Home > Tioga State Bank > Performance and Condition Ratios
Tioga State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0344% | 14 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 170,115.0000% | 11 |
| Cost of funding earning assets | 1,381.0000% | 7 |
| Net interest margin | 0.0000% | 4,558 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 0.8020% | 2,845 |
| Pretax return on assets | 1.0141% | 2,642 |
| Return on Equity (ROE) | 7.8600% | 3,066 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0029% | 2,685 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 0.1677% | 2,820 |
| Efficiency ratio | 7.0496% | 4,558 |
| Assets per employee ($millions) | 0.0230% | 4,572 |
| Cash dividends to net income (ytd only)* | 10.0000% | 3,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| 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 | 0.0000% | 4,475 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 5,373.0000% | 21 |
| Total domestic deposits to total assets | 74.0000% | 4,104 |
| Equity capital to assets | 1,346.0000% | 44 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,428,000 | 4,600 |
| Average earning assets | $5,688 | 4,569 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9141% | 2,030 |
| Cost of funding earning assets | 0.7431% | 3,665 |
| Net interest margin | 4.1710% | 960 |
| Noninterest income to average assets | 0.6800% | 1,252 |
| Noninterest expense to average assets | 3.0580% | 980 |
| Loan and lease loss provision to assets | 0.2700% | 361 |
| Net operating income to assets | 0.9735% | 2,438 |
| Return on assets (ROA) | 0.9735% | 2,433 |
| Pretax return on assets | 1.2122% | 2,271 |
| Return on Equity (ROE) | 9.6000% | 2,766 |
| Retained earnings to average equity (ytd only) | 4.1128% | 3,230 |
| Net charge-offs to loans | 0.2360% | 377 |
| Credit loss provision to net charge-offs | 172.1519% | 1,223 |
| Earnings coverage of net charge-offs (x) | 9.6709% | 2,159 |
| Efficiency ratio | 67.4131% | 2,088 |
| Assets per employee ($millions) | 5.3499% | 3,302 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6881% | 719 |
| Loan loss allowance to noncurrent loans | 181.7507% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.6057% | 973 |
| Noncurrent loans to loans | 0.9288% | 885 |
| Net loans and leases to total assets | 64.1100% | 2,435 |
| Net loans and leases to deposits | 74.0438% | 2,558 |
| Net loans and leases to core deposits | 76.1715% | 2,853 |
| Total domestic deposits to total assets | 86.5900% | 2,017 |
| Equity capital to assets | 9.8273% | 1,922 |
| Core capital (leverage) ratio | 11.7729% | 1,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6780% | 641 |
| Memoranda: | ||
| Average total assets | $551,275,500 | 1,607 |
| Average earning assets | $510,115,500 | 1,600 |
| Average equity | $55,921,000 | 1,455 |
| Average total loans | $357,101,750 | 1,588 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8358% | 1,913 |
| Cost of funding earning assets | 0.6870% | 3,522 |
| Net interest margin | 4.1488% | 1,008 |
| Noninterest income to average assets | 0.6800% | 1,182 |
| Noninterest expense to average assets | 3.0431% | 973 |
| Loan and lease loss provision to assets | 0.3700% | 233 |
| Net operating income to assets | 0.8563% | 2,901 |
| Return on assets (ROA) | 0.8563% | 2,901 |
| Pretax return on assets | 1.1201% | 2,587 |
| Return on Equity (ROE) | 8.3500% | 3,153 |
| Retained earnings to average equity (ytd only) | 8.3535% | 1,861 |
| Net charge-offs to loans | 0.3536% | 240 |
| Credit loss provision to net charge-offs | 156.2102% | 1,175 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 2,119 |
| Efficiency ratio | 67.1970% | 2,083 |
| Assets per employee ($millions) | 5.4872% | 3,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6791% | 782 |
| Loan loss allowance to noncurrent loans | 173.7951% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 0.6252% | 854 |
| Noncurrent loans to loans | 0.9662% | 779 |
| Net loans and leases to total assets | 63.6200% | 2,419 |
| Net loans and leases to deposits | 75.0125% | 2,405 |
| Net loans and leases to core deposits | 77.2132% | 2,673 |
| Total domestic deposits to total assets | 84.8200% | 2,594 |
| Equity capital to assets | 10.2928% | 1,691 |
| Core capital (leverage) ratio | 11.9836% | 1,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0804% | 630 |
| Memoranda: | ||
| Average total assets | $549,571,667 | 1,608 |
| Average earning assets | $510,027,667 | 1,600 |
| Average equity | $56,335,333 | 1,449 |
| Average total loans | $355,188,000 | 1,582 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7426% | 1,753 |
| Cost of funding earning assets | 0.6406% | 3,261 |
| Net interest margin | 4.1020% | 1,091 |
| Noninterest income to average assets | 0.6600% | 1,223 |
| Noninterest expense to average assets | 3.0099% | 1,048 |
| Loan and lease loss provision to assets | 0.2400% | 401 |
| Net operating income to assets | 0.9699% | 2,627 |
| Return on assets (ROA) | 0.9699% | 2,588 |
| Pretax return on assets | 1.2345% | 2,342 |
| Return on Equity (ROE) | 9.4800% | 2,925 |
| Retained earnings to average equity (ytd only) | 9.4818% | 1,819 |
| Net charge-offs to loans | 0.0091% | 1,604 |
| Credit loss provision to net charge-offs | 3,625.0000% | 123 |
| Earnings coverage of net charge-offs (x) | 251.8750% | 425 |
| Efficiency ratio | 67.1450% | 2,074 |
| Assets per employee ($millions) | 5.6357% | 3,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6719% | 872 |
| Loan loss allowance to noncurrent loans | 199.0301% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.5414% | 954 |
| Noncurrent loans to loans | 0.8400% | 908 |
| Net loans and leases to total assets | 63.3700% | 2,309 |
| Net loans and leases to deposits | 72.5171% | 2,428 |
| Net loans and leases to core deposits | 74.3437% | 2,649 |
| Total domestic deposits to total assets | 87.3800% | 2,142 |
| Equity capital to assets | 10.4150% | 1,608 |
| Core capital (leverage) ratio | 11.8513% | 1,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8699% | 670 |
| Memoranda: | ||
| Average total assets | $547,252,000 | 1,633 |
| Average earning assets | $509,507,000 | 1,622 |
| Average equity | $55,981,000 | 1,468 |
| Average total loans | $353,463,500 | 1,603 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1796% | 1,288 |
| Cost of funding earning assets | 0.1509% | 4,116 |
| Net interest margin | 4.0286% | 751 |
| Noninterest income to average assets | 0.6600% | 1,421 |
| Noninterest expense to average assets | 2.7166% | 1,517 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.2839% | 1,491 |
| Return on assets (ROA) | 1.2839% | 1,445 |
| Pretax return on assets | 1.6037% | 1,161 |
| Return on Equity (ROE) | 12.5800% | 1,941 |
| Retained earnings to average equity (ytd only) | 9.3684% | 1,369 |
| Net charge-offs to loans | 0.2293% | 350 |
| Credit loss provision to net charge-offs | 61.2821% | 1,766 |
| Earnings coverage of net charge-offs (x) | 11.8962% | 2,133 |
| Efficiency ratio | 61.6380% | 2,815 |
| Assets per employee ($millions) | 5.4768% | 3,241 |
| Cash dividends to net income (ytd only)* | 25.5464% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6151% | 947 |
| Loan loss allowance to noncurrent loans | 167.3259% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.6249% | 793 |
| Noncurrent loans to loans | 0.9653% | 769 |
| Net loans and leases to total assets | 63.6900% | 2,270 |
| Net loans and leases to deposits | 75.3690% | 2,144 |
| Net loans and leases to core deposits | 76.4580% | 2,388 |
| Total domestic deposits to total assets | 84.5000% | 3,103 |
| Equity capital to assets | 10.0405% | 1,686 |
| Core capital (leverage) ratio | 11.7663% | 1,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5714% | 665 |
| Memoranda: | ||
| Average total assets | $548,807,000 | 1,610 |
| Average earning assets | $510,767,800 | 1,601 |
| Average equity | $55,996,800 | 1,484 |
| Average total loans | $340,180,800 | 1,578 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0459% | 1,167 |
| Cost of funding earning assets | 0.1052% | 4,243 |
| Net interest margin | 3.9407% | 718 |
| Noninterest income to average assets | 0.6600% | 1,473 |
| Noninterest expense to average assets | 2.6092% | 1,693 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4761% | 899 |
| Return on assets (ROA) | 1.4761% | 885 |
| Pretax return on assets | 1.7173% | 872 |
| Return on Equity (ROE) | 14.4100% | 1,320 |
| Retained earnings to average equity (ytd only) | 10.1536% | 1,302 |
| Net charge-offs to loans | -0.0043% | 3,442 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.3068% | 3,079 |
| Assets per employee ($millions) | 5.5106% | 3,205 |
| Cash dividends to net income (ytd only)* | 29.5372% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7866% | 750 |
| Loan loss allowance to noncurrent loans | 167.2136% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.6772% | 767 |
| Noncurrent loans to loans | 1.0685% | 706 |
| Net loans and leases to total assets | 62.2500% | 2,261 |
| Net loans and leases to deposits | 70.4222% | 2,326 |
| Net loans and leases to core deposits | 71.9467% | 2,487 |
| Total domestic deposits to total assets | 88.3900% | 2,312 |
| Equity capital to assets | 9.8373% | 1,702 |
| Core capital (leverage) ratio | 11.6825% | 1,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4721% | 684 |
| Memoranda: | ||
| Average total assets | $550,457,500 | 1,615 |
| Average earning assets | $512,248,500 | 1,615 |
| Average equity | $56,386,000 | 1,491 |
| Average total loans | $337,477,500 | 1,581 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9125% | 1,094 |
| Cost of funding earning assets | 0.0997% | 4,193 |
| Net interest margin | 3.8128% | 731 |
| Noninterest income to average assets | 0.6474% | 1,551 |
| Noninterest expense to average assets | 2.4443% | 2,100 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5374% | 641 |
| Return on assets (ROA) | 1.5374% | 623 |
| Pretax return on assets | 1.7645% | 647 |
| Return on Equity (ROE) | 14.8174% | 935 |
| Retained earnings to average equity (ytd only) | 8.5536% | 1,413 |
| Net charge-offs to loans | -0.0042% | 3,287 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0767% | 3,548 |
| Assets per employee ($millions) | 5.6480% | 3,089 |
| Cash dividends to net income (ytd only)* | 42.2734% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8148% | 794 |
| Loan loss allowance to noncurrent loans | 166.7394% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.6759% | 809 |
| Noncurrent loans to loans | 1.0884% | 758 |
| Net loans and leases to total assets | 60.9769% | 2,220 |
| Net loans and leases to deposits | 68.4815% | 2,349 |
| Net loans and leases to core deposits | 70.6253% | 2,436 |
| Total domestic deposits to total assets | 89.0415% | 2,167 |
| Equity capital to assets | 10.0279% | 1,702 |
| Core capital (leverage) ratio | 11.0121% | 1,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3125% | 678 |
| Memoranda: | ||
| Average total assets | $553,931,000 | 1,615 |
| Average earning assets | $517,418,667 | 1,618 |
| Average equity | $57,473,000 | 1,492 |
| Average total loans | $335,881,333 | 1,579 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8926% | 934 |
| Cost of funding earning assets | 0.1037% | 4,086 |
| Net interest margin | 3.7889% | 646 |
| Noninterest income to average assets | 0.6302% | 1,566 |
| Noninterest expense to average assets | 2.8732% | 1,009 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0997% | 1,529 |
| Return on assets (ROA) | 1.0997% | 1,521 |
| Pretax return on assets | 1.3069% | 1,483 |
| Return on Equity (ROE) | 10.4297% | 1,815 |
| Retained earnings to average equity (ytd only) | 10.4297% | 918 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7350% | 2,406 |
| Assets per employee ($millions) | 5.8250% | 2,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8211% | 849 |
| Loan loss allowance to noncurrent loans | 325.0266% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.3290% | 1,798 |
| Noncurrent loans to loans | 0.5603% | 1,639 |
| Net loans and leases to total assets | 57.6459% | 2,334 |
| Net loans and leases to deposits | 64.6769% | 2,465 |
| Net loans and leases to core deposits | 66.3452% | 2,608 |
| Total domestic deposits to total assets | 89.1290% | 2,015 |
| Equity capital to assets | 10.0349% | 1,864 |
| Core capital (leverage) ratio | 10.9822% | 1,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1740% | 731 |
| Memoranda: | ||
| Average total assets | $559,793,000 | 1,604 |
| Average earning assets | $524,479,000 | 1,603 |
| Average equity | $59,023,500 | 1,507 |
| Average total loans | $335,456,000 | 1,574 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1577% | 1,067 |
| Cost of funding earning assets | 0.1370% | 4,094 |
| Net interest margin | 4.0207% | 681 |
| Noninterest income to average assets | 0.7798% | 1,511 |
| Noninterest expense to average assets | 2.8373% | 1,272 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3473% | 1,455 |
| Return on assets (ROA) | 1.3479% | 1,490 |
| Pretax return on assets | 1.7216% | 1,088 |
| Return on Equity (ROE) | 10.9148% | 2,191 |
| Retained earnings to average equity (ytd only) | -8.2288% | 4,746 |
