Home > Tri-County Bank > Performance and Condition Ratios
Tri-County Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9431% | 2,193 |
| Cost of funding earning assets | 1.1183% | 3,015 |
| Net interest margin | 3.8247% | 1,527 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 1.9230% | 3,791 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.5467% | 942 |
| Return on assets (ROA) | 1.5467% | 911 |
| Pretax return on assets | 1.9378% | 736 |
| Return on Equity (ROE) | 17.0200% | 946 |
| Retained earnings to average equity (ytd only) | 11.3988% | 714 |
| Net charge-offs to loans | 0.0631% | 1,222 |
| Credit loss provision to net charge-offs | 207.2034% | 1,196 |
| Earnings coverage of net charge-offs (x) | 46.3008% | 1,340 |
| Efficiency ratio | 48.3533% | 4,072 |
| Assets per employee ($millions) | 6.7621% | 2,236 |
| Cash dividends to net income (ytd only)* | 33.0453% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0340% | 3,140 |
| Loan loss allowance to noncurrent loans | 2,774.8252% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 3,517 |
| Noncurrent loans to loans | 0.0373% | 3,467 |
| Net loans and leases to total assets | 69.3400% | 1,885 |
| Net loans and leases to deposits | 82.7492% | 1,895 |
| Net loans and leases to core deposits | 85.9529% | 2,309 |
| Total domestic deposits to total assets | 83.7900% | 2,675 |
| Equity capital to assets | 9.7951% | 2,130 |
| Core capital (leverage) ratio | 11.9196% | 1,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $538,645,400 | 1,647 |
| Average earning assets | $504,769,200 | 1,621 |
| Average equity | $48,934,800 | 1,635 |
| Average total loans | $374,032,200 | 1,539 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8419% | 2,180 |
| Cost of funding earning assets | 1.0153% | 2,995 |
| Net interest margin | 3.8266% | 1,541 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 1.9474% | 3,722 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.5312% | 1,062 |
| Return on assets (ROA) | 1.5312% | 1,044 |
| Pretax return on assets | 1.9185% | 843 |
| Return on Equity (ROE) | 17.2000% | 1,044 |
| Retained earnings to average equity (ytd only) | 11.0476% | 1,152 |
| Net charge-offs to loans | 0.0111% | 1,988 |
| Credit loss provision to net charge-offs | 1,209.6774% | 360 |
| Earnings coverage of net charge-offs (x) | 261.0645% | 501 |
| Efficiency ratio | 48.8793% | 3,992 |
| Assets per employee ($millions) | 6.7262% | 2,161 |
| Cash dividends to net income (ytd only)* | 35.7630% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 3,063 |
| Loan loss allowance to noncurrent loans | 416.3077% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.2021% | 2,259 |
| Noncurrent loans to loans | 0.2549% | 2,324 |
| Net loans and leases to total assets | 69.4600% | 1,891 |
| Net loans and leases to deposits | 82.9961% | 1,826 |
| Net loans and leases to core deposits | 85.7871% | 2,199 |
| Total domestic deposits to total assets | 83.6900% | 2,861 |
| Equity capital to assets | 8.8681% | 2,491 |
| Core capital (leverage) ratio | 11.6205% | 1,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $536,373,250 | 1,648 |
| Average earning assets | $502,714,250 | 1,626 |
| Average equity | $47,755,750 | 1,651 |
| Average total loans | $371,604,500 | 1,540 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7322% | 2,140 |
| Cost of funding earning assets | 0.8552% | 3,059 |
| Net interest margin | 3.8770% | 1,469 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 1.9533% | 3,705 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.5638% | 997 |
| Return on assets (ROA) | 1.5638% | 994 |
| Pretax return on assets | 1.9589% | 791 |
| Return on Equity (ROE) | 17.5400% | 1,012 |
| Retained earnings to average equity (ytd only) | 12.9369% | 816 |
| Net charge-offs to loans | 0.0109% | 1,797 |
| Credit loss provision to net charge-offs | 1,225.0000% | 350 |
| Earnings coverage of net charge-offs (x) | 273.5500% | 487 |
| Efficiency ratio | 48.4741% | 4,033 |
| Assets per employee ($millions) | 6.5214% | 2,263 |
| Cash dividends to net income (ytd only)* | 26.2464% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0484% | 3,205 |
| Loan loss allowance to noncurrent loans | 1,894.2308% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.0384% | 3,397 |
| Noncurrent loans to loans | 0.0553% | 3,303 |
| Net loans and leases to total assets | 68.7000% | 1,883 |
| Net loans and leases to deposits | 83.4717% | 1,722 |
| Net loans and leases to core deposits | 84.7146% | 2,165 |
| Total domestic deposits to total assets | 82.3000% | 3,169 |
| Equity capital to assets | 8.9746% | 2,530 |
| Core capital (leverage) ratio | 11.6323% | 1,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $533,558,000 | 1,658 |
| Average earning assets | $500,484,333 | 1,633 |
| Average equity | $47,569,333 | 1,659 |
| Average total loans | $367,980,000 | 1,541 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6030% | 2,078 |
| Cost of funding earning assets | 0.6691% | 3,159 |
| Net interest margin | 3.9339% | 1,397 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 1.9536% | 3,736 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 1.5722% | 1,034 |
| Return on assets (ROA) | 1.5722% | 1,032 |
| Pretax return on assets | 1.9664% | 825 |
| Return on Equity (ROE) | 17.6900% | 1,068 |
| Retained earnings to average equity (ytd only) | 13.4876% | 1,009 |
| Net charge-offs to loans | 0.0110% | 1,529 |
| Credit loss provision to net charge-offs | 1,700.0000% | 233 |
| Earnings coverage of net charge-offs (x) | 277.4000% | 390 |
| Efficiency ratio | 47.9575% | 4,084 |
| Assets per employee ($millions) | 6.5322% | 2,318 |
| Cash dividends to net income (ytd only)* | 23.7752% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0479% | 3,303 |
| Loan loss allowance to noncurrent loans | 646.9115% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.1118% | 2,737 |
| Noncurrent loans to loans | 0.1620% | 2,677 |
| Net loans and leases to total assets | 68.3200% | 1,800 |
| Net loans and leases to deposits | 77.7892% | 1,982 |
| Net loans and leases to core deposits | 78.7298% | 2,341 |
| Total domestic deposits to total assets | 87.8200% | 1,981 |
| Equity capital to assets | 9.0908% | 2,445 |
| Core capital (leverage) ratio | 11.5373% | 1,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $529,699,500 | 1,684 |
| Average earning assets | $496,805,500 | 1,664 |
| Average equity | $47,065,500 | 1,686 |
| Average total loans | $364,070,500 | 1,566 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3625% | 947 |
| Cost of funding earning assets | 0.2747% | 3,106 |
| Net interest margin | 4.0878% | 675 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.0362% | 3,480 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | 1.6239% | 648 |
| Return on assets (ROA) | 1.6184% | 630 |
| Pretax return on assets | 2.0265% | 446 |
| Return on Equity (ROE) | 17.0700% | 851 |
| Retained earnings to average equity (ytd only) | 13.4117% | 460 |
| Net charge-offs to loans | 0.1752% | 476 |
| Credit loss provision to net charge-offs | 177.0370% | 1,191 |
| Earnings coverage of net charge-offs (x) | 20.3815% | 1,883 |
| Efficiency ratio | 47.4514% | 4,278 |
| Assets per employee ($millions) | 6.2353% | 2,564 |
| Cash dividends to net income (ytd only)* | 21.4277% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9050% | 3,751 |
| Loan loss allowance to noncurrent loans | 2,065.6051% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.0493% | 3,311 |
| Noncurrent loans to loans | 0.0438% | 3,448 |
| Net loans and leases to total assets | 67.8000% | 1,849 |
| Net loans and leases to deposits | 78.2214% | 1,921 |
| Net loans and leases to core deposits | 78.7968% | 2,218 |
| Total domestic deposits to total assets | 86.6700% | 2,508 |
| Equity capital to assets | 8.6751% | 2,578 |
| Core capital (leverage) ratio | 11.6900% | 1,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $494,244,600 | 1,735 |
| Average earning assets | $462,718,000 | 1,724 |
| Average equity | $46,862,200 | 1,709 |
| Average total loans | $308,267,000 | 1,685 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3238% | 692 |
| Cost of funding earning assets | 0.2203% | 3,035 |
| Net interest margin | 4.1035% | 516 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.0616% | 3,315 |
| Loan and lease loss provision to assets | 0.2200% | 387 |
| Net operating income to assets | 1.6194% | 630 |
| Return on assets (ROA) | 1.6119% | 623 |
| Pretax return on assets | 2.0169% | 449 |
| Return on Equity (ROE) | 16.6200% | 871 |
| Retained earnings to average equity (ytd only) | 13.1216% | 588 |
| Net charge-offs to loans | 0.2434% | 281 |
| Credit loss provision to net charge-offs | 150.0000% | 1,125 |
| Earnings coverage of net charge-offs (x) | 15.2019% | 1,851 |
| Efficiency ratio | 47.5249% | 4,303 |
| Assets per employee ($millions) | 6.0714% | 2,697 |
| Cash dividends to net income (ytd only)* | 21.0499% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9119% | 3,819 |
| Loan loss allowance to noncurrent loans | 1,205.0584% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 3,381 |
| Noncurrent loans to loans | 0.0757% | 3,335 |
| Net loans and leases to total assets | 65.9900% | 1,890 |
| Net loans and leases to deposits | 73.9201% | 2,057 |
| Net loans and leases to core deposits | 74.5133% | 2,310 |
| Total domestic deposits to total assets | 89.2700% | 1,973 |
| Equity capital to assets | 8.6314% | 2,458 |
| Core capital (leverage) ratio | 11.4819% | 1,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $486,865,500 | 1,763 |
| Average earning assets | $455,761,000 | 1,753 |
| Average equity | $47,218,500 | 1,712 |
| Average total loans | $295,747,750 | 1,732 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1910% | 650 |
| Cost of funding earning assets | 0.1818% | 3,158 |
| Net interest margin | 4.0092% | 485 |
| Noninterest income to average assets | 0.4825% | 2,297 |
| Noninterest expense to average assets | 2.0766% | 3,216 |
| Loan and lease loss provision to assets | 0.2346% | 325 |
| Net operating income to assets | 1.5436% | 630 |
| Return on assets (ROA) | 1.5323% | 631 |
| Pretax return on assets | 1.9134% | 454 |
| Return on Equity (ROE) | 15.2057% | 855 |
| Retained earnings to average equity (ytd only) | 11.9541% | 611 |
| Net charge-offs to loans | 0.2213% | 292 |
| Credit loss provision to net charge-offs | 180.7074% | 1,015 |
| Earnings coverage of net charge-offs (x) | 16.6559% | 1,621 |
| Efficiency ratio | 48.6755% | 4,323 |
| Assets per employee ($millions) | 5.8295% | 2,892 |
| Cash dividends to net income (ytd only)* | 21.3838% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9891% | 3,649 |
| Loan loss allowance to noncurrent loans | 623.0769% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 2,873 |
| Noncurrent loans to loans | 0.1587% | 2,902 |
| Net loans and leases to total assets | 62.9202% | 2,024 |
| Net loans and leases to deposits | 70.8991% | 2,121 |
| Net loans and leases to core deposits | 71.4280% | 2,382 |
| Total domestic deposits to total assets | 88.7462% | 2,280 |
| Equity capital to assets | 9.1067% | 2,308 |
| Core capital (leverage) ratio | 11.6197% | 1,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $479,154,000 | 1,794 |
| Average earning assets | $448,915,333 | 1,786 |
| Average equity | $48,284,667 | 1,724 |
| Average total loans | $281,122,000 | 1,801 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0613% | 680 |
| Cost of funding earning assets | 0.1823% | 3,059 |
| Net interest margin | 3.8790% | 529 |
| Noninterest income to average assets | 0.4744% | 2,281 |
| Noninterest expense to average assets | 2.0494% | 3,302 |
| Loan and lease loss provision to assets | 0.0363% | 1,706 |
| Net operating income to assets | 1.6291% | 476 |
| Return on assets (ROA) | 1.6291% | 475 |
| Pretax return on assets | 2.0351% | 329 |
| Return on Equity (ROE) | 15.4000% | 598 |
| Retained earnings to average equity (ytd only) | 12.0965% | 586 |
| Net charge-offs to loans | 0.4690% | 146 |
| Credit loss provision to net charge-offs | 13.7821% | 1,309 |
| Earnings coverage of net charge-offs (x) | 7.8654% | 1,530 |
| Efficiency ratio | 49.4060% | 4,344 |
| Assets per employee ($millions) | 5.7080% | 3,110 |
| Cash dividends to net income (ytd only)* | 21.4508% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9364% | 3,937 |
| Loan loss allowance to noncurrent loans | 208.8163% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.2832% | 1,992 |
| Noncurrent loans to loans | 0.4484% | 1,905 |
| Net loans and leases to total assets | 56.4430% | 2,491 |
| Net loans and leases to deposits | 62.7349% | 2,650 |
| Net loans and leases to core deposits | 63.2227% | 2,866 |
| Total domestic deposits to total assets | 89.9707% | 1,578 |
| Equity capital to assets | 9.9403% | 1,941 |
| Core capital (leverage) ratio | 11.3655% | 1,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $473,890,000 | 1,814 |
| Average earning assets | $445,477,500 | 1,809 |
| Average equity | $50,130,000 | 1,740 |
| Average total loans | $266,089,500 | 1,851 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3184% | 826 |
| Cost of funding earning assets | 0.2376% | 3,066 |
| Net interest margin | 4.0809% | 618 |
| Noninterest income to average assets | 0.6716% | 1,865 |
