Home > The Killbuck Savings Bank Company > Performance and Condition Ratios
The Killbuck Savings Bank Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3222% | 3,405 |
| Cost of funding earning assets | 1.2172% | 2,758 |
| Net interest margin | 3.1050% | 3,089 |
| Noninterest income to average assets | 0.5000% | 1,995 |
| Noninterest expense to average assets | 2.0136% | 3,598 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.0775% | 1,979 |
| Return on assets (ROA) | 1.0776% | 1,954 |
| Pretax return on assets | 1.3092% | 1,846 |
| Return on Equity (ROE) | 17.9600% | 821 |
| Retained earnings to average equity (ytd only) | 10.9077% | 809 |
| Net charge-offs to loans | 0.0086% | 2,341 |
| Credit loss provision to net charge-offs | 1,236.5854% | 343 |
| Earnings coverage of net charge-offs (x) | 276.5610% | 461 |
| Efficiency ratio | 59.5050% | 3,136 |
| Assets per employee ($millions) | 6.5578% | 2,379 |
| Cash dividends to net income (ytd only)* | 39.2509% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9216% | 3,640 |
| Loan loss allowance to noncurrent loans | 2,833.9623% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 3,618 |
| Noncurrent loans to loans | 0.0325% | 3,502 |
| Net loans and leases to total assets | 57.2700% | 3,102 |
| Net loans and leases to deposits | 68.3623% | 2,999 |
| Net loans and leases to core deposits | 72.6832% | 3,144 |
| Total domestic deposits to total assets | 83.7700% | 2,684 |
| Equity capital to assets | 6.6323% | 4,075 |
| Core capital (leverage) ratio | 8.9606% | 3,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1245% | 2,202 |
| Memoranda: | ||
| Average total assets | $827,474,600 | 1,152 |
| Average earning assets | $768,596,000 | 1,144 |
| Average equity | $49,662,200 | 1,618 |
| Average total loans | $479,065,600 | 1,280 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2296% | 3,419 |
| Cost of funding earning assets | 1.1511% | 2,586 |
| Net interest margin | 3.0785% | 3,180 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 2.0022% | 3,593 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.0850% | 2,102 |
| Return on assets (ROA) | 1.0851% | 2,087 |
| Pretax return on assets | 1.3162% | 1,991 |
| Return on Equity (ROE) | 18.5800% | 866 |
| Retained earnings to average equity (ytd only) | 12.4780% | 890 |
| Net charge-offs to loans | 0.0090% | 2,079 |
| Credit loss provision to net charge-offs | 1,434.3750% | 316 |
| Earnings coverage of net charge-offs (x) | 268.1563% | 488 |
| Efficiency ratio | 59.0171% | 3,086 |
| Assets per employee ($millions) | 6.5149% | 2,319 |
| Cash dividends to net income (ytd only)* | 32.8505% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9212% | 3,664 |
| Loan loss allowance to noncurrent loans | 2,707.2727% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.0198% | 3,630 |
| Noncurrent loans to loans | 0.0340% | 3,526 |
| Net loans and leases to total assets | 57.6100% | 3,060 |
| Net loans and leases to deposits | 68.3802% | 2,952 |
| Net loans and leases to core deposits | 72.6724% | 3,069 |
| Total domestic deposits to total assets | 84.2500% | 2,701 |
| Equity capital to assets | 5.7362% | 4,073 |
| Core capital (leverage) ratio | 8.7577% | 3,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5784% | 2,050 |
| Memoranda: | ||
| Average total assets | $822,854,500 | 1,155 |
| Average earning assets | $763,770,750 | 1,151 |
| Average equity | $48,051,250 | 1,645 |
| Average total loans | $476,594,750 | 1,280 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1001% | 3,488 |
| Cost of funding earning assets | 1.0399% | 2,479 |
| Net interest margin | 3.0602% | 3,298 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 2.0335% | 3,511 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.0965% | 2,138 |
| Return on assets (ROA) | 1.0967% | 2,128 |
| Pretax return on assets | 1.3245% | 2,003 |
| Return on Equity (ROE) | 18.6700% | 877 |
| Retained earnings to average equity (ytd only) | 10.7723% | 1,228 |
| Net charge-offs to loans | 0.0110% | 1,790 |
| Credit loss provision to net charge-offs | 1,176.9231% | 366 |
| Earnings coverage of net charge-offs (x) | 220.3846% | 556 |
| Efficiency ratio | 59.2432% | 3,050 |
| Assets per employee ($millions) | 6.4980% | 2,289 |
| Cash dividends to net income (ytd only)* | 42.2974% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8841% | 3,828 |
| Loan loss allowance to noncurrent loans | 1,148.9362% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 3,315 |
| Noncurrent loans to loans | 0.0770% | 3,134 |
| Net loans and leases to total assets | 58.6900% | 2,898 |
| Net loans and leases to deposits | 70.1389% | 2,776 |
| Net loans and leases to core deposits | 74.3052% | 2,862 |
| Total domestic deposits to total assets | 83.6700% | 2,898 |
| Equity capital to assets | 5.9688% | 4,167 |
| Core capital (leverage) ratio | 8.6217% | 4,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2422% | 2,200 |
| Memoranda: | ||
| Average total assets | $819,168,333 | 1,157 |
| Average earning assets | $759,884,000 | 1,156 |
| Average equity | $48,123,333 | 1,648 |
| Average total loans | $473,821,667 | 1,269 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9426% | 3,578 |
| Cost of funding earning assets | 0.8858% | 2,416 |
| Net interest margin | 3.0568% | 3,447 |
| Noninterest income to average assets | 0.7700% | 918 |
| Noninterest expense to average assets | 2.0649% | 3,461 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.2155% | 1,893 |
| Return on assets (ROA) | 1.2155% | 1,853 |
| Pretax return on assets | 1.4679% | 1,738 |
| Return on Equity (ROE) | 20.8600% | 669 |
| Retained earnings to average equity (ytd only) | 16.6539% | 625 |
| Net charge-offs to loans | 0.0060% | 1,737 |
| Credit loss provision to net charge-offs | 2,185.7143% | 184 |
| Earnings coverage of net charge-offs (x) | 449.7143% | 250 |
| Efficiency ratio | 57.2341% | 3,277 |
| Assets per employee ($millions) | 6.1637% | 2,617 |
| Cash dividends to net income (ytd only)* | 20.1613% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8864% | 3,891 |
| Loan loss allowance to noncurrent loans | 1,104.4855% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 3,323 |
| Noncurrent loans to loans | 0.0803% | 3,166 |
| Net loans and leases to total assets | 57.1000% | 2,947 |
| Net loans and leases to deposits | 66.5934% | 2,889 |
| Net loans and leases to core deposits | 69.8900% | 2,962 |
| Total domestic deposits to total assets | 85.7400% | 2,666 |
| Equity capital to assets | 6.0677% | 4,176 |
| Core capital (leverage) ratio | 8.6898% | 3,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4097% | 2,219 |
| Memoranda: | ||
| Average total assets | $816,130,000 | 1,181 |
| Average earning assets | $756,349,500 | 1,176 |
| Average equity | $47,556,500 | 1,671 |
| Average total loans | $466,423,000 | 1,297 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2138% | 3,798 |
| Cost of funding earning assets | 0.3110% | 2,785 |
| Net interest margin | 2.9027% | 3,674 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.0231% | 3,522 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.8842% | 3,026 |
| Return on assets (ROA) | 0.8915% | 2,933 |
| Pretax return on assets | 1.0752% | 2,850 |
| Return on Equity (ROE) | 13.7600% | 1,583 |
| Retained earnings to average equity (ytd only) | 7.4125% | 2,063 |
| Net charge-offs to loans | 0.0092% | 2,039 |
| Credit loss provision to net charge-offs | 776.3158% | 503 |
| Earnings coverage of net charge-offs (x) | 225.4474% | 596 |
| Efficiency ratio | 64.6853% | 2,406 |
| Assets per employee ($millions) | 6.0185% | 2,745 |
| Cash dividends to net income (ytd only)* | 46.1316% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8771% | 3,849 |
| Loan loss allowance to noncurrent loans | 1,063.1579% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.0468% | 3,344 |
| Noncurrent loans to loans | 0.0825% | 3,165 |
| Net loans and leases to total assets | 56.1900% | 3,009 |
| Net loans and leases to deposits | 64.5346% | 2,996 |
| Net loans and leases to core deposits | 66.6054% | 3,090 |
| Total domestic deposits to total assets | 87.0700% | 2,376 |
| Equity capital to assets | 5.5843% | 4,215 |
| Core capital (leverage) ratio | 8.5744% | 4,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9930% | 2,383 |
| Memoranda: | ||
| Average total assets | $775,642,000 | 1,209 |
| Average earning assets | $723,048,600 | 1,196 |
| Average equity | $50,253,200 | 1,616 |
| Average total loans | $413,355,400 | 1,351 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0382% | 3,815 |
| Cost of funding earning assets | 0.2461% | 2,747 |
| Net interest margin | 2.7920% | 3,751 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.0308% | 3,401 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.8247% | 3,156 |
| Return on assets (ROA) | 0.8345% | 3,083 |
| Pretax return on assets | 1.0006% | 3,012 |
| Return on Equity (ROE) | 12.4300% | 1,899 |
| Retained earnings to average equity (ytd only) | 7.4004% | 2,231 |
| Net charge-offs to loans | 0.0096% | 1,767 |
| Credit loss provision to net charge-offs | 489.6552% | 623 |
| Earnings coverage of net charge-offs (x) | 200.8966% | 622 |
| Efficiency ratio | 66.7086% | 2,193 |
| Assets per employee ($millions) | 6.0415% | 2,725 |
| Cash dividends to net income (ytd only)* | 40.4419% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8896% | 3,887 |
| Loan loss allowance to noncurrent loans | 1,027.9683% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.0483% | 3,416 |
| Noncurrent loans to loans | 0.0865% | 3,260 |
| Net loans and leases to total assets | 55.2600% | 2,977 |
| Net loans and leases to deposits | 62.1328% | 3,011 |
| Net loans and leases to core deposits | 64.0305% | 3,115 |
| Total domestic deposits to total assets | 88.9500% | 2,114 |
| Equity capital to assets | 5.3081% | 4,188 |
| Core capital (leverage) ratio | 8.7133% | 3,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2998% | 2,357 |
| Memoranda: | ||
| Average total assets | $766,429,250 | 1,228 |
| Average earning assets | $716,113,750 | 1,217 |
| Average equity | $51,473,500 | 1,607 |
| Average total loans | $401,543,250 | 1,380 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8768% | 3,839 |
| Cost of funding earning assets | 0.2120% | 2,753 |
| Net interest margin | 2.6648% | 3,787 |
| Noninterest income to average assets | 0.4299% | 2,570 |
| Noninterest expense to average assets | 2.0479% | 3,301 |
| Loan and lease loss provision to assets | 0.0168% | 2,299 |
| Net operating income to assets | 0.7259% | 3,222 |
| Return on assets (ROA) | 0.7354% | 3,151 |
| Pretax return on assets | 0.8730% | 3,140 |
| Return on Equity (ROE) | 10.2129% | 2,259 |
| Retained earnings to average equity (ytd only) | 3.8550% | 3,140 |
| Net charge-offs to loans | 0.0103% | 1,605 |
| Credit loss provision to net charge-offs | 320.0000% | 778 |
| Earnings coverage of net charge-offs (x) | 166.9500% | 596 |
| Efficiency ratio | 69.9784% | 1,960 |
| Assets per employee ($millions) | 6.0706% | 2,679 |
| Cash dividends to net income (ytd only)* | 62.2540% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9224% | 3,886 |
| Loan loss allowance to noncurrent loans | 837.4179% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.0593% | 3,391 |
| Noncurrent loans to loans | 0.1102% | 3,198 |
| Net loans and leases to total assets | 53.3172% | 3,030 |
| Net loans and leases to deposits | 58.8586% | 3,143 |
| Net loans and leases to core deposits | 60.6970% | 3,220 |
| Total domestic deposits to total assets | 90.5854% | 1,421 |
| Equity capital to assets | 6.1467% | 4,155 |
| Core capital (leverage) ratio | 8.6869% | 3,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5441% | 2,274 |
| Memoranda: | ||
| Average total assets | $760,106,000 | 1,240 |
| Average earning assets | $712,102,333 | 1,232 |
| Average equity | $54,734,667 | 1,561 |
| Average total loans | $389,410,000 | 1,413 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7792% | 3,782 |
| Cost of funding earning assets | 0.2084% | 2,687 |
| Net interest margin | 2.5708% | 3,735 |
| Noninterest income to average assets | 0.4208% | 2,553 |
| Noninterest expense to average assets | 1.9919% | 3,447 |
| Loan and lease loss provision to assets | 0.0170% | 2,049 |
| Net operating income to assets | 0.7027% | 3,051 |
| Return on assets (ROA) | 0.7140% | 2,993 |
| Pretax return on assets | 0.8374% | 2,986 |
| Return on Equity (ROE) | 9.2248% | 2,237 |
| Retained earnings to average equity (ytd only) | 5.8006% | 2,314 |
| Net charge-offs to loans | 0.0117% | 1,335 |
| Credit loss provision to net charge-offs | 290.9091% | 676 |
| Earnings coverage of net charge-offs (x) | 144.2727% | 549 |
| Efficiency ratio | 70.3087% | 2,190 |
| Assets per employee ($millions) | 5.9582% | 2,844 |
| Cash dividends to net income (ytd only)* | 37.1195% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9850% | 3,788 |
| Loan loss allowance to noncurrent loans | 807.6433% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 3,435 |
| Noncurrent loans to loans | 0.1220% | 3,215 |
| Net loans and leases to total assets | 50.9377% | 3,075 |
| Net loans and leases to deposits | 55.3079% | 3,317 |
