Home > The Old Fort Banking Company > Performance and Condition Ratios
The Old Fort Banking 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 | 3.8342% | 4,142 |
| Cost of funding earning assets | 1.5057% | 1,927 |
| Net interest margin | 2.3285% | 4,239 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 1.8805% | 3,870 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8149% | 2,820 |
| Return on assets (ROA) | 0.7994% | 2,855 |
| Pretax return on assets | 0.7994% | 3,215 |
| Return on Equity (ROE) | 19.3500% | 676 |
| Retained earnings to average equity (ytd only) | 9.4942% | 1,136 |
| Net charge-offs to loans | 0.0090% | 2,321 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 175.1053% | 639 |
| Efficiency ratio | 69.7683% | 1,909 |
| Assets per employee ($millions) | 7.7142% | 1,581 |
| Cash dividends to net income (ytd only)* | 50.9344% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1053% | 2,804 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 53.1800% | 3,406 |
| Net loans and leases to deposits | 56.2181% | 3,701 |
| Net loans and leases to core deposits | 61.3625% | 3,708 |
| Total domestic deposits to total assets | 94.5900% | 76 |
| Equity capital to assets | 4.9084% | 4,431 |
| Core capital (leverage) ratio | 8.0219% | 4,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7909% | 1,318 |
| Memoranda: | ||
| Average total assets | $816,576,200 | 1,161 |
| Average earning assets | $776,852,000 | 1,137 |
| Average equity | $33,736,400 | 2,107 |
| Average total loans | $421,807,400 | 1,420 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7115% | 4,200 |
| Cost of funding earning assets | 1.3719% | 1,944 |
| Net interest margin | 2.3396% | 4,279 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 1.8635% | 3,862 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8350% | 2,915 |
| Return on assets (ROA) | 0.8144% | 2,966 |
| Pretax return on assets | 0.8144% | 3,299 |
| Return on Equity (ROE) | 20.6900% | 658 |
| Retained earnings to average equity (ytd only) | 6.8913% | 2,331 |
| Net charge-offs to loans | 0.0093% | 2,059 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 176.2759% | 655 |
| Efficiency ratio | 69.0576% | 1,894 |
| Assets per employee ($millions) | 8.0690% | 1,313 |
| Cash dividends to net income (ytd only)* | 66.6867% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1390% | 2,679 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 49.8800% | 3,623 |
| Net loans and leases to deposits | 51.8064% | 3,880 |
| Net loans and leases to core deposits | 55.4715% | 3,880 |
| Total domestic deposits to total assets | 96.2800% | 70 |
| Equity capital to assets | 3.1911% | 4,474 |
| Core capital (leverage) ratio | 7.9073% | 4,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8688% | 1,357 |
| Memoranda: | ||
| Average total assets | $816,294,250 | 1,162 |
| Average earning assets | $776,520,750 | 1,135 |
| Average equity | $32,136,500 | 2,165 |
| Average total loans | $417,333,750 | 1,424 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6247% | 4,228 |
| Cost of funding earning assets | 1.2300% | 1,903 |
| Net interest margin | 2.3947% | 4,302 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 1.8839% | 3,855 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8655% | 2,873 |
| Return on assets (ROA) | 0.8655% | 2,870 |
| Pretax return on assets | 0.8655% | 3,248 |
| Return on Equity (ROE) | 20.6200% | 646 |
| Retained earnings to average equity (ytd only) | 7.6130% | 2,094 |
| Net charge-offs to loans | 0.0101% | 1,821 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 166.0952% | 700 |
| Efficiency ratio | 68.5199% | 1,922 |
| Assets per employee ($millions) | 7.8263% | 1,404 |
| Cash dividends to net income (ytd only)* | 63.0734% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1697% | 2,595 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 51.1200% | 3,477 |
| Net loans and leases to deposits | 53.6152% | 3,769 |
| Net loans and leases to core deposits | 56.6049% | 3,789 |
| Total domestic deposits to total assets | 95.3400% | 77 |
| Equity capital to assets | 4.1454% | 4,493 |
| Core capital (leverage) ratio | 8.1149% | 4,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8301% | 1,353 |
| Memoranda: | ||
| Average total assets | $805,978,333 | 1,175 |
| Average earning assets | $765,854,333 | 1,149 |
| Average equity | $33,836,667 | 2,106 |
| Average total loans | $413,950,000 | 1,419 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5395% | 4,223 |
| Cost of funding earning assets | 1.0390% | 1,920 |
| Net interest margin | 2.5005% | 4,301 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 1.8900% | 3,869 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9500% | 2,691 |
| Return on assets (ROA) | 0.9500% | 2,651 |
| Pretax return on assets | 0.9500% | 3,125 |
| Return on Equity (ROE) | 22.4900% | 550 |
| Retained earnings to average equity (ytd only) | 13.0878% | 1,079 |
| Net charge-offs to loans | 0.0165% | 1,359 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 112.5882% | 730 |
| Efficiency ratio | 66.5502% | 2,150 |
| Assets per employee ($millions) | 7.9767% | 1,359 |
| Cash dividends to net income (ytd only)* | 41.7973% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 2,638 |
| Loan loss allowance to noncurrent loans | 2,667.2131% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 3,578 |
| Noncurrent loans to loans | 0.0444% | 3,418 |
| Net loans and leases to total assets | 50.0100% | 3,495 |
| Net loans and leases to deposits | 52.7403% | 3,754 |
| Net loans and leases to core deposits | 55.4964% | 3,767 |
| Total domestic deposits to total assets | 94.8200% | 107 |
| Equity capital to assets | 4.6935% | 4,466 |
| Core capital (leverage) ratio | 8.0877% | 4,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9321% | 1,389 |
| Memoranda: | ||
| Average total assets | $805,915,000 | 1,193 |
| Average earning assets | $765,753,000 | 1,164 |
| Average equity | $34,047,000 | 2,120 |
| Average total loans | $412,452,000 | 1,440 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0354% | 4,090 |
| Cost of funding earning assets | 0.2158% | 3,627 |
| Net interest margin | 2.8196% | 3,847 |
| Noninterest income to average assets | 0.6200% | 1,571 |
| Noninterest expense to average assets | 1.8388% | 3,953 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4674% | 965 |
| Return on assets (ROA) | 1.4674% | 923 |
| Pretax return on assets | 1.4674% | 1,546 |
| Return on Equity (ROE) | 30.0100% | 119 |
| Retained earnings to average equity (ytd only) | 18.1557% | 135 |
| Net charge-offs to loans | 0.0054% | 2,232 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 536.8182% | 320 |
| Efficiency ratio | 55.6165% | 3,616 |
| Assets per employee ($millions) | 7.8256% | 1,427 |
| Cash dividends to net income (ytd only)* | 39.5004% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1855% | 2,459 |
| Loan loss allowance to noncurrent loans | 2,661.9565% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.0231% | 3,605 |
| Noncurrent loans to loans | 0.0445% | 3,441 |
| Net loans and leases to total assets | 51.1500% | 3,423 |
| Net loans and leases to deposits | 53.4348% | 3,711 |
| Net loans and leases to core deposits | 55.3611% | 3,749 |
| Total domestic deposits to total assets | 95.7200% | 96 |
| Equity capital to assets | 3.7468% | 4,547 |
| Core capital (leverage) ratio | 8.1460% | 4,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3310% | 1,525 |
| Memoranda: | ||
| Average total assets | $804,836,200 | 1,180 |
| Average earning assets | $765,923,400 | 1,151 |
| Average equity | $39,354,000 | 1,942 |
| Average total loans | $408,110,000 | 1,370 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9236% | 4,027 |
| Cost of funding earning assets | 0.1269% | 4,057 |
| Net interest margin | 2.7967% | 3,744 |
| Noninterest income to average assets | 0.6600% | 1,473 |
| Noninterest expense to average assets | 1.8248% | 3,933 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5008% | 850 |
| Return on assets (ROA) | 1.5008% | 826 |
| Pretax return on assets | 1.5008% | 1,405 |
| Return on Equity (ROE) | 29.0100% | 113 |
| Retained earnings to average equity (ytd only) | 14.1046% | 451 |
| Net charge-offs to loans | 0.0059% | 1,950 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 504.3333% | 309 |
| Efficiency ratio | 54.8717% | 3,737 |
| Assets per employee ($millions) | 7.7151% | 1,471 |
| Cash dividends to net income (ytd only)* | 51.3880% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2125% | 2,463 |
| Loan loss allowance to noncurrent loans | 4,951.5152% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 3,846 |
| Noncurrent loans to loans | 0.0245% | 3,727 |
| Net loans and leases to total assets | 50.7500% | 3,401 |
| Net loans and leases to deposits | 52.8457% | 3,675 |
| Net loans and leases to core deposits | 55.4467% | 3,661 |
| Total domestic deposits to total assets | 96.0400% | 129 |
| Equity capital to assets | 3.3039% | 4,566 |
| Core capital (leverage) ratio | 7.7372% | 4,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0607% | 1,690 |
| Memoranda: | ||
| Average total assets | $806,493,250 | 1,184 |
| Average earning assets | $768,218,750 | 1,156 |
| Average equity | $41,715,750 | 1,894 |
| Average total loans | $406,849,000 | 1,361 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7849% | 4,005 |
| Cost of funding earning assets | 0.1192% | 3,971 |
| Net interest margin | 2.6657% | 3,785 |
| Noninterest income to average assets | 0.6991% | 1,341 |
| Noninterest expense to average assets | 1.7682% | 4,021 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4718% | 757 |
| Return on assets (ROA) | 1.4718% | 736 |
| Pretax return on assets | 1.4718% | 1,246 |
| Return on Equity (ROE) | 25.4843% | 101 |
| Retained earnings to average equity (ytd only) | 13.0041% | 468 |
| Net charge-offs to loans | 0.0015% | 2,073 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 1,994.3333% | 48 |
| Efficiency ratio | 54.5744% | 3,912 |
| Assets per employee ($millions) | 7.5300% | 1,589 |
| Cash dividends to net income (ytd only)* | 48.9721% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2114% | 2,630 |
| Loan loss allowance to noncurrent loans | 3,256.2914% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0189% | 3,824 |
| Noncurrent loans to loans | 0.0372% | 3,670 |
| Net loans and leases to total assets | 50.2373% | 3,349 |
| Net loans and leases to deposits | 52.8784% | 3,618 |
| Net loans and leases to core deposits | 55.5847% | 3,600 |
| Total domestic deposits to total assets | 95.0054% | 144 |
| Equity capital to assets | 4.4352% | 4,568 |
| Core capital (leverage) ratio | 7.6355% | 4,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5887% | 1,833 |
| Memoranda: | ||
| Average total assets | $813,011,000 | 1,178 |
| Average earning assets | $774,963,333 | 1,163 |
| Average equity | $46,954,333 | 1,762 |
| Average total loans | $407,697,667 | 1,354 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6533% | 4,028 |
| Cost of funding earning assets | 0.1154% | 3,944 |
| Net interest margin | 2.5378% | 3,817 |
| Noninterest income to average assets | 0.8181% | 1,000 |
| Noninterest expense to average assets | 1.7805% | 3,986 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4602% | 696 |
| Return on assets (ROA) | 1.4602% | 690 |
| Pretax return on assets | 1.4602% | 1,102 |
| Return on Equity (ROE) | 22.7191% | 135 |
| Retained earnings to average equity (ytd only) | 11.6440% | 652 |
| Net charge-offs to loans | 0.0069% | 1,508 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 427.8571% | 238 |
| Efficiency ratio | 54.9421% | 3,985 |
| Assets per employee ($millions) | 8.0366% | 1,339 |
| Cash dividends to net income (ytd only)* | 48.7479% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2048% | 2,834 |
| Loan loss allowance to noncurrent loans | 27,294.4444% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 4,092 |
| Noncurrent loans to loans | 0.0044% | 4,008 |
| Net loans and leases to total assets | 48.1997% | 3,367 |
| Net loans and leases to deposits | 51.2896% | 3,628 |
| Net loans and leases to core deposits | 52.1189% | 3,729 |
| Total domestic deposits to total assets | 93.9755% | 116 |
| Equity capital to assets | 5.5583% | 4,653 |
| Core capital (leverage) ratio | 7.4174% | 4,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5096% | 1,985 |
| Memoranda: | ||
| Average total assets | $820,426,500 | 1,170 |
| Average earning assets | $783,183,500 | 1,150 |
| Average equity | $52,731,000 | 1,655 |
| Average total loans | $408,596,000 | 1,348 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0867% | 3,710 |
| Cost of funding earning assets | 0.1505% | 3,974 |
| Net interest margin | 2.9361% | 3,358 |
| Noninterest income to average assets | 0.7973% | 1,453 |
| Noninterest expense to average assets | 1.9484% | 3,817 |
