Home > Washington County Bank > Performance and Condition Ratios
Washington 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 | 4.5136% | 3,080 |
| Cost of funding earning assets | 1.0326% | 3,220 |
| Net interest margin | 3.4810% | 2,231 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 1.9884% | 3,663 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.2650% | 1,507 |
| Return on assets (ROA) | 1.2659% | 1,477 |
| Pretax return on assets | 1.6081% | 1,216 |
| Return on Equity (ROE) | 14.6600% | 1,351 |
| Retained earnings to average equity (ytd only) | 11.9220% | 641 |
| Net charge-offs to loans | -0.0068% | 3,911 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 53.6507% | 3,703 |
| Assets per employee ($millions) | 7.2543% | 1,898 |
| Cash dividends to net income (ytd only)* | 18.6810% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1227% | 2,705 |
| Loan loss allowance to noncurrent loans | 417.2691% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.2043% | 2,203 |
| Noncurrent loans to loans | 0.2691% | 2,223 |
| Net loans and leases to total assets | 75.0800% | 1,230 |
| Net loans and leases to deposits | 95.4204% | 832 |
| Net loans and leases to core deposits | 104.8331% | 1,174 |
| Total domestic deposits to total assets | 78.6800% | 3,652 |
| Equity capital to assets | 9.1896% | 2,553 |
| Core capital (leverage) ratio | 10.4434% | 2,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7811% | 1,943 |
| Memoranda: | ||
| Average total assets | $594,107,000 | 1,493 |
| Average earning assets | $556,386,800 | 1,476 |
| Average equity | $51,300,000 | 1,577 |
| Average total loans | $443,186,400 | 1,361 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3573% | 3,183 |
| Cost of funding earning assets | 0.8857% | 3,309 |
| Net interest margin | 3.4715% | 2,273 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 2.0055% | 3,584 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.2398% | 1,678 |
| Return on assets (ROA) | 1.2405% | 1,666 |
| Pretax return on assets | 1.5617% | 1,435 |
| Return on Equity (ROE) | 14.6100% | 1,523 |
| Retained earnings to average equity (ytd only) | 12.5469% | 882 |
| Net charge-offs to loans | -0.0103% | 3,941 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.2834% | 3,566 |
| Assets per employee ($millions) | 7.0879% | 1,888 |
| Cash dividends to net income (ytd only)* | 14.1114% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1349% | 2,705 |
| Loan loss allowance to noncurrent loans | 327.6757% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.2590% | 1,978 |
| Noncurrent loans to loans | 0.3464% | 1,986 |
| Net loans and leases to total assets | 73.9400% | 1,347 |
| Net loans and leases to deposits | 93.4939% | 939 |
| Net loans and leases to core deposits | 101.9812% | 1,213 |
| Total domestic deposits to total assets | 79.0900% | 3,678 |
| Equity capital to assets | 8.4799% | 2,739 |
| Core capital (leverage) ratio | 10.4007% | 2,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6804% | 2,016 |
| Memoranda: | ||
| Average total assets | $590,293,250 | 1,504 |
| Average earning assets | $552,594,000 | 1,484 |
| Average equity | $50,125,500 | 1,591 |
| Average total loans | $438,305,000 | 1,365 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2173% | 3,262 |
| Cost of funding earning assets | 0.7362% | 3,386 |
| Net interest margin | 3.4811% | 2,309 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.0299% | 3,521 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.2285% | 1,753 |
| Return on assets (ROA) | 1.2290% | 1,741 |
| Pretax return on assets | 1.5459% | 1,506 |
| Return on Equity (ROE) | 14.4700% | 1,582 |
| Retained earnings to average equity (ytd only) | 11.3418% | 1,115 |
| Net charge-offs to loans | -0.0171% | 4,083 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 54.9180% | 3,541 |
| Assets per employee ($millions) | 6.4924% | 2,296 |
| Cash dividends to net income (ytd only)* | 21.5998% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 2,787 |
| Loan loss allowance to noncurrent loans | 465.0324% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.1830% | 2,281 |
| Noncurrent loans to loans | 0.2435% | 2,284 |
| Net loans and leases to total assets | 74.2900% | 1,251 |
| Net loans and leases to deposits | 94.0827% | 854 |
| Net loans and leases to core deposits | 102.7384% | 1,106 |
| Total domestic deposits to total assets | 78.9600% | 3,726 |
| Equity capital to assets | 8.5780% | 2,802 |
| Core capital (leverage) ratio | 10.2217% | 2,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5846% | 2,066 |
| Memoranda: | ||
| Average total assets | $583,871,667 | 1,518 |
| Average earning assets | $547,408,333 | 1,505 |
| Average equity | $49,604,000 | 1,605 |
| Average total loans | $432,446,000 | 1,369 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0189% | 3,415 |
| Cost of funding earning assets | 0.5552% | 3,516 |
| Net interest margin | 3.4637% | 2,463 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.0365% | 3,538 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.2036% | 1,923 |
| Return on assets (ROA) | 1.2047% | 1,878 |
| Pretax return on assets | 1.5148% | 1,642 |
| Return on Equity (ROE) | 14.2500% | 1,728 |
| Retained earnings to average equity (ytd only) | 7.9321% | 2,238 |
| Net charge-offs to loans | -0.0225% | 4,134 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.7018% | 3,434 |
| Assets per employee ($millions) | 6.7995% | 2,121 |
| Cash dividends to net income (ytd only)* | 44.3364% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1407% | 2,852 |
| Loan loss allowance to noncurrent loans | 411.0362% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.2054% | 2,111 |
| Noncurrent loans to loans | 0.2775% | 2,151 |
| Net loans and leases to total assets | 73.1600% | 1,302 |
| Net loans and leases to deposits | 88.1493% | 1,195 |
| Net loans and leases to core deposits | 92.4337% | 1,480 |
| Total domestic deposits to total assets | 83.0000% | 3,298 |
| Equity capital to assets | 8.6719% | 2,762 |
| Core capital (leverage) ratio | 10.1645% | 2,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4131% | 2,215 |
| Memoranda: | ||
| Average total assets | $580,405,500 | 1,550 |
| Average earning assets | $543,927,500 | 1,532 |
| Average equity | $49,066,500 | 1,635 |
| Average total loans | $426,699,500 | 1,396 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4780% | 3,138 |
| Cost of funding earning assets | 0.2022% | 3,743 |
| Net interest margin | 3.2759% | 2,632 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 1.8866% | 3,858 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.2408% | 1,623 |
| Return on assets (ROA) | 1.2407% | 1,580 |
| Pretax return on assets | 1.5461% | 1,306 |
| Return on Equity (ROE) | 14.3900% | 1,436 |
| Retained earnings to average equity (ytd only) | 11.2382% | 834 |
| Net charge-offs to loans | 0.0321% | 1,431 |
| Credit loss provision to net charge-offs | 306.3492% | 908 |
| Earnings coverage of net charge-offs (x) | 72.9841% | 1,136 |
| Efficiency ratio | 53.2113% | 3,861 |
| Assets per employee ($millions) | 6.9387% | 2,015 |
| Cash dividends to net income (ytd only)* | 21.9267% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1187% | 2,800 |
| Loan loss allowance to noncurrent loans | 292.5061% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.2793% | 1,756 |
| Noncurrent loans to loans | 0.3824% | 1,773 |
| Net loans and leases to total assets | 72.2200% | 1,393 |
| Net loans and leases to deposits | 87.3629% | 1,214 |
| Net loans and leases to core deposits | 90.3231% | 1,486 |
| Total domestic deposits to total assets | 82.6600% | 3,500 |
| Equity capital to assets | 8.2376% | 2,907 |
| Core capital (leverage) ratio | 9.9937% | 2,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0148% | 2,370 |
| Memoranda: | ||
| Average total assets | $569,758,200 | 1,562 |
| Average earning assets | $536,191,600 | 1,536 |
| Average equity | $49,109,400 | 1,647 |
| Average total loans | $392,779,400 | 1,418 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3303% | 3,098 |
| Cost of funding earning assets | 0.1561% | 3,777 |
| Net interest margin | 3.1742% | 2,700 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 1.8537% | 3,860 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.2433% | 1,543 |
| Return on assets (ROA) | 1.2430% | 1,518 |
| Pretax return on assets | 1.5428% | 1,293 |
| Return on Equity (ROE) | 14.2600% | 1,362 |
| Retained earnings to average equity (ytd only) | 12.1657% | 759 |
| Net charge-offs to loans | -0.0038% | 3,413 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.3892% | 3,880 |
| Assets per employee ($millions) | 7.1019% | 1,876 |
| Cash dividends to net income (ytd only)* | 14.6753% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1471% | 2,809 |
| Loan loss allowance to noncurrent loans | 252.7778% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.3078% | 1,714 |
| Noncurrent loans to loans | 0.4538% | 1,672 |
| Net loans and leases to total assets | 67.0400% | 1,780 |
| Net loans and leases to deposits | 77.9944% | 1,710 |
| Net loans and leases to core deposits | 80.5261% | 1,866 |
| Total domestic deposits to total assets | 85.9600% | 3,073 |
| Equity capital to assets | 7.9102% | 2,953 |
| Core capital (leverage) ratio | 9.9123% | 2,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2715% | 2,364 |
| Memoranda: | ||
| Average total assets | $566,485,250 | 1,578 |
| Average earning assets | $533,918,500 | 1,557 |
| Average equity | $49,383,500 | 1,658 |
| Average total loans | $384,554,000 | 1,439 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2369% | 2,933 |
| Cost of funding earning assets | 0.1592% | 3,461 |
| Net interest margin | 3.0778% | 2,610 |
| Noninterest income to average assets | 0.4521% | 2,431 |
| Noninterest expense to average assets | 1.7960% | 3,962 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2312% | 1,326 |
| Return on assets (ROA) | 1.2306% | 1,309 |
| Pretax return on assets | 1.5530% | 1,040 |
| Return on Equity (ROE) | 13.6646% | 1,198 |
| Retained earnings to average equity (ytd only) | 10.5717% | 885 |
| Net charge-offs to loans | -0.0090% | 3,555 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8863% | 4,053 |
| Assets per employee ($millions) | 6.5117% | 2,305 |
| Cash dividends to net income (ytd only)* | 22.6343% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1720% | 2,838 |
| Loan loss allowance to noncurrent loans | 292.3027% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.2729% | 1,948 |
| Noncurrent loans to loans | 0.4009% | 1,932 |
| Net loans and leases to total assets | 67.2665% | 1,554 |
| Net loans and leases to deposits | 78.3149% | 1,518 |
| Net loans and leases to core deposits | 81.5344% | 1,621 |
| Total domestic deposits to total assets | 85.8924% | 3,277 |
| Equity capital to assets | 8.5455% | 2,728 |
| Core capital (leverage) ratio | 9.6522% | 2,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5976% | 2,253 |
| Memoranda: | ||
| Average total assets | $556,460,000 | 1,606 |
| Average earning assets | $523,888,667 | 1,602 |
| Average equity | $50,115,000 | 1,682 |
| Average total loans | $377,873,000 | 1,448 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1495% | 2,826 |
| Cost of funding earning assets | 0.1648% | 3,300 |
| Net interest margin | 2.9847% | 2,550 |
| Noninterest income to average assets | 0.4490% | 2,394 |
| Noninterest expense to average assets | 1.7605% | 4,032 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1670% | 1,334 |
| Return on assets (ROA) | 1.1664% | 1,334 |
| Pretax return on assets | 1.4986% | 1,020 |
| Return on Equity (ROE) | 12.6201% | 1,125 |
| Retained earnings to average equity (ytd only) | 6.5376% | 2,060 |
| Net charge-offs to loans | -0.0257% | 4,017 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2488% | 4,106 |
| Assets per employee ($millions) | 7.2194% | 1,840 |
| Cash dividends to net income (ytd only)* | 48.1965% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 2,858 |
| Loan loss allowance to noncurrent loans | 234.8729% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.3422% | 1,740 |
| Noncurrent loans to loans | 0.5110% | 1,746 |
| Net loans and leases to total assets | 66.1588% | 1,394 |
| Net loans and leases to deposits | 78.7388% | 1,230 |
| Net loans and leases to core deposits | 82.6861% | 1,316 |
| Total domestic deposits to total assets | 84.0232% | 3,763 |
| Equity capital to assets | 8.7333% | 2,945 |
| Core capital (leverage) ratio | 9.5566% | 2,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2440% | 2,505 |
| Memoranda: | ||
| Average total assets | $551,431,000 | 1,631 |
| Average earning assets | $519,319,000 | 1,617 |
| Average equity | $50,966,500 | 1,713 |
| Average total loans | $374,011,500 | 1,449 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6109% | 2,358 |
| Cost of funding earning assets | 0.2443% | 3,002 |
| Net interest margin | 3.3666% | 2,123 |
| Noninterest income to average assets | 0.5233% | 2,473 |
| Noninterest expense to average assets | 1.9716% | 3,762 |
| Loan and lease loss provision to assets | 0.0431% | 2,192 |
| Net operating income to assets | 1.2465% | 1,753 |
| Return on assets (ROA) | 1.2471% | 1,811 |
| Pretax return on assets | 1.6111% | 1,397 |