| Noninterest expense to average assets | 2.1664% | 3,184 |
| Loan and lease loss provision to assets | 0.0732% | 1,636 |
| Net operating income to assets | 1.8061% | 502 |
| Return on assets (ROA) | 1.8061% | 522 |
| Pretax return on assets | 2.2595% | 369 |
| Return on Equity (ROE) | 16.4447% | 687 |
| Retained earnings to average equity (ytd only) | 14.3574% | 278 |
| Net charge-offs to loans | -0.0316% | 4,146 |
| Credit loss provision to net charge-offs | -398.7952% | 3,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8261% | 4,417 |
| Assets per employee ($millions) | 5.5095% | 3,249 |
| Cash dividends to net income (ytd only)* | 12.6930% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0915% | 3,388 |
| Loan loss allowance to noncurrent loans | 425.7530% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.1418% | 2,943 |
| Noncurrent loans to loans | 0.2564% | 2,696 |
| Net loans and leases to total assets | 54.7002% | 2,765 |
| Net loans and leases to deposits | 61.6696% | 2,913 |
| Net loans and leases to core deposits | 62.2462% | 3,138 |
| Total domestic deposits to total assets | 88.6989% | 1,665 |
| Equity capital to assets | 11.2317% | 1,644 |
| Core capital (leverage) ratio | 11.2582% | 1,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $451,906,800 | 1,833 |
| Average earning assets | $423,856,600 | 1,828 |
| Average equity | $49,633,000 | 1,782 |
| Average total loans | $262,558,000 | 1,866 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3718% | 856 |
| Cost of funding earning assets | 0.2517% | 3,106 |
| Net interest margin | 4.1201% | 628 |
| Noninterest income to average assets | 0.6973% | 1,825 |
| Noninterest expense to average assets | 2.1798% | 3,139 |
| Loan and lease loss provision to assets | 0.0786% | 1,502 |
| Net operating income to assets | 1.8377% | 618 |
| Return on assets (ROA) | 1.8377% | 649 |
| Pretax return on assets | 2.2991% | 467 |
| Return on Equity (ROE) | 16.8314% | 790 |
| Retained earnings to average equity (ytd only) | 15.0779% | 388 |
| Net charge-offs to loans | -0.0445% | 4,293 |
| Credit loss provision to net charge-offs | -300.0000% | 3,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5077% | 4,404 |
| Assets per employee ($millions) | 5.6619% | 3,030 |
| Cash dividends to net income (ytd only)* | 10.4180% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 3,531 |
| Loan loss allowance to noncurrent loans | 429.3478% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.1387% | 3,187 |
| Noncurrent loans to loans | 0.2516% | 2,930 |
| Net loans and leases to total assets | 54.5370% | 2,903 |
| Net loans and leases to deposits | 62.0011% | 3,038 |
| Net loans and leases to core deposits | 62.5403% | 3,262 |
| Total domestic deposits to total assets | 87.9614% | 1,872 |
| Equity capital to assets | 11.1118% | 1,941 |
| Core capital (leverage) ratio | 12.2780% | 1,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $447,806,750 | 1,866 |
| Average earning assets | $419,559,500 | 1,857 |
| Average equity | $48,891,500 | 1,824 |
| Average total loans | $263,449,500 | 1,896 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2886% | 1,024 |
| Cost of funding earning assets | 0.2746% | 3,049 |
| Net interest margin | 4.0140% | 798 |
| Noninterest income to average assets | 0.7321% | 1,710 |
| Noninterest expense to average assets | 2.1876% | 3,130 |
| Loan and lease loss provision to assets | 0.0868% | 1,416 |
| Net operating income to assets | 1.7756% | 757 |
| Return on assets (ROA) | 1.7756% | 795 |
| Pretax return on assets | 2.2183% | 558 |
| Return on Equity (ROE) | 16.3651% | 887 |
| Retained earnings to average equity (ytd only) | 14.8274% | 460 |
| Net charge-offs to loans | -0.0662% | 4,480 |
| Credit loss provision to net charge-offs | -218.1818% | 3,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3595% | 4,361 |
| Assets per employee ($millions) | 5.6782% | 2,932 |
| Cash dividends to net income (ytd only)* | 9.3965% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0267% | 3,740 |
| Loan loss allowance to noncurrent loans | 532.2134% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.1100% | 3,496 |
| Noncurrent loans to loans | 0.1929% | 3,265 |
| Net loans and leases to total assets | 56.4411% | 2,846 |
| Net loans and leases to deposits | 63.9788% | 3,002 |
| Net loans and leases to core deposits | 64.6237% | 3,232 |
| Total domestic deposits to total assets | 88.2185% | 1,709 |
| Equity capital to assets | 10.7785% | 2,165 |
| Core capital (leverage) ratio | 10.6514% | 1,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $442,318,333 | 1,871 |
| Average earning assets | $414,399,333 | 1,863 |
| Average equity | $47,992,333 | 1,831 |
| Average total loans | $265,944,333 | 1,895 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2572% | 1,105 |
| Cost of funding earning assets | 0.2830% | 3,162 |
| Net interest margin | 3.9743% | 881 |
| Noninterest income to average assets | 0.7003% | 1,865 |
| Noninterest expense to average assets | 2.2514% | 2,937 |
| Loan and lease loss provision to assets | 0.0877% | 1,503 |
| Net operating income to assets | 1.6664% | 995 |
| Return on assets (ROA) | 1.6664% | 1,044 |
| Pretax return on assets | 2.0807% | 828 |
| Return on Equity (ROE) | 15.3046% | 1,152 |
| Retained earnings to average equity (ytd only) | 14.4572% | 701 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6054% | 4,139 |
| Assets per employee ($millions) | 5.5109% | 3,102 |
| Cash dividends to net income (ytd only)* | 5.5371% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9301% | 4,075 |
| Loan loss allowance to noncurrent loans | 215.0943% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.2549% | 2,867 |
| Noncurrent loans to loans | 0.4324% | 2,562 |
| Net loans and leases to total assets | 58.4050% | 2,755 |
| Net loans and leases to deposits | 66.0193% | 2,915 |
| Net loans and leases to core deposits | 66.7515% | 3,175 |
| Total domestic deposits to total assets | 88.4667% | 1,622 |
| Equity capital to assets | 10.4133% | 2,349 |
| Core capital (leverage) ratio | 10.7894% | 1,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $433,510,500 | 1,889 |
| Average earning assets | $405,711,000 | 1,885 |
| Average equity | $47,201,500 | 1,853 |
| Average total loans | $267,774,000 | 1,887 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9609% | 528 |
| Cost of funding earning assets | 0.4187% | 3,473 |
| Net interest margin | 4.5422% | 302 |
| Noninterest income to average assets | 0.7953% | 1,544 |
| Noninterest expense to average assets | 2.5410% | 2,715 |
| Loan and lease loss provision to assets | 0.2352% | 1,654 |
| Net operating income to assets | 1.7994% | 390 |
| Return on assets (ROA) | 1.8044% | 414 |
| Pretax return on assets | 2.2491% | 279 |
| Return on Equity (ROE) | 15.2590% | 595 |
| Retained earnings to average equity (ytd only) | 13.2957% | 223 |
| Net charge-offs to loans | 0.1778% | 942 |
| Credit loss provision to net charge-offs | 184.7639% | 2,242 |
| Earnings coverage of net charge-offs (x) | 19.4914% | 1,978 |
| Efficiency ratio | 50.2691% | 4,513 |
| Assets per employee ($millions) | 4.8764% | 3,526 |
| Cash dividends to net income (ytd only)* | 12.8666% | 3,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9075% | 4,168 |
| Loan loss allowance to noncurrent loans | 170.4096% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.3457% | 2,606 |
| Noncurrent loans to loans | 0.5325% | 2,384 |
| Net loans and leases to total assets | 64.3235% | 2,319 |
| Net loans and leases to deposits | 73.4198% | 2,545 |
| Net loans and leases to core deposits | 74.3364% | 2,883 |
| Total domestic deposits to total assets | 87.6106% | 1,652 |
| Equity capital to assets | 11.4185% | 1,943 |
| Core capital (leverage) ratio | 11.7577% | 1,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $366,541,400 | 1,978 |
| Average earning assets | $340,846,600 | 1,979 |
| Average equity | $43,344,800 | 1,895 |
| Average total loans | $262,059,600 | 1,861 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0646% | 539 |
| Cost of funding earning assets | 0.4595% | 3,472 |
| Net interest margin | 4.6051% | 306 |
| Noninterest income to average assets | 0.7866% | 1,546 |
| Noninterest expense to average assets | 2.5615% | 2,654 |
| Loan and lease loss provision to assets | 0.1282% | 2,746 |
| Net operating income to assets | 1.8995% | 372 |
| Return on assets (ROA) | 1.9064% | 401 |
| Pretax return on assets | 2.3831% | 248 |
| Return on Equity (ROE) | 15.9633% | 550 |
| Retained earnings to average equity (ytd only) | 13.2928% | 304 |
| Net charge-offs to loans | 0.1532% | 955 |
| Credit loss provision to net charge-offs | 114.0000% | 2,522 |
| Earnings coverage of net charge-offs (x) | 22.2600% | 1,834 |
| Efficiency ratio | 50.2183% | 4,477 |
| Assets per employee ($millions) | 4.5259% | 3,818 |
| Cash dividends to net income (ytd only)* | 16.7289% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7562% | 4,467 |
| Loan loss allowance to noncurrent loans | 221.9828% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.2499% | 3,182 |
| Noncurrent loans to loans | 0.3407% | 3,060 |
| Net loans and leases to total assets | 71.1086% | 1,800 |
| Net loans and leases to deposits | 81.8523% | 2,114 |
| Net loans and leases to core deposits | 82.5793% | 2,613 |
| Total domestic deposits to total assets | 86.8743% | 1,718 |
| Equity capital to assets | 11.8194% | 1,787 |
| Core capital (leverage) ratio | 11.5932% | 1,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $355,772,500 | 2,005 |
| Average earning assets | $330,465,500 | 2,005 |
| Average equity | $42,488,000 | 1,908 |
| Average total loans | $261,101,250 | 1,851 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1564% | 623 |
| Cost of funding earning assets | 0.5085% | 3,482 |
| Net interest margin | 4.6479% | 379 |
| Noninterest income to average assets | 0.6990% | 1,739 |
| Noninterest expense to average assets | 2.6159% | 2,610 |
| Loan and lease loss provision to assets | 0.1404% | 2,611 |
| Net operating income to assets | 1.8132% | 485 |
| Return on assets (ROA) | 1.8237% | 527 |
| Pretax return on assets | 2.2782% | 315 |
| Return on Equity (ROE) | 15.2139% | 679 |
| Retained earnings to average equity (ytd only) | 12.4495% | 404 |
| Net charge-offs to loans | 0.1974% | 780 |
| Credit loss provision to net charge-offs | 96.0630% | 2,437 |
| Earnings coverage of net charge-offs (x) | 16.4606% | 1,859 |
| Efficiency ratio | 51.7186% | 4,378 |
| Assets per employee ($millions) | 4.5863% | 3,669 |
| Cash dividends to net income (ytd only)* | 18.1703% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7427% | 4,484 |
| Loan loss allowance to noncurrent loans | 138.7699% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.3885% | 2,738 |
| Noncurrent loans to loans | 0.5352% | 2,562 |
| Net loans and leases to total assets | 70.4957% | 1,952 |
| Net loans and leases to deposits | 80.9472% | 2,318 |
| Net loans and leases to core deposits | 81.7569% | 2,795 |
| Total domestic deposits to total assets | 87.0885% | 1,579 |
| Equity capital to assets | 11.3487% | 2,083 |
| Core capital (leverage) ratio | 13.3574% | 915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $347,637,000 | 2,016 |
| Average earning assets | $323,288,333 | 2,005 |
| Average equity | $41,672,333 | 1,930 |
| Average total loans | $257,335,000 | 1,860 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2991% | 552 |
| Cost of funding earning assets | 0.6116% | 3,373 |
| Net interest margin | 4.6875% | 339 |
| Noninterest income to average assets | 0.6318% | 1,894 |
| Noninterest expense to average assets | 2.7965% | 2,440 |
| Loan and lease loss provision to assets | 0.0447% | 3,221 |
| Net operating income to assets | 1.7221% | 490 |
| Return on assets (ROA) | 1.7444% | 510 |
| Pretax return on assets | 2.1696% | 319 |
| Return on Equity (ROE) | 14.1193% | 677 |
| Retained earnings to average equity (ytd only) | 11.7824% | 444 |
| Net charge-offs to loans | 0.2185% | 644 |
| Credit loss provision to net charge-offs | 27.0073% | 2,168 |
| Earnings coverage of net charge-offs (x) | 13.2117% | 1,664 |
| Efficiency ratio | 55.7333% | 4,231 |
| Assets per employee ($millions) | 4.1313% | 3,746 |
| Cash dividends to net income (ytd only)* | 16.5512% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7671% | 4,476 |
| Loan loss allowance to noncurrent loans | 91.0731% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 0.6235% | 2,138 |
| Noncurrent loans to loans | 0.8423% | 1,928 |
| Net loans and leases to total assets | 72.3562% | 1,866 |
| Net loans and leases to deposits | 83.6105% | 2,275 |
| Net loans and leases to core deposits | 84.6315% | 2,791 |
| Total domestic deposits to total assets | 86.5396% | 1,756 |
| Equity capital to assets | 12.1723% | 1,943 |
| Core capital (leverage) ratio | 12.4056% | 1,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $331,125,500 | 2,034 |
| Average earning assets | $307,372,000 | 2,039 |
| Average equity | $40,908,500 | 1,952 |
| Average total loans | $250,824,000 | 1,851 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3302% | 777 |
| Cost of funding earning assets | 0.6485% | 3,417 |
| Net interest margin | 4.6817% | 491 |
| Noninterest income to average assets | 0.6183% | 2,143 |
