Home > CNB Bank, Inc. > Performance and Condition Ratios
CNB Bank, Inc., 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 | 4.4238% | 3,236 |
| Cost of funding earning assets | 1.3246% | 2,443 |
| Net interest margin | 3.0992% | 3,098 |
| Noninterest income to average assets | 0.7600% | 1,035 |
| Noninterest expense to average assets | 2.8781% | 1,317 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.5826% | 3,484 |
| Return on assets (ROA) | 0.5828% | 3,481 |
| Pretax return on assets | 0.7482% | 3,343 |
| Return on Equity (ROE) | 10.1500% | 2,458 |
| Retained earnings to average equity (ytd only) | 7.9271% | 1,562 |
| Net charge-offs to loans | 0.0297% | 1,711 |
| Credit loss provision to net charge-offs | 319.8473% | 917 |
| Earnings coverage of net charge-offs (x) | 36.6565% | 1,502 |
| Efficiency ratio | 77.9816% | 1,073 |
| Assets per employee ($millions) | 5.8837% | 2,918 |
| Cash dividends to net income (ytd only)* | 21.8931% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1541% | 2,533 |
| Loan loss allowance to noncurrent loans | 624.8535% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.5185% | 1,083 |
| Noncurrent loans to loans | 0.1847% | 2,590 |
| Net loans and leases to total assets | 74.6100% | 1,285 |
| Net loans and leases to deposits | 82.5062% | 1,907 |
| Net loans and leases to core deposits | 86.3015% | 2,290 |
| Total domestic deposits to total assets | 90.4300% | 645 |
| Equity capital to assets | 6.0709% | 4,219 |
| Core capital (leverage) ratio | 7.8778% | 4,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9927% | 2,248 |
| Memoranda: | ||
| Average total assets | $590,915,800 | 1,499 |
| Average earning assets | $559,402,400 | 1,469 |
| Average equity | $33,934,200 | 2,097 |
| Average total loans | $441,732,600 | 1,367 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3438% | 3,205 |
| Cost of funding earning assets | 1.2214% | 2,366 |
| Net interest margin | 3.1223% | 3,101 |
| Noninterest income to average assets | 0.7600% | 1,028 |
| Noninterest expense to average assets | 3.0009% | 1,070 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.5084% | 3,745 |
| Return on assets (ROA) | 0.5086% | 3,743 |
| Pretax return on assets | 0.6449% | 3,652 |
| Return on Equity (ROE) | 8.9900% | 2,932 |
| Retained earnings to average equity (ytd only) | 6.8977% | 2,329 |
| Net charge-offs to loans | 0.0180% | 1,774 |
| Credit loss provision to net charge-offs | 454.2373% | 680 |
| Earnings coverage of net charge-offs (x) | 52.8983% | 1,278 |
| Efficiency ratio | 80.8563% | 813 |
| Assets per employee ($millions) | 5.7374% | 2,980 |
| Cash dividends to net income (ytd only)* | 23.2766% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1818% | 2,463 |
| Loan loss allowance to noncurrent loans | 766.5693% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.5036% | 1,150 |
| Noncurrent loans to loans | 0.1542% | 2,783 |
| Net loans and leases to total assets | 73.5800% | 1,394 |
| Net loans and leases to deposits | 79.2258% | 2,121 |
| Net loans and leases to core deposits | 82.8418% | 2,408 |
| Total domestic deposits to total assets | 92.8800% | 316 |
| Equity capital to assets | 5.4065% | 4,164 |
| Core capital (leverage) ratio | 7.8742% | 4,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2042% | 2,201 |
| Memoranda: | ||
| Average total assets | $585,668,250 | 1,521 |
| Average earning assets | $553,973,750 | 1,480 |
| Average equity | $33,130,750 | 2,120 |
| Average total loans | $436,703,000 | 1,371 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2902% | 3,115 |
| Cost of funding earning assets | 1.1361% | 2,179 |
| Net interest margin | 3.1540% | 3,094 |
| Noninterest income to average assets | 0.7600% | 956 |
| Noninterest expense to average assets | 2.8712% | 1,275 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.6242% | 3,520 |
| Return on assets (ROA) | 0.6247% | 3,528 |
| Pretax return on assets | 0.7969% | 3,406 |
| Return on Equity (ROE) | 10.8800% | 2,451 |
| Retained earnings to average equity (ytd only) | 7.7676% | 2,049 |
| Net charge-offs to loans | 0.0207% | 1,476 |
| Credit loss provision to net charge-offs | 484.4444% | 662 |
| Earnings coverage of net charge-offs (x) | 56.2444% | 1,226 |
| Efficiency ratio | 76.7500% | 1,108 |
| Assets per employee ($millions) | 5.6156% | 3,048 |
| Cash dividends to net income (ytd only)* | 28.6029% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 2,412 |
| Loan loss allowance to noncurrent loans | 481.0886% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.5885% | 917 |
| Noncurrent loans to loans | 0.2505% | 2,262 |
| Net loans and leases to total assets | 73.9200% | 1,302 |
| Net loans and leases to deposits | 82.0789% | 1,822 |
| Net loans and leases to core deposits | 85.5515% | 2,106 |
| Total domestic deposits to total assets | 90.0600% | 912 |
| Equity capital to assets | 5.9033% | 4,189 |
| Core capital (leverage) ratio | 7.9031% | 4,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2101% | 2,213 |
| Memoranda: | ||
| Average total assets | $581,994,667 | 1,524 |
| Average earning assets | $550,281,000 | 1,496 |
| Average equity | $33,421,000 | 2,123 |
| Average total loans | $434,164,333 | 1,362 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2421% | 2,947 |
| Cost of funding earning assets | 1.1116% | 1,721 |
| Net interest margin | 3.1305% | 3,287 |
| Noninterest income to average assets | 0.8100% | 834 |
| Noninterest expense to average assets | 2.8805% | 1,274 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.6341% | 3,624 |
| Return on assets (ROA) | 0.6352% | 3,575 |
| Pretax return on assets | 0.8037% | 3,455 |
| Return on Equity (ROE) | 11.2200% | 2,436 |
| Retained earnings to average equity (ytd only) | 7.7679% | 2,293 |
| Net charge-offs to loans | 0.0202% | 1,274 |
| Credit loss provision to net charge-offs | 713.6364% | 449 |
| Earnings coverage of net charge-offs (x) | 58.7727% | 1,033 |
| Efficiency ratio | 76.4781% | 1,130 |
| Assets per employee ($millions) | 5.6782% | 3,043 |
| Cash dividends to net income (ytd only)* | 30.7443% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1911% | 2,601 |
| Loan loss allowance to noncurrent loans | 453.7248% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.5918% | 867 |
| Noncurrent loans to loans | 0.2625% | 2,206 |
| Net loans and leases to total assets | 73.4300% | 1,274 |
| Net loans and leases to deposits | 82.1791% | 1,642 |
| Net loans and leases to core deposits | 85.1391% | 1,917 |
| Total domestic deposits to total assets | 89.3600% | 1,393 |
| Equity capital to assets | 5.9100% | 4,233 |
| Core capital (leverage) ratio | 7.7163% | 4,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8906% | 2,430 |
| Memoranda: | ||
| Average total assets | $583,790,000 | 1,540 |
| Average earning assets | $551,992,500 | 1,513 |
| Average equity | $33,059,000 | 2,162 |
| Average total loans | $434,862,500 | 1,369 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7682% | 2,357 |
| Cost of funding earning assets | 0.4976% | 1,405 |
| Net interest margin | 3.2706% | 2,646 |
| Noninterest income to average assets | 0.8200% | 957 |
| Noninterest expense to average assets | 2.9459% | 1,055 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 0.6793% | 3,674 |
| Return on assets (ROA) | 0.6859% | 3,607 |
| Pretax return on assets | 0.8632% | 3,448 |
| Return on Equity (ROE) | 11.1600% | 2,419 |
| Retained earnings to average equity (ytd only) | 8.4051% | 1,677 |
| Net charge-offs to loans | 0.0253% | 1,554 |
| Credit loss provision to net charge-offs | 601.9802% | 598 |