| Loan and lease loss provision to assets | 0.0391% | 2,259 |
| Net operating income to assets | 1.5986% | 810 |
| Return on assets (ROA) | 1.5994% | 841 |
| Pretax return on assets | 1.5994% | 1,420 |
| Return on Equity (ROE) | 21.0141% | 261 |
| Retained earnings to average equity (ytd only) | 11.2543% | 654 |
| Net charge-offs to loans | 0.0011% | 2,633 |
| Credit loss provision to net charge-offs | 6,000.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 2,511.2000% | 52 |
| Efficiency ratio | 54.3319% | 3,894 |
| Assets per employee ($millions) | 7.8926% | 1,390 |
| Cash dividends to net income (ytd only)* | 46.4443% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2017% | 2,879 |
| Loan loss allowance to noncurrent loans | 82,000.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 4,206 |
| Noncurrent loans to loans | 0.0015% | 4,122 |
| Net loans and leases to total assets | 50.2459% | 3,244 |
| Net loans and leases to deposits | 54.5144% | 3,556 |
| Net loans and leases to core deposits | 55.4469% | 3,665 |
| Total domestic deposits to total assets | 92.1700% | 140 |
| Equity capital to assets | 7.3294% | 4,647 |
| Core capital (leverage) ratio | 7.6097% | 4,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8106% | 1,922 |
| Memoranda: | ||
| Average total assets | $766,672,800 | 1,200 |
| Average earning assets | $728,200,400 | 1,182 |
| Average equity | $58,351,200 | 1,547 |
| Average total loans | $440,388,200 | 1,287 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2392% | 3,533 |
| Cost of funding earning assets | 0.1587% | 4,026 |
| Net interest margin | 3.0805% | 3,099 |
| Noninterest income to average assets | 0.8290% | 1,443 |
| Noninterest expense to average assets | 2.0011% | 3,666 |
| Loan and lease loss provision to assets | 0.0528% | 1,929 |
| Net operating income to assets | 1.6981% | 833 |
| Return on assets (ROA) | 1.6991% | 870 |
| Pretax return on assets | 1.6991% | 1,404 |
| Return on Equity (ROE) | 22.1072% | 295 |
| Retained earnings to average equity (ytd only) | 11.4408% | 960 |
| Net charge-offs to loans | -0.0024% | 3,252 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3349% | 3,892 |
| Assets per employee ($millions) | 7.3878% | 1,629 |
| Cash dividends to net income (ytd only)* | 48.2483% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1777% | 3,091 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 53.3625% | 3,037 |
| Net loans and leases to deposits | 58.1986% | 3,391 |
| Net loans and leases to core deposits | 59.2375% | 3,532 |
| Total domestic deposits to total assets | 91.6903% | 188 |
| Equity capital to assets | 7.7266% | 4,639 |
| Core capital (leverage) ratio | 7.6867% | 4,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7091% | 1,722 |
| Memoranda: | ||
| Average total assets | $757,079,750 | 1,227 |
| Average earning assets | $718,397,500 | 1,207 |
| Average equity | $58,187,750 | 1,578 |
| Average total loans | $448,129,750 | 1,288 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2883% | 3,463 |
| Cost of funding earning assets | 0.1685% | 4,054 |
| Net interest margin | 3.1199% | 2,986 |
| Noninterest income to average assets | 0.8627% | 1,370 |
| Noninterest expense to average assets | 1.9780% | 3,767 |
| Loan and lease loss provision to assets | 0.0639% | 1,759 |
| Net operating income to assets | 1.7806% | 744 |
| Return on assets (ROA) | 1.7806% | 783 |
| Pretax return on assets | 1.7806% | 1,279 |
| Return on Equity (ROE) | 23.2099% | 251 |
| Retained earnings to average equity (ytd only) | 12.1171% | 889 |
| Net charge-offs to loans | -0.0039% | 3,353 |
| Credit loss provision to net charge-offs | -2,666.6667% | 3,884 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7455% | 4,068 |
| Assets per employee ($millions) | 7.4033% | 1,531 |
| Cash dividends to net income (ytd only)* | 47.7936% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 3,359 |
| Loan loss allowance to noncurrent loans | 3,868.2540% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0165% | 4,175 |
| Noncurrent loans to loans | 0.0288% | 4,067 |
| Net loans and leases to total assets | 56.7289% | 2,812 |
| Net loans and leases to deposits | 61.7627% | 3,228 |
| Net loans and leases to core deposits | 62.9114% | 3,382 |
| Total domestic deposits to total assets | 91.8498% | 156 |
| Equity capital to assets | 7.6381% | 4,695 |
| Core capital (leverage) ratio | 7.4579% | 4,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7981% | 2,054 |
| Memoranda: | ||
| Average total assets | $750,865,000 | 1,229 |
| Average earning assets | $712,339,333 | 1,209 |
| Average equity | $57,604,667 | 1,578 |
| Average total loans | $457,880,000 | 1,270 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5128% | 2,881 |
| Cost of funding earning assets | 0.1802% | 4,081 |
| Net interest margin | 3.3327% | 2,293 |
| Noninterest income to average assets | 0.9240% | 1,269 |
| Noninterest expense to average assets | 1.9645% | 3,823 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.1175% | 476 |
| Return on assets (ROA) | 2.1175% | 517 |
| Pretax return on assets | 2.1175% | 784 |
| Return on Equity (ROE) | 27.5393% | 189 |
| Retained earnings to average equity (ytd only) | 15.8435% | 537 |
| Net charge-offs to loans | -0.0077% | 3,558 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1257% | 4,335 |
| Assets per employee ($millions) | 7.6897% | 1,349 |
| Cash dividends to net income (ytd only)* | 42.4696% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9851% | 3,897 |
| Loan loss allowance to noncurrent loans | 6,097.3684% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 4,316 |
| Noncurrent loans to loans | 0.0162% | 4,217 |
| Net loans and leases to total assets | 61.1832% | 2,381 |
| Net loans and leases to deposits | 66.5396% | 2,861 |
| Net loans and leases to core deposits | 67.9505% | 3,066 |
| Total domestic deposits to total assets | 91.9500% | 156 |
| Equity capital to assets | 7.5119% | 4,704 |
| Core capital (leverage) ratio | 7.5740% | 4,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4813% | 2,094 |
| Memoranda: | ||
| Average total assets | $745,029,000 | 1,223 |
| Average earning assets | $705,982,000 | 1,202 |
| Average equity | $57,285,500 | 1,579 |
| Average total loans | $468,093,500 | 1,247 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4678% | 4,082 |
| Cost of funding earning assets | 0.3292% | 3,978 |
| Net interest margin | 3.1386% | 3,530 |
| Noninterest income to average assets | 0.9563% | 1,125 |
| Noninterest expense to average assets | 2.1482% | 3,830 |
| Loan and lease loss provision to assets | 0.1035% | 3,038 |
| Net operating income to assets | 1.6730% | 534 |
| Return on assets (ROA) | 1.6754% | 568 |
| Pretax return on assets | 1.6636% | 920 |
| Return on Equity (ROE) | 20.8882% | 193 |
| Retained earnings to average equity (ytd only) | 12.3485% | 289 |
| Net charge-offs to loans | 0.0148% | 2,825 |
| Credit loss provision to net charge-offs | 1,080.6452% | 741 |
| Earnings coverage of net charge-offs (x) | 184.2742% | 498 |
| Efficiency ratio | 54.9025% | 4,101 |
| Assets per employee ($millions) | 7.2156% | 1,440 |
| Cash dividends to net income (ytd only)* | 40.8831% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9930% | 3,895 |
| Loan loss allowance to noncurrent loans | 2,964.7436% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 4,289 |
| Noncurrent loans to loans | 0.0335% | 4,172 |
| Net loans and leases to total assets | 63.2776% | 2,455 |
| Net loans and leases to deposits | 69.1385% | 2,969 |
| Net loans and leases to core deposits | 70.7722% | 3,198 |
| Total domestic deposits to total assets | 91.5229% | 130 |
| Equity capital to assets | 7.8740% | 4,753 |
| Core capital (leverage) ratio | 7.6064% | 4,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5386% | 2,040 |
| Memoranda: | ||
| Average total assets | $647,469,600 | 1,256 |
| Average earning assets | $609,897,400 | 1,246 |
| Average equity | $51,933,600 | 1,635 |
| Average total loans | $417,870,200 | 1,303 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5692% | 4,084 |
| Cost of funding earning assets | 0.3636% | 3,985 |
| Net interest margin | 3.2057% | 3,475 |
| Noninterest income to average assets | 0.9720% | 1,079 |
| Noninterest expense to average assets | 2.1883% | 3,709 |
| Loan and lease loss provision to assets | 0.1424% | 2,597 |
| Net operating income to assets | 1.6574% | 636 |
| Return on assets (ROA) | 1.6574% | 708 |
| Pretax return on assets | 1.6574% | 1,052 |
| Return on Equity (ROE) | 20.5541% | 223 |
| Retained earnings to average equity (ytd only) | 8.8612% | 1,022 |
| Net charge-offs to loans | 0.0082% | 2,820 |
| Credit loss provision to net charge-offs | 2,680.0000% | 377 |
| Earnings coverage of net charge-offs (x) | 338.6400% | 325 |
| Efficiency ratio | 54.8697% | 4,057 |
| Assets per employee ($millions) | 6.7545% | 1,650 |
| Cash dividends to net income (ytd only)* | 56.8881% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0341% | 3,543 |
| Loan loss allowance to noncurrent loans | 6,134.2105% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0110% | 4,446 |
| Noncurrent loans to loans | 0.0169% | 4,363 |
| Net loans and leases to total assets | 64.7604% | 2,670 |
| Net loans and leases to deposits | 71.3280% | 3,194 |
| Net loans and leases to core deposits | 73.1870% | 3,384 |
| Total domestic deposits to total assets | 90.7924% | 212 |
| Equity capital to assets | 7.7991% | 4,781 |
| Core capital (leverage) ratio | 7.4164% | 4,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8949% | 1,858 |
| Memoranda: | ||
| Average total assets | $627,143,250 | 1,274 |
| Average earning assets | $590,068,250 | 1,256 |
| Average equity | $50,571,000 | 1,670 |
| Average total loans | $405,893,750 | 1,327 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7421% | 3,998 |
| Cost of funding earning assets | 0.4063% | 4,011 |
| Net interest margin | 3.3358% | 3,291 |
| Noninterest income to average assets | 0.6684% | 1,868 |
| Noninterest expense to average assets | 2.2033% | 3,776 |
| Loan and lease loss provision to assets | 0.0824% | 3,253 |
| Net operating income to assets | 1.5152% | 901 |
| Return on assets (ROA) | 1.5152% | 976 |
| Pretax return on assets | 1.5152% | 1,416 |
| Return on Equity (ROE) | 18.5593% | 330 |
| Retained earnings to average equity (ytd only) | 7.9569% | 1,321 |
| Net charge-offs to loans | 0.0092% | 2,611 |
| Credit loss provision to net charge-offs | 1,388.8889% | 634 |
| Earnings coverage of net charge-offs (x) | 269.1667% | 348 |
| Efficiency ratio | 57.9682% | 3,686 |
| Assets per employee ($millions) | 6.7052% | 1,632 |
| Cash dividends to net income (ytd only)* | 57.1273% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9490% | 3,804 |
| Loan loss allowance to noncurrent loans | 4,520.2128% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 4,499 |
| Noncurrent loans to loans | 0.0210% | 4,408 |
| Net loans and leases to total assets | 66.1429% | 2,607 |
| Net loans and leases to deposits | 72.8522% | 3,176 |
| Net loans and leases to core deposits | 74.9181% | 3,375 |
| Total domestic deposits to total assets | 90.7906% | 199 |
| Equity capital to assets | 7.8556% | 4,785 |
| Core capital (leverage) ratio | 7.3575% | 4,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3211% | 2,063 |
| Memoranda: | ||
| Average total assets | $606,536,333 | 1,285 |
| Average earning assets | $569,578,333 | 1,270 |
| Average equity | $49,517,000 | 1,680 |
| Average total loans | $390,912,333 | 1,353 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7889% | 4,254 |
| Cost of funding earning assets | 0.4892% | 3,990 |
| Net interest margin | 3.2997% | 3,594 |
| Noninterest income to average assets | 0.4275% | 2,920 |
| Noninterest expense to average assets | 2.2084% | 3,987 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3186% | 1,190 |
| Return on assets (ROA) | 1.3186% | 1,284 |
| Pretax return on assets | 1.3186% | 1,821 |
| Return on Equity (ROE) | 15.8034% | 450 |
| Retained earnings to average equity (ytd only) | 0.7843% | 3,792 |
| Net charge-offs to loans | 0.0188% | 1,995 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 111.4118% | 534 |
| Efficiency ratio | 62.6135% | 3,425 |
| Assets per employee ($millions) | 5.7706% | 1,873 |
| Cash dividends to net income (ytd only)* | 95.0370% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1034% | 3,186 |
| Loan loss allowance to noncurrent loans | 5,263.1579% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0130% | 4,581 |
| Noncurrent loans to loans | 0.0210% | 4,488 |
| Net loans and leases to total assets | 61.5157% | 3,347 |
| Net loans and leases to deposits | 68.4811% | 3,695 |
| Net loans and leases to core deposits | 70.9701% | 3,816 |
| Total domestic deposits to total assets | 89.8287% | 379 |
| Equity capital to assets | 8.5135% | 4,828 |