| Return on Equity (ROE) | 12.6495% | 1,589 |
| Retained earnings to average equity (ytd only) | 9.9549% | 928 |
| Net charge-offs to loans | -0.0133% | 3,829 |
| Credit loss provision to net charge-offs | -459.1837% | 3,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6750% | 3,964 |
| Assets per employee ($millions) | 6.5823% | 2,256 |
| Cash dividends to net income (ytd only)* | 21.3024% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 2,817 |
| Loan loss allowance to noncurrent loans | 278.9343% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.2990% | 2,044 |
| Noncurrent loans to loans | 0.4351% | 2,049 |
| Net loans and leases to total assets | 67.8919% | 1,279 |
| Net loans and leases to deposits | 80.7325% | 1,156 |
| Net loans and leases to core deposits | 84.9977% | 1,261 |
| Total domestic deposits to total assets | 84.0949% | 3,534 |
| Equity capital to assets | 9.7739% | 2,876 |
| Core capital (leverage) ratio | 9.5575% | 2,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6515% | 2,385 |
| Memoranda: | ||
| Average total assets | $522,073,200 | 1,646 |
| Average earning assets | $480,983,800 | 1,658 |
| Average equity | $51,472,200 | 1,720 |
| Average total loans | $369,627,000 | 1,464 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6619% | 2,372 |
| Cost of funding earning assets | 0.2549% | 3,073 |
| Net interest margin | 3.4071% | 2,133 |
| Noninterest income to average assets | 0.5401% | 2,456 |
| Noninterest expense to average assets | 1.9887% | 3,714 |
| Loan and lease loss provision to assets | 0.0502% | 1,991 |
| Net operating income to assets | 1.2661% | 1,935 |
| Return on assets (ROA) | 1.2667% | 1,989 |
| Pretax return on assets | 1.6350% | 1,594 |
| Return on Equity (ROE) | 12.8191% | 1,757 |
| Retained earnings to average equity (ytd only) | 11.2265% | 1,004 |
| Net charge-offs to loans | 0.0047% | 2,166 |
| Credit loss provision to net charge-offs | 1,500.0000% | 396 |
| Earnings coverage of net charge-offs (x) | 503.0769% | 298 |
| Efficiency ratio | 53.4254% | 3,882 |
| Assets per employee ($millions) | 6.5147% | 2,231 |
| Cash dividends to net income (ytd only)* | 12.4237% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1816% | 3,074 |
| Loan loss allowance to noncurrent loans | 259.1069% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.3148% | 2,199 |
| Noncurrent loans to loans | 0.4560% | 2,195 |
| Net loans and leases to total assets | 68.2076% | 1,296 |
| Net loans and leases to deposits | 80.4989% | 1,238 |
| Net loans and leases to core deposits | 86.1175% | 1,280 |
| Total domestic deposits to total assets | 84.7311% | 3,205 |
| Equity capital to assets | 9.7670% | 3,136 |
| Core capital (leverage) ratio | 9.6649% | 2,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6264% | 2,496 |
| Memoranda: | ||
| Average total assets | $517,653,500 | 1,672 |
| Average earning assets | $476,018,750 | 1,684 |
| Average equity | $51,151,500 | 1,745 |
| Average total loans | $369,296,250 | 1,485 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6685% | 2,420 |
| Cost of funding earning assets | 0.2677% | 3,106 |
| Net interest margin | 3.4008% | 2,140 |
| Noninterest income to average assets | 0.5667% | 2,348 |
| Noninterest expense to average assets | 1.9927% | 3,718 |
| Loan and lease loss provision to assets | 0.0412% | 2,185 |
| Net operating income to assets | 1.2921% | 1,893 |
| Return on assets (ROA) | 1.2930% | 1,960 |
| Pretax return on assets | 1.6680% | 1,566 |
| Return on Equity (ROE) | 13.0321% | 1,706 |
| Retained earnings to average equity (ytd only) | 13.0321% | 714 |
| Net charge-offs to loans | 0.0043% | 1,996 |
| Credit loss provision to net charge-offs | 1,312.5000% | 391 |
| Earnings coverage of net charge-offs (x) | 544.3750% | 246 |
| Efficiency ratio | 53.1263% | 3,915 |
| Assets per employee ($millions) | 6.2876% | 2,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1862% | 3,015 |
| Loan loss allowance to noncurrent loans | 255.3129% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.3246% | 2,300 |
| Noncurrent loans to loans | 0.4646% | 2,282 |
| Net loans and leases to total assets | 69.0380% | 1,319 |
| Net loans and leases to deposits | 81.3098% | 1,296 |
| Net loans and leases to core deposits | 86.8953% | 1,354 |
| Total domestic deposits to total assets | 84.9073% | 3,133 |
| Equity capital to assets | 9.9795% | 2,869 |
| Core capital (leverage) ratio | 9.3899% | 3,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9257% | 2,390 |
| Memoranda: | ||
| Average total assets | $509,964,333 | 1,676 |
| Average earning assets | $469,950,333 | 1,698 |
| Average equity | $50,598,000 | 1,754 |
| Average total loans | $367,987,333 | 1,492 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4613% | 3,040 |
| Cost of funding earning assets | 0.2697% | 3,277 |
| Net interest margin | 3.1916% | 2,727 |
| Noninterest income to average assets | 0.5690% | 2,332 |
| Noninterest expense to average assets | 2.0095% | 3,689 |
| Loan and lease loss provision to assets | 0.0595% | 1,931 |
| Net operating income to assets | 1.1132% | 2,429 |
| Return on assets (ROA) | 1.1151% | 2,506 |
| Pretax return on assets | 1.4420% | 2,163 |
| Return on Equity (ROE) | 11.2722% | 2,282 |
| Retained earnings to average equity (ytd only) | 11.2722% | 1,325 |
| Net charge-offs to loans | 0.0108% | 1,540 |
| Credit loss provision to net charge-offs | 750.0000% | 491 |
| Earnings coverage of net charge-offs (x) | 188.9000% | 416 |
| Efficiency ratio | 56.5031% | 3,490 |
| Assets per employee ($millions) | 6.7040% | 1,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1225% | 3,325 |
| Loan loss allowance to noncurrent loans | 209.5168% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.3918% | 2,233 |
| Noncurrent loans to loans | 0.5358% | 2,246 |
| Net loans and leases to total assets | 72.3153% | 979 |
| Net loans and leases to deposits | 85.1489% | 1,037 |
| Net loans and leases to core deposits | 91.0898% | 1,163 |
| Total domestic deposits to total assets | 84.9280% | 3,128 |
| Equity capital to assets | 9.6279% | 3,070 |
| Core capital (leverage) ratio | 9.5581% | 2,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4164% | 2,835 |
| Memoranda: | ||
| Average total assets | $504,012,000 | 1,680 |
| Average earning assets | $464,216,000 | 1,703 |
| Average equity | $49,857,000 | 1,765 |
| Average total loans | $369,674,500 | 1,489 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1525% | 2,273 |
| Cost of funding earning assets | 0.4999% | 2,947 |
| Net interest margin | 3.6527% | 1,971 |
| Noninterest income to average assets | 0.5887% | 2,262 |
| Noninterest expense to average assets | 2.1576% | 3,795 |
| Loan and lease loss provision to assets | 0.0913% | 3,221 |
| Net operating income to assets | 1.3880% | 1,048 |
| Return on assets (ROA) | 1.3879% | 1,140 |
| Pretax return on assets | 1.7873% | 702 |
| Return on Equity (ROE) | 13.6514% | 897 |
| Retained earnings to average equity (ytd only) | 10.1584% | 556 |
| Net charge-offs to loans | 0.0310% | 2,414 |
| Credit loss provision to net charge-offs | 385.3211% | 1,477 |
| Earnings coverage of net charge-offs (x) | 79.3119% | 903 |
| Efficiency ratio | 52.7217% | 4,329 |
| Assets per employee ($millions) | 5.8448% | 2,504 |
| Cash dividends to net income (ytd only)* | 25.5872% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1846% | 3,031 |
| Loan loss allowance to noncurrent loans | 175.2176% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.4974% | 2,074 |
| Noncurrent loans to loans | 0.6761% | 1,994 |
| Net loans and leases to total assets | 72.7013% | 1,202 |
| Net loans and leases to deposits | 85.9457% | 1,257 |
| Net loans and leases to core deposits | 91.6782% | 1,410 |
| Total domestic deposits to total assets | 84.5898% | 2,918 |
| Equity capital to assets | 10.1768% | 2,958 |
| Core capital (leverage) ratio | 9.5776% | 3,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9500% | 2,645 |
| Memoranda: | ||
| Average total assets | $460,132,400 | 1,670 |
| Average earning assets | $434,314,200 | 1,645 |
| Average equity | $46,779,200 | 1,793 |
| Average total loans | $351,461,800 | 1,502 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0883% | 2,707 |
| Cost of funding earning assets | 0.5396% | 2,998 |
| Net interest margin | 3.5487% | 2,429 |
| Noninterest income to average assets | 0.5664% | 2,320 |
| Noninterest expense to average assets | 2.1141% | 3,909 |
| Loan and lease loss provision to assets | 0.0969% | 3,112 |
| Net operating income to assets | 1.2965% | 1,361 |
| Return on assets (ROA) | 1.2960% | 1,461 |
| Pretax return on assets | 1.7261% | 915 |
| Return on Equity (ROE) | 12.7516% | 1,182 |
| Retained earnings to average equity (ytd only) | 10.3903% | 689 |
| Net charge-offs to loans | 0.0335% | 2,156 |
| Credit loss provision to net charge-offs | 375.0000% | 1,532 |
| Earnings coverage of net charge-offs (x) | 70.5455% | 985 |
| Efficiency ratio | 52.9280% | 4,259 |
| Assets per employee ($millions) | 6.1688% | 2,120 |
| Cash dividends to net income (ytd only)* | 18.5177% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1249% | 3,066 |
| Loan loss allowance to noncurrent loans | 174.3816% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.4957% | 2,221 |
| Noncurrent loans to loans | 0.6451% | 2,178 |
| Net loans and leases to total assets | 75.9722% | 1,101 |
| Net loans and leases to deposits | 89.1257% | 1,358 |
| Net loans and leases to core deposits | 94.6050% | 1,588 |
| Total domestic deposits to total assets | 85.2416% | 2,340 |
| Equity capital to assets | 10.0463% | 3,189 |
| Core capital (leverage) ratio | 9.7809% | 2,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5260% | 2,782 |
| Memoranda: | ||
| Average total assets | $453,886,750 | 1,664 |
| Average earning assets | $431,202,500 | 1,636 |
| Average equity | $46,131,750 | 1,804 |
| Average total loans | $350,099,000 | 1,499 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2270% | 2,676 |
| Cost of funding earning assets | 0.6129% | 2,906 |
| Net interest margin | 3.6141% | 2,438 |
| Noninterest income to average assets | 0.5598% | 2,304 |
| Noninterest expense to average assets | 2.1596% | 3,900 |
| Loan and lease loss provision to assets | 0.1079% | 2,929 |
| Net operating income to assets | 1.2611% | 1,459 |
| Return on assets (ROA) | 1.2604% | 1,581 |
| Pretax return on assets | 1.7199% | 959 |
| Return on Equity (ROE) | 12.3491% | 1,253 |
| Retained earnings to average equity (ytd only) | 8.7497% | 1,090 |
| Net charge-offs to loans | 0.0128% | 2,508 |
| Credit loss provision to net charge-offs | 1,090.9091% | 747 |
| Earnings coverage of net charge-offs (x) | 184.8636% | 479 |
| Efficiency ratio | 53.3822% | 4,244 |
| Assets per employee ($millions) | 5.9268% | 2,249 |
| Cash dividends to net income (ytd only)* | 29.1473% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1262% | 2,896 |
| Loan loss allowance to noncurrent loans | 638.1173% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.2018% | 3,531 |
| Noncurrent loans to loans | 0.1765% | 3,741 |
| Net loans and leases to total assets | 77.5348% | 912 |
| Net loans and leases to deposits | 91.2328% | 1,238 |
| Net loans and leases to core deposits | 94.5881% | 1,696 |
| Total domestic deposits to total assets | 84.9856% | 2,404 |
| Equity capital to assets | 9.9900% | 3,216 |
| Core capital (leverage) ratio | 9.4659% | 3,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2620% | 2,896 |
| Memoranda: | ||
| Average total assets | $444,794,333 | 1,668 |
| Average earning assets | $421,956,333 | 1,642 |
| Average equity | $45,396,000 | 1,814 |
| Average total loans | $343,562,000 | 1,502 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3510% | 2,775 |
| Cost of funding earning assets | 0.6508% | 3,166 |
| Net interest margin | 3.7003% | 2,316 |
| Noninterest income to average assets | 0.5274% | 2,401 |
| Noninterest expense to average assets | 2.2194% | 3,960 |
| Loan and lease loss provision to assets | 0.0831% | 2,654 |
| Net operating income to assets | 1.3497% | 1,109 |
| Return on assets (ROA) | 1.3475% | 1,198 |
| Pretax return on assets | 1.7355% | 806 |
| Return on Equity (ROE) | 13.0540% | 873 |
| Retained earnings to average equity (ytd only) | 12.1414% | 409 |
| Net charge-offs to loans | 0.0048% | 2,406 |
| Credit loss provision to net charge-offs | 2,250.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 493.0000% | 132 |
| Efficiency ratio | 54.1486% | 4,388 |
| Assets per employee ($millions) | 5.5915% | 2,031 |
| Cash dividends to net income (ytd only)* | 6.9911% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1838% | 2,752 |
| Loan loss allowance to noncurrent loans | 197.5814% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.5426% | 2,365 |
| Noncurrent loans to loans | 0.5992% | 2,497 |
| Net loans and leases to total assets | 78.6278% | 886 |
| Net loans and leases to deposits | 91.6960% | 1,316 |
| Net loans and leases to core deposits | 95.4409% | 1,848 |
| Total domestic deposits to total assets | 85.7483% | 2,105 |
| Equity capital to assets | 10.7094% | 3,126 |
| Core capital (leverage) ratio | 10.0569% | 3,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3663% | 2,541 |
| Memoranda: | ||
| Average total assets | $433,083,000 | 1,668 |
