4236% | 1,290 |
| Noninterest income to average assets | 0.6404% | 3,267 |
| Noninterest expense to average assets | 3.2961% | 2,665 |
| Loan and lease loss provision to assets | 0.2142% | 4,305 |
| Net operating income to assets | 0.8730% | 2,826 |
| Return on assets (ROA) | 0.8730% | 2,976 |
| Pretax return on assets | 1.1687% | 2,732 |
| Return on Equity (ROE) | 8.6981% | 2,840 |
| Retained earnings to average equity (ytd only) | 8.6981% | 1,568 |
| Net charge-offs to loans | 0.1014% | 4,164 |
| Credit loss provision to net charge-offs | 300.0000% | 1,603 |
| Earnings coverage of net charge-offs (x) | 19.3714% | 1,425 |
| Efficiency ratio | 70.4446% | 4,485 |
| Assets per employee ($millions) | 3.2530% | 5,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6385% | 2,363 |
| Loan loss allowance to noncurrent loans | 136.3853% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.8758% | 4,999 |
| Noncurrent loans to loans | 1.2014% | 4,569 |
| Net loans and leases to total assets | 69.4002% | 3,820 |
| Net loans and leases to deposits | 79.3751% | 4,711 |
| Net loans and leases to core deposits | 93.5011% | 5,206 |
| Total domestic deposits to total assets | 87.4332% | 2,003 |
| Equity capital to assets | 10.0118% | 3,993 |
| Core capital (leverage) ratio | 9.8598% | 3,574 |
| Tier 1 risk-based capital ratio | 14.5252% | 3,296 |
| Total risk-based capital ratio | 15.7815% | 3,221 |
| Memoranda: | ||
| Average total assets | $196,113,000 | 3,284 |
| Average earning assets | $179,041,000 | 3,292 |
| Average equity | $19,682,500 | 3,306 |
| Average total loans | $138,079,500 | 3,209 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3380% | 3,740 |
| Cost of funding earning assets | 1.8378% | 6,907 |
| Net interest margin | 4.5002% | 1,417 |
| Noninterest income to average assets | 0.7028% | 3,109 |
| Noninterest expense to average assets | 3.1210% | 3,612 |
| Loan and lease loss provision to assets | 0.1576% | 5,355 |
| Net operating income to assets | 1.0873% | 2,195 |
| Return on assets (ROA) | 1.0873% | 2,113 |
| Pretax return on assets | 1.4654% | 1,778 |
| Return on Equity (ROE) | 10.7093% | 2,002 |
| Retained earnings to average equity (ytd only) | 2.9489% | 3,336 |
| Net charge-offs to loans | 0.2786% | 3,542 |
| Credit loss provision to net charge-offs | 80.8625% | 5,882 |
| Earnings coverage of net charge-offs (x) | 8.3288% | 2,900 |
| Efficiency ratio | 65.7883% | 5,168 |
| Assets per employee ($millions) | 3.1256% | 5,697 |
| Cash dividends to net income (ytd only)* | 72.4638% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6342% | 2,114 |
| Loan loss allowance to noncurrent loans | 139.2365% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.8535% | 4,710 |
| Noncurrent loans to loans | 1.1737% | 4,176 |
| Net loans and leases to total assets | 69.1083% | 4,227 |
| Net loans and leases to deposits | 79.2676% | 5,161 |
| Net loans and leases to core deposits | 92.5651% | 5,585 |
| Total domestic deposits to total assets | 87.1835% | 1,847 |
| Equity capital to assets | 10.0614% | 3,965 |
| Core capital (leverage) ratio | 9.6745% | 3,803 |
| Tier 1 risk-based capital ratio | 14.4587% | 3,319 |
| Total risk-based capital ratio | 15.7145% | 3,226 |
| Memoranda: | ||
| Average total assets | $190,385,400 | 3,266 |
| Average earning assets | $170,969,000 | 3,322 |
| Average equity | $19,329,000 | 3,341 |
| Average total loans | $133,172,600 | 3,218 |