| Noninterest expense to average assets | 2.8558% | 2,425 |
| Loan and lease loss provision to assets | 0.0559% | 2,910 |
| Net operating income to assets | 1.6359% | 764 |
| Return on assets (ROA) | 1.6359% | 811 |
| Pretax return on assets | 2.0357% | 556 |
| Return on Equity (ROE) | 13.6269% | 979 |
| Retained earnings to average equity (ytd only) | 11.4329% | 285 |
| Net charge-offs to loans | 0.0160% | 3,147 |
| Credit loss provision to net charge-offs | 457.8947% | 634 |
| Earnings coverage of net charge-offs (x) | 171.3684% | 443 |
| Efficiency ratio | 57.2940% | 4,053 |
| Assets per employee ($millions) | 3.7135% | 4,260 |
| Cash dividends to net income (ytd only)* | 16.1005% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8020% | 4,297 |
| Loan loss allowance to noncurrent loans | 125.8890% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 0.5151% | 2,358 |
| Noncurrent loans to loans | 0.6371% | 2,292 |
| Net loans and leases to total assets | 78.1592% | 1,057 |
| Net loans and leases to deposits | 90.6380% | 1,522 |
| Net loans and leases to core deposits | 91.6894% | 2,258 |
| Total domestic deposits to total assets | 86.2323% | 1,968 |
| Equity capital to assets | 12.5499% | 1,787 |
| Core capital (leverage) ratio | 12.4069% | 1,532 |
| Tier 1 risk-based capital ratio | 15.6823% | 2,511 |
| Total risk-based capital ratio | 16.4798% | 2,622 |
| Memoranda: | ||
| Average total assets | $311,336,200 | 2,097 |
| Average earning assets | $287,886,000 | 2,100 |
| Average equity | $37,374,600 | 2,037 |
| Average total loans | $237,109,200 | 1,904 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2529% | 941 |
| Cost of funding earning assets | 0.6568% | 3,420 |
| Net interest margin | 4.5961% | 626 |
| Noninterest income to average assets | 0.6366% | 2,044 |
| Noninterest expense to average assets | 2.8336% | 2,460 |
| Loan and lease loss provision to assets | 0.0108% | 3,672 |
| Net operating income to assets | 1.6392% | 847 |
| Return on assets (ROA) | 1.6392% | 892 |
| Pretax return on assets | 2.0392% | 631 |
| Return on Equity (ROE) | 13.8168% | 1,021 |
| Retained earnings to average equity (ytd only) | 11.5642% | 440 |
| Net charge-offs to loans | 0.0228% | 2,644 |
| Credit loss provision to net charge-offs | 62.5000% | 2,687 |
| Earnings coverage of net charge-offs (x) | 118.9044% | 657 |
| Efficiency ratio | 57.5905% | 3,992 |
| Assets per employee ($millions) | 3.7492% | 4,218 |
| Cash dividends to net income (ytd only)* | 16.3030% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7528% | 4,537 |
| Loan loss allowance to noncurrent loans | 123.3157% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.4920% | 2,561 |
| Noncurrent loans to loans | 0.6104% | 2,453 |
| Net loans and leases to total assets | 77.2415% | 1,275 |
| Net loans and leases to deposits | 89.6576% | 1,740 |
| Net loans and leases to core deposits | 91.2107% | 2,444 |
| Total domestic deposits to total assets | 86.1517% | 1,923 |
| Equity capital to assets | 12.1648% | 2,142 |
| Core capital (leverage) ratio | 12.2336% | 1,713 |
| Tier 1 risk-based capital ratio | 15.2838% | 2,722 |
| Total risk-based capital ratio | 16.0285% | 2,888 |
| Memoranda: | ||
| Average total assets | $309,331,000 | 2,121 |
| Average earning assets | $285,829,000 | 2,126 |
| Average equity | $36,698,500 | 2,079 |
| Average total loans | $233,480,250 | 1,952 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1780% | 1,026 |
| Cost of funding earning assets | 0.6387% | 3,470 |
| Net interest margin | 4.5393% | 704 |
| Noninterest income to average assets | 0.6022% | 2,142 |
| Noninterest expense to average assets | 2.8274% | 2,492 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5937% | 923 |
| Return on assets (ROA) | 1.5937% | 966 |
| Pretax return on assets | 1.9757% | 711 |
| Return on Equity (ROE) | 13.5522% | 1,086 |
| Retained earnings to average equity (ytd only) | 11.3305% | 508 |
| Net charge-offs to loans | 0.0359% | 2,154 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 73.7805% | 859 |
| Efficiency ratio | 58.4172% | 3,951 |
| Assets per employee ($millions) | 3.7821% | 4,150 |
| Cash dividends to net income (ytd only)* | 16.3934% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7856% | 4,491 |
| Loan loss allowance to noncurrent loans | 329.9283% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.1973% | 3,787 |
| Noncurrent loans to loans | 0.2381% | 3,685 |
| Net loans and leases to total assets | 74.9645% | 1,729 |
| Net loans and leases to deposits | 85.5088% | 2,312 |
| Net loans and leases to core deposits | 87.2029% | 2,873 |
| Total domestic deposits to total assets | 87.6688% | 1,259 |
| Equity capital to assets | 12.0945% | 2,120 |
| Core capital (leverage) ratio | 11.9518% | 1,857 |
| Tier 1 risk-based capital ratio | 15.7234% | 2,538 |
| Total risk-based capital ratio | 16.5024% | 2,668 |
| Memoranda: | ||
| Average total assets | $306,214,330 | 2,150 |
| Average earning assets | $283,392,670 | 2,145 |
| Average equity | $36,009,000 | 2,100 |
| Average total loans | $228,633,330 | 1,989 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0745% | 1,153 |
| Cost of funding earning assets | 0.5845% | 3,653 |
| Net interest margin | 4.4900% | 758 |
| Noninterest income to average assets | 0.6021% | 2,035 |
| Noninterest expense to average assets | 2.8213% | 2,496 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5658% | 971 |
| Return on assets (ROA) | 1.5658% | 998 |
| Pretax return on assets | 1.9418% | 716 |
| Return on Equity (ROE) | 13.5114% | 1,078 |
| Retained earnings to average equity (ytd only) | 11.8098% | 647 |
| Net charge-offs to loans | 0.0124% | 2,250 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 211.0000% | 367 |
| Efficiency ratio | 58.7911% | 3,979 |
| Assets per employee ($millions) | 3.8399% | 4,133 |
| Cash dividends to net income (ytd only)* | 12.5945% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8213% | 4,453 |
| Loan loss allowance to noncurrent loans | 844.5946% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.1399% | 4,106 |
| Noncurrent loans to loans | 0.0972% | 4,311 |
| Net loans and leases to total assets | 72.7980% | 2,024 |
| Net loans and leases to deposits | 82.5170% | 2,561 |
| Net loans and leases to core deposits | 83.5572% | 3,058 |
| Total domestic deposits to total assets | 88.2218% | 1,226 |
| Equity capital to assets | 11.5644% | 2,339 |
| Core capital (leverage) ratio | 11.8497% | 1,871 |
| Tier 1 risk-based capital ratio | 15.7579% | 2,544 |
| Total risk-based capital ratio | 16.5753% | 2,652 |
| Memoranda: | ||
| Average total assets | $304,255,500 | 2,178 |
| Average earning assets | $281,958,500 | 2,164 |
| Average equity | $35,259,000 | 2,129 |
| Average total loans | $225,785,000 | 2,021 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9323% | 1,200 |
| Cost of funding earning assets | 0.3682% | 4,174 |
| Net interest margin | 4.5642% | 667 |
| Noninterest income to average assets | 0.6543% | 2,031 |
| Noninterest expense to average assets | 2.8385% | 2,554 |
| Loan and lease loss provision to assets | 0.1355% | 1,593 |
| Net operating income to assets | 1.5512% | 993 |
| Return on assets (ROA) | 1.5484% | 991 |
| Pretax return on assets | 1.9162% | 686 |
| Return on Equity (ROE) | 13.9399% | 1,059 |
| Retained earnings to average equity (ytd only) | 11.6945% | 343 |
| Net charge-offs to loans | 0.0135% | 3,224 |
| Credit loss provision to net charge-offs | 1,407.1429% | 301 |
| Earnings coverage of net charge-offs (x) | 213.3571% | 433 |
| Efficiency ratio | 57.5395% | 4,206 |
| Assets per employee ($millions) | 3.6278% | 4,416 |
| Cash dividends to net income (ytd only)* | 16.1075% | 3,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8429% | 4,381 |
| Loan loss allowance to noncurrent loans | 424.8307% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.1889% | 3,871 |
| Noncurrent loans to loans | 0.1984% | 3,868 |
| Net loans and leases to total assets | 74.4214% | 1,860 |
| Net loans and leases to deposits | 84.2847% | 2,483 |
| Net loans and leases to core deposits | 85.5176% | 2,949 |
| Total domestic deposits to total assets | 88.2977% | 1,159 |
| Equity capital to assets | 11.6139% | 2,167 |
| Core capital (leverage) ratio | 11.9125% | 1,792 |
| Tier 1 risk-based capital ratio | 15.7098% | 2,526 |
| Total risk-based capital ratio | 16.5525% | 2,623 |
| Memoranda: | ||
| Average total assets | $290,681,400 | 2,205 |
| Average earning assets | $269,993,800 | 2,196 |
| Average equity | $32,288,600 | 2,198 |
| Average total loans | $207,573,000 | 2,114 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8852% | 1,198 |
| Cost of funding earning assets | 0.3504% | 4,180 |
| Net interest margin | 4.5347% | 689 |
| Noninterest income to average assets | 0.6547% | 2,050 |
| Noninterest expense to average assets | 2.8633% | 2,422 |
| Loan and lease loss provision to assets | 0.1001% | 2,001 |
| Net operating income to assets | 1.5401% | 1,092 |
| Return on assets (ROA) | 1.5364% | 1,104 |
| Pretax return on assets | 1.9018% | 812 |
| Return on Equity (ROE) | 13.9956% | 1,124 |
| Retained earnings to average equity (ytd only) | 11.5789% | 541 |
| Net charge-offs to loans | 0.0065% | 3,198 |
| Credit loss provision to net charge-offs | 2,170.0000% | 193 |
| Earnings coverage of net charge-offs (x) | 434.9977% | 214 |
| Efficiency ratio | 58.3325% | 4,064 |
| Assets per employee ($millions) | 3.5764% | 4,460 |
| Cash dividends to net income (ytd only)* | 17.2673% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7929% | 4,645 |
| Loan loss allowance to noncurrent loans | 535.0932% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.1370% | 4,262 |
| Noncurrent loans to loans | 0.1482% | 4,224 |
| Net loans and leases to total assets | 74.4157% | 1,919 |
| Net loans and leases to deposits | 84.7212% | 2,514 |
| Net loans and leases to core deposits | 85.9713% | 2,992 |
| Total domestic deposits to total assets | 87.8359% | 1,319 |
| Equity capital to assets | 11.3560% | 2,352 |
| Core capital (leverage) ratio | 11.5746% | 2,114 |
| Tier 1 risk-based capital ratio | 15.5658% | 2,621 |
| Total risk-based capital ratio | 16.3588% | 2,759 |
| Memoranda: | ||
| Average total assets | $288,982,000 | 2,225 |
| Average earning assets | $268,616,500 | 2,219 |
| Average equity | $31,723,500 | 2,237 |
| Average total loans | $203,648,750 | 2,155 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8419% | 1,145 |
| Cost of funding earning assets | 0.3243% | 4,243 |
| Net interest margin | 4.5176% | 673 |
| Noninterest income to average assets | 0.6629% | 2,038 |
| Noninterest expense to average assets | 2.8412% | 2,529 |
| Loan and lease loss provision to assets | 0.0582% | 2,738 |
| Net operating income to assets | 1.5876% | 940 |
| Return on assets (ROA) | 1.5820% | 964 |
| Pretax return on assets | 1.9540% | 676 |
| Return on Equity (ROE) | 14.5792% | 940 |
| Retained earnings to average equity (ytd only) | 12.0259% | 512 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9877% | 4,237 |
| Assets per employee ($millions) | 3.5392% | 4,544 |
| Cash dividends to net income (ytd only)* | 17.5131% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7550% | 4,815 |
| Loan loss allowance to noncurrent loans | 761.9048% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 4,500 |
| Noncurrent loans to loans | 0.0991% | 4,464 |
| Net loans and leases to total assets | 73.3613% | 2,062 |
| Net loans and leases to deposits | 84.2284% | 2,512 |
| Net loans and leases to core deposits | 86.6761% | 2,853 |
| Total domestic deposits to total assets | 87.0980% | 1,802 |
| Equity capital to assets | 11.1948% | 2,458 |
| Core capital (leverage) ratio | 11.4145% | 2,147 |
| Tier 1 risk-based capital ratio | 15.6010% | 2,584 |
| Total risk-based capital ratio | 16.3590% | 2,748 |
| Memoranda: | ||
| Average total assets | $288,746,330 | 2,238 |
| Average earning assets | $268,283,330 | 2,221 |
| Average equity | $31,332,330 | 2,268 |
| Average total loans | $199,099,330 | 2,197 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6711% | 1,375 |
| Cost of funding earning assets | 0.3172% | 4,215 |
| Net interest margin | 4.3539% | 849 |
| Noninterest income to average assets | 0.6419% | 2,068 |
| Noninterest expense to average assets | 2.8104% | 2,656 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5198% | 1,033 |
| Return on assets (ROA) | 1.5198% | 1,033 |
| Pretax return on assets | 1.8676% | 783 |
| Return on Equity (ROE) | 14.2285% | 958 |
| Retained earnings to average equity (ytd only) | 11.6438% | 755 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6046% | 4,117 |
| Assets per employee ($millions) | 3.6107% | 4,526 |
| Cash dividends to net income (ytd only)* | 18.1653% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7706% | 4,864 |
| Loan loss allowance to noncurrent loans | 12,633.3333% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0294% | 4,959 |
| Noncurrent loans to loans | 0.0061% | 4,993 |
| Net loans and leases to total assets | 65.9348% | 3,042 |
| Net loans and leases to deposits | 73.9435% | 3,420 |
| Net loans and leases to core deposits | 76.6626% | 3,609 |
| Total domestic deposits to total assets | 89.1691% | 1,017 |
| Equity capital to assets | 10.5316% | 3,046 |
| Core capital (leverage) ratio | 11.0306% | 2,411 |