| Net charge-offs to loans | -0.0113% | 3,783 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2462% | 2,835 |
| Assets per employee ($millions) | 5.3798% | 3,383 |
| Cash dividends to net income (ytd only)* | 175.3913% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8181% | 833 |
| Loan loss allowance to noncurrent loans | 341.1962% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.3260% | 1,935 |
| Noncurrent loans to loans | 0.5329% | 1,798 |
| Net loans and leases to total assets | 60.0712% | 2,155 |
| Net loans and leases to deposits | 68.1853% | 2,296 |
| Net loans and leases to core deposits | 70.7885% | 2,379 |
| Total domestic deposits to total assets | 88.0999% | 1,994 |
| Equity capital to assets | 11.0732% | 1,751 |
| Core capital (leverage) ratio | 10.6584% | 1,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0722% | 745 |
| Memoranda: | ||
| Average total assets | $549,889,600 | 1,575 |
| Average earning assets | $516,747,200 | 1,556 |
| Average equity | $67,908,000 | 1,384 |
| Average total loans | $353,138,200 | 1,507 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2494% | 1,028 |
| Cost of funding earning assets | 0.1429% | 4,172 |
| Net interest margin | 4.1065% | 647 |
| Noninterest income to average assets | 0.7784% | 1,590 |
| Noninterest expense to average assets | 2.8213% | 1,292 |
| Loan and lease loss provision to assets | 0.0405% | 2,188 |
| Net operating income to assets | 1.4576% | 1,372 |
| Return on assets (ROA) | 1.4584% | 1,425 |
| Pretax return on assets | 1.7761% | 1,222 |
| Return on Equity (ROE) | 11.5129% | 2,209 |
| Retained earnings to average equity (ytd only) | 5.7736% | 2,923 |
| Net charge-offs to loans | -0.0160% | 3,874 |
| Credit loss provision to net charge-offs | -388.3721% | 3,580 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8446% | 2,852 |
| Assets per employee ($millions) | 5.6295% | 3,062 |
| Cash dividends to net income (ytd only)* | 49.8504% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8148% | 901 |
| Loan loss allowance to noncurrent loans | 349.7213% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.3187% | 2,179 |
| Noncurrent loans to loans | 0.5189% | 2,003 |
| Net loans and leases to total assets | 60.2963% | 2,214 |
| Net loans and leases to deposits | 69.7317% | 2,266 |
| Net loans and leases to core deposits | 72.3768% | 2,395 |
| Total domestic deposits to total assets | 86.4690% | 2,574 |
| Equity capital to assets | 12.5279% | 1,160 |
| Core capital (leverage) ratio | 12.5272% | 973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5977% | 563 |
| Memoranda: | ||
| Average total assets | $550,177,750 | 1,581 |
| Average earning assets | $516,956,250 | 1,561 |
| Average equity | $69,694,250 | 1,368 |
| Average total loans | $357,488,500 | 1,525 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2441% | 1,103 |
| Cost of funding earning assets | 0.1522% | 4,191 |
| Net interest margin | 4.0918% | 704 |
| Noninterest income to average assets | 0.7540% | 1,661 |
| Noninterest expense to average assets | 2.8037% | 1,347 |
| Loan and lease loss provision to assets | 0.0612% | 1,816 |
| Net operating income to assets | 1.4431% | 1,437 |
| Return on assets (ROA) | 1.4431% | 1,505 |
| Pretax return on assets | 1.7391% | 1,390 |
| Return on Equity (ROE) | 11.3488% | 2,286 |
| Retained earnings to average equity (ytd only) | 7.0271% | 2,422 |
| Net charge-offs to loans | -0.0210% | 4,020 |
| Credit loss provision to net charge-offs | -439.4737% | 3,430 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8976% | 2,891 |
| Assets per employee ($millions) | 5.4219% | 3,220 |
| Cash dividends to net income (ytd only)* | 38.0807% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7560% | 959 |
| Loan loss allowance to noncurrent loans | 100.6099% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 1.1379% | 625 |
| Noncurrent loans to loans | 1.7453% | 601 |
| Net loans and leases to total assets | 64.0503% | 1,943 |
| Net loans and leases to deposits | 74.1109% | 1,987 |
| Net loans and leases to core deposits | 77.2247% | 2,118 |
| Total domestic deposits to total assets | 86.4249% | 2,582 |
| Equity capital to assets | 12.8373% | 1,002 |
| Core capital (leverage) ratio | 12.2135% | 1,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4376% | 578 |
| Memoranda: | ||
| Average total assets | $545,922,000 | 1,585 |
| Average earning assets | $513,657,667 | 1,565 |
| Average equity | $69,417,333 | 1,365 |
| Average total loans | $361,415,000 | 1,518 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1758% | 1,244 |
| Cost of funding earning assets | 0.1623% | 4,222 |
| Net interest margin | 4.0135% | 827 |
| Noninterest income to average assets | 0.6795% | 1,929 |
| Noninterest expense to average assets | 2.8113% | 1,343 |
| Loan and lease loss provision to assets | 0.0917% | 1,453 |
| Net operating income to assets | 1.2549% | 1,964 |
| Return on assets (ROA) | 1.2549% | 2,043 |
| Pretax return on assets | 1.5513% | 1,852 |
| Return on Equity (ROE) | 9.9163% | 2,716 |
| Retained earnings to average equity (ytd only) | 9.9163% | 1,667 |
| Net charge-offs to loans | 0.0033% | 1,809 |
| Credit loss provision to net charge-offs | 4,166.6667% | 133 |
| Earnings coverage of net charge-offs (x) | 746.3333% | 123 |
| Efficiency ratio | 63.1137% | 2,591 |
| Assets per employee ($millions) | 5.7565% | 2,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6670% | 1,123 |
| Loan loss allowance to noncurrent loans | 117.6493% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 0.9226% | 920 |
| Noncurrent loans to loans | 1.4169% | 896 |
| Net loans and leases to total assets | 64.0315% | 2,035 |
| Net loans and leases to deposits | 73.5015% | 2,158 |
| Net loans and leases to core deposits | 78.0979% | 2,179 |
| Total domestic deposits to total assets | 87.1160% | 2,273 |
| Equity capital to assets | 12.1723% | 1,216 |
| Core capital (leverage) ratio | 12.6135% | 953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0144% | 582 |
| Memoranda: | ||
| Average total assets | $545,079,500 | 1,570 |
| Average earning assets | $512,664,000 | 1,556 |
| Average equity | $68,977,000 | 1,364 |
| Average total loans | $363,616,000 | 1,512 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5165% | 1,268 |
| Cost of funding earning assets | 0.3334% | 3,963 |
| Net interest margin | 4.1831% | 661 |
| Noninterest income to average assets | 0.7228% | 1,777 |
| Noninterest expense to average assets | 2.9480% | 1,549 |
| Loan and lease loss provision to assets | 0.2355% | 1,653 |
| Net operating income to assets | 1.1606% | 1,683 |
| Return on assets (ROA) | 1.1585% | 1,812 |
| Pretax return on assets | 1.4578% | 1,482 |
| Return on Equity (ROE) | 9.2370% | 2,297 |
| Retained earnings to average equity (ytd only) | 9.2370% | 719 |
| Net charge-offs to loans | 0.0188% | 2,697 |
| Credit loss provision to net charge-offs | 1,792.5373% | 480 |
| Earnings coverage of net charge-offs (x) | 129.1194% | 654 |
| Efficiency ratio | 63.4794% | 2,899 |
| Assets per employee ($millions) | 5.2027% | 3,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7027% | 1,029 |
| Loan loss allowance to noncurrent loans | 281.2616% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.4144% | 2,336 |
| Noncurrent loans to loans | 0.6054% | 2,184 |
| Net loans and leases to total assets | 67.2869% | 1,919 |
| Net loans and leases to deposits | 78.5068% | 2,022 |
| Net loans and leases to core deposits | 84.4214% | 2,003 |
| Total domestic deposits to total assets | 85.7083% | 2,481 |
| Equity capital to assets | 13.1826% | 1,029 |
| Core capital (leverage) ratio | 12.4569% | 1,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6305% | 616 |
| Memoranda: | ||
| Average total assets | $510,074,200 | 1,519 |
| Average earning assets | $478,132,600 | 1,514 |
| Average equity | $63,971,000 | 1,383 |
| Average total loans | $355,733,800 | 1,493 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4257% | 1,786 |
| Cost of funding earning assets | 0.3729% | 3,947 |
| Net interest margin | 4.0528% | 996 |
| Noninterest income to average assets | 0.7025% | 1,795 |
| Noninterest expense to average assets | 2.8585% | 1,806 |
| Loan and lease loss provision to assets | 0.2524% | 1,608 |
| Net operating income to assets | 1.1121% | 1,943 |
| Return on assets (ROA) | 1.1091% | 2,072 |
| Pretax return on assets | 1.3852% | 1,783 |
| Return on Equity (ROE) | 8.9612% | 2,408 |
| Retained earnings to average equity (ytd only) | 8.9612% | 992 |
| Net charge-offs to loans | 0.0255% | 2,320 |
| Credit loss provision to net charge-offs | 1,413.2353% | 645 |
| Earnings coverage of net charge-offs (x) | 91.8824% | 839 |
| Efficiency ratio | 63.5238% | 2,822 |
| Assets per employee ($millions) | 5.2585% | 2,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5270% | 1,312 |
| Loan loss allowance to noncurrent loans | 243.9045% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.4494% | 2,386 |
| Noncurrent loans to loans | 0.6261% | 2,231 |
| Net loans and leases to total assets | 70.6889% | 1,858 |
| Net loans and leases to deposits | 85.0893% | 1,800 |
| Net loans and leases to core deposits | 93.7587% | 1,663 |
| Total domestic deposits to total assets | 83.0761% | 3,130 |
| Equity capital to assets | 12.5902% | 1,380 |
| Core capital (leverage) ratio | 12.2147% | 1,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8765% | 693 |
| Memoranda: | ||
| Average total assets | $507,525,750 | 1,500 |
| Average earning assets | $475,540,000 | 1,499 |
| Average equity | $62,817,500 | 1,389 |
| Average total loans | $355,633,250 | 1,487 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4343% | 2,117 |
| Cost of funding earning assets | 0.4351% | 3,868 |
| Net interest margin | 3.9992% | 1,324 |
| Noninterest income to average assets | 0.6793% | 1,814 |
| Noninterest expense to average assets | 2.8743% | 1,899 |
| Loan and lease loss provision to assets | 0.2406% | 1,749 |
| Net operating income to assets | 1.0657% | 2,091 |
| Return on assets (ROA) | 1.0611% | 2,231 |
| Pretax return on assets | 1.3077% | 2,003 |
| Return on Equity (ROE) | 8.6257% | 2,524 |
| Retained earnings to average equity (ytd only) | 8.6257% | 1,126 |
| Net charge-offs to loans | 0.0259% | 2,202 |
| Credit loss provision to net charge-offs | 1,335.5556% | 656 |
| Earnings coverage of net charge-offs (x) | 86.2667% | 771 |
| Efficiency ratio | 64.9101% | 2,672 |
| Assets per employee ($millions) | 5.2574% | 2,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4725% | 1,347 |
| Loan loss allowance to noncurrent loans | 259.0179% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.4029% | 2,676 |
| Noncurrent loans to loans | 0.5685% | 2,453 |
| Net loans and leases to total assets | 69.8203% | 2,056 |
| Net loans and leases to deposits | 84.3619% | 1,960 |
| Net loans and leases to core deposits | 91.9590% | 1,908 |
| Total domestic deposits to total assets | 82.7629% | 3,157 |
| Equity capital to assets | 12.3385% | 1,462 |
| Core capital (leverage) ratio | 12.0691% | 1,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8972% | 685 |
| Memoranda: | ||
| Average total assets | $499,663,333 | 1,499 |
| Average earning assets | $468,397,667 | 1,486 |
| Average equity | $61,467,333 | 1,396 |
| Average total loans | $347,091,000 | 1,496 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5778% | 2,069 |
| Cost of funding earning assets | 0.5302% | 3,792 |
| Net interest margin | 4.0476% | 1,262 |
| Noninterest income to average assets | 0.7299% | 1,533 |
| Noninterest expense to average assets | 3.0677% | 1,725 |
| Loan and lease loss provision to assets | 0.1981% | 1,529 |
| Net operating income to assets | 0.9969% | 2,180 |
| Return on assets (ROA) | 1.0061% | 2,262 |
| Pretax return on assets | 1.2593% | 1,997 |
| Return on Equity (ROE) | 8.1918% | 2,431 |
| Retained earnings to average equity (ytd only) | 8.1918% | 1,172 |
| Net charge-offs to loans | 0.0251% | 1,863 |
| Credit loss provision to net charge-offs | 1,147.6190% | 517 |
| Earnings coverage of net charge-offs (x) | 83.7619% | 652 |
| Efficiency ratio | 67.9658% | 2,672 |
| Assets per employee ($millions) | 4.6661% | 3,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5490% | 1,195 |
| Loan loss allowance to noncurrent loans | 423.8683% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.2504% | 3,448 |
| Noncurrent loans to loans | 0.3654% | 3,180 |
| Net loans and leases to total assets | 67.4504% | 2,627 |
| Net loans and leases to deposits | 79.5101% | 2,730 |
| Net loans and leases to core deposits | 90.5254% | 2,293 |
| Total domestic deposits to total assets | 84.8325% | 2,473 |
| Equity capital to assets | 12.2493% | 1,887 |
| Core capital (leverage) ratio | 12.6251% | 1,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5078% | 801 |
| Memoranda: | ||
| Average total assets | $486,626,000 | 1,498 |
| Average earning assets | $454,888,500 | 1,480 |
| Average equity | $59,767,000 | 1,426 |
| Average total loans | $334,357,500 | 1,505 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7136% | 2,288 |
| Cost of funding earning assets | 0.6383% | 3,463 |
| Net interest margin | 4.0753% | 1,605 |
| Noninterest income to average assets | 0.7687% | 1,547 |
| Noninterest expense to average assets | 2.9847% | 2,056 |