| Core capital (leverage) ratio | 8.1888% | 4,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2757% | 2,577 |
| Memoranda: | ||
| Average total assets | $574,545,500 | 1,302 |
| Average earning assets | $539,688,000 | 1,290 |
| Average equity | $47,939,000 | 1,724 |
| Average total loans | $362,494,000 | 1,411 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9926% | 4,274 |
| Cost of funding earning assets | 0.5357% | 3,943 |
| Net interest margin | 3.4568% | 3,571 |
| Noninterest income to average assets | 0.6408% | 2,039 |
| Noninterest expense to average assets | 2.2969% | 3,950 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5977% | 842 |
| Return on assets (ROA) | 1.6264% | 839 |
| Pretax return on assets | 1.6106% | 1,454 |
| Return on Equity (ROE) | 20.3299% | 200 |
| Retained earnings to average equity (ytd only) | 3.4394% | 3,287 |
| Net charge-offs to loans | 0.0091% | 3,360 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 280.7742% | 297 |
| Efficiency ratio | 59.2166% | 3,814 |
| Assets per employee ($millions) | 5.5516% | 2,021 |
| Cash dividends to net income (ytd only)* | 83.0819% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1083% | 2,906 |
| Loan loss allowance to noncurrent loans | 80,340.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 4,695 |
| Noncurrent loans to loans | 0.0014% | 4,610 |
| Net loans and leases to total assets | 63.2992% | 3,279 |
| Net loans and leases to deposits | 70.0986% | 3,660 |
| Net loans and leases to core deposits | 72.9316% | 3,801 |
| Total domestic deposits to total assets | 90.3003% | 238 |
| Equity capital to assets | 8.1692% | 5,021 |
| Core capital (leverage) ratio | 8.2014% | 4,973 |
| Tier 1 risk-based capital ratio | 12.2769% | 4,199 |
| Total risk-based capital ratio | 13.3366% | 4,195 |
| Memoranda: | ||
| Average total assets | $550,219,200 | 1,305 |
| Average earning assets | $515,382,600 | 1,301 |
| Average equity | $44,019,000 | 1,789 |
| Average total loans | $340,527,600 | 1,460 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0170% | 4,330 |
| Cost of funding earning assets | 0.5348% | 3,999 |
| Net interest margin | 3.4822% | 3,619 |
| Noninterest income to average assets | 0.6278% | 2,079 |
| Noninterest expense to average assets | 2.2316% | 4,117 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6562% | 818 |
| Return on assets (ROA) | 1.6562% | 859 |
| Pretax return on assets | 1.6562% | 1,453 |
| Return on Equity (ROE) | 20.8160% | 206 |
| Retained earnings to average equity (ytd only) | 2.4544% | 4,116 |
| Net charge-offs to loans | 0.0068% | 3,136 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 399.0490% | 248 |
| Efficiency ratio | 57.3994% | 4,014 |
| Assets per employee ($millions) | 5.5598% | 1,975 |
| Cash dividends to net income (ytd only)* | 88.2093% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1828% | 2,601 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 59.9719% | 3,675 |
| Net loans and leases to deposits | 66.5697% | 4,022 |
| Net loans and leases to core deposits | 69.1097% | 4,094 |
| Total domestic deposits to total assets | 90.0889% | 264 |
| Equity capital to assets | 8.1351% | 5,105 |
| Core capital (leverage) ratio | 8.2634% | 5,044 |
| Tier 1 risk-based capital ratio | 12.7458% | 3,996 |
| Total risk-based capital ratio | 13.8875% | 3,933 |
| Memoranda: | ||
| Average total assets | $546,208,250 | 1,317 |
| Average earning assets | $511,348,000 | 1,313 |
| Average equity | $43,459,000 | 1,814 |
| Average total loans | $335,045,250 | 1,486 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0469% | 4,289 |
| Cost of funding earning assets | 0.5147% | 4,057 |
| Net interest margin | 3.5322% | 3,494 |
| Noninterest income to average assets | 0.5999% | 2,155 |
| Noninterest expense to average assets | 2.2088% | 4,206 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6988% | 728 |
| Return on assets (ROA) | 1.6988% | 755 |
| Pretax return on assets | 1.6988% | 1,269 |
| Return on Equity (ROE) | 21.5179% | 184 |
| Retained earnings to average equity (ytd only) | -0.0655% | 4,695 |
| Net charge-offs to loans | 0.0360% | 2,150 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 76.6000% | 841 |
| Efficiency ratio | 56.5267% | 4,188 |
| Assets per employee ($millions) | 5.3447% | 2,106 |
| Cash dividends to net income (ytd only)* | 100.3046% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1956% | 2,549 |
| Loan loss allowance to noncurrent loans | 7,976.0000% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 4,759 |
| Noncurrent loans to loans | 0.0150% | 4,653 |
| Net loans and leases to total assets | 59.8695% | 3,744 |
| Net loans and leases to deposits | 66.5323% | 4,061 |
| Net loans and leases to core deposits | 68.9346% | 4,158 |
| Total domestic deposits to total assets | 89.9856% | 337 |
| Equity capital to assets | 8.1606% | 5,144 |
| Core capital (leverage) ratio | 8.2862% | 5,067 |
| Tier 1 risk-based capital ratio | 12.8637% | 3,909 |
| Total risk-based capital ratio | 14.0228% | 3,868 |
| Memoranda: | ||
| Average total assets | $541,097,670 | 1,334 |
| Average earning assets | $506,711,670 | 1,322 |
| Average equity | $42,718,000 | 1,840 |
| Average total loans | $333,128,000 | 1,499 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1085% | 4,101 |
| Cost of funding earning assets | 0.4894% | 4,111 |
| Net interest margin | 3.6191% | 3,183 |
| Noninterest income to average assets | 0.5250% | 2,410 |
| Noninterest expense to average assets | 2.1663% | 4,341 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7450% | 669 |
| Return on assets (ROA) | 1.7450% | 693 |
| Pretax return on assets | 1.7450% | 1,103 |
| Return on Equity (ROE) | 22.4919% | 161 |
| Retained earnings to average equity (ytd only) | 1.2495% | 4,264 |
| Net charge-offs to loans | 0.0372% | 1,740 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 75.4839% | 799 |
| Efficiency ratio | 55.3861% | 4,403 |
| Assets per employee ($millions) | 5.2424% | 2,239 |
| Cash dividends to net income (ytd only)* | 94.4444% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 2,567 |
| Loan loss allowance to noncurrent loans | 9,129.5455% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0081% | 4,839 |
| Noncurrent loans to loans | 0.0132% | 4,725 |
| Net loans and leases to total assets | 61.1826% | 3,583 |
| Net loans and leases to deposits | 67.8459% | 3,941 |
| Net loans and leases to core deposits | 70.4572% | 4,058 |
| Total domestic deposits to total assets | 90.1788% | 391 |
| Equity capital to assets | 7.8594% | 5,213 |
| Core capital (leverage) ratio | 8.4615% | 5,031 |
| Tier 1 risk-based capital ratio | 12.6972% | 4,046 |
| Total risk-based capital ratio | 13.8444% | 3,985 |
| Memoranda: | ||
| Average total assets | $536,397,000 | 1,348 |
| Average earning assets | $501,889,500 | 1,337 |
| Average equity | $41,615,000 | 1,870 |
| Average total loans | $332,907,500 | 1,507 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7857% | 4,523 |
| Cost of funding earning assets | 0.3966% | 4,003 |
| Net interest margin | 3.3891% | 4,026 |
| Noninterest income to average assets | 0.5725% | 2,437 |
| Noninterest expense to average assets | 2.1934% | 4,356 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5890% | 898 |
| Return on assets (ROA) | 1.5890% | 886 |
| Pretax return on assets | 1.5618% | 1,584 |
| Return on Equity (ROE) | 21.2997% | 183 |
| Retained earnings to average equity (ytd only) | 3.1451% | 3,819 |
| Net charge-offs to loans | -0.1330% | 5,206 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4096% | 4,098 |
| Assets per employee ($millions) | 5.3283% | 2,123 |
| Cash dividends to net income (ytd only)* | 85.2340% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2214% | 2,460 |
| Loan loss allowance to noncurrent loans | 9,200.0000% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 4,869 |
| Noncurrent loans to loans | 0.0133% | 4,741 |
| Net loans and leases to total assets | 61.4428% | 3,619 |
| Net loans and leases to deposits | 68.0143% | 3,977 |
| Net loans and leases to core deposits | 70.8866% | 4,072 |
| Total domestic deposits to total assets | 90.3381% | 366 |
| Equity capital to assets | 7.6558% | 5,252 |
| Core capital (leverage) ratio | 8.2734% | 5,135 |
| Tier 1 risk-based capital ratio | 12.5695% | 4,094 |
| Total risk-based capital ratio | 13.7130% | 4,029 |
| Memoranda: | ||
| Average total assets | $529,766,600 | 1,330 |
| Average earning assets | $497,509,400 | 1,319 |
| Average equity | $39,521,600 | 1,884 |
| Average total loans | $323,263,800 | 1,504 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7255% | 4,606 |
| Cost of funding earning assets | 0.3607% | 4,110 |
| Net interest margin | 3.3648% | 4,120 |
| Noninterest income to average assets | 0.5648% | 2,495 |
| Noninterest expense to average assets | 2.1829% | 4,358 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5443% | 1,080 |
| Return on assets (ROA) | 1.5443% | 1,080 |
| Pretax return on assets | 1.5443% | 1,751 |
| Return on Equity (ROE) | 20.8375% | 224 |
| Retained earnings to average equity (ytd only) | 1.7923% | 4,640 |
| Net charge-offs to loans | -0.1826% | 5,284 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5678% | 4,028 |
| Assets per employee ($millions) | 5.4468% | 1,967 |
| Cash dividends to net income (ytd only)* | 91.3987% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2440% | 2,388 |
| Loan loss allowance to noncurrent loans | 9,222.7273% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 4,976 |
| Noncurrent loans to loans | 0.0135% | 4,856 |
| Net loans and leases to total assets | 60.3512% | 3,806 |
| Net loans and leases to deposits | 66.2590% | 4,181 |
| Net loans and leases to core deposits | 69.1467% | 4,239 |
| Total domestic deposits to total assets | 91.0837% | 198 |
| Equity capital to assets | 7.0920% | 5,377 |
| Core capital (leverage) ratio | 8.3283% | 5,190 |
| Tier 1 risk-based capital ratio | 12.4706% | 4,211 |
| Total risk-based capital ratio | 13.6287% | 4,161 |
| Memoranda: | ||
| Average total assets | $529,001,500 | 1,336 |
| Average earning assets | $497,172,500 | 1,318 |
| Average equity | $39,204,000 | 1,897 |
| Average total loans | $321,221,750 | 1,518 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6777% | 4,633 |
| Cost of funding earning assets | 0.3457% | 4,098 |
| Net interest margin | 3.3320% | 4,154 |
| Noninterest income to average assets | 0.6105% | 2,267 |
| Noninterest expense to average assets | 2.1915% | 4,389 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5517% | 1,032 |
| Return on assets (ROA) | 1.5517% | 1,037 |
| Pretax return on assets | 1.5517% | 1,653 |
| Return on Equity (ROE) | 20.6389% | 224 |
| Retained earnings to average equity (ytd only) | 2.4815% | 4,267 |
| Net charge-offs to loans | -0.0939% | 5,139 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5452% | 4,149 |
| Assets per employee ($millions) | 5.6332% | 1,772 |
| Cash dividends to net income (ytd only)* | 87.9765% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1703% | 2,879 |
| Loan loss allowance to noncurrent loans | 6,496.5517% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 4,989 |
| Noncurrent loans to loans | 0.0180% | 4,859 |
| Net loans and leases to total assets | 60.7399% | 3,735 |
| Net loans and leases to deposits | 66.8954% | 4,107 |
| Net loans and leases to core deposits | 70.1512% | 4,134 |
| Total domestic deposits to total assets | 90.7984% | 304 |
| Equity capital to assets | 7.3728% | 5,401 |
| Core capital (leverage) ratio | 8.1804% | 5,275 |
| Tier 1 risk-based capital ratio | 12.5397% | 4,156 |
| Total risk-based capital ratio | 13.6239% | 4,148 |
| Memoranda: | ||
| Average total assets | $527,406,670 | 1,345 |
| Average earning assets | $495,851,670 | 1,324 |
| Average equity | $39,653,330 | 1,879 |
| Average total loans | $319,561,000 | 1,526 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5761% | 4,752 |
| Cost of funding earning assets | 0.3411% | 4,051 |
| Net interest margin | 3.2350% | 4,355 |
| Noninterest income to average assets | 0.6093% | 2,215 |
| Noninterest expense to average assets | 2.1876% | 4,449 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4612% | 1,172 |
| Return on assets (ROA) | 1.4612% | 1,174 |
| Pretax return on assets | 1.4612% | 1,800 |
| Return on Equity (ROE) | 19.2494% | 301 |
| Retained earnings to average equity (ytd only) | 0.3286% | 4,756 |
| Net charge-offs to loans | -0.1143% | 5,251 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9544% | 4,070 |
| Assets per employee ($millions) | 5.6269% | 1,822 |
| Cash dividends to net income (ytd only)* | 98.2928% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1541% | 3,072 |
| Loan loss allowance to noncurrent loans | 3,253.5088% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0213% | 5,007 |
| Noncurrent loans to loans | 0.0355% | 4,810 |