| Earnings coverage of net charge-offs (x) | 52.8911% | 1,321 |
| Efficiency ratio | 75.3302% | 1,085 |
| Assets per employee ($millions) | 5.6032% | 3,120 |
| Cash dividends to net income (ytd only)* | 24.6972% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1589% | 2,591 |
| Loan loss allowance to noncurrent loans | 471.2150% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.5817% | 861 |
| Noncurrent loans to loans | 0.2459% | 2,295 |
| Net loans and leases to total assets | 73.8000% | 1,233 |
| Net loans and leases to deposits | 86.4442% | 1,284 |
| Net loans and leases to core deposits | 89.4235% | 1,535 |
| Total domestic deposits to total assets | 85.3700% | 2,891 |
| Equity capital to assets | 5.4147% | 4,263 |
| Core capital (leverage) ratio | 7.7698% | 4,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5235% | 2,565 |
| Memoranda: | ||
| Average total assets | $553,727,600 | 1,599 |
| Average earning assets | $522,720,600 | 1,575 |
| Average equity | $34,026,800 | 2,149 |
| Average total loans | $399,114,600 | 1,393 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6391% | 2,227 |
| Cost of funding earning assets | 0.3831% | 1,415 |
| Net interest margin | 3.2559% | 2,438 |
| Noninterest income to average assets | 0.8600% | 906 |
| Noninterest expense to average assets | 2.9717% | 941 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.6670% | 3,652 |
| Return on assets (ROA) | 0.6758% | 3,591 |
| Pretax return on assets | 0.8520% | 3,468 |
| Return on Equity (ROE) | 10.6600% | 2,519 |
| Retained earnings to average equity (ytd only) | 9.7558% | 1,414 |
| Net charge-offs to loans | 0.0287% | 1,259 |
| Credit loss provision to net charge-offs | 573.8095% | 566 |
| Earnings coverage of net charge-offs (x) | 46.7619% | 1,319 |
| Efficiency ratio | 75.6146% | 1,113 |
| Assets per employee ($millions) | 5.5251% | 3,188 |
| Cash dividends to net income (ytd only)* | 8.4838% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1982% | 2,539 |
| Loan loss allowance to noncurrent loans | 413.4954% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.6234% | 847 |
| Noncurrent loans to loans | 0.2898% | 2,206 |
| Net loans and leases to total assets | 72.1800% | 1,274 |
| Net loans and leases to deposits | 83.8291% | 1,311 |
| Net loans and leases to core deposits | 86.5076% | 1,498 |
| Total domestic deposits to total assets | 86.1000% | 3,044 |
| Equity capital to assets | 5.2733% | 4,198 |
| Core capital (leverage) ratio | 7.9874% | 4,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8298% | 2,541 |
| Memoranda: | ||
| Average total assets | $546,477,500 | 1,630 |
| Average earning assets | $515,722,750 | 1,604 |
| Average equity | $34,645,250 | 2,159 |
| Average total loans | $390,124,500 | 1,413 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5130% | 2,100 |
| Cost of funding earning assets | 0.3428% | 1,339 |
| Net interest margin | 3.1702% | 2,287 |
| Noninterest income to average assets | 0.8532% | 932 |
| Noninterest expense to average assets | 2.9413% | 922 |
| Loan and lease loss provision to assets | 0.1109% | 904 |
| Net operating income to assets | 0.6373% | 3,517 |
| Return on assets (ROA) | 0.6509% | 3,418 |
| Pretax return on assets | 0.8144% | 3,283 |
| Return on Equity (ROE) | 9.7003% | 2,450 |
| Retained earnings to average equity (ytd only) | 8.4051% | 1,470 |
| Net charge-offs to loans | 0.0219% | 1,288 |
| Credit loss provision to net charge-offs | 714.2857% | 509 |
| Earnings coverage of net charge-offs (x) | 58.4762% | 1,090 |
| Efficiency ratio | 76.4050% | 1,233 |
| Assets per employee ($millions) | 5.2927% | 3,437 |
| Cash dividends to net income (ytd only)* | 13.3523% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2124% | 2,626 |
| Loan loss allowance to noncurrent loans | 402.7731% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.6639% | 824 |
| Noncurrent loans to loans | 0.3010% | 2,259 |
| Net loans and leases to total assets | 71.6391% | 1,151 |
| Net loans and leases to deposits | 81.1108% | 1,309 |
| Net loans and leases to core deposits | 83.7247% | 1,469 |
| Total domestic deposits to total assets | 88.3226% | 2,451 |
| Equity capital to assets | 5.9118% | 4,226 |
| Core capital (leverage) ratio | 8.0929% | 4,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7038% | 2,608 |
| Memoranda: | ||
| Average total assets | $540,784,333 | 1,652 |
| Average earning assets | $511,134,667 | 1,634 |
| Average equity | $36,287,667 | 2,147 |
| Average total loans | $382,937,667 | 1,428 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4125% | 2,049 |
| Cost of funding earning assets | 0.3354% | 1,320 |
| Net interest margin | 3.0772% | 2,245 |
| Noninterest income to average assets | 0.8830% | 861 |
| Noninterest expense to average assets | 2.9320% | 907 |
| Loan and lease loss provision to assets | 0.0965% | 857 |
| Net operating income to assets | 0.7023% | 3,052 |
| Return on assets (ROA) | 0.7337% | 2,903 |
| Pretax return on assets | 0.7984% | 3,114 |
| Return on Equity (ROE) | 10.3138% | 1,850 |
| Retained earnings to average equity (ytd only) | 10.3138% | 945 |
| Net charge-offs to loans | 0.0085% | 1,433 |
| Credit loss provision to net charge-offs | 1,625.0000% | 245 |
| Earnings coverage of net charge-offs (x) | 144.8750% | 547 |
| Efficiency ratio | 77.3057% | 1,369 |
| Assets per employee ($millions) | 5.2341% | 3,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 2,701 |
| Loan loss allowance to noncurrent loans | 464.7705% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.6364% | 939 |
| Noncurrent loans to loans | 0.2647% | 2,526 |
| Net loans and leases to total assets | 69.3524% | 1,079 |
| Net loans and leases to deposits | 77.4419% | 1,329 |
| Net loans and leases to core deposits | 79.8378% | 1,493 |
| Total domestic deposits to total assets | 89.5541% | 1,786 |
| Equity capital to assets | 6.7463% | 4,321 |
| Core capital (leverage) ratio | 8.1457% | 4,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8507% | 2,659 |
| Memoranda: | ||
| Average total assets | $538,604,000 | 1,668 |
| Average earning assets | $509,302,000 | 1,648 |
| Average equity | $38,317,500 | 2,119 |
| Average total loans | $376,741,500 | 1,439 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7450% | 1,988 |
| Cost of funding earning assets | 0.4039% | 1,520 |
| Net interest margin | 3.3411% | 2,205 |
| Noninterest income to average assets | 1.0321% | 936 |
| Noninterest expense to average assets | 3.2672% | 659 |
| Loan and lease loss provision to assets | 0.0808% | 1,516 |
| Net operating income to assets | 0.6592% | 3,720 |
| Return on assets (ROA) | 0.6664% | 3,760 |
| Pretax return on assets | 0.8480% | 3,632 |
| Return on Equity (ROE) | 8.9429% | 2,933 |
| Retained earnings to average equity (ytd only) | 6.5877% | 2,088 |
| Net charge-offs to loans | 0.0293% | 1,652 |
| Credit loss provision to net charge-offs | 380.7339% | 937 |
| Earnings coverage of net charge-offs (x) | 43.3578% | 1,388 |
| Efficiency ratio | 78.0360% | 941 |
| Assets per employee ($millions) | 5.3810% | 3,381 |
| Cash dividends to net income (ytd only)* | 26.3358% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2095% | 2,843 |
| Loan loss allowance to noncurrent loans | 222.6313% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.8300% | 712 |
| Noncurrent loans to loans | 0.5433% | 1,765 |
| Net loans and leases to total assets | 68.8360% | 1,171 |
| Net loans and leases to deposits | 77.5042% | 1,445 |
| Net loans and leases to core deposits | 80.2934% | 1,567 |