| Net loans and leases to core deposits | 56.9669% | 3,380 |
| Total domestic deposits to total assets | 92.0984% | 540 |
| Equity capital to assets | 7.0198% | 4,204 |
| Core capital (leverage) ratio | 8.9526% | 3,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1870% | 2,123 |
| Memoranda: | ||
| Average total assets | $754,674,000 | 1,250 |
| Average earning assets | $708,112,500 | 1,245 |
| Average equity | $58,407,500 | 1,515 |
| Average total loans | $376,671,500 | 1,440 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8392% | 4,146 |
| Cost of funding earning assets | 0.3046% | 2,366 |
| Net interest margin | 2.5346% | 4,143 |
| Noninterest income to average assets | 0.4369% | 2,873 |
| Noninterest expense to average assets | 1.9646% | 3,784 |
| Loan and lease loss provision to assets | 0.0091% | 2,898 |
| Net operating income to assets | 0.7045% | 3,616 |
| Return on assets (ROA) | 0.7623% | 3,513 |
| Pretax return on assets | 0.9175% | 3,464 |
| Return on Equity (ROE) | 8.5161% | 3,074 |
| Retained earnings to average equity (ytd only) | 4.5020% | 3,006 |
| Net charge-offs to loans | 0.0003% | 2,696 |
| Credit loss provision to net charge-offs | 6,600.0000% | 109 |
| Earnings coverage of net charge-offs (x) | 6,201.0000% | 17 |
| Efficiency ratio | 69.6268% | 1,782 |
| Assets per employee ($millions) | 5.9267% | 2,842 |
| Cash dividends to net income (ytd only)* | 47.1356% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0304% | 3,629 |
| Loan loss allowance to noncurrent loans | 773.6196% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.0645% | 3,526 |
| Noncurrent loans to loans | 0.1332% | 3,268 |
| Net loans and leases to total assets | 47.8965% | 3,507 |
| Net loans and leases to deposits | 52.8877% | 3,672 |
| Net loans and leases to core deposits | 54.6453% | 3,715 |
| Total domestic deposits to total assets | 90.5626% | 687 |
| Equity capital to assets | 8.4516% | 4,077 |
| Core capital (leverage) ratio | 8.6896% | 3,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8709% | 1,900 |
| Memoranda: | ||
| Average total assets | $723,573,600 | 1,258 |
| Average earning assets | $680,784,800 | 1,245 |
| Average equity | $64,771,400 | 1,429 |
| Average total loans | $355,270,200 | 1,502 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8599% | 4,225 |
| Cost of funding earning assets | 0.3227% | 2,377 |
| Net interest margin | 2.5372% | 4,217 |
| Noninterest income to average assets | 0.4318% | 2,922 |
| Noninterest expense to average assets | 1.9660% | 3,776 |
| Loan and lease loss provision to assets | 0.0119% | 2,754 |
| Net operating income to assets | 0.6980% | 3,770 |
| Return on assets (ROA) | 0.7702% | 3,660 |
| Pretax return on assets | 0.9280% | 3,634 |
| Return on Equity (ROE) | 8.4779% | 3,263 |
| Retained earnings to average equity (ytd only) | 5.8087% | 2,912 |
| Net charge-offs to loans | -0.0030% | 3,301 |
| Credit loss provision to net charge-offs | -800.0000% | 3,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7413% | 1,627 |
| Assets per employee ($millions) | 5.6813% | 3,009 |
| Cash dividends to net income (ytd only)* | 31.4846% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0723% | 3,568 |
| Loan loss allowance to noncurrent loans | 654.7496% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.0778% | 3,584 |
| Noncurrent loans to loans | 0.1638% | 3,304 |
| Net loans and leases to total assets | 46.9937% | 3,716 |
| Net loans and leases to deposits | 52.1650% | 3,874 |
| Net loans and leases to core deposits | 54.0072% | 3,921 |
| Total domestic deposits to total assets | 90.0867% | 740 |
| Equity capital to assets | 8.8138% | 3,988 |
| Core capital (leverage) ratio | 8.7798% | 3,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4503% | 1,817 |
| Memoranda: | ||
| Average total assets | $714,813,750 | 1,291 |
| Average earning assets | $672,540,250 | 1,276 |
| Average equity | $64,935,500 | 1,444 |
| Average total loans | $352,304,750 | 1,537 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9021% | 4,222 |
| Cost of funding earning assets | 0.3304% | 2,483 |
| Net interest margin | 2.5717% | 4,211 |
| Noninterest income to average assets | 0.4210% | 3,001 |
| Noninterest expense to average assets | 1.9594% | 3,811 |
| Loan and lease loss provision to assets | 0.0179% | 2,604 |
| Net operating income to assets | 0.7158% | 3,720 |
| Return on assets (ROA) | 0.7867% | 3,615 |
| Pretax return on assets | 0.9489% | 3,548 |
| Return on Equity (ROE) | 8.5699% | 3,241 |
| Retained earnings to average equity (ytd only) | 4.5523% | 3,341 |
| Net charge-offs to loans | -0.0210% | 4,021 |
| Credit loss provision to net charge-offs | -170.2703% | 3,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9734% | 1,765 |
| Assets per employee ($millions) | 5.4610% | 3,176 |
| Cash dividends to net income (ytd only)* | 46.8806% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0932% | 3,448 |
| Loan loss allowance to noncurrent loans | 742.8016% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.0713% | 3,735 |
| Noncurrent loans to loans | 0.1472% | 3,469 |
| Net loans and leases to total assets | 47.9211% | 3,732 |
| Net loans and leases to deposits | 53.3855% | 3,898 |
| Net loans and leases to core deposits | 55.3692% | 3,938 |
| Total domestic deposits to total assets | 89.7643% | 888 |
| Equity capital to assets | 8.9939% | 3,805 |
| Core capital (leverage) ratio | 8.8627% | 3,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6767% | 1,729 |
| Memoranda: | ||
| Average total assets | $705,000,667 | 1,297 |
| Average earning assets | $663,376,000 | 1,283 |
| Average equity | $64,715,000 | 1,435 |
| Average total loans | $351,892,000 | 1,548 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0149% | 4,045 |
| Cost of funding earning assets | 0.3360% | 2,658 |
| Net interest margin | 2.6789% | 4,008 |
| Noninterest income to average assets | 0.4292% | 2,935 |
| Noninterest expense to average assets | 1.9969% | 3,720 |
| Loan and lease loss provision to assets | 0.0184% | 2,542 |
| Net operating income to assets | 0.7746% | 3,503 |
| Return on assets (ROA) | 0.7936% | 3,513 |
| Pretax return on assets | 0.9577% | 3,481 |
| Return on Equity (ROE) | 8.5561% | 3,171 |
| Retained earnings to average equity (ytd only) | 6.7001% | 2,666 |
| Net charge-offs to loans | -0.0181% | 3,944 |
| Credit loss provision to net charge-offs | -200.0000% | 2,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6911% | 1,975 |
| Assets per employee ($millions) | 5.6313% | 2,989 |
| Cash dividends to net income (ytd only)* | 21.6920% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0785% | 3,528 |
| Loan loss allowance to noncurrent loans | 727.0270% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.0730% | 3,850 |
| Noncurrent loans to loans | 0.1483% | 3,584 |
| Net loans and leases to total assets | 48.6820% | 3,746 |
| Net loans and leases to deposits | 54.3405% | 3,915 |
| Net loans and leases to core deposits | 56.3462% | 3,953 |
| Total domestic deposits to total assets | 89.5870% | 1,028 |
| Equity capital to assets | 8.9879% | 3,697 |
| Core capital (leverage) ratio | 9.2685% | 3,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2546% | 1,832 |
| Memoranda: | ||
| Average total assets | $697,072,000 | 1,288 |
| Average earning assets | $655,945,000 | 1,283 |
| Average equity | $64,656,000 | 1,431 |
| Average total loans | $353,207,500 | 1,554 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5222% | 3,982 |
| Cost of funding earning assets | 0.4603% | 3,218 |
| Net interest margin | 3.0619% | 3,723 |
| Noninterest income to average assets | 0.4735% | 2,757 |
| Noninterest expense to average assets | 2.1363% | 3,855 |
| Loan and lease loss provision to assets | 0.0496% | 3,767 |
| Net operating income to assets | 0.9438% | 2,507 |
| Return on assets (ROA) | 0.9808% | 2,501 |
| Pretax return on assets | 1.1906% | 2,357 |
| Return on Equity (ROE) | 9.5110% | 2,191 |
| Retained earnings to average equity (ytd only) | 5.1871% | 2,193 |
| Net charge-offs to loans | -0.0022% | 3,994 |
| Credit loss provision to net charge-offs | -3,825.0000% | 4,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1244% | 2,802 |
| Assets per employee ($millions) | 5.4334% | 2,913 |
| Cash dividends to net income (ytd only)* | 45.4621% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0408% | 3,716 |
| Loan loss allowance to noncurrent loans | 720.5426% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.0754% | 3,959 |
| Noncurrent loans to loans | 0.1444% | 3,707 |
| Net loans and leases to total assets | 51.6375% | 3,692 |
| Net loans and leases to deposits | 58.1515% | 3,884 |
| Net loans and leases to core deposits | 60.3831% | 3,920 |
| Total domestic deposits to total assets | 88.7982% | 1,073 |
| Equity capital to assets | 9.5733% | 3,540 |
| Core capital (leverage) ratio | 9.4005% | 3,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3304% | 1,730 |
| Memoranda: | ||
| Average total assets | $616,734,200 | 1,304 |
| Average earning assets | $575,660,800 | 1,300 |
| Average equity | $63,600,000 | 1,385 |
| Average total loans | $360,964,600 | 1,474 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6665% | 3,870 |
| Cost of funding earning assets | 0.4864% | 3,316 |
| Net interest margin | 3.1802% | 3,541 |
| Noninterest income to average assets | 0.4857% | 2,672 |
| Noninterest expense to average assets | 2.1888% | 3,706 |
| Loan and lease loss provision to assets | 0.0509% | 3,714 |
| Net operating income to assets | 0.9934% | 2,366 |
| Return on assets (ROA) | 1.0415% | 2,306 |
| Pretax return on assets | 1.2671% | 2,167 |
| Return on Equity (ROE) | 9.8970% | 2,054 |
| Retained earnings to average equity (ytd only) | 6.2001% | 2,018 |
| Net charge-offs to loans | -0.0007% | 3,801 |
| Credit loss provision to net charge-offs | -11,450.0000% | 4,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4775% | 2,830 |
| Assets per employee ($millions) | 5.0836% | 3,138 |
| Cash dividends to net income (ytd only)* | 37.3533% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0292% | 3,571 |
| Loan loss allowance to noncurrent loans | 428.6557% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.1324% | 3,763 |
| Noncurrent loans to loans | 0.2401% | 3,448 |
| Net loans and leases to total assets | 54.5747% | 3,748 |
| Net loans and leases to deposits | 62.1148% | 3,924 |
| Net loans and leases to core deposits | 64.8564% | 3,960 |
| Total domestic deposits to total assets | 87.8610% | 1,281 |
| Equity capital to assets | 10.2277% | 3,034 |
| Core capital (leverage) ratio | 9.8313% | 2,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5218% | 1,644 |
| Memoranda: | ||
| Average total assets | $599,766,500 | 1,312 |
| Average earning assets | $558,701,250 | 1,309 |
| Average equity | $63,115,250 | 1,383 |
| Average total loans | $361,898,000 | 1,465 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8375% | 3,767 |
| Cost of funding earning assets | 0.5051% | 3,501 |
| Net interest margin | 3.3324% | 3,299 |
| Noninterest income to average assets | 0.4824% | 2,641 |
| Noninterest expense to average assets | 2.2410% | 3,682 |
| Loan and lease loss provision to assets | 0.0522% | 3,651 |
| Net operating income to assets | 1.0583% | 2,112 |
| Return on assets (ROA) | 1.1232% | 2,010 |
| Pretax return on assets | 1.3682% | 1,808 |
| Return on Equity (ROE) | 10.5654% | 1,788 |
| Retained earnings to average equity (ytd only) | 4.9489% | 2,500 |
| Net charge-offs to loans | -0.0011% | 3,763 |
| Credit loss provision to net charge-offs | -7,650.0000% | 4,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5583% | 3,036 |
| Assets per employee ($millions) | 4.7924% | 3,422 |
| Cash dividends to net income (ytd only)* | 53.1592% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9665% | 3,728 |
| Loan loss allowance to noncurrent loans | 865.9367% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.0660% | 4,199 |
| Noncurrent loans to loans | 0.1116% | 4,007 |
| Net loans and leases to total assets | 58.5341% | 3,465 |
| Net loans and leases to deposits | 66.8309% | 3,655 |
| Net loans and leases to core deposits | 69.6632% | 3,734 |
| Total domestic deposits to total assets | 87.5854% | 1,383 |
| Equity capital to assets | 10.2902% | 2,934 |
| Core capital (leverage) ratio | 10.0321% | 2,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1073% | 1,764 |
| Memoranda: | ||
| Average total assets | $586,179,333 | 1,320 |
| Average earning assets | $545,246,667 | 1,318 |
| Average equity | $62,316,667 | 1,388 |
| Average total loans | $364,797,000 | 1,446 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0869% | 3,563 |
| Cost of funding earning assets | 0.5304% | 3,788 |
| Net interest margin | 3.5565% | 2,801 |
| Noninterest income to average assets | 0.4918% | 2,592 |
| Noninterest expense to average assets | 2.4348% | 3,461 |
| Loan and lease loss provision to assets | 0.0535% | 3,104 |
| Net operating income to assets | 1.0698% | 1,937 |
| Return on assets (ROA) | 1.1935% | 1,652 |
| Pretax return on assets | 1.4562% | 1,423 |
| Return on Equity (ROE) | 11.0321% | 1,398 |
| Retained earnings to average equity (ytd only) | 9.0784% | 957 |