| Net loans and leases to total assets | 59.4264% | 3,802 |
| Net loans and leases to deposits | 65.4453% | 4,129 |
| Net loans and leases to core deposits | 68.8446% | 4,165 |
| Total domestic deposits to total assets | 90.8031% | 382 |
| Equity capital to assets | 7.2404% | 5,481 |
| Core capital (leverage) ratio | 8.3211% | 5,246 |
| Tier 1 risk-based capital ratio | 12.3060% | 4,373 |
| Total risk-based capital ratio | 13.3631% | 4,375 |
| Memoranda: | ||
| Average total assets | $529,167,000 | 1,352 |
| Average earning assets | $497,186,000 | 1,334 |
| Average equity | $40,167,500 | 1,860 |
| Average total loans | $318,353,500 | 1,529 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5437% | 4,706 |
| Cost of funding earning assets | 0.3455% | 3,754 |
| Net interest margin | 3.1981% | 4,452 |
| Noninterest income to average assets | 0.6490% | 2,203 |
| Noninterest expense to average assets | 2.2589% | 4,424 |
| Loan and lease loss provision to assets | 0.0353% | 3,563 |
| Net operating income to assets | 1.3499% | 1,115 |
| Return on assets (ROA) | 1.3485% | 1,141 |
| Pretax return on assets | 1.3485% | 2,176 |
| Return on Equity (ROE) | 16.8861% | 405 |
| Retained earnings to average equity (ytd only) | 6.0806% | 1,495 |
| Net charge-offs to loans | -0.0974% | 5,367 |
| Credit loss provision to net charge-offs | -60.6061% | 4,661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9881% | 3,939 |
| Assets per employee ($millions) | 5.2378% | 2,211 |
| Cash dividends to net income (ytd only)* | 63.9907% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1474% | 3,077 |
| Loan loss allowance to noncurrent loans | 2,680.0000% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 5,027 |
| Noncurrent loans to loans | 0.0428% | 4,806 |
| Net loans and leases to total assets | 59.5124% | 3,878 |
| Net loans and leases to deposits | 66.4409% | 4,153 |
| Net loans and leases to core deposits | 69.9592% | 4,175 |
| Total domestic deposits to total assets | 89.5719% | 741 |
| Equity capital to assets | 7.9483% | 5,413 |
| Core capital (leverage) ratio | 8.2677% | 5,308 |
| Tier 1 risk-based capital ratio | 12.3462% | 4,296 |
| Total risk-based capital ratio | 13.3853% | 4,335 |
| Memoranda: | ||
| Average total assets | $509,897,400 | 1,373 |
| Average earning assets | $477,530,200 | 1,361 |
| Average equity | $40,720,000 | 1,821 |
| Average total loans | $304,957,200 | 1,547 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5275% | 4,747 |
| Cost of funding earning assets | 0.3441% | 3,730 |
| Net interest margin | 3.1833% | 4,496 |
| Noninterest income to average assets | 0.6345% | 2,288 |
| Noninterest expense to average assets | 2.2557% | 4,403 |
| Loan and lease loss provision to assets | 0.0355% | 3,405 |
| Net operating income to assets | 1.3243% | 1,265 |
| Return on assets (ROA) | 1.3211% | 1,298 |
| Pretax return on assets | 1.3211% | 2,390 |
| Return on Equity (ROE) | 16.5229% | 478 |
| Retained earnings to average equity (ytd only) | 4.8337% | 2,994 |
| Net charge-offs to loans | -0.1182% | 5,423 |
| Credit loss provision to net charge-offs | -50.3731% | 4,442 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3899% | 3,826 |
| Assets per employee ($millions) | 5.2239% | 2,201 |
| Cash dividends to net income (ytd only)* | 70.7454% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1517% | 3,188 |
| Loan loss allowance to noncurrent loans | 2,513.4752% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0273% | 5,111 |
| Noncurrent loans to loans | 0.0458% | 4,910 |
| Net loans and leases to total assets | 58.8175% | 3,980 |
| Net loans and leases to deposits | 65.8271% | 4,265 |
| Net loans and leases to core deposits | 69.5568% | 4,269 |
| Total domestic deposits to total assets | 89.3515% | 725 |
| Equity capital to assets | 8.0921% | 5,488 |
| Core capital (leverage) ratio | 8.4241% | 5,300 |
| Tier 1 risk-based capital ratio | 12.4738% | 4,333 |
| Total risk-based capital ratio | 13.5265% | 4,345 |
| Memoranda: | ||
| Average total assets | $506,428,000 | 1,397 |
| Average earning assets | $474,248,250 | 1,382 |
| Average equity | $40,492,250 | 1,848 |
| Average total loans | $302,364,250 | 1,567 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5373% | 4,665 |
| Cost of funding earning assets | 0.3445% | 3,640 |
| Net interest margin | 3.1929% | 4,441 |
| Noninterest income to average assets | 0.6340% | 2,296 |
| Noninterest expense to average assets | 2.2520% | 4,457 |
| Loan and lease loss provision to assets | 0.0358% | 3,288 |
| Net operating income to assets | 1.3360% | 1,205 |
| Return on assets (ROA) | 1.3312% | 1,236 |
| Pretax return on assets | 1.3312% | 2,265 |
| Return on Equity (ROE) | 16.7184% | 437 |
| Retained earnings to average equity (ytd only) | 4.4806% | 3,044 |
| Net charge-offs to loans | -0.2043% | 5,577 |
| Credit loss provision to net charge-offs | -29.3160% | 4,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1447% | 3,969 |
| Assets per employee ($millions) | 5.2011% | 2,156 |
| Cash dividends to net income (ytd only)* | 73.1999% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1555% | 3,283 |
| Loan loss allowance to noncurrent loans | 1,558.5903% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0445% | 5,056 |
| Noncurrent loans to loans | 0.0741% | 4,833 |
| Net loans and leases to total assets | 59.3786% | 3,895 |
| Net loans and leases to deposits | 67.3691% | 4,121 |
| Net loans and leases to core deposits | 71.2690% | 4,140 |
| Total domestic deposits to total assets | 88.1392% | 1,389 |
| Equity capital to assets | 8.1720% | 5,463 |
| Core capital (leverage) ratio | 8.3807% | 5,296 |
| Tier 1 risk-based capital ratio | 12.2607% | 4,451 |
| Total risk-based capital ratio | 13.3074% | 4,473 |
| Memoranda: | ||
| Average total assets | $502,847,000 | 1,408 |
| Average earning assets | $470,862,000 | 1,401 |
| Average equity | $40,039,670 | 1,869 |
| Average total loans | $300,575,330 | 1,577 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5562% | 4,528 |
| Cost of funding earning assets | 0.3436% | 3,591 |
| Net interest margin | 3.2126% | 4,297 |
| Noninterest income to average assets | 0.5879% | 2,471 |
| Noninterest expense to average assets | 2.2474% | 4,542 |
| Loan and lease loss provision to assets | 0.0360% | 3,074 |
| Net operating income to assets | 1.3071% | 1,218 |
| Return on assets (ROA) | 1.3087% | 1,248 |
| Pretax return on assets | 1.3087% | 2,206 |
| Return on Equity (ROE) | 16.6594% | 444 |
| Retained earnings to average equity (ytd only) | 4.4248% | 3,214 |
| Net charge-offs to loans | 0.0027% | 2,875 |
| Credit loss provision to net charge-offs | 2,250.0000% | 150 |
| Earnings coverage of net charge-offs (x) | 838.5000% | 54 |
| Efficiency ratio | 62.5920% | 4,059 |
| Assets per employee ($millions) | 5.1412% | 2,253 |
| Cash dividends to net income (ytd only)* | 73.4394% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0613% | 3,922 |
| Loan loss allowance to noncurrent loans | 667.5052% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.0947% | 4,893 |
| Noncurrent loans to loans | 0.1590% | 4,548 |
| Net loans and leases to total assets | 58.9105% | 3,893 |
| Net loans and leases to deposits | 66.0162% | 4,172 |
| Net loans and leases to core deposits | 71.4665% | 4,034 |
| Total domestic deposits to total assets | 89.2364% | 1,038 |
| Equity capital to assets | 7.8626% | 5,582 |
| Core capital (leverage) ratio | 8.2895% | 5,386 |
| Tier 1 risk-based capital ratio | 12.2802% | 4,519 |
| Total risk-based capital ratio | 13.2346% | 4,625 |
| Memoranda: | ||
| Average total assets | $499,418,500 | 1,425 |
| Average earning assets | $466,787,000 | 1,415 |
| Average equity | $39,233,000 | 1,902 |
| Average total loans | $297,766,500 | 1,589 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5209% | 4,730 |
| Cost of funding earning assets | 0.3409% | 3,625 |
| Net interest margin | 3.1800% | 4,503 |
| Noninterest income to average assets | 0.6774% | 2,282 |
| Noninterest expense to average assets | 2.3190% | 4,514 |
| Loan and lease loss provision to assets | 0.0367% | 3,631 |
| Net operating income to assets | 1.0662% | 2,055 |
| Return on assets (ROA) | 1.1086% | 1,960 |
| Pretax return on assets | 1.3385% | 2,154 |
| Return on Equity (ROE) | 13.2201% | 947 |
| Retained earnings to average equity (ytd only) | 6.5372% | 1,441 |
| Net charge-offs to loans | 0.3069% | 895 |
| Credit loss provision to net charge-offs | 20.5714% | 3,673 |
| Earnings coverage of net charge-offs (x) | 7.4251% | 3,020 |
| Efficiency ratio | 63.6552% | 4,005 |
| Assets per employee ($millions) | 5.0000% | 2,390 |
| Cash dividends to net income (ytd only)* | 50.5515% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0628% | 3,935 |
| Loan loss allowance to noncurrent loans | 698.0000% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.0909% | 4,967 |
| Noncurrent loans to loans | 0.1523% | 4,630 |
| Net loans and leases to total assets | 59.0697% | 3,955 |
| Net loans and leases to deposits | 66.6363% | 4,197 |
| Net loans and leases to core deposits | 69.3783% | 4,300 |
| Total domestic deposits to total assets | 88.6450% | 1,299 |
| Equity capital to assets | 7.8487% | 5,619 |
| Core capital (leverage) ratio | 8.2550% | 5,471 |
| Tier 1 risk-based capital ratio | 12.3506% | 4,475 |
| Total risk-based capital ratio | 13.3064% | 4,571 |
| Memoranda: | ||
| Average total assets | $490,694,600 | 1,406 |
| Average earning assets | $457,607,400 | 1,399 |
| Average equity | $41,149,400 | 1,797 |
| Average total loans | $285,070,000 | 1,592 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4998% | 4,797 |
| Cost of funding earning assets | 0.3435% | 3,620 |
| Net interest margin | 3.1563% | 4,621 |
| Noninterest income to average assets | 0.6849% | 2,241 |
| Noninterest expense to average assets | 2.3193% | 4,488 |
| Loan and lease loss provision to assets | 0.0368% | 3,516 |
| Net operating income to assets | 0.9778% | 2,528 |
| Return on assets (ROA) | 1.0304% | 2,420 |
| Pretax return on assets | 1.3376% | 2,278 |
| Return on Equity (ROE) | 12.0919% | 1,292 |
| Retained earnings to average equity (ytd only) | 8.8963% | 852 |
| Net charge-offs to loans | 0.4258% | 505 |
| Credit loss provision to net charge-offs | 14.9667% | 3,329 |
| Earnings coverage of net charge-offs (x) | 5.3171% | 3,148 |
| Efficiency ratio | 63.9751% | 3,938 |
| Assets per employee ($millions) | 5.0637% | 2,297 |
| Cash dividends to net income (ytd only)* | 26.4270% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 3,945 |
| Loan loss allowance to noncurrent loans | 968.1388% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.0639% | 5,189 |
| Noncurrent loans to loans | 0.1116% | 4,890 |
| Net loans and leases to total assets | 56.6408% | 4,236 |
| Net loans and leases to deposits | 64.4110% | 4,455 |
| Net loans and leases to core deposits | 67.2171% | 4,532 |
| Total domestic deposits to total assets | 87.9365% | 1,430 |
| Equity capital to assets | 8.9074% | 5,236 |
| Core capital (leverage) ratio | 8.4105% | 5,423 |
| Tier 1 risk-based capital ratio | 12.5949% | 4,416 |
| Total risk-based capital ratio | 13.5495% | 4,512 |
| Memoranda: | ||
| Average total assets | $489,618,750 | 1,411 |
| Average earning assets | $456,128,750 | 1,408 |
| Average equity | $41,724,000 | 1,782 |
| Average total loans | $282,453,750 | 1,606 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4555% | 4,971 |
| Cost of funding earning assets | 0.3447% | 3,625 |
| Net interest margin | 3.1108% | 4,802 |
| Noninterest income to average assets | 0.6775% | 2,244 |
| Noninterest expense to average assets | 2.3212% | 4,550 |
| Loan and lease loss provision to assets | 0.0369% | 3,422 |
| Net operating income to assets | 0.7911% | 3,351 |
| Return on assets (ROA) | 0.8420% | 3,256 |
| Pretax return on assets | 1.3049% | 2,384 |
| Return on Equity (ROE) | 10.0347% | 2,035 |
| Retained earnings to average equity (ytd only) | 10.0347% | 592 |
| Net charge-offs to loans | 0.6059% | 345 |
| Credit loss provision to net charge-offs | 10.5386% | 2,991 |
| Earnings coverage of net charge-offs (x) | 3.6054% | 3,084 |
| Efficiency ratio | 64.7550% | 3,888 |
| Assets per employee ($millions) | 4.9578% | 2,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0785% | 4,062 |
| Loan loss allowance to noncurrent loans | 783.6735% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.0791% | 5,211 |
| Noncurrent loans to loans | 0.1376% | 4,888 |
| Net loans and leases to total assets | 56.8313% | 4,221 |
| Net loans and leases to deposits | 64.5496% | 4,452 |
| Net loans and leases to core deposits | 68.0536% | 4,468 |
| Total domestic deposits to total assets | 88.0429% | 1,414 |
| Equity capital to assets | 8.8325% | 5,378 |
| Core capital (leverage) ratio | 8.2510% | 5,572 |
| Tier 1 risk-based capital ratio | 12.5918% | 4,453 |