| Tier 1 risk-based capital ratio | 15.8431% | 2,543 |
| Total risk-based capital ratio | 16.5952% | 2,660 |
| Memoranda: | ||
| Average total assets | $289,781,000 | 2,251 |
| Average earning assets | $268,631,500 | 2,237 |
| Average equity | $30,952,000 | 2,308 |
| Average total loans | $192,694,000 | 2,250 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5615% | 1,535 |
| Cost of funding earning assets | 0.3001% | 4,139 |
| Net interest margin | 4.2614% | 1,052 |
| Noninterest income to average assets | 0.6650% | 2,115 |
| Noninterest expense to average assets | 2.8469% | 2,619 |
| Loan and lease loss provision to assets | 0.0262% | 3,772 |
| Net operating income to assets | 1.2401% | 1,391 |
| Return on assets (ROA) | 1.2404% | 1,409 |
| Pretax return on assets | 1.7760% | 847 |
| Return on Equity (ROE) | 11.8527% | 1,252 |
| Retained earnings to average equity (ytd only) | 10.4832% | 287 |
| Net charge-offs to loans | 0.0797% | 2,309 |
| Credit loss provision to net charge-offs | 50.6944% | 3,324 |
| Earnings coverage of net charge-offs (x) | 34.9236% | 1,379 |
| Efficiency ratio | 60.7322% | 4,153 |
| Assets per employee ($millions) | 3.5884% | 4,590 |
| Cash dividends to net income (ytd only)* | 11.5540% | 3,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8036% | 4,815 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 5,020 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 66.0135% | 3,097 |
| Net loans and leases to deposits | 74.2478% | 3,499 |
| Net loans and leases to core deposits | 77.2648% | 3,647 |
| Total domestic deposits to total assets | 88.9097% | 1,042 |
| Equity capital to assets | 10.8373% | 2,794 |
| Core capital (leverage) ratio | 10.8518% | 2,471 |
| Tier 1 risk-based capital ratio | 16.1316% | 2,387 |
| Total risk-based capital ratio | 16.9201% | 2,498 |
| Memoranda: | ||
| Average total assets | $279,114,000 | 2,294 |
| Average earning assets | $260,921,000 | 2,278 |
| Average equity | $29,208,600 | 2,413 |
| Average total loans | $180,733,000 | 2,322 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5215% | 1,583 |
| Cost of funding earning assets | 0.2925% | 4,206 |
| Net interest margin | 4.2290% | 1,086 |
| Noninterest income to average assets | 0.6537% | 2,188 |
| Noninterest expense to average assets | 2.7796% | 2,800 |
| Loan and lease loss provision to assets | 0.0350% | 3,418 |
| Net operating income to assets | 1.2393% | 1,548 |
| Return on assets (ROA) | 1.2397% | 1,573 |
| Pretax return on assets | 1.8060% | 879 |
| Return on Equity (ROE) | 11.9547% | 1,345 |
| Retained earnings to average equity (ytd only) | 10.5673% | 476 |
| Net charge-offs to loans | 0.0127% | 3,284 |
| Credit loss provision to net charge-offs | 429.4118% | 728 |
| Earnings coverage of net charge-offs (x) | 225.7261% | 388 |
| Efficiency ratio | 59.6533% | 4,271 |
| Assets per employee ($millions) | 3.5025% | 4,734 |
| Cash dividends to net income (ytd only)* | 11.6054% | 3,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8724% | 4,684 |
| Loan loss allowance to noncurrent loans | 591.0072% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.0980% | 4,749 |
| Noncurrent loans to loans | 0.1476% | 4,464 |
| Net loans and leases to total assets | 65.8085% | 3,131 |
| Net loans and leases to deposits | 73.9108% | 3,584 |
| Net loans and leases to core deposits | 77.2680% | 3,702 |
| Total domestic deposits to total assets | 89.0377% | 864 |
| Equity capital to assets | 10.6409% | 3,229 |
| Core capital (leverage) ratio | 10.7387% | 2,715 |
| Tier 1 risk-based capital ratio | 15.5938% | 2,674 |
| Total risk-based capital ratio | 16.4503% | 2,766 |
| Memoranda: | ||
| Average total assets | $278,021,750 | 2,314 |
| Average earning assets | $260,763,250 | 2,289 |
| Average equity | $28,830,250 | 2,455 |
| Average total loans | $178,753,000 | 2,351 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4788% | 1,576 |
| Cost of funding earning assets | 0.2921% | 4,159 |
| Net interest margin | 4.1867% | 1,104 |
| Noninterest income to average assets | 0.6468% | 2,223 |
| Noninterest expense to average assets | 2.7799% | 2,830 |
| Loan and lease loss provision to assets | 0.0094% | 3,743 |
| Net operating income to assets | 1.2335% | 1,489 |
| Return on assets (ROA) | 1.2335% | 1,520 |
| Pretax return on assets | 1.7926% | 860 |
| Return on Equity (ROE) | 12.0024% | 1,298 |
| Retained earnings to average equity (ytd only) | 10.9452% | 445 |
| Net charge-offs to loans | 0.0182% | 2,883 |
| Credit loss provision to net charge-offs | 81.2500% | 2,243 |
| Earnings coverage of net charge-offs (x) | 155.5000% | 487 |
| Efficiency ratio | 60.1486% | 4,296 |
| Assets per employee ($millions) | 3.4124% | 4,844 |
| Cash dividends to net income (ytd only)* | 8.8080% | 3,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8705% | 4,749 |
| Loan loss allowance to noncurrent loans | 597.7358% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 4,804 |
| Noncurrent loans to loans | 0.1456% | 4,534 |
| Net loans and leases to total assets | 66.0739% | 3,094 |
| Net loans and leases to deposits | 74.3519% | 3,510 |
| Net loans and leases to core deposits | 77.0404% | 3,676 |
| Total domestic deposits to total assets | 88.8664% | 1,024 |
| Equity capital to assets | 10.8113% | 3,021 |
| Core capital (leverage) ratio | 10.5372% | 2,872 |
| Tier 1 risk-based capital ratio | 15.8500% | 2,567 |
| Total risk-based capital ratio | 16.7109% | 2,657 |
| Memoranda: | ||
| Average total assets | $276,129,330 | 2,335 |
| Average earning assets | $259,535,670 | 2,300 |
| Average equity | $28,377,670 | 2,481 |
| Average total loans | $175,557,000 | 2,391 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3813% | 1,710 |
| Cost of funding earning assets | 0.2872% | 4,169 |
| Net interest margin | 4.0941% | 1,229 |
| Noninterest income to average assets | 0.6194% | 2,324 |
| Noninterest expense to average assets | 2.7570% | 2,935 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2071% | 1,490 |
| Return on assets (ROA) | 1.2071% | 1,525 |
| Pretax return on assets | 1.7227% | 959 |
| Return on Equity (ROE) | 12.0534% | 1,221 |
| Retained earnings to average equity (ytd only) | 10.9747% | 613 |
| Net charge-offs to loans | 0.0418% | 1,992 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 66.4444% | 744 |
| Efficiency ratio | 61.0289% | 4,317 |
| Assets per employee ($millions) | 3.4923% | 4,794 |
| Cash dividends to net income (ytd only)* | 8.9499% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9095% | 4,721 |
| Loan loss allowance to noncurrent loans | 635.2227% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.0863% | 4,931 |
| Noncurrent loans to loans | 0.1432% | 4,616 |
| Net loans and leases to total assets | 59.6942% | 3,817 |
| Net loans and leases to deposits | 66.5562% | 4,127 |
| Net loans and leases to core deposits | 69.3846% | 4,193 |
| Total domestic deposits to total assets | 89.6899% | 799 |
| Equity capital to assets | 9.8931% | 3,884 |
| Core capital (leverage) ratio | 10.2240% | 3,214 |
| Tier 1 risk-based capital ratio | 16.2000% | 2,475 |
| Total risk-based capital ratio | 17.0964% | 2,556 |
| Memoranda: | ||
| Average total assets | $277,697,500 | 2,342 |
| Average earning assets | $261,841,000 | 2,306 |
| Average equity | $27,809,500 | 2,527 |
| Average total loans | $172,355,000 | 2,434 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4471% | 1,696 |
| Cost of funding earning assets | 0.1500% | 5,426 |
| Net interest margin | 4.2972% | 936 |
| Noninterest income to average assets | 0.7834% | 1,813 |
| Noninterest expense to average assets | 2.9843% | 2,392 |
| Loan and lease loss provision to assets | 0.0695% | 2,965 |
| Net operating income to assets | 1.3609% | 1,076 |
| Return on assets (ROA) | 1.3870% | 1,072 |
| Pretax return on assets | 1.8223% | 756 |
| Return on Equity (ROE) | 13.1015% | 972 |
| Retained earnings to average equity (ytd only) | 10.8960% | 316 |
| Net charge-offs to loans | 0.0355% | 3,317 |
| Credit loss provision to net charge-offs | 315.7895% | 941 |
| Earnings coverage of net charge-offs (x) | 84.4386% | 685 |
| Efficiency ratio | 61.1111% | 4,394 |
| Assets per employee ($millions) | 3.2808% | 5,068 |
| Cash dividends to net income (ytd only)* | 16.8336% | 3,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9216% | 4,689 |
| Loan loss allowance to noncurrent loans | 3,051.9231% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 5,313 |
| Noncurrent loans to loans | 0.0302% | 5,147 |
| Net loans and leases to total assets | 63.4170% | 3,425 |
| Net loans and leases to deposits | 70.7690% | 3,831 |
| Net loans and leases to core deposits | 74.6002% | 3,869 |
| Total domestic deposits to total assets | 89.6113% | 819 |
| Equity capital to assets | 10.2634% | 3,433 |
| Core capital (leverage) ratio | 10.3423% | 3,056 |
| Tier 1 risk-based capital ratio | 16.1608% | 2,485 |
| Total risk-based capital ratio | 17.0800% | 2,541 |
| Memoranda: | ||
| Average total assets | $259,123,200 | 2,447 |
| Average earning assets | $244,719,800 | 2,400 |
| Average equity | $27,432,000 | 2,542 |
| Average total loans | $160,709,400 | 2,513 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4198% | 1,797 |
| Cost of funding earning assets | 0.1001% | 5,771 |
| Net interest margin | 4.3197% | 894 |
| Noninterest income to average assets | 0.8135% | 1,704 |
| Noninterest expense to average assets | 2.9887% | 2,353 |
| Loan and lease loss provision to assets | 0.0836% | 2,542 |
| Net operating income to assets | 1.4325% | 1,001 |
| Return on assets (ROA) | 1.4333% | 1,049 |
| Pretax return on assets | 1.8214% | 863 |
| Return on Equity (ROE) | 13.4317% | 938 |
| Retained earnings to average equity (ytd only) | 11.2166% | 401 |
| Net charge-offs to loans | 0.0507% | 2,646 |
| Credit loss provision to net charge-offs | 268.3333% | 1,143 |
| Earnings coverage of net charge-offs (x) | 61.0818% | 941 |
| Efficiency ratio | 60.5543% | 4,457 |
| Assets per employee ($millions) | 3.2832% | 5,069 |
| Cash dividends to net income (ytd only)* | 16.4915% | 3,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9299% | 4,753 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0320% | 5,367 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 62.6976% | 3,553 |
| Net loans and leases to deposits | 70.4103% | 3,951 |
| Net loans and leases to core deposits | 74.2730% | 3,975 |
| Total domestic deposits to total assets | 89.0461% | 881 |
| Equity capital to assets | 10.6049% | 3,449 |
| Core capital (leverage) ratio | 10.3405% | 3,173 |
| Tier 1 risk-based capital ratio | 15.9855% | 2,633 |
| Total risk-based capital ratio | 16.9069% | 2,697 |
| Memoranda: | ||
| Average total assets | $256,648,000 | 2,462 |
| Average earning assets | $242,356,000 | 2,425 |
| Average equity | $27,387,250 | 2,561 |
| Average total loans | $157,838,250 | 2,552 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3844% | 1,872 |
| Cost of funding earning assets | 0.0033% | 6,037 |
| Net interest margin | 4.3811% | 790 |
| Noninterest income to average assets | 0.8298% | 1,612 |
| Noninterest expense to average assets | 3.0645% | 2,159 |
| Loan and lease loss provision to assets | 0.0442% | 3,265 |
| Net operating income to assets | 1.5408% | 827 |
| Return on assets (ROA) | 1.5421% | 868 |
| Pretax return on assets | 1.8647% | 752 |
| Return on Equity (ROE) | 14.4199% | 765 |
| Retained earnings to average equity (ytd only) | 12.5759% | 266 |
| Net charge-offs to loans | 0.0544% | 2,425 |
| Credit loss provision to net charge-offs | 133.3333% | 1,741 |
| Earnings coverage of net charge-offs (x) | 57.5714% | 909 |
| Efficiency ratio | 61.1138% | 4,493 |
| Assets per employee ($millions) | 3.3764% | 4,960 |
| Cash dividends to net income (ytd only)* | 12.7877% | 3,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9299% | 4,849 |
| Loan loss allowance to noncurrent loans | 1,263.2479% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 5,382 |
| Noncurrent loans to loans | 0.0736% | 5,157 |
| Net loans and leases to total assets | 62.1828% | 3,605 |
| Net loans and leases to deposits | 70.2446% | 3,962 |
| Net loans and leases to core deposits | 72.8976% | 4,095 |
| Total domestic deposits to total assets | 88.5231% | 1,155 |
| Equity capital to assets | 11.2036% | 2,845 |
| Core capital (leverage) ratio | 10.7214% | 2,723 |
| Tier 1 risk-based capital ratio | 16.8464% | 2,282 |
| Total risk-based capital ratio | 17.7554% | 2,374 |
| Memoranda: | ||
| Average total assets | $253,549,670 | 2,503 |
| Average earning assets | $239,711,000 | 2,459 |
| Average equity | $27,115,330 | 2,587 |
| Average total loans | $154,349,330 | 2,598 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2854% | 2,184 |
| Cost of funding earning assets | 0.2835% | 4,350 |
| Net interest margin | 4.0020% | 1,609 |
| Noninterest income to average assets | 0.5297% | 2,934 |
| Noninterest expense to average assets | 2.8962% | 2,717 |
| Loan and lease loss provision to assets | 0.0047% | 3,613 |
| Net operating income to assets | 1.0367% | 2,132 |
| Return on assets (ROA) | 1.0390% | 2,246 |
| Pretax return on assets | 1.4158% | 1,859 |
| Return on Equity (ROE) | 9.9519% | 2,000 |
| Retained earnings to average equity (ytd only) | 8.4417% | 1,282 |
| Net charge-offs to loans | 0.0552% | 1,969 |