| Net charge-offs to loans | -0.0011% | 3,611 |
| Credit loss provision to net charge-offs | -7,600.0000% | 3,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1783% | 3,207 |
| Assets per employee ($millions) | 4.3843% | 3,428 |
| Cash dividends to net income (ytd only)* | 17.7096% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9596% | 3,891 |
| Loan loss allowance to noncurrent loans | 777.0089% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.0786% | 4,215 |
| Noncurrent loans to loans | 0.1235% | 4,026 |
| Net loans and leases to total assets | 63.0374% | 3,184 |
| Net loans and leases to deposits | 72.7865% | 3,376 |
| Net loans and leases to core deposits | 76.3692% | 3,470 |
| Total domestic deposits to total assets | 86.6058% | 1,734 |
| Equity capital to assets | 11.0005% | 2,851 |
| Core capital (leverage) ratio | 10.7991% | 2,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $567,764,500 | 1,313 |
| Average earning assets | $527,151,000 | 1,316 |
| Average equity | $61,420,500 | 1,396 |
| Average total loans | $363,079,500 | 1,409 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4842% | 2,996 |
| Cost of funding earning assets | 0.5488% | 3,879 |
| Net interest margin | 3.9354% | 2,045 |
| Noninterest income to average assets | 0.5013% | 2,734 |
| Noninterest expense to average assets | 2.3657% | 3,780 |
| Loan and lease loss provision to assets | 0.0562% | 2,903 |
| Net operating income to assets | 1.3988% | 1,347 |
| Return on assets (ROA) | 1.3946% | 1,430 |
| Pretax return on assets | 1.7080% | 1,170 |
| Return on Equity (ROE) | 12.4422% | 1,345 |
| Retained earnings to average equity (ytd only) | -0.1853% | 4,728 |
| Net charge-offs to loans | 0.1142% | 1,595 |
| Credit loss provision to net charge-offs | 72.5118% | 2,880 |
| Earnings coverage of net charge-offs (x) | 22.8104% | 1,838 |
| Efficiency ratio | 57.2102% | 4,061 |
| Assets per employee ($millions) | 4.4185% | 3,348 |
| Cash dividends to net income (ytd only)* | 101.4894% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9367% | 3,804 |
| Loan loss allowance to noncurrent loans | 2,196.1290% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 4,512 |
| Noncurrent loans to loans | 0.0427% | 4,388 |
| Net loans and leases to total assets | 63.6503% | 3,244 |
| Net loans and leases to deposits | 73.2857% | 3,413 |
| Net loans and leases to core deposits | 77.0645% | 3,510 |
| Total domestic deposits to total assets | 86.8522% | 1,687 |
| Equity capital to assets | 10.6340% | 3,323 |
| Core capital (leverage) ratio | 10.4457% | 3,011 |
| Tier 1 risk-based capital ratio | 14.2907% | 3,126 |
| Total risk-based capital ratio | 15.1180% | 3,241 |
| Memoranda: | ||
| Average total assets | $544,025,400 | 1,318 |
| Average earning assets | $502,338,000 | 1,324 |
| Average equity | $60,978,000 | 1,367 |
| Average total loans | $369,384,000 | 1,359 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5566% | 2,869 |
| Cost of funding earning assets | 0.5455% | 3,958 |
| Net interest margin | 4.0112% | 1,898 |
| Noninterest income to average assets | 0.4990% | 2,736 |
| Noninterest expense to average assets | 2.4087% | 3,657 |
| Loan and lease loss provision to assets | 0.0567% | 2,761 |
| Net operating income to assets | 1.4137% | 1,421 |
| Return on assets (ROA) | 1.4070% | 1,510 |
| Pretax return on assets | 1.7241% | 1,265 |
| Return on Equity (ROE) | 12.3858% | 1,485 |
| Retained earnings to average equity (ytd only) | 10.2067% | 706 |
| Net charge-offs to loans | 0.1366% | 1,174 |
| Credit loss provision to net charge-offs | 60.2632% | 2,704 |
| Earnings coverage of net charge-offs (x) | 19.0186% | 2,023 |
| Efficiency ratio | 57.3829% | 4,017 |
| Assets per employee ($millions) | 4.3230% | 3,450 |
| Cash dividends to net income (ytd only)* | 17.5932% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9122% | 3,995 |
| Loan loss allowance to noncurrent loans | 2,092.5466% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0289% | 4,588 |
| Noncurrent loans to loans | 0.0436% | 4,454 |
| Net loans and leases to total assets | 65.6227% | 3,095 |
| Net loans and leases to deposits | 75.7974% | 3,313 |
| Net loans and leases to core deposits | 79.7573% | 3,405 |
| Total domestic deposits to total assets | 86.5764% | 1,736 |
| Equity capital to assets | 10.7483% | 3,335 |
| Core capital (leverage) ratio | 10.6367% | 2,987 |
| Tier 1 risk-based capital ratio | 14.0185% | 3,319 |
| Total risk-based capital ratio | 14.8314% | 3,445 |
| Memoranda: | ||
| Average total assets | $538,640,750 | 1,341 |
| Average earning assets | $496,669,250 | 1,344 |
| Average equity | $61,187,000 | 1,367 |
| Average total loans | $370,883,250 | 1,367 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5729% | 2,762 |
| Cost of funding earning assets | 0.5348% | 3,953 |
| Net interest margin | 4.0381% | 1,801 |
| Noninterest income to average assets | 0.4712% | 2,832 |
| Noninterest expense to average assets | 2.4140% | 3,706 |
| Loan and lease loss provision to assets | 0.0575% | 2,672 |
| Net operating income to assets | 1.4116% | 1,403 |
| Return on assets (ROA) | 1.4011% | 1,489 |
| Pretax return on assets | 1.7144% | 1,243 |
| Return on Equity (ROE) | 12.1066% | 1,536 |
| Retained earnings to average equity (ytd only) | 8.8600% | 1,073 |
| Net charge-offs to loans | 0.2046% | 811 |
| Credit loss provision to net charge-offs | 40.2632% | 2,531 |
| Earnings coverage of net charge-offs (x) | 12.5000% | 2,150 |
| Efficiency ratio | 57.4944% | 4,072 |
| Assets per employee ($millions) | 4.1441% | 3,661 |
| Cash dividends to net income (ytd only)* | 26.8168% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8764% | 4,178 |
| Loan loss allowance to noncurrent loans | 7,484.0909% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 4,764 |
| Noncurrent loans to loans | 0.0117% | 4,663 |
| Net loans and leases to total assets | 69.1343% | 2,655 |
| Net loans and leases to deposits | 81.0265% | 2,843 |
| Net loans and leases to core deposits | 85.4296% | 3,004 |
| Total domestic deposits to total assets | 85.3230% | 2,332 |
| Equity capital to assets | 11.7952% | 2,348 |
| Core capital (leverage) ratio | 11.4111% | 2,235 |
| Tier 1 risk-based capital ratio | 14.8092% | 2,911 |
| Total risk-based capital ratio | 15.6003% | 3,062 |
| Memoranda: | ||
| Average total assets | $532,300,670 | 1,353 |
| Average earning assets | $491,371,000 | 1,355 |
| Average equity | $61,603,000 | 1,347 |
| Average total loans | $371,404,000 | 1,365 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4944% | 2,886 |
| Cost of funding earning assets | 0.5148% | 3,997 |
| Net interest margin | 3.9796% | 1,913 |
| Noninterest income to average assets | 0.4445% | 2,879 |
| Noninterest expense to average assets | 2.4964% | 3,521 |
| Loan and lease loss provision to assets | 0.0575% | 2,512 |
| Net operating income to assets | 1.2788% | 1,779 |
| Return on assets (ROA) | 1.2565% | 1,909 |
| Pretax return on assets | 1.5340% | 1,667 |
| Return on Equity (ROE) | 10.9644% | 1,960 |
| Retained earnings to average equity (ytd only) | 10.9644% | 811 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6651% | 3,726 |
| Assets per employee ($millions) | 4.2996% | 3,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9600% | 3,930 |
| Loan loss allowance to noncurrent loans | 951.3228% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.0703% | 4,467 |
| Noncurrent loans to loans | 0.1009% | 4,287 |
| Net loans and leases to total assets | 69.0269% | 2,617 |
| Net loans and leases to deposits | 82.5866% | 2,553 |
| Net loans and leases to core deposits | 86.5939% | 2,817 |
| Total domestic deposits to total assets | 83.5812% | 3,192 |
| Equity capital to assets | 11.5051% | 2,393 |
| Core capital (leverage) ratio | 11.5877% | 2,064 |
| Tier 1 risk-based capital ratio | 14.7028% | 3,002 |
| Total risk-based capital ratio | 15.5755% | 3,113 |
| Memoranda: | ||
| Average total assets | $529,087,500 | 1,367 |
| Average earning assets | $487,985,000 | 1,370 |
| Average equity | $60,632,500 | 1,362 |
| Average total loans | $369,237,000 | 1,376 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1849% | 3,477 |
| Cost of funding earning assets | 0.3734% | 4,137 |
| Net interest margin | 3.8115% | 2,627 |
| Noninterest income to average assets | 0.4581% | 3,059 |
| Noninterest expense to average assets | 2.2143% | 4,307 |
| Loan and lease loss provision to assets | 0.0582% | 2,997 |
| Net operating income to assets | 1.4080% | 1,405 |
| Return on assets (ROA) | 1.4097% | 1,385 |
| Pretax return on assets | 1.7152% | 1,127 |
| Return on Equity (ROE) | 12.9315% | 1,372 |
| Retained earnings to average equity (ytd only) | 8.2900% | 1,124 |
| Net charge-offs to loans | -0.0006% | 4,164 |
| Credit loss provision to net charge-offs | -15,250.0000% | 4,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5572% | 4,467 |
| Assets per employee ($millions) | 4.2682% | 3,514 |
| Cash dividends to net income (ytd only)* | 35.8933% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9671% | 3,874 |
| Loan loss allowance to noncurrent loans | 175,950.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 4,936 |
| Noncurrent loans to loans | 0.0005% | 4,834 |
| Net loans and leases to total assets | 69.2062% | 2,706 |
| Net loans and leases to deposits | 82.3486% | 2,686 |
| Net loans and leases to core deposits | 86.4137% | 2,881 |
| Total domestic deposits to total assets | 84.0405% | 2,985 |
| Equity capital to assets | 11.4131% | 2,318 |
| Core capital (leverage) ratio | 11.2634% | 2,294 |
| Tier 1 risk-based capital ratio | 14.6405% | 2,995 |
| Total risk-based capital ratio | 15.5158% | 3,098 |
| Memoranda: | ||
| Average total assets | $523,732,600 | 1,342 |
| Average earning assets | $484,715,600 | 1,351 |
| Average equity | $57,093,000 | 1,384 |
| Average total loans | $351,267,200 | 1,399 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0927% | 3,660 |
| Cost of funding earning assets | 0.3464% | 4,202 |
| Net interest margin | 3.7462% | 2,839 |
| Noninterest income to average assets | 0.4520% | 3,154 |
| Noninterest expense to average assets | 2.2012% | 4,322 |
| Loan and lease loss provision to assets | 0.0580% | 2,818 |
| Net operating income to assets | 1.3729% | 1,584 |
| Return on assets (ROA) | 1.3750% | 1,579 |
| Pretax return on assets | 1.6699% | 1,348 |
| Return on Equity (ROE) | 12.7623% | 1,516 |
| Retained earnings to average equity (ytd only) | 9.8130% | 981 |
| Net charge-offs to loans | -0.0034% | 4,158 |
| Credit loss provision to net charge-offs | -2,533.3333% | 4,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0598% | 4,384 |
| Assets per employee ($millions) | 4.2867% | 3,452 |
| Cash dividends to net income (ytd only)* | 23.1097% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9668% | 3,960 |
| Loan loss allowance to noncurrent loans | 5,564.5161% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0118% | 4,952 |
| Noncurrent loans to loans | 0.0174% | 4,836 |
| Net loans and leases to total assets | 67.0227% | 3,066 |
| Net loans and leases to deposits | 81.0425% | 2,925 |
| Net loans and leases to core deposits | 84.8954% | 3,089 |
| Total domestic deposits to total assets | 82.7008% | 3,404 |
| Equity capital to assets | 11.0566% | 2,608 |
| Core capital (leverage) ratio | 10.9654% | 2,615 |
| Tier 1 risk-based capital ratio | 14.5498% | 3,098 |
| Total risk-based capital ratio | 15.4110% | 3,206 |
| Memoranda: | ||
| Average total assets | $524,486,000 | 1,342 |
| Average earning assets | $486,452,500 | 1,352 |
| Average equity | $56,508,750 | 1,392 |
| Average total loans | $348,111,750 | 1,413 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9942% | 3,800 |
| Cost of funding earning assets | 0.3044% | 4,385 |
| Net interest margin | 3.6899% | 2,969 |
| Noninterest income to average assets | 0.4466% | 3,176 |
| Noninterest expense to average assets | 2.1610% | 4,459 |
| Loan and lease loss provision to assets | 0.0581% | 2,744 |
| Net operating income to assets | 1.3614% | 1,564 |
| Return on assets (ROA) | 1.3645% | 1,555 |
| Pretax return on assets | 1.6583% | 1,320 |
| Return on Equity (ROE) | 12.7771% | 1,451 |
| Retained earnings to average equity (ytd only) | 9.2001% | 1,152 |
| Net charge-offs to loans | -0.0041% | 4,052 |
| Credit loss provision to net charge-offs | -2,171.4286% | 4,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7890% | 4,503 |
| Assets per employee ($millions) | 4.1645% | 3,637 |
| Cash dividends to net income (ytd only)* | 27.9955% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9532% | 4,100 |
| Loan loss allowance to noncurrent loans | 5,438.7097% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0117% | 4,983 |
| Noncurrent loans to loans | 0.0175% | 4,865 |
| Net loans and leases to total assets | 66.2497% | 3,105 |
| Net loans and leases to deposits | 78.7666% | 3,080 |
| Net loans and leases to core deposits | 83.0818% | 3,156 |
| Total domestic deposits to total assets | 84.1089% | 3,022 |
| Equity capital to assets | 10.7505% | 2,887 |
| Core capital (leverage) ratio | 10.7100% | 2,794 |
| Tier 1 risk-based capital ratio | 14.2814% | 3,215 |
| Total risk-based capital ratio | 15.1308% | 3,333 |