| Average earning assets | $411,215,000 | 1,632 |
| Average equity | $44,706,500 | 1,825 |
| Average total loans | $331,760,000 | 1,518 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3643% | 3,347 |
| Cost of funding earning assets | 0.7101% | 3,119 |
| Net interest margin | 3.6542% | 2,948 |
| Noninterest income to average assets | 0.5035% | 2,716 |
| Noninterest expense to average assets | 2.1893% | 4,180 |
| Loan and lease loss provision to assets | 0.1338% | 1,588 |
| Net operating income to assets | 1.3059% | 1,668 |
| Return on assets (ROA) | 1.3064% | 1,742 |
| Pretax return on assets | 1.6841% | 1,234 |
| Return on Equity (ROE) | 13.4328% | 1,041 |
| Retained earnings to average equity (ytd only) | 9.3134% | 635 |
| Net charge-offs to loans | 0.0655% | 2,158 |
| Credit loss provision to net charge-offs | 280.9756% | 997 |
| Earnings coverage of net charge-offs (x) | 38.1659% | 1,356 |
| Efficiency ratio | 53.8609% | 4,432 |
| Assets per employee ($millions) | 5.8828% | 1,726 |
| Cash dividends to net income (ytd only)* | 30.6667% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2038% | 2,417 |
| Loan loss allowance to noncurrent loans | 649.5854% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.2001% | 3,666 |
| Noncurrent loans to loans | 0.1853% | 3,789 |
| Net loans and leases to total assets | 72.8602% | 1,941 |
| Net loans and leases to deposits | 84.1546% | 2,312 |
| Net loans and leases to core deposits | 88.1009% | 2,592 |
| Total domestic deposits to total assets | 86.5790% | 1,814 |
| Equity capital to assets | 9.9505% | 3,968 |
| Core capital (leverage) ratio | 9.6666% | 3,884 |
| Tier 1 risk-based capital ratio | 12.0621% | 4,328 |
| Total risk-based capital ratio | 13.1909% | 4,276 |
| Memoranda: | ||
| Average total assets | $430,557,400 | 1,625 |
| Average earning assets | $412,734,800 | 1,576 |
| Average equity | $41,875,200 | 1,853 |
| Average total loans | $313,176,600 | 1,548 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3711% | 3,445 |
| Cost of funding earning assets | 0.7133% | 3,140 |
| Net interest margin | 3.6578% | 3,067 |
| Noninterest income to average assets | 0.4864% | 2,820 |
| Noninterest expense to average assets | 2.1746% | 4,229 |
| Loan and lease loss provision to assets | 0.1259% | 1,545 |
| Net operating income to assets | 1.3110% | 1,807 |
| Return on assets (ROA) | 1.3115% | 1,882 |
| Pretax return on assets | 1.6938% | 1,351 |
| Return on Equity (ROE) | 13.5656% | 1,088 |
| Retained earnings to average equity (ytd only) | 10.1138% | 725 |
| Net charge-offs to loans | 0.0847% | 1,632 |
| Credit loss provision to net charge-offs | 205.0761% | 1,285 |
| Earnings coverage of net charge-offs (x) | 29.6345% | 1,634 |
| Efficiency ratio | 53.6553% | 4,429 |
| Assets per employee ($millions) | 5.7801% | 1,783 |
| Cash dividends to net income (ytd only)* | 25.4454% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1804% | 2,613 |
| Loan loss allowance to noncurrent loans | 708.1132% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.1862% | 3,827 |
| Noncurrent loans to loans | 0.1667% | 3,941 |
| Net loans and leases to total assets | 72.4749% | 2,089 |
| Net loans and leases to deposits | 83.2842% | 2,531 |
| Net loans and leases to core deposits | 86.8698% | 2,831 |
| Total domestic deposits to total assets | 87.0212% | 1,501 |
| Equity capital to assets | 9.9888% | 4,030 |
| Core capital (leverage) ratio | 9.5722% | 4,087 |
| Tier 1 risk-based capital ratio | 12.2425% | 4,287 |
| Total risk-based capital ratio | 13.3615% | 4,256 |
| Memoranda: | ||
| Average total assets | $427,893,750 | 1,645 |
| Average earning assets | $410,286,250 | 1,588 |
| Average equity | $41,368,250 | 1,881 |
| Average total loans | $310,124,500 | 1,575 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3215% | 3,577 |
| Cost of funding earning assets | 0.6946% | 3,196 |
| Net interest margin | 3.6268% | 3,173 |
| Noninterest income to average assets | 0.4399% | 3,014 |
| Noninterest expense to average assets | 2.2093% | 4,204 |
| Loan and lease loss provision to assets | 0.1042% | 1,799 |
| Net operating income to assets | 1.2423% | 1,996 |
| Return on assets (ROA) | 1.2427% | 2,043 |
| Pretax return on assets | 1.6074% | 1,526 |
| Return on Equity (ROE) | 12.9998% | 1,242 |
| Retained earnings to average equity (ytd only) | 10.9519% | 550 |
| Net charge-offs to loans | 0.1229% | 1,211 |
| Credit loss provision to net charge-offs | 117.4603% | 1,771 |
| Earnings coverage of net charge-offs (x) | 19.2857% | 1,824 |
| Efficiency ratio | 55.5383% | 4,301 |
| Assets per employee ($millions) | 5.5060% | 1,963 |
| Cash dividends to net income (ytd only)* | 15.7537% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1184% | 2,977 |
| Loan loss allowance to noncurrent loans | 513.4864% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.2165% | 3,707 |
| Noncurrent loans to loans | 0.2178% | 3,760 |
| Net loans and leases to total assets | 73.6796% | 1,936 |
| Net loans and leases to deposits | 84.0286% | 2,493 |
| Net loans and leases to core deposits | 86.4501% | 2,930 |
| Total domestic deposits to total assets | 87.6840% | 1,253 |
| Equity capital to assets | 9.8495% | 4,095 |
| Core capital (leverage) ratio | 9.2379% | 4,418 |
| Tier 1 risk-based capital ratio | 11.9705% | 4,433 |
| Total risk-based capital ratio | 13.0383% | 4,424 |
| Memoranda: | ||
| Average total assets | $426,023,000 | 1,654 |
| Average earning assets | $408,842,000 | 1,597 |
| Average equity | $40,723,670 | 1,901 |
| Average total loans | $307,520,670 | 1,585 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2097% | 3,829 |
| Cost of funding earning assets | 0.6568% | 3,280 |
| Net interest margin | 3.5529% | 3,424 |
| Noninterest income to average assets | 0.4110% | 3,106 |
| Noninterest expense to average assets | 2.1984% | 4,261 |
| Loan and lease loss provision to assets | 0.0764% | 2,147 |
| Net operating income to assets | 1.1863% | 2,106 |
| Return on assets (ROA) | 1.1878% | 2,148 |
| Pretax return on assets | 1.5395% | 1,644 |
| Return on Equity (ROE) | 12.6204% | 1,350 |
| Retained earnings to average equity (ytd only) | 8.4436% | 1,511 |
| Net charge-offs to loans | 0.0066% | 2,460 |
| Credit loss provision to net charge-offs | 1,620.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 342.4000% | 234 |
| Efficiency ratio | 56.8249% | 4,235 |
| Assets per employee ($millions) | 5.4802% | 1,999 |
| Cash dividends to net income (ytd only)* | 33.0952% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1900% | 2,634 |
| Loan loss allowance to noncurrent loans | 386.5528% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.2250% | 3,728 |
| Noncurrent loans to loans | 0.3078% | 3,466 |
| Net loans and leases to total assets | 72.2099% | 2,119 |
| Net loans and leases to deposits | 82.8567% | 2,524 |
| Net loans and leases to core deposits | 85.0393% | 2,951 |
| Total domestic deposits to total assets | 87.1504% | 1,738 |
| Equity capital to assets | 9.7368% | 4,058 |
| Core capital (leverage) ratio | 9.2263% | 4,440 |
| Tier 1 risk-based capital ratio | 11.9182% | 4,506 |
| Total risk-based capital ratio | 13.0334% | 4,478 |
| Memoranda: | ||
| Average total assets | $424,302,000 | 1,662 |
| Average earning assets | $406,202,500 | 1,610 |
| Average equity | $39,935,500 | 1,923 |
| Average total loans | $301,277,500 | 1,628 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2276% | 3,364 |
| Cost of funding earning assets | 0.4771% | 3,502 |
| Net interest margin | 3.7505% | 2,856 |
| Noninterest income to average assets | 0.5275% | 2,672 |
| Noninterest expense to average assets | 2.3098% | 4,094 |
| Loan and lease loss provision to assets | 0.0884% | 2,379 |
| Net operating income to assets | 1.3450% | 1,633 |
| Return on assets (ROA) | 1.3446% | 1,624 |
| Pretax return on assets | 1.7292% | 1,096 |
| Return on Equity (ROE) | 13.7024% | 1,127 |
| Retained earnings to average equity (ytd only) | 11.3753% | 386 |
| Net charge-offs to loans | 0.1332% | 1,419 |
| Credit loss provision to net charge-offs | 85.2792% | 2,780 |
| Earnings coverage of net charge-offs (x) | 17.5406% | 2,189 |
| Efficiency ratio | 55.5223% | 4,468 |
| Assets per employee ($millions) | 5.7615% | 1,709 |
| Cash dividends to net income (ytd only)* | 16.9830% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 2,628 |
| Loan loss allowance to noncurrent loans | 465.9658% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.3034% | 3,360 |
| Noncurrent loans to loans | 0.2552% | 3,667 |
| Net loans and leases to total assets | 68.1856% | 2,859 |
| Net loans and leases to deposits | 78.2762% | 3,137 |
| Net loans and leases to core deposits | 80.6586% | 3,382 |
| Total domestic deposits to total assets | 87.1091% | 1,731 |
| Equity capital to assets | 9.0991% | 4,488 |
| Core capital (leverage) ratio | 8.4040% | 5,067 |
| Tier 1 risk-based capital ratio | 11.5559% | 4,697 |
| Total risk-based capital ratio | 12.6394% | 4,683 |
| Memoranda: | ||
| Average total assets | $380,126,800 | 1,799 |
| Average earning assets | $364,914,800 | 1,747 |
| Average equity | $37,300,000 | 1,968 |
| Average total loans | $295,729,600 | 1,608 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1596% | 3,433 |
| Cost of funding earning assets | 0.3845% | 3,974 |
| Net interest margin | 3.7751% | 2,733 |
| Noninterest income to average assets | 0.5309% | 2,669 |
| Noninterest expense to average assets | 2.3711% | 3,922 |
| Loan and lease loss provision to assets | 0.0784% | 2,388 |
| Net operating income to assets | 1.3354% | 1,719 |
| Return on assets (ROA) | 1.3354% | 1,731 |
| Pretax return on assets | 1.7152% | 1,236 |
| Return on Equity (ROE) | 13.3237% | 1,320 |
| Retained earnings to average equity (ytd only) | 13.3237% | 322 |
| Net charge-offs to loans | 0.1590% | 1,041 |
| Credit loss provision to net charge-offs | 61.3636% | 2,733 |
| Earnings coverage of net charge-offs (x) | 14.0313% | 2,312 |
| Efficiency ratio | 56.6359% | 4,292 |
| Assets per employee ($millions) | 5.2131% | 2,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1546% | 2,883 |
| Loan loss allowance to noncurrent loans | 812.1780% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.2603% | 3,650 |
| Noncurrent loans to loans | 0.1422% | 4,246 |
| Net loans and leases to total assets | 79.0986% | 1,147 |
| Net loans and leases to deposits | 94.7045% | 1,300 |
| Net loans and leases to core deposits | 98.6064% | 1,895 |
| Total domestic deposits to total assets | 83.5215% | 3,112 |
| Equity capital to assets | 10.2322% | 3,417 |
| Core capital (leverage) ratio | 10.1018% | 3,518 |
| Tier 1 risk-based capital ratio | 11.6761% | 4,688 |
| Total risk-based capital ratio | 12.7639% | 4,669 |
| Memoranda: | ||
| Average total assets | $367,131,000 | 1,849 |
| Average earning assets | $353,391,500 | 1,801 |
| Average equity | $36,795,500 | 1,994 |
| Average total loans | $295,116,250 | 1,620 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0830% | 3,517 |
| Cost of funding earning assets | 0.3652% | 3,975 |
| Net interest margin | 3.7178% | 2,865 |
| Noninterest income to average assets | 0.5291% | 2,696 |
| Noninterest expense to average assets | 2.2915% | 4,163 |
| Loan and lease loss provision to assets | 0.0296% | 3,318 |
| Net operating income to assets | 1.3930% | 1,468 |
| Return on assets (ROA) | 1.3930% | 1,469 |
| Pretax return on assets | 1.7948% | 976 |
| Return on Equity (ROE) | 13.9994% | 1,076 |
| Retained earnings to average equity (ytd only) | 13.9994% | 281 |
| Net charge-offs to loans | -0.0245% | 4,658 |
| Credit loss provision to net charge-offs | -150.0000% | 4,140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6741% | 4,519 |
| Assets per employee ($millions) | 5.4567% | 1,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2490% | 2,439 |
| Loan loss allowance to noncurrent loans | 292.2468% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.3457% | 3,372 |
| Noncurrent loans to loans | 0.4274% | 3,172 |
| Net loans and leases to total assets | 79.8870% | 1,040 |
| Net loans and leases to deposits | 98.7093% | 909 |
| Net loans and leases to core deposits | 103.9155% | 1,404 |
| Total domestic deposits to total assets | 80.9316% | 4,015 |
| Equity capital to assets | 10.2311% | 3,412 |
| Core capital (leverage) ratio | 10.4143% | 3,123 |
| Tier 1 risk-based capital ratio | 12.2715% | 4,333 |
| Total risk-based capital ratio | 13.4644% | 4,242 |
| Memoranda: | ||
| Average total assets | $364,393,330 | 1,870 |
| Average earning assets | $351,554,000 | 1,816 |
| Average equity | $36,258,670 | 2,022 |
| Average total loans | $293,368,330 | 1,635 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0154% | 3,551 |
| Cost of funding earning assets | 0.3499% | 3,994 |
| Net interest margin | 3.6655% | 2,937 |
| Noninterest income to average assets | 0.5124% | 2,734 |
| Noninterest expense to average assets | 2.3497% | 4,065 |
| Loan and lease loss provision to assets | 0.0594% | 2,581 |
| Net operating income to assets | 1.2722% | 1,737 |
| Return on assets (ROA) | 1.2722% | 1,743 |
| Pretax return on assets | 1.6394% | 1,272 |
| Return on Equity (ROE) | 12.9689% | 1,268 |
| Retained earnings to average equity (ytd only) | 12.9689% | 526 |
| Net charge-offs to loans | -0.0055% | 4,042 |