| Credit loss provision to net charge-offs | 14.2857% | 2,335 |
| Earnings coverage of net charge-offs (x) | 42.8095% | 973 |
| Efficiency ratio | 66.5570% | 3,708 |
| Assets per employee ($millions) | 3.4860% | 4,832 |
| Cash dividends to net income (ytd only)* | 15.1745% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9379% | 4,915 |
| Loan loss allowance to noncurrent loans | 525.8182% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.1052% | 5,159 |
| Noncurrent loans to loans | 0.1784% | 4,770 |
| Net loans and leases to total assets | 58.4184% | 3,993 |
| Net loans and leases to deposits | 65.5583% | 4,298 |
| Net loans and leases to core deposits | 67.6252% | 4,429 |
| Total domestic deposits to total assets | 89.1092% | 1,051 |
| Equity capital to assets | 10.3431% | 3,694 |
| Core capital (leverage) ratio | 10.3437% | 3,135 |
| Tier 1 risk-based capital ratio | 16.5941% | 2,442 |
| Total risk-based capital ratio | 17.5089% | 2,527 |
| Memoranda: | ||
| Average total assets | $253,709,000 | 2,513 |
| Average earning assets | $239,881,500 | 2,468 |
| Average equity | $26,487,500 | 2,630 |
| Average total loans | $152,052,000 | 2,617 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4008% | 1,900 |
| Cost of funding earning assets | 0.3330% | 3,873 |
| Net interest margin | 4.0678% | 1,493 |
| Noninterest income to average assets | 0.6842% | 2,274 |
| Noninterest expense to average assets | 3.0384% | 2,421 |
| Loan and lease loss provision to assets | 0.0703% | 2,875 |
| Net operating income to assets | 1.0186% | 2,268 |
| Return on assets (ROA) | 1.0192% | 2,337 |
| Pretax return on assets | 1.4086% | 1,865 |
| Return on Equity (ROE) | 9.9446% | 2,033 |
| Retained earnings to average equity (ytd only) | 7.0913% | 1,242 |
| Net charge-offs to loans | 0.1231% | 2,139 |
| Credit loss provision to net charge-offs | 94.5055% | 2,669 |
| Earnings coverage of net charge-offs (x) | 19.8571% | 1,915 |
| Efficiency ratio | 66.7753% | 3,783 |
| Assets per employee ($millions) | 3.3239% | 5,112 |
| Cash dividends to net income (ytd only)* | 28.6918% | 3,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9765% | 4,731 |
| Loan loss allowance to noncurrent loans | 612.5523% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.1537% | 4,980 |
| Noncurrent loans to loans | 0.1594% | 4,853 |
| Net loans and leases to total assets | 60.3570% | 3,787 |
| Net loans and leases to deposits | 67.8533% | 4,142 |
| Net loans and leases to core deposits | 70.3594% | 4,279 |
| Total domestic deposits to total assets | 88.9522% | 1,139 |
| Equity capital to assets | 10.5432% | 3,310 |
| Core capital (leverage) ratio | 10.3328% | 3,122 |
| Tier 1 risk-based capital ratio | 16.7425% | 2,380 |
| Total risk-based capital ratio | 17.6978% | 2,464 |
| Memoranda: | ||
| Average total assets | $244,503,000 | 2,543 |
| Average earning assets | $230,347,000 | 2,510 |
| Average equity | $25,058,800 | 2,688 |
| Average total loans | $147,902,000 | 2,627 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3966% | 1,927 |
| Cost of funding earning assets | 0.3348% | 3,923 |
| Net interest margin | 4.0618% | 1,525 |
| Noninterest income to average assets | 0.6892% | 2,284 |
| Noninterest expense to average assets | 3.0130% | 2,480 |
| Loan and lease loss provision to assets | 0.0868% | 2,424 |
| Net operating income to assets | 1.0210% | 2,372 |
| Return on assets (ROA) | 1.0218% | 2,461 |
| Pretax return on assets | 1.4139% | 1,958 |
| Return on Equity (ROE) | 10.0426% | 2,087 |
| Retained earnings to average equity (ytd only) | 6.7416% | 1,811 |
| Net charge-offs to loans | 0.1547% | 1,593 |
| Credit loss provision to net charge-offs | 92.9825% | 2,427 |
| Earnings coverage of net charge-offs (x) | 16.0588% | 2,142 |
| Efficiency ratio | 66.2955% | 3,841 |
| Assets per employee ($millions) | 3.2657% | 5,183 |
| Cash dividends to net income (ytd only)* | 32.8702% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9835% | 4,825 |
| Loan loss allowance to noncurrent loans | 1,082.9630% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.1160% | 5,284 |
| Noncurrent loans to loans | 0.0908% | 5,267 |
| Net loans and leases to total assets | 60.0991% | 3,872 |
| Net loans and leases to deposits | 67.6920% | 4,221 |
| Net loans and leases to core deposits | 69.5477% | 4,414 |
| Total domestic deposits to total assets | 88.7831% | 1,133 |
| Equity capital to assets | 10.5237% | 3,578 |
| Core capital (leverage) ratio | 10.2641% | 3,293 |
| Tier 1 risk-based capital ratio | 16.4530% | 2,601 |
| Total risk-based capital ratio | 17.4107% | 2,682 |
| Memoranda: | ||
| Average total assets | $244,136,750 | 2,566 |
| Average earning assets | $229,809,250 | 2,530 |
| Average equity | $24,840,250 | 2,727 |
| Average total loans | $147,396,750 | 2,640 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4175% | 1,797 |
| Cost of funding earning assets | 0.3322% | 4,024 |
| Net interest margin | 4.0854% | 1,386 |
| Noninterest income to average assets | 0.7020% | 2,209 |
| Noninterest expense to average assets | 2.9933% | 2,571 |
| Loan and lease loss provision to assets | 0.0836% | 2,446 |
| Net operating income to assets | 1.0571% | 2,111 |
| Return on assets (ROA) | 1.0571% | 2,222 |
| Pretax return on assets | 1.4680% | 1,738 |
| Return on Equity (ROE) | 10.5101% | 1,847 |
| Retained earnings to average equity (ytd only) | 6.3925% | 2,009 |
| Net charge-offs to loans | 0.1783% | 1,389 |
| Credit loss provision to net charge-offs | 77.8626% | 2,360 |
| Earnings coverage of net charge-offs (x) | 14.4427% | 2,058 |
| Efficiency ratio | 65.4637% | 4,102 |
| Assets per employee ($millions) | 3.1694% | 5,388 |
| Cash dividends to net income (ytd only)* | 39.1777% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9878% | 4,926 |
| Loan loss allowance to noncurrent loans | 1,363.2075% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.1049% | 5,448 |
| Noncurrent loans to loans | 0.0725% | 5,440 |
| Net loans and leases to total assets | 59.3513% | 3,927 |
| Net loans and leases to deposits | 66.5005% | 4,290 |
| Net loans and leases to core deposits | 68.1712% | 4,478 |
| Total domestic deposits to total assets | 89.2495% | 1,026 |
| Equity capital to assets | 10.1612% | 3,851 |
| Core capital (leverage) ratio | 10.0383% | 3,541 |
| Tier 1 risk-based capital ratio | 16.4220% | 2,649 |
| Total risk-based capital ratio | 17.3854% | 2,743 |
| Memoranda: | ||
| Average total assets | $243,874,330 | 2,584 |
| Average earning assets | $229,404,330 | 2,544 |
| Average equity | $24,528,670 | 2,766 |
| Average total loans | $146,976,000 | 2,660 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3657% | 1,887 |
| Cost of funding earning assets | 0.3315% | 4,072 |
| Net interest margin | 4.0342% | 1,459 |
| Noninterest income to average assets | 0.6940% | 2,181 |
| Noninterest expense to average assets | 2.9583% | 2,714 |
| Loan and lease loss provision to assets | 0.1641% | 1,220 |
| Net operating income to assets | 0.9910% | 2,303 |
| Return on assets (ROA) | 0.9910% | 2,434 |
| Pretax return on assets | 1.3651% | 2,019 |
| Return on Equity (ROE) | 9.9041% | 2,048 |
| Retained earnings to average equity (ytd only) | 6.3786% | 2,298 |
| Net charge-offs to loans | 0.3231% | 745 |
| Credit loss provision to net charge-offs | 84.0336% | 1,790 |
| Earnings coverage of net charge-offs (x) | 7.8319% | 2,134 |
| Efficiency ratio | 65.7038% | 4,208 |
| Assets per employee ($millions) | 3.3135% | 5,218 |
| Cash dividends to net income (ytd only)* | 35.5960% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9860% | 5,103 |
| Loan loss allowance to noncurrent loans | 1,372.6415% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.1124% | 5,505 |
| Noncurrent loans to loans | 0.0718% | 5,484 |
| Net loans and leases to total assets | 58.0213% | 3,940 |
| Net loans and leases to deposits | 64.8434% | 4,286 |
| Net loans and leases to core deposits | 66.6863% | 4,457 |
| Total domestic deposits to total assets | 89.4791% | 1,000 |
| Equity capital to assets | 9.8549% | 4,316 |
| Core capital (leverage) ratio | 9.9099% | 3,730 |
| Tier 1 risk-based capital ratio | 16.0973% | 2,876 |
| Total risk-based capital ratio | 17.0644% | 2,943 |
| Memoranda: | ||
| Average total assets | $243,789,000 | 2,607 |
| Average earning assets | $229,242,500 | 2,565 |
| Average equity | $24,394,000 | 2,796 |
| Average total loans | $147,319,500 | 2,658 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3837% | 2,275 |
| Cost of funding earning assets | 0.3982% | 3,707 |
| Net interest margin | 3.9855% | 1,934 |
| Noninterest income to average assets | 0.5809% | 2,983 |
| Noninterest expense to average assets | 3.0035% | 2,832 |
| Loan and lease loss provision to assets | 0.0271% | 4,065 |
| Net operating income to assets | 0.9499% | 2,635 |
| Return on assets (ROA) | 0.9499% | 2,714 |
| Pretax return on assets | 1.3282% | 2,146 |
| Return on Equity (ROE) | 9.9428% | 2,149 |
| Retained earnings to average equity (ytd only) | 8.5015% | 829 |
| Net charge-offs to loans | 0.0929% | 3,167 |
| Credit loss provision to net charge-offs | 48.1203% | 3,524 |
| Earnings coverage of net charge-offs (x) | 24.0526% | 1,555 |
| Efficiency ratio | 68.9055% | 3,733 |
| Assets per employee ($millions) | 3.1859% | 5,451 |
| Cash dividends to net income (ytd only)* | 14.4960% | 3,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 5,044 |
| Loan loss allowance to noncurrent loans | 1,116.6667% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.1311% | 5,506 |
| Noncurrent loans to loans | 0.0898% | 5,530 |
| Net loans and leases to total assets | 61.7586% | 3,533 |
| Net loans and leases to deposits | 69.5202% | 3,976 |
| Net loans and leases to core deposits | 71.3437% | 4,182 |
| Total domestic deposits to total assets | 88.8354% | 1,334 |
| Equity capital to assets | 10.1678% | 3,897 |
| Core capital (leverage) ratio | 10.0488% | 3,503 |
| Tier 1 risk-based capital ratio | 15.8379% | 3,036 |
| Total risk-based capital ratio | 16.8178% | 3,129 |
| Memoranda: | ||
| Average total assets | $236,025,000 | 2,650 |
| Average earning assets | $223,736,000 | 2,593 |
| Average equity | $22,549,000 | 2,895 |
| Average total loans | $143,232,000 | 2,667 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3165% | 2,555 |
| Cost of funding earning assets | 0.4060% | 3,713 |
| Net interest margin | 3.9105% | 2,195 |
| Noninterest income to average assets | 0.5885% | 2,939 |
| Noninterest expense to average assets | 2.9722% | 2,900 |
| Loan and lease loss provision to assets | 0.0220% | 3,969 |
| Net operating income to assets | 0.9860% | 2,514 |
| Return on assets (ROA) | 0.9860% | 2,582 |
| Pretax return on assets | 1.3096% | 2,340 |
| Return on Equity (ROE) | 10.4893% | 2,009 |
| Retained earnings to average equity (ytd only) | 9.1376% | 943 |
| Net charge-offs to loans | 0.1190% | 2,618 |
| Credit loss provision to net charge-offs | 30.7087% | 3,443 |
| Earnings coverage of net charge-offs (x) | 18.5668% | 1,831 |
| Efficiency ratio | 69.0592% | 3,665 |
| Assets per employee ($millions) | 3.2587% | 5,313 |
| Cash dividends to net income (ytd only)* | 12.8865% | 3,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0074% | 5,186 |
| Loan loss allowance to noncurrent loans | 312.9032% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.2996% | 5,063 |
| Noncurrent loans to loans | 0.3220% | 4,944 |
| Net loans and leases to total assets | 60.9377% | 3,641 |
| Net loans and leases to deposits | 68.4402% | 4,085 |
| Net loans and leases to core deposits | 70.2276% | 4,303 |
| Total domestic deposits to total assets | 89.0378% | 1,216 |
| Equity capital to assets | 9.9137% | 4,279 |
| Core capital (leverage) ratio | 9.9106% | 3,803 |
| Tier 1 risk-based capital ratio | 16.0667% | 3,029 |
| Total risk-based capital ratio | 17.0645% | 3,095 |
| Memoranda: | ||
| Average total assets | $236,092,500 | 2,662 |
| Average earning assets | $224,311,750 | 2,596 |
| Average equity | $22,193,500 | 2,936 |
| Average total loans | $142,271,750 | 2,692 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2741% | 2,686 |
| Cost of funding earning assets | 0.4167% | 3,694 |
| Net interest margin | 3.8573% | 2,347 |
| Noninterest income to average assets | 0.5935% | 2,847 |
| Noninterest expense to average assets | 3.0095% | 2,794 |
| Loan and lease loss provision to assets | 0.0262% | 3,753 |
| Net operating income to assets | 0.9333% | 2,633 |
| Return on assets (ROA) | 0.9333% | 2,740 |
| Pretax return on assets | 1.2199% | 2,574 |
| Return on Equity (ROE) | 10.1108% | 2,106 |
| Retained earnings to average equity (ytd only) | 9.1950% | 919 |
| Net charge-offs to loans | 0.1851% | 1,916 |
| Credit loss provision to net charge-offs | 23.6641% | 3,137 |
| Earnings coverage of net charge-offs (x) | 11.2519% | 2,176 |
| Efficiency ratio | 70.7191% | 3,533 |
| Assets per employee ($millions) | 3.4408% | 4,970 |
| Cash dividends to net income (ytd only)* | 9.0580% | 3,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0168% | 5,278 |
| Loan loss allowance to noncurrent loans | 487.5000% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.2426% | 5,369 |
| Noncurrent loans to loans | 0.2086% | 5,395 |
| Net loans and leases to total assets | 59.1685% | 3,836 |
| Net loans and leases to deposits | 66.1688% | 4,255 |