| Memoranda: | ||
| Average total assets | $523,561,330 | 1,352 |
| Average earning assets | $486,251,670 | 1,349 |
| Average equity | $55,912,670 | 1,402 |
| Average total loans | $345,204,330 | 1,425 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8752% | 4,001 |
| Cost of funding earning assets | 0.2651% | 4,616 |
| Net interest margin | 3.6101% | 3,136 |
| Noninterest income to average assets | 0.4385% | 3,191 |
| Noninterest expense to average assets | 2.2538% | 4,282 |
| Loan and lease loss provision to assets | 0.0576% | 2,618 |
| Net operating income to assets | 1.2023% | 1,992 |
| Return on assets (ROA) | 1.2079% | 1,979 |
| Pretax return on assets | 1.4905% | 1,702 |
| Return on Equity (ROE) | 11.3492% | 1,834 |
| Retained earnings to average equity (ytd only) | 11.3492% | 817 |
| Net charge-offs to loans | -0.0012% | 3,764 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3889% | 4,150 |
| Assets per employee ($millions) | 4.2463% | 3,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9426% | 4,254 |
| Loan loss allowance to noncurrent loans | 4,983.3333% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 5,062 |
| Noncurrent loans to loans | 0.0189% | 4,907 |
| Net loans and leases to total assets | 66.1779% | 3,009 |
| Net loans and leases to deposits | 76.4550% | 3,164 |
| Net loans and leases to core deposits | 80.7553% | 3,266 |
| Total domestic deposits to total assets | 86.5580% | 2,289 |
| Equity capital to assets | 10.7163% | 2,856 |
| Core capital (leverage) ratio | 10.7572% | 2,680 |
| Tier 1 risk-based capital ratio | 14.3429% | 3,202 |
| Total risk-based capital ratio | 15.1898% | 3,326 |
| Memoranda: | ||
| Average total assets | $520,898,500 | 1,372 |
| Average earning assets | $484,306,500 | 1,369 |
| Average equity | $55,440,000 | 1,417 |
| Average total loans | $340,927,500 | 1,445 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6802% | 4,384 |
| Cost of funding earning assets | 0.2333% | 4,701 |
| Net interest margin | 3.4469% | 3,696 |
| Noninterest income to average assets | 0.4745% | 3,159 |
| Noninterest expense to average assets | 2.0919% | 4,782 |
| Loan and lease loss provision to assets | 0.0647% | 2,927 |
| Net operating income to assets | 1.0411% | 2,088 |
| Return on assets (ROA) | 1.0442% | 2,105 |
| Pretax return on assets | 1.5191% | 1,563 |
| Return on Equity (ROE) | 9.8991% | 1,931 |
| Retained earnings to average equity (ytd only) | 5.4359% | 1,850 |
| Net charge-offs to loans | 0.0054% | 3,893 |
| Credit loss provision to net charge-offs | 1,941.1765% | 196 |
| Earnings coverage of net charge-offs (x) | 473.5882% | 186 |
| Efficiency ratio | 56.9810% | 4,659 |
| Assets per employee ($millions) | 4.2583% | 3,563 |
| Cash dividends to net income (ytd only)* | 45.0874% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9651% | 4,135 |
| Loan loss allowance to noncurrent loans | 4,868.1818% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 5,101 |
| Noncurrent loans to loans | 0.0198% | 4,928 |
| Net loans and leases to total assets | 63.4664% | 3,426 |
| Net loans and leases to deposits | 71.9181% | 3,710 |
| Net loans and leases to core deposits | 75.5800% | 3,768 |
| Total domestic deposits to total assets | 88.2481% | 1,379 |
| Equity capital to assets | 10.5696% | 3,087 |
| Core capital (leverage) ratio | 10.5303% | 2,814 |
| Tier 1 risk-based capital ratio | 14.5604% | 3,059 |
| Total risk-based capital ratio | 15.4247% | 3,169 |
| Memoranda: | ||
| Average total assets | $509,772,600 | 1,374 |
| Average earning assets | $472,771,200 | 1,376 |
| Average equity | $53,772,400 | 1,428 |
| Average total loans | $313,290,800 | 1,516 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6396% | 4,465 |
| Cost of funding earning assets | 0.2364% | 4,687 |
| Net interest margin | 3.4032% | 3,839 |
| Noninterest income to average assets | 0.4491% | 3,336 |
| Noninterest expense to average assets | 2.0924% | 4,755 |
| Loan and lease loss provision to assets | 0.0670% | 2,728 |
| Net operating income to assets | 1.0492% | 2,334 |
| Return on assets (ROA) | 1.0520% | 2,359 |
| Pretax return on assets | 1.4530% | 1,935 |
| Return on Equity (ROE) | 9.9783% | 2,144 |
| Retained earnings to average equity (ytd only) | 6.4885% | 1,966 |
| Net charge-offs to loans | 0.0009% | 3,767 |
| Credit loss provision to net charge-offs | 12,750.0000% | 35 |
| Earnings coverage of net charge-offs (x) | 2,880.8277% | 20 |
| Efficiency ratio | 57.9856% | 4,506 |
| Assets per employee ($millions) | 4.2796% | 3,507 |
| Cash dividends to net income (ytd only)* | 34.9738% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9743% | 4,215 |
| Loan loss allowance to noncurrent loans | 4,850.7692% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 5,195 |
| Noncurrent loans to loans | 0.0201% | 5,042 |
| Net loans and leases to total assets | 61.8824% | 3,667 |
| Net loans and leases to deposits | 70.6566% | 3,905 |
| Net loans and leases to core deposits | 74.1905% | 3,961 |
| Total domestic deposits to total assets | 87.5819% | 1,593 |
| Equity capital to assets | 10.6488% | 3,218 |
| Core capital (leverage) ratio | 10.5111% | 2,978 |
| Tier 1 risk-based capital ratio | 14.8151% | 3,009 |
| Total risk-based capital ratio | 15.6832% | 3,136 |
| Memoranda: | ||
| Average total assets | $507,338,750 | 1,394 |
| Average earning assets | $470,996,000 | 1,392 |
| Average equity | $53,488,000 | 1,448 |
| Average total loans | $308,382,000 | 1,539 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5865% | 4,549 |
| Cost of funding earning assets | 0.2365% | 4,669 |
| Net interest margin | 3.3500% | 3,949 |
| Noninterest income to average assets | 0.4414% | 3,409 |
| Noninterest expense to average assets | 2.1181% | 4,741 |
| Loan and lease loss provision to assets | 0.0715% | 2,542 |
| Net operating income to assets | 0.9928% | 2,457 |
| Return on assets (ROA) | 0.9971% | 2,488 |
| Pretax return on assets | 1.3667% | 2,145 |
| Return on Equity (ROE) | 9.4906% | 2,279 |
| Retained earnings to average equity (ytd only) | 4.2013% | 3,207 |
| Net charge-offs to loans | 0.0046% | 3,319 |
| Credit loss provision to net charge-offs | 2,571.4286% | 167 |
| Earnings coverage of net charge-offs (x) | 515.4286% | 164 |
| Efficiency ratio | 59.6601% | 4,367 |
| Assets per employee ($millions) | 4.1379% | 3,729 |
| Cash dividends to net income (ytd only)* | 55.7325% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 4,332 |
| Loan loss allowance to noncurrent loans | 4,727.6923% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 5,241 |
| Noncurrent loans to loans | 0.0205% | 5,084 |
| Net loans and leases to total assets | 61.6953% | 3,666 |
| Net loans and leases to deposits | 70.8729% | 3,837 |
| Net loans and leases to core deposits | 74.8289% | 3,873 |
| Total domestic deposits to total assets | 87.0505% | 1,928 |
| Equity capital to assets | 10.5652% | 3,266 |
| Core capital (leverage) ratio | 10.3484% | 3,072 |
| Tier 1 risk-based capital ratio | 14.6975% | 3,067 |
| Total risk-based capital ratio | 15.5608% | 3,183 |
| Memoranda: | ||
| Average total assets | $503,840,330 | 1,406 |
| Average earning assets | $467,582,000 | 1,408 |
| Average equity | $52,936,330 | 1,462 |
| Average total loans | $303,309,000 | 1,562 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5206% | 4,635 |
| Cost of funding earning assets | 0.2312% | 4,704 |
| Net interest margin | 3.2894% | 4,045 |
| Noninterest income to average assets | 0.4341% | 3,423 |
| Noninterest expense to average assets | 2.2199% | 4,589 |
| Loan and lease loss provision to assets | 0.0838% | 2,141 |
| Net operating income to assets | 0.8770% | 2,872 |
| Return on assets (ROA) | 0.8770% | 2,927 |
| Pretax return on assets | 1.1842% | 2,661 |
| Return on Equity (ROE) | 8.3705% | 2,732 |
| Retained earnings to average equity (ytd only) | 4.5622% | 3,145 |
| Net charge-offs to loans | 0.0094% | 2,644 |
| Credit loss provision to net charge-offs | 1,500.0000% | 215 |
| Earnings coverage of net charge-offs (x) | 227.0000% | 249 |
| Efficiency ratio | 63.6468% | 3,896 |
| Assets per employee ($millions) | 4.1305% | 3,790 |
| Cash dividends to net income (ytd only)* | 45.4959% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0002% | 4,288 |
| Loan loss allowance to noncurrent loans | 4,408.8235% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 5,298 |
| Noncurrent loans to loans | 0.0227% | 5,131 |
| Net loans and leases to total assets | 58.8848% | 3,896 |
| Net loans and leases to deposits | 65.9800% | 4,173 |
| Net loans and leases to core deposits | 69.6454% | 4,172 |
| Total domestic deposits to total assets | 89.2464% | 1,029 |
| Equity capital to assets | 10.5067% | 3,179 |
| Core capital (leverage) ratio | 10.4311% | 2,983 |
| Tier 1 risk-based capital ratio | 15.1854% | 2,883 |
| Total risk-based capital ratio | 16.0642% | 2,986 |
| Memoranda: | ||
| Average total assets | $501,279,000 | 1,419 |
| Average earning assets | $465,370,500 | 1,418 |
| Average equity | $52,518,000 | 1,472 |
| Average total loans | $296,424,000 | 1,598 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6066% | 4,491 |
| Cost of funding earning assets | 0.2647% | 4,416 |
| Net interest margin | 3.3420% | 4,024 |
| Noninterest income to average assets | 0.5116% | 3,164 |
| Noninterest expense to average assets | 2.0931% | 5,013 |
| Loan and lease loss provision to assets | 0.1056% | 2,288 |
| Net operating income to assets | 1.0414% | 2,177 |
| Return on assets (ROA) | 1.0414% | 2,277 |
| Pretax return on assets | 1.4210% | 1,857 |
| Return on Equity (ROE) | 9.9307% | 1,986 |
| Retained earnings to average equity (ytd only) | 5.4282% | 2,060 |
| Net charge-offs to loans | 0.0010% | 4,251 |
| Credit loss provision to net charge-offs | 17,333.3333% | 24 |
| Earnings coverage of net charge-offs (x) | 2,505.6667% | 20 |
| Efficiency ratio | 57.8265% | 4,875 |
| Assets per employee ($millions) | 4.0872% | 3,812 |
| Cash dividends to net income (ytd only)* | 45.3393% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9894% | 4,399 |
| Loan loss allowance to noncurrent loans | 4,264.7059% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 5,345 |
| Noncurrent loans to loans | 0.0232% | 5,175 |
| Net loans and leases to total assets | 58.2021% | 4,051 |
| Net loans and leases to deposits | 65.1524% | 4,319 |
| Net loans and leases to core deposits | 68.9786% | 4,323 |
| Total domestic deposits to total assets | 89.3322% | 932 |
| Equity capital to assets | 10.4466% | 3,216 |
| Core capital (leverage) ratio | 10.3194% | 3,081 |
| Tier 1 risk-based capital ratio | 15.1231% | 2,912 |
| Total risk-based capital ratio | 15.9796% | 3,029 |
| Memoranda: | ||
| Average total assets | $492,416,000 | 1,403 |
| Average earning assets | $457,962,800 | 1,396 |
| Average equity | $51,637,800 | 1,481 |
| Average total loans | $295,597,600 | 1,538 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6286% | 4,474 |
| Cost of funding earning assets | 0.2716% | 4,373 |
| Net interest margin | 3.3570% | 4,010 |
| Noninterest income to average assets | 0.5356% | 3,006 |
| Noninterest expense to average assets | 2.1097% | 4,995 |
| Loan and lease loss provision to assets | 0.0856% | 2,512 |
| Net operating income to assets | 1.0710% | 2,114 |
| Return on assets (ROA) | 1.0710% | 2,226 |
| Pretax return on assets | 1.4632% | 1,842 |
| Return on Equity (ROE) | 10.2033% | 1,972 |
| Retained earnings to average equity (ytd only) | 6.5158% | 1,903 |
| Net charge-offs to loans | 0.0009% | 3,922 |
| Credit loss provision to net charge-offs | 15,750.0000% | 26 |
| Earnings coverage of net charge-offs (x) | 2,847.3708% | 18 |
| Efficiency ratio | 57.6658% | 4,863 |
| Assets per employee ($millions) | 4.0470% | 3,883 |
| Cash dividends to net income (ytd only)* | 36.1400% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9039% | 4,853 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 59.8607% | 3,892 |
| Net loans and leases to deposits | 67.3534% | 4,216 |
| Net loans and leases to core deposits | 71.3144% | 4,224 |
| Total domestic deposits to total assets | 88.8756% | 974 |
| Equity capital to assets | 10.7610% | 3,298 |
| Core capital (leverage) ratio | 10.3489% | 3,159 |
| Tier 1 risk-based capital ratio | 15.0052% | 3,047 |
| Total risk-based capital ratio | 15.7996% | 3,200 |
| Memoranda: | ||
| Average total assets | $490,859,500 | 1,406 |
| Average earning assets | $456,619,750 | 1,405 |
| Average equity | $51,524,500 | 1,493 |
| Average total loans | $296,217,000 | 1,535 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5882% | 4,627 |
| Cost of funding earning assets | 0.2749% | 4,391 |
| Net interest margin | 3.3132% | 4,184 |
| Noninterest income to average assets | 0.4503% | 3,520 |
| Noninterest expense to average assets | 2.1057% | 5,044 |
| Loan and lease loss provision to assets | 0.0857% | 2,433 |
| Net operating income to assets | 0.9961% | 2,413 |
| Return on assets (ROA) | 0.9961% | 2,549 |
| Pretax return on assets | 1.3484% | 2,213 |
| Return on Equity (ROE) | 9.5707% | 2,244 |
| Retained earnings to average equity (ytd only) | 3.9813% | 3,368 |
| Net charge-offs to loans | -0.0007% | 4,307 |