| Loan and lease loss provision to assets | 0.1074% | 1,936 |
| Net operating income to assets | 1.2542% | 1,857 |
| Return on assets (ROA) | 1.2870% | 1,817 |
| Pretax return on assets | 1.5243% | 1,734 |
| Return on Equity (ROE) | 11.0476% | 1,865 |
| Retained earnings to average equity (ytd only) | 10.1614% | 462 |
| Net charge-offs to loans | 0.0715% | 2,075 |
| Credit loss provision to net charge-offs | 222.2222% | 1,193 |
| Earnings coverage of net charge-offs (x) | 32.9615% | 1,482 |
| Efficiency ratio | 65.2066% | 2,892 |
| Assets per employee ($millions) | 4.7376% | 2,914 |
| Cash dividends to net income (ytd only)* | 8.0218% | 3,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4662% | 1,322 |
| Loan loss allowance to noncurrent loans | 398.5449% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.2711% | 3,343 |
| Noncurrent loans to loans | 0.3679% | 3,130 |
| Net loans and leases to total assets | 67.8956% | 2,692 |
| Net loans and leases to deposits | 85.1364% | 2,192 |
| Net loans and leases to core deposits | 97.5630% | 1,766 |
| Total domestic deposits to total assets | 79.7493% | 4,028 |
| Equity capital to assets | 12.3143% | 1,943 |
| Core capital (leverage) ratio | 12.4151% | 1,531 |
| Tier 1 risk-based capital ratio | 18.7254% | 1,582 |
| Total risk-based capital ratio | 19.9792% | 1,546 |
| Memoranda: | ||
| Average total assets | $484,295,600 | 1,464 |
| Average earning assets | $452,608,800 | 1,447 |
| Average equity | $56,419,400 | 1,437 |
| Average total loans | $327,273,000 | 1,507 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7187% | 2,364 |
| Cost of funding earning assets | 0.6451% | 3,475 |
| Net interest margin | 4.0736% | 1,689 |
| Noninterest income to average assets | 0.7577% | 1,568 |
| Noninterest expense to average assets | 2.9809% | 2,030 |
| Loan and lease loss provision to assets | 0.1214% | 1,611 |
| Net operating income to assets | 1.2383% | 2,062 |
| Return on assets (ROA) | 1.2669% | 2,038 |
| Pretax return on assets | 1.4964% | 1,968 |
| Return on Equity (ROE) | 11.0337% | 2,007 |
| Retained earnings to average equity (ytd only) | 9.8325% | 795 |
| Net charge-offs to loans | 0.0742% | 1,758 |
| Credit loss provision to net charge-offs | 243.0939% | 1,121 |
| Earnings coverage of net charge-offs (x) | 31.7289% | 1,578 |
| Efficiency ratio | 65.2991% | 2,813 |
| Assets per employee ($millions) | 4.8675% | 2,713 |
| Cash dividends to net income (ytd only)* | 10.8861% | 3,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4989% | 1,252 |
| Loan loss allowance to noncurrent loans | 431.6021% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.2660% | 3,489 |
| Noncurrent loans to loans | 0.3473% | 3,290 |
| Net loans and leases to total assets | 66.8639% | 2,942 |
| Net loans and leases to deposits | 80.2284% | 2,872 |
| Net loans and leases to core deposits | 92.3340% | 2,332 |
| Total domestic deposits to total assets | 83.3419% | 3,046 |
| Equity capital to assets | 12.1988% | 2,112 |
| Core capital (leverage) ratio | 12.1893% | 1,739 |
| Tier 1 risk-based capital ratio | 18.5983% | 1,664 |
| Total risk-based capital ratio | 19.8525% | 1,630 |
| Memoranda: | ||
| Average total assets | $483,375,250 | 1,475 |
| Average earning assets | $451,778,000 | 1,458 |
| Average equity | $55,501,500 | 1,452 |
| Average total loans | $325,030,000 | 1,525 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6974% | 2,363 |
| Cost of funding earning assets | 0.6493% | 3,416 |
| Net interest margin | 4.0482% | 1,768 |
| Noninterest income to average assets | 0.7457% | 1,539 |
| Noninterest expense to average assets | 2.9785% | 2,060 |
| Loan and lease loss provision to assets | 0.1240% | 1,502 |
| Net operating income to assets | 1.2110% | 2,109 |
| Return on assets (ROA) | 1.2280% | 2,104 |
| Pretax return on assets | 1.4570% | 2,006 |
| Return on Equity (ROE) | 10.9213% | 2,011 |
| Retained earnings to average equity (ytd only) | 9.0833% | 1,010 |
| Net charge-offs to loans | 0.0937% | 1,425 |
| Credit loss provision to net charge-offs | 197.3684% | 1,227 |
| Earnings coverage of net charge-offs (x) | 24.8421% | 1,617 |
| Efficiency ratio | 65.6165% | 2,867 |
| Assets per employee ($millions) | 4.7616% | 2,790 |
| Cash dividends to net income (ytd only)* | 16.8294% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4552% | 1,401 |
| Loan loss allowance to noncurrent loans | 402.0134% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.2716% | 3,472 |
| Noncurrent loans to loans | 0.3620% | 3,234 |
| Net loans and leases to total assets | 66.8149% | 2,999 |
| Net loans and leases to deposits | 80.5920% | 2,891 |
| Net loans and leases to core deposits | 91.6182% | 2,449 |
| Total domestic deposits to total assets | 82.9052% | 3,236 |
| Equity capital to assets | 11.6954% | 2,450 |
| Core capital (leverage) ratio | 11.6000% | 2,092 |
| Tier 1 risk-based capital ratio | 17.9513% | 1,821 |
| Total risk-based capital ratio | 19.2050% | 1,776 |
| Memoranda: | ||
| Average total assets | $483,872,000 | 1,478 |
| Average earning assets | $453,438,000 | 1,459 |
| Average equity | $54,407,330 | 1,476 |
| Average total loans | $324,336,670 | 1,541 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6647% | 2,335 |
| Cost of funding earning assets | 0.6555% | 3,292 |
| Net interest margin | 4.0092% | 1,829 |
| Noninterest income to average assets | 0.7429% | 1,452 |
| Noninterest expense to average assets | 2.9667% | 2,085 |
| Loan and lease loss provision to assets | 0.1242% | 1,409 |
| Net operating income to assets | 1.1770% | 2,144 |
| Return on assets (ROA) | 1.1819% | 2,170 |
| Pretax return on assets | 1.4113% | 2,045 |
| Return on Equity (ROE) | 10.7273% | 2,069 |
| Retained earnings to average equity (ytd only) | 10.7273% | 876 |
| Net charge-offs to loans | -0.0075% | 4,125 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9790% | 2,942 |
| Assets per employee ($millions) | 4.7274% | 2,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4880% | 1,372 |
| Loan loss allowance to noncurrent loans | 355.5556% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.3063% | 3,385 |
| Noncurrent loans to loans | 0.4185% | 3,093 |
| Net loans and leases to total assets | 65.9029% | 3,069 |
| Net loans and leases to deposits | 76.6129% | 3,204 |
| Net loans and leases to core deposits | 86.4830% | 2,831 |
| Total domestic deposits to total assets | 86.0206% | 2,275 |
| Equity capital to assets | 11.3108% | 2,550 |
| Core capital (leverage) ratio | 11.4758% | 2,152 |
| Tier 1 risk-based capital ratio | 17.7814% | 1,859 |
| Total risk-based capital ratio | 19.0353% | 1,816 |
| Memoranda: | ||
| Average total assets | $482,968,500 | 1,485 |
| Average earning assets | $452,160,000 | 1,472 |
| Average equity | $53,210,000 | 1,497 |
| Average total loans | $321,856,000 | 1,558 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5459% | 2,312 |
| Cost of funding earning assets | 0.5264% | 3,201 |
| Net interest margin | 4.0195% | 1,923 |
| Noninterest income to average assets | 0.7288% | 1,739 |
| Noninterest expense to average assets | 2.9081% | 2,320 |
| Loan and lease loss provision to assets | 0.1821% | 1,072 |
| Net operating income to assets | 1.1740% | 2,292 |
| Return on assets (ROA) | 1.1577% | 2,351 |
| Pretax return on assets | 1.3752% | 2,224 |
| Return on Equity (ROE) | 11.0476% | 2,065 |
| Retained earnings to average equity (ytd only) | 2.0674% | 4,330 |
| Net charge-offs to loans | 0.2353% | 826 |
| Credit loss provision to net charge-offs | 119.9725% | 2,172 |
| Earnings coverage of net charge-offs (x) | 10.3857% | 2,726 |
| Efficiency ratio | 64.8419% | 3,056 |
| Assets per employee ($millions) | 4.8374% | 2,690 |
| Cash dividends to net income (ytd only)* | 81.2861% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4461% | 1,464 |
| Loan loss allowance to noncurrent loans | 353.9634% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.2921% | 3,410 |
| Noncurrent loans to loans | 0.4086% | 3,070 |
| Net loans and leases to total assets | 65.4249% | 3,209 |
| Net loans and leases to deposits | 82.1295% | 2,715 |
| Net loans and leases to core deposits | 90.4112% | 2,540 |
| Total domestic deposits to total assets | 79.6606% | 4,183 |
| Equity capital to assets | 10.7247% | 2,951 |
| Core capital (leverage) ratio | 11.2088% | 2,345 |
| Tier 1 risk-based capital ratio | 17.3067% | 1,947 |
| Total risk-based capital ratio | 18.5598% | 1,907 |
| Memoranda: | ||
| Average total assets | $478,189,200 | 1,463 |
| Average earning assets | $446,845,200 | 1,461 |
| Average equity | $50,110,400 | 1,518 |
| Average total loans | $308,592,400 | 1,564 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4906% | 2,337 |
| Cost of funding earning assets | 0.4785% | 3,340 |
| Net interest margin | 4.0121% | 1,920 |
| Noninterest income to average assets | 0.7187% | 1,792 |
| Noninterest expense to average assets | 2.9728% | 2,096 |
| Loan and lease loss provision to assets | 0.1723% | 1,074 |
| Net operating income to assets | 1.1087% | 2,623 |
| Return on assets (ROA) | 1.1185% | 2,598 |
| Pretax return on assets | 1.3367% | 2,479 |
| Return on Equity (ROE) | 10.7377% | 2,291 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,033 |
| Net charge-offs to loans | 0.2955% | 561 |
| Credit loss provision to net charge-offs | 90.9897% | 2,413 |
| Earnings coverage of net charge-offs (x) | 7.9085% | 2,763 |
| Efficiency ratio | 66.5061% | 2,783 |
| Assets per employee ($millions) | 5.0222% | 2,441 |
| Cash dividends to net income (ytd only)* | 100.0000% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4213% | 1,624 |
| Loan loss allowance to noncurrent loans | 421.9582% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.2352% | 3,779 |
| Noncurrent loans to loans | 0.3368% | 3,455 |
| Net loans and leases to total assets | 63.8573% | 3,444 |
| Net loans and leases to deposits | 83.0748% | 2,702 |
| Net loans and leases to core deposits | 89.9297% | 2,665 |
| Total domestic deposits to total assets | 76.8673% | 4,666 |
| Equity capital to assets | 10.3544% | 3,274 |
| Core capital (leverage) ratio | 10.9305% | 2,645 |
| Tier 1 risk-based capital ratio | 17.1743% | 2,030 |
| Total risk-based capital ratio | 18.4270% | 1,979 |
| Memoranda: | ||
| Average total assets | $476,801,250 | 1,466 |
| Average earning assets | $445,810,000 | 1,463 |
| Average equity | $49,668,000 | 1,536 |
| Average total loans | $305,457,750 | 1,582 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4517% | 2,250 |
| Cost of funding earning assets | 0.4075% | 3,668 |
| Net interest margin | 4.0442% | 1,714 |
| Noninterest income to average assets | 0.6985% | 1,877 |
| Noninterest expense to average assets | 3.0457% | 1,920 |
| Loan and lease loss provision to assets | 0.1520% | 1,247 |
| Net operating income to assets | 1.0743% | 2,693 |
| Return on assets (ROA) | 1.1065% | 2,563 |
| Pretax return on assets | 1.3254% | 2,414 |
| Return on Equity (ROE) | 10.6003% | 2,280 |
| Retained earnings to average equity (ytd only) | -5.5341% | 5,311 |
| Net charge-offs to loans | 0.3767% | 420 |
| Credit loss provision to net charge-offs | 63.2224% | 2,406 |
| Earnings coverage of net charge-offs (x) | 5.9842% | 2,671 |
| Efficiency ratio | 67.9185% | 2,659 |
| Assets per employee ($millions) | 4.6992% | 2,817 |
| Cash dividends to net income (ytd only)* | 152.2070% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3909% | 1,780 |
| Loan loss allowance to noncurrent loans | 349.0643% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.2564% | 3,737 |
| Noncurrent loans to loans | 0.3985% | 3,257 |
| Net loans and leases to total assets | 63.4528% | 3,456 |
| Net loans and leases to deposits | 78.9207% | 3,061 |
| Net loans and leases to core deposits | 84.9484% | 3,014 |
| Total domestic deposits to total assets | 80.4007% | 4,155 |
| Equity capital to assets | 10.2477% | 3,391 |
| Core capital (leverage) ratio | 10.7290% | 2,772 |
| Tier 1 risk-based capital ratio | 16.8445% | 2,149 |
| Total risk-based capital ratio | 18.0966% | 2,098 |
| Memoranda: | ||
| Average total assets | $475,024,670 | 1,484 |
| Average earning assets | $444,682,000 | 1,470 |
| Average equity | $49,583,330 | 1,540 |
| Average total loans | $303,172,000 | 1,585 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3793% | 2,268 |
| Cost of funding earning assets | 0.3973% | 3,611 |
| Net interest margin | 3.9820% | 1,782 |
| Noninterest income to average assets | 0.7190% | 1,748 |
| Noninterest expense to average assets | 3.0410% | 1,969 |
| Loan and lease loss provision to assets | 0.0897% | 2,014 |
| Net operating income to assets | 1.1007% | 2,415 |
| Return on assets (ROA) | 1.1098% | 2,396 |
| Pretax return on assets | 1.3297% | 2,250 |
| Return on Equity (ROE) | 10.5349% | 2,158 |
| Retained earnings to average equity (ytd only) | -21.5836% | 5,515 |
| Net charge-offs to loans | 0.0466% | 1,654 |
| Credit loss provision to net charge-offs | 302.8571% | 805 |
| Earnings coverage of net charge-offs (x) | 47.5714% | 971 |
| Efficiency ratio | 68.3460% | 2,778 |
| Assets per employee ($millions) | 4.6526% | 2,926 |
| Cash dividends to net income (ytd only)* | 304.8780% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4979% | 1,477 |