| Net loans and leases to core deposits | 68.1273% | 4,450 |
| Total domestic deposits to total assets | 89.4206% | 1,142 |
| Equity capital to assets | 9.5474% | 4,687 |
| Core capital (leverage) ratio | 9.6549% | 4,107 |
| Tier 1 risk-based capital ratio | 15.8940% | 3,149 |
| Total risk-based capital ratio | 16.8950% | 3,216 |
| Memoranda: | ||
| Average total assets | $236,581,670 | 2,667 |
| Average earning assets | $224,610,670 | 2,596 |
| Average equity | $21,838,000 | 2,967 |
| Average total loans | $141,552,330 | 2,703 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2275% | 2,773 |
| Cost of funding earning assets | 0.4315% | 3,635 |
| Net interest margin | 3.7960% | 2,487 |
| Noninterest income to average assets | 0.6080% | 2,690 |
| Noninterest expense to average assets | 3.0623% | 2,651 |
| Loan and lease loss provision to assets | 0.0169% | 3,611 |
| Net operating income to assets | 0.8994% | 2,659 |
| Return on assets (ROA) | 0.8994% | 2,720 |
| Pretax return on assets | 1.1348% | 2,746 |
| Return on Equity (ROE) | 9.9143% | 2,076 |
| Retained earnings to average equity (ytd only) | 9.9143% | 988 |
| Net charge-offs to loans | 0.3226% | 1,099 |
| Credit loss provision to net charge-offs | 8.7719% | 2,617 |
| Earnings coverage of net charge-offs (x) | 5.9649% | 2,304 |
| Efficiency ratio | 72.6688% | 3,367 |
| Assets per employee ($millions) | 3.4642% | 4,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0161% | 5,455 |
| Loan loss allowance to noncurrent loans | 415.8960% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.2986% | 5,267 |
| Noncurrent loans to loans | 0.2443% | 5,375 |
| Net loans and leases to total assets | 57.8049% | 3,871 |
| Net loans and leases to deposits | 64.2128% | 4,290 |
| Net loans and leases to core deposits | 65.3763% | 4,564 |
| Total domestic deposits to total assets | 90.0208% | 1,067 |
| Equity capital to assets | 9.0109% | 5,105 |
| Core capital (leverage) ratio | 9.5244% | 4,245 |
| Tier 1 risk-based capital ratio | 15.5300% | 3,416 |
| Total risk-based capital ratio | 16.5259% | 3,512 |
| Memoranda: | ||
| Average total assets | $236,165,000 | 2,676 |
| Average earning assets | $224,341,500 | 2,616 |
| Average equity | $21,423,500 | 3,002 |
| Average total loans | $141,369,500 | 2,714 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2321% | 3,225 |
| Cost of funding earning assets | 0.4824% | 3,792 |
| Net interest margin | 3.7497% | 2,847 |
| Noninterest income to average assets | 0.5408% | 3,469 |
| Noninterest expense to average assets | 2.9295% | 3,278 |
| Loan and lease loss provision to assets | 0.0340% | 4,439 |
| Net operating income to assets | 0.8214% | 3,179 |
| Return on assets (ROA) | 0.9000% | 2,868 |
| Pretax return on assets | 1.2438% | 2,398 |
| Return on Equity (ROE) | 10.0452% | 2,095 |
| Retained earnings to average equity (ytd only) | 8.0646% | 1,032 |
| Net charge-offs to loans | 0.0735% | 4,180 |
| Credit loss provision to net charge-offs | 82.4742% | 2,977 |
| Earnings coverage of net charge-offs (x) | 28.3814% | 1,239 |
| Efficiency ratio | 71.4833% | 3,571 |
| Assets per employee ($millions) | 3.3309% | 5,222 |
| Cash dividends to net income (ytd only)* | 19.7170% | 3,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0933% | 5,190 |
| Loan loss allowance to noncurrent loans | 2,269.1176% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.1971% | 5,710 |
| Noncurrent loans to loans | 0.0482% | 6,086 |
| Net loans and leases to total assets | 60.7318% | 3,586 |
| Net loans and leases to deposits | 67.5777% | 4,112 |
| Net loans and leases to core deposits | 68.8673% | 4,408 |
| Total domestic deposits to total assets | 89.8697% | 1,147 |
| Equity capital to assets | 9.1352% | 4,884 |
| Core capital (leverage) ratio | 9.4445% | 4,347 |
| Tier 1 risk-based capital ratio | 15.3508% | 3,452 |
| Total risk-based capital ratio | 16.4320% | 3,502 |
| Memoranda: | ||
| Average total assets | $235,566,000 | 2,663 |
| Average earning assets | $223,483,000 | 2,582 |
| Average equity | $21,104,600 | 3,024 |
| Average total loans | $131,901,800 | 2,824 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1698% | 3,491 |
| Cost of funding earning assets | 0.4891% | 3,878 |
| Net interest margin | 3.6807% | 3,100 |
| Noninterest income to average assets | 0.5052% | 3,767 |
| Noninterest expense to average assets | 2.8388% | 3,530 |
| Loan and lease loss provision to assets | 0.0450% | 4,115 |
| Net operating income to assets | 0.8474% | 3,113 |
| Return on assets (ROA) | 0.9603% | 2,643 |
| Pretax return on assets | 1.2585% | 2,486 |
| Return on Equity (ROE) | 10.7702% | 1,895 |
| Retained earnings to average equity (ytd only) | 8.4484% | 1,238 |
| Net charge-offs to loans | 0.0844% | 3,742 |
| Credit loss provision to net charge-offs | 97.5610% | 2,450 |
| Earnings coverage of net charge-offs (x) | 25.0367% | 1,400 |
| Efficiency ratio | 71.0804% | 3,594 |
| Assets per employee ($millions) | 3.4514% | 4,949 |
| Cash dividends to net income (ytd only)* | 21.5581% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1388% | 5,172 |
| Loan loss allowance to noncurrent loans | 452.9070% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.3204% | 5,448 |
| Noncurrent loans to loans | 0.2514% | 5,597 |
| Net loans and leases to total assets | 58.4909% | 3,923 |
| Net loans and leases to deposits | 64.9876% | 4,409 |
| Net loans and leases to core deposits | 66.0027% | 4,712 |
| Total domestic deposits to total assets | 90.0032% | 992 |
| Equity capital to assets | 8.9594% | 5,236 |
| Core capital (leverage) ratio | 9.2179% | 4,807 |
| Tier 1 risk-based capital ratio | 15.0922% | 3,687 |
| Total risk-based capital ratio | 16.1837% | 3,745 |
| Memoranda: | ||
| Average total assets | $236,998,750 | 2,664 |
| Average earning assets | $224,623,500 | 2,582 |
| Average equity | $21,131,750 | 3,058 |
| Average total loans | $129,595,750 | 2,890 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0800% | 3,820 |
| Cost of funding earning assets | 0.5017% | 3,878 |
| Net interest margin | 3.5782% | 3,457 |
| Noninterest income to average assets | 0.4880% | 3,910 |
| Noninterest expense to average assets | 2.6829% | 4,094 |
| Loan and lease loss provision to assets | 0.0628% | 3,755 |
| Net operating income to assets | 0.8551% | 3,019 |
| Return on assets (ROA) | 1.0246% | 2,341 |
| Pretax return on assets | 1.3595% | 2,086 |
| Return on Equity (ROE) | 11.5093% | 1,634 |
| Retained earnings to average equity (ytd only) | 10.3340% | 775 |
| Net charge-offs to loans | 0.1116% | 3,248 |
| Credit loss provision to net charge-offs | 105.6338% | 2,095 |
| Earnings coverage of net charge-offs (x) | 20.1268% | 1,476 |
| Efficiency ratio | 69.1627% | 3,984 |
| Assets per employee ($millions) | 3.4946% | 4,867 |
| Cash dividends to net income (ytd only)* | 10.2124% | 3,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1952% | 5,026 |
| Loan loss allowance to noncurrent loans | 1,015.5844% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.5996% | 4,749 |
| Noncurrent loans to loans | 0.1177% | 6,037 |
| Net loans and leases to total assets | 55.2184% | 4,414 |
| Net loans and leases to deposits | 61.1472% | 4,840 |
| Net loans and leases to core deposits | 62.1767% | 5,079 |
| Total domestic deposits to total assets | 90.3041% | 857 |
| Equity capital to assets | 8.7627% | 5,481 |
| Core capital (leverage) ratio | 8.8932% | 5,157 |
| Tier 1 risk-based capital ratio | 15.2795% | 3,611 |
| Total risk-based capital ratio | 16.4012% | 3,641 |
| Memoranda: | ||
| Average total assets | $238,917,330 | 2,661 |
| Average earning assets | $226,423,670 | 2,576 |
| Average equity | $21,269,670 | 3,067 |
| Average total loans | $127,189,670 | 2,933 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9142% | 4,423 |
| Cost of funding earning assets | 0.5109% | 3,960 |
| Net interest margin | 3.4033% | 4,100 |
| Noninterest income to average assets | 0.4940% | 3,811 |
| Noninterest expense to average assets | 2.6373% | 4,287 |
| Loan and lease loss provision to assets | 0.0995% | 3,020 |
| Net operating income to assets | 0.7598% | 3,380 |
| Return on assets (ROA) | 1.0725% | 2,069 |
| Pretax return on assets | 1.3875% | 1,895 |
| Return on Equity (ROE) | 11.9560% | 1,435 |
| Retained earnings to average equity (ytd only) | 11.9560% | 705 |
| Net charge-offs to loans | 0.2457% | 1,981 |
| Credit loss provision to net charge-offs | 77.9221% | 2,182 |
| Earnings coverage of net charge-offs (x) | 8.4675% | 1,943 |
| Efficiency ratio | 70.9318% | 3,801 |
| Assets per employee ($millions) | 3.6783% | 4,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2440% | 4,978 |
| Loan loss allowance to noncurrent loans | 477.7090% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.8444% | 4,269 |
| Noncurrent loans to loans | 0.2604% | 5,756 |
| Net loans and leases to total assets | 49.7026% | 5,031 |
| Net loans and leases to deposits | 55.3948% | 5,309 |
| Net loans and leases to core deposits | 56.2823% | 5,500 |
| Total domestic deposits to total assets | 89.7243% | 1,207 |
| Equity capital to assets | 8.8737% | 5,638 |
| Core capital (leverage) ratio | 8.6281% | 5,421 |
| Tier 1 risk-based capital ratio | 15.4460% | 3,561 |
| Total risk-based capital ratio | 16.5890% | 3,581 |
| Memoranda: | ||
| Average total assets | $241,305,500 | 2,660 |
| Average earning assets | $228,605,000 | 2,579 |
| Average equity | $21,646,000 | 3,065 |
| Average total loans | $125,358,000 | 2,979 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4140% | 3,760 |
| Cost of funding earning assets | 0.6973% | 3,513 |
| Net interest margin | 3.7168% | 3,575 |
| Noninterest income to average assets | 0.6259% | 3,136 |
| Noninterest expense to average assets | 3.0419% | 3,126 |
| Loan and lease loss provision to assets | 0.4053% | 1,600 |
| Net operating income to assets | 0.5303% | 4,563 |
| Return on assets (ROA) | 0.6922% | 4,038 |
| Pretax return on assets | 0.8685% | 4,031 |
| Return on Equity (ROE) | 7.3344% | 3,446 |
| Retained earnings to average equity (ytd only) | 5.9305% | 2,120 |
| Net charge-offs to loans | 0.9366% | 1,188 |
| Credit loss provision to net charge-offs | 74.5378% | 4,022 |
| Earnings coverage of net charge-offs (x) | 1.9706% | 4,436 |
| Efficiency ratio | 73.9531% | 3,077 |
| Assets per employee ($millions) | 3.4730% | 5,064 |
| Cash dividends to net income (ytd only)* | 19.1419% | 3,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 4,974 |
| Loan loss allowance to noncurrent loans | 709.0909% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.9133% | 4,215 |
| Noncurrent loans to loans | 0.1737% | 6,042 |
| Net loans and leases to total assets | 52.9812% | 4,763 |
| Net loans and leases to deposits | 59.2018% | 5,107 |
| Net loans and leases to core deposits | 60.1903% | 5,346 |
| Total domestic deposits to total assets | 89.4925% | 1,246 |
| Equity capital to assets | 9.0712% | 5,439 |
| Core capital (leverage) ratio | 8.9305% | 5,002 |
| Tier 1 risk-based capital ratio | 15.5223% | 3,408 |
| Total risk-based capital ratio | 16.7208% | 3,408 |
| Memoranda: | ||
| Average total assets | $218,875,600 | 2,850 |
| Average earning assets | $205,367,000 | 2,800 |
| Average equity | $20,656,000 | 3,124 |
| Average total loans | $127,057,000 | 2,933 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4969% | 3,651 |
| Cost of funding earning assets | 0.7295% | 3,523 |
| Net interest margin | 3.7674% | 3,479 |
| Noninterest income to average assets | 0.5375% | 3,689 |
| Noninterest expense to average assets | 3.0779% | 2,956 |
| Loan and lease loss provision to assets | 0.5605% | 1,024 |
| Net operating income to assets | 0.3685% | 5,379 |
| Return on assets (ROA) | 0.6053% | 4,633 |
| Pretax return on assets | 0.7047% | 4,848 |
| Return on Equity (ROE) | 6.3458% | 4,141 |
| Retained earnings to average equity (ytd only) | 5.2709% | 3,177 |
| Net charge-offs to loans | 1.1828% | 841 |
| Credit loss provision to net charge-offs | 79.9645% | 3,619 |
| Earnings coverage of net charge-offs (x) | 1.4122% | 4,586 |
| Efficiency ratio | 75.6645% | 2,725 |
| Assets per employee ($millions) | 3.3668% | 5,289 |
| Cash dividends to net income (ytd only)* | 16.9402% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2753% | 4,921 |
| Loan loss allowance to noncurrent loans | 699.5726% | 586 |
| Noncurrent assets plus other real estate owned to assets | 1.1273% | 4,038 |
| Noncurrent loans to loans | 0.1823% | 6,152 |
| Net loans and leases to total assets | 57.9074% | 4,151 |
| Net loans and leases to deposits | 65.1484% | 4,577 |
| Net loans and leases to core deposits | 66.5739% | 4,894 |
| Total domestic deposits to total assets | 88.8854% | 1,491 |
| Equity capital to assets | 9.6459% | 5,000 |
| Core capital (leverage) ratio | 9.0792% | 4,949 |
| Tier 1 risk-based capital ratio | 15.2111% | 3,698 |
| Total risk-based capital ratio | 16.4610% | 3,647 |
| Memoranda: | ||
| Average total assets | $214,553,250 | 2,920 |
| Average earning assets | $201,054,000 | 2,855 |
| Average equity | $20,464,250 | 3,177 |
| Average total loans | $127,150,500 | 2,969 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5266% | 3,658 |
| Cost of funding earning assets | 0.7526% | 3,585 |
| Net interest margin | 3.7740% | 3,484 |
| Noninterest income to average assets | 0.6165% | 3,159 |