| Credit loss provision to net charge-offs | -21,000.0000% | 5,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4856% | 4,715 |
| Assets per employee ($millions) | 4.0284% | 3,852 |
| Cash dividends to net income (ytd only)* | 58.4016% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8603% | 5,099 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 60.8276% | 3,774 |
| Net loans and leases to deposits | 69.4501% | 4,036 |
| Net loans and leases to core deposits | 73.5195% | 4,029 |
| Total domestic deposits to total assets | 87.5846% | 1,630 |
| Equity capital to assets | 10.5294% | 3,607 |
| Core capital (leverage) ratio | 10.1459% | 3,393 |
| Tier 1 risk-based capital ratio | 14.5479% | 3,291 |
| Total risk-based capital ratio | 15.3115% | 3,486 |
| Memoranda: | ||
| Average total assets | $489,900,670 | 1,413 |
| Average earning assets | $456,834,670 | 1,403 |
| Average equity | $50,989,000 | 1,508 |
| Average total loans | $295,539,330 | 1,539 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5417% | 4,780 |
| Cost of funding earning assets | 0.2830% | 4,355 |
| Net interest margin | 3.2587% | 4,367 |
| Noninterest income to average assets | 0.4220% | 3,671 |
| Noninterest expense to average assets | 2.1696% | 4,980 |
| Loan and lease loss provision to assets | 0.0859% | 2,248 |
| Net operating income to assets | 0.8865% | 2,824 |
| Return on assets (ROA) | 0.8865% | 2,946 |
| Pretax return on assets | 1.2079% | 2,670 |
| Return on Equity (ROE) | 8.5676% | 2,625 |
| Retained earnings to average equity (ytd only) | 8.5676% | 1,240 |
| Net charge-offs to loans | -0.0055% | 4,318 |
| Credit loss provision to net charge-offs | -2,625.0000% | 4,932 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6446% | 4,349 |
| Assets per employee ($millions) | 3.9605% | 4,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8417% | 5,249 |
| Loan loss allowance to noncurrent loans | 238.9262% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.2141% | 4,703 |
| Noncurrent loans to loans | 0.3523% | 4,167 |
| Net loans and leases to total assets | 60.2623% | 3,734 |
| Net loans and leases to deposits | 67.5761% | 4,101 |
| Net loans and leases to core deposits | 71.8493% | 4,074 |
| Total domestic deposits to total assets | 89.1770% | 1,010 |
| Equity capital to assets | 10.5525% | 3,426 |
| Core capital (leverage) ratio | 10.1982% | 3,317 |
| Tier 1 risk-based capital ratio | 14.7856% | 3,250 |
| Total risk-based capital ratio | 15.5302% | 3,436 |
| Memoranda: | ||
| Average total assets | $489,119,500 | 1,416 |
| Average earning assets | $456,501,500 | 1,401 |
| Average equity | $50,609,500 | 1,517 |
| Average total loans | $292,539,500 | 1,552 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4816% | 4,967 |
| Cost of funding earning assets | 0.3425% | 3,769 |
| Net interest margin | 3.1391% | 4,812 |
| Noninterest income to average assets | 0.4429% | 3,725 |
| Noninterest expense to average assets | 2.0379% | 5,380 |
| Loan and lease loss provision to assets | 0.0715% | 2,842 |
| Net operating income to assets | 0.9433% | 2,644 |
| Return on assets (ROA) | 0.9539% | 2,674 |
| Pretax return on assets | 1.2714% | 2,394 |
| Return on Equity (ROE) | 9.3093% | 2,318 |
| Retained earnings to average equity (ytd only) | 3.0384% | 3,890 |
| Net charge-offs to loans | 0.0107% | 4,099 |
| Credit loss provision to net charge-offs | 1,150.0000% | 295 |
| Earnings coverage of net charge-offs (x) | 213.7000% | 319 |
| Efficiency ratio | 60.5307% | 4,834 |
| Assets per employee ($millions) | 4.0253% | 3,892 |
| Cash dividends to net income (ytd only)* | 67.3620% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8245% | 5,343 |
| Loan loss allowance to noncurrent loans | 220.8526% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.2197% | 4,714 |
| Noncurrent loans to loans | 0.3733% | 4,108 |
| Net loans and leases to total assets | 58.3675% | 4,032 |
| Net loans and leases to deposits | 65.1218% | 4,387 |
| Net loans and leases to core deposits | 69.1782% | 4,360 |
| Total domestic deposits to total assets | 89.6282% | 786 |
| Equity capital to assets | 10.1433% | 3,816 |
| Core capital (leverage) ratio | 9.9238% | 3,613 |
| Tier 1 risk-based capital ratio | 14.7417% | 3,309 |
| Total risk-based capital ratio | 15.4675% | 3,514 |
| Memoranda: | ||
| Average total assets | $482,459,000 | 1,397 |
| Average earning assets | $449,358,000 | 1,381 |
| Average equity | $49,434,400 | 1,507 |
| Average total loans | $280,740,400 | 1,553 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4792% | 5,030 |
| Cost of funding earning assets | 0.3601% | 3,649 |
| Net interest margin | 3.1191% | 4,912 |
| Noninterest income to average assets | 0.4433% | 3,767 |
| Noninterest expense to average assets | 2.0359% | 5,408 |
| Loan and lease loss provision to assets | 0.0666% | 2,853 |
| Net operating income to assets | 0.9330% | 2,788 |
| Return on assets (ROA) | 0.9472% | 2,827 |
| Pretax return on assets | 1.2642% | 2,536 |
| Return on Equity (ROE) | 9.2202% | 2,456 |
| Retained earnings to average equity (ytd only) | 3.5454% | 3,943 |
| Net charge-offs to loans | -0.0029% | 4,748 |
| Credit loss provision to net charge-offs | -4,000.0000% | 5,675 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8126% | 4,775 |
| Assets per employee ($millions) | 4.0521% | 3,801 |
| Cash dividends to net income (ytd only)* | 61.5475% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8089% | 5,492 |
| Loan loss allowance to noncurrent loans | 77,133.3333% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 5,833 |
| Noncurrent loans to loans | 0.0010% | 5,676 |
| Net loans and leases to total assets | 58.8465% | 4,036 |
| Net loans and leases to deposits | 65.8724% | 4,394 |
| Net loans and leases to core deposits | 70.1880% | 4,354 |
| Total domestic deposits to total assets | 89.3340% | 851 |
| Equity capital to assets | 10.3860% | 3,723 |
| Core capital (leverage) ratio | 9.9903% | 3,647 |
| Tier 1 risk-based capital ratio | 14.8588% | 3,364 |
| Total risk-based capital ratio | 15.5720% | 3,585 |
| Memoranda: | ||
| Average total assets | $480,300,750 | 1,411 |
| Average earning assets | $447,258,750 | 1,393 |
| Average equity | $49,339,750 | 1,514 |
| Average total loans | $278,670,250 | 1,571 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4505% | 5,103 |
| Cost of funding earning assets | 0.3802% | 3,487 |
| Net interest margin | 3.0703% | 5,043 |
| Noninterest income to average assets | 0.4503% | 3,705 |
| Noninterest expense to average assets | 2.0110% | 5,510 |
| Loan and lease loss provision to assets | 0.0563% | 2,976 |
| Net operating income to assets | 0.9306% | 2,727 |
| Return on assets (ROA) | 0.9519% | 2,743 |
| Pretax return on assets | 1.2700% | 2,470 |
| Return on Equity (ROE) | 9.3008% | 2,383 |
| Retained earnings to average equity (ytd only) | 4.8195% | 2,976 |
| Net charge-offs to loans | -0.0036% | 4,668 |
| Credit loss provision to net charge-offs | -2,700.0000% | 5,512 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7737% | 4,866 |
| Assets per employee ($millions) | 4.0521% | 3,775 |
| Cash dividends to net income (ytd only)* | 48.1822% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7742% | 5,657 |
| Loan loss allowance to noncurrent loans | 73,600.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 5,926 |
| Noncurrent loans to loans | 0.0011% | 5,781 |
| Net loans and leases to total assets | 59.1812% | 3,948 |
| Net loans and leases to deposits | 66.2134% | 4,318 |
| Net loans and leases to core deposits | 71.5041% | 4,181 |
| Total domestic deposits to total assets | 89.3794% | 961 |
| Equity capital to assets | 10.3780% | 3,584 |
| Core capital (leverage) ratio | 10.0560% | 3,524 |
| Tier 1 risk-based capital ratio | 14.9442% | 3,385 |
| Total risk-based capital ratio | 15.6305% | 3,628 |
| Memoranda: | ||
| Average total assets | $479,668,670 | 1,421 |
| Average earning assets | $446,603,330 | 1,404 |
| Average equity | $49,092,670 | 1,529 |
| Average total loans | $276,203,670 | 1,592 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3739% | 5,267 |
| Cost of funding earning assets | 0.3925% | 3,385 |
| Net interest margin | 2.9814% | 5,268 |
| Noninterest income to average assets | 0.4613% | 3,567 |
| Noninterest expense to average assets | 2.0174% | 5,546 |
| Loan and lease loss provision to assets | 0.0500% | 2,934 |
| Net operating income to assets | 0.8825% | 2,832 |
| Return on assets (ROA) | 0.9250% | 2,752 |
| Pretax return on assets | 1.2272% | 2,561 |
| Return on Equity (ROE) | 9.1013% | 2,400 |
| Retained earnings to average equity (ytd only) | 7.4629% | 1,782 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3039% | 4,750 |
| Assets per employee ($millions) | 4.2296% | 3,508 |
| Cash dividends to net income (ytd only)* | 18.0018% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7638% | 5,774 |
| Loan loss allowance to noncurrent loans | 53,200.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 5,978 |
| Noncurrent loans to loans | 0.0014% | 5,819 |
| Net loans and leases to total assets | 57.3376% | 4,045 |
| Net loans and leases to deposits | 64.1325% | 4,357 |
| Net loans and leases to core deposits | 69.5357% | 4,199 |
| Total domestic deposits to total assets | 89.4049% | 1,042 |
| Equity capital to assets | 10.2969% | 3,780 |
| Core capital (leverage) ratio | 10.0960% | 3,478 |
| Tier 1 risk-based capital ratio | 15.1622% | 3,343 |
| Total risk-based capital ratio | 15.8371% | 3,600 |
| Memoranda: | ||
| Average total assets | $480,429,500 | 1,424 |
| Average earning assets | $447,435,000 | 1,405 |
| Average equity | $48,828,000 | 1,542 |
| Average total loans | $271,715,000 | 1,612 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3707% | 5,585 |
| Cost of funding earning assets | 0.4483% | 3,186 |
| Net interest margin | 2.9224% | 5,598 |
| Noninterest income to average assets | 0.4014% | 4,169 |
| Noninterest expense to average assets | 1.9262% | 5,895 |
| Loan and lease loss provision to assets | 0.0509% | 3,545 |
| Net operating income to assets | 0.8747% | 2,997 |
| Return on assets (ROA) | 0.8747% | 3,082 |
| Pretax return on assets | 1.1461% | 2,890 |
| Return on Equity (ROE) | 8.8088% | 2,679 |
| Retained earnings to average equity (ytd only) | 3.8759% | 3,462 |
| Net charge-offs to loans | 0.1587% | 2,451 |
| Credit loss provision to net charge-offs | 59.1133% | 3,302 |
| Earnings coverage of net charge-offs (x) | 13.9039% | 2,227 |
| Efficiency ratio | 61.6742% | 4,957 |
| Assets per employee ($millions) | 4.3916% | 3,207 |
| Cash dividends to net income (ytd only)* | 56.0000% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7809% | 5,826 |
| Loan loss allowance to noncurrent loans | 705.8020% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.0612% | 5,772 |
| Noncurrent loans to loans | 0.1106% | 5,450 |
| Net loans and leases to total assets | 54.8935% | 4,463 |
| Net loans and leases to deposits | 61.1729% | 4,792 |
| Net loans and leases to core deposits | 66.5706% | 4,627 |
| Total domestic deposits to total assets | 89.7350% | 860 |
| Equity capital to assets | 10.0289% | 4,073 |
| Core capital (leverage) ratio | 9.7969% | 3,836 |
| Tier 1 risk-based capital ratio | 15.7365% | 3,111 |
| Total risk-based capital ratio | 16.4304% | 3,341 |
| Memoranda: | ||
| Average total assets | $471,592,800 | 1,417 |
| Average earning assets | $439,220,600 | 1,398 |
| Average equity | $46,828,400 | 1,542 |
| Average total loans | $255,823,200 | 1,659 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3544% | 5,668 |
| Cost of funding earning assets | 0.4522% | 3,227 |
| Net interest margin | 2.9023% | 5,694 |
| Noninterest income to average assets | 0.4047% | 4,212 |
| Noninterest expense to average assets | 1.9301% | 5,901 |
| Loan and lease loss provision to assets | 0.0511% | 3,353 |
| Net operating income to assets | 0.8636% | 3,109 |
| Return on assets (ROA) | 0.8636% | 3,201 |
| Pretax return on assets | 1.1283% | 3,077 |
| Return on Equity (ROE) | 8.7189% | 2,826 |
| Retained earnings to average equity (ytd only) | 4.9654% | 3,099 |
| Net charge-offs to loans | 0.1888% | 1,953 |
| Credit loss provision to net charge-offs | 50.1393% | 3,095 |
| Earnings coverage of net charge-offs (x) | 11.5767% | 2,408 |
| Efficiency ratio | 62.0699% | 4,877 |
| Assets per employee ($millions) | 4.2481% | 3,384 |
| Cash dividends to net income (ytd only)* | 43.0496% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7815% | 5,919 |
| Loan loss allowance to noncurrent loans | 126.8519% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.3375% | 4,922 |
| Noncurrent loans to loans | 0.6160% | 4,077 |
| Net loans and leases to total assets | 54.3535% | 4,537 |
| Net loans and leases to deposits | 60.5290% | 4,898 |
| Net loans and leases to core deposits | 65.7535% | 4,732 |
| Total domestic deposits to total assets | 89.7973% | 822 |
| Equity capital to assets | 9.9216% | 4,269 |
| Core capital (leverage) ratio | 9.8829% | 3,835 |
| Tier 1 risk-based capital ratio | 15.7647% | 3,175 |
| Total risk-based capital ratio | 16.4567% | 3,414 |
| Memoranda: | ||
| Average total assets | $469,819,750 | 1,433 |
| Average earning assets | $437,856,000 | 1,408 |
| Average equity | $46,533,750 | 1,553 |