| Total domestic deposits to total assets | 88.8159% | 1,610 |
| Equity capital to assets | 7.4829% | 4,597 |
| Core capital (leverage) ratio | 7.9836% | 4,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1075% | 2,595 |
| Memoranda: | ||
| Average total assets | $513,925,600 | 1,666 |
| Average earning assets | $485,261,600 | 1,649 |
| Average equity | $38,298,400 | 2,147 |
| Average total loans | $371,452,400 | 1,456 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7844% | 2,046 |
| Cost of funding earning assets | 0.4143% | 1,593 |
| Net interest margin | 3.3700% | 2,237 |
| Noninterest income to average assets | 1.0362% | 1,007 |
| Noninterest expense to average assets | 3.1235% | 788 |
| Loan and lease loss provision to assets | 0.1235% | 947 |
| Net operating income to assets | 0.7590% | 3,630 |
| Return on assets (ROA) | 0.7563% | 3,702 |
| Pretax return on assets | 0.9695% | 3,543 |
| Return on Equity (ROE) | 10.1602% | 2,677 |
| Retained earnings to average equity (ytd only) | 9.3279% | 1,566 |
| Net charge-offs to loans | 0.0122% | 1,876 |
| Credit loss provision to net charge-offs | 1,382.3529% | 426 |
| Earnings coverage of net charge-offs (x) | 122.8235% | 765 |
| Efficiency ratio | 74.0202% | 1,213 |
| Assets per employee ($millions) | 5.3548% | 3,346 |
| Cash dividends to net income (ytd only)* | 8.1916% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2227% | 2,880 |
| Loan loss allowance to noncurrent loans | 289.0335% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.7421% | 989 |
| Noncurrent loans to loans | 0.4230% | 2,298 |
| Net loans and leases to total assets | 71.0921% | 975 |
| Net loans and leases to deposits | 80.1621% | 1,280 |
| Net loans and leases to core deposits | 83.2486% | 1,477 |
| Total domestic deposits to total assets | 88.6854% | 1,472 |
| Equity capital to assets | 7.3700% | 4,739 |
| Core capital (leverage) ratio | 8.2095% | 4,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9093% | 2,740 |
| Memoranda: | ||
| Average total assets | $507,883,000 | 1,699 |
| Average earning assets | $479,784,750 | 1,679 |
| Average equity | $37,806,750 | 2,189 |
| Average total loans | $370,580,750 | 1,482 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6681% | 2,421 |
| Cost of funding earning assets | 0.4308% | 1,653 |
| Net interest margin | 3.2373% | 2,647 |
| Noninterest income to average assets | 1.0386% | 1,012 |
| Noninterest expense to average assets | 3.0260% | 941 |
| Loan and lease loss provision to assets | 0.1199% | 1,055 |
| Net operating income to assets | 0.7369% | 3,666 |
| Return on assets (ROA) | 0.7369% | 3,735 |
| Pretax return on assets | 0.9467% | 3,551 |
| Return on Equity (ROE) | 9.8647% | 2,798 |
| Retained earnings to average equity (ytd only) | 8.6076% | 1,850 |
| Net charge-offs to loans | 0.0011% | 2,199 |
| Credit loss provision to net charge-offs | 15,000.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 1,334.5000% | 92 |
| Efficiency ratio | 73.9381% | 1,248 |
| Assets per employee ($millions) | 4.9007% | 3,747 |
| Cash dividends to net income (ytd only)* | 12.7440% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2005% | 2,931 |
| Loan loss allowance to noncurrent loans | 274.6966% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.7711% | 1,064 |
| Noncurrent loans to loans | 0.4370% | 2,363 |
| Net loans and leases to total assets | 72.4016% | 917 |
| Net loans and leases to deposits | 81.9566% | 1,228 |
| Net loans and leases to core deposits | 85.3640% | 1,464 |
| Total domestic deposits to total assets | 88.3413% | 1,651 |
| Equity capital to assets | 7.3924% | 4,770 |
| Core capital (leverage) ratio | 8.2089% | 4,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $500,470,333 | 1,713 |
| Average earning assets | $472,123,667 | 1,695 |
| Average equity | $37,385,667 | 2,198 |
| Average total loans | $366,928,000 | 1,496 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6690% | 2,442 |
| Cost of funding earning assets | 0.4480% | 1,738 |
| Net interest margin | 3.2210% | 2,632 |
| Noninterest income to average assets | 1.1017% | 981 |
| Noninterest expense to average assets | 3.0522% | 909 |
| Loan and lease loss provision to assets | 0.1054% | 1,298 |
| Net operating income to assets | 0.7499% | 3,577 |
| Return on assets (ROA) | 0.7499% | 3,646 |
| Pretax return on assets | 0.9752% | 3,445 |
| Return on Equity (ROE) | 9.9841% | 2,691 |
| Retained earnings to average equity (ytd only) | 9.9841% | 1,647 |
| Net charge-offs to loans | -0.0022% | 3,157 |
| Credit loss provision to net charge-offs | -6,500.0000% | 3,753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8525% | 1,326 |
| Assets per employee ($millions) | 4.9550% | 3,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 2,972 |
| Loan loss allowance to noncurrent loans | 283.3658% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.7635% | 1,194 |
| Noncurrent loans to loans | 0.4208% | 2,595 |
| Net loans and leases to total assets | 71.4980% | 1,093 |
| Net loans and leases to deposits | 80.5009% | 1,477 |
| Net loans and leases to core deposits | 84.2743% | 1,655 |
| Total domestic deposits to total assets | 88.8164% | 1,434 |
| Equity capital to assets | 7.3083% | 4,774 |
| Core capital (leverage) ratio | 8.4687% | 4,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $493,421,000 | 1,722 |
| Average earning assets | $464,324,500 | 1,702 |
| Average equity | $37,059,000 | 2,201 |
| Average total loans | $361,850,500 | 1,516 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9376% | 2,907 |
| Cost of funding earning assets | 0.6617% | 1,920 |
| Net interest margin | 3.2759% | 3,141 |
| Noninterest income to average assets | 1.0639% | 939 |
| Noninterest expense to average assets | 3.1418% | 1,158 |
| Loan and lease loss provision to assets | 0.2377% | 1,635 |
| Net operating income to assets | 0.6020% | 3,751 |
| Return on assets (ROA) | 0.7075% | 3,543 |
| Pretax return on assets | 0.8793% | 3,427 |
| Return on Equity (ROE) | 8.6188% | 2,546 |
| Retained earnings to average equity (ytd only) | 2.8847% | 3,428 |
| Net charge-offs to loans | 0.0290% | 2,451 |
| Credit loss provision to net charge-offs | 1,080.8081% | 740 |
| Earnings coverage of net charge-offs (x) | 44.7879% | 1,297 |
| Efficiency ratio | 76.1318% | 1,210 |
| Assets per employee ($millions) | 4.7199% | 3,700 |
| Cash dividends to net income (ytd only)* | 66.5306% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 3,048 |
| Loan loss allowance to noncurrent loans | 297.8169% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.7768% | 1,316 |
| Noncurrent loans to loans | 0.3967% | 2,789 |
| Net loans and leases to total assets | 73.4793% | 1,092 |
| Net loans and leases to deposits | 83.7081% | 1,486 |
| Net loans and leases to core deposits | 88.4329% | 1,649 |
| Total domestic deposits to total assets | 87.7804% | 1,574 |
| Equity capital to assets | 7.7230% | 4,797 |
| Core capital (leverage) ratio | 8.5022% | 4,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $450,150,200 | 1,702 |
| Average earning assets | $420,889,200 | 1,691 |
| Average equity | $36,954,200 | 2,137 |
| Average total loans | $341,508,600 | 1,533 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9639% | 3,078 |
| Cost of funding earning assets | 0.7121% | 1,951 |
| Net interest margin | 3.2519% | 3,328 |
| Noninterest income to average assets | 0.9884% | 1,037 |
| Noninterest expense to average assets | 3.0610% | 1,312 |
| Loan and lease loss provision to assets | 0.2864% | 1,407 |
| Net operating income to assets | 0.5573% | 3,889 |