| Total risk-based capital ratio | 13.5653% | 4,557 |
| Memoranda: | ||
| Average total assets | $487,411,330 | 1,422 |
| Average earning assets | $455,504,330 | 1,409 |
| Average equity | $40,898,000 | 1,818 |
| Average total loans | $281,890,330 | 1,608 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4846% | 4,919 |
| Cost of funding earning assets | 0.3489% | 3,609 |
| Net interest margin | 3.1357% | 4,763 |
| Noninterest income to average assets | 0.6672% | 2,181 |
| Noninterest expense to average assets | 2.3567% | 4,499 |
| Loan and lease loss provision to assets | 0.0372% | 3,166 |
| Net operating income to assets | 0.3350% | 5,195 |
| Return on assets (ROA) | 0.4362% | 4,958 |
| Pretax return on assets | 1.3700% | 2,006 |
| Return on Equity (ROE) | 5.3432% | 4,317 |
| Retained earnings to average equity (ytd only) | 5.3432% | 2,743 |
| Net charge-offs to loans | 0.4964% | 443 |
| Credit loss provision to net charge-offs | 12.9310% | 2,349 |
| Earnings coverage of net charge-offs (x) | 4.3362% | 2,445 |
| Efficiency ratio | 65.3581% | 3,907 |
| Assets per employee ($millions) | 4.9106% | 2,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 3,177 |
| Loan loss allowance to noncurrent loans | 276.2314% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.2605% | 4,515 |
| Noncurrent loans to loans | 0.4528% | 3,821 |
| Net loans and leases to total assets | 56.8052% | 4,171 |
| Net loans and leases to deposits | 64.2425% | 4,427 |
| Net loans and leases to core deposits | 67.9466% | 4,407 |
| Total domestic deposits to total assets | 88.4231% | 1,391 |
| Equity capital to assets | 8.2732% | 5,709 |
| Core capital (leverage) ratio | 8.1447% | 5,687 |
| Tier 1 risk-based capital ratio | 12.2685% | 4,739 |
| Total risk-based capital ratio | 13.3953% | 4,717 |
| Memoranda: | ||
| Average total assets | $483,226,500 | 1,432 |
| Average earning assets | $452,846,000 | 1,414 |
| Average equity | $39,452,000 | 1,873 |
| Average total loans | $280,420,000 | 1,616 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4937% | 4,937 |
| Cost of funding earning assets | 0.3482% | 3,716 |
| Net interest margin | 3.1455% | 4,787 |
| Noninterest income to average assets | 0.6390% | 2,521 |
| Noninterest expense to average assets | 2.5057% | 4,208 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7692% | 3,469 |
| Return on assets (ROA) | 0.9604% | 2,646 |
| Pretax return on assets | 1.3179% | 2,210 |
| Return on Equity (ROE) | 11.0126% | 1,609 |
| Retained earnings to average equity (ytd only) | -0.6118% | 5,609 |
| Net charge-offs to loans | 0.1087% | 2,293 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 16.6599% | 2,116 |
| Efficiency ratio | 70.3517% | 3,166 |
| Assets per employee ($millions) | 4.6607% | 2,792 |
| Cash dividends to net income (ytd only)* | 105.5556% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3781% | 2,522 |
| Loan loss allowance to noncurrent loans | 221.8623% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.3637% | 4,133 |
| Noncurrent loans to loans | 0.6211% | 3,322 |
| Net loans and leases to total assets | 57.7466% | 4,116 |
| Net loans and leases to deposits | 68.2307% | 4,110 |
| Net loans and leases to core deposits | 71.2913% | 4,191 |
| Total domestic deposits to total assets | 84.6343% | 3,241 |
| Equity capital to assets | 8.0518% | 5,834 |
| Core capital (leverage) ratio | 8.2218% | 5,674 |
| Tier 1 risk-based capital ratio | 12.1583% | 4,854 |
| Total risk-based capital ratio | 13.3837% | 4,768 |
| Memoranda: | ||
| Average total assets | $468,565,000 | 1,436 |
| Average earning assets | $435,384,600 | 1,436 |
| Average equity | $40,862,200 | 1,764 |
| Average total loans | $273,134,400 | 1,599 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5047% | 4,973 |
| Cost of funding earning assets | 0.3509% | 3,744 |
| Net interest margin | 3.1538% | 4,812 |
| Noninterest income to average assets | 0.6569% | 2,442 |
| Noninterest expense to average assets | 2.4192% | 4,456 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8489% | 3,178 |
| Return on assets (ROA) | 1.0316% | 2,411 |
| Pretax return on assets | 1.4140% | 1,957 |
| Return on Equity (ROE) | 11.6022% | 1,497 |
| Retained earnings to average equity (ytd only) | 8.3901% | 1,089 |
| Net charge-offs to loans | 0.1521% | 1,618 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 13.1453% | 2,349 |
| Efficiency ratio | 67.5195% | 3,627 |
| Assets per employee ($millions) | 4.6202% | 2,809 |
| Cash dividends to net income (ytd only)* | 27.6855% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4210% | 2,500 |
| Loan loss allowance to noncurrent loans | 224.2229% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.3618% | 4,326 |
| Noncurrent loans to loans | 0.6338% | 3,420 |
| Net loans and leases to total assets | 56.2767% | 4,325 |
| Net loans and leases to deposits | 64.3593% | 4,526 |
| Net loans and leases to core deposits | 67.4186% | 4,589 |
| Total domestic deposits to total assets | 87.4415% | 1,827 |
| Equity capital to assets | 8.9904% | 5,311 |
| Core capital (leverage) ratio | 8.8283% | 5,205 |
| Tier 1 risk-based capital ratio | 13.6074% | 4,080 |
| Total risk-based capital ratio | 14.8743% | 3,998 |
| Memoranda: | ||
| Average total assets | $466,857,250 | 1,449 |
| Average earning assets | $433,165,500 | 1,443 |
| Average equity | $41,508,250 | 1,759 |
| Average total loans | $271,827,750 | 1,617 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4967% | 4,988 |
| Cost of funding earning assets | 0.3513% | 3,792 |
| Net interest margin | 3.1454% | 4,843 |
| Noninterest income to average assets | 0.6652% | 2,388 |
| Noninterest expense to average assets | 2.4358% | 4,449 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8473% | 3,137 |
| Return on assets (ROA) | 1.1221% | 1,958 |
| Pretax return on assets | 1.5303% | 1,557 |
| Return on Equity (ROE) | 12.6681% | 1,179 |
| Retained earnings to average equity (ytd only) | 12.6681% | 334 |
| Net charge-offs to loans | 0.2244% | 1,140 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 8.7745% | 2,531 |
| Efficiency ratio | 67.8559% | 3,693 |
| Assets per employee ($millions) | 4.5259% | 2,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3899% | 2,809 |
| Loan loss allowance to noncurrent loans | 214.6383% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.3788% | 4,379 |
| Noncurrent loans to loans | 0.6476% | 3,535 |
| Net loans and leases to total assets | 57.6823% | 4,147 |
| Net loans and leases to deposits | 65.9044% | 4,341 |
| Net loans and leases to core deposits | 70.3696% | 4,293 |
| Total domestic deposits to total assets | 87.5242% | 1,893 |
| Equity capital to assets | 8.8224% | 5,409 |
| Core capital (leverage) ratio | 8.8162% | 5,209 |
| Tier 1 risk-based capital ratio | 13.3072% | 4,344 |
| Total risk-based capital ratio | 14.5517% | 4,268 |
| Memoranda: | ||
| Average total assets | $465,390,670 | 1,460 |
| Average earning assets | $432,697,330 | 1,448 |
| Average equity | $41,221,670 | 1,778 |
| Average total loans | $272,760,000 | 1,614 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5119% | 4,924 |
| Cost of funding earning assets | 0.3487% | 3,871 |
| Net interest margin | 3.1632% | 4,744 |
| Noninterest income to average assets | 0.6198% | 2,544 |
| Noninterest expense to average assets | 2.4679% | 4,374 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8164% | 3,176 |
| Return on assets (ROA) | 1.3390% | 1,230 |
| Pretax return on assets | 1.7971% | 867 |
| Return on Equity (ROE) | 15.0868% | 696 |
| Retained earnings to average equity (ytd only) | 15.0868% | 276 |
| Net charge-offs to loans | -0.0368% | 5,368 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1618% | 3,629 |
| Assets per employee ($millions) | 4.5755% | 2,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5270% | 2,340 |
| Loan loss allowance to noncurrent loans | 197.0616% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.4477% | 4,243 |
| Noncurrent loans to loans | 0.7749% | 3,317 |
| Net loans and leases to total assets | 56.8945% | 4,101 |
| Net loans and leases to deposits | 65.3873% | 4,217 |
| Net loans and leases to core deposits | 70.5964% | 4,096 |
| Total domestic deposits to total assets | 87.0116% | 2,361 |
| Equity capital to assets | 8.9072% | 5,388 |
| Core capital (leverage) ratio | 8.8598% | 5,128 |
| Tier 1 risk-based capital ratio | 13.2436% | 4,465 |
| Total risk-based capital ratio | 14.5143% | 4,370 |
| Memoranda: | ||
| Average total assets | $462,737,500 | 1,471 |
| Average earning assets | $431,339,000 | 1,456 |
| Average equity | $41,069,000 | 1,788 |
| Average total loans | $271,472,000 | 1,615 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7664% | 4,594 |
| Cost of funding earning assets | 0.3623% | 4,117 |
| Net interest margin | 3.4041% | 4,183 |
| Noninterest income to average assets | 0.6563% | 2,522 |
| Noninterest expense to average assets | 2.6000% | 4,222 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9319% | 2,717 |
| Return on assets (ROA) | 0.9413% | 2,761 |
| Pretax return on assets | 1.2103% | 2,610 |
| Return on Equity (ROE) | 10.0762% | 2,085 |
| Retained earnings to average equity (ytd only) | -5.8246% | 6,215 |
| Net charge-offs to loans | 0.2265% | 1,859 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 8.9167% | 2,814 |
| Efficiency ratio | 68.4537% | 3,815 |
| Assets per employee ($millions) | 4.2848% | 3,385 |
| Cash dividends to net income (ytd only)* | 157.8053% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5270% | 2,352 |
| Loan loss allowance to noncurrent loans | 199.5654% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.4560% | 4,290 |
| Noncurrent loans to loans | 0.7652% | 3,402 |
| Net loans and leases to total assets | 58.6798% | 3,967 |
| Net loans and leases to deposits | 68.2473% | 4,101 |
| Net loans and leases to core deposits | 74.1153% | 3,909 |
| Total domestic deposits to total assets | 85.9811% | 2,854 |
| Equity capital to assets | 8.8420% | 5,435 |
| Core capital (leverage) ratio | 8.6389% | 5,397 |
| Tier 1 risk-based capital ratio | 12.9023% | 4,795 |
| Total risk-based capital ratio | 14.1729% | 4,698 |
| Memoranda: | ||
| Average total assets | $437,575,400 | 1,523 |
| Average earning assets | $403,862,400 | 1,514 |
| Average equity | $40,878,400 | 1,748 |
| Average total loans | $259,575,200 | 1,633 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8052% | 4,526 |
| Cost of funding earning assets | 0.3624% | 4,212 |
| Net interest margin | 3.4427% | 4,052 |
| Noninterest income to average assets | 0.6629% | 2,509 |
| Noninterest expense to average assets | 2.6222% | 4,118 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9730% | 2,582 |
| Return on assets (ROA) | 0.9693% | 2,665 |
| Pretax return on assets | 1.2065% | 2,749 |
| Return on Equity (ROE) | 10.2324% | 2,099 |
| Retained earnings to average equity (ytd only) | -10.8754% | 6,391 |
| Net charge-offs to loans | 0.1205% | 2,611 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 16.9696% | 1,934 |
| Efficiency ratio | 68.4054% | 3,785 |
| Assets per employee ($millions) | 4.2616% | 3,357 |
| Cash dividends to net income (ytd only)* | 206.2836% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7263% | 1,899 |
| Loan loss allowance to noncurrent loans | 2,278.6802% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0449% | 5,981 |
| Noncurrent loans to loans | 0.0758% | 5,724 |
| Net loans and leases to total assets | 58.2182% | 4,039 |
| Net loans and leases to deposits | 66.9585% | 4,237 |
| Net loans and leases to core deposits | 71.9996% | 4,153 |
| Total domestic deposits to total assets | 86.9467% | 2,350 |
| Equity capital to assets | 8.8743% | 5,489 |
| Core capital (leverage) ratio | 8.8024% | 5,336 |
| Tier 1 risk-based capital ratio | 13.1486% | 4,766 |
| Total risk-based capital ratio | 14.4211% | 4,686 |
| Memoranda: | ||
| Average total assets | $433,420,750 | 1,546 |
| Average earning assets | $399,130,250 | 1,545 |
| Average equity | $41,058,000 | 1,749 |
| Average total loans | $256,805,750 | 1,656 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8123% | 4,482 |
| Cost of funding earning assets | 0.3581% | 4,339 |
| Net interest margin | 3.4542% | 3,968 |
| Noninterest income to average assets | 0.6196% | 2,715 |
| Noninterest expense to average assets | 2.6067% | 4,220 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9636% | 2,485 |
| Return on assets (ROA) | 0.9602% | 2,597 |
| Pretax return on assets | 1.1914% | 2,694 |
| Return on Equity (ROE) | 9.9235% | 2,181 |
| Retained earnings to average equity (ytd only) | 5.1341% | 2,875 |
| Net charge-offs to loans | 0.1533% | 2,164 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 13.1633% | 1,996 |
| Efficiency ratio | 68.5558% | 3,912 |
| Assets per employee ($millions) | 4.0794% | 3,682 |