| Loan loss allowance to noncurrent loans | 181.4609% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.5837% | 2,578 |
| Noncurrent loans to loans | 0.8255% | 2,166 |
| Net loans and leases to total assets | 63.3401% | 3,391 |
| Net loans and leases to deposits | 74.1287% | 3,404 |
| Net loans and leases to core deposits | 82.8449% | 3,076 |
| Total domestic deposits to total assets | 85.4461% | 2,772 |
| Equity capital to assets | 10.0909% | 3,512 |
| Core capital (leverage) ratio | 10.6287% | 2,820 |
| Tier 1 risk-based capital ratio | 16.4303% | 2,301 |
| Total risk-based capital ratio | 17.6837% | 2,242 |
| Memoranda: | ||
| Average total assets | $472,878,500 | 1,498 |
| Average earning assets | $442,989,500 | 1,480 |
| Average equity | $49,815,500 | 1,539 |
| Average total loans | $300,543,000 | 1,598 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1675% | 2,812 |
| Cost of funding earning assets | 0.4124% | 3,132 |
| Net interest margin | 3.7551% | 2,580 |
| Noninterest income to average assets | 0.6910% | 2,003 |
| Noninterest expense to average assets | 2.8445% | 2,628 |
| Loan and lease loss provision to assets | 0.1040% | 2,152 |
| Net operating income to assets | 0.7591% | 3,351 |
| Return on assets (ROA) | 0.7628% | 3,369 |
| Pretax return on assets | 1.2594% | 2,512 |
| Return on Equity (ROE) | 6.7265% | 3,421 |
| Retained earnings to average equity (ytd only) | -0.7599% | 5,153 |
| Net charge-offs to loans | 0.1016% | 2,054 |
| Credit loss provision to net charge-offs | 166.6667% | 1,607 |
| Earnings coverage of net charge-offs (x) | 21.7585% | 1,880 |
| Efficiency ratio | 67.6919% | 2,953 |
| Assets per employee ($millions) | 4.6195% | 2,999 |
| Cash dividends to net income (ytd only)* | 111.2966% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5203% | 1,341 |
| Loan loss allowance to noncurrent loans | 172.4415% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.6078% | 2,520 |
| Noncurrent loans to loans | 0.8816% | 2,019 |
| Net loans and leases to total assets | 61.8487% | 3,642 |
| Net loans and leases to deposits | 79.6082% | 2,958 |
| Net loans and leases to core deposits | 89.7485% | 2,589 |
| Total domestic deposits to total assets | 77.6914% | 4,761 |
| Equity capital to assets | 10.9813% | 2,644 |
| Core capital (leverage) ratio | 11.1533% | 2,193 |
| Tier 1 risk-based capital ratio | 17.6364% | 1,905 |
| Total risk-based capital ratio | 18.8907% | 1,854 |
| Memoranda: | ||
| Average total assets | $471,188,000 | 1,475 |
| Average earning assets | $440,572,600 | 1,466 |
| Average equity | $53,430,400 | 1,443 |
| Average total loans | $289,309,800 | 1,613 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1231% | 2,906 |
| Cost of funding earning assets | 0.3994% | 3,196 |
| Net interest margin | 3.7237% | 2,680 |
| Noninterest income to average assets | 0.6791% | 2,087 |
| Noninterest expense to average assets | 2.8489% | 2,566 |
| Loan and lease loss provision to assets | 0.1146% | 1,883 |
| Net operating income to assets | 0.8895% | 3,078 |
| Return on assets (ROA) | 0.9083% | 3,049 |
| Pretax return on assets | 1.2233% | 2,812 |
| Return on Equity (ROE) | 7.9475% | 3,153 |
| Retained earnings to average equity (ytd only) | 7.9475% | 1,246 |
| Net charge-offs to loans | 0.0820% | 1,982 |
| Credit loss provision to net charge-offs | 228.8136% | 1,218 |
| Earnings coverage of net charge-offs (x) | 26.2039% | 1,690 |
| Efficiency ratio | 68.4619% | 2,790 |
| Assets per employee ($millions) | 4.8245% | 2,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5616% | 1,325 |
| Loan loss allowance to noncurrent loans | 184.7879% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.5851% | 2,757 |
| Noncurrent loans to loans | 0.8451% | 2,251 |
| Net loans and leases to total assets | 59.2006% | 3,948 |
| Net loans and leases to deposits | 76.7706% | 3,300 |
| Net loans and leases to core deposits | 86.2768% | 2,940 |
| Total domestic deposits to total assets | 77.1136% | 4,861 |
| Equity capital to assets | 11.5895% | 2,286 |
| Core capital (leverage) ratio | 11.8741% | 1,769 |
| Tier 1 risk-based capital ratio | 19.0246% | 1,575 |
| Total risk-based capital ratio | 20.2799% | 1,540 |
| Memoranda: | ||
| Average total assets | $471,187,500 | 1,487 |
| Average earning assets | $440,624,250 | 1,474 |
| Average equity | $53,852,250 | 1,438 |
| Average total loans | $287,656,250 | 1,631 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1215% | 2,761 |
| Cost of funding earning assets | 0.3749% | 3,343 |
| Net interest margin | 3.7467% | 2,482 |
| Noninterest income to average assets | 0.6615% | 2,160 |
| Noninterest expense to average assets | 2.8620% | 2,534 |
| Loan and lease loss provision to assets | 0.1155% | 1,782 |
| Net operating income to assets | 0.8738% | 3,054 |
| Return on assets (ROA) | 0.8844% | 3,050 |
| Pretax return on assets | 1.2053% | 2,753 |
| Return on Equity (ROE) | 7.7758% | 3,158 |
| Retained earnings to average equity (ytd only) | 7.7758% | 1,249 |
| Net charge-offs to loans | 0.1227% | 1,424 |
| Credit loss provision to net charge-offs | 153.4091% | 1,501 |
| Earnings coverage of net charge-offs (x) | 17.3466% | 1,927 |
| Efficiency ratio | 68.6615% | 2,900 |
| Assets per employee ($millions) | 4.7271% | 2,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5307% | 1,476 |
| Loan loss allowance to noncurrent loans | 159.3116% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.6638% | 2,553 |
| Noncurrent loans to loans | 0.9608% | 2,042 |
| Net loans and leases to total assets | 59.8366% | 3,862 |
| Net loans and leases to deposits | 74.3982% | 3,503 |
| Net loans and leases to core deposits | 80.7164% | 3,367 |
| Total domestic deposits to total assets | 80.4275% | 4,319 |
| Equity capital to assets | 11.6437% | 2,197 |
| Core capital (leverage) ratio | 11.7419% | 1,802 |
| Tier 1 risk-based capital ratio | 18.8684% | 1,620 |
| Total risk-based capital ratio | 20.1233% | 1,577 |
| Memoranda: | ||
| Average total assets | $467,432,330 | 1,499 |
| Average earning assets | $437,507,670 | 1,496 |
| Average equity | $53,165,000 | 1,456 |
| Average total loans | $286,826,330 | 1,627 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1384% | 2,524 |
| Cost of funding earning assets | 0.3753% | 3,251 |
| Net interest margin | 3.7631% | 2,252 |
| Noninterest income to average assets | 0.6781% | 2,048 |
| Noninterest expense to average assets | 2.8873% | 2,499 |
| Loan and lease loss provision to assets | 0.1162% | 1,650 |
| Net operating income to assets | 0.8771% | 2,870 |
| Return on assets (ROA) | 0.8890% | 2,865 |
| Pretax return on assets | 1.2117% | 2,546 |
| Return on Equity (ROE) | 7.9116% | 2,968 |
| Retained earnings to average equity (ytd only) | 7.9116% | 1,501 |
| Net charge-offs to loans | 0.0181% | 2,427 |
| Credit loss provision to net charge-offs | 1,038.4615% | 304 |
| Earnings coverage of net charge-offs (x) | 117.2308% | 466 |
| Efficiency ratio | 68.7641% | 3,088 |
| Assets per employee ($millions) | 4.8755% | 2,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5453% | 1,526 |
| Loan loss allowance to noncurrent loans | 295.1968% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.3950% | 3,616 |
| Noncurrent loans to loans | 0.5235% | 3,245 |
| Net loans and leases to total assets | 60.2358% | 3,763 |
| Net loans and leases to deposits | 71.5275% | 3,652 |
| Net loans and leases to core deposits | 76.6817% | 3,593 |
| Total domestic deposits to total assets | 84.2135% | 3,390 |
| Equity capital to assets | 11.3342% | 2,319 |
| Core capital (leverage) ratio | 11.6573% | 1,849 |
| Tier 1 risk-based capital ratio | 17.9883% | 1,882 |
| Total risk-based capital ratio | 19.2413% | 1,839 |
| Memoranda: | ||
| Average total assets | $464,794,000 | 1,514 |
| Average earning assets | $434,852,500 | 1,506 |
| Average equity | $52,227,000 | 1,477 |
| Average total loans | $286,614,500 | 1,640 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2180% | 2,430 |
| Cost of funding earning assets | 0.3865% | 3,139 |
| Net interest margin | 3.8315% | 2,206 |
| Noninterest income to average assets | 0.6988% | 2,179 |
| Noninterest expense to average assets | 2.9278% | 2,572 |
| Loan and lease loss provision to assets | 0.0756% | 2,844 |
| Net operating income to assets | 0.9685% | 2,495 |
| Return on assets (ROA) | 1.0064% | 2,425 |
| Pretax return on assets | 1.3219% | 2,208 |
| Return on Equity (ROE) | 8.5640% | 2,633 |
| Retained earnings to average equity (ytd only) | 5.7245% | 1,868 |
| Net charge-offs to loans | 0.1429% | 1,831 |
| Credit loss provision to net charge-offs | 84.1584% | 2,907 |
| Earnings coverage of net charge-offs (x) | 14.9950% | 2,245 |
| Efficiency ratio | 68.4791% | 3,162 |
| Assets per employee ($millions) | 4.8077% | 2,636 |
| Cash dividends to net income (ytd only)* | 33.1565% | 3,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5000% | 1,666 |
| Loan loss allowance to noncurrent loans | 322.8057% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.3647% | 3,822 |
| Noncurrent loans to loans | 0.4647% | 3,488 |
| Net loans and leases to total assets | 61.2230% | 3,696 |
| Net loans and leases to deposits | 76.9352% | 3,209 |
| Net loans and leases to core deposits | 82.7150% | 3,154 |
| Total domestic deposits to total assets | 79.5773% | 4,666 |
| Equity capital to assets | 11.1376% | 2,492 |
| Core capital (leverage) ratio | 11.5641% | 1,883 |
| Tier 1 risk-based capital ratio | 17.7228% | 1,935 |
| Total risk-based capital ratio | 18.9740% | 1,899 |
| Memoranda: | ||
| Average total assets | $449,515,600 | 1,510 |
| Average earning assets | $419,626,000 | 1,502 |
| Average equity | $52,825,600 | 1,456 |
| Average total loans | $282,742,400 | 1,606 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2312% | 2,409 |
| Cost of funding earning assets | 0.3846% | 3,180 |
| Net interest margin | 3.8467% | 2,166 |
| Noninterest income to average assets | 0.7119% | 2,120 |
| Noninterest expense to average assets | 2.9577% | 2,437 |
| Loan and lease loss provision to assets | 0.0747% | 2,728 |
| Net operating income to assets | 0.9606% | 2,611 |
| Return on assets (ROA) | 1.0105% | 2,519 |
| Pretax return on assets | 1.3354% | 2,286 |
| Return on Equity (ROE) | 8.4840% | 2,770 |
| Retained earnings to average equity (ytd only) | 4.7234% | 2,993 |
| Net charge-offs to loans | 0.0440% | 2,761 |
| Credit loss provision to net charge-offs | 268.8172% | 1,141 |
| Earnings coverage of net charge-offs (x) | 48.4074% | 1,099 |
| Efficiency ratio | 68.7513% | 3,089 |
| Assets per employee ($millions) | 4.7392% | 2,685 |
| Cash dividends to net income (ytd only)* | 44.3262% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5932% | 1,492 |
| Loan loss allowance to noncurrent loans | 341.6918% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.3719% | 3,935 |
| Noncurrent loans to loans | 0.4663% | 3,617 |
| Net loans and leases to total assets | 61.4180% | 3,697 |
| Net loans and leases to deposits | 77.1692% | 3,268 |
| Net loans and leases to core deposits | 82.6889% | 3,232 |
| Total domestic deposits to total assets | 79.5887% | 4,593 |
| Equity capital to assets | 12.0052% | 2,114 |
| Core capital (leverage) ratio | 11.8303% | 1,792 |
| Tier 1 risk-based capital ratio | 18.0228% | 1,910 |
| Total risk-based capital ratio | 19.2838% | 1,879 |
| Memoranda: | ||
| Average total assets | $446,510,500 | 1,521 |
| Average earning assets | $416,733,250 | 1,511 |
| Average equity | $53,181,000 | 1,451 |
| Average total loans | $281,710,750 | 1,608 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2392% | 2,365 |
| Cost of funding earning assets | 0.3813% | 3,239 |
| Net interest margin | 3.8579% | 2,116 |
| Noninterest income to average assets | 0.6856% | 2,207 |
| Noninterest expense to average assets | 2.9525% | 2,510 |
| Loan and lease loss provision to assets | 0.0789% | 2,569 |
| Net operating income to assets | 0.9088% | 2,820 |
| Return on assets (ROA) | 0.9236% | 2,887 |
| Pretax return on assets | 1.2590% | 2,569 |
| Return on Equity (ROE) | 7.7758% | 3,100 |
| Retained earnings to average equity (ytd only) | 2.0834% | 4,528 |
| Net charge-offs to loans | 0.0534% | 2,440 |
| Credit loss provision to net charge-offs | 233.3333% | 1,163 |
| Earnings coverage of net charge-offs (x) | 38.9733% | 1,177 |
| Efficiency ratio | 69.1439% | 3,126 |
| Assets per employee ($millions) | 4.6149% | 2,846 |
| Cash dividends to net income (ytd only)* | 73.2064% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5806% | 1,583 |
| Loan loss allowance to noncurrent loans | 390.8136% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.3341% | 4,163 |
| Noncurrent loans to loans | 0.4044% | 3,915 |
| Net loans and leases to total assets | 61.5030% | 3,685 |
| Net loans and leases to deposits | 78.0514% | 3,154 |
| Net loans and leases to core deposits | 84.1667% | 3,066 |
| Total domestic deposits to total assets | 78.7981% | 4,831 |
| Equity capital to assets | 11.7925% | 2,274 |
| Core capital (leverage) ratio | 11.7008% | 1,847 |
| Tier 1 risk-based capital ratio | 17.5916% | 2,048 |
| Total risk-based capital ratio | 18.8545% | 2,008 |
| Memoranda: | ||
| Average total assets | $443,693,000 | 1,533 |
| Average earning assets | $412,247,670 | 1,526 |
| Average equity | $52,701,670 | 1,473 |