| Return on assets (ROA) | 0.6987% | 3,563 |
| Pretax return on assets | 0.8488% | 3,517 |
| Return on Equity (ROE) | 8.3761% | 2,656 |
| Retained earnings to average equity (ytd only) | 6.8007% | 1,778 |
| Net charge-offs to loans | -0.0103% | 4,229 |
| Credit loss provision to net charge-offs | -3,653.8462% | 4,183 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0731% | 1,198 |
| Assets per employee ($millions) | 4.6315% | 3,682 |
| Cash dividends to net income (ytd only)* | 18.8093% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1920% | 2,709 |
| Loan loss allowance to noncurrent loans | 371.0780% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.7574% | 1,532 |
| Noncurrent loans to loans | 0.3212% | 3,135 |
| Net loans and leases to total assets | 74.2945% | 1,339 |
| Net loans and leases to deposits | 84.8926% | 1,819 |
| Net loans and leases to core deposits | 89.3472% | 2,032 |
| Total domestic deposits to total assets | 87.5159% | 1,443 |
| Equity capital to assets | 8.1136% | 4,675 |
| Core capital (leverage) ratio | 8.9378% | 3,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $442,329,750 | 1,703 |
| Average earning assets | $412,880,500 | 1,697 |
| Average equity | $36,897,500 | 2,122 |
| Average total loans | $337,390,250 | 1,541 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1526% | 2,902 |
| Cost of funding earning assets | 0.8020% | 1,816 |
| Net interest margin | 3.3507% | 3,245 |
| Noninterest income to average assets | 0.9521% | 1,067 |
| Noninterest expense to average assets | 3.1746% | 1,204 |
| Loan and lease loss provision to assets | 0.3123% | 1,380 |
| Net operating income to assets | 0.4307% | 4,166 |
| Return on assets (ROA) | 0.6477% | 3,677 |
| Pretax return on assets | 0.7897% | 3,620 |
| Return on Equity (ROE) | 7.6881% | 2,865 |
| Retained earnings to average equity (ytd only) | 5.2938% | 2,351 |
| Net charge-offs to loans | 0.0121% | 2,530 |
| Credit loss provision to net charge-offs | 3,375.0000% | 325 |
| Earnings coverage of net charge-offs (x) | 90.5000% | 744 |
| Efficiency ratio | 79.1282% | 946 |
| Assets per employee ($millions) | 4.4620% | 3,835 |
| Cash dividends to net income (ytd only)* | 31.1429% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1214% | 2,921 |
| Loan loss allowance to noncurrent loans | 353.4779% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.7916% | 1,570 |
| Noncurrent loans to loans | 0.3173% | 3,250 |
| Net loans and leases to total assets | 75.0721% | 1,270 |
| Net loans and leases to deposits | 85.9801% | 1,768 |
| Net loans and leases to core deposits | 90.3541% | 2,051 |
| Total domestic deposits to total assets | 87.3133% | 1,490 |
| Equity capital to assets | 8.1030% | 4,667 |
| Core capital (leverage) ratio | 8.9240% | 3,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $432,301,000 | 1,706 |
| Average earning assets | $394,784,333 | 1,732 |
| Average equity | $36,420,000 | 2,136 |
| Average total loans | $331,449,333 | 1,547 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2558% | 3,048 |
| Cost of funding earning assets | 0.9169% | 1,782 |
| Net interest margin | 3.3389% | 3,487 |
| Noninterest income to average assets | 0.9841% | 890 |
| Noninterest expense to average assets | 3.3048% | 1,218 |
| Loan and lease loss provision to assets | 0.3105% | 999 |
| Net operating income to assets | 0.4080% | 4,118 |
| Return on assets (ROA) | 0.6000% | 3,652 |
| Pretax return on assets | 0.6860% | 3,728 |
| Return on Equity (ROE) | 6.9758% | 2,961 |
| Retained earnings to average equity (ytd only) | 4.7542% | 2,389 |
| Net charge-offs to loans | 0.0359% | 1,694 |
| Credit loss provision to net charge-offs | 1,120.6897% | 526 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,221 |
| Efficiency ratio | 80.9881% | 1,045 |
| Assets per employee ($millions) | 4.0011% | 3,917 |
| Cash dividends to net income (ytd only)* | 31.8471% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0951% | 3,234 |
| Loan loss allowance to noncurrent loans | 280.7267% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.9305% | 1,428 |
| Noncurrent loans to loans | 0.3901% | 3,089 |
| Net loans and leases to total assets | 76.4010% | 1,231 |
| Net loans and leases to deposits | 88.4216% | 1,705 |
| Net loans and leases to core deposits | 94.3353% | 1,938 |
| Total domestic deposits to total assets | 86.4054% | 1,823 |
| Equity capital to assets | 8.6724% | 4,755 |
| Core capital (leverage) ratio | 9.5196% | 3,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9624% | 1,919 |
| Memoranda: | ||
| Average total assets | $418,659,000 | 1,713 |
| Average earning assets | $388,272,000 | 1,710 |
| Average equity | $36,010,000 | 2,139 |
| Average total loans | $322,707,500 | 1,551 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3014% | 3,540 |
| Cost of funding earning assets | 0.9395% | 2,010 |
| Net interest margin | 3.3619% | 3,846 |
| Noninterest income to average assets | 0.9845% | 1,008 |
| Noninterest expense to average assets | 3.2198% | 1,474 |
| Loan and lease loss provision to assets | 0.1077% | 1,930 |
| Net operating income to assets | 0.6174% | 4,107 |
| Return on assets (ROA) | 0.6992% | 3,933 |
| Pretax return on assets | 0.8718% | 3,818 |
| Return on Equity (ROE) | 8.0900% | 3,129 |
| Retained earnings to average equity (ytd only) | 5.6406% | 2,071 |
| Net charge-offs to loans | 0.2715% | 766 |
| Credit loss provision to net charge-offs | 51.5403% | 3,116 |
| Earnings coverage of net charge-offs (x) | 4.1979% | 3,243 |
| Efficiency ratio | 78.5883% | 1,085 |
| Assets per employee ($millions) | 3.9734% | 3,930 |
| Cash dividends to net income (ytd only)* | 30.2762% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0150% | 3,413 |
| Loan loss allowance to noncurrent loans | 246.5556% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.9559% | 1,322 |
| Noncurrent loans to loans | 0.4117% | 2,966 |
| Net loans and leases to total assets | 76.1337% | 1,391 |
| Net loans and leases to deposits | 87.9570% | 1,852 |
| Net loans and leases to core deposits | 94.3021% | 2,031 |
| Total domestic deposits to total assets | 86.5579% | 1,823 |
| Equity capital to assets | 8.5297% | 4,900 |
| Core capital (leverage) ratio | 9.4210% | 4,142 |
| Tier 1 risk-based capital ratio | 13.9580% | 3,292 |
| Total risk-based capital ratio | 15.1221% | 3,237 |
| Memoranda: | ||
| Average total assets | $403,873,200 | 1,728 |
| Average earning assets | $373,925,400 | 1,735 |
| Average equity | $34,907,400 | 2,143 |
| Average total loans | $310,904,800 | 1,560 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3228% | 3,583 |
| Cost of funding earning assets | 0.9139% | 2,165 |
| Net interest margin | 3.4089% | 3,843 |
| Noninterest income to average assets | 0.9570% | 1,029 |
| Noninterest expense to average assets | 3.2499% | 1,376 |
| Loan and lease loss provision to assets | 0.0499% | 2,899 |
| Net operating income to assets | 0.6585% | 4,138 |
| Return on assets (ROA) | 0.7696% | 3,845 |
| Pretax return on assets | 0.9470% | 3,745 |
| Return on Equity (ROE) | 8.8739% | 2,934 |
| Retained earnings to average equity (ytd only) | 7.9604% | 1,417 |
| Net charge-offs to loans | 0.0744% | 1,756 |
| Credit loss provision to net charge-offs | 87.2093% | 2,425 |
| Earnings coverage of net charge-offs (x) | 15.0173% | 2,215 |
| Efficiency ratio | 79.0782% | 1,004 |
| Assets per employee ($millions) | 3.9301% | 3,984 |
| Cash dividends to net income (ytd only)* | 10.2943% | 3,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1557% | 2,746 |