| Credit loss provision to net charge-offs | -1,350.0000% | 4,216 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0391% | 4,334 |
| Assets per employee ($millions) | 5.3819% | 2,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2589% | 2,466 |
| Loan loss allowance to noncurrent loans | 290.6349% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.3494% | 3,446 |
| Noncurrent loans to loans | 0.4332% | 3,234 |
| Net loans and leases to total assets | 79.6567% | 984 |
| Net loans and leases to deposits | 95.2923% | 1,095 |
| Net loans and leases to core deposits | 109.5457% | 1,028 |
| Total domestic deposits to total assets | 83.5919% | 3,469 |
| Equity capital to assets | 10.0110% | 3,581 |
| Core capital (leverage) ratio | 10.0731% | 3,454 |
| Tier 1 risk-based capital ratio | 11.9926% | 4,549 |
| Total risk-based capital ratio | 13.1919% | 4,479 |
| Memoranda: | ||
| Average total assets | $363,790,000 | 1,882 |
| Average earning assets | $350,946,500 | 1,831 |
| Average equity | $35,685,500 | 2,065 |
| Average total loans | $292,172,000 | 1,647 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9089% | 3,693 |
| Cost of funding earning assets | 0.3052% | 4,083 |
| Net interest margin | 3.6037% | 3,149 |
| Noninterest income to average assets | 0.5936% | 2,479 |
| Noninterest expense to average assets | 2.3082% | 4,308 |
| Loan and lease loss provision to assets | 0.0496% | 3,230 |
| Net operating income to assets | 0.9848% | 2,310 |
| Return on assets (ROA) | 0.9883% | 2,333 |
| Pretax return on assets | 1.7179% | 968 |
| Return on Equity (ROE) | 10.3455% | 1,752 |
| Retained earnings to average equity (ytd only) | 6.2656% | 1,400 |
| Net charge-offs to loans | 0.0590% | 2,626 |
| Credit loss provision to net charge-offs | 107.7844% | 2,411 |
| Earnings coverage of net charge-offs (x) | 38.3054% | 1,298 |
| Efficiency ratio | 56.7098% | 4,693 |
| Assets per employee ($millions) | 5.4775% | 1,957 |
| Cash dividends to net income (ytd only)* | 39.4370% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2281% | 2,613 |
| Loan loss allowance to noncurrent loans | 283.1108% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.3469% | 3,478 |
| Noncurrent loans to loans | 0.4338% | 3,228 |
| Net loans and leases to total assets | 78.9787% | 1,123 |
| Net loans and leases to deposits | 94.9447% | 1,182 |
| Net loans and leases to core deposits | 108.8578% | 1,069 |
| Total domestic deposits to total assets | 83.1840% | 3,500 |
| Equity capital to assets | 9.6113% | 4,131 |
| Core capital (leverage) ratio | 9.6094% | 3,911 |
| Tier 1 risk-based capital ratio | 11.2698% | 5,002 |
| Total risk-based capital ratio | 12.4151% | 4,930 |
| Memoranda: | ||
| Average total assets | $363,049,800 | 1,852 |
| Average earning assets | $350,249,800 | 1,803 |
| Average equity | $34,681,600 | 2,100 |
| Average total loans | $282,874,600 | 1,641 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8872% | 3,721 |
| Cost of funding earning assets | 0.3010% | 4,120 |
| Net interest margin | 3.5862% | 3,208 |
| Noninterest income to average assets | 0.6157% | 2,388 |
| Noninterest expense to average assets | 2.2548% | 4,409 |
| Loan and lease loss provision to assets | 0.0442% | 3,217 |
| Net operating income to assets | 1.1651% | 1,822 |
| Return on assets (ROA) | 1.1699% | 1,844 |
| Pretax return on assets | 1.7860% | 919 |
| Return on Equity (ROE) | 12.2659% | 1,252 |
| Retained earnings to average equity (ytd only) | 9.5325% | 696 |
| Net charge-offs to loans | 0.0514% | 2,406 |
| Credit loss provision to net charge-offs | 111.1111% | 2,127 |
| Earnings coverage of net charge-offs (x) | 45.8322% | 1,184 |
| Efficiency ratio | 55.2967% | 4,816 |
| Assets per employee ($millions) | 5.4873% | 1,935 |
| Cash dividends to net income (ytd only)* | 22.2853% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2782% | 2,471 |
| Loan loss allowance to noncurrent loans | 720.6000% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.1340% | 4,575 |
| Noncurrent loans to loans | 0.1774% | 4,360 |
| Net loans and leases to total assets | 74.5786% | 1,826 |
| Net loans and leases to deposits | 87.6023% | 2,115 |
| Net loans and leases to core deposits | 103.0113% | 1,464 |
| Total domestic deposits to total assets | 85.1331% | 2,663 |
| Equity capital to assets | 9.6056% | 4,339 |
| Core capital (leverage) ratio | 9.6146% | 4,024 |
| Tier 1 risk-based capital ratio | 11.9955% | 4,625 |
| Total risk-based capital ratio | 13.2056% | 4,535 |
| Memoranda: | ||
| Average total assets | $362,063,500 | 1,872 |
| Average earning assets | $349,512,000 | 1,814 |
| Average equity | $34,533,750 | 2,125 |
| Average total loans | $280,230,250 | 1,666 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8424% | 3,752 |
| Cost of funding earning assets | 0.2945% | 4,134 |
| Net interest margin | 3.5479% | 3,222 |
| Noninterest income to average assets | 0.6273% | 2,332 |
| Noninterest expense to average assets | 2.2876% | 4,380 |
| Loan and lease loss provision to assets | 0.0446% | 3,098 |
| Net operating income to assets | 1.1229% | 1,883 |
| Return on assets (ROA) | 1.1301% | 1,904 |
| Pretax return on assets | 1.7278% | 996 |
| Return on Equity (ROE) | 11.8776% | 1,336 |
| Retained earnings to average equity (ytd only) | 7.7249% | 1,273 |
| Net charge-offs to loans | 0.0386% | 2,424 |
| Credit loss provision to net charge-offs | 148.1481% | 1,540 |
| Earnings coverage of net charge-offs (x) | 58.4444% | 970 |
| Efficiency ratio | 56.4990% | 4,765 |
| Assets per employee ($millions) | 5.5508% | 1,829 |
| Cash dividends to net income (ytd only)* | 34.9630% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2767% | 2,531 |
| Loan loss allowance to noncurrent loans | 747.3140% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.1321% | 4,656 |
| Noncurrent loans to loans | 0.1708% | 4,437 |
| Net loans and leases to total assets | 76.3458% | 1,493 |
| Net loans and leases to deposits | 90.2480% | 1,693 |
| Net loans and leases to core deposits | 107.0956% | 1,154 |
| Total domestic deposits to total assets | 84.5956% | 2,981 |
| Equity capital to assets | 9.4789% | 4,422 |
| Core capital (leverage) ratio | 9.2710% | 4,395 |
| Tier 1 risk-based capital ratio | 11.6285% | 4,879 |
| Total risk-based capital ratio | 12.8455% | 4,781 |
| Memoranda: | ||
| Average total assets | $358,372,000 | 1,893 |
| Average earning assets | $345,613,670 | 1,833 |
| Average equity | $34,097,670 | 2,138 |
| Average total loans | $279,679,000 | 1,665 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7770% | 3,842 |
| Cost of funding earning assets | 0.2896% | 4,146 |
| Net interest margin | 3.4874% | 3,318 |
| Noninterest income to average assets | 0.6400% | 2,227 |
| Noninterest expense to average assets | 2.3116% | 4,375 |
| Loan and lease loss provision to assets | 0.0226% | 3,289 |
| Net operating income to assets | 1.0890% | 1,914 |
| Return on assets (ROA) | 1.1039% | 1,894 |
| Pretax return on assets | 1.6852% | 1,037 |
| Return on Equity (ROE) | 11.5796% | 1,379 |
| Retained earnings to average equity (ytd only) | 11.5796% | 519 |
| Net charge-offs to loans | 0.0029% | 2,868 |
| Credit loss provision to net charge-offs | 1,000.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 746.5000% | 66 |
| Efficiency ratio | 57.8368% | 4,737 |
| Assets per employee ($millions) | 5.4698% | 1,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2940% | 2,565 |
| Loan loss allowance to noncurrent loans | 531.5169% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.1881% | 4,497 |
| Noncurrent loans to loans | 0.2435% | 4,234 |
| Net loans and leases to total assets | 76.2560% | 1,372 |
| Net loans and leases to deposits | 89.6762% | 1,580 |
| Net loans and leases to core deposits | 104.4348% | 1,198 |
| Total domestic deposits to total assets | 85.0348% | 3,071 |
| Equity capital to assets | 9.4977% | 4,285 |
| Core capital (leverage) ratio | 9.6710% | 3,900 |
| Tier 1 risk-based capital ratio | 11.6556% | 4,942 |
| Total risk-based capital ratio | 12.8847% | 4,851 |
| Memoranda: | ||
| Average total assets | $354,383,000 | 1,917 |
| Average earning assets | $341,116,500 | 1,866 |
| Average equity | $33,783,500 | 2,162 |
| Average total loans | $277,863,500 | 1,688 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7657% | 4,006 |
| Cost of funding earning assets | 0.2708% | 4,358 |
| Net interest margin | 3.4949% | 3,451 |
| Noninterest income to average assets | 0.7637% | 1,908 |
| Noninterest expense to average assets | 2.3765% | 4,355 |
| Loan and lease loss provision to assets | 0.1008% | 2,360 |
| Net operating income to assets | 1.0782% | 1,997 |
| Return on assets (ROA) | 1.0782% | 2,098 |
| Pretax return on assets | 1.6421% | 1,161 |
| Return on Equity (ROE) | 11.5027% | 1,404 |
| Retained earnings to average equity (ytd only) | 7.0970% | 1,189 |
| Net charge-offs to loans | 0.0213% | 3,623 |
| Credit loss provision to net charge-offs | 603.4483% | 566 |
| Earnings coverage of net charge-offs (x) | 104.3448% | 579 |
| Efficiency ratio | 57.6902% | 4,890 |
| Assets per employee ($millions) | 5.2691% | 2,095 |
| Cash dividends to net income (ytd only)* | 38.3013% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2972% | 2,560 |
| Loan loss allowance to noncurrent loans | 507.2034% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.2036% | 4,508 |
| Noncurrent loans to loans | 0.2558% | 4,239 |
| Net loans and leases to total assets | 78.5709% | 1,112 |
| Net loans and leases to deposits | 92.9837% | 1,302 |
| Net loans and leases to core deposits | 104.8991% | 1,212 |
| Total domestic deposits to total assets | 84.4997% | 3,237 |
| Equity capital to assets | 9.5698% | 4,196 |
| Core capital (leverage) ratio | 9.5086% | 4,070 |
| Tier 1 risk-based capital ratio | 11.4311% | 5,099 |
| Total risk-based capital ratio | 12.6658% | 5,008 |
| Memoranda: | ||
| Average total assets | $347,235,000 | 1,913 |
| Average earning assets | $333,400,800 | 1,856 |
| Average equity | $32,549,000 | 2,202 |
| Average total loans | $271,742,400 | 1,665 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7428% | 4,109 |
| Cost of funding earning assets | 0.2647% | 4,450 |
| Net interest margin | 3.4781% | 3,549 |
| Noninterest income to average assets | 0.7356% | 2,020 |
| Noninterest expense to average assets | 2.3647% | 4,368 |
| Loan and lease loss provision to assets | 0.0576% | 3,094 |
| Net operating income to assets | 1.0882% | 2,051 |
| Return on assets (ROA) | 1.0882% | 2,146 |
| Pretax return on assets | 1.6544% | 1,235 |
| Return on Equity (ROE) | 11.6703% | 1,424 |
| Retained earnings to average equity (ytd only) | 8.7167% | 903 |
| Net charge-offs to loans | -0.0099% | 4,763 |
| Credit loss provision to net charge-offs | -750.0000% | 5,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0043% | 4,814 |
| Assets per employee ($millions) | 5.7527% | 1,619 |
| Cash dividends to net income (ytd only)* | 25.3090% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2602% | 2,895 |
| Loan loss allowance to noncurrent loans | 609.6661% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.1570% | 4,805 |
| Noncurrent loans to loans | 0.2067% | 4,529 |
| Net loans and leases to total assets | 74.9976% | 1,703 |
| Net loans and leases to deposits | 89.2165% | 1,853 |
| Net loans and leases to core deposits | 100.3971% | 1,595 |
| Total domestic deposits to total assets | 84.0625% | 3,200 |
| Equity capital to assets | 9.2561% | 4,912 |
| Core capital (leverage) ratio | 9.4777% | 4,207 |
| Tier 1 risk-based capital ratio | 11.3119% | 5,196 |
| Total risk-based capital ratio | 12.4992% | 5,128 |
| Memoranda: | ||
| Average total assets | $347,103,500 | 1,917 |
| Average earning assets | $333,431,250 | 1,862 |
| Average equity | $32,366,250 | 2,224 |
| Average total loans | $270,470,500 | 1,668 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7423% | 4,149 |
| Cost of funding earning assets | 0.2587% | 4,562 |
| Net interest margin | 3.4836% | 3,545 |
| Noninterest income to average assets | 0.7140% | 2,073 |
| Noninterest expense to average assets | 2.4257% | 4,251 |
| Loan and lease loss provision to assets | 0.0439% | 3,273 |
| Net operating income to assets | 1.0579% | 2,141 |
| Return on assets (ROA) | 1.0579% | 2,263 |
| Pretax return on assets | 1.6064% | 1,360 |
| Return on Equity (ROE) | 11.3158% | 1,535 |
| Retained earnings to average equity (ytd only) | 6.8308% | 1,700 |
| Net charge-offs to loans | 0.0015% | 3,657 |
| Credit loss provision to net charge-offs | 3,750.0000% | 114 |
| Earnings coverage of net charge-offs (x) | 1,411.0000% | 30 |
| Efficiency ratio | 59.5122% | 4,708 |
| Assets per employee ($millions) | 5.2445% | 2,042 |
| Cash dividends to net income (ytd only)* | 39.6352% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 3,229 |
| Loan loss allowance to noncurrent loans | 526.8750% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.1849% | 4,749 |
| Noncurrent loans to loans | 0.2322% | 4,511 |
| Net loans and leases to total assets | 78.6437% | 1,119 |
| Net loans and leases to deposits | 96.4569% | 1,033 |
| Net loans and leases to core deposits | 109.4196% | 960 |
| Total domestic deposits to total assets | 81.5324% | 4,133 |
| Equity capital to assets | 9.4281% | 4,843 |
| Core capital (leverage) ratio | 9.2759% | 4,489 |