| Average total loans | $253,570,250 | 1,675 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3371% | 5,742 |
| Cost of funding earning assets | 0.4601% | 3,215 |
| Net interest margin | 2.8770% | 5,774 |
| Noninterest income to average assets | 0.4018% | 4,232 |
| Noninterest expense to average assets | 1.9468% | 5,916 |
| Loan and lease loss provision to assets | 0.0515% | 3,274 |
| Net operating income to assets | 0.8344% | 3,152 |
| Return on assets (ROA) | 0.8344% | 3,244 |
| Pretax return on assets | 1.0849% | 3,156 |
| Return on Equity (ROE) | 8.4298% | 2,879 |
| Retained earnings to average equity (ytd only) | 3.6215% | 3,882 |
| Net charge-offs to loans | 0.2915% | 1,376 |
| Credit loss provision to net charge-offs | 32.8767% | 3,017 |
| Earnings coverage of net charge-offs (x) | 7.2603% | 2,655 |
| Efficiency ratio | 63.1433% | 4,832 |
| Assets per employee ($millions) | 4.1694% | 3,511 |
| Cash dividends to net income (ytd only)* | 57.0401% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7838% | 6,016 |
| Loan loss allowance to noncurrent loans | 117.8318% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 0.3615% | 4,941 |
| Noncurrent loans to loans | 0.6652% | 4,046 |
| Net loans and leases to total assets | 53.9182% | 4,553 |
| Net loans and leases to deposits | 60.0820% | 4,858 |
| Net loans and leases to core deposits | 65.3417% | 4,699 |
| Total domestic deposits to total assets | 89.7411% | 943 |
| Equity capital to assets | 10.0293% | 4,065 |
| Core capital (leverage) ratio | 9.8276% | 3,847 |
| Tier 1 risk-based capital ratio | 16.0060% | 3,080 |
| Total risk-based capital ratio | 16.6993% | 3,324 |
| Memoranda: | ||
| Average total assets | $466,415,670 | 1,442 |
| Average earning assets | $434,692,330 | 1,416 |
| Average equity | $46,169,330 | 1,552 |
| Average total loans | $250,437,330 | 1,693 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2894% | 5,864 |
| Cost of funding earning assets | 0.4657% | 3,260 |
| Net interest margin | 2.8237% | 5,888 |
| Noninterest income to average assets | 0.3939% | 4,238 |
| Noninterest expense to average assets | 1.9865% | 5,912 |
| Loan and lease loss provision to assets | 0.0515% | 3,070 |
| Net operating income to assets | 0.7697% | 3,309 |
| Return on assets (ROA) | 0.7697% | 3,391 |
| Pretax return on assets | 0.9885% | 3,370 |
| Return on Equity (ROE) | 7.8277% | 3,026 |
| Retained earnings to average equity (ytd only) | 7.8277% | 1,672 |
| Net charge-offs to loans | -0.0884% | 6,073 |
| Credit loss provision to net charge-offs | -109.0909% | 4,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6365% | 4,590 |
| Assets per employee ($millions) | 4.2872% | 3,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9381% | 5,744 |
| Loan loss allowance to noncurrent loans | 107.3583% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 0.4640% | 4,747 |
| Noncurrent loans to loans | 0.8738% | 3,705 |
| Net loans and leases to total assets | 52.5991% | 4,596 |
| Net loans and leases to deposits | 58.5400% | 4,886 |
| Net loans and leases to core deposits | 63.7190% | 4,710 |
| Total domestic deposits to total assets | 89.8515% | 1,153 |
| Equity capital to assets | 9.8544% | 4,025 |
| Core capital (leverage) ratio | 10.0263% | 3,540 |
| Tier 1 risk-based capital ratio | 16.2173% | 3,052 |
| Total risk-based capital ratio | 17.0457% | 3,235 |
| Memoranda: | ||
| Average total assets | $466,138,500 | 1,446 |
| Average earning assets | $434,605,500 | 1,424 |
| Average equity | $45,837,000 | 1,559 |
| Average total loans | $248,770,500 | 1,702 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3607% | 5,908 |
| Cost of funding earning assets | 0.5428% | 3,173 |
| Net interest margin | 2.8179% | 5,947 |
| Noninterest income to average assets | 0.4024% | 4,427 |
| Noninterest expense to average assets | 1.9937% | 6,038 |
| Loan and lease loss provision to assets | 0.0326% | 4,464 |
| Net operating income to assets | 0.7845% | 3,372 |
| Return on assets (ROA) | 0.7845% | 3,478 |
| Pretax return on assets | 1.0149% | 3,293 |
| Return on Equity (ROE) | 7.9129% | 3,071 |
| Retained earnings to average equity (ytd only) | 3.2511% | 3,916 |
| Net charge-offs to loans | 0.1122% | 3,705 |
| Credit loss provision to net charge-offs | 54.3478% | 3,722 |
| Earnings coverage of net charge-offs (x) | 17.4493% | 1,713 |
| Efficiency ratio | 65.5557% | 4,640 |
| Assets per employee ($millions) | 4.3461% | 3,181 |
| Cash dividends to net income (ytd only)* | 58.9132% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9039% | 5,915 |
| Loan loss allowance to noncurrent loans | 79.4735% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 0.6278% | 4,354 |
| Noncurrent loans to loans | 1.1374% | 3,267 |
| Net loans and leases to total assets | 53.1610% | 4,700 |
| Net loans and leases to deposits | 59.1223% | 5,022 |
| Net loans and leases to core deposits | 64.5876% | 4,817 |
| Total domestic deposits to total assets | 89.9171% | 1,118 |
| Equity capital to assets | 9.8118% | 4,023 |
| Core capital (leverage) ratio | 9.7597% | 3,898 |
| Tier 1 risk-based capital ratio | 16.2741% | 2,978 |
| Total risk-based capital ratio | 17.0805% | 3,136 |
| Memoranda: | ||
| Average total assets | $459,757,400 | 1,437 |
| Average earning assets | $430,535,800 | 1,416 |
| Average equity | $45,584,000 | 1,538 |
| Average total loans | $245,935,000 | 1,688 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3620% | 5,957 |
| Cost of funding earning assets | 0.5542% | 3,222 |
| Net interest margin | 2.8078% | 6,003 |
| Noninterest income to average assets | 0.4024% | 4,521 |
| Noninterest expense to average assets | 1.9907% | 6,024 |
| Loan and lease loss provision to assets | 0.0261% | 4,486 |
| Net operating income to assets | 0.7869% | 3,414 |
| Return on assets (ROA) | 0.7869% | 3,549 |
| Pretax return on assets | 1.0170% | 3,438 |
| Return on Equity (ROE) | 7.9158% | 3,162 |
| Retained earnings to average equity (ytd only) | 4.6322% | 3,377 |
| Net charge-offs to loans | 0.1525% | 3,019 |
| Credit loss provision to net charge-offs | 32.0285% | 3,857 |
| Earnings coverage of net charge-offs (x) | 12.7935% | 2,092 |
| Efficiency ratio | 65.6178% | 4,560 |
| Assets per employee ($millions) | 4.2972% | 3,234 |
| Cash dividends to net income (ytd only)* | 41.4822% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8701% | 6,134 |
| Loan loss allowance to noncurrent loans | 76.3732% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 0.6377% | 4,527 |
| Noncurrent loans to loans | 1.1393% | 3,525 |
| Net loans and leases to total assets | 53.7417% | 4,652 |
| Net loans and leases to deposits | 59.8651% | 4,987 |
| Net loans and leases to core deposits | 65.4441% | 4,761 |
| Total domestic deposits to total assets | 89.7713% | 1,128 |
| Equity capital to assets | 9.9462% | 3,975 |
| Core capital (leverage) ratio | 9.8635% | 3,873 |
| Tier 1 risk-based capital ratio | 16.1220% | 3,120 |
| Total risk-based capital ratio | 16.8958% | 3,336 |
| Memoranda: | ||
| Average total assets | $459,524,500 | 1,443 |
| Average earning assets | $430,643,000 | 1,420 |
| Average equity | $45,679,500 | 1,546 |
| Average total loans | $245,633,500 | 1,689 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3379% | 6,025 |
| Cost of funding earning assets | 0.5716% | 3,207 |
| Net interest margin | 2.7663% | 6,070 |
| Noninterest income to average assets | 0.4035% | 4,499 |
| Noninterest expense to average assets | 2.0055% | 6,037 |
| Loan and lease loss provision to assets | 0.0261% | 4,396 |
| Net operating income to assets | 0.7514% | 3,560 |
| Return on assets (ROA) | 0.7514% | 3,715 |
| Pretax return on assets | 0.9634% | 3,668 |
| Return on Equity (ROE) | 7.5599% | 3,318 |
| Retained earnings to average equity (ytd only) | 3.5084% | 4,088 |
| Net charge-offs to loans | 0.0466% | 4,026 |
| Credit loss provision to net charge-offs | 105.2632% | 2,102 |
| Earnings coverage of net charge-offs (x) | 39.8772% | 927 |
| Efficiency ratio | 66.9622% | 4,367 |
| Assets per employee ($millions) | 4.3009% | 3,169 |
| Cash dividends to net income (ytd only)* | 53.5921% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9607% | 5,956 |
| Loan loss allowance to noncurrent loans | 76.2750% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 0.6997% | 4,473 |
| Noncurrent loans to loans | 1.2596% | 3,446 |
| Net loans and leases to total assets | 53.4320% | 4,664 |
| Net loans and leases to deposits | 59.4532% | 5,025 |
| Net loans and leases to core deposits | 65.0267% | 4,786 |
| Total domestic deposits to total assets | 89.8724% | 1,101 |
| Equity capital to assets | 9.8222% | 4,160 |
| Core capital (leverage) ratio | 9.6926% | 3,945 |
| Tier 1 risk-based capital ratio | 15.9878% | 3,203 |
| Total risk-based capital ratio | 16.8387% | 3,383 |
| Memoranda: | ||
| Average total assets | $459,434,000 | 1,443 |
| Average earning assets | $430,395,670 | 1,419 |
| Average equity | $45,662,000 | 1,551 |
| Average total loans | $244,421,000 | 1,693 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3134% | 6,131 |
| Cost of funding earning assets | 0.5910% | 3,190 |
| Net interest margin | 2.7224% | 6,183 |
| Noninterest income to average assets | 0.4172% | 4,329 |
| Noninterest expense to average assets | 1.9956% | 6,112 |
| Loan and lease loss provision to assets | 0.0260% | 4,138 |
| Net operating income to assets | 0.7398% | 3,475 |
| Return on assets (ROA) | 0.7398% | 3,611 |
| Pretax return on assets | 0.9523% | 3,555 |
| Return on Equity (ROE) | 7.4007% | 3,268 |
| Retained earnings to average equity (ytd only) | 7.4007% | 1,985 |
| Net charge-offs to loans | 0.0049% | 4,065 |
| Credit loss provision to net charge-offs | 1,000.0000% | 310 |
| Earnings coverage of net charge-offs (x) | 376.0000% | 95 |
| Efficiency ratio | 67.1041% | 4,474 |
| Assets per employee ($millions) | 4.3659% | 3,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9754% | 6,065 |
| Loan loss allowance to noncurrent loans | 76.6538% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 0.6928% | 4,642 |
| Noncurrent loans to loans | 1.2725% | 3,648 |
| Net loans and leases to total assets | 52.3648% | 4,647 |
| Net loans and leases to deposits | 58.5635% | 4,965 |
| Net loans and leases to core deposits | 63.9869% | 4,740 |
| Total domestic deposits to total assets | 89.4154% | 1,405 |
| Equity capital to assets | 10.0457% | 4,089 |
| Core capital (leverage) ratio | 9.7352% | 3,740 |
| Tier 1 risk-based capital ratio | 16.2324% | 3,138 |
| Total risk-based capital ratio | 17.1040% | 3,308 |
| Memoranda: | ||
| Average total assets | $461,203,500 | 1,455 |
| Average earning assets | $433,150,500 | 1,416 |
| Average equity | $46,103,500 | 1,553 |
| Average total loans | $243,653,000 | 1,706 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4378% | 6,437 |
| Cost of funding earning assets | 0.7521% | 3,073 |
| Net interest margin | 2.6857% | 6,537 |
| Noninterest income to average assets | 0.3920% | 4,668 |
| Noninterest expense to average assets | 1.9668% | 6,387 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7360% | 3,576 |
| Return on assets (ROA) | 0.7360% | 3,820 |
| Pretax return on assets | 0.9327% | 3,800 |
| Return on Equity (ROE) | 7.3650% | 3,429 |
| Retained earnings to average equity (ytd only) | 2.3349% | 4,590 |
| Net charge-offs to loans | -0.0362% | 6,648 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8326% | 4,178 |
| Assets per employee ($millions) | 4.4194% | 3,109 |
| Cash dividends to net income (ytd only)* | 68.2978% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9729% | 6,055 |
| Loan loss allowance to noncurrent loans | 1,787.8788% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0320% | 6,577 |
| Noncurrent loans to loans | 0.0544% | 6,359 |
| Net loans and leases to total assets | 52.2652% | 4,889 |
| Net loans and leases to deposits | 58.3128% | 5,205 |
| Net loans and leases to core deposits | 63.9329% | 4,965 |
| Total domestic deposits to total assets | 89.6291% | 1,173 |
| Equity capital to assets | 9.9467% | 4,246 |
| Core capital (leverage) ratio | 9.5693% | 4,010 |
| Tier 1 risk-based capital ratio | 16.1841% | 3,058 |
| Total risk-based capital ratio | 17.0601% | 3,219 |
| Memoranda: | ||
| Average total assets | $452,555,000 | 1,457 |
| Average earning assets | $422,535,200 | 1,425 |
| Average equity | $45,227,600 | 1,538 |
| Average total loans | $234,513,200 | 1,741 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4485% | 6,562 |
| Cost of funding earning assets | 0.7789% | 3,124 |
| Net interest margin | 2.6696% | 6,683 |
| Noninterest income to average assets | 0.3907% | 4,702 |
| Noninterest expense to average assets | 1.9834% | 6,376 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7134% | 3,859 |
| Return on assets (ROA) | 0.7134% | 4,097 |
| Pretax return on assets | 0.8971% | 4,113 |
| Return on Equity (ROE) | 7.1298% | 3,739 |
| Retained earnings to average equity (ytd only) | 3.2132% | 4,606 |
| Net charge-offs to loans | -0.0682% | 6,777 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8572% | 3,902 |
| Assets per employee ($millions) | 4.2014% | 3,467 |
| Cash dividends to net income (ytd only)* | 54.9336% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0067% | 6,053 |