| Average total loans | $280,963,330 | 1,614 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2965% | 2,147 |
| Cost of funding earning assets | 0.3792% | 3,303 |
| Net interest margin | 3.9172% | 1,888 |
| Noninterest income to average assets | 0.7191% | 1,943 |
| Noninterest expense to average assets | 2.9603% | 2,514 |
| Loan and lease loss provision to assets | 0.0910% | 2,166 |
| Net operating income to assets | 0.9586% | 2,466 |
| Return on assets (ROA) | 0.9586% | 2,584 |
| Pretax return on assets | 1.2972% | 2,312 |
| Return on Equity (ROE) | 8.0403% | 2,894 |
| Retained earnings to average equity (ytd only) | 8.0403% | 1,444 |
| Net charge-offs to loans | 0.0543% | 1,979 |
| Credit loss provision to net charge-offs | 263.1579% | 919 |
| Earnings coverage of net charge-offs (x) | 40.1316% | 1,008 |
| Efficiency ratio | 68.0762% | 3,458 |
| Assets per employee ($millions) | 4.5698% | 2,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5803% | 1,679 |
| Loan loss allowance to noncurrent loans | 371.8724% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.3481% | 4,173 |
| Noncurrent loans to loans | 0.4250% | 3,922 |
| Net loans and leases to total assets | 61.5906% | 3,584 |
| Net loans and leases to deposits | 74.1887% | 3,415 |
| Net loans and leases to core deposits | 79.7413% | 3,341 |
| Total domestic deposits to total assets | 83.0189% | 3,886 |
| Equity capital to assets | 11.8934% | 2,097 |
| Core capital (leverage) ratio | 12.1477% | 1,526 |
| Tier 1 risk-based capital ratio | 17.9312% | 2,000 |
| Total risk-based capital ratio | 19.1909% | 1,968 |
| Memoranda: | ||
| Average total assets | $439,409,000 | 1,548 |
| Average earning assets | $407,124,000 | 1,541 |
| Average equity | $52,386,000 | 1,473 |
| Average total loans | $280,134,500 | 1,618 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3716% | 1,993 |
| Cost of funding earning assets | 0.4357% | 2,778 |
| Net interest margin | 3.9359% | 1,911 |
| Noninterest income to average assets | 0.8185% | 1,713 |
| Noninterest expense to average assets | 3.0272% | 2,455 |
| Loan and lease loss provision to assets | 0.1217% | 1,970 |
| Net operating income to assets | 1.0312% | 2,205 |
| Return on assets (ROA) | 1.0722% | 2,107 |
| Pretax return on assets | 1.3965% | 1,918 |
| Return on Equity (ROE) | 8.9786% | 2,467 |
| Retained earnings to average equity (ytd only) | 6.9610% | 1,300 |
| Net charge-offs to loans | 0.0508% | 3,184 |
| Credit loss provision to net charge-offs | 368.6131% | 811 |
| Earnings coverage of net charge-offs (x) | 44.3796% | 1,084 |
| Efficiency ratio | 67.3890% | 3,677 |
| Assets per employee ($millions) | 4.3098% | 3,367 |
| Cash dividends to net income (ytd only)* | 22.4719% | 3,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5596% | 1,763 |
| Loan loss allowance to noncurrent loans | 507.7907% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.2975% | 4,408 |
| Noncurrent loans to loans | 0.3071% | 4,358 |
| Net loans and leases to total assets | 63.9582% | 3,290 |
| Net loans and leases to deposits | 81.8143% | 2,612 |
| Net loans and leases to core deposits | 88.6416% | 2,543 |
| Total domestic deposits to total assets | 78.1749% | 5,132 |
| Equity capital to assets | 11.9516% | 1,989 |
| Core capital (leverage) ratio | 12.1841% | 1,512 |
| Tier 1 risk-based capital ratio | 17.6695% | 2,066 |
| Total risk-based capital ratio | 18.9285% | 2,014 |
| Memoranda: | ||
| Average total assets | $415,038,800 | 1,589 |
| Average earning assets | $387,387,400 | 1,574 |
| Average equity | $49,562,200 | 1,502 |
| Average total loans | $269,495,600 | 1,621 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3614% | 2,045 |
| Cost of funding earning assets | 0.4493% | 2,692 |
| Net interest margin | 3.9121% | 1,992 |
| Noninterest income to average assets | 0.8216% | 1,720 |
| Noninterest expense to average assets | 2.9932% | 2,550 |
| Loan and lease loss provision to assets | 0.1249% | 1,815 |
| Net operating income to assets | 0.9765% | 2,591 |
| Return on assets (ROA) | 1.0020% | 2,555 |
| Pretax return on assets | 1.3905% | 2,053 |
| Return on Equity (ROE) | 8.3923% | 2,879 |
| Retained earnings to average equity (ytd only) | 5.6755% | 2,471 |
| Net charge-offs to loans | 0.0365% | 3,177 |
| Credit loss provision to net charge-offs | 527.3973% | 626 |
| Earnings coverage of net charge-offs (x) | 62.5074% | 891 |
| Efficiency ratio | 66.9132% | 3,728 |
| Assets per employee ($millions) | 4.4370% | 3,115 |
| Cash dividends to net income (ytd only)* | 32.3730% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6082% | 1,762 |
| Loan loss allowance to noncurrent loans | 268.2638% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.3773% | 4,258 |
| Noncurrent loans to loans | 0.5995% | 3,525 |
| Net loans and leases to total assets | 61.9214% | 3,618 |
| Net loans and leases to deposits | 81.0214% | 2,764 |
| Net loans and leases to core deposits | 88.1321% | 2,652 |
| Total domestic deposits to total assets | 76.4260% | 5,424 |
| Equity capital to assets | 11.8254% | 2,239 |
| Core capital (leverage) ratio | 12.0443% | 1,651 |
| Tier 1 risk-based capital ratio | 17.8898% | 2,054 |
| Total risk-based capital ratio | 19.1486% | 2,020 |
| Memoranda: | ||
| Average total assets | $411,053,500 | 1,612 |
| Average earning assets | $383,686,750 | 1,606 |
| Average equity | $49,075,500 | 1,527 |
| Average total loans | $266,866,000 | 1,646 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3800% | 1,920 |
| Cost of funding earning assets | 0.4722% | 2,494 |
| Net interest margin | 3.9079% | 1,947 |
| Noninterest income to average assets | 0.7851% | 1,845 |
| Noninterest expense to average assets | 3.0373% | 2,430 |
| Loan and lease loss provision to assets | 0.1305% | 1,696 |
| Net operating income to assets | 0.8574% | 3,095 |
| Return on assets (ROA) | 0.8624% | 3,170 |
| Pretax return on assets | 1.2810% | 2,431 |
| Return on Equity (ROE) | 7.1992% | 3,485 |
| Retained earnings to average equity (ytd only) | 3.0877% | 4,081 |
| Net charge-offs to loans | 0.0165% | 3,378 |
| Credit loss provision to net charge-offs | 1,204.5455% | 294 |
| Earnings coverage of net charge-offs (x) | 129.5909% | 486 |
| Efficiency ratio | 68.3855% | 3,614 |
| Assets per employee ($millions) | 4.3474% | 3,215 |
| Cash dividends to net income (ytd only)* | 57.1102% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5952% | 1,926 |
| Loan loss allowance to noncurrent loans | 289.5563% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.3510% | 4,484 |
| Noncurrent loans to loans | 0.5509% | 3,802 |
| Net loans and leases to total assets | 62.7011% | 3,446 |
| Net loans and leases to deposits | 80.2965% | 2,746 |
| Net loans and leases to core deposits | 87.5033% | 2,609 |
| Total domestic deposits to total assets | 78.0870% | 5,266 |
| Equity capital to assets | 11.6430% | 2,296 |
| Core capital (leverage) ratio | 11.8186% | 1,761 |
| Tier 1 risk-based capital ratio | 18.3256% | 1,975 |
| Total risk-based capital ratio | 19.5852% | 1,934 |
| Memoranda: | ||
| Average total assets | $406,088,670 | 1,643 |
| Average earning assets | $379,950,670 | 1,627 |
| Average equity | $48,644,000 | 1,545 |
| Average total loans | $266,466,670 | 1,650 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3845% | 1,821 |
| Cost of funding earning assets | 0.4861% | 2,412 |
| Net interest margin | 3.8984% | 1,901 |
| Noninterest income to average assets | 0.7571% | 1,876 |
| Noninterest expense to average assets | 3.0535% | 2,420 |
| Loan and lease loss provision to assets | 0.1348% | 1,534 |
| Net operating income to assets | 0.7685% | 3,436 |
| Return on assets (ROA) | 0.7781% | 3,508 |
| Pretax return on assets | 1.2286% | 2,555 |
| Return on Equity (ROE) | 6.4023% | 3,830 |
| Retained earnings to average equity (ytd only) | -1.8163% | 5,670 |
| Net charge-offs to loans | -0.0135% | 4,860 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3669% | 3,603 |
| Assets per employee ($millions) | 4.1686% | 3,618 |
| Cash dividends to net income (ytd only)* | 128.3697% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5565% | 2,209 |
| Loan loss allowance to noncurrent loans | 312.6792% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.3534% | 4,590 |
| Noncurrent loans to loans | 0.4978% | 4,086 |
| Net loans and leases to total assets | 64.8035% | 2,974 |
| Net loans and leases to deposits | 79.6814% | 2,594 |
| Net loans and leases to core deposits | 84.2544% | 2,738 |
| Total domestic deposits to total assets | 81.3282% | 4,727 |
| Equity capital to assets | 12.0240% | 2,009 |
| Core capital (leverage) ratio | 12.0907% | 1,581 |
| Tier 1 risk-based capital ratio | 17.9377% | 2,154 |
| Total risk-based capital ratio | 19.1997% | 2,107 |
| Memoranda: | ||
| Average total assets | $400,458,000 | 1,672 |
| Average earning assets | $374,408,500 | 1,653 |
| Average equity | $48,670,000 | 1,548 |
| Average total loans | $266,737,500 | 1,645 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5604% | 1,664 |
| Cost of funding earning assets | 0.5243% | 2,447 |
| Net interest margin | 4.0362% | 1,787 |
| Noninterest income to average assets | 0.8213% | 1,787 |
| Noninterest expense to average assets | 2.9951% | 2,855 |
| Loan and lease loss provision to assets | 0.0841% | 2,797 |
| Net operating income to assets | 1.0066% | 2,348 |
| Return on assets (ROA) | 1.1114% | 1,986 |
| Pretax return on assets | 1.6614% | 1,070 |
| Return on Equity (ROE) | 9.3774% | 2,400 |
| Retained earnings to average equity (ytd only) | 6.7284% | 1,529 |
| Net charge-offs to loans | 0.0962% | 3,129 |
| Credit loss provision to net charge-offs | 131.3725% | 1,816 |
| Earnings coverage of net charge-offs (x) | 24.8118% | 1,515 |
| Efficiency ratio | 65.3353% | 4,351 |
| Assets per employee ($millions) | 4.0882% | 3,745 |
| Cash dividends to net income (ytd only)* | 28.2486% | 3,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4961% | 2,500 |
| Loan loss allowance to noncurrent loans | 247.0043% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.4509% | 4,310 |
| Noncurrent loans to loans | 0.6057% | 3,855 |
| Net loans and leases to total assets | 66.3951% | 2,822 |
| Net loans and leases to deposits | 86.9190% | 1,858 |
| Net loans and leases to core deposits | 92.5222% | 2,035 |
| Total domestic deposits to total assets | 76.3873% | 5,679 |
| Equity capital to assets | 12.2857% | 1,799 |
| Core capital (leverage) ratio | 12.1830% | 1,509 |
| Tier 1 risk-based capital ratio | 17.0762% | 2,483 |
| Total risk-based capital ratio | 18.3269% | 2,435 |
| Memoranda: | ||
| Average total assets | $398,148,800 | 1,647 |
| Average earning assets | $371,192,400 | 1,625 |
| Average equity | $47,187,800 | 1,531 |
| Average total loans | $265,143,800 | 1,597 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5460% | 1,713 |
| Cost of funding earning assets | 0.5271% | 2,495 |
| Net interest margin | 4.0189% | 1,826 |
| Noninterest income to average assets | 0.8675% | 1,634 |
| Noninterest expense to average assets | 2.9985% | 2,803 |
| Loan and lease loss provision to assets | 0.1020% | 2,329 |
| Net operating income to assets | 1.0502% | 2,233 |
| Return on assets (ROA) | 1.1344% | 1,980 |
| Pretax return on assets | 1.6362% | 1,221 |
| Return on Equity (ROE) | 9.6597% | 2,375 |
| Retained earnings to average equity (ytd only) | 9.6597% | 789 |
| Net charge-offs to loans | 0.0166% | 4,206 |
| Credit loss provision to net charge-offs | 924.2424% | 349 |
| Earnings coverage of net charge-offs (x) | 146.3902% | 423 |
| Efficiency ratio | 64.9775% | 4,376 |
| Assets per employee ($millions) | 4.1153% | 3,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5732% | 2,405 |
| Loan loss allowance to noncurrent loans | 328.4483% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.3450% | 4,889 |
| Noncurrent loans to loans | 0.4790% | 4,471 |
| Net loans and leases to total assets | 65.6863% | 2,917 |
| Net loans and leases to deposits | 85.2328% | 2,002 |
| Net loans and leases to core deposits | 90.4363% | 2,179 |
| Total domestic deposits to total assets | 77.0669% | 5,664 |
| Equity capital to assets | 12.2396% | 1,879 |
| Core capital (leverage) ratio | 12.2544% | 1,543 |
| Tier 1 risk-based capital ratio | 17.3132% | 2,466 |
| Total risk-based capital ratio | 18.5649% | 2,424 |
| Memoranda: | ||
| Average total assets | $398,546,500 | 1,664 |
| Average earning assets | $371,602,000 | 1,637 |
| Average equity | $46,804,750 | 1,544 |
| Average total loans | $264,606,250 | 1,611 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5457% | 1,678 |
| Cost of funding earning assets | 0.5261% | 2,573 |
| Net interest margin | 4.0196% | 1,761 |
| Noninterest income to average assets | 0.8561% | 1,634 |
| Noninterest expense to average assets | 2.9613% | 2,961 |
| Loan and lease loss provision to assets | 0.1054% | 2,262 |
| Net operating income to assets | 1.1159% | 1,875 |
| Return on assets (ROA) | 1.2116% | 1,616 |
| Pretax return on assets | 1.6680% | 1,091 |
| Return on Equity (ROE) | 10.4640% | 1,954 |
| Retained earnings to average equity (ytd only) | 10.4640% | 621 |
| Net charge-offs to loans | 0.0091% | 4,094 |
| Credit loss provision to net charge-offs | 1,750.0000% | 213 |