| Tier 1 risk-based capital ratio | 11.0767% | 5,381 |
| Total risk-based capital ratio | 12.2429% | 5,353 |
| Memoranda: | ||
| Average total assets | $341,997,670 | 1,953 |
| Average earning assets | $330,062,330 | 1,879 |
| Average equity | $31,973,000 | 2,246 |
| Average total loans | $268,868,670 | 1,678 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7411% | 4,164 |
| Cost of funding earning assets | 0.2538% | 4,662 |
| Net interest margin | 3.4873% | 3,518 |
| Noninterest income to average assets | 0.7131% | 1,975 |
| Noninterest expense to average assets | 2.4793% | 4,132 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0532% | 2,074 |
| Return on assets (ROA) | 1.0532% | 2,181 |
| Pretax return on assets | 1.5968% | 1,305 |
| Return on Equity (ROE) | 11.3139% | 1,500 |
| Retained earnings to average equity (ytd only) | 11.3139% | 600 |
| Net charge-offs to loans | 0.0045% | 2,968 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 452.3333% | 126 |
| Efficiency ratio | 60.8256% | 4,630 |
| Assets per employee ($millions) | 5.4002% | 1,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2381% | 3,263 |
| Loan loss allowance to noncurrent loans | 660.5210% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.1467% | 4,990 |
| Noncurrent loans to loans | 0.1874% | 4,736 |
| Net loans and leases to total assets | 77.2820% | 1,209 |
| Net loans and leases to deposits | 94.7447% | 1,068 |
| Net loans and leases to core deposits | 105.6199% | 1,098 |
| Total domestic deposits to total assets | 81.5687% | 4,338 |
| Equity capital to assets | 9.4711% | 4,690 |
| Core capital (leverage) ratio | 9.3767% | 4,385 |
| Tier 1 risk-based capital ratio | 12.1527% | 4,810 |
| Total risk-based capital ratio | 13.4027% | 4,711 |
| Memoranda: | ||
| Average total assets | $339,928,500 | 1,970 |
| Average earning assets | $327,814,500 | 1,894 |
| Average equity | $31,642,500 | 2,267 |
| Average total loans | $265,510,000 | 1,693 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6974% | 4,375 |
| Cost of funding earning assets | 0.2184% | 5,110 |
| Net interest margin | 3.4791% | 3,598 |
| Noninterest income to average assets | 0.8129% | 1,732 |
| Noninterest expense to average assets | 2.4836% | 4,278 |
| Loan and lease loss provision to assets | 0.0965% | 2,379 |
| Net operating income to assets | 1.0502% | 2,122 |
| Return on assets (ROA) | 1.0502% | 2,208 |
| Pretax return on assets | 1.5841% | 1,297 |
| Return on Equity (ROE) | 11.8120% | 1,348 |
| Retained earnings to average equity (ytd only) | 7.2715% | 1,173 |
| Net charge-offs to loans | 0.0116% | 4,074 |
| Credit loss provision to net charge-offs | 1,100.0000% | 306 |
| Earnings coverage of net charge-offs (x) | 191.5000% | 346 |
| Efficiency ratio | 59.6417% | 4,955 |
| Assets per employee ($millions) | 5.3069% | 2,002 |
| Cash dividends to net income (ytd only)* | 38.4401% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2459% | 3,202 |
| Loan loss allowance to noncurrent loans | 850.2577% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.1142% | 5,131 |
| Noncurrent loans to loans | 0.1465% | 4,907 |
| Net loans and leases to total assets | 76.9928% | 1,252 |
| Net loans and leases to deposits | 93.5783% | 1,239 |
| Net loans and leases to core deposits | 105.0171% | 1,162 |
| Total domestic deposits to total assets | 82.2763% | 4,090 |
| Equity capital to assets | 9.1458% | 4,976 |
| Core capital (leverage) ratio | 9.1704% | 4,660 |
| Tier 1 risk-based capital ratio | 10.9612% | 5,538 |
| Total risk-based capital ratio | 12.1302% | 5,497 |
| Memoranda: | ||
| Average total assets | $341,843,600 | 1,907 |
| Average earning assets | $329,283,400 | 1,843 |
| Average equity | $30,392,800 | 2,293 |
| Average total loans | $258,526,600 | 1,680 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6865% | 4,458 |
| Cost of funding earning assets | 0.2119% | 5,271 |
| Net interest margin | 3.4746% | 3,644 |
| Noninterest income to average assets | 0.8267% | 1,698 |
| Noninterest expense to average assets | 2.4521% | 4,340 |
| Loan and lease loss provision to assets | 0.0927% | 2,313 |
| Net operating income to assets | 1.0806% | 2,094 |
| Return on assets (ROA) | 1.0806% | 2,178 |
| Pretax return on assets | 1.6281% | 1,305 |
| Return on Equity (ROE) | 12.2411% | 1,305 |
| Retained earnings to average equity (ytd only) | 9.1974% | 832 |
| Net charge-offs to loans | 0.0166% | 3,623 |
| Credit loss provision to net charge-offs | 743.7500% | 464 |
| Earnings coverage of net charge-offs (x) | 138.0794% | 494 |
| Efficiency ratio | 58.7626% | 5,037 |
| Assets per employee ($millions) | 5.1789% | 2,090 |
| Cash dividends to net income (ytd only)* | 24.8649% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2249% | 3,513 |
| Loan loss allowance to noncurrent loans | 1,033.8710% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.0907% | 5,385 |
| Noncurrent loans to loans | 0.1185% | 5,152 |
| Net loans and leases to total assets | 75.6122% | 1,444 |
| Net loans and leases to deposits | 96.6200% | 946 |
| Net loans and leases to core deposits | 103.2594% | 1,284 |
| Total domestic deposits to total assets | 78.2573% | 5,141 |
| Equity capital to assets | 9.1321% | 5,180 |
| Core capital (leverage) ratio | 9.1620% | 4,786 |
| Tier 1 risk-based capital ratio | 10.8310% | 5,744 |
| Total risk-based capital ratio | 11.9577% | 5,726 |
| Memoranda: | ||
| Average total assets | $342,394,000 | 1,920 |
| Average earning assets | $329,736,250 | 1,850 |
| Average equity | $30,225,250 | 2,319 |
| Average total loans | $256,958,500 | 1,692 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6336% | 4,627 |
| Cost of funding earning assets | 0.2103% | 5,350 |
| Net interest margin | 3.4233% | 3,817 |
| Noninterest income to average assets | 0.8196% | 1,700 |
| Noninterest expense to average assets | 2.4397% | 4,431 |
| Loan and lease loss provision to assets | 0.0846% | 2,425 |
| Net operating income to assets | 1.0572% | 2,110 |
| Return on assets (ROA) | 1.0572% | 2,220 |
| Pretax return on assets | 1.5932% | 1,345 |
| Return on Equity (ROE) | 12.1155% | 1,338 |
| Retained earnings to average equity (ytd only) | 12.1155% | 381 |
| Net charge-offs to loans | 0.0235% | 3,199 |
| Credit loss provision to net charge-offs | 483.3333% | 645 |
| Earnings coverage of net charge-offs (x) | 95.8000% | 616 |
| Efficiency ratio | 59.2514% | 5,082 |
| Assets per employee ($millions) | 5.2177% | 2,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 3,767 |
| Loan loss allowance to noncurrent loans | 1,409.0498% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.0652% | 5,607 |
| Noncurrent loans to loans | 0.0854% | 5,399 |
| Net loans and leases to total assets | 75.3470% | 1,461 |
| Net loans and leases to deposits | 98.8775% | 725 |
| Net loans and leases to core deposits | 103.8899% | 1,198 |
| Total domestic deposits to total assets | 76.2024% | 5,576 |
| Equity capital to assets | 9.0924% | 5,152 |
| Core capital (leverage) ratio | 9.0096% | 4,956 |
| Tier 1 risk-based capital ratio | 10.9616% | 5,733 |
| Total risk-based capital ratio | 12.0794% | 5,724 |
| Memoranda: | ||
| Average total assets | $342,590,000 | 1,930 |
| Average earning assets | $330,030,000 | 1,863 |
| Average equity | $29,895,670 | 2,347 |
| Average total loans | $255,394,000 | 1,709 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6068% | 4,672 |
| Cost of funding earning assets | 0.2125% | 5,393 |
| Net interest margin | 3.3943% | 3,867 |
| Noninterest income to average assets | 0.7517% | 1,911 |
| Noninterest expense to average assets | 2.4188% | 4,542 |
| Loan and lease loss provision to assets | 0.0500% | 2,935 |
| Net operating income to assets | 1.0293% | 2,131 |
| Return on assets (ROA) | 1.0293% | 2,272 |
| Pretax return on assets | 1.5486% | 1,400 |
| Return on Equity (ROE) | 12.0442% | 1,337 |
| Retained earnings to average equity (ytd only) | 12.0442% | 566 |
| Net charge-offs to loans | 0.0489% | 2,300 |
| Credit loss provision to net charge-offs | 138.7097% | 1,314 |
| Earnings coverage of net charge-offs (x) | 44.3871% | 910 |
| Efficiency ratio | 60.2082% | 5,066 |
| Assets per employee ($millions) | 5.1087% | 2,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1908% | 4,033 |
| Loan loss allowance to noncurrent loans | 1,063.9576% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 5,608 |
| Noncurrent loans to loans | 0.1119% | 5,363 |
| Net loans and leases to total assets | 74.0994% | 1,484 |
| Net loans and leases to deposits | 93.0588% | 1,081 |
| Net loans and leases to core deposits | 96.0499% | 1,610 |
| Total domestic deposits to total assets | 79.6264% | 5,138 |
| Equity capital to assets | 8.9087% | 5,385 |
| Core capital (leverage) ratio | 8.6598% | 5,365 |
| Tier 1 risk-based capital ratio | 11.2018% | 5,712 |
| Total risk-based capital ratio | 12.3408% | 5,680 |
| Memoranda: | ||
| Average total assets | $344,309,000 | 1,933 |
| Average earning assets | $331,260,000 | 1,858 |
| Average equity | $29,425,000 | 2,395 |
| Average total loans | $253,763,500 | 1,712 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6749% | 4,866 |
| Cost of funding earning assets | 0.2783% | 5,018 |
| Net interest margin | 3.3966% | 4,213 |
| Noninterest income to average assets | 0.8568% | 1,655 |
| Noninterest expense to average assets | 2.5178% | 4,489 |
| Loan and lease loss provision to assets | 0.0680% | 3,124 |
| Net operating income to assets | 1.0144% | 2,319 |
| Return on assets (ROA) | 1.0144% | 2,396 |
| Pretax return on assets | 1.5264% | 1,451 |
| Return on Equity (ROE) | 11.9614% | 1,425 |
| Retained earnings to average equity (ytd only) | 3.9408% | 3,404 |
| Net charge-offs to loans | 0.0223% | 4,396 |
| Credit loss provision to net charge-offs | 416.6667% | 622 |
| Earnings coverage of net charge-offs (x) | 97.6296% | 537 |
| Efficiency ratio | 61.2267% | 5,037 |
| Assets per employee ($millions) | 5.4068% | 1,854 |
| Cash dividends to net income (ytd only)* | 67.0543% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1776% | 4,134 |
| Loan loss allowance to noncurrent loans | 1,114.8699% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.0765% | 5,726 |
| Noncurrent loans to loans | 0.1056% | 5,473 |
| Net loans and leases to total assets | 71.6112% | 1,972 |
| Net loans and leases to deposits | 94.9971% | 992 |
| Net loans and leases to core deposits | 98.2008% | 1,534 |
| Total domestic deposits to total assets | 75.3825% | 5,813 |
| Equity capital to assets | 8.1982% | 5,963 |
| Core capital (leverage) ratio | 8.2743% | 5,796 |
| Tier 1 risk-based capital ratio | 10.6799% | 6,030 |
| Total risk-based capital ratio | 11.7950% | 6,026 |
| Memoranda: | ||
| Average total assets | $330,652,200 | 1,964 |
| Average earning assets | $316,908,000 | 1,893 |
| Average equity | $28,040,200 | 2,411 |
| Average total loans | $241,947,600 | 1,746 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6709% | 4,937 |
| Cost of funding earning assets | 0.2917% | 4,974 |
| Net interest margin | 3.3792% | 4,319 |
| Noninterest income to average assets | 0.8927% | 1,545 |
| Noninterest expense to average assets | 2.5400% | 4,394 |
| Loan and lease loss provision to assets | 0.0102% | 4,217 |
| Net operating income to assets | 1.0533% | 2,222 |
| Return on assets (ROA) | 1.0533% | 2,285 |
| Pretax return on assets | 1.5834% | 1,378 |
| Return on Equity (ROE) | 12.3097% | 1,396 |
| Retained earnings to average equity (ytd only) | 1.5417% | 5,271 |
| Net charge-offs to loans | 0.0246% | 4,017 |
| Credit loss provision to net charge-offs | 56.8182% | 2,994 |
| Earnings coverage of net charge-offs (x) | 88.4019% | 645 |
| Efficiency ratio | 61.4470% | 4,973 |
| Assets per employee ($millions) | 5.2503% | 1,958 |
| Cash dividends to net income (ytd only)* | 87.4758% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1536% | 4,481 |
| Loan loss allowance to noncurrent loans | 1,146.5306% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.0718% | 5,872 |
| Noncurrent loans to loans | 0.1006% | 5,636 |
| Net loans and leases to total assets | 70.5259% | 2,105 |
| Net loans and leases to deposits | 88.2908% | 1,632 |
| Net loans and leases to core deposits | 91.6941% | 2,059 |
| Total domestic deposits to total assets | 79.8791% | 5,131 |
| Equity capital to assets | 8.2008% | 6,014 |
| Core capital (leverage) ratio | 8.2095% | 5,920 |
| Tier 1 risk-based capital ratio | 10.9257% | 6,029 |
| Total risk-based capital ratio | 12.0240% | 6,050 |
| Memoranda: | ||
| Average total assets | $325,455,000 | 2,007 |
| Average earning assets | $312,138,250 | 1,929 |
| Average equity | $27,847,250 | 2,431 |
| Average total loans | $238,767,000 | 1,771 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7101% | 4,827 |
| Cost of funding earning assets | 0.3053% | 4,919 |
| Net interest margin | 3.4048% | 4,154 |
| Noninterest income to average assets | 0.9313% | 1,387 |
| Noninterest expense to average assets | 2.5785% | 4,318 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0738% | 2,028 |
| Return on assets (ROA) | 1.0738% | 2,106 |
| Pretax return on assets | 1.6128% | 1,221 |
| Return on Equity (ROE) | 12.3666% | 1,339 |
| Retained earnings to average equity (ytd only) | -3.8129% | 6,162 |
| Net charge-offs to loans | 0.0202% | 3,809 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 107.5833% | 529 |