| Cash dividends to net income (ytd only)* | 48.2625% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7676% | 1,933 |
| Loan loss allowance to noncurrent loans | 853.7736% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.1226% | 5,790 |
| Noncurrent loans to loans | 0.2070% | 5,398 |
| Net loans and leases to total assets | 58.1561% | 3,971 |
| Net loans and leases to deposits | 68.1816% | 4,029 |
| Net loans and leases to core deposits | 72.8129% | 3,966 |
| Total domestic deposits to total assets | 85.2958% | 3,362 |
| Equity capital to assets | 9.9660% | 4,158 |
| Core capital (leverage) ratio | 9.8637% | 3,791 |
| Tier 1 risk-based capital ratio | 14.8913% | 3,693 |
| Total risk-based capital ratio | 16.1648% | 3,625 |
| Memoranda: | ||
| Average total assets | $431,581,000 | 1,552 |
| Average earning assets | $397,657,330 | 1,543 |
| Average equity | $41,759,670 | 1,720 |
| Average total loans | $255,730,330 | 1,656 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8181% | 4,412 |
| Cost of funding earning assets | 0.3498% | 4,543 |
| Net interest margin | 3.4684% | 3,829 |
| Noninterest income to average assets | 0.5743% | 2,888 |
| Noninterest expense to average assets | 2.6292% | 4,182 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9454% | 2,427 |
| Return on assets (ROA) | 0.8656% | 2,888 |
| Pretax return on assets | 1.0493% | 3,137 |
| Return on Equity (ROE) | 9.0821% | 2,421 |
| Retained earnings to average equity (ytd only) | -0.6522% | 5,671 |
| Net charge-offs to loans | 0.0720% | 2,428 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 26.8696% | 1,120 |
| Efficiency ratio | 69.6314% | 3,890 |
| Assets per employee ($millions) | 4.0624% | 3,796 |
| Cash dividends to net income (ytd only)* | 107.1811% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8204% | 1,981 |
| Loan loss allowance to noncurrent loans | 931.2749% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.1155% | 5,903 |
| Noncurrent loans to loans | 0.1955% | 5,507 |
| Net loans and leases to total assets | 58.0049% | 3,836 |
| Net loans and leases to deposits | 67.3068% | 3,934 |
| Net loans and leases to core deposits | 71.6428% | 3,907 |
| Total domestic deposits to total assets | 86.1799% | 3,266 |
| Equity capital to assets | 9.5455% | 4,437 |
| Core capital (leverage) ratio | 9.6558% | 4,055 |
| Tier 1 risk-based capital ratio | 14.5017% | 4,009 |
| Total risk-based capital ratio | 15.7734% | 3,947 |
| Memoranda: | ||
| Average total assets | $431,161,000 | 1,559 |
| Average earning assets | $397,996,000 | 1,547 |
| Average equity | $41,092,000 | 1,737 |
| Average total loans | $255,593,500 | 1,665 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9074% | 4,431 |
| Cost of funding earning assets | 0.3852% | 4,798 |
| Net interest margin | 3.5222% | 3,797 |
| Noninterest income to average assets | 0.7642% | 2,240 |
| Noninterest expense to average assets | 2.6976% | 4,103 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0731% | 2,020 |
| Return on assets (ROA) | 1.0065% | 2,358 |
| Pretax return on assets | 1.2308% | 2,453 |
| Return on Equity (ROE) | 10.7223% | 1,857 |
| Retained earnings to average equity (ytd only) | 9.7160% | 617 |
| Net charge-offs to loans | -0.1104% | 6,497 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2772% | 4,332 |
| Assets per employee ($millions) | 4.1120% | 3,623 |
| Cash dividends to net income (ytd only)* | 9.3853% | 4,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8559% | 1,907 |
| Loan loss allowance to noncurrent loans | 1,919.1057% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0575% | 6,187 |
| Noncurrent loans to loans | 0.0967% | 5,921 |
| Net loans and leases to total assets | 58.3795% | 3,970 |
| Net loans and leases to deposits | 67.8798% | 4,072 |
| Net loans and leases to core deposits | 71.9585% | 4,075 |
| Total domestic deposits to total assets | 86.0043% | 3,253 |
| Equity capital to assets | 9.5154% | 4,410 |
| Core capital (leverage) ratio | 9.5913% | 4,125 |
| Tier 1 risk-based capital ratio | 14.6192% | 3,889 |
| Total risk-based capital ratio | 15.8881% | 3,824 |
| Memoranda: | ||
| Average total assets | $423,451,600 | 1,562 |
| Average earning assets | $390,179,000 | 1,552 |
| Average equity | $39,749,000 | 1,755 |
| Average total loans | $242,799,600 | 1,705 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9047% | 4,486 |
| Cost of funding earning assets | 0.3948% | 4,863 |
| Net interest margin | 3.5100% | 3,836 |
| Noninterest income to average assets | 0.8074% | 2,107 |
| Noninterest expense to average assets | 2.6972% | 4,028 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0874% | 2,056 |
| Return on assets (ROA) | 1.0457% | 2,280 |
| Pretax return on assets | 1.2891% | 2,372 |
| Return on Equity (ROE) | 11.1791% | 1,761 |
| Retained earnings to average equity (ytd only) | 11.1791% | 546 |
| Net charge-offs to loans | -0.1695% | 6,618 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7996% | 4,339 |
| Assets per employee ($millions) | 4.0524% | 3,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9578% | 1,833 |
| Loan loss allowance to noncurrent loans | 1,591.3043% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0703% | 6,226 |
| Noncurrent loans to loans | 0.1230% | 5,962 |
| Net loans and leases to total assets | 55.9972% | 4,325 |
| Net loans and leases to deposits | 65.1308% | 4,394 |
| Net loans and leases to core deposits | 69.5105% | 4,370 |
| Total domestic deposits to total assets | 85.9765% | 3,262 |
| Equity capital to assets | 9.4649% | 4,598 |
| Core capital (leverage) ratio | 9.6379% | 4,189 |
| Tier 1 risk-based capital ratio | 14.9755% | 3,765 |
| Total risk-based capital ratio | 16.2467% | 3,705 |
| Memoranda: | ||
| Average total assets | $422,403,250 | 1,572 |
| Average earning assets | $388,751,250 | 1,564 |
| Average equity | $39,513,250 | 1,779 |
| Average total loans | $239,905,000 | 1,722 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8909% | 4,517 |
| Cost of funding earning assets | 0.4082% | 4,865 |
| Net interest margin | 3.4827% | 3,848 |
| Noninterest income to average assets | 0.8563% | 1,981 |
| Noninterest expense to average assets | 2.7149% | 3,978 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0942% | 1,943 |
| Return on assets (ROA) | 1.0789% | 2,115 |
| Pretax return on assets | 1.3375% | 2,166 |
| Return on Equity (ROE) | 11.5792% | 1,610 |
| Retained earnings to average equity (ytd only) | 11.5792% | 553 |
| Net charge-offs to loans | -0.0352% | 6,139 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6822% | 4,414 |
| Assets per employee ($millions) | 4.0110% | 3,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8751% | 2,183 |
| Loan loss allowance to noncurrent loans | 17,980.0000% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0518% | 6,349 |
| Noncurrent loans to loans | 0.0104% | 6,404 |
| Net loans and leases to total assets | 55.8541% | 4,322 |
| Net loans and leases to deposits | 65.0117% | 4,375 |
| Net loans and leases to core deposits | 70.1584% | 4,260 |
| Total domestic deposits to total assets | 85.9138% | 3,417 |
| Equity capital to assets | 9.4861% | 4,597 |
| Core capital (leverage) ratio | 9.3286% | 4,496 |
| Tier 1 risk-based capital ratio | 14.7916% | 3,913 |
| Total risk-based capital ratio | 16.0624% | 3,869 |
| Memoranda: | ||
| Average total assets | $421,371,000 | 1,580 |
| Average earning assets | $389,010,000 | 1,560 |
| Average equity | $39,260,000 | 1,787 |
| Average total loans | $238,864,670 | 1,733 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9231% | 4,393 |
| Cost of funding earning assets | 0.4220% | 4,893 |
| Net interest margin | 3.5012% | 3,691 |
| Noninterest income to average assets | 0.9357% | 1,647 |
| Noninterest expense to average assets | 2.7456% | 3,899 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1457% | 1,696 |
| Return on assets (ROA) | 1.0980% | 1,969 |
| Pretax return on assets | 1.3600% | 2,010 |
| Return on Equity (ROE) | 11.8927% | 1,455 |
| Retained earnings to average equity (ytd only) | 11.8927% | 718 |
| Net charge-offs to loans | -0.1225% | 6,526 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9298% | 4,675 |
| Assets per employee ($millions) | 4.1296% | 3,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8853% | 2,348 |
| Loan loss allowance to noncurrent loans | 32,328.5714% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.1115% | 6,241 |
| Noncurrent loans to loans | 0.0058% | 6,495 |
| Net loans and leases to total assets | 54.8418% | 4,268 |
| Net loans and leases to deposits | 63.8356% | 4,334 |
| Net loans and leases to core deposits | 69.0914% | 4,176 |
| Total domestic deposits to total assets | 85.9110% | 3,575 |
| Equity capital to assets | 9.5862% | 4,728 |
| Core capital (leverage) ratio | 9.1180% | 4,693 |
| Tier 1 risk-based capital ratio | 14.4713% | 4,196 |
| Total risk-based capital ratio | 15.7501% | 4,143 |
| Memoranda: | ||
| Average total assets | $421,481,000 | 1,594 |
| Average earning assets | $388,667,500 | 1,574 |
| Average equity | $38,914,500 | 1,821 |
| Average total loans | $238,434,500 | 1,738 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2768% | 4,288 |
| Cost of funding earning assets | 0.6161% | 4,209 |
| Net interest margin | 3.6607% | 3,825 |
| Noninterest income to average assets | 0.8764% | 1,942 |
| Noninterest expense to average assets | 3.1144% | 2,889 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9113% | 2,760 |
| Return on assets (ROA) | 0.9113% | 3,000 |
| Pretax return on assets | 1.1118% | 3,116 |
| Return on Equity (ROE) | 9.4792% | 2,414 |
| Retained earnings to average equity (ytd only) | -4.6689% | 6,402 |
| Net charge-offs to loans | 0.1574% | 4,124 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 12.4199% | 1,927 |
| Efficiency ratio | 73.6922% | 3,114 |
| Assets per employee ($millions) | 3.9007% | 4,153 |
| Cash dividends to net income (ytd only)* | 149.2537% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8804% | 2,352 |
| Loan loss allowance to noncurrent loans | 299.6635% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.6102% | 4,953 |
| Noncurrent loans to loans | 0.6275% | 4,952 |
| Net loans and leases to total assets | 56.1949% | 4,255 |
| Net loans and leases to deposits | 65.0398% | 4,418 |
| Net loans and leases to core deposits | 70.7980% | 4,192 |
| Total domestic deposits to total assets | 86.4008% | 3,154 |
| Equity capital to assets | 8.8657% | 5,669 |
| Core capital (leverage) ratio | 8.2364% | 5,956 |
| Tier 1 risk-based capital ratio | 12.5979% | 5,401 |
| Total risk-based capital ratio | 13.8761% | 5,328 |
| Memoranda: | ||
| Average total assets | $404,385,800 | 1,624 |
| Average earning assets | $370,040,600 | 1,615 |
| Average equity | $38,874,400 | 1,783 |
| Average total loans | $230,060,200 | 1,774 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3188% | 4,377 |
| Cost of funding earning assets | 0.6671% | 4,042 |
| Net interest margin | 3.6517% | 4,002 |
| Noninterest income to average assets | 0.8923% | 1,858 |
| Noninterest expense to average assets | 3.0637% | 3,002 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9410% | 2,791 |
| Return on assets (ROA) | 0.9410% | 3,014 |
| Pretax return on assets | 1.1648% | 3,112 |
| Return on Equity (ROE) | 9.5969% | 2,544 |
| Retained earnings to average equity (ytd only) | 7.9061% | 1,651 |
| Net charge-offs to loans | 0.1827% | 3,655 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 11.2237% | 2,093 |
| Efficiency ratio | 72.4535% | 3,242 |
| Assets per employee ($millions) | 3.8282% | 4,237 |
| Cash dividends to net income (ytd only)* | 17.6180% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9222% | 2,409 |
| Loan loss allowance to noncurrent loans | 9,578.7234% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.2570% | 6,054 |
| Noncurrent loans to loans | 0.0201% | 6,593 |
| Net loans and leases to total assets | 56.6082% | 4,362 |
| Net loans and leases to deposits | 67.7571% | 4,222 |
| Net loans and leases to core deposits | 74.1072% | 3,965 |
| Total domestic deposits to total assets | 83.5459% | 4,414 |
| Equity capital to assets | 10.1607% | 4,258 |
| Core capital (leverage) ratio | 9.1823% | 4,793 |
| Tier 1 risk-based capital ratio | 14.2737% | 4,341 |
| Total risk-based capital ratio | 15.5537% | 4,292 |
| Memoranda: | ||
| Average total assets | $402,112,500 | 1,640 |
| Average earning assets | $367,377,500 | 1,644 |
| Average equity | $39,428,500 | 1,780 |
| Average total loans | $228,373,500 | 1,797 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3753% | 4,280 |
| Cost of funding earning assets | 0.6907% | 4,088 |
| Net interest margin | 3.6846% | 3,901 |
| Noninterest income to average assets | 0.8222% | 2,088 |
| Noninterest expense to average assets | 2.9320% | 3,504 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9908% | 2,502 |
| Return on assets (ROA) | 0.9908% | 2,731 |