| Earnings coverage of net charge-offs (x) | 272.5833% | 249 |
| Efficiency ratio | 64.3254% | 4,644 |
| Assets per employee ($millions) | 4.1937% | 3,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5463% | 2,684 |
| Loan loss allowance to noncurrent loans | 373.5935% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.3020% | 5,158 |
| Noncurrent loans to loans | 0.4139% | 4,746 |
| Net loans and leases to total assets | 65.7974% | 2,784 |
| Net loans and leases to deposits | 85.5780% | 1,858 |
| Net loans and leases to core deposits | 90.2648% | 2,104 |
| Total domestic deposits to total assets | 76.8860% | 5,807 |
| Equity capital to assets | 12.0248% | 1,963 |
| Core capital (leverage) ratio | 11.9611% | 1,681 |
| Tier 1 risk-based capital ratio | 16.8856% | 2,671 |
| Total risk-based capital ratio | 18.1367% | 2,638 |
| Memoranda: | ||
| Average total assets | $398,332,670 | 1,665 |
| Average earning assets | $371,383,330 | 1,635 |
| Average equity | $46,120,000 | 1,553 |
| Average total loans | $264,007,330 | 1,607 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5392% | 1,680 |
| Cost of funding earning assets | 0.5329% | 2,572 |
| Net interest margin | 4.0063% | 1,737 |
| Noninterest income to average assets | 0.8426% | 1,594 |
| Noninterest expense to average assets | 2.8973% | 3,227 |
| Loan and lease loss provision to assets | 0.1054% | 2,161 |
| Net operating income to assets | 1.1409% | 1,662 |
| Return on assets (ROA) | 1.1951% | 1,569 |
| Pretax return on assets | 1.6520% | 1,071 |
| Return on Equity (ROE) | 10.5248% | 1,856 |
| Retained earnings to average equity (ytd only) | 10.5248% | 834 |
| Net charge-offs to loans | 0.0274% | 3,027 |
| Credit loss provision to net charge-offs | 583.3333% | 485 |
| Earnings coverage of net charge-offs (x) | 93.0556% | 484 |
| Efficiency ratio | 63.2675% | 4,963 |
| Assets per employee ($millions) | 4.3627% | 3,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5085% | 3,109 |
| Loan loss allowance to noncurrent loans | 367.8604% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.2713% | 5,358 |
| Noncurrent loans to loans | 0.4101% | 4,905 |
| Net loans and leases to total assets | 65.1663% | 2,702 |
| Net loans and leases to deposits | 81.6830% | 2,079 |
| Net loans and leases to core deposits | 85.8519% | 2,335 |
| Total domestic deposits to total assets | 79.7795% | 5,528 |
| Equity capital to assets | 11.5350% | 2,215 |
| Core capital (leverage) ratio | 11.6677% | 1,853 |
| Tier 1 risk-based capital ratio | 16.5385% | 2,880 |
| Total risk-based capital ratio | 17.7892% | 2,849 |
| Memoranda: | ||
| Average total assets | $398,297,500 | 1,673 |
| Average earning assets | $371,519,000 | 1,645 |
| Average equity | $45,226,500 | 1,578 |
| Average total loans | $262,883,000 | 1,618 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5451% | 2,048 |
| Cost of funding earning assets | 0.6721% | 2,022 |
| Net interest margin | 3.8730% | 2,389 |
| Noninterest income to average assets | 0.8712% | 1,780 |
| Noninterest expense to average assets | 2.8581% | 3,498 |
| Loan and lease loss provision to assets | 0.1229% | 2,771 |
| Net operating income to assets | 1.0715% | 2,033 |
| Return on assets (ROA) | 1.1180% | 1,941 |
| Pretax return on assets | 1.5673% | 1,254 |
| Return on Equity (ROE) | 10.2600% | 2,005 |
| Retained earnings to average equity (ytd only) | 9.0952% | 757 |
| Net charge-offs to loans | 0.1090% | 3,739 |
| Credit loss provision to net charge-offs | 173.4767% | 1,317 |
| Earnings coverage of net charge-offs (x) | 22.9391% | 1,433 |
| Efficiency ratio | 63.7579% | 4,944 |
| Assets per employee ($millions) | 4.3431% | 3,188 |
| Cash dividends to net income (ytd only)* | 11.3533% | 3,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5061% | 3,147 |
| Loan loss allowance to noncurrent loans | 293.7781% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.3833% | 5,106 |
| Noncurrent loans to loans | 0.5127% | 4,710 |
| Net loans and leases to total assets | 64.8448% | 2,899 |
| Net loans and leases to deposits | 85.8486% | 1,705 |
| Net loans and leases to core deposits | 90.8431% | 1,921 |
| Total domestic deposits to total assets | 75.5339% | 6,137 |
| Equity capital to assets | 11.1721% | 2,453 |
| Core capital (leverage) ratio | 11.4488% | 1,998 |
| Tier 1 risk-based capital ratio | 16.4381% | 2,886 |
| Total risk-based capital ratio | 17.6888% | 2,847 |
| Memoranda: | ||
| Average total assets | $393,928,600 | 1,676 |
| Average earning assets | $367,340,200 | 1,644 |
| Average equity | $42,923,800 | 1,635 |
| Average total loans | $255,908,600 | 1,624 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5444% | 2,060 |
| Cost of funding earning assets | 0.7000% | 1,946 |
| Net interest margin | 3.8444% | 2,486 |
| Noninterest income to average assets | 0.8492% | 1,940 |
| Noninterest expense to average assets | 2.8895% | 3,340 |
| Loan and lease loss provision to assets | 0.1335% | 2,614 |
| Net operating income to assets | 0.9116% | 2,770 |
| Return on assets (ROA) | 0.9525% | 2,683 |
| Pretax return on assets | 1.4762% | 1,685 |
| Return on Equity (ROE) | 8.7977% | 2,741 |
| Retained earnings to average equity (ytd only) | 8.7977% | 1,121 |
| Net charge-offs to loans | 0.0230% | 4,672 |
| Credit loss provision to net charge-offs | 895.4545% | 340 |
| Earnings coverage of net charge-offs (x) | 103.7643% | 482 |
| Efficiency ratio | 65.1344% | 4,627 |
| Assets per employee ($millions) | 4.2654% | 3,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5896% | 3,050 |
| Loan loss allowance to noncurrent loans | 265.7946% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.4049% | 5,210 |
| Noncurrent loans to loans | 0.5980% | 4,704 |
| Net loans and leases to total assets | 63.4280% | 3,092 |
| Net loans and leases to deposits | 83.4422% | 1,948 |
| Net loans and leases to core deposits | 88.3218% | 2,152 |
| Total domestic deposits to total assets | 76.0143% | 6,166 |
| Equity capital to assets | 10.9000% | 2,860 |
| Core capital (leverage) ratio | 11.2430% | 2,259 |
| Tier 1 risk-based capital ratio | 16.4572% | 2,954 |
| Total risk-based capital ratio | 17.7090% | 2,924 |
| Memoranda: | ||
| Average total assets | $393,604,500 | 1,683 |
| Average earning assets | $367,240,250 | 1,653 |
| Average equity | $42,616,000 | 1,655 |
| Average total loans | $254,835,250 | 1,631 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5571% | 2,010 |
| Cost of funding earning assets | 0.7110% | 1,991 |
| Net interest margin | 3.8460% | 2,392 |
| Noninterest income to average assets | 0.7988% | 2,192 |
| Noninterest expense to average assets | 2.9472% | 3,178 |
| Loan and lease loss provision to assets | 0.1498% | 2,457 |
| Net operating income to assets | 0.8029% | 3,286 |
| Return on assets (ROA) | 0.8472% | 3,211 |
| Pretax return on assets | 1.3674% | 2,049 |
| Return on Equity (ROE) | 7.8427% | 3,169 |
| Retained earnings to average equity (ytd only) | 7.8427% | 1,549 |
| Net charge-offs to loans | 0.0424% | 4,083 |
| Credit loss provision to net charge-offs | 544.4444% | 524 |
| Earnings coverage of net charge-offs (x) | 52.6296% | 776 |
| Efficiency ratio | 67.0569% | 4,347 |
| Assets per employee ($millions) | 4.2101% | 3,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5449% | 3,389 |
| Loan loss allowance to noncurrent loans | 247.5892% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.4079% | 5,258 |
| Noncurrent loans to loans | 0.6240% | 4,691 |
| Net loans and leases to total assets | 64.3558% | 2,860 |
| Net loans and leases to deposits | 81.5409% | 2,111 |
| Net loans and leases to core deposits | 86.1302% | 2,323 |
| Total domestic deposits to total assets | 78.9246% | 5,813 |
| Equity capital to assets | 10.7276% | 3,026 |
| Core capital (leverage) ratio | 10.9066% | 2,447 |
| Tier 1 risk-based capital ratio | 15.9304% | 3,235 |
| Total risk-based capital ratio | 17.1816% | 3,176 |
| Memoranda: | ||
| Average total assets | $392,580,000 | 1,691 |
| Average earning assets | $367,078,000 | 1,646 |
| Average equity | $42,408,670 | 1,663 |
| Average total loans | $254,557,330 | 1,631 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5574% | 1,963 |
| Cost of funding earning assets | 0.7167% | 2,080 |
| Net interest margin | 3.8407% | 2,317 |
| Noninterest income to average assets | 0.7866% | 2,181 |
| Noninterest expense to average assets | 2.9072% | 3,316 |
| Loan and lease loss provision to assets | 0.1638% | 2,226 |
| Net operating income to assets | 0.8695% | 2,809 |
| Return on assets (ROA) | 0.9097% | 2,753 |
| Pretax return on assets | 1.3635% | 1,997 |
| Return on Equity (ROE) | 8.3921% | 2,776 |
| Retained earnings to average equity (ytd only) | 8.3921% | 1,608 |
| Net charge-offs to loans | -0.0079% | 5,366 |
| Credit loss provision to net charge-offs | -3,220.0000% | 5,835 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4573% | 4,586 |
| Assets per employee ($millions) | 4.2722% | 3,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5351% | 3,675 |
| Loan loss allowance to noncurrent loans | 246.5057% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.3962% | 5,402 |
| Noncurrent loans to loans | 0.6227% | 4,886 |
| Net loans and leases to total assets | 62.6405% | 2,945 |
| Net loans and leases to deposits | 76.2705% | 2,594 |
| Net loans and leases to core deposits | 79.2992% | 2,887 |
| Total domestic deposits to total assets | 82.1295% | 5,146 |
| Equity capital to assets | 10.7842% | 3,214 |
| Core capital (leverage) ratio | 11.0059% | 2,259 |
| Tier 1 risk-based capital ratio | 16.3165% | 3,103 |
| Total risk-based capital ratio | 17.5467% | 3,060 |
| Memoranda: | ||
| Average total assets | $393,099,000 | 1,698 |
| Average earning assets | $367,227,000 | 1,666 |
| Average equity | $42,611,500 | 1,676 |
| Average total loans | $253,869,000 | 1,645 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7031% | 2,582 |
| Cost of funding earning assets | 0.8307% | 2,419 |
| Net interest margin | 3.8724% | 2,934 |
| Noninterest income to average assets | 0.9041% | 1,848 |
| Noninterest expense to average assets | 2.9634% | 3,412 |
| Loan and lease loss provision to assets | 0.0383% | 5,400 |
| Net operating income to assets | 1.0327% | 2,199 |
| Return on assets (ROA) | 1.1171% | 2,052 |
| Pretax return on assets | 1.6533% | 1,254 |
| Return on Equity (ROE) | 10.7453% | 1,890 |
| Retained earnings to average equity (ytd only) | 8.4120% | 997 |
| Net charge-offs to loans | 0.0269% | 5,522 |
| Credit loss provision to net charge-offs | 223.8806% | 1,118 |
| Earnings coverage of net charge-offs (x) | 91.6269% | 424 |
| Efficiency ratio | 65.4043% | 4,627 |
| Assets per employee ($millions) | 4.1816% | 3,590 |
| Cash dividends to net income (ytd only)* | 21.7143% | 3,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4566% | 3,914 |
| Loan loss allowance to noncurrent loans | 499.8654% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.1911% | 6,086 |
| Noncurrent loans to loans | 0.2914% | 5,752 |
| Net loans and leases to total assets | 64.6116% | 2,796 |
| Net loans and leases to deposits | 81.7619% | 2,029 |
| Net loans and leases to core deposits | 85.2136% | 2,404 |
| Total domestic deposits to total assets | 79.0241% | 5,883 |
| Equity capital to assets | 10.8968% | 3,071 |
| Core capital (leverage) ratio | 10.8026% | 2,440 |
| Tier 1 risk-based capital ratio | 15.7549% | 3,287 |
| Total risk-based capital ratio | 17.0056% | 3,246 |
| Memoranda: | ||
| Average total assets | $391,644,800 | 1,674 |
| Average earning assets | $366,802,000 | 1,632 |
| Average equity | $40,715,600 | 1,713 |
| Average total loans | $248,713,600 | 1,655 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7118% | 2,765 |
| Cost of funding earning assets | 0.8466% | 2,571 |
| Net interest margin | 3.8652% | 3,049 |
| Noninterest income to average assets | 0.8309% | 2,117 |
| Noninterest expense to average assets | 2.9661% | 3,351 |
| Loan and lease loss provision to assets | 0.0510% | 5,118 |
| Net operating income to assets | 0.9622% | 2,695 |
| Return on assets (ROA) | 1.0729% | 2,403 |
| Pretax return on assets | 1.6081% | 1,552 |
| Return on Equity (ROE) | 10.4446% | 2,155 |
| Retained earnings to average equity (ytd only) | 8.4596% | 1,423 |
| Net charge-offs to loans | 0.0049% | 5,691 |
| Credit loss provision to net charge-offs | 1,666.6667% | 164 |
| Earnings coverage of net charge-offs (x) | 488.4325% | 93 |
| Efficiency ratio | 66.5041% | 4,357 |
| Assets per employee ($millions) | 4.2508% | 3,367 |
| Cash dividends to net income (ytd only)* | 19.0054% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4953% | 3,972 |
| Loan loss allowance to noncurrent loans | 563.8266% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.2500% | 6,074 |
| Noncurrent loans to loans | 0.2652% | 5,953 |
| Net loans and leases to total assets | 64.2368% | 2,992 |
| Net loans and leases to deposits | 78.9828% | 2,535 |
| Net loans and leases to core deposits | 83.9204% | 2,708 |
| Total domestic deposits to total assets | 81.3300% | 5,256 |
| Equity capital to assets | 10.8361% | 3,460 |
| Core capital (leverage) ratio | 10.4002% | 3,037 |
| Tier 1 risk-based capital ratio | 15.6949% | 3,427 |
| Total risk-based capital ratio | 16.9365% | 3,399 |
| Memoranda: | ||