| Efficiency ratio | 61.5201% | 5,070 |
| Assets per employee ($millions) | 5.1197% | 2,066 |
| Cash dividends to net income (ytd only)* | 130.8319% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1987% | 4,430 |
| Loan loss allowance to noncurrent loans | 263.2864% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.3302% | 5,053 |
| Noncurrent loans to loans | 0.4553% | 4,628 |
| Net loans and leases to total assets | 71.6515% | 1,802 |
| Net loans and leases to deposits | 89.1245% | 1,463 |
| Net loans and leases to core deposits | 93.6900% | 1,802 |
| Total domestic deposits to total assets | 80.3949% | 5,155 |
| Equity capital to assets | 8.4562% | 5,835 |
| Core capital (leverage) ratio | 8.4857% | 5,645 |
| Tier 1 risk-based capital ratio | 10.9650% | 6,063 |
| Total risk-based capital ratio | 12.1000% | 6,058 |
| Memoranda: | ||
| Average total assets | $320,182,670 | 2,043 |
| Average earning assets | $306,571,330 | 1,970 |
| Average equity | $27,800,670 | 2,422 |
| Average total loans | $237,191,330 | 1,776 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6868% | 4,895 |
| Cost of funding earning assets | 0.3126% | 4,945 |
| Net interest margin | 3.3742% | 4,247 |
| Noninterest income to average assets | 0.8752% | 1,468 |
| Noninterest expense to average assets | 2.6131% | 4,228 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9994% | 2,215 |
| Return on assets (ROA) | 0.9994% | 2,269 |
| Pretax return on assets | 1.4972% | 1,434 |
| Return on Equity (ROE) | 11.3600% | 1,582 |
| Retained earnings to average equity (ytd only) | 11.3600% | 694 |
| Net charge-offs to loans | 0.0385% | 2,845 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 51.9130% | 735 |
| Efficiency ratio | 63.5754% | 4,927 |
| Assets per employee ($millions) | 4.8789% | 2,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1728% | 4,765 |
| Loan loss allowance to noncurrent loans | 595.5414% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.1485% | 5,799 |
| Noncurrent loans to loans | 0.1969% | 5,500 |
| Net loans and leases to total assets | 74.5350% | 1,183 |
| Net loans and leases to deposits | 97.0010% | 598 |
| Net loans and leases to core deposits | 100.4287% | 1,073 |
| Total domestic deposits to total assets | 76.8395% | 5,985 |
| Equity capital to assets | 8.9860% | 5,131 |
| Core capital (leverage) ratio | 9.0261% | 4,970 |
| Tier 1 risk-based capital ratio | 11.3864% | 5,971 |
| Total risk-based capital ratio | 12.5103% | 5,986 |
| Memoranda: | ||
| Average total assets | $319,002,500 | 2,047 |
| Average earning assets | $305,848,000 | 1,978 |
| Average equity | $28,063,500 | 2,401 |
| Average total loans | $238,831,500 | 1,768 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6594% | 5,250 |
| Cost of funding earning assets | 0.4038% | 4,605 |
| Net interest margin | 3.2556% | 4,820 |
| Noninterest income to average assets | 1.0803% | 1,216 |
| Noninterest expense to average assets | 2.6088% | 4,428 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0572% | 2,083 |
| Return on assets (ROA) | 1.0572% | 2,169 |
| Pretax return on assets | 1.5849% | 1,206 |
| Return on Equity (ROE) | 12.3777% | 1,313 |
| Retained earnings to average equity (ytd only) | 7.1260% | 1,389 |
| Net charge-offs to loans | 0.0175% | 5,099 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 123.7500% | 381 |
| Efficiency ratio | 62.2080% | 5,178 |
| Assets per employee ($millions) | 4.8618% | 2,361 |
| Cash dividends to net income (ytd only)* | 42.4288% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1858% | 4,731 |
| Loan loss allowance to noncurrent loans | 636.9369% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.1384% | 5,906 |
| Noncurrent loans to loans | 0.1862% | 5,641 |
| Net loans and leases to total assets | 73.4420% | 1,447 |
| Net loans and leases to deposits | 96.2149% | 714 |
| Net loans and leases to core deposits | 99.5219% | 1,195 |
| Total domestic deposits to total assets | 76.3313% | 6,064 |
| Equity capital to assets | 8.6107% | 5,469 |
| Core capital (leverage) ratio | 8.7265% | 5,384 |
| Tier 1 risk-based capital ratio | 11.0396% | 6,153 |
| Total risk-based capital ratio | 12.1699% | 6,157 |
| Memoranda: | ||
| Average total assets | $312,324,200 | 2,065 |
| Average earning assets | $298,686,800 | 1,993 |
| Average equity | $26,677,000 | 2,487 |
| Average total loans | $229,009,000 | 1,791 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6525% | 5,296 |
| Cost of funding earning assets | 0.4212% | 4,597 |
| Net interest margin | 3.2314% | 4,894 |
| Noninterest income to average assets | 1.1210% | 1,166 |
| Noninterest expense to average assets | 2.5984% | 4,392 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0759% | 2,096 |
| Return on assets (ROA) | 1.0759% | 2,176 |
| Pretax return on assets | 1.6128% | 1,313 |
| Return on Equity (ROE) | 12.6226% | 1,332 |
| Retained earnings to average equity (ytd only) | 5.5574% | 2,688 |
| Net charge-offs to loans | -0.0071% | 5,828 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7026% | 5,180 |
| Assets per employee ($millions) | 5.1475% | 1,994 |
| Cash dividends to net income (ytd only)* | 55.9727% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2814% | 4,492 |
| Loan loss allowance to noncurrent loans | 493.1507% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.1801% | 5,899 |
| Noncurrent loans to loans | 0.2598% | 5,580 |
| Net loans and leases to total assets | 68.4156% | 2,238 |
| Net loans and leases to deposits | 84.7772% | 1,767 |
| Net loans and leases to core deposits | 89.4409% | 2,027 |
| Total domestic deposits to total assets | 80.7005% | 5,301 |
| Equity capital to assets | 8.3045% | 5,911 |
| Core capital (leverage) ratio | 8.7126% | 5,521 |
| Tier 1 risk-based capital ratio | 11.2557% | 6,170 |
| Total risk-based capital ratio | 12.4643% | 6,151 |
| Memoranda: | ||
| Average total assets | $310,185,500 | 2,087 |
| Average earning assets | $296,627,000 | 2,003 |
| Average equity | $26,438,750 | 2,537 |
| Average total loans | $226,639,250 | 1,811 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6936% | 5,160 |
| Cost of funding earning assets | 0.4392% | 4,554 |
| Net interest margin | 3.2544% | 4,756 |
| Noninterest income to average assets | 1.1071% | 1,239 |
| Noninterest expense to average assets | 2.6254% | 4,297 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0626% | 2,068 |
| Return on assets (ROA) | 1.0626% | 2,184 |
| Pretax return on assets | 1.5916% | 1,393 |
| Return on Equity (ROE) | 12.3541% | 1,388 |
| Retained earnings to average equity (ytd only) | 1.6898% | 5,170 |
| Net charge-offs to loans | -0.0053% | 5,645 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2574% | 5,135 |
| Assets per employee ($millions) | 5.1170% | 1,974 |
| Cash dividends to net income (ytd only)* | 86.3216% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2635% | 4,676 |
| Loan loss allowance to noncurrent loans | 653.1818% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.1457% | 6,058 |
| Noncurrent loans to loans | 0.1934% | 5,827 |
| Net loans and leases to total assets | 74.3889% | 1,196 |
| Net loans and leases to deposits | 92.2661% | 937 |
| Net loans and leases to core deposits | 97.5981% | 1,244 |
| Total domestic deposits to total assets | 80.6243% | 5,445 |
| Equity capital to assets | 8.6044% | 5,664 |
| Core capital (leverage) ratio | 8.4231% | 5,749 |
| Tier 1 risk-based capital ratio | 10.9770% | 6,342 |
| Total risk-based capital ratio | 12.1932% | 6,330 |
| Memoranda: | ||
| Average total assets | $305,483,000 | 2,124 |
| Average earning assets | $291,910,670 | 2,039 |
| Average equity | $26,274,670 | 2,562 |
| Average total loans | $227,270,000 | 1,808 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7009% | 5,161 |
| Cost of funding earning assets | 0.4438% | 4,667 |
| Net interest margin | 3.2571% | 4,700 |
| Noninterest income to average assets | 1.0753% | 1,282 |
| Noninterest expense to average assets | 2.6101% | 4,372 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0492% | 2,039 |
| Return on assets (ROA) | 1.0492% | 2,148 |
| Pretax return on assets | 1.5699% | 1,378 |
| Return on Equity (ROE) | 12.2013% | 1,365 |
| Retained earnings to average equity (ytd only) | 12.2013% | 668 |
| Net charge-offs to loans | -0.0158% | 5,619 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4416% | 5,246 |
| Assets per employee ($millions) | 5.0968% | 2,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2947% | 4,729 |
| Loan loss allowance to noncurrent loans | 686.6348% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.1393% | 6,155 |
| Noncurrent loans to loans | 0.1886% | 5,931 |
| Net loans and leases to total assets | 72.9404% | 1,212 |
| Net loans and leases to deposits | 90.3630% | 936 |
| Net loans and leases to core deposits | 95.9434% | 1,204 |
| Total domestic deposits to total assets | 80.7193% | 5,567 |
| Equity capital to assets | 8.9196% | 5,589 |
| Core capital (leverage) ratio | 8.7507% | 5,258 |
| Tier 1 risk-based capital ratio | 11.5404% | 6,166 |
| Total risk-based capital ratio | 12.7904% | 6,131 |
| Memoranda: | ||
| Average total assets | $307,272,500 | 2,137 |
| Average earning assets | $292,900,000 | 2,060 |
| Average equity | $26,423,500 | 2,571 |
| Average total loans | $227,176,500 | 1,820 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0378% | 5,199 |
| Cost of funding earning assets | 0.5677% | 4,664 |
| Net interest margin | 3.4702% | 4,629 |
| Noninterest income to average assets | 1.1101% | 1,255 |
| Noninterest expense to average assets | 2.6403% | 4,599 |
| Loan and lease loss provision to assets | 0.0215% | 5,629 |
| Net operating income to assets | 1.1548% | 1,758 |
| Return on assets (ROA) | 1.1548% | 1,917 |
| Pretax return on assets | 1.7240% | 1,081 |
| Return on Equity (ROE) | 13.7068% | 1,052 |
| Retained earnings to average equity (ytd only) | 4.7912% | 2,855 |
| Net charge-offs to loans | 0.0319% | 5,468 |
| Credit loss provision to net charge-offs | 91.4286% | 3,416 |
| Earnings coverage of net charge-offs (x) | 74.1286% | 502 |
| Efficiency ratio | 60.2010% | 5,509 |
| Assets per employee ($millions) | 5.3192% | 1,875 |
| Cash dividends to net income (ytd only)* | 65.0452% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 4,956 |
| Loan loss allowance to noncurrent loans | 681.2352% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.1341% | 6,228 |
| Noncurrent loans to loans | 0.1814% | 6,019 |
| Net loans and leases to total assets | 73.0540% | 1,327 |
| Net loans and leases to deposits | 94.9676% | 683 |
| Net loans and leases to core deposits | 101.4357% | 924 |
| Total domestic deposits to total assets | 76.9251% | 6,238 |
| Equity capital to assets | 8.2926% | 6,207 |
| Core capital (leverage) ratio | 8.4996% | 5,610 |
| Tier 1 risk-based capital ratio | 10.7559% | 6,448 |
| Total risk-based capital ratio | 11.9553% | 6,435 |
| Memoranda: | ||
| Average total assets | $297,272,800 | 2,155 |
| Average earning assets | $280,620,200 | 2,097 |
| Average equity | $25,046,000 | 2,653 |
| Average total loans | $219,421,800 | 1,844 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1353% | 5,058 |
| Cost of funding earning assets | 0.5939% | 4,710 |
| Net interest margin | 3.5414% | 4,486 |
| Noninterest income to average assets | 1.0894% | 1,269 |
| Noninterest expense to average assets | 2.6381% | 4,608 |
| Loan and lease loss provision to assets | 0.0018% | 5,780 |
| Net operating income to assets | 1.2022% | 1,727 |
| Return on assets (ROA) | 1.2022% | 1,898 |
| Pretax return on assets | 1.7907% | 1,070 |
| Return on Equity (ROE) | 14.2086% | 1,068 |
| Retained earnings to average equity (ytd only) | 2.2041% | 5,235 |
| Net charge-offs to loans | 0.0179% | 5,425 |
| Credit loss provision to net charge-offs | 13.7931% | 5,033 |
| Earnings coverage of net charge-offs (x) | 135.8816% | 327 |
| Efficiency ratio | 59.5421% | 5,571 |
| Assets per employee ($millions) | 4.6763% | 2,633 |
| Cash dividends to net income (ytd only)* | 84.4874% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2889% | 4,862 |
| Loan loss allowance to noncurrent loans | 539.5833% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.1764% | 6,262 |
| Noncurrent loans to loans | 0.2389% | 6,009 |
| Net loans and leases to total assets | 72.9052% | 1,409 |
| Net loans and leases to deposits | 91.1374% | 1,038 |
| Net loans and leases to core deposits | 99.3511% | 1,168 |
| Total domestic deposits to total assets | 79.9948% | 5,655 |
| Equity capital to assets | 8.4502% | 6,306 |
| Core capital (leverage) ratio | 8.4018% | 5,895 |
| Tier 1 risk-based capital ratio | 10.9036% | 6,517 |
| Total risk-based capital ratio | 12.1498% | 6,502 |
| Memoranda: | ||
| Average total assets | $293,132,250 | 2,207 |
| Average earning assets | $276,570,500 | 2,146 |
| Average equity | $24,801,250 | 2,704 |
| Average total loans | $216,243,000 | 1,883 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1815% | 5,020 |
| Cost of funding earning assets | 0.6162% | 4,752 |
| Net interest margin | 3.5653% | 4,397 |
| Noninterest income to average assets | 1.0471% | 1,323 |
| Noninterest expense to average assets | 2.6570% | 4,581 |
| Loan and lease loss provision to assets | 0.0027% | 5,609 |