| Pretax return on assets | 1.2462% | 2,739 |
| Return on Equity (ROE) | 10.2298% | 2,270 |
| Retained earnings to average equity (ytd only) | 10.2298% | 912 |
| Net charge-offs to loans | 0.1979% | 3,399 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 11.1518% | 1,988 |
| Efficiency ratio | 70.1731% | 3,741 |
| Assets per employee ($millions) | 3.8122% | 4,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0102% | 2,200 |
| Loan loss allowance to noncurrent loans | 447.0302% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.5142% | 5,477 |
| Noncurrent loans to loans | 0.4497% | 5,635 |
| Net loans and leases to total assets | 55.3807% | 4,566 |
| Net loans and leases to deposits | 65.8890% | 4,521 |
| Net loans and leases to core deposits | 72.5451% | 4,237 |
| Total domestic deposits to total assets | 84.0515% | 4,301 |
| Equity capital to assets | 9.9724% | 4,373 |
| Core capital (leverage) ratio | 9.1599% | 4,671 |
| Tier 1 risk-based capital ratio | 14.4212% | 4,157 |
| Total risk-based capital ratio | 15.7012% | 4,102 |
| Memoranda: | ||
| Average total assets | $400,887,000 | 1,645 |
| Average earning assets | $365,144,000 | 1,652 |
| Average equity | $38,827,670 | 1,790 |
| Average total loans | $226,427,330 | 1,802 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4116% | 4,284 |
| Cost of funding earning assets | 0.7320% | 4,010 |
| Net interest margin | 3.6797% | 3,925 |
| Noninterest income to average assets | 0.8074% | 2,132 |
| Noninterest expense to average assets | 2.9463% | 3,460 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9637% | 2,622 |
| Return on assets (ROA) | 0.9637% | 2,820 |
| Pretax return on assets | 1.2102% | 2,877 |
| Return on Equity (ROE) | 10.1017% | 2,368 |
| Retained earnings to average equity (ytd only) | 10.1017% | 1,244 |
| Net charge-offs to loans | 0.2342% | 2,757 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 9.1515% | 1,876 |
| Efficiency ratio | 70.8846% | 3,643 |
| Assets per employee ($millions) | 3.8571% | 4,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0666% | 2,178 |
| Loan loss allowance to noncurrent loans | 415.1596% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.5246% | 5,555 |
| Noncurrent loans to loans | 0.4978% | 5,680 |
| Net loans and leases to total assets | 54.2779% | 4,677 |
| Net loans and leases to deposits | 64.0529% | 4,630 |
| Net loans and leases to core deposits | 70.7398% | 4,329 |
| Total domestic deposits to total assets | 84.7393% | 4,149 |
| Equity capital to assets | 9.4239% | 4,913 |
| Core capital (leverage) ratio | 9.1313% | 4,635 |
| Tier 1 risk-based capital ratio | 14.0683% | 4,421 |
| Total risk-based capital ratio | 15.3468% | 4,369 |
| Memoranda: | ||
| Average total assets | $399,283,500 | 1,660 |
| Average earning assets | $363,402,500 | 1,669 |
| Average equity | $38,092,500 | 1,829 |
| Average total loans | $225,450,500 | 1,820 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8013% | 3,804 |
| Cost of funding earning assets | 0.9090% | 4,059 |
| Net interest margin | 3.8923% | 3,367 |
| Noninterest income to average assets | 0.4943% | 3,888 |
| Noninterest expense to average assets | 2.9702% | 3,702 |
| Loan and lease loss provision to assets | 0.4758% | 2,226 |
| Net operating income to assets | 0.4642% | 4,567 |
| Return on assets (ROA) | 0.6897% | 3,722 |
| Pretax return on assets | 0.8377% | 3,834 |
| Return on Equity (ROE) | 7.3636% | 3,213 |
| Retained earnings to average equity (ytd only) | 7.3636% | 1,335 |
| Net charge-offs to loans | 1.0201% | 1,712 |
| Credit loss provision to net charge-offs | 74.4417% | 4,690 |
| Earnings coverage of net charge-offs (x) | 1.6249% | 4,553 |
| Efficiency ratio | 74.0917% | 3,223 |
| Assets per employee ($millions) | 3.8207% | 4,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1467% | 1,899 |
| Loan loss allowance to noncurrent loans | 363.6707% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.6433% | 5,370 |
| Noncurrent loans to loans | 0.5903% | 5,535 |
| Net loans and leases to total assets | 56.3198% | 4,646 |
| Net loans and leases to deposits | 66.7988% | 4,625 |
| Net loans and leases to core deposits | 74.2608% | 4,201 |
| Total domestic deposits to total assets | 84.3126% | 4,178 |
| Equity capital to assets | 9.6622% | 4,657 |
| Core capital (leverage) ratio | 9.2303% | 4,424 |
| Tier 1 risk-based capital ratio | 14.0056% | 4,322 |
| Total risk-based capital ratio | 15.2843% | 4,257 |
| Memoranda: | ||
| Average total assets | $378,294,600 | 1,716 |
| Average earning assets | $341,573,400 | 1,742 |
| Average equity | $35,430,800 | 1,908 |
| Average total loans | $237,032,200 | 1,770 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8884% | 3,616 |
| Cost of funding earning assets | 0.9539% | 4,013 |
| Net interest margin | 3.9345% | 3,212 |
| Noninterest income to average assets | 0.3786% | 4,829 |
| Noninterest expense to average assets | 3.0037% | 3,543 |
| Loan and lease loss provision to assets | 0.4794% | 2,071 |
| Net operating income to assets | 0.3634% | 5,149 |
| Return on assets (ROA) | 0.6662% | 3,966 |
| Pretax return on assets | 0.8111% | 4,087 |
| Return on Equity (ROE) | 7.1722% | 3,441 |
| Retained earnings to average equity (ytd only) | 7.1722% | 1,878 |
| Net charge-offs to loans | 0.6250% | 2,377 |
| Credit loss provision to net charge-offs | 119.8934% | 2,714 |
| Earnings coverage of net charge-offs (x) | 2.3037% | 3,979 |
| Efficiency ratio | 76.5291% | 2,760 |
| Assets per employee ($millions) | 3.7860% | 4,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4293% | 1,491 |
| Loan loss allowance to noncurrent loans | 276.8967% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.9046% | 4,926 |
| Noncurrent loans to loans | 0.8773% | 5,103 |
| Net loans and leases to total assets | 59.4192% | 4,249 |
| Net loans and leases to deposits | 70.7229% | 4,182 |
| Net loans and leases to core deposits | 79.6344% | 3,695 |
| Total domestic deposits to total assets | 84.0168% | 4,224 |
| Equity capital to assets | 9.6297% | 4,892 |
| Core capital (leverage) ratio | 9.2328% | 4,569 |
| Tier 1 risk-based capital ratio | 13.4928% | 4,737 |
| Total risk-based capital ratio | 14.7708% | 4,688 |
| Memoranda: | ||
| Average total assets | $375,439,750 | 1,735 |
| Average earning assets | $338,401,250 | 1,764 |
| Average equity | $34,874,750 | 1,932 |
| Average total loans | $240,215,000 | 1,756 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9651% | 3,331 |
| Cost of funding earning assets | 1.0095% | 3,892 |
| Net interest margin | 3.9556% | 3,066 |
| Noninterest income to average assets | 0.4578% | 4,219 |
| Noninterest expense to average assets | 3.0505% | 3,429 |
| Loan and lease loss provision to assets | 0.4824% | 2,044 |
| Net operating income to assets | 0.3987% | 4,954 |
| Return on assets (ROA) | 0.6475% | 3,940 |
| Pretax return on assets | 0.7885% | 4,078 |
| Return on Equity (ROE) | 7.0591% | 3,424 |
| Retained earnings to average equity (ytd only) | 7.0591% | 1,855 |
| Net charge-offs to loans | 0.4714% | 2,692 |
| Credit loss provision to net charge-offs | 157.3427% | 1,937 |
| Earnings coverage of net charge-offs (x) | 3.1556% | 3,283 |
| Efficiency ratio | 75.9205% | 3,022 |
| Assets per employee ($millions) | 3.6507% | 4,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4561% | 1,516 |
| Loan loss allowance to noncurrent loans | 181.7924% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 1.5799% | 3,829 |
| Noncurrent loans to loans | 1.3511% | 4,396 |
| Net loans and leases to total assets | 61.4431% | 4,001 |
| Net loans and leases to deposits | 72.0530% | 4,104 |
| Net loans and leases to core deposits | 81.4382% | 3,593 |
| Total domestic deposits to total assets | 85.2748% | 3,737 |
| Equity capital to assets | 9.5000% | 4,815 |
| Core capital (leverage) ratio | 8.9057% | 4,869 |
| Tier 1 risk-based capital ratio | 12.9956% | 4,919 |
| Total risk-based capital ratio | 14.2743% | 4,878 |
| Memoranda: | ||
| Average total assets | $373,123,000 | 1,756 |
| Average earning assets | $335,824,330 | 1,781 |
| Average equity | $34,225,330 | 1,948 |
| Average total loans | $242,663,330 | 1,759 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9325% | 3,401 |
| Cost of funding earning assets | 1.0315% | 3,982 |
| Net interest margin | 3.9010% | 3,133 |
| Noninterest income to average assets | 0.7882% | 2,077 |
| Noninterest expense to average assets | 3.1604% | 3,024 |
| Loan and lease loss provision to assets | 0.4819% | 1,831 |
| Net operating income to assets | 0.5466% | 4,285 |
| Return on assets (ROA) | 0.6008% | 4,094 |
| Pretax return on assets | 0.7229% | 4,208 |
| Return on Equity (ROE) | 6.6685% | 3,549 |
| Retained earnings to average equity (ytd only) | 6.6685% | 2,296 |
| Net charge-offs to loans | 0.4702% | 2,294 |
| Credit loss provision to net charge-offs | 155.1724% | 1,850 |
| Earnings coverage of net charge-offs (x) | 3.6690% | 2,671 |
| Efficiency ratio | 73.4994% | 3,609 |
| Assets per employee ($millions) | 3.6267% | 4,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3085% | 1,747 |
| Loan loss allowance to noncurrent loans | 177.1058% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 1.6931% | 3,714 |
| Noncurrent loans to loans | 1.3034% | 4,522 |
| Net loans and leases to total assets | 62.7521% | 3,707 |
| Net loans and leases to deposits | 73.9508% | 3,763 |
| Net loans and leases to core deposits | 84.3429% | 3,123 |
| Total domestic deposits to total assets | 84.8566% | 4,106 |
| Equity capital to assets | 9.0119% | 5,190 |
| Core capital (leverage) ratio | 8.7271% | 5,042 |
| Tier 1 risk-based capital ratio | 12.2140% | 5,504 |
| Total risk-based capital ratio | 13.4865% | 5,490 |
| Memoranda: | ||
| Average total assets | $373,500,000 | 1,765 |
| Average earning assets | $336,220,500 | 1,786 |
| Average equity | $33,650,500 | 1,958 |
| Average total loans | $246,717,000 | 1,745 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2446% | 3,391 |
| Cost of funding earning assets | 1.3566% | 3,527 |
| Net interest margin | 3.8880% | 3,547 |
| Noninterest income to average assets | 0.8003% | 2,282 |
| Noninterest expense to average assets | 3.1682% | 3,198 |
| Loan and lease loss provision to assets | 0.6066% | 2,707 |
| Net operating income to assets | 0.4686% | 4,234 |
| Return on assets (ROA) | 0.4980% | 4,263 |
| Pretax return on assets | 0.5759% | 4,400 |
| Return on Equity (ROE) | 5.8077% | 3,696 |
| Retained earnings to average equity (ytd only) | 5.8077% | 1,933 |
| Net charge-offs to loans | 0.5969% | 3,242 |
| Credit loss provision to net charge-offs | 144.6125% | 2,565 |
| Earnings coverage of net charge-offs (x) | 2.7379% | 3,707 |
| Efficiency ratio | 73.3958% | 3,505 |
| Assets per employee ($millions) | 3.4563% | 5,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1632% | 1,937 |
| Loan loss allowance to noncurrent loans | 162.4215% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 1.7774% | 3,649 |
| Noncurrent loans to loans | 1.3319% | 4,494 |
| Net loans and leases to total assets | 66.4430% | 3,371 |
| Net loans and leases to deposits | 78.5178% | 3,430 |
| Net loans and leases to core deposits | 91.0553% | 2,612 |
| Total domestic deposits to total assets | 84.6217% | 4,048 |
| Equity capital to assets | 9.0071% | 5,134 |
| Core capital (leverage) ratio | 8.3913% | 5,553 |
| Tier 1 risk-based capital ratio | 11.7111% | 5,719 |
| Total risk-based capital ratio | 12.9823% | 5,704 |
| Memoranda: | ||
| Average total assets | $378,349,800 | 1,742 |
| Average earning assets | $342,183,200 | 1,749 |
| Average equity | $32,439,600 | 2,024 |
| Average total loans | $265,887,800 | 1,673 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2665% | 3,504 |
| Cost of funding earning assets | 1.4207% | 3,454 |
| Net interest margin | 3.8459% | 3,769 |
| Noninterest income to average assets | 0.8053% | 2,207 |
| Noninterest expense to average assets | 3.1472% | 3,120 |
| Loan and lease loss provision to assets | 0.6539% | 2,333 |
| Net operating income to assets | 0.4390% | 4,592 |
| Return on assets (ROA) | 0.4797% | 4,602 |
| Pretax return on assets | 0.5337% | 4,815 |
| Return on Equity (ROE) | 5.6647% | 3,976 |
| Retained earnings to average equity (ytd only) | 5.6647% | 2,558 |
| Net charge-offs to loans | 0.6227% | 2,881 |
| Credit loss provision to net charge-offs | 148.2129% | 2,642 |
| Earnings coverage of net charge-offs (x) | 2.5894% | 3,856 |
| Efficiency ratio | 73.3682% | 3,448 |
| Assets per employee ($millions) | 3.4753% | 5,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0764% | 2,056 |
| Loan loss allowance to noncurrent loans | 163.1080% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 1.8338% | 3,699 |
| Noncurrent loans to loans | 1.2730% | 4,729 |
| Net loans and leases to total assets | 67.6232% | 3,302 |
| Net loans and leases to deposits | 80.4880% | 3,360 |