| Loan loss allowance to noncurrent loans | 390.9871% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 1.0822% | 1,212 |
| Noncurrent loans to loans | 0.2956% | 3,479 |
| Net loans and leases to total assets | 75.5274% | 1,558 |
| Net loans and leases to deposits | 87.4096% | 2,009 |
| Net loans and leases to core deposits | 93.6385% | 2,209 |
| Total domestic deposits to total assets | 86.4063% | 1,815 |
| Equity capital to assets | 8.8106% | 4,872 |
| Core capital (leverage) ratio | 9.6804% | 3,995 |
| Tier 1 risk-based capital ratio | 14.3892% | 3,141 |
| Total risk-based capital ratio | 15.6401% | 3,043 |
| Memoranda: | ||
| Average total assets | $400,540,750 | 1,753 |
| Average earning assets | $370,428,250 | 1,759 |
| Average equity | $34,737,750 | 2,164 |
| Average total loans | $308,408,750 | 1,584 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3346% | 3,531 |
| Cost of funding earning assets | 0.8916% | 2,193 |
| Net interest margin | 3.4429% | 3,760 |
| Noninterest income to average assets | 0.9185% | 1,041 |
| Noninterest expense to average assets | 3.2096% | 1,486 |
| Loan and lease loss provision to assets | 0.0504% | 2,808 |
| Net operating income to assets | 0.6948% | 4,019 |
| Return on assets (ROA) | 0.7899% | 3,750 |
| Pretax return on assets | 0.9670% | 3,661 |
| Return on Equity (ROE) | 9.1585% | 2,788 |
| Retained earnings to average equity (ytd only) | 7.7666% | 1,487 |
| Net charge-offs to loans | 0.0523% | 1,899 |
| Credit loss provision to net charge-offs | 125.0000% | 1,685 |
| Earnings coverage of net charge-offs (x) | 22.3375% | 1,697 |
| Efficiency ratio | 78.0736% | 1,142 |
| Assets per employee ($millions) | 3.8607% | 4,049 |
| Cash dividends to net income (ytd only)* | 15.1980% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2052% | 2,499 |
| Loan loss allowance to noncurrent loans | 386.3732% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 1.0906% | 1,252 |
| Noncurrent loans to loans | 0.3119% | 3,422 |
| Net loans and leases to total assets | 75.2535% | 1,676 |
| Net loans and leases to deposits | 86.2529% | 2,228 |
| Net loans and leases to core deposits | 92.0344% | 2,416 |
| Total domestic deposits to total assets | 87.2476% | 1,468 |
| Equity capital to assets | 8.8240% | 4,891 |
| Core capital (leverage) ratio | 9.6667% | 3,965 |
| Tier 1 risk-based capital ratio | 14.3582% | 3,137 |
| Total risk-based capital ratio | 15.6097% | 3,054 |
| Memoranda: | ||
| Average total assets | $396,500,330 | 1,770 |
| Average earning assets | $367,650,330 | 1,772 |
| Average equity | $34,197,670 | 2,186 |
| Average total loans | $306,106,000 | 1,594 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3392% | 3,431 |
| Cost of funding earning assets | 0.8796% | 2,098 |
| Net interest margin | 3.4596% | 3,716 |
| Noninterest income to average assets | 0.8508% | 1,167 |
| Noninterest expense to average assets | 3.1767% | 1,555 |
| Loan and lease loss provision to assets | 0.0508% | 2,637 |
| Net operating income to assets | 0.6784% | 4,010 |
| Return on assets (ROA) | 0.7807% | 3,733 |
| Pretax return on assets | 0.9736% | 3,525 |
| Return on Equity (ROE) | 9.1597% | 2,729 |
| Retained earnings to average equity (ytd only) | 9.1597% | 1,258 |
| Net charge-offs to loans | 0.0444% | 1,640 |
| Credit loss provision to net charge-offs | 147.0588% | 1,261 |
| Earnings coverage of net charge-offs (x) | 25.9706% | 1,413 |
| Efficiency ratio | 77.9910% | 1,265 |
| Assets per employee ($millions) | 3.9295% | 4,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1963% | 2,602 |
| Loan loss allowance to noncurrent loans | 402.4044% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.3185% | 3,323 |
| Noncurrent loans to loans | 0.2973% | 3,499 |
| Net loans and leases to total assets | 76.6251% | 1,375 |
| Net loans and leases to deposits | 87.6214% | 1,920 |
| Net loans and leases to core deposits | 95.4301% | 1,980 |
| Total domestic deposits to total assets | 87.4502% | 1,589 |
| Equity capital to assets | 8.6312% | 4,911 |
| Core capital (leverage) ratio | 9.5996% | 4,022 |
| Tier 1 risk-based capital ratio | 14.6142% | 3,058 |
| Total risk-based capital ratio | 15.8662% | 2,977 |
| Memoranda: | ||
| Average total assets | $393,996,500 | 1,790 |
| Average earning assets | $366,980,000 | 1,786 |
| Average equity | $33,582,000 | 2,213 |
| Average total loans | $306,241,500 | 1,602 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1780% | 3,501 |
| Cost of funding earning assets | 0.6984% | 2,102 |
| Net interest margin | 3.4796% | 3,773 |
| Noninterest income to average assets | 0.9333% | 1,099 |
| Noninterest expense to average assets | 3.1790% | 1,600 |
| Loan and lease loss provision to assets | 0.0533% | 3,113 |
| Net operating income to assets | 0.7669% | 3,919 |
| Return on assets (ROA) | 0.7709% | 3,915 |
| Pretax return on assets | 0.9537% | 3,749 |
| Return on Equity (ROE) | 9.1417% | 2,924 |
| Retained earnings to average equity (ytd only) | 5.8103% | 2,289 |
| Net charge-offs to loans | 0.0776% | 2,016 |
| Credit loss provision to net charge-offs | 89.3333% | 2,731 |
| Earnings coverage of net charge-offs (x) | 16.7867% | 2,227 |
| Efficiency ratio | 76.0343% | 1,357 |
| Assets per employee ($millions) | 3.8725% | 4,067 |
| Cash dividends to net income (ytd only)* | 36.4418% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2032% | 2,555 |
| Loan loss allowance to noncurrent loans | 317.9532% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.3436% | 3,178 |
| Noncurrent loans to loans | 0.3784% | 3,178 |
| Net loans and leases to total assets | 76.9663% | 1,448 |
| Net loans and leases to deposits | 92.8652% | 1,411 |
| Net loans and leases to core deposits | 101.5011% | 1,607 |
| Total domestic deposits to total assets | 82.8796% | 3,368 |
| Equity capital to assets | 8.4141% | 4,980 |
| Core capital (leverage) ratio | 9.5390% | 4,078 |
| Tier 1 risk-based capital ratio | 14.2308% | 3,192 |
| Total risk-based capital ratio | 15.4827% | 3,116 |
| Memoranda: | ||
| Average total assets | $376,941,000 | 1,807 |
| Average earning assets | $351,819,000 | 1,800 |
| Average equity | $31,788,400 | 2,233 |
| Average total loans | $289,904,600 | 1,636 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1295% | 3,534 |
| Cost of funding earning assets | 0.6533% | 2,133 |
| Net interest margin | 3.4762% | 3,776 |
| Noninterest income to average assets | 0.9141% | 1,157 |
| Noninterest expense to average assets | 3.2169% | 1,488 |
| Loan and lease loss provision to assets | 0.0304% | 3,412 |
| Net operating income to assets | 0.7333% | 4,128 |
| Return on assets (ROA) | 0.7388% | 4,122 |
| Pretax return on assets | 0.9148% | 3,965 |
| Return on Equity (ROE) | 8.7552% | 3,215 |
| Retained earnings to average equity (ytd only) | 6.9314% | 2,161 |
| Net charge-offs to loans | 0.0447% | 2,202 |
| Credit loss provision to net charge-offs | 88.5417% | 2,438 |
| Earnings coverage of net charge-offs (x) | 27.3743% | 1,705 |
| Efficiency ratio | 77.4169% | 1,183 |
| Assets per employee ($millions) | 3.9940% | 3,899 |
| Cash dividends to net income (ytd only)* | 20.8312% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2280% | 2,465 |
| Loan loss allowance to noncurrent loans | 222.9697% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.4571% | 2,861 |
| Noncurrent loans to loans | 0.5508% | 2,731 |
| Net loans and leases to total assets | 76.3797% | 1,606 |
| Net loans and leases to deposits | 93.6647% | 1,414 |
| Net loans and leases to core deposits | 99.4532% | 1,837 |
| Total domestic deposits to total assets | 81.5459% | 3,726 |