| Noninterest expense to average assets | 3.1475% | 2,757 |
| Loan and lease loss provision to assets | 0.7132% | 756 |
| Net operating income to assets | 0.2712% | 5,701 |
| Return on assets (ROA) | 0.6391% | 4,421 |
| Pretax return on assets | 0.6766% | 4,896 |
| Return on Equity (ROE) | 6.7261% | 3,925 |
| Retained earnings to average equity (ytd only) | 5.0965% | 3,226 |
| Net charge-offs to loans | 1.5559% | 624 |
| Credit loss provision to net charge-offs | 77.0791% | 3,405 |
| Earnings coverage of net charge-offs (x) | 1.0791% | 4,480 |
| Efficiency ratio | 75.9167% | 2,756 |
| Assets per employee ($millions) | 3.2069% | 5,637 |
| Cash dividends to net income (ytd only)* | 24.2291% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2862% | 4,943 |
| Loan loss allowance to noncurrent loans | 122.1642% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 1.6150% | 3,304 |
| Noncurrent loans to loans | 1.0529% | 4,412 |
| Net loans and leases to total assets | 58.4714% | 4,087 |
| Net loans and leases to deposits | 65.5960% | 4,556 |
| Net loans and leases to core deposits | 67.2465% | 4,871 |
| Total domestic deposits to total assets | 89.1387% | 1,426 |
| Equity capital to assets | 9.5530% | 4,983 |
| Core capital (leverage) ratio | 9.0876% | 4,782 |
| Tier 1 risk-based capital ratio | 15.0982% | 3,710 |
| Total risk-based capital ratio | 16.3482% | 3,669 |
| Memoranda: | ||
| Average total assets | $213,124,670 | 2,940 |
| Average earning assets | $199,311,000 | 2,876 |
| Average equity | $20,249,330 | 3,196 |
| Average total loans | $126,747,000 | 2,987 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5954% | 3,528 |
| Cost of funding earning assets | 0.7777% | 3,643 |
| Net interest margin | 3.8177% | 3,302 |
| Noninterest income to average assets | 0.6087% | 3,175 |
| Noninterest expense to average assets | 3.0755% | 3,000 |
| Loan and lease loss provision to assets | 0.7727% | 645 |
| Net operating income to assets | 0.2962% | 5,673 |
| Return on assets (ROA) | 0.7010% | 4,094 |
| Pretax return on assets | 0.7576% | 4,579 |
| Return on Equity (ROE) | 7.3989% | 3,561 |
| Retained earnings to average equity (ytd only) | 7.3989% | 2,230 |
| Net charge-offs to loans | 1.6413% | 593 |
| Credit loss provision to net charge-offs | 78.9981% | 2,735 |
| Earnings coverage of net charge-offs (x) | 1.1195% | 3,771 |
| Efficiency ratio | 73.7460% | 3,135 |
| Assets per employee ($millions) | 3.2715% | 5,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4026% | 4,598 |
| Loan loss allowance to noncurrent loans | 138.9857% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 1.6022% | 3,443 |
| Noncurrent loans to loans | 1.0091% | 4,657 |
| Net loans and leases to total assets | 56.2532% | 4,337 |
| Net loans and leases to deposits | 62.9013% | 4,782 |
| Net loans and leases to core deposits | 64.6103% | 5,049 |
| Total domestic deposits to total assets | 89.4308% | 1,408 |
| Equity capital to assets | 9.1814% | 5,259 |
| Core capital (leverage) ratio | 9.1339% | 4,632 |
| Tier 1 risk-based capital ratio | 15.2696% | 3,571 |
| Total risk-based capital ratio | 16.5211% | 3,537 |
| Memoranda: | ||
| Average total assets | $212,255,000 | 2,968 |
| Average earning assets | $198,025,500 | 2,918 |
| Average equity | $20,111,000 | 3,212 |
| Average total loans | $126,485,000 | 3,014 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9305% | 3,206 |
| Cost of funding earning assets | 0.9397% | 3,789 |
| Net interest margin | 3.9908% | 2,931 |
| Noninterest income to average assets | 0.1461% | 6,418 |
| Noninterest expense to average assets | 3.1100% | 3,162 |
| Loan and lease loss provision to assets | 0.3357% | 3,009 |
| Net operating income to assets | 0.3357% | 5,121 |
| Return on assets (ROA) | 0.5248% | 4,529 |
| Pretax return on assets | 0.6041% | 4,680 |
| Return on Equity (ROE) | 5.4521% | 4,165 |
| Retained earnings to average equity (ytd only) | 5.0663% | 2,589 |
| Net charge-offs to loans | 0.5665% | 2,755 |
| Credit loss provision to net charge-offs | 95.0912% | 3,797 |
| Earnings coverage of net charge-offs (x) | 2.0463% | 4,247 |
| Efficiency ratio | 81.1499% | 2,141 |
| Assets per employee ($millions) | 3.1109% | 5,876 |
| Cash dividends to net income (ytd only)* | 7.0755% | 3,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4565% | 4,205 |
| Loan loss allowance to noncurrent loans | 246.1030% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 1.5751% | 3,585 |
| Noncurrent loans to loans | 0.5918% | 5,528 |
| Net loans and leases to total assets | 61.3929% | 3,716 |
| Net loans and leases to deposits | 69.1739% | 4,248 |
| Net loans and leases to core deposits | 71.4735% | 4,594 |
| Total domestic deposits to total assets | 88.7515% | 1,684 |
| Equity capital to assets | 9.7883% | 4,456 |
| Core capital (leverage) ratio | 9.2852% | 4,356 |
| Tier 1 risk-based capital ratio | 15.0850% | 3,590 |
| Total risk-based capital ratio | 16.3376% | 3,550 |
| Memoranda: | ||
| Average total assets | $201,963,400 | 3,036 |
| Average earning assets | $186,552,800 | 3,011 |
| Average equity | $19,442,200 | 3,219 |
| Average total loans | $125,866,000 | 3,064 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9566% | 3,303 |
| Cost of funding earning assets | 0.9759% | 3,845 |
| Net interest margin | 3.9806% | 3,003 |
| Noninterest income to average assets | 0.1253% | 6,630 |
| Noninterest expense to average assets | 3.0620% | 3,311 |
| Loan and lease loss provision to assets | 0.3500% | 2,774 |
| Net operating income to assets | 0.3364% | 5,267 |
| Return on assets (ROA) | 0.4541% | 4,947 |
| Pretax return on assets | 0.5204% | 5,086 |
| Return on Equity (ROE) | 4.7375% | 4,647 |
| Retained earnings to average equity (ytd only) | 4.2187% | 3,727 |
| Net charge-offs to loans | 0.6329% | 2,350 |
| Credit loss provision to net charge-offs | 88.7395% | 3,814 |
| Earnings coverage of net charge-offs (x) | 1.8639% | 4,269 |
| Efficiency ratio | 80.6390% | 2,165 |
| Assets per employee ($millions) | 3.0948% | 5,912 |
| Cash dividends to net income (ytd only)* | 10.9492% | 3,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4651% | 4,267 |
| Loan loss allowance to noncurrent loans | 165.7014% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 2.0425% | 3,088 |
| Noncurrent loans to loans | 0.8842% | 5,090 |
| Net loans and leases to total assets | 60.2862% | 4,081 |
| Net loans and leases to deposits | 67.9356% | 4,626 |
| Net loans and leases to core deposits | 69.8199% | 4,966 |
| Total domestic deposits to total assets | 88.7403% | 1,589 |
| Equity capital to assets | 9.7602% | 4,686 |
| Core capital (leverage) ratio | 9.1448% | 4,722 |
| Tier 1 risk-based capital ratio | 14.9550% | 3,686 |
| Total risk-based capital ratio | 16.2074% | 3,656 |
| Memoranda: | ||
| Average total assets | $201,125,000 | 3,062 |
| Average earning assets | $185,527,500 | 3,033 |
| Average equity | $19,278,500 | 3,247 |
| Average total loans | $125,354,250 | 3,091 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9768% | 3,277 |
| Cost of funding earning assets | 0.9927% | 3,992 |
| Net interest margin | 3.9840% | 2,920 |
| Noninterest income to average assets | 0.2479% | 5,876 |
| Noninterest expense to average assets | 3.0608% | 3,390 |
| Loan and lease loss provision to assets | 0.2979% | 3,019 |
| Net operating income to assets | 0.5258% | 4,393 |
| Return on assets (ROA) | 0.5258% | 4,537 |
| Pretax return on assets | 0.5558% | 4,892 |
| Return on Equity (ROE) | 5.5196% | 4,206 |
| Retained earnings to average equity (ytd only) | 4.7326% | 3,174 |
| Net charge-offs to loans | 0.5371% | 2,485 |
| Credit loss provision to net charge-offs | 88.4273% | 3,502 |
| Earnings coverage of net charge-offs (x) | 2.5341% | 3,561 |
| Efficiency ratio | 78.1920% | 2,679 |
| Assets per employee ($millions) | 3.0280% | 6,023 |
| Cash dividends to net income (ytd only)* | 14.2586% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4532% | 4,327 |
| Loan loss allowance to noncurrent loans | 233.2497% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 1.9002% | 3,371 |
| Noncurrent loans to loans | 0.6230% | 5,678 |
| Net loans and leases to total assets | 62.1405% | 3,864 |
| Net loans and leases to deposits | 69.9040% | 4,453 |
| Net loans and leases to core deposits | 72.2252% | 4,786 |
| Total domestic deposits to total assets | 88.8941% | 1,603 |
| Equity capital to assets | 9.6444% | 4,606 |
| Core capital (leverage) ratio | 9.1618% | 4,472 |
| Tier 1 risk-based capital ratio | 14.3639% | 3,891 |
| Total risk-based capital ratio | 15.6162% | 3,860 |
| Memoranda: | ||
| Average total assets | $200,080,330 | 3,100 |
| Average earning assets | $184,135,000 | 3,070 |
| Average equity | $19,059,330 | 3,260 |
| Average total loans | $125,482,000 | 3,113 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0922% | 2,676 |
| Cost of funding earning assets | 0.9995% | 4,208 |
| Net interest margin | 4.0927% | 2,294 |
| Noninterest income to average assets | 0.3926% | 4,767 |
| Noninterest expense to average assets | 3.1145% | 3,193 |
| Loan and lease loss provision to assets | 0.3423% | 2,513 |
| Net operating income to assets | 0.6181% | 3,947 |
| Return on assets (ROA) | 0.6181% | 4,012 |
| Pretax return on assets | 0.6785% | 4,390 |
| Return on Equity (ROE) | 6.5298% | 3,614 |
| Retained earnings to average equity (ytd only) | 6.5298% | 2,358 |
| Net charge-offs to loans | 0.6921% | 1,830 |
| Credit loss provision to net charge-offs | 79.0698% | 3,180 |
| Earnings coverage of net charge-offs (x) | 2.3581% | 3,140 |
| Efficiency ratio | 75.3165% | 3,275 |
| Assets per employee ($millions) | 2.9806% | 6,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4977% | 4,224 |
| Loan loss allowance to noncurrent loans | 1,052.8409% | 369 |
| Noncurrent assets plus other real estate owned to assets | 1.8063% | 3,558 |
| Noncurrent loans to loans | 0.1423% | 6,691 |
| Net loans and leases to total assets | 59.2573% | 4,412 |
| Net loans and leases to deposits | 66.3041% | 4,928 |
| Net loans and leases to core deposits | 68.3551% | 5,247 |
| Total domestic deposits to total assets | 89.3720% | 1,547 |
| Equity capital to assets | 9.2530% | 4,810 |
| Core capital (leverage) ratio | 9.2328% | 4,236 |
| Tier 1 risk-based capital ratio | 14.4264% | 3,790 |
| Total risk-based capital ratio | 15.6789% | 3,745 |
| Memoranda: | ||
| Average total assets | $198,683,500 | 3,131 |
| Average earning assets | $181,691,000 | 3,121 |
| Average equity | $18,806,000 | 3,281 |
| Average total loans | $124,260,000 | 3,171 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5441% | 2,107 |
| Cost of funding earning assets | 1.2229% | 4,399 |
| Net interest margin | 4.3212% | 1,750 |
| Noninterest income to average assets | 0.1363% | 6,711 |
| Noninterest expense to average assets | 3.0920% | 3,488 |
| Loan and lease loss provision to assets | 0.6586% | 2,504 |
| Net operating income to assets | 0.2636% | 5,062 |
| Return on assets (ROA) | 0.5213% | 4,152 |
| Pretax return on assets | 0.6405% | 4,198 |
| Return on Equity (ROE) | 5.4218% | 3,885 |
| Retained earnings to average equity (ytd only) | 4.6404% | 2,644 |
| Net charge-offs to loans | 1.2302% | 1,819 |
| Credit loss provision to net charge-offs | 80.7497% | 5,536 |
| Earnings coverage of net charge-offs (x) | 1.2027% | 4,906 |
| Efficiency ratio | 75.9160% | 3,068 |
| Assets per employee ($millions) | 2.8192% | 6,496 |
| Cash dividends to net income (ytd only)* | 14.4135% | 3,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5209% | 3,894 |
| Loan loss allowance to noncurrent loans | 171.6094% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 2.3980% | 2,868 |
| Noncurrent loans to loans | 0.8862% | 5,287 |
| Net loans and leases to total assets | 64.1085% | 3,851 |
| Net loans and leases to deposits | 72.2271% | 4,479 |
| Net loans and leases to core deposits | 74.7723% | 4,879 |
| Total domestic deposits to total assets | 88.7597% | 1,792 |
| Equity capital to assets | 9.6931% | 4,149 |
| Core capital (leverage) ratio | 9.2348% | 4,117 |
| Tier 1 risk-based capital ratio | 13.8253% | 3,979 |
| Total risk-based capital ratio | 15.0776% | 3,959 |
| Memoranda: | ||
| Average total assets | $192,979,800 | 3,187 |
| Average earning assets | $175,809,400 | 3,172 |
| Average equity | $18,554,600 | 3,341 |
| Average total loans | $127,945,800 | 3,161 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5189% | 2,361 |
| Cost of funding earning assets | 1.2687% | 4,448 |
| Net interest margin | 4.2502% | 2,031 |
| Noninterest income to average assets | 0.1262% | 6,924 |
| Noninterest expense to average assets | 3.0474% | 3,587 |
| Loan and lease loss provision to assets | 0.7173% | 2,128 |
| Net operating income to assets | 0.1987% | 5,513 |
| Return on assets (ROA) | 0.4573% | 4,690 |
| Pretax return on assets | 0.5304% | 4,820 |
| Return on Equity (ROE) | 4.7660% | 4,419 |
| Retained earnings to average equity (ytd only) | 4.5863% | 3,279 |
| Net charge-offs to loans | 1.3443% | 1,508 |
| Credit loss provision to net charge-offs | 80.1233% | 5,129 |
| Earnings coverage of net charge-offs (x) | 1.0578% | 4,998 |
| Efficiency ratio | 76.2908% | 2,892 |
| Assets per employee ($millions) | 2.8845% | 6,410 |
| Cash dividends to net income (ytd only)* | 3.7704% | 3,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5245% | 3,849 |