| Average total assets | $392,334,750 | 1,691 |
| Average earning assets | $368,373,250 | 1,639 |
| Average equity | $40,300,500 | 1,746 |
| Average total loans | $247,147,250 | 1,680 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7057% | 2,889 |
| Cost of funding earning assets | 0.8636% | 2,699 |
| Net interest margin | 3.8421% | 3,170 |
| Noninterest income to average assets | 0.8047% | 2,159 |
| Noninterest expense to average assets | 2.9388% | 3,480 |
| Loan and lease loss provision to assets | 0.0761% | 4,669 |
| Net operating income to assets | 0.9439% | 2,689 |
| Return on assets (ROA) | 1.1081% | 2,234 |
| Pretax return on assets | 1.6409% | 1,424 |
| Return on Equity (ROE) | 10.9854% | 1,999 |
| Retained earnings to average equity (ytd only) | 7.9674% | 1,650 |
| Net charge-offs to loans | 0.0359% | 4,880 |
| Credit loss provision to net charge-offs | 340.9091% | 860 |
| Earnings coverage of net charge-offs (x) | 66.0909% | 590 |
| Efficiency ratio | 66.5747% | 4,410 |
| Assets per employee ($millions) | 4.3403% | 3,185 |
| Cash dividends to net income (ytd only)* | 27.4725% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4976% | 4,020 |
| Loan loss allowance to noncurrent loans | 340.9672% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.3959% | 5,791 |
| Noncurrent loans to loans | 0.4392% | 5,657 |
| Net loans and leases to total assets | 61.5542% | 3,519 |
| Net loans and leases to deposits | 77.4468% | 2,760 |
| Net loans and leases to core deposits | 82.7174% | 2,868 |
| Total domestic deposits to total assets | 79.4793% | 5,863 |
| Equity capital to assets | 10.1554% | 4,116 |
| Core capital (leverage) ratio | 10.0201% | 3,400 |
| Tier 1 risk-based capital ratio | 15.5606% | 3,400 |
| Total risk-based capital ratio | 16.8116% | 3,362 |
| Memoranda: | ||
| Average total assets | $394,173,330 | 1,682 |
| Average earning assets | $370,316,000 | 1,635 |
| Average equity | $39,762,000 | 1,753 |
| Average total loans | $245,445,670 | 1,683 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7788% | 2,722 |
| Cost of funding earning assets | 0.9096% | 2,614 |
| Net interest margin | 3.8692% | 3,059 |
| Noninterest income to average assets | 0.7783% | 2,262 |
| Noninterest expense to average assets | 2.9009% | 3,617 |
| Loan and lease loss provision to assets | 0.0919% | 4,201 |
| Net operating income to assets | 0.9514% | 2,685 |
| Return on assets (ROA) | 1.0623% | 2,434 |
| Pretax return on assets | 1.5832% | 1,622 |
| Return on Equity (ROE) | 10.5671% | 2,204 |
| Retained earnings to average equity (ytd only) | 9.5510% | 1,396 |
| Net charge-offs to loans | -0.0049% | 5,792 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7712% | 4,602 |
| Assets per employee ($millions) | 4.2327% | 3,516 |
| Cash dividends to net income (ytd only)* | 9.6154% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5294% | 4,026 |
| Loan loss allowance to noncurrent loans | 261.7006% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.3576% | 5,986 |
| Noncurrent loans to loans | 0.5844% | 5,499 |
| Net loans and leases to total assets | 60.2617% | 3,608 |
| Net loans and leases to deposits | 72.7868% | 3,304 |
| Net loans and leases to core deposits | 75.1009% | 3,730 |
| Total domestic deposits to total assets | 82.7921% | 5,012 |
| Equity capital to assets | 9.9966% | 4,125 |
| Core capital (leverage) ratio | 10.1199% | 3,216 |
| Tier 1 risk-based capital ratio | 15.8515% | 3,248 |
| Total risk-based capital ratio | 17.1030% | 3,223 |
| Memoranda: | ||
| Average total assets | $391,607,500 | 1,699 |
| Average earning assets | $367,620,500 | 1,643 |
| Average equity | $39,367,500 | 1,762 |
| Average total loans | $243,405,500 | 1,700 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9479% | 3,114 |
| Cost of funding earning assets | 1.1241% | 2,509 |
| Net interest margin | 3.8238% | 3,704 |
| Noninterest income to average assets | 0.7948% | 2,089 |
| Noninterest expense to average assets | 2.9266% | 3,859 |
| Loan and lease loss provision to assets | 0.0748% | 5,679 |
| Net operating income to assets | 0.9601% | 2,359 |
| Return on assets (ROA) | 0.9727% | 2,446 |
| Pretax return on assets | 1.4003% | 1,791 |
| Return on Equity (ROE) | 10.2745% | 1,963 |
| Retained earnings to average equity (ytd only) | 9.5118% | 670 |
| Net charge-offs to loans | -0.0046% | 6,836 |
| Credit loss provision to net charge-offs | -2,636.3636% | 6,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7667% | 4,611 |
| Assets per employee ($millions) | 4.2345% | 3,407 |
| Cash dividends to net income (ytd only)* | 7.4231% | 3,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4923% | 4,061 |
| Loan loss allowance to noncurrent loans | 286.1308% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.3293% | 6,147 |
| Noncurrent loans to loans | 0.5215% | 5,669 |
| Net loans and leases to total assets | 62.2021% | 3,562 |
| Net loans and leases to deposits | 78.8868% | 2,694 |
| Net loans and leases to core deposits | 82.3464% | 3,130 |
| Total domestic deposits to total assets | 78.8498% | 6,025 |
| Equity capital to assets | 10.1108% | 4,022 |
| Core capital (leverage) ratio | 9.8096% | 3,585 |
| Tier 1 risk-based capital ratio | 15.4668% | 3,353 |
| Total risk-based capital ratio | 16.7178% | 3,306 |
| Memoranda: | ||
| Average total assets | $387,783,600 | 1,670 |
| Average earning assets | $363,932,400 | 1,626 |
| Average equity | $36,712,200 | 1,837 |
| Average total loans | $238,058,400 | 1,762 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9465% | 3,350 |
| Cost of funding earning assets | 1.1658% | 2,525 |
| Net interest margin | 3.7807% | 3,968 |
| Noninterest income to average assets | 0.7875% | 2,110 |
| Noninterest expense to average assets | 2.8953% | 3,953 |
| Loan and lease loss provision to assets | 0.0872% | 5,354 |
| Net operating income to assets | 0.9438% | 2,556 |
| Return on assets (ROA) | 0.9609% | 2,646 |
| Pretax return on assets | 1.3786% | 2,012 |
| Return on Equity (ROE) | 10.3234% | 2,097 |
| Retained earnings to average equity (ytd only) | 9.2907% | 1,044 |
| Net charge-offs to loans | -0.0197% | 6,907 |
| Credit loss provision to net charge-offs | -725.7143% | 6,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7617% | 4,573 |
| Assets per employee ($millions) | 4.4423% | 3,014 |
| Cash dividends to net income (ytd only)* | 10.0035% | 3,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4604% | 4,287 |
| Loan loss allowance to noncurrent loans | 298.8085% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.3315% | 6,245 |
| Noncurrent loans to loans | 0.4887% | 5,871 |
| Net loans and leases to total assets | 60.6012% | 4,028 |
| Net loans and leases to deposits | 75.6869% | 3,373 |
| Net loans and leases to core deposits | 79.1351% | 3,754 |
| Total domestic deposits to total assets | 80.0684% | 5,713 |
| Equity capital to assets | 9.7944% | 4,630 |
| Core capital (leverage) ratio | 9.4444% | 4,234 |
| Tier 1 risk-based capital ratio | 15.0727% | 3,622 |
| Total risk-based capital ratio | 16.3240% | 3,592 |
| Memoranda: | ||
| Average total assets | $388,394,750 | 1,679 |
| Average earning assets | $364,613,250 | 1,629 |
| Average equity | $36,150,000 | 1,872 |
| Average total loans | $236,743,000 | 1,784 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9462% | 3,413 |
| Cost of funding earning assets | 1.1989% | 2,591 |
| Net interest margin | 3.7472% | 4,045 |
| Noninterest income to average assets | 0.7571% | 2,229 |
| Noninterest expense to average assets | 2.8419% | 4,268 |
| Loan and lease loss provision to assets | 0.1125% | 4,887 |
| Net operating income to assets | 0.9149% | 2,570 |
| Return on assets (ROA) | 0.9284% | 2,630 |
| Pretax return on assets | 1.3449% | 1,981 |
| Return on Equity (ROE) | 10.1532% | 2,066 |
| Retained earnings to average equity (ytd only) | 9.1373% | 1,062 |
| Net charge-offs to loans | -0.0331% | 6,945 |
| Credit loss provision to net charge-offs | -558.9744% | 6,512 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4054% | 4,798 |
| Assets per employee ($millions) | 4.4149% | 2,970 |
| Cash dividends to net income (ytd only)* | 10.0056% | 3,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4067% | 4,537 |
| Loan loss allowance to noncurrent loans | 190.2315% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.4852% | 5,953 |
| Noncurrent loans to loans | 0.7395% | 5,437 |
| Net loans and leases to total assets | 59.4271% | 4,394 |
| Net loans and leases to deposits | 76.5781% | 3,361 |
| Net loans and leases to core deposits | 80.8078% | 3,675 |
| Total domestic deposits to total assets | 77.6033% | 6,356 |
| Equity capital to assets | 9.2935% | 5,144 |
| Core capital (leverage) ratio | 9.1687% | 4,459 |
| Tier 1 risk-based capital ratio | 14.7796% | 3,629 |
| Total risk-based capital ratio | 16.0306% | 3,594 |
| Memoranda: | ||
| Average total assets | $387,551,000 | 1,694 |
| Average earning assets | $364,322,000 | 1,645 |
| Average equity | $35,437,000 | 1,890 |
| Average total loans | $235,518,330 | 1,816 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9406% | 3,366 |
| Cost of funding earning assets | 1.2313% | 2,620 |
| Net interest margin | 3.7093% | 4,051 |
| Noninterest income to average assets | 0.7432% | 2,296 |
| Noninterest expense to average assets | 2.8684% | 4,201 |
| Loan and lease loss provision to assets | 0.1139% | 4,588 |
| Net operating income to assets | 0.8511% | 2,776 |
| Return on assets (ROA) | 0.8739% | 2,743 |
| Pretax return on assets | 1.2899% | 2,073 |
| Return on Equity (ROE) | 9.6391% | 2,234 |
| Retained earnings to average equity (ytd only) | 9.6391% | 1,200 |
| Net charge-offs to loans | -0.0171% | 6,524 |
| Credit loss provision to net charge-offs | -1,090.0000% | 6,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6695% | 4,719 |
| Assets per employee ($millions) | 4.3632% | 3,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3287% | 4,995 |
| Loan loss allowance to noncurrent loans | 326.4428% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.2838% | 6,479 |
| Noncurrent loans to loans | 0.4070% | 6,186 |
| Net loans and leases to total assets | 59.4940% | 4,364 |
| Net loans and leases to deposits | 71.3049% | 4,160 |
| Net loans and leases to core deposits | 75.0400% | 4,422 |
| Total domestic deposits to total assets | 83.4360% | 4,727 |
| Equity capital to assets | 9.0885% | 5,072 |
| Core capital (leverage) ratio | 9.2565% | 4,197 |
| Tier 1 risk-based capital ratio | 14.8492% | 3,504 |
| Total risk-based capital ratio | 16.0996% | 3,470 |
| Memoranda: | ||
| Average total assets | $382,654,500 | 1,718 |
| Average earning assets | $360,604,000 | 1,666 |
| Average equity | $34,692,000 | 1,911 |
| Average total loans | $233,528,000 | 1,846 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1140% | 4,040 |
| Cost of funding earning assets | 1.4477% | 2,968 |
| Net interest margin | 3.6662% | 4,509 |
| Noninterest income to average assets | 0.8141% | 2,210 |
| Noninterest expense to average assets | 2.9327% | 4,097 |
| Loan and lease loss provision to assets | 0.0963% | 6,182 |
| Net operating income to assets | 0.9191% | 2,320 |
| Return on assets (ROA) | 0.9572% | 2,301 |
| Pretax return on assets | 1.3123% | 1,904 |
| Return on Equity (ROE) | 10.7385% | 1,671 |
| Retained earnings to average equity (ytd only) | 9.5384% | 599 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3751% | 4,485 |
| Assets per employee ($millions) | 4.1887% | 3,405 |
| Cash dividends to net income (ytd only)* | 11.1763% | 3,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2846% | 5,082 |
| Loan loss allowance to noncurrent loans | 411.5543% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.1928% | 6,741 |
| Noncurrent loans to loans | 0.3121% | 6,430 |
| Net loans and leases to total assets | 60.9901% | 4,493 |
| Net loans and leases to deposits | 75.2344% | 3,975 |
| Net loans and leases to core deposits | 79.6044% | 4,262 |
| Total domestic deposits to total assets | 81.0668% | 5,506 |
| Equity capital to assets | 9.0431% | 5,079 |
| Core capital (leverage) ratio | 9.0676% | 4,417 |
| Tier 1 risk-based capital ratio | 14.6812% | 3,434 |
| Total risk-based capital ratio | 15.9338% | 3,396 |
| Memoranda: | ||
| Average total assets | $373,921,600 | 1,763 |
| Average earning assets | $354,422,400 | 1,699 |
| Average equity | $33,328,600 | 1,984 |
| Average total loans | $222,134,400 | 1,948 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1221% | 4,207 |
| Cost of funding earning assets | 1.4978% | 2,995 |
| Net interest margin | 3.6244% | 4,754 |
| Noninterest income to average assets | 0.7932% | 2,270 |
| Noninterest expense to average assets | 2.9963% | 3,760 |
| Loan and lease loss provision to assets | 0.1158% | 5,869 |
| Net operating income to assets | 0.9045% | 2,588 |
| Return on assets (ROA) | 0.9644% | 2,484 |
| Pretax return on assets | 1.1920% | 2,517 |
| Return on Equity (ROE) | 10.8594% | 1,835 |
| Retained earnings to average equity (ytd only) | 9.2500% | 979 |
| Net charge-offs to loans | -0.0043% | 7,201 |
| Credit loss provision to net charge-offs | -4,628.5714% | 7,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8337% | 3,915 |
| Assets per employee ($millions) | 4.2648% | 3,323 |