| Equity capital to assets | 8.2184% | 5,075 |
| Core capital (leverage) ratio | 9.6212% | 4,028 |
| Tier 1 risk-based capital ratio | 14.2857% | 3,219 |
| Total risk-based capital ratio | 15.5378% | 3,138 |
| Memoranda: | ||
| Average total assets | $373,396,750 | 1,825 |
| Average earning assets | $348,148,750 | 1,820 |
| Average equity | $31,508,250 | 2,252 |
| Average total loans | $286,207,000 | 1,658 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0635% | 3,565 |
| Cost of funding earning assets | 0.6116% | 2,152 |
| Net interest margin | 3.4519% | 3,793 |
| Noninterest income to average assets | 0.8841% | 1,228 |
| Noninterest expense to average assets | 3.1845% | 1,579 |
| Loan and lease loss provision to assets | 0.0271% | 3,375 |
| Net operating income to assets | 0.7258% | 4,116 |
| Return on assets (ROA) | 0.7258% | 4,122 |
| Pretax return on assets | 0.8901% | 3,990 |
| Return on Equity (ROE) | 8.5229% | 3,252 |
| Retained earnings to average equity (ytd only) | 7.0515% | 2,053 |
| Net charge-offs to loans | 0.0575% | 1,783 |
| Credit loss provision to net charge-offs | 61.7284% | 2,416 |
| Earnings coverage of net charge-offs (x) | 20.8765% | 1,792 |
| Efficiency ratio | 77.6382% | 1,230 |
| Assets per employee ($millions) | 3.7472% | 4,285 |
| Cash dividends to net income (ytd only)* | 17.2646% | 3,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2543% | 2,409 |
| Loan loss allowance to noncurrent loans | 242.4785% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.4471% | 2,935 |
| Noncurrent loans to loans | 0.5173% | 2,868 |
| Net loans and leases to total assets | 76.1116% | 1,620 |
| Net loans and leases to deposits | 92.0893% | 1,570 |
| Net loans and leases to core deposits | 97.5410% | 1,921 |
| Total domestic deposits to total assets | 82.6498% | 3,510 |
| Equity capital to assets | 8.3666% | 5,041 |
| Core capital (leverage) ratio | 9.9286% | 3,660 |
| Tier 1 risk-based capital ratio | 14.6593% | 3,036 |
| Total risk-based capital ratio | 15.9122% | 2,960 |
| Memoranda: | ||
| Average total assets | $368,722,000 | 1,850 |
| Average earning assets | $343,697,000 | 1,851 |
| Average equity | $31,397,670 | 2,262 |
| Average total loans | $281,746,000 | 1,680 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0442% | 3,447 |
| Cost of funding earning assets | 0.6113% | 1,975 |
| Net interest margin | 3.4329% | 3,766 |
| Noninterest income to average assets | 0.8641% | 1,248 |
| Noninterest expense to average assets | 3.1563% | 1,676 |
| Loan and lease loss provision to assets | 0.0275% | 3,157 |
| Net operating income to assets | 0.7080% | 4,070 |
| Return on assets (ROA) | 0.7080% | 4,078 |
| Pretax return on assets | 0.8784% | 3,917 |
| Return on Equity (ROE) | 8.2395% | 3,278 |
| Retained earnings to average equity (ytd only) | 8.2395% | 1,753 |
| Net charge-offs to loans | 0.0260% | 1,980 |
| Credit loss provision to net charge-offs | 138.8889% | 1,279 |
| Earnings coverage of net charge-offs (x) | 45.7778% | 986 |
| Efficiency ratio | 77.6996% | 1,380 |
| Assets per employee ($millions) | 3.5566% | 4,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3305% | 2,100 |
| Loan loss allowance to noncurrent loans | 194.6814% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.5610% | 2,646 |
| Noncurrent loans to loans | 0.6834% | 2,500 |
| Net loans and leases to total assets | 75.5774% | 1,610 |
| Net loans and leases to deposits | 89.4071% | 1,761 |
| Net loans and leases to core deposits | 94.7322% | 2,078 |
| Total domestic deposits to total assets | 84.5317% | 3,109 |
| Equity capital to assets | 8.6026% | 4,899 |
| Core capital (leverage) ratio | 9.8813% | 3,677 |
| Tier 1 risk-based capital ratio | 14.8554% | 2,947 |
| Total risk-based capital ratio | 16.1090% | 2,880 |
| Memoranda: | ||
| Average total assets | $363,848,500 | 1,881 |
| Average earning assets | $338,954,000 | 1,877 |
| Average equity | $31,264,000 | 2,285 |
| Average total loans | $276,760,000 | 1,708 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9963% | 3,412 |
| Cost of funding earning assets | 0.5411% | 2,020 |
| Net interest margin | 3.4552% | 3,670 |
| Noninterest income to average assets | 0.8475% | 1,415 |
| Noninterest expense to average assets | 3.1802% | 1,650 |
| Loan and lease loss provision to assets | -0.1132% | 5,490 |
| Net operating income to assets | 0.5937% | 4,035 |
| Return on assets (ROA) | 0.6282% | 3,933 |
| Pretax return on assets | 1.0811% | 3,260 |
| Return on Equity (ROE) | 7.0778% | 3,233 |
| Retained earnings to average equity (ytd only) | 3.7275% | 2,994 |
| Net charge-offs to loans | 0.0670% | 2,509 |
| Credit loss provision to net charge-offs | -230.6358% | 4,826 |
| Earnings coverage of net charge-offs (x) | 18.6185% | 2,069 |
| Efficiency ratio | 77.6769% | 1,398 |
| Assets per employee ($millions) | 3.6861% | 4,452 |
| Cash dividends to net income (ytd only)* | 47.3351% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3387% | 2,029 |
| Loan loss allowance to noncurrent loans | 170.4388% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.6305% | 2,437 |
| Noncurrent loans to loans | 0.7854% | 2,257 |
| Net loans and leases to total assets | 74.5248% | 1,832 |
| Net loans and leases to deposits | 89.7782% | 1,802 |
| Net loans and leases to core deposits | 96.0477% | 2,017 |
| Total domestic deposits to total assets | 83.0098% | 3,559 |
| Equity capital to assets | 8.5826% | 5,059 |
| Core capital (leverage) ratio | 9.7452% | 3,749 |
| Tier 1 risk-based capital ratio | 14.5618% | 3,058 |
| Total risk-based capital ratio | 15.8152% | 2,980 |
| Memoranda: | ||
| Average total assets | $352,431,600 | 1,907 |
| Average earning assets | $331,152,800 | 1,887 |
| Average equity | $31,281,000 | 2,272 |
| Average total loans | $258,136,200 | 1,767 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9455% | 3,535 |
| Cost of funding earning assets | 0.5267% | 2,062 |
| Net interest margin | 3.4188% | 3,781 |
| Noninterest income to average assets | 0.8542% | 1,415 |
| Noninterest expense to average assets | 3.1482% | 1,678 |
| Loan and lease loss provision to assets | 0.0286% | 3,554 |
| Net operating income to assets | 0.6684% | 4,128 |
| Return on assets (ROA) | 0.7130% | 3,969 |
| Pretax return on assets | 0.9588% | 3,835 |
| Return on Equity (ROE) | 7.9645% | 3,139 |
| Retained earnings to average equity (ytd only) | 5.6877% | 2,440 |
| Net charge-offs to loans | 0.1450% | 1,378 |
| Credit loss provision to net charge-offs | 27.1739% | 3,102 |
| Earnings coverage of net charge-offs (x) | 8.8008% | 2,739 |
| Efficiency ratio | 77.2502% | 1,430 |
| Assets per employee ($millions) | 3.6173% | 4,566 |
| Cash dividends to net income (ytd only)* | 28.5867% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5176% | 1,473 |
| Loan loss allowance to noncurrent loans | 199.9508% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.6263% | 2,630 |
| Noncurrent loans to loans | 0.7590% | 2,462 |
| Net loans and leases to total assets | 73.5892% | 1,981 |
| Net loans and leases to deposits | 86.8339% | 2,205 |
| Net loans and leases to core deposits | 93.3501% | 2,317 |
| Total domestic deposits to total assets | 84.7471% | 2,819 |
| Equity capital to assets | 8.9605% | 4,945 |
| Core capital (leverage) ratio | 9.8043% | 3,814 |
| Tier 1 risk-based capital ratio | 14.8822% | 2,968 |
| Total risk-based capital ratio | 16.1383% | 2,897 |
| Memoranda: | ||
| Average total assets | $349,308,750 | 1,931 |
| Average earning assets | $329,109,750 | 1,911 |
| Average equity | $31,271,250 | 2,284 |