| Loan loss allowance to noncurrent loans | 1,185.1485% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0474% | 6,637 |
| Noncurrent loans to loans | 0.0849% | 6,400 |
| Net loans and leases to total assets | 51.4044% | 5,127 |
| Net loans and leases to deposits | 57.4360% | 5,491 |
| Net loans and leases to core deposits | 63.0454% | 5,259 |
| Total domestic deposits to total assets | 89.4985% | 1,128 |
| Equity capital to assets | 10.0202% | 4,464 |
| Core capital (leverage) ratio | 9.5535% | 4,191 |
| Tier 1 risk-based capital ratio | 16.3810% | 3,076 |
| Total risk-based capital ratio | 17.2798% | 3,212 |
| Memoranda: | ||
| Average total assets | $450,788,500 | 1,474 |
| Average earning assets | $420,424,500 | 1,445 |
| Average equity | $45,105,250 | 1,559 |
| Average total loans | $232,496,000 | 1,770 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4650% | 6,648 |
| Cost of funding earning assets | 0.8028% | 3,167 |
| Net interest margin | 2.6622% | 6,759 |
| Noninterest income to average assets | 0.3640% | 4,923 |
| Noninterest expense to average assets | 1.9991% | 6,436 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6833% | 3,961 |
| Return on assets (ROA) | 0.6833% | 4,218 |
| Pretax return on assets | 0.8497% | 4,279 |
| Return on Equity (ROE) | 6.8325% | 3,865 |
| Retained earnings to average equity (ytd only) | 2.7071% | 4,824 |
| Net charge-offs to loans | -0.1274% | 6,907 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1738% | 3,740 |
| Assets per employee ($millions) | 4.2068% | 3,440 |
| Cash dividends to net income (ytd only)* | 60.3786% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0344% | 6,021 |
| Loan loss allowance to noncurrent loans | 1,242.0513% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0425% | 6,720 |
| Noncurrent loans to loans | 0.0833% | 6,452 |
| Net loans and leases to total assets | 50.5350% | 5,293 |
| Net loans and leases to deposits | 56.5173% | 5,594 |
| Net loans and leases to core deposits | 61.9676% | 5,390 |
| Total domestic deposits to total assets | 89.4150% | 1,265 |
| Equity capital to assets | 9.8479% | 4,550 |
| Core capital (leverage) ratio | 9.5378% | 4,095 |
| Tier 1 risk-based capital ratio | 16.4530% | 2,944 |
| Total risk-based capital ratio | 17.3764% | 3,070 |
| Memoranda: | ||
| Average total assets | $448,399,670 | 1,487 |
| Average earning assets | $418,532,330 | 1,456 |
| Average equity | $44,844,330 | 1,556 |
| Average total loans | $230,727,000 | 1,777 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4961% | 6,705 |
| Cost of funding earning assets | 0.8312% | 3,212 |
| Net interest margin | 2.6648% | 6,816 |
| Noninterest income to average assets | 0.3384% | 5,152 |
| Noninterest expense to average assets | 2.0030% | 6,458 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6659% | 4,046 |
| Return on assets (ROA) | 0.6659% | 4,263 |
| Pretax return on assets | 0.8229% | 4,331 |
| Return on Equity (ROE) | 6.6058% | 3,988 |
| Retained earnings to average equity (ytd only) | 6.6058% | 2,629 |
| Net charge-offs to loans | -0.2899% | 7,057 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8812% | 3,646 |
| Assets per employee ($millions) | 4.1744% | 3,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0548% | 6,061 |
| Loan loss allowance to noncurrent loans | 4,882.0000% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 6,901 |
| Noncurrent loans to loans | 0.0216% | 6,727 |
| Net loans and leases to total assets | 50.7911% | 5,191 |
| Net loans and leases to deposits | 56.8441% | 5,507 |
| Net loans and leases to core deposits | 62.2205% | 5,299 |
| Total domestic deposits to total assets | 89.3515% | 1,453 |
| Equity capital to assets | 9.9986% | 4,124 |
| Core capital (leverage) ratio | 9.9122% | 3,479 |
| Tier 1 risk-based capital ratio | 16.8526% | 2,737 |
| Total risk-based capital ratio | 17.8030% | 2,850 |
| Memoranda: | ||
| Average total assets | $443,326,500 | 1,502 |
| Average earning assets | $413,837,000 | 1,476 |
| Average equity | $44,688,000 | 1,549 |
| Average total loans | $229,016,500 | 1,798 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6689% | 6,883 |
| Cost of funding earning assets | 0.9705% | 3,576 |
| Net interest margin | 2.6984% | 6,922 |
| Noninterest income to average assets | 0.4583% | 4,156 |
| Noninterest expense to average assets | 2.1314% | 6,426 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6990% | 3,496 |
| Return on assets (ROA) | 0.6990% | 3,682 |
| Pretax return on assets | 0.8505% | 3,771 |
| Return on Equity (ROE) | 6.7121% | 3,531 |
| Retained earnings to average equity (ytd only) | 1.6255% | 5,053 |
| Net charge-offs to loans | 0.1794% | 4,712 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 9.1590% | 2,030 |
| Efficiency ratio | 71.4788% | 3,695 |
| Assets per employee ($millions) | 3.9620% | 3,942 |
| Cash dividends to net income (ytd only)* | 75.7834% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0039% | 6,205 |
| Loan loss allowance to noncurrent loans | 381.0720% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.1370% | 6,614 |
| Noncurrent loans to loans | 0.2635% | 6,198 |
| Net loans and leases to total assets | 51.4740% | 5,392 |
| Net loans and leases to deposits | 57.6290% | 5,737 |
| Net loans and leases to core deposits | 63.2676% | 5,539 |
| Total domestic deposits to total assets | 89.3196% | 1,353 |
| Equity capital to assets | 10.1646% | 3,951 |
| Core capital (leverage) ratio | 9.7803% | 3,635 |
| Tier 1 risk-based capital ratio | 16.7753% | 2,701 |
| Total risk-based capital ratio | 17.6723% | 2,819 |
| Memoranda: | ||
| Average total assets | $420,007,600 | 1,551 |
| Average earning assets | $392,793,000 | 1,521 |
| Average equity | $43,741,600 | 1,545 |
| Average total loans | $217,430,200 | 1,891 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6702% | 6,960 |
| Cost of funding earning assets | 0.9956% | 3,709 |
| Net interest margin | 2.6746% | 7,010 |
| Noninterest income to average assets | 0.4845% | 4,004 |
| Noninterest expense to average assets | 2.1477% | 6,405 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6951% | 3,648 |
| Return on assets (ROA) | 0.6951% | 3,820 |
| Pretax return on assets | 0.8377% | 3,990 |
| Return on Equity (ROE) | 6.6325% | 3,697 |
| Retained earnings to average equity (ytd only) | 2.8866% | 4,626 |
| Net charge-offs to loans | 0.2405% | 3,919 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 6.7371% | 2,498 |
| Efficiency ratio | 71.9407% | 3,562 |
| Assets per employee ($millions) | 3.9048% | 4,062 |
| Cash dividends to net income (ytd only)* | 56.4775% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0186% | 6,173 |
| Loan loss allowance to noncurrent loans | 368.4466% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.1439% | 6,685 |
| Noncurrent loans to loans | 0.2765% | 6,315 |
| Net loans and leases to total assets | 51.5133% | 5,507 |
| Net loans and leases to deposits | 58.0387% | 5,838 |
| Net loans and leases to core deposits | 63.8913% | 5,627 |
| Total domestic deposits to total assets | 88.7569% | 1,577 |
| Equity capital to assets | 10.4027% | 3,829 |
| Core capital (leverage) ratio | 10.0660% | 3,351 |
| Tier 1 risk-based capital ratio | 17.1332% | 2,593 |
| Total risk-based capital ratio | 18.0451% | 2,695 |
| Memoranda: | ||
| Average total assets | $416,055,000 | 1,570 |
| Average earning assets | $389,032,500 | 1,533 |
| Average equity | $43,602,250 | 1,556 |
| Average total loans | $215,135,750 | 1,928 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6739% | 7,033 |
| Cost of funding earning assets | 1.0206% | 3,813 |
| Net interest margin | 2.6533% | 7,077 |
| Noninterest income to average assets | 0.3970% | 4,705 |
| Noninterest expense to average assets | 2.1839% | 6,422 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6011% | 4,060 |
| Return on assets (ROA) | 0.6011% | 4,196 |
| Pretax return on assets | 0.6944% | 4,402 |
| Return on Equity (ROE) | 5.7212% | 4,097 |
| Retained earnings to average equity (ytd only) | 0.5180% | 5,646 |
| Net charge-offs to loans | -0.0094% | 6,675 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8737% | 3,039 |
| Assets per employee ($millions) | 3.8046% | 4,184 |
| Cash dividends to net income (ytd only)* | 90.9458% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2342% | 5,400 |
| Loan loss allowance to noncurrent loans | 256.4717% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.2492% | 6,509 |
| Noncurrent loans to loans | 0.4812% | 5,941 |
| Net loans and leases to total assets | 51.1505% | 5,672 |
| Net loans and leases to deposits | 57.8801% | 5,949 |
| Net loans and leases to core deposits | 63.8239% | 5,739 |
| Total domestic deposits to total assets | 88.3733% | 1,932 |
| Equity capital to assets | 10.4587% | 3,559 |
| Core capital (leverage) ratio | 10.1112% | 3,131 |
| Tier 1 risk-based capital ratio | 17.5241% | 2,331 |
| Total risk-based capital ratio | 18.6417% | 2,352 |
| Memoranda: | ||
| Average total assets | $411,565,330 | 1,598 |
| Average earning assets | $384,873,670 | 1,561 |
| Average equity | $43,242,330 | 1,551 |
| Average total loans | $212,334,670 | 1,975 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6832% | 7,080 |
| Cost of funding earning assets | 1.0339% | 3,963 |
| Net interest margin | 2.6493% | 7,076 |
| Noninterest income to average assets | 0.3852% | 4,831 |
| Noninterest expense to average assets | 2.2426% | 6,320 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5646% | 4,214 |
| Return on assets (ROA) | 0.5646% | 4,293 |
| Pretax return on assets | 0.6165% | 4,626 |
| Return on Equity (ROE) | 5.3608% | 4,209 |
| Retained earnings to average equity (ytd only) | 3.4994% | 4,082 |
| Net charge-offs to loans | -0.0057% | 6,266 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4368% | 2,779 |
| Assets per employee ($millions) | 3.7794% | 4,347 |
| Cash dividends to net income (ytd only)* | 34.7222% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2573% | 5,351 |
| Loan loss allowance to noncurrent loans | 1,054.5455% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0614% | 7,009 |
| Noncurrent loans to loans | 0.1192% | 6,751 |
| Net loans and leases to total assets | 50.8642% | 5,729 |
| Net loans and leases to deposits | 57.5611% | 5,968 |
| Net loans and leases to core deposits | 63.5060% | 5,779 |
| Total domestic deposits to total assets | 88.3656% | 2,161 |
| Equity capital to assets | 10.4836% | 3,193 |
| Core capital (leverage) ratio | 10.4093% | 2,692 |
| Tier 1 risk-based capital ratio | 17.8708% | 2,158 |
| Total risk-based capital ratio | 19.0004% | 2,164 |
| Memoranda: | ||
| Average total assets | $408,097,000 | 1,620 |
| Average earning assets | $381,079,000 | 1,588 |
| Average equity | $42,978,500 | 1,546 |
| Average total loans | $210,131,500 | 2,015 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1307% | 7,008 |
| Cost of funding earning assets | 1.1384% | 4,917 |
| Net interest margin | 2.9923% | 6,746 |
| Noninterest income to average assets | 0.5619% | 3,731 |
| Noninterest expense to average assets | 2.2440% | 6,499 |
| Loan and lease loss provision to assets | 0.0560% | 6,583 |
| Net operating income to assets | 0.8650% | 2,534 |
| Return on assets (ROA) | 0.8650% | 2,673 |
| Pretax return on assets | 1.0446% | 2,793 |
| Return on Equity (ROE) | 7.7376% | 2,805 |
| Retained earnings to average equity (ytd only) | 3.1984% | 3,626 |
| Net charge-offs to loans | -0.0048% | 7,260 |
| Credit loss provision to net charge-offs | -2,150.0000% | 7,185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0946% | 4,747 |
| Assets per employee ($millions) | 3.6418% | 4,600 |
| Cash dividends to net income (ytd only)* | 58.6643% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2809% | 5,101 |
| Loan loss allowance to noncurrent loans | 2,444.9541% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0270% | 7,177 |
| Noncurrent loans to loans | 0.0524% | 6,996 |
| Net loans and leases to total assets | 50.8097% | 6,067 |
| Net loans and leases to deposits | 57.6505% | 6,288 |
| Net loans and leases to core deposits | 63.6053% | 6,088 |
| Total domestic deposits to total assets | 88.1339% | 2,168 |
| Equity capital to assets | 10.5802% | 3,083 |
| Core capital (leverage) ratio | 10.3552% | 2,709 |
| Tier 1 risk-based capital ratio | 18.0728% | 1,976 |
| Total risk-based capital ratio | 19.2240% | 1,970 |
| Memoranda: | ||
| Average total assets | $384,264,400 | 1,709 |
| Average earning assets | $357,347,600 | 1,675 |
| Average equity | $42,959,200 | 1,546 |
| Average total loans | $210,033,200 | 2,077 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1969% | 7,092 |
| Cost of funding earning assets | 1.1474% | 5,166 |
| Net interest margin | 3.0495% | 6,732 |
| Noninterest income to average assets | 0.5572% | 3,726 |
| Noninterest expense to average assets | 2.2871% | 6,367 |
| Loan and lease loss provision to assets | 0.0756% | 6,294 |
| Net operating income to assets | 0.8789% | 2,703 |
| Return on assets (ROA) | 0.8789% | 2,837 |
| Pretax return on assets | 1.0293% | 3,076 |
| Return on Equity (ROE) | 7.7506% | 3,006 |