| Net operating income to assets | 1.1667% | 1,825 |
| Return on assets (ROA) | 1.1667% | 2,027 |
| Pretax return on assets | 1.7349% | 1,171 |
| Return on Equity (ROE) | 13.7834% | 1,173 |
| Retained earnings to average equity (ytd only) | -4.3428% | 6,576 |
| Net charge-offs to loans | 0.0037% | 5,459 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 632.2500% | 55 |
| Efficiency ratio | 60.4597% | 5,506 |
| Assets per employee ($millions) | 4.5587% | 2,793 |
| Cash dividends to net income (ytd only)* | 131.5077% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3371% | 4,715 |
| Loan loss allowance to noncurrent loans | 1,076.4045% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.1268% | 6,474 |
| Noncurrent loans to loans | 0.1242% | 6,354 |
| Net loans and leases to total assets | 72.6900% | 1,447 |
| Net loans and leases to deposits | 91.4803% | 1,004 |
| Net loans and leases to core deposits | 101.5529% | 1,003 |
| Total domestic deposits to total assets | 79.4598% | 5,868 |
| Equity capital to assets | 8.3553% | 6,333 |
| Core capital (leverage) ratio | 8.0114% | 6,263 |
| Tier 1 risk-based capital ratio | 10.8490% | 6,560 |
| Total risk-based capital ratio | 12.0998% | 6,542 |
| Memoranda: | ||
| Average total assets | $291,082,330 | 2,220 |
| Average earning assets | $273,300,000 | 2,168 |
| Average equity | $24,638,330 | 2,705 |
| Average total loans | $214,643,670 | 1,908 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2565% | 4,903 |
| Cost of funding earning assets | 0.6339% | 4,858 |
| Net interest margin | 3.6226% | 4,166 |
| Noninterest income to average assets | 0.9507% | 1,566 |
| Noninterest expense to average assets | 2.6607% | 4,581 |
| Loan and lease loss provision to assets | 0.0055% | 5,206 |
| Net operating income to assets | 1.1102% | 2,037 |
| Return on assets (ROA) | 1.1102% | 2,219 |
| Pretax return on assets | 1.6495% | 1,434 |
| Return on Equity (ROE) | 13.0324% | 1,396 |
| Retained earnings to average equity (ytd only) | -8.3330% | 6,776 |
| Net charge-offs to loans | -0.0205% | 6,190 |
| Credit loss provision to net charge-offs | -36.3636% | 5,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6513% | 5,345 |
| Assets per employee ($millions) | 4.7004% | 2,659 |
| Cash dividends to net income (ytd only)* | 163.9405% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3902% | 4,656 |
| Loan loss allowance to noncurrent loans | 830.1724% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.1548% | 6,500 |
| Noncurrent loans to loans | 0.1675% | 6,344 |
| Net loans and leases to total assets | 70.3197% | 1,705 |
| Net loans and leases to deposits | 89.1708% | 1,048 |
| Net loans and leases to core deposits | 96.7874% | 1,229 |
| Total domestic deposits to total assets | 78.8595% | 6,106 |
| Equity capital to assets | 8.4143% | 6,162 |
| Core capital (leverage) ratio | 8.2850% | 5,900 |
| Tier 1 risk-based capital ratio | 11.1982% | 6,448 |
| Total risk-based capital ratio | 12.4494% | 6,432 |
| Memoranda: | ||
| Average total assets | $290,746,500 | 2,235 |
| Average earning assets | $270,083,500 | 2,200 |
| Average equity | $24,769,000 | 2,685 |
| Average total loans | $214,490,500 | 1,908 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4792% | 5,156 |
| Cost of funding earning assets | 0.7827% | 4,987 |
| Net interest margin | 3.6965% | 4,311 |
| Noninterest income to average assets | 0.9793% | 1,426 |
| Noninterest expense to average assets | 2.6383% | 4,968 |
| Loan and lease loss provision to assets | 0.1922% | 4,259 |
| Net operating income to assets | 1.0951% | 1,853 |
| Return on assets (ROA) | 1.1437% | 1,799 |
| Pretax return on assets | 1.7005% | 992 |
| Return on Equity (ROE) | 13.1775% | 1,128 |
| Retained earnings to average equity (ytd only) | 3.9383% | 3,399 |
| Net charge-offs to loans | 0.0742% | 5,580 |
| Credit loss provision to net charge-offs | 354.5455% | 651 |
| Earnings coverage of net charge-offs (x) | 33.5779% | 770 |
| Efficiency ratio | 59.1742% | 5,873 |
| Assets per employee ($millions) | 4.6786% | 2,637 |
| Cash dividends to net income (ytd only)* | 70.1139% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2995% | 4,906 |
| Loan loss allowance to noncurrent loans | 1,785.0932% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0910% | 6,723 |
| Noncurrent loans to loans | 0.0728% | 6,636 |
| Net loans and leases to total assets | 75.2543% | 1,056 |
| Net loans and leases to deposits | 97.8024% | 570 |
| Net loans and leases to core deposits | 105.1528% | 833 |
| Total domestic deposits to total assets | 76.9453% | 6,351 |
| Equity capital to assets | 8.6244% | 5,985 |
| Core capital (leverage) ratio | 8.5731% | 5,437 |
| Tier 1 risk-based capital ratio | 10.7050% | 6,601 |
| Total risk-based capital ratio | 11.9550% | 6,573 |
| Memoranda: | ||
| Average total assets | $284,087,600 | 2,238 |
| Average earning assets | $267,391,400 | 2,187 |
| Average equity | $24,655,600 | 2,609 |
| Average total loans | $207,583,600 | 1,976 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5074% | 5,235 |
| Cost of funding earning assets | 0.8192% | 5,016 |
| Net interest margin | 3.6881% | 4,392 |
| Noninterest income to average assets | 0.9474% | 1,492 |
| Noninterest expense to average assets | 2.5582% | 5,241 |
| Loan and lease loss provision to assets | 0.1033% | 5,151 |
| Net operating income to assets | 1.1857% | 1,692 |
| Return on assets (ROA) | 1.2508% | 1,617 |
| Pretax return on assets | 1.8537% | 855 |
| Return on Equity (ROE) | 14.3885% | 962 |
| Retained earnings to average equity (ytd only) | 9.9162% | 865 |
| Net charge-offs to loans | 0.0549% | 5,421 |
| Credit loss provision to net charge-offs | 260.7143% | 1,094 |
| Earnings coverage of net charge-offs (x) | 46.9274% | 682 |
| Efficiency ratio | 57.9026% | 6,023 |
| Assets per employee ($millions) | 4.7330% | 2,581 |
| Cash dividends to net income (ytd only)* | 31.0826% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2278% | 5,353 |
| Loan loss allowance to noncurrent loans | 955.1095% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.0965% | 6,817 |
| Noncurrent loans to loans | 0.1286% | 6,614 |
| Net loans and leases to total assets | 74.1346% | 1,311 |
| Net loans and leases to deposits | 95.0555% | 755 |
| Net loans and leases to core deposits | 100.6810% | 1,189 |
| Total domestic deposits to total assets | 77.9909% | 6,197 |
| Equity capital to assets | 9.1133% | 5,626 |
| Core capital (leverage) ratio | 9.0158% | 4,902 |
| Tier 1 risk-based capital ratio | 11.3394% | 6,333 |
| Total risk-based capital ratio | 12.5089% | 6,374 |
| Memoranda: | ||
| Average total assets | $282,591,750 | 2,253 |
| Average earning assets | $265,928,500 | 2,205 |
| Average equity | $24,565,250 | 2,625 |
| Average total loans | $204,188,250 | 2,026 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5388% | 5,225 |
| Cost of funding earning assets | 0.8606% | 4,980 |
| Net interest margin | 3.6782% | 4,365 |
| Noninterest income to average assets | 0.8627% | 1,763 |
| Noninterest expense to average assets | 2.5251% | 5,441 |
| Loan and lease loss provision to assets | 0.1106% | 4,916 |
| Net operating income to assets | 1.1392% | 1,761 |
| Return on assets (ROA) | 1.2370% | 1,546 |
| Pretax return on assets | 1.8332% | 821 |
| Return on Equity (ROE) | 14.4651% | 893 |
| Retained earnings to average equity (ytd only) | 7.6346% | 1,605 |
| Net charge-offs to loans | 0.0338% | 5,379 |
| Credit loss provision to net charge-offs | 458.8235% | 666 |
| Earnings coverage of net charge-offs (x) | 74.5882% | 459 |
| Efficiency ratio | 58.4126% | 6,107 |
| Assets per employee ($millions) | 4.5205% | 2,801 |
| Cash dividends to net income (ytd only)* | 47.2206% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3013% | 5,055 |
| Loan loss allowance to noncurrent loans | 808.6957% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.1131% | 6,814 |
| Noncurrent loans to loans | 0.1609% | 6,580 |
| Net loans and leases to total assets | 69.3493% | 2,351 |
| Net loans and leases to deposits | 87.7982% | 1,530 |
| Net loans and leases to core deposits | 94.0813% | 1,884 |
| Total domestic deposits to total assets | 78.9872% | 6,091 |
| Equity capital to assets | 8.7787% | 5,843 |
| Core capital (leverage) ratio | 8.5131% | 5,533 |
| Tier 1 risk-based capital ratio | 11.3867% | 6,260 |
| Total risk-based capital ratio | 12.5984% | 6,276 |
| Memoranda: | ||
| Average total assets | $282,128,330 | 2,271 |
| Average earning assets | $265,403,000 | 2,217 |
| Average equity | $24,127,000 | 2,647 |
| Average total loans | $201,202,330 | 2,073 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5164% | 5,280 |
| Cost of funding earning assets | 0.8823% | 5,049 |
| Net interest margin | 3.6341% | 4,403 |
| Noninterest income to average assets | 0.8690% | 1,777 |
| Noninterest expense to average assets | 2.5314% | 5,444 |
| Loan and lease loss provision to assets | 0.0897% | 4,894 |
| Net operating income to assets | 1.1467% | 1,677 |
| Return on assets (ROA) | 1.1467% | 1,726 |
| Pretax return on assets | 1.6980% | 987 |
| Return on Equity (ROE) | 13.5922% | 1,066 |
| Retained earnings to average equity (ytd only) | -0.3208% | 5,849 |
| Net charge-offs to loans | 0.0476% | 4,465 |
| Credit loss provision to net charge-offs | 262.5000% | 1,194 |
| Earnings coverage of net charge-offs (x) | 52.2917% | 557 |
| Efficiency ratio | 58.6082% | 6,189 |
| Assets per employee ($millions) | 4.7418% | 2,507 |
| Cash dividends to net income (ytd only)* | 102.3602% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2550% | 5,361 |
| Loan loss allowance to noncurrent loans | 372.3781% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.2420% | 6,570 |
| Noncurrent loans to loans | 0.3370% | 6,319 |
| Net loans and leases to total assets | 70.9016% | 1,950 |
| Net loans and leases to deposits | 92.1798% | 1,001 |
| Net loans and leases to core deposits | 97.8203% | 1,540 |
| Total domestic deposits to total assets | 76.9167% | 6,548 |
| Equity capital to assets | 8.4474% | 5,982 |
| Core capital (leverage) ratio | 8.3363% | 5,738 |
| Tier 1 risk-based capital ratio | 10.9007% | 6,571 |
| Total risk-based capital ratio | 12.0686% | 6,607 |
| Memoranda: | ||
| Average total assets | $280,796,000 | 2,297 |
| Average earning assets | $266,582,500 | 2,222 |
| Average equity | $23,690,000 | 2,674 |
| Average total loans | $201,750,500 | 2,091 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6704% | 5,897 |
| Cost of funding earning assets | 1.2647% | 4,108 |
| Net interest margin | 3.4058% | 5,610 |
| Noninterest income to average assets | 0.7632% | 2,472 |
| Noninterest expense to average assets | 2.3949% | 6,097 |
| Loan and lease loss provision to assets | 0.1266% | 5,897 |
| Net operating income to assets | 0.9947% | 2,058 |
| Return on assets (ROA) | 0.9947% | 2,164 |
| Pretax return on assets | 1.4550% | 1,499 |
| Return on Equity (ROE) | 12.1235% | 1,294 |
| Retained earnings to average equity (ytd only) | 1.5607% | 4,750 |
| Net charge-offs to loans | 0.3311% | 4,352 |
| Credit loss provision to net charge-offs | 53.7178% | 6,199 |
| Earnings coverage of net charge-offs (x) | 6.7102% | 2,298 |
| Efficiency ratio | 60.2267% | 6,011 |
| Assets per employee ($millions) | 4.7767% | 2,449 |
| Cash dividends to net income (ytd only)* | 87.1269% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2249% | 5,392 |
| Loan loss allowance to noncurrent loans | 161.2736% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.5461% | 5,939 |
| Noncurrent loans to loans | 0.7595% | 5,526 |
| Net loans and leases to total assets | 71.0152% | 2,300 |
| Net loans and leases to deposits | 91.1102% | 1,381 |
| Net loans and leases to core deposits | 99.0885% | 1,695 |
| Total domestic deposits to total assets | 77.9443% | 6,325 |
| Equity capital to assets | 8.4261% | 5,955 |
| Core capital (leverage) ratio | 8.3616% | 5,595 |
| Tier 1 risk-based capital ratio | 10.8654% | 6,436 |
| Total risk-based capital ratio | 12.0107% | 6,492 |
| Memoranda: | ||
| Average total assets | $279,594,400 | 2,283 |
| Average earning assets | $263,788,200 | 2,223 |
| Average equity | $22,939,000 | 2,772 |
| Average total loans | $199,042,400 | 2,164 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6892% | 6,068 |
| Cost of funding earning assets | 1.3194% | 4,117 |
| Net interest margin | 3.3698% | 5,780 |
| Noninterest income to average assets | 0.7024% | 2,803 |
| Noninterest expense to average assets | 2.3557% | 6,164 |
| Loan and lease loss provision to assets | 0.1261% | 5,762 |
| Net operating income to assets | 0.9590% | 2,375 |
| Return on assets (ROA) | 0.9590% | 2,504 |
| Pretax return on assets | 1.3986% | 1,880 |
| Return on Equity (ROE) | 11.7691% | 1,565 |
| Retained earnings to average equity (ytd only) | -2.4394% | 6,273 |
| Net charge-offs to loans | 0.4212% | 3,605 |
| Credit loss provision to net charge-offs | 42.1725% | 5,991 |
| Earnings coverage of net charge-offs (x) | 5.0974% | 2,853 |
| Efficiency ratio | 60.7068% | 5,837 |
| Assets per employee ($millions) | 4.7801% | 2,475 |
| Cash dividends to net income (ytd only)* | 120.7277% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2393% | 5,290 |
| Loan loss allowance to noncurrent loans | 275.5682% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.3120% | 6,601 |