| Average total loans | $253,758,250 | 1,805 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9003% | 3,545 |
| Cost of funding earning assets | 0.5133% | 2,068 |
| Net interest margin | 3.3870% | 3,820 |
| Noninterest income to average assets | 0.8592% | 1,393 |
| Noninterest expense to average assets | 3.1342% | 1,754 |
| Loan and lease loss provision to assets | 0.0289% | 3,418 |
| Net operating income to assets | 0.6699% | 3,982 |
| Return on assets (ROA) | 0.7160% | 3,838 |
| Pretax return on assets | 0.9458% | 3,780 |
| Return on Equity (ROE) | 8.0003% | 3,036 |
| Retained earnings to average equity (ytd only) | 6.4906% | 1,850 |
| Net charge-offs to loans | 0.1782% | 1,114 |
| Credit loss provision to net charge-offs | 22.5225% | 2,769 |
| Earnings coverage of net charge-offs (x) | 7.1306% | 2,638 |
| Efficiency ratio | 77.4212% | 1,539 |
| Assets per employee ($millions) | 3.5586% | 4,637 |
| Cash dividends to net income (ytd only)* | 18.8710% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5872% | 1,290 |
| Loan loss allowance to noncurrent loans | 256.1052% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.5563% | 2,906 |
| Noncurrent loans to loans | 0.6198% | 2,875 |
| Net loans and leases to total assets | 71.9811% | 2,210 |
| Net loans and leases to deposits | 85.3149% | 2,309 |
| Net loans and leases to core deposits | 92.1629% | 2,325 |
| Total domestic deposits to total assets | 84.3710% | 3,062 |
| Equity capital to assets | 9.0536% | 4,851 |
| Core capital (leverage) ratio | 9.9242% | 3,628 |
| Tier 1 risk-based capital ratio | 15.4020% | 2,744 |
| Total risk-based capital ratio | 16.6589% | 2,682 |
| Memoranda: | ||
| Average total assets | $346,373,330 | 1,943 |
| Average earning assets | $326,127,330 | 1,926 |
| Average equity | $30,998,670 | 2,302 |
| Average total loans | $249,146,000 | 1,830 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8714% | 3,501 |
| Cost of funding earning assets | 0.5053% | 2,043 |
| Net interest margin | 3.3661% | 3,782 |
| Noninterest income to average assets | 0.8200% | 1,487 |
| Noninterest expense to average assets | 3.0552% | 1,998 |
| Loan and lease loss provision to assets | 0.0291% | 3,186 |
| Net operating income to assets | 0.6779% | 3,797 |
| Return on assets (ROA) | 0.6779% | 3,837 |
| Pretax return on assets | 0.9015% | 3,764 |
| Return on Equity (ROE) | 7.6203% | 3,106 |
| Retained earnings to average equity (ytd only) | 7.6203% | 1,604 |
| Net charge-offs to loans | 0.4035% | 456 |
| Credit loss provision to net charge-offs | 10.1215% | 2,224 |
| Earnings coverage of net charge-offs (x) | 3.2348% | 2,500 |
| Efficiency ratio | 76.6511% | 1,811 |
| Assets per employee ($millions) | 3.6088% | 4,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6232% | 1,325 |
| Loan loss allowance to noncurrent loans | 173.0193% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.8108% | 2,270 |
| Noncurrent loans to loans | 0.9382% | 2,167 |
| Net loans and leases to total assets | 70.6733% | 2,265 |
| Net loans and leases to deposits | 82.0113% | 2,508 |
| Net loans and leases to core deposits | 88.8062% | 2,472 |
| Total domestic deposits to total assets | 86.1750% | 2,591 |
| Equity capital to assets | 8.9296% | 4,875 |
| Core capital (leverage) ratio | 9.9747% | 3,531 |
| Tier 1 risk-based capital ratio | 15.6930% | 2,664 |
| Total risk-based capital ratio | 16.9507% | 2,605 |
| Memoranda: | ||
| Average total assets | $343,409,500 | 1,970 |
| Average earning assets | $322,982,500 | 1,951 |
| Average equity | $30,550,000 | 2,335 |
| Average total loans | $244,879,000 | 1,866 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9433% | 3,408 |
| Cost of funding earning assets | 0.5191% | 1,944 |
| Net interest margin | 3.4242% | 3,729 |
| Noninterest income to average assets | 0.9310% | 1,318 |
| Noninterest expense to average assets | 3.2876% | 1,602 |
| Loan and lease loss provision to assets | 0.0289% | 3,775 |
| Net operating income to assets | 0.6322% | 4,081 |
| Return on assets (ROA) | 0.6788% | 3,991 |
| Pretax return on assets | 0.8771% | 3,922 |
| Return on Equity (ROE) | 7.5418% | 3,197 |
| Retained earnings to average equity (ytd only) | 4.5880% | 2,651 |
| Net charge-offs to loans | 0.1147% | 2,110 |
| Credit loss provision to net charge-offs | 36.2595% | 3,533 |
| Earnings coverage of net charge-offs (x) | 10.5954% | 2,627 |
| Efficiency ratio | 79.5446% | 1,477 |
| Assets per employee ($millions) | 3.5456% | 4,687 |
| Cash dividends to net income (ytd only)* | 39.1655% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7694% | 1,001 |
| Loan loss allowance to noncurrent loans | 214.1709% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.7139% | 2,585 |
| Noncurrent loans to loans | 0.8262% | 2,459 |
| Net loans and leases to total assets | 69.5153% | 2,551 |
| Net loans and leases to deposits | 81.6715% | 2,706 |
| Net loans and leases to core deposits | 89.5552% | 2,543 |
| Total domestic deposits to total assets | 85.1158% | 2,998 |
| Equity capital to assets | 8.8620% | 4,956 |
| Core capital (leverage) ratio | 9.9589% | 3,536 |
| Tier 1 risk-based capital ratio | 15.7289% | 2,659 |
| Total risk-based capital ratio | 16.9882% | 2,578 |
| Memoranda: | ||
| Average total assets | $328,359,400 | 2,010 |
| Average earning assets | $307,049,600 | 1,999 |
| Average equity | $29,555,400 | 2,390 |
| Average total loans | $228,510,800 | 1,920 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9406% | 3,453 |
| Cost of funding earning assets | 0.5155% | 1,973 |
| Net interest margin | 3.4251% | 3,751 |
| Noninterest income to average assets | 0.9290% | 1,316 |
| Noninterest expense to average assets | 3.3837% | 1,374 |
| Loan and lease loss provision to assets | 0.0205% | 3,829 |
| Net operating income to assets | 0.5605% | 4,455 |
| Return on assets (ROA) | 0.6233% | 4,317 |
| Pretax return on assets | 0.8057% | 4,293 |
| Return on Equity (ROE) | 6.8970% | 3,613 |
| Retained earnings to average equity (ytd only) | 5.8405% | 2,274 |
| Net charge-offs to loans | 0.1372% | 1,611 |
| Credit loss provision to net charge-offs | 21.5517% | 3,285 |
| Earnings coverage of net charge-offs (x) | 7.8318% | 2,837 |
| Efficiency ratio | 81.9635% | 1,194 |
| Assets per employee ($millions) | 3.4945% | 4,784 |
| Cash dividends to net income (ytd only)* | 15.3189% | 3,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8195% | 980 |
| Loan loss allowance to noncurrent loans | 176.6639% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.8200% | 2,498 |
| Noncurrent loans to loans | 1.0299% | 2,188 |
| Net loans and leases to total assets | 68.3119% | 2,754 |
| Net loans and leases to deposits | 80.6173% | 2,896 |
| Net loans and leases to core deposits | 88.7962% | 2,683 |
| Total domestic deposits to total assets | 84.7360% | 2,923 |
| Equity capital to assets | 8.9960% | 5,181 |
| Core capital (leverage) ratio | 10.1603% | 3,371 |
| Tier 1 risk-based capital ratio | 16.3270% | 2,482 |
| Total risk-based capital ratio | 17.5874% | 2,435 |
| Memoranda: | ||
| Average total assets | $325,355,750 | 2,035 |
| Average earning assets | $303,906,750 | 2,022 |
| Average equity | $29,403,250 | 2,413 |
| Average total loans | $225,420,000 | 1,946 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9817% | 3,305 |
| Cost of funding earning assets | 0.5135% | 1,997 |
| Net interest margin | 3.4681% | 3,620 |
| Noninterest income to average assets | 0.8808% | 1,437 |
| Noninterest expense to average assets | 3.3884% | 1,399 |
| Loan and lease loss provision to assets | 0.0130% | 3,843 |