| Retained earnings to average equity (ytd only) | 4.8054% | 3,126 |
| Net charge-offs to loans | -0.0044% | 7,204 |
| Credit loss provision to net charge-offs | -3,071.4286% | 7,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4267% | 4,577 |
| Assets per employee ($millions) | 3.5911% | 4,755 |
| Cash dividends to net income (ytd only)* | 38.0002% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2639% | 5,146 |
| Loan loss allowance to noncurrent loans | 5,119.2308% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0486% | 7,224 |
| Noncurrent loans to loans | 0.0247% | 7,199 |
| Net loans and leases to total assets | 52.6463% | 6,021 |
| Net loans and leases to deposits | 60.1891% | 6,298 |
| Net loans and leases to core deposits | 66.5667% | 6,079 |
| Total domestic deposits to total assets | 87.4682% | 2,283 |
| Equity capital to assets | 11.0929% | 2,862 |
| Core capital (leverage) ratio | 10.7837% | 2,429 |
| Tier 1 risk-based capital ratio | 18.0973% | 1,999 |
| Total risk-based capital ratio | 19.2441% | 1,987 |
| Memoranda: | ||
| Average total assets | $379,269,500 | 1,757 |
| Average earning assets | $352,571,250 | 1,724 |
| Average equity | $43,006,500 | 1,549 |
| Average total loans | $210,526,500 | 2,095 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2715% | 7,088 |
| Cost of funding earning assets | 1.1523% | 5,391 |
| Net interest margin | 3.1192% | 6,553 |
| Noninterest income to average assets | 0.5845% | 3,452 |
| Noninterest expense to average assets | 2.2592% | 6,478 |
| Loan and lease loss provision to assets | 0.0829% | 6,101 |
| Net operating income to assets | 0.9561% | 2,342 |
| Return on assets (ROA) | 0.9561% | 2,426 |
| Pretax return on assets | 1.1400% | 2,628 |
| Return on Equity (ROE) | 8.3677% | 2,729 |
| Retained earnings to average equity (ytd only) | 3.9218% | 3,591 |
| Net charge-offs to loans | -0.0276% | 7,334 |
| Credit loss provision to net charge-offs | -534.4828% | 6,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8802% | 5,174 |
| Assets per employee ($millions) | 3.3583% | 5,294 |
| Cash dividends to net income (ytd only)* | 53.1320% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2517% | 5,172 |
| Loan loss allowance to noncurrent loans | 1,457.7778% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 7,264 |
| Noncurrent loans to loans | 0.0859% | 7,096 |
| Net loans and leases to total assets | 55.0399% | 5,839 |
| Net loans and leases to deposits | 63.3547% | 6,103 |
| Net loans and leases to core deposits | 69.5065% | 5,920 |
| Total domestic deposits to total assets | 86.8759% | 2,606 |
| Equity capital to assets | 11.4736% | 2,467 |
| Core capital (leverage) ratio | 10.9090% | 2,318 |
| Tier 1 risk-based capital ratio | 17.7317% | 2,021 |
| Total risk-based capital ratio | 18.8583% | 2,040 |
| Memoranda: | ||
| Average total assets | $374,019,670 | 1,796 |
| Average earning assets | $347,465,670 | 1,758 |
| Average equity | $42,735,670 | 1,552 |
| Average total loans | $210,493,670 | 2,119 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2557% | 7,197 |
| Cost of funding earning assets | 1.1491% | 5,664 |
| Net interest margin | 3.1066% | 6,576 |
| Noninterest income to average assets | 0.6864% | 2,686 |
| Noninterest expense to average assets | 2.3562% | 6,222 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0285% | 2,074 |
| Return on assets (ROA) | 1.0285% | 2,133 |
| Pretax return on assets | 1.2151% | 2,313 |
| Return on Equity (ROE) | 9.0204% | 2,489 |
| Retained earnings to average equity (ytd only) | 9.0204% | 1,397 |
| Net charge-offs to loans | -0.0341% | 7,235 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9760% | 5,122 |
| Assets per employee ($millions) | 3.3754% | 5,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1624% | 5,700 |
| Loan loss allowance to noncurrent loans | 3,616.1765% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 7,437 |
| Noncurrent loans to loans | 0.0321% | 7,334 |
| Net loans and leases to total assets | 55.8079% | 5,773 |
| Net loans and leases to deposits | 64.1778% | 6,036 |
| Net loans and leases to core deposits | 71.3162% | 5,794 |
| Total domestic deposits to total assets | 86.9582% | 2,647 |
| Equity capital to assets | 11.4535% | 2,400 |
| Core capital (leverage) ratio | 11.3195% | 2,023 |
| Tier 1 risk-based capital ratio | 17.8959% | 1,969 |
| Total risk-based capital ratio | 18.9583% | 1,996 |
| Memoranda: | ||
| Average total assets | $372,967,000 | 1,836 |
| Average earning assets | $346,362,000 | 1,807 |
| Average equity | $42,526,000 | 1,575 |
| Average total loans | $210,919,000 | 2,172 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8613% | 6,805 |
| Cost of funding earning assets | 1.3837% | 6,000 |
| Net interest margin | 3.4776% | 5,053 |
| Noninterest income to average assets | 0.5152% | 4,287 |
| Noninterest expense to average assets | 2.5783% | 5,871 |
| Loan and lease loss provision to assets | 0.0006% | 7,424 |
| Net operating income to assets | 0.9088% | 2,149 |
| Return on assets (ROA) | 0.9088% | 2,208 |
| Pretax return on assets | 1.1537% | 2,083 |
| Return on Equity (ROE) | 7.5279% | 2,573 |
| Retained earnings to average equity (ytd only) | 2.0780% | 3,649 |
| Net charge-offs to loans | 0.0420% | 6,689 |
| Credit loss provision to net charge-offs | 2.2989% | 6,999 |
| Earnings coverage of net charge-offs (x) | 46.3793% | 551 |
| Efficiency ratio | 69.0757% | 4,813 |
| Assets per employee ($millions) | 3.2856% | 5,523 |
| Cash dividends to net income (ytd only)* | 72.3953% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 5,582 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 7,522 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 55.9824% | 5,955 |
| Net loans and leases to deposits | 64.6808% | 6,190 |
| Net loans and leases to core deposits | 81.4552% | 5,960 |
| Total domestic deposits to total assets | 86.5518% | 2,732 |
| Equity capital to assets | 11.3502% | 2,434 |
| Core capital (leverage) ratio | 11.2725% | 2,062 |
| Tier 1 risk-based capital ratio | 17.5664% | 2,008 |
| Total risk-based capital ratio | 18.6262% | 2,020 |
| Memoranda: | ||
| Average total assets | $349,573,400 | 1,947 |
| Average earning assets | $323,412,800 | 1,922 |
| Average equity | $42,203,200 | 1,583 |
| Average total loans | $207,057,800 | 2,233 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0090% | 6,577 |
| Cost of funding earning assets | 1.4395% | 6,085 |
| Net interest margin | 3.5695% | 4,592 |
| Noninterest income to average assets | 0.5261% | 4,271 |
| Noninterest expense to average assets | 2.5814% | 5,776 |
| Loan and lease loss provision to assets | 0.0008% | 7,282 |
| Net operating income to assets | 0.9689% | 2,167 |
| Return on assets (ROA) | 0.9689% | 2,222 |
| Pretax return on assets | 1.2440% | 2,128 |
| Return on Equity (ROE) | 7.8983% | 2,684 |
| Retained earnings to average equity (ytd only) | 3.7928% | 3,170 |
| Net charge-offs to loans | 0.0407% | 6,333 |
| Credit loss provision to net charge-offs | 3.1746% | 6,649 |
| Earnings coverage of net charge-offs (x) | 50.9987% | 619 |
| Efficiency ratio | 67.4666% | 5,078 |
| Assets per employee ($millions) | 3.0452% | 6,050 |
| Cash dividends to net income (ytd only)* | 51.9793% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1863% | 5,186 |
| Loan loss allowance to noncurrent loans | 22,400.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 7,604 |
| Noncurrent loans to loans | 0.0053% | 7,521 |
| Net loans and leases to total assets | 59.1188% | 5,723 |
| Net loans and leases to deposits | 69.0775% | 6,022 |
| Net loans and leases to core deposits | 87.8430% | 5,656 |
| Total domestic deposits to total assets | 85.5833% | 2,927 |
| Equity capital to assets | 12.2883% | 2,074 |
| Core capital (leverage) ratio | 11.6767% | 1,976 |
| Tier 1 risk-based capital ratio | 17.8540% | 2,033 |
| Total risk-based capital ratio | 18.9327% | 2,025 |
| Memoranda: | ||
| Average total assets | $344,149,250 | 1,997 |
| Average earning assets | $318,166,000 | 1,980 |
| Average equity | $42,219,000 | 1,599 |
| Average total loans | $206,250,500 | 2,263 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1066% | 6,407 |
| Cost of funding earning assets | 1.4819% | 6,208 |
| Net interest margin | 3.6247% | 4,267 |
| Noninterest income to average assets | 0.5263% | 4,219 |
| Noninterest expense to average assets | 2.5651% | 5,885 |
| Loan and lease loss provision to assets | 0.0012% | 7,154 |
| Net operating income to assets | 1.0130% | 2,063 |
| Return on assets (ROA) | 1.0130% | 2,153 |
| Pretax return on assets | 1.3102% | 1,993 |
| Return on Equity (ROE) | 8.2620% | 2,664 |
| Retained earnings to average equity (ytd only) | 3.0329% | 3,632 |
| Net charge-offs to loans | 0.0204% | 6,227 |
| Credit loss provision to net charge-offs | 9.5238% | 6,189 |
| Earnings coverage of net charge-offs (x) | 107.1429% | 360 |
| Efficiency ratio | 66.1705% | 5,523 |
| Assets per employee ($millions) | 3.0423% | 6,021 |
| Cash dividends to net income (ytd only)* | 63.2911% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2094% | 4,870 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 59.5439% | 5,754 |
| Net loans and leases to deposits | 69.4477% | 6,051 |
| Net loans and leases to core deposits | 88.8817% | 5,647 |
| Total domestic deposits to total assets | 85.7391% | 2,911 |
| Equity capital to assets | 12.2634% | 2,049 |
| Core capital (leverage) ratio | 11.5707% | 2,050 |
| Tier 1 risk-based capital ratio | 17.7146% | 2,086 |
| Total risk-based capital ratio | 18.8183% | 2,083 |
| Memoranda: | ||
| Average total assets | $343,148,330 | 2,017 |
| Average earning assets | $317,156,000 | 2,008 |
| Average equity | $42,072,330 | 1,615 |
| Average total loans | $205,768,670 | 2,284 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1619% | 6,438 |
| Cost of funding earning assets | 1.5340% | 6,293 |
| Net interest margin | 3.6279% | 4,197 |
| Noninterest income to average assets | 0.4830% | 4,476 |
| Noninterest expense to average assets | 2.5715% | 5,565 |
| Loan and lease loss provision to assets | 0.0012% | 6,742 |
| Net operating income to assets | 0.9929% | 2,340 |
| Return on assets (ROA) | 0.9929% | 2,475 |
| Pretax return on assets | 1.2601% | 2,410 |
| Return on Equity (ROE) | 8.0992% | 3,100 |
| Retained earnings to average equity (ytd only) | 6.1957% | 2,548 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0928% | 5,128 |
| Assets per employee ($millions) | 3.1090% | 5,871 |
| Cash dividends to net income (ytd only)* | 23.5018% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2195% | 4,670 |
| Loan loss allowance to noncurrent loans | 847.6510% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.0864% | 7,336 |
| Noncurrent loans to loans | 0.1439% | 7,107 |
| Net loans and leases to total assets | 59.2880% | 5,771 |
| Net loans and leases to deposits | 69.4447% | 6,032 |
| Net loans and leases to core deposits | 86.1553% | 5,888 |
| Total domestic deposits to total assets | 85.3745% | 3,025 |
| Equity capital to assets | 12.2416% | 2,114 |
| Core capital (leverage) ratio | 11.7829% | 2,009 |
| Tier 1 risk-based capital ratio | 17.3773% | 2,222 |
| Total risk-based capital ratio | 18.4682% | 2,206 |
| Memoranda: | ||
| Average total assets | $342,832,500 | 2,026 |
| Average earning assets | $316,548,500 | 2,016 |
| Average equity | $42,029,000 | 1,622 |
| Average total loans | $205,050,000 | 2,315 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0172% | 5,464 |
| Cost of funding earning assets | 2.0972% | 6,065 |
| Net interest margin | 3.9201% | 3,482 |
| Noninterest income to average assets | 0.5796% | 4,009 |
| Noninterest expense to average assets | 2.4965% | 6,023 |
| Loan and lease loss provision to assets | 0.0180% | 7,161 |
| Net operating income to assets | 1.3307% | 1,400 |
| Return on assets (ROA) | 1.3307% | 1,356 |
| Pretax return on assets | 1.6642% | 1,231 |
| Return on Equity (ROE) | 10.9801% | 1,913 |
| Retained earnings to average equity (ytd only) | 3.7852% | 2,776 |
| Net charge-offs to loans | 0.0228% | 6,528 |
| Credit loss provision to net charge-offs | 132.6087% | 4,015 |
| Earnings coverage of net charge-offs (x) | 123.7174% | 364 |
| Efficiency ratio | 59.7439% | 6,396 |
| Assets per employee ($millions) | 2.9615% | 6,146 |
| Cash dividends to net income (ytd only)* | 65.5264% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2440% | 4,205 |
| Loan loss allowance to noncurrent loans | 3,237.1795% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 7,510 |
| Noncurrent loans to loans | 0.0384% | 7,350 |
| Net loans and leases to total assets | 58.8569% | 6,081 |
| Net loans and leases to deposits | 69.3044% | 6,339 |
| Net loans and leases to core deposits | 86.5086% | 6,099 |
| Total domestic deposits to total assets | 84.9253% | 2,875 |
| Equity capital to assets | 12.2774% | 2,125 |
| Core capital (leverage) ratio | 11.6554% | 2,149 |
| Tier 1 risk-based capital ratio | 17.4347% | 2,198 |
| Total risk-based capital ratio | 18.5468% | 2,184 |
| Memoranda: | ||
| Average total assets | $338,310,400 | 1,970 |
| Average earning assets | $310,608,000 | 1,962 |
| Average equity | $41,001,400 | 1,629 |
| Average total loans | $201,526,400 | 2,283 |