| Cash dividends to net income (ytd only)* | 14.8203% | 3,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3115% | 4,897 |
| Loan loss allowance to noncurrent loans | 446.2349% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.2861% | 6,656 |
| Noncurrent loans to loans | 0.2939% | 6,598 |
| Net loans and leases to total assets | 58.0890% | 5,249 |
| Net loans and leases to deposits | 69.6994% | 5,196 |
| Net loans and leases to core deposits | 75.1762% | 5,160 |
| Total domestic deposits to total assets | 83.3423% | 4,440 |
| Equity capital to assets | 9.0887% | 5,463 |
| Core capital (leverage) ratio | 8.9060% | 4,841 |
| Tier 1 risk-based capital ratio | 14.5058% | 3,506 |
| Total risk-based capital ratio | 15.7626% | 3,474 |
| Memoranda: | ||
| Average total assets | $373,156,000 | 1,784 |
| Average earning assets | $353,854,750 | 1,712 |
| Average equity | $33,138,000 | 2,008 |
| Average total loans | $219,439,250 | 2,004 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1599% | 4,141 |
| Cost of funding earning assets | 1.5211% | 3,125 |
| Net interest margin | 3.6389% | 4,635 |
| Noninterest income to average assets | 0.7987% | 2,123 |
| Noninterest expense to average assets | 3.1136% | 3,248 |
| Loan and lease loss provision to assets | 0.1169% | 5,727 |
| Net operating income to assets | 0.8746% | 2,643 |
| Return on assets (ROA) | 0.9318% | 2,523 |
| Pretax return on assets | 1.0860% | 2,823 |
| Return on Equity (ROE) | 10.5788% | 1,903 |
| Retained earnings to average equity (ytd only) | 9.9645% | 851 |
| Net charge-offs to loans | -0.0083% | 7,173 |
| Credit loss provision to net charge-offs | -2,400.0000% | 6,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2620% | 3,604 |
| Assets per employee ($millions) | 4.1736% | 3,443 |
| Cash dividends to net income (ytd only)* | 5.8072% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3572% | 4,642 |
| Loan loss allowance to noncurrent loans | 809.5368% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.2132% | 6,867 |
| Noncurrent loans to loans | 0.1676% | 6,925 |
| Net loans and leases to total assets | 57.4872% | 5,493 |
| Net loans and leases to deposits | 68.9686% | 5,419 |
| Net loans and leases to core deposits | 74.7930% | 5,351 |
| Total domestic deposits to total assets | 83.3527% | 4,411 |
| Equity capital to assets | 8.9043% | 5,596 |
| Core capital (leverage) ratio | 8.4168% | 5,549 |
| Tier 1 risk-based capital ratio | 14.7834% | 3,270 |
| Total risk-based capital ratio | 16.0400% | 3,236 |
| Memoranda: | ||
| Average total assets | $369,598,670 | 1,812 |
| Average earning assets | $350,547,000 | 1,744 |
| Average equity | $32,555,670 | 2,032 |
| Average total loans | $217,277,330 | 2,055 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2254% | 3,895 |
| Cost of funding earning assets | 1.5536% | 3,246 |
| Net interest margin | 3.6718% | 4,386 |
| Noninterest income to average assets | 0.8064% | 1,989 |
| Noninterest expense to average assets | 3.3127% | 2,491 |
| Loan and lease loss provision to assets | 0.1178% | 5,422 |
| Net operating income to assets | 0.8265% | 2,853 |
| Return on assets (ROA) | 0.9428% | 2,448 |
| Pretax return on assets | 0.9809% | 3,161 |
| Return on Equity (ROE) | 10.7630% | 1,850 |
| Retained earnings to average equity (ytd only) | 10.7630% | 974 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2126% | 3,032 |
| Assets per employee ($millions) | 4.0582% | 3,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2678% | 5,104 |
| Loan loss allowance to noncurrent loans | 348.2188% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.2060% | 6,949 |
| Noncurrent loans to loans | 0.3641% | 6,570 |
| Net loans and leases to total assets | 55.8779% | 5,758 |
| Net loans and leases to deposits | 66.6782% | 5,747 |
| Net loans and leases to core deposits | 71.5823% | 5,757 |
| Total domestic deposits to total assets | 83.8024% | 4,244 |
| Equity capital to assets | 8.5328% | 5,954 |
| Core capital (leverage) ratio | 8.6458% | 5,125 |
| Tier 1 risk-based capital ratio | 14.6323% | 3,301 |
| Total risk-based capital ratio | 15.8882% | 3,262 |
| Memoranda: | ||
| Average total assets | $366,584,000 | 1,869 |
| Average earning assets | $347,840,500 | 1,798 |
| Average equity | $32,110,000 | 2,083 |
| Average total loans | $216,461,500 | 2,109 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4679% | 4,343 |
| Cost of funding earning assets | 1.6872% | 4,579 |
| Net interest margin | 3.7807% | 3,792 |
| Noninterest income to average assets | 0.7821% | 2,496 |
| Noninterest expense to average assets | 3.0807% | 3,831 |
| Loan and lease loss provision to assets | 0.1537% | 6,134 |
| Net operating income to assets | 0.8603% | 2,310 |
| Return on assets (ROA) | 0.8883% | 2,289 |
| Pretax return on assets | 1.1778% | 2,011 |
| Return on Equity (ROE) | 10.5038% | 1,551 |
| Retained earnings to average equity (ytd only) | 10.1672% | 353 |
| Net charge-offs to loans | 0.1384% | 5,830 |
| Credit loss provision to net charge-offs | 184.3003% | 2,222 |
| Earnings coverage of net charge-offs (x) | 15.5154% | 1,305 |
| Efficiency ratio | 70.4171% | 4,536 |
| Assets per employee ($millions) | 3.8228% | 4,226 |
| Cash dividends to net income (ytd only)* | 3.2051% | 3,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2593% | 4,994 |
| Loan loss allowance to noncurrent loans | 279.7339% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.2778% | 6,758 |
| Noncurrent loans to loans | 0.4502% | 6,372 |
| Net loans and leases to total assets | 60.9316% | 5,202 |
| Net loans and leases to deposits | 74.3562% | 4,977 |
| Net loans and leases to core deposits | 86.5419% | 5,469 |
| Total domestic deposits to total assets | 81.9456% | 4,971 |
| Equity capital to assets | 9.0049% | 5,141 |
| Core capital (leverage) ratio | 8.7101% | 4,908 |
| Tier 1 risk-based capital ratio | 14.5538% | 3,172 |
| Total risk-based capital ratio | 15.8074% | 3,121 |
| Memoranda: | ||
| Average total assets | $351,250,800 | 1,934 |
| Average earning assets | $333,802,800 | 1,860 |
| Average equity | $29,703,400 | 2,246 |
| Average total loans | $211,688,600 | 2,177 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4676% | 4,587 |
| Cost of funding earning assets | 1.7107% | 4,842 |
| Net interest margin | 3.7569% | 3,831 |
| Noninterest income to average assets | 0.7150% | 2,919 |
| Noninterest expense to average assets | 3.0099% | 4,005 |
| Loan and lease loss provision to assets | 0.1367% | 5,987 |
| Net operating income to assets | 0.7898% | 2,860 |
| Return on assets (ROA) | 0.7959% | 2,894 |
| Pretax return on assets | 1.1501% | 2,415 |
| Return on Equity (ROE) | 9.5667% | 2,075 |
| Retained earnings to average equity (ytd only) | 9.1103% | 817 |
| Net charge-offs to loans | 0.0114% | 6,776 |
| Credit loss provision to net charge-offs | 2,000.0000% | 194 |
| Earnings coverage of net charge-offs (x) | 186.9954% | 211 |
| Efficiency ratio | 70.1939% | 4,553 |
| Assets per employee ($millions) | 3.8624% | 4,044 |
| Cash dividends to net income (ytd only)* | 4.7710% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2989% | 4,514 |
| Loan loss allowance to noncurrent loans | 236.4957% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.3293% | 6,657 |
| Noncurrent loans to loans | 0.5492% | 6,215 |
| Net loans and leases to total assets | 59.1723% | 5,715 |
| Net loans and leases to deposits | 71.3013% | 5,760 |
| Net loans and leases to core deposits | 81.6703% | 6,218 |
| Total domestic deposits to total assets | 82.9891% | 4,225 |
| Equity capital to assets | 8.7190% | 5,928 |
| Core capital (leverage) ratio | 8.7648% | 5,028 |
| Tier 1 risk-based capital ratio | 14.4855% | 3,285 |
| Total risk-based capital ratio | 15.7396% | 3,227 |
| Memoranda: | ||
| Average total assets | $351,138,750 | 1,945 |
| Average earning assets | $333,959,250 | 1,877 |
| Average equity | $29,211,750 | 2,311 |
| Average total loans | $210,353,500 | 2,209 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4779% | 4,740 |
| Cost of funding earning assets | 1.7650% | 4,929 |
| Net interest margin | 3.7129% | 3,900 |
| Noninterest income to average assets | 0.6742% | 3,164 |
| Noninterest expense to average assets | 2.9142% | 4,455 |
| Loan and lease loss provision to assets | 0.1029% | 6,139 |
| Net operating income to assets | 0.7768% | 2,947 |
| Return on assets (ROA) | 0.7857% | 3,002 |
| Pretax return on assets | 1.2003% | 2,298 |
| Return on Equity (ROE) | 9.6011% | 2,165 |
| Retained earnings to average equity (ytd only) | 8.9023% | 967 |
| Net charge-offs to loans | 0.0010% | 6,621 |
| Credit loss provision to net charge-offs | 18,000.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 2,255.0000% | 8 |
| Efficiency ratio | 69.3239% | 4,912 |
| Assets per employee ($millions) | 3.6735% | 4,392 |
| Cash dividends to net income (ytd only)* | 7.2780% | 3,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2201% | 4,815 |
| Loan loss allowance to noncurrent loans | 135.6803% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.5625% | 6,017 |
| Noncurrent loans to loans | 0.8993% | 5,413 |
| Net loans and leases to total assets | 59.4589% | 5,769 |
| Net loans and leases to deposits | 72.9110% | 5,617 |
| Net loans and leases to core deposits | 81.8927% | 6,250 |
| Total domestic deposits to total assets | 81.5499% | 4,877 |
| Equity capital to assets | 8.4601% | 6,108 |
| Core capital (leverage) ratio | 8.0289% | 6,273 |
| Tier 1 risk-based capital ratio | 14.4206% | 3,296 |
| Total risk-based capital ratio | 15.6733% | 3,228 |
| Memoranda: | ||
| Average total assets | $349,739,330 | 1,976 |
| Average earning assets | $332,463,670 | 1,903 |
| Average equity | $28,621,670 | 2,364 |
| Average total loans | $209,462,000 | 2,249 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4505% | 5,173 |
| Cost of funding earning assets | 1.8265% | 4,993 |
| Net interest margin | 3.6240% | 4,219 |
| Noninterest income to average assets | 0.6592% | 3,143 |
| Noninterest expense to average assets | 2.9156% | 4,103 |
| Loan and lease loss provision to assets | 0.0857% | 5,859 |
| Net operating income to assets | 0.7841% | 3,194 |
| Return on assets (ROA) | 0.7906% | 3,330 |
| Pretax return on assets | 1.1082% | 2,956 |
| Return on Equity (ROE) | 9.8259% | 2,386 |
| Retained earnings to average equity (ytd only) | 9.8259% | 1,237 |
| Net charge-offs to loans | -0.0038% | 7,155 |
| Credit loss provision to net charge-offs | -3,750.0000% | 6,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1062% | 4,347 |
| Assets per employee ($millions) | 3.7793% | 4,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1860% | 4,890 |
| Loan loss allowance to noncurrent loans | 320.3608% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.2367% | 6,803 |
| Noncurrent loans to loans | 0.3702% | 6,497 |
| Net loans and leases to total assets | 57.6904% | 5,995 |
| Net loans and leases to deposits | 69.0079% | 6,076 |
| Net loans and leases to core deposits | 78.1388% | 6,523 |
| Total domestic deposits to total assets | 83.5996% | 3,878 |
| Equity capital to assets | 8.0316% | 6,760 |
| Core capital (leverage) ratio | 8.1599% | 6,173 |
| Tier 1 risk-based capital ratio | 14.2106% | 3,470 |
| Total risk-based capital ratio | 15.4595% | 3,404 |
| Memoranda: | ||
| Average total assets | $350,119,500 | 1,987 |
| Average earning assets | $332,446,000 | 1,902 |
| Average equity | $28,170,500 | 2,405 |
| Average total loans | $209,162,000 | 2,279 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9856% | 5,615 |
| Cost of funding earning assets | 2.2463% | 5,386 |
| Net interest margin | 3.7393% | 4,281 |
| Noninterest income to average assets | 0.8489% | 2,241 |
| Noninterest expense to average assets | 3.0371% | 3,947 |
| Loan and lease loss provision to assets | 0.1385% | 5,586 |
| Net operating income to assets | 0.8516% | 3,218 |
| Return on assets (ROA) | 0.8626% | 3,010 |
| Pretax return on assets | 1.1977% | 2,649 |
| Return on Equity (ROE) | 10.4336% | 2,109 |
| Retained earnings to average equity (ytd only) | 7.0375% | 1,140 |
| Net charge-offs to loans | 0.1411% | 4,811 |
| Credit loss provision to net charge-offs | 158.0071% | 3,286 |
| Earnings coverage of net charge-offs (x) | 15.0676% | 1,969 |
| Efficiency ratio | 69.6900% | 4,404 |
| Assets per employee ($millions) | 3.7088% | 4,153 |
| Cash dividends to net income (ytd only)* | 32.5497% | 4,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 4,630 |
| Loan loss allowance to noncurrent loans | 295.8284% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.3426% | 6,229 |
| Noncurrent loans to loans | 0.4020% | 6,143 |
| Net loans and leases to total assets | 60.4411% | 5,846 |
| Net loans and leases to deposits | 74.2345% | 5,821 |
| Net loans and leases to core deposits | 86.8274% | 6,074 |
| Total domestic deposits to total assets | 81.4191% | 4,449 |
| Equity capital to assets | 8.0611% | 6,761 |
| Core capital (leverage) ratio | 8.4440% | 5,668 |
| Tier 1 risk-based capital ratio | 14.3429% | 3,367 |
| Total risk-based capital ratio | 15.5946% | 3,289 |
| Memoranda: | ||
| Average total assets | $320,536,800 | 2,083 |
| Average earning assets | $300,807,200 | 2,032 |
| Average equity | $26,501,000 | 2,516 |
| Average total loans | $199,083,000 | 2,310 |