| Net loans and leases to core deposits | 94.8433% | 2,406 |
| Total domestic deposits to total assets | 84.0165% | 4,121 |
| Equity capital to assets | 9.1179% | 5,423 |
| Core capital (leverage) ratio | 8.2802% | 5,909 |
| Tier 1 risk-based capital ratio | 11.1812% | 6,210 |
| Total risk-based capital ratio | 12.4581% | 6,178 |
| Memoranda: | ||
| Average total assets | $380,482,500 | 1,750 |
| Average earning assets | $344,709,000 | 1,757 |
| Average equity | $32,222,000 | 2,056 |
| Average total loans | $269,571,750 | 1,670 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2281% | 3,811 |
| Cost of funding earning assets | 1.4928% | 3,296 |
| Net interest margin | 3.7353% | 4,212 |
| Noninterest income to average assets | 0.7648% | 2,304 |
| Noninterest expense to average assets | 3.0655% | 3,445 |
| Loan and lease loss provision to assets | 0.4721% | 2,954 |
| Net operating income to assets | 0.5249% | 4,218 |
| Return on assets (ROA) | 0.5718% | 4,131 |
| Pretax return on assets | 0.6772% | 4,321 |
| Return on Equity (ROE) | 6.9233% | 3,341 |
| Retained earnings to average equity (ytd only) | 6.9233% | 1,874 |
| Net charge-offs to loans | 0.4704% | 3,124 |
| Credit loss provision to net charge-offs | 140.5280% | 2,847 |
| Earnings coverage of net charge-offs (x) | 3.2547% | 3,395 |
| Efficiency ratio | 73.7080% | 3,528 |
| Assets per employee ($millions) | 3.4211% | 5,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8652% | 2,524 |
| Loan loss allowance to noncurrent loans | 107.5264% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 2.2202% | 3,236 |
| Noncurrent loans to loans | 1.7346% | 4,082 |
| Net loans and leases to total assets | 69.0819% | 3,110 |
| Net loans and leases to deposits | 82.9374% | 3,088 |
| Net loans and leases to core deposits | 100.9653% | 1,922 |
| Total domestic deposits to total assets | 83.2941% | 4,440 |
| Equity capital to assets | 8.6845% | 5,906 |
| Core capital (leverage) ratio | 8.0556% | 6,189 |
| Tier 1 risk-based capital ratio | 10.6581% | 6,556 |
| Total risk-based capital ratio | 11.9262% | 6,541 |
| Memoranda: | ||
| Average total assets | $383,359,000 | 1,752 |
| Average earning assets | $348,350,000 | 1,754 |
| Average equity | $31,661,000 | 2,086 |
| Average total loans | $273,832,000 | 1,670 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1914% | 4,071 |
| Cost of funding earning assets | 1.5844% | 3,048 |
| Net interest margin | 3.6070% | 4,697 |
| Noninterest income to average assets | 0.7000% | 2,606 |
| Noninterest expense to average assets | 3.0408% | 3,522 |
| Loan and lease loss provision to assets | 0.5971% | 2,125 |
| Net operating income to assets | 0.3178% | 5,218 |
| Return on assets (ROA) | 0.3967% | 4,998 |
| Pretax return on assets | 0.4196% | 5,231 |
| Return on Equity (ROE) | 4.9287% | 4,401 |
| Retained earnings to average equity (ytd only) | 4.9287% | 3,190 |
| Net charge-offs to loans | 0.4475% | 2,711 |
| Credit loss provision to net charge-offs | 185.4839% | 1,977 |
| Earnings coverage of net charge-offs (x) | 2.9000% | 3,101 |
| Efficiency ratio | 76.5090% | 3,130 |
| Assets per employee ($millions) | 3.4742% | 5,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8419% | 2,604 |
| Loan loss allowance to noncurrent loans | 97.4229% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 2.4583% | 2,953 |
| Noncurrent loans to loans | 1.8907% | 3,935 |
| Net loans and leases to total assets | 70.2229% | 2,877 |
| Net loans and leases to deposits | 84.9781% | 2,776 |
| Net loans and leases to core deposits | 105.1333% | 1,647 |
| Total domestic deposits to total assets | 82.6364% | 4,784 |
| Equity capital to assets | 8.2568% | 6,358 |
| Core capital (leverage) ratio | 7.6511% | 6,677 |
| Tier 1 risk-based capital ratio | 10.0057% | 7,033 |
| Total risk-based capital ratio | 11.2737% | 7,011 |
| Memoranda: | ||
| Average total assets | $385,166,000 | 1,794 |
| Average earning assets | $349,656,000 | 1,786 |
| Average equity | $31,002,000 | 2,144 |
| Average total loans | $277,087,500 | 1,696 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5298% | 3,989 |
| Cost of funding earning assets | 1.9621% | 3,140 |
| Net interest margin | 3.5677% | 4,665 |
| Noninterest income to average assets | 0.7087% | 2,907 |
| Noninterest expense to average assets | 2.8913% | 4,561 |
| Loan and lease loss provision to assets | 1.3229% | 1,740 |
| Net operating income to assets | -0.0221% | 5,533 |
| Return on assets (ROA) | 0.0411% | 5,415 |
| Pretax return on assets | -0.1356% | 5,628 |
| Return on Equity (ROE) | 0.5366% | 5,374 |
| Retained earnings to average equity (ytd only) | 0.5366% | 4,606 |
| Net charge-offs to loans | 2.8820% | 755 |
| Credit loss provision to net charge-offs | 60.8481% | 6,629 |
| Earnings coverage of net charge-offs (x) | 0.5006% | 5,610 |
| Efficiency ratio | 72.6497% | 4,158 |
| Assets per employee ($millions) | 3.6603% | 4,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6681% | 3,014 |
| Loan loss allowance to noncurrent loans | 80.8798% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 2.5467% | 2,748 |
| Noncurrent loans to loans | 2.0624% | 3,571 |
| Net loans and leases to total assets | 71.1193% | 2,966 |
| Net loans and leases to deposits | 86.7295% | 2,794 |
| Net loans and leases to core deposits | 111.9593% | 2,701 |
| Total domestic deposits to total assets | 82.0012% | 4,947 |
| Equity capital to assets | 7.8481% | 6,720 |
| Core capital (leverage) ratio | 7.2857% | 6,999 |
| Tier 1 risk-based capital ratio | 9.5046% | 7,222 |
| Total risk-based capital ratio | 10.7694% | 7,187 |
| Memoranda: | ||
| Average total assets | $391,550,200 | 1,756 |
| Average earning assets | $358,997,200 | 1,746 |
| Average equity | $30,002,800 | 2,229 |
| Average total loans | $295,390,200 | 1,626 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5975% | 3,876 |
| Cost of funding earning assets | 2.0244% | 3,238 |
| Net interest margin | 3.5730% | 4,578 |
| Noninterest income to average assets | 0.6971% | 3,033 |
| Noninterest expense to average assets | 2.8629% | 4,599 |
| Loan and lease loss provision to assets | 1.3683% | 1,408 |
| Net operating income to assets | -0.0347% | 5,771 |
| Return on assets (ROA) | 0.0494% | 5,640 |
| Pretax return on assets | -0.1216% | 5,871 |
| Return on Equity (ROE) | 0.6483% | 5,594 |
| Retained earnings to average equity (ytd only) | 0.6483% | 4,921 |
| Net charge-offs to loans | 3.3692% | 454 |
| Credit loss provision to net charge-offs | 53.2821% | 6,266 |
| Earnings coverage of net charge-offs (x) | 0.4343% | 5,597 |
| Efficiency ratio | 71.9654% | 4,246 |
| Assets per employee ($millions) | 3.6487% | 4,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5654% | 3,144 |
| Loan loss allowance to noncurrent loans | 60.0662% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 3.0610% | 2,249 |
| Noncurrent loans to loans | 2.6061% | 2,896 |
| Net loans and leases to total assets | 73.7322% | 2,612 |
| Net loans and leases to deposits | 90.2426% | 2,532 |
| Net loans and leases to core deposits | 116.8652% | 2,538 |
| Total domestic deposits to total assets | 81.7044% | 4,805 |
| Equity capital to assets | 7.9940% | 6,852 |
| Core capital (leverage) ratio | 7.4430% | 7,040 |
| Tier 1 risk-based capital ratio | 9.6730% | 7,260 |
| Total risk-based capital ratio | 10.9356% | 7,205 |
| Memoranda: | ||
| Average total assets | $391,525,500 | 1,770 |
| Average earning assets | $359,535,500 | 1,753 |
| Average equity | $29,819,250 | 2,268 |
| Average total loans | $298,422,000 | 1,629 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5370% | 4,401 |
| Cost of funding earning assets | 2.0413% | 3,569 |
| Net interest margin | 3.4957% | 4,817 |
| Noninterest income to average assets | 0.6884% | 3,068 |
| Noninterest expense to average assets | 2.8572% | 4,698 |
| Loan and lease loss provision to assets | 0.2569% | 4,521 |
| Net operating income to assets | 0.6434% | 3,490 |
| Return on assets (ROA) | 0.7784% | 3,040 |
| Pretax return on assets | 0.9845% | 3,068 |
| Return on Equity (ROE) | 10.3894% | 1,889 |
| Retained earnings to average equity (ytd only) | 10.3894% | 652 |
| Net charge-offs to loans | 2.2215% | 819 |
| Credit loss provision to net charge-offs | 15.0881% | 6,160 |
| Earnings coverage of net charge-offs (x) | 0.6286% | 5,077 |
| Efficiency ratio | 72.7461% | 4,259 |
| Assets per employee ($millions) | 3.7781% | 4,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7093% | 2,307 |
| Loan loss allowance to noncurrent loans | 38.2041% | 5,863 |
| Noncurrent assets plus other real estate owned to assets | 3.5759% | 1,743 |
| Noncurrent loans to loans | 4.4741% | 1,441 |
| Net loans and leases to total assets | 74.8953% | 2,469 |
| Net loans and leases to deposits | 92.3626% | 2,401 |
| Net loans and leases to core deposits | 119.7415% | 2,394 |
| Total domestic deposits to total assets | 81.0883% | 5,046 |
| Equity capital to assets | 7.5928% | 7,183 |
| Core capital (leverage) ratio | 7.5103% | 6,996 |
| Tier 1 risk-based capital ratio | 9.3667% | 7,498 |
| Total risk-based capital ratio | 10.6271% | 7,465 |
| Memoranda: | ||
| Average total assets | $393,112,000 | 1,787 |
| Average earning assets | $364,274,000 | 1,761 |
| Average equity | $29,453,000 | 2,310 |
| Average total loans | $301,327,330 | 1,644 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6600% | 3,995 |
| Cost of funding earning assets | 2.1261% | 3,530 |
| Net interest margin | 3.5339% | 4,597 |
| Noninterest income to average assets | 0.6358% | 3,303 |
| Noninterest expense to average assets | 2.7302% | 4,872 |
| Loan and lease loss provision to assets | 0.1931% | 4,503 |
| Net operating income to assets | 0.7757% | 3,231 |
| Return on assets (ROA) | 0.8114% | 3,242 |
| Pretax return on assets | 1.0323% | 3,240 |
| Return on Equity (ROE) | 10.9058% | 1,997 |
| Retained earnings to average equity (ytd only) | 10.9058% | 993 |
| Net charge-offs to loans | 4.1174% | 290 |
| Credit loss provision to net charge-offs | 6.0999% | 5,222 |
| Earnings coverage of net charge-offs (x) | 0.3728% | 4,680 |
| Efficiency ratio | 69.8188% | 4,622 |
| Assets per employee ($millions) | 3.6761% | 4,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7284% | 2,047 |
| Loan loss allowance to noncurrent loans | 53.4963% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 2.6229% | 2,188 |
| Noncurrent loans to loans | 3.2309% | 1,996 |
| Net loans and leases to total assets | 74.6452% | 2,587 |
| Net loans and leases to deposits | 92.2965% | 2,547 |
| Net loans and leases to core deposits | 118.1296% | 2,585 |
| Total domestic deposits to total assets | 80.8754% | 5,017 |
| Equity capital to assets | 7.6707% | 7,204 |
| Core capital (leverage) ratio | 7.4627% | 7,199 |
| Tier 1 risk-based capital ratio | 9.3064% | 7,583 |
| Total risk-based capital ratio | 10.5646% | 7,551 |
| Memoranda: | ||
| Average total assets | $389,426,500 | 1,806 |
| Average earning assets | $360,849,000 | 1,787 |
| Average equity | $28,975,500 | 2,349 |
| Average total loans | $299,411,500 | 1,671 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1786% | 4,623 |
| Cost of funding earning assets | 2.6848% | 3,231 |
| Net interest margin | 3.4938% | 5,314 |
| Noninterest income to average assets | 0.6059% | 3,801 |
| Noninterest expense to average assets | 2.7051% | 5,244 |
| Loan and lease loss provision to assets | 2.0328% | 587 |
| Net operating income to assets | -0.4716% | 6,899 |
| Return on assets (ROA) | -0.4824% | 6,788 |
| Pretax return on assets | -0.9081% | 6,945 |
| Return on Equity (ROE) | -6.0341% | 6,963 |
| Retained earnings to average equity (ytd only) | -9.3153% | 7,006 |
| Net charge-offs to loans | 0.9332% | 1,324 |
| Credit loss provision to net charge-offs | 283.4674% | 1,608 |
| Earnings coverage of net charge-offs (x) | 1.5918% | 5,297 |
| Efficiency ratio | 70.3239% | 4,285 |
| Assets per employee ($millions) | 3.6715% | 4,233 |
| Cash dividends to net income (ytd only)* | -54.3774% | 8,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6856% | 567 |
| Loan loss allowance to noncurrent loans | 93.5020% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 2.3999% | 2,023 |
| Noncurrent loans to loans | 2.8722% | 1,879 |
| Net loans and leases to total assets | 75.7411% | 2,696 |
| Net loans and leases to deposits | 92.0933% | 3,118 |
| Net loans and leases to core deposits | 119.7907% | 2,709 |
| Total domestic deposits to total assets | 82.2439% | 4,102 |
| Equity capital to assets | 7.2057% | 7,622 |
| Core capital (leverage) ratio | 6.9242% | 7,742 |
| Tier 1 risk-based capital ratio | 8.8150% | 7,895 |
| Total risk-based capital ratio | 10.0816% | 7,933 |
| Memoranda: | ||
| Average total assets | $381,245,800 | 1,772 |
| Average earning assets | $353,621,800 | 1,749 |
| Average equity | $30,476,600 | 2,220 |
| Average total loans | $292,983,200 | 1,650 |