| Noncurrent loans to loans | 0.4497% | 6,290 |
| Net loans and leases to total assets | 68.5228% | 3,091 |
| Net loans and leases to deposits | 84.7878% | 2,554 |
| Net loans and leases to core deposits | 95.0332% | 2,385 |
| Total domestic deposits to total assets | 80.8168% | 5,446 |
| Equity capital to assets | 8.2266% | 6,580 |
| Core capital (leverage) ratio | 8.0574% | 6,265 |
| Tier 1 risk-based capital ratio | 10.7375% | 6,605 |
| Total risk-based capital ratio | 11.8809% | 6,673 |
| Memoranda: | ||
| Average total assets | $279,036,250 | 2,321 |
| Average earning assets | $263,152,250 | 2,266 |
| Average equity | $22,737,000 | 2,840 |
| Average total loans | $198,147,500 | 2,204 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7308% | 6,040 |
| Cost of funding earning assets | 1.3567% | 4,148 |
| Net interest margin | 3.3741% | 5,744 |
| Noninterest income to average assets | 0.6510% | 3,007 |
| Noninterest expense to average assets | 2.3673% | 6,157 |
| Loan and lease loss provision to assets | 0.1252% | 5,635 |
| Net operating income to assets | 0.9200% | 2,472 |
| Return on assets (ROA) | 0.9200% | 2,575 |
| Pretax return on assets | 1.3358% | 1,990 |
| Return on Equity (ROE) | 11.3274% | 1,640 |
| Retained earnings to average equity (ytd only) | -10.1318% | 6,922 |
| Net charge-offs to loans | 0.6564% | 2,579 |
| Credit loss provision to net charge-offs | 26.6462% | 5,783 |
| Earnings coverage of net charge-offs (x) | 3.1103% | 3,449 |
| Efficiency ratio | 61.8377% | 5,717 |
| Assets per employee ($millions) | 4.7423% | 2,520 |
| Cash dividends to net income (ytd only)* | 189.4449% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2029% | 5,445 |
| Loan loss allowance to noncurrent loans | 642.8969% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.1283% | 7,072 |
| Noncurrent loans to loans | 0.1871% | 6,878 |
| Net loans and leases to total assets | 67.7515% | 3,440 |
| Net loans and leases to deposits | 85.5541% | 2,586 |
| Net loans and leases to core deposits | 93.9189% | 2,729 |
| Total domestic deposits to total assets | 79.1914% | 5,982 |
| Equity capital to assets | 7.9130% | 6,839 |
| Core capital (leverage) ratio | 7.6359% | 6,692 |
| Tier 1 risk-based capital ratio | 10.5982% | 6,610 |
| Total risk-based capital ratio | 11.7078% | 6,700 |
| Memoranda: | ||
| Average total assets | $278,040,670 | 2,345 |
| Average earning assets | $261,818,670 | 2,288 |
| Average equity | $22,582,330 | 2,848 |
| Average total loans | $198,971,670 | 2,225 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7344% | 6,130 |
| Cost of funding earning assets | 1.3807% | 4,303 |
| Net interest margin | 3.3537% | 5,771 |
| Noninterest income to average assets | 0.5888% | 3,347 |
| Noninterest expense to average assets | 2.4072% | 6,055 |
| Loan and lease loss provision to assets | 0.1212% | 5,367 |
| Net operating income to assets | 0.8255% | 2,862 |
| Return on assets (ROA) | 0.8255% | 2,955 |
| Pretax return on assets | 1.1906% | 2,391 |
| Return on Equity (ROE) | 10.0335% | 2,088 |
| Retained earnings to average equity (ytd only) | -13.7698% | 7,161 |
| Net charge-offs to loans | 0.5748% | 2,367 |
| Credit loss provision to net charge-offs | 28.8660% | 4,832 |
| Earnings coverage of net charge-offs (x) | 3.1237% | 3,012 |
| Efficiency ratio | 64.7264% | 5,349 |
| Assets per employee ($millions) | 4.8039% | 2,505 |
| Cash dividends to net income (ytd only)* | 237.2378% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3459% | 4,700 |
| Loan loss allowance to noncurrent loans | 75.2845% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 1.2371% | 4,702 |
| Noncurrent loans to loans | 1.7878% | 4,065 |
| Net loans and leases to total assets | 67.8732% | 3,418 |
| Net loans and leases to deposits | 85.1703% | 2,734 |
| Net loans and leases to core deposits | 94.1939% | 2,819 |
| Total domestic deposits to total assets | 79.6911% | 5,887 |
| Equity capital to assets | 8.0240% | 6,628 |
| Core capital (leverage) ratio | 8.0594% | 6,147 |
| Tier 1 risk-based capital ratio | 10.6524% | 6,492 |
| Total risk-based capital ratio | 11.8791% | 6,499 |
| Memoranda: | ||
| Average total assets | $277,164,500 | 2,413 |
| Average earning assets | $258,700,500 | 2,361 |
| Average equity | $22,803,500 | 2,836 |
| Average total loans | $202,521,500 | 2,247 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1105% | 1,485 |
| Cost of funding earning assets | 1.7347% | 4,338 |
| Net interest margin | 4.3759% | 1,500 |
| Noninterest income to average assets | 0.5877% | 3,734 |
| Noninterest expense to average assets | 2.2528% | 6,866 |
| Loan and lease loss provision to assets | 0.9683% | 2,331 |
| Net operating income to assets | 1.0135% | 1,792 |
| Return on assets (ROA) | 1.0135% | 1,844 |
| Pretax return on assets | 1.4843% | 1,224 |
| Return on Equity (ROE) | 11.8447% | 1,199 |
| Retained earnings to average equity (ytd only) | -2.1922% | 5,557 |
| Net charge-offs to loans | 0.9928% | 2,425 |
| Credit loss provision to net charge-offs | 121.4765% | 4,378 |
| Earnings coverage of net charge-offs (x) | 3.0770% | 3,528 |
| Efficiency ratio | 47.8778% | 7,636 |
| Assets per employee ($millions) | 4.7535% | 2,539 |
| Cash dividends to net income (ytd only)* | 118.5081% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3063% | 4,718 |
| Loan loss allowance to noncurrent loans | 159.8050% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.6398% | 5,856 |
| Noncurrent loans to loans | 0.8174% | 5,653 |
| Net loans and leases to total assets | 76.3734% | 1,719 |
| Net loans and leases to deposits | 97.9212% | 1,109 |
| Net loans and leases to core deposits | 114.4401% | 2,465 |
| Total domestic deposits to total assets | 77.9947% | 6,219 |
| Equity capital to assets | 8.4330% | 6,004 |
| Core capital (leverage) ratio | 8.4005% | 5,435 |
| Tier 1 risk-based capital ratio | 10.1947% | 6,690 |
| Total risk-based capital ratio | 11.4199% | 6,682 |
| Memoranda: | ||
| Average total assets | $280,401,600 | 2,345 |
| Average earning assets | $263,856,800 | 2,292 |
| Average equity | $23,993,800 | 2,728 |
| Average total loans | $225,126,800 | 2,059 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0754% | 1,741 |
| Cost of funding earning assets | 1.8196% | 4,293 |
| Net interest margin | 4.2558% | 1,853 |
| Noninterest income to average assets | 0.5786% | 3,864 |
| Noninterest expense to average assets | 2.2426% | 6,862 |
| Loan and lease loss provision to assets | 0.7671% | 2,452 |
| Net operating income to assets | 1.0744% | 1,815 |
| Return on assets (ROA) | 1.0744% | 1,868 |
| Pretax return on assets | 1.5758% | 1,230 |
| Return on Equity (ROE) | 12.5115% | 1,235 |
| Retained earnings to average equity (ytd only) | 1.9575% | 4,233 |
| Net charge-offs to loans | 0.8915% | 2,181 |
| Credit loss provision to net charge-offs | 106.2295% | 4,792 |
| Earnings coverage of net charge-offs (x) | 3.2446% | 3,617 |
| Efficiency ratio | 48.9054% | 7,626 |
| Assets per employee ($millions) | 4.8147% | 2,378 |
| Cash dividends to net income (ytd only)* | 84.3544% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0835% | 5,823 |
| Loan loss allowance to noncurrent loans | 180.0600% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.4777% | 6,272 |
| Noncurrent loans to loans | 0.6017% | 6,101 |
| Net loans and leases to total assets | 78.5301% | 1,479 |
| Net loans and leases to deposits | 100.6989% | 1,048 |
| Net loans and leases to core deposits | 116.0081% | 2,622 |
| Total domestic deposits to total assets | 77.9850% | 6,096 |
| Equity capital to assets | 8.6564% | 6,022 |
| Core capital (leverage) ratio | 8.5755% | 5,338 |
| Tier 1 risk-based capital ratio | 10.2934% | 6,688 |
| Total risk-based capital ratio | 11.3205% | 6,856 |
| Memoranda: | ||
| Average total assets | $281,576,500 | 2,349 |
| Average earning assets | $265,106,750 | 2,293 |
| Average equity | $24,179,750 | 2,721 |
| Average total loans | $228,071,000 | 2,066 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0152% | 2,128 |
| Cost of funding earning assets | 1.9075% | 4,221 |
| Net interest margin | 4.1077% | 2,297 |
| Noninterest income to average assets | 0.5653% | 3,928 |
| Noninterest expense to average assets | 2.2256% | 6,986 |
| Loan and lease loss provision to assets | 0.6850% | 2,375 |
| Net operating income to assets | 1.0306% | 2,004 |
| Return on assets (ROA) | 1.0306% | 2,082 |
| Pretax return on assets | 1.5123% | 1,409 |
| Return on Equity (ROE) | 12.0337% | 1,402 |
| Retained earnings to average equity (ytd only) | 2.6135% | 3,873 |
| Net charge-offs to loans | 0.7602% | 2,156 |
| Credit loss provision to net charge-offs | 110.5143% | 4,190 |
| Earnings coverage of net charge-offs (x) | 3.5451% | 3,398 |
| Efficiency ratio | 50.3203% | 7,647 |
| Assets per employee ($millions) | 4.6363% | 2,546 |
| Cash dividends to net income (ytd only)* | 78.2818% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0547% | 5,878 |
| Loan loss allowance to noncurrent loans | 158.5592% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.5439% | 6,070 |
| Noncurrent loans to loans | 0.6651% | 5,925 |
| Net loans and leases to total assets | 80.9091% | 1,157 |
| Net loans and leases to deposits | 101.0125% | 1,171 |
| Net loans and leases to core deposits | 118.9042% | 2,464 |
| Total domestic deposits to total assets | 80.0981% | 5,438 |
| Equity capital to assets | 8.6708% | 5,794 |
| Core capital (leverage) ratio | 8.3481% | 5,716 |
| Tier 1 risk-based capital ratio | 10.1251% | 6,803 |
| Total risk-based capital ratio | 11.1358% | 6,983 |
| Memoranda: | ||
| Average total assets | $282,351,670 | 2,360 |
| Average earning assets | $265,161,670 | 2,307 |
| Average equity | $24,182,000 | 2,732 |
| Average total loans | $230,195,330 | 2,083 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9305% | 2,648 |
| Cost of funding earning assets | 1.9688% | 4,293 |
| Net interest margin | 3.9617% | 2,807 |
| Noninterest income to average assets | 0.5709% | 3,750 |
| Noninterest expense to average assets | 2.0335% | 7,273 |
| Loan and lease loss provision to assets | 0.5288% | 2,355 |
| Net operating income to assets | 1.1616% | 1,766 |
| Return on assets (ROA) | 1.1616% | 1,886 |
| Pretax return on assets | 1.7100% | 1,157 |
| Return on Equity (ROE) | 13.6456% | 1,236 |
| Retained earnings to average equity (ytd only) | 13.6456% | 547 |
| Net charge-offs to loans | 0.6512% | 1,879 |
| Credit loss provision to net charge-offs | 99.7347% | 3,807 |
| Earnings coverage of net charge-offs (x) | 4.2228% | 2,941 |
| Efficiency ratio | 47.5971% | 7,751 |
| Assets per employee ($millions) | 4.7739% | 2,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9976% | 6,202 |
| Loan loss allowance to noncurrent loans | 208.1227% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.3934% | 6,324 |
| Noncurrent loans to loans | 0.4793% | 6,226 |
| Net loans and leases to total assets | 81.2526% | 1,140 |
| Net loans and leases to deposits | 102.2258% | 1,155 |
| Net loans and leases to core deposits | 120.9177% | 2,342 |
| Total domestic deposits to total assets | 79.4834% | 5,549 |
| Equity capital to assets | 8.7432% | 5,700 |
| Core capital (leverage) ratio | 8.6781% | 5,190 |
| Tier 1 risk-based capital ratio | 10.1789% | 6,736 |
| Total risk-based capital ratio | 11.1354% | 6,944 |
| Memoranda: | ||
| Average total assets | $284,440,000 | 2,364 |
| Average earning assets | $265,745,500 | 2,319 |
| Average equity | $24,213,000 | 2,740 |
| Average total loans | $231,559,000 | 2,087 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4292% | 3,282 |
| Cost of funding earning assets | 2.5702% | 3,848 |
| Net interest margin | 3.8590% | 3,750 |
| Noninterest income to average assets | 0.4981% | 4,621 |
| Noninterest expense to average assets | 2.1318% | 7,155 |
| Loan and lease loss provision to assets | 0.4277% | 3,143 |
| Net operating income to assets | 1.0583% | 2,320 |
| Return on assets (ROA) | 1.0583% | 2,219 |
| Pretax return on assets | 1.5521% | 1,534 |
| Return on Equity (ROE) | 13.1256% | 1,300 |
| Retained earnings to average equity (ytd only) | 13.1256% | 158 |
| Net charge-offs to loans | 0.4326% | 2,661 |
| Credit loss provision to net charge-offs | 122.3140% | 4,395 |
| Earnings coverage of net charge-offs (x) | 5.6622% | 3,571 |
| Efficiency ratio | 51.8492% | 7,504 |
| Assets per employee ($millions) | 5.0389% | 1,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9946% | 6,108 |
| Loan loss allowance to noncurrent loans | 220.1336% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.3649% | 6,142 |
| Noncurrent loans to loans | 0.4518% | 5,990 |
| Net loans and leases to total assets | 79.9558% | 1,673 |
| Net loans and leases to deposits | 98.4697% | 2,056 |
| Net loans and leases to core deposits | 117.3643% | 2,966 |
| Total domestic deposits to total assets | 81.1984% | 4,563 |
| Equity capital to assets | 8.2863% | 6,438 |
| Core capital (leverage) ratio | 8.2698% | 6,009 |
| Tier 1 risk-based capital ratio | 9.6377% | 7,160 |
| Total risk-based capital ratio | 10.5752% | 7,417 |
| Memoranda: | ||
| Average total assets | $276,853,400 | 2,331 |
| Average earning assets | $259,239,000 | 2,296 |
| Average equity | $22,322,800 | 2,933 |
| Average total loans | $223,754,200 | 2,094 |