| Loan loss allowance to noncurrent loans | 232.4163% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 2.5111% | 2,858 |
| Noncurrent loans to loans | 0.6559% | 5,895 |
| Net loans and leases to total assets | 64.9420% | 3,916 |
| Net loans and leases to deposits | 74.1373% | 4,483 |
| Net loans and leases to core deposits | 76.8967% | 4,936 |
| Total domestic deposits to total assets | 87.5970% | 2,212 |
| Equity capital to assets | 9.8039% | 4,411 |
| Core capital (leverage) ratio | 9.1103% | 4,515 |
| Tier 1 risk-based capital ratio | 13.4334% | 4,241 |
| Total risk-based capital ratio | 14.6859% | 4,197 |
| Memoranda: | ||
| Average total assets | $193,299,000 | 3,231 |
| Average earning assets | $175,923,750 | 3,216 |
| Average equity | $18,547,750 | 3,383 |
| Average total loans | $128,733,250 | 3,185 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5669% | 2,263 |
| Cost of funding earning assets | 1.3022% | 4,524 |
| Net interest margin | 4.2647% | 1,906 |
| Noninterest income to average assets | 0.3259% | 5,544 |
| Noninterest expense to average assets | 3.0655% | 3,446 |
| Loan and lease loss provision to assets | 0.7294% | 1,995 |
| Net operating income to assets | 0.3392% | 5,028 |
| Return on assets (ROA) | 0.5494% | 4,237 |
| Pretax return on assets | 0.6477% | 4,407 |
| Return on Equity (ROE) | 5.7671% | 3,907 |
| Retained earnings to average equity (ytd only) | 5.4956% | 2,614 |
| Net charge-offs to loans | 1.5392% | 1,244 |
| Credit loss provision to net charge-offs | 70.9256% | 4,946 |
| Earnings coverage of net charge-offs (x) | 1.0986% | 4,694 |
| Efficiency ratio | 73.0703% | 3,645 |
| Assets per employee ($millions) | 2.8078% | 6,558 |
| Cash dividends to net income (ytd only)* | 4.7081% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4993% | 3,945 |
| Loan loss allowance to noncurrent loans | 180.8893% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 2.8632% | 2,521 |
| Noncurrent loans to loans | 0.8289% | 5,624 |
| Net loans and leases to total assets | 64.8360% | 4,075 |
| Net loans and leases to deposits | 73.8279% | 4,702 |
| Net loans and leases to core deposits | 76.3049% | 5,157 |
| Total domestic deposits to total assets | 87.8205% | 2,092 |
| Equity capital to assets | 9.6276% | 4,504 |
| Core capital (leverage) ratio | 9.0924% | 4,473 |
| Tier 1 risk-based capital ratio | 13.3188% | 4,193 |
| Total risk-based capital ratio | 14.5715% | 4,148 |
| Memoranda: | ||
| Average total assets | $193,312,000 | 3,256 |
| Average earning assets | $175,392,670 | 3,250 |
| Average equity | $18,414,670 | 3,391 |
| Average total loans | $129,161,000 | 3,213 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5743% | 2,266 |
| Cost of funding earning assets | 1.3420% | 4,549 |
| Net interest margin | 4.2324% | 1,920 |
| Noninterest income to average assets | 0.5054% | 4,009 |
| Noninterest expense to average assets | 2.7695% | 4,610 |
| Loan and lease loss provision to assets | 0.9322% | 1,355 |
| Net operating income to assets | 0.5714% | 4,027 |
| Return on assets (ROA) | 0.8617% | 2,790 |
| Pretax return on assets | 0.9446% | 3,291 |
| Return on Equity (ROE) | 9.0949% | 2,459 |
| Retained earnings to average equity (ytd only) | 9.0949% | 1,373 |
| Net charge-offs to loans | 1.8803% | 918 |
| Credit loss provision to net charge-offs | 73.6498% | 4,019 |
| Earnings coverage of net charge-offs (x) | 1.2308% | 4,030 |
| Efficiency ratio | 64.0019% | 5,493 |
| Assets per employee ($millions) | 2.8519% | 6,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5642% | 3,606 |
| Loan loss allowance to noncurrent loans | 231.5551% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 3.0842% | 2,319 |
| Noncurrent loans to loans | 0.6755% | 5,980 |
| Net loans and leases to total assets | 65.2380% | 4,052 |
| Net loans and leases to deposits | 74.0117% | 4,738 |
| Net loans and leases to core deposits | 77.1372% | 5,121 |
| Total domestic deposits to total assets | 88.1455% | 1,976 |
| Equity capital to assets | 9.3806% | 4,707 |
| Core capital (leverage) ratio | 9.0956% | 4,382 |
| Tier 1 risk-based capital ratio | 12.8886% | 4,412 |
| Total risk-based capital ratio | 14.1429% | 4,387 |
| Memoranda: | ||
| Average total assets | $193,100,500 | 3,321 |
| Average earning assets | $174,371,000 | 3,332 |
| Average equity | $18,296,000 | 3,437 |
| Average total loans | $129,980,500 | 3,260 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9880% | 1,917 |
| Cost of funding earning assets | 1.6741% | 4,646 |
| Net interest margin | 4.3139% | 1,677 |
| Noninterest income to average assets | -0.0818% | 7,791 |
| Noninterest expense to average assets | 3.4654% | 2,469 |
| Loan and lease loss provision to assets | 1.6040% | 1,427 |
| Net operating income to assets | -0.6593% | 6,321 |
| Return on assets (ROA) | -0.5602% | 6,230 |
| Pretax return on assets | -1.0271% | 6,426 |
| Return on Equity (ROE) | -5.5151% | 6,267 |
| Retained earnings to average equity (ytd only) | -8.6139% | 6,403 |
| Net charge-offs to loans | 2.3095% | 1,009 |
| Credit loss provision to net charge-offs | 99.0029% | 5,631 |
| Earnings coverage of net charge-offs (x) | 0.2605% | 5,857 |
| Efficiency ratio | 84.7721% | 2,263 |
| Assets per employee ($millions) | 2.7060% | 6,845 |
| Cash dividends to net income (ytd only)* | -56.1860% | 7,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6990% | 2,893 |
| Loan loss allowance to noncurrent loans | 107.0525% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 3.5355% | 1,897 |
| Noncurrent loans to loans | 1.5871% | 4,273 |
| Net loans and leases to total assets | 67.2284% | 3,874 |
| Net loans and leases to deposits | 76.5646% | 4,648 |
| Net loans and leases to core deposits | 88.6187% | 5,266 |
| Total domestic deposits to total assets | 87.8061% | 2,072 |
| Equity capital to assets | 9.5728% | 4,318 |
| Core capital (leverage) ratio | 8.9187% | 4,563 |
| Tier 1 risk-based capital ratio | 12.3786% | 4,616 |
| Total risk-based capital ratio | 13.6325% | 4,580 |
| Memoranda: | ||
| Average total assets | $191,896,200 | 3,267 |
| Average earning assets | $176,570,400 | 3,261 |
| Average equity | $19,491,800 | 3,279 |
| Average total loans | $134,615,800 | 3,180 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0084% | 2,001 |
| Cost of funding earning assets | 1.7380% | 4,706 |
| Net interest margin | 4.2704% | 1,807 |
| Noninterest income to average assets | 0.1371% | 7,195 |
| Noninterest expense to average assets | 3.4594% | 2,394 |
| Loan and lease loss provision to assets | 0.2943% | 4,617 |
| Net operating income to assets | 0.2746% | 4,883 |
| Return on assets (ROA) | 0.4453% | 4,318 |
| Pretax return on assets | 0.5354% | 4,410 |
| Return on Equity (ROE) | 4.3230% | 4,244 |
| Retained earnings to average equity (ytd only) | 1.1026% | 4,706 |
| Net charge-offs to loans | 0.7820% | 2,408 |
| Credit loss provision to net charge-offs | 53.3250% | 6,264 |
| Earnings coverage of net charge-offs (x) | 1.1305% | 4,926 |
| Efficiency ratio | 80.2578% | 2,804 |
| Assets per employee ($millions) | 2.7421% | 6,751 |
| Cash dividends to net income (ytd only)* | 74.4946% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4015% | 3,935 |
| Loan loss allowance to noncurrent loans | 60.3700% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 4.1859% | 1,501 |
| Noncurrent loans to loans | 2.3215% | 3,238 |
| Net loans and leases to total assets | 69.1595% | 3,681 |
| Net loans and leases to deposits | 79.7113% | 4,439 |
| Net loans and leases to core deposits | 91.2568% | 5,303 |
| Total domestic deposits to total assets | 86.7626% | 2,298 |
| Equity capital to assets | 10.5816% | 3,424 |
| Core capital (leverage) ratio | 9.8233% | 3,493 |
| Tier 1 risk-based capital ratio | 13.5659% | 3,804 |
| Total risk-based capital ratio | 14.8170% | 3,739 |
| Memoranda: | ||
| Average total assets | $192,514,500 | 3,284 |
| Average earning assets | $177,900,750 | 3,264 |
| Average equity | $19,831,500 | 3,264 |
| Average total loans | $135,883,000 | 3,193 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0664% | 1,919 |
| Cost of funding earning assets | 1.7886% | 4,813 |
| Net interest margin | 4.2779% | 1,711 |
| Noninterest income to average assets | 0.2551% | 6,451 |
| Noninterest expense to average assets | 3.4387% | 2,515 |
| Loan and lease loss provision to assets | 0.2066% | 4,983 |
| Net operating income to assets | 0.4716% | 4,213 |
| Return on assets (ROA) | 0.6456% | 3,590 |
| Pretax return on assets | 0.7799% | 3,742 |
| Return on Equity (ROE) | 6.3232% | 3,513 |
| Retained earnings to average equity (ytd only) | 2.0234% | 4,216 |
| Net charge-offs to loans | 0.6412% | 2,433 |
| Credit loss provision to net charge-offs | 45.5581% | 5,820 |
| Earnings coverage of net charge-offs (x) | 1.7130% | 4,272 |
| Efficiency ratio | 76.7704% | 3,546 |
| Assets per employee ($millions) | 2.8239% | 6,570 |
| Cash dividends to net income (ytd only)* | 68.0000% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4978% | 3,213 |
| Loan loss allowance to noncurrent loans | 85.8682% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 4.0177% | 1,472 |
| Noncurrent loans to loans | 1.7443% | 3,891 |
| Net loans and leases to total assets | 68.2557% | 4,117 |
| Net loans and leases to deposits | 78.4125% | 4,800 |
| Net loans and leases to core deposits | 91.0157% | 5,448 |
| Total domestic deposits to total assets | 87.0470% | 2,235 |
| Equity capital to assets | 10.2825% | 3,630 |
| Core capital (leverage) ratio | 9.7364% | 3,591 |
| Tier 1 risk-based capital ratio | 13.0110% | 4,141 |
| Total risk-based capital ratio | 14.2524% | 4,060 |
| Memoranda: | ||
| Average total assets | $193,617,330 | 3,296 |
| Average earning assets | $179,248,670 | 3,269 |
| Average equity | $19,768,330 | 3,283 |
| Average total loans | $136,939,330 | 3,209 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0247% | 2,258 |
| Cost of funding earning assets | 1.8063% | 5,085 |
| Net interest margin | 4.2184% | 1,837 |
| Noninterest income to average assets | 0.1070% | 7,499 |
| Noninterest expense to average assets | 3.2940% | 2,674 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6381% | 3,846 |
| Return on assets (ROA) | 0.6522% | 3,971 |
| Pretax return on assets | 0.7551% | 4,234 |
| Return on Equity (ROE) | 6.4105% | 3,854 |
| Retained earnings to average equity (ytd only) | 6.4105% | 2,455 |
| Net charge-offs to loans | 0.3917% | 2,528 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 2.6397% | 3,439 |
| Efficiency ratio | 77.6531% | 3,228 |
| Assets per employee ($millions) | 2.9286% | 6,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5142% | 2,897 |
| Loan loss allowance to noncurrent loans | 84.0080% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 2.3099% | 2,490 |
| Noncurrent loans to loans | 1.8024% | 3,558 |
| Net loans and leases to total assets | 68.4563% | 4,027 |
| Net loans and leases to deposits | 78.2128% | 4,891 |
| Net loans and leases to core deposits | 89.9766% | 5,556 |
| Total domestic deposits to total assets | 87.5257% | 1,957 |
| Equity capital to assets | 10.0087% | 3,997 |
| Core capital (leverage) ratio | 9.8638% | 3,568 |
| Tier 1 risk-based capital ratio | 12.6938% | 4,396 |
| Total risk-based capital ratio | 13.9453% | 4,318 |
| Memoranda: | ||
| Average total assets | $194,413,500 | 3,302 |
| Average earning assets | $180,921,500 | 3,266 |
| Average equity | $19,780,000 | 3,291 |
| Average total loans | $138,878,500 | 3,196 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6116% | 2,430 |
| Cost of funding earning assets | 2.1766% | 5,697 |
| Net interest margin | 4.4349% | 1,577 |
| Noninterest income to average assets | 0.7968% | 2,536 |
| Noninterest expense to average assets | 3.2701% | 3,072 |
| Loan and lease loss provision to assets | 1.0551% | 1,381 |
| Net operating income to assets | 0.4958% | 4,755 |
| Return on assets (ROA) | 0.6032% | 4,152 |
| Pretax return on assets | 0.7430% | 4,270 |
| Return on Equity (ROE) | 5.8935% | 3,988 |
| Retained earnings to average equity (ytd only) | 2.1973% | 3,849 |
| Net charge-offs to loans | 1.0932% | 1,115 |
| Credit loss provision to net charge-offs | 129.1188% | 4,128 |
| Earnings coverage of net charge-offs (x) | 2.0383% | 5,055 |
| Efficiency ratio | 63.8122% | 5,601 |
| Assets per employee ($millions) | 2.6716% | 6,845 |
| Cash dividends to net income (ytd only)* | 62.7163% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6019% | 2,235 |
| Loan loss allowance to noncurrent loans | 129.5415% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 2.0703% | 2,379 |
| Noncurrent loans to loans | 1.2366% | 4,041 |
| Net loans and leases to total assets | 72.2798% | 3,520 |
| Net loans and leases to deposits | 82.8075% | 4,602 |
| Net loans and leases to core deposits | 94.9275% | 5,358 |
| Total domestic deposits to total assets | 87.2865% | 1,803 |
| Equity capital to assets | 10.3479% | 3,668 |
| Core capital (leverage) ratio | 9.9079% | 3,541 |
| Tier 1 risk-based capital ratio | 12.5990% | 4,368 |
| Total risk-based capital ratio | 13.8520% | 4,278 |
| Memoranda: | ||
| Average total assets | $191,647,800 | 3,246 |
| Average earning assets | $178,853,400 | 3,195 |
| Average equity | $19,614,800 | 3,286 |
| Average total loans | $143,245,000 | 3,033 |