| Net operating income to assets | 0.5511% | 4,478 |
| Return on assets (ROA) | 0.6000% | 4,389 |
| Pretax return on assets | 0.7721% | 4,382 |
| Return on Equity (ROE) | 6.6290% | 3,734 |
| Retained earnings to average equity (ytd only) | 5.0301% | 2,721 |
| Net charge-offs to loans | 0.1589% | 1,379 |
| Credit loss provision to net charge-offs | 11.8644% | 2,987 |
| Earnings coverage of net charge-offs (x) | 6.5706% | 2,723 |
| Efficiency ratio | 82.4267% | 1,221 |
| Assets per employee ($millions) | 3.3094% | 5,049 |
| Cash dividends to net income (ytd only)* | 24.1201% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8867% | 916 |
| Loan loss allowance to noncurrent loans | 207.5765% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.8204% | 2,541 |
| Noncurrent loans to loans | 0.9089% | 2,467 |
| Net loans and leases to total assets | 67.8362% | 2,803 |
| Net loans and leases to deposits | 80.3072% | 2,891 |
| Net loans and leases to core deposits | 87.0509% | 2,809 |
| Total domestic deposits to total assets | 84.4708% | 3,102 |
| Equity capital to assets | 9.0763% | 5,187 |
| Core capital (leverage) ratio | 10.1719% | 3,364 |
| Tier 1 risk-based capital ratio | 16.3569% | 2,480 |
| Total risk-based capital ratio | 17.6177% | 2,424 |
| Memoranda: | ||
| Average total assets | $321,984,330 | 2,067 |
| Average earning assets | $299,874,000 | 2,056 |
| Average equity | $29,144,670 | 2,436 |
| Average total loans | $222,755,670 | 1,965 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0160% | 3,169 |
| Cost of funding earning assets | 0.5067% | 2,052 |
| Net interest margin | 3.5093% | 3,437 |
| Noninterest income to average assets | 0.8635% | 1,402 |
| Noninterest expense to average assets | 3.4303% | 1,318 |
| Loan and lease loss provision to assets | 0.0138% | 3,512 |
| Net operating income to assets | 0.5377% | 4,475 |
| Return on assets (ROA) | 0.5565% | 4,489 |
| Pretax return on assets | 0.7069% | 4,505 |
| Return on Equity (ROE) | 6.1563% | 3,901 |
| Retained earnings to average equity (ytd only) | 6.1563% | 2,302 |
| Net charge-offs to loans | 0.0272% | 2,394 |
| Credit loss provision to net charge-offs | 73.3333% | 1,886 |
| Earnings coverage of net charge-offs (x) | 37.0667% | 1,058 |
| Efficiency ratio | 83.1157% | 1,249 |
| Assets per employee ($millions) | 3.3534% | 5,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0071% | 812 |
| Loan loss allowance to noncurrent loans | 226.6906% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.8297% | 2,617 |
| Noncurrent loans to loans | 0.8854% | 2,630 |
| Net loans and leases to total assets | 67.1083% | 2,796 |
| Net loans and leases to deposits | 79.4044% | 2,872 |
| Net loans and leases to core deposits | 85.3398% | 2,810 |
| Total domestic deposits to total assets | 84.5146% | 3,312 |
| Equity capital to assets | 9.0843% | 5,095 |
| Core capital (leverage) ratio | 10.2370% | 3,276 |
| Tier 1 risk-based capital ratio | 16.3162% | 2,554 |
| Total risk-based capital ratio | 17.5779% | 2,502 |
| Memoranda: | ||
| Average total assets | $319,159,000 | 2,089 |
| Average earning assets | $296,810,000 | 2,077 |
| Average equity | $28,848,500 | 2,447 |
| Average total loans | $220,869,000 | 1,980 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0459% | 3,135 |
| Cost of funding earning assets | 0.4715% | 2,428 |
| Net interest margin | 3.5744% | 3,228 |
| Noninterest income to average assets | 0.8505% | 1,605 |
| Noninterest expense to average assets | 3.3120% | 1,694 |
| Loan and lease loss provision to assets | 0.0589% | 3,134 |
| Net operating income to assets | 0.6345% | 4,115 |
| Return on assets (ROA) | 0.6580% | 4,095 |
| Pretax return on assets | 0.8375% | 4,079 |
| Return on Equity (ROE) | 7.1558% | 3,424 |
| Retained earnings to average equity (ytd only) | 4.8901% | 2,500 |
| Net charge-offs to loans | 0.3854% | 748 |
| Credit loss provision to net charge-offs | 22.8931% | 3,724 |
| Earnings coverage of net charge-offs (x) | 3.3698% | 3,740 |
| Efficiency ratio | 79.2599% | 1,784 |
| Assets per employee ($millions) | 3.2617% | 5,206 |
| Cash dividends to net income (ytd only)* | 31.6618% | 3,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0016% | 798 |
| Loan loss allowance to noncurrent loans | 198.0769% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 1.1356% | 1,929 |
| Noncurrent loans to loans | 1.0105% | 2,322 |
| Net loans and leases to total assets | 68.5368% | 2,619 |
| Net loans and leases to deposits | 84.2138% | 2,335 |
| Net loans and leases to core deposits | 90.6819% | 2,348 |
| Total domestic deposits to total assets | 81.3843% | 4,379 |
| Equity capital to assets | 8.9927% | 5,130 |
| Core capital (leverage) ratio | 10.2002% | 3,263 |
| Tier 1 risk-based capital ratio | 16.1837% | 2,608 |
| Total risk-based capital ratio | 17.4459% | 2,564 |
| Memoranda: | ||
| Average total assets | $309,119,200 | 2,097 |
| Average earning assets | $287,820,600 | 2,086 |
| Average equity | $28,424,600 | 2,426 |
| Average total loans | $206,296,200 | 2,015 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0259% | 3,232 |
| Cost of funding earning assets | 0.4658% | 2,527 |
| Net interest margin | 3.5601% | 3,303 |
| Noninterest income to average assets | 0.8148% | 1,752 |
| Noninterest expense to average assets | 3.2358% | 1,865 |
| Loan and lease loss provision to assets | 0.0651% | 2,885 |
| Net operating income to assets | 0.6209% | 4,279 |
| Return on assets (ROA) | 0.6395% | 4,302 |
| Pretax return on assets | 0.8586% | 4,140 |
| Return on Equity (ROE) | 6.8693% | 3,694 |
| Retained earnings to average equity (ytd only) | 5.8161% | 2,360 |
| Net charge-offs to loans | 0.1586% | 1,556 |
| Credit loss provision to net charge-offs | 62.2407% | 2,885 |
| Earnings coverage of net charge-offs (x) | 8.5932% | 2,791 |
| Efficiency ratio | 78.2663% | 1,911 |
| Assets per employee ($millions) | 3.1860% | 5,321 |
| Cash dividends to net income (ytd only)* | 15.3327% | 3,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3105% | 568 |
| Loan loss allowance to noncurrent loans | 128.8987% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 1.3529% | 1,721 |
| Noncurrent loans to loans | 1.7925% | 1,327 |
| Net loans and leases to total assets | 67.7353% | 2,722 |
| Net loans and leases to deposits | 86.0393% | 2,131 |
| Net loans and leases to core deposits | 92.1709% | 2,243 |
| Total domestic deposits to total assets | 78.7260% | 5,046 |
| Equity capital to assets | 9.4229% | 4,854 |
| Core capital (leverage) ratio | 10.3268% | 3,225 |
| Tier 1 risk-based capital ratio | 16.6211% | 2,514 |
| Total risk-based capital ratio | 17.8881% | 2,468 |
| Memoranda: | ||
| Average total assets | $307,307,500 | 2,121 |
| Average earning assets | $286,540,250 | 2,103 |
| Average equity | $28,609,500 | 2,428 |
| Average total loans | $202,552,250 | 2,065 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0184% | 3,211 |
| Cost of funding earning assets | 0.4671% | 2,542 |
| Net interest margin | 3.5513% | 3,283 |
| Noninterest income to average assets | 0.7968% | 1,792 |
| Noninterest expense to average assets | 3.1350% | 2,153 |
| Loan and lease loss provision to assets | 0.1076% | 2,032 |
| Net operating income to assets | 0.7238% | 3,771 |
| Return on assets (ROA) | 0.7446% | 3,760 |
| Pretax return on assets | 0.8907% | 3,988 |
| Return on Equity (ROE) | 8.0312% | 3,036 |
| Retained earnings to average equity (ytd only) | 6.4419% | 1,980 |
| Net charge-offs to loans | 0.1138% | 1,869 |
| Credit loss provision to net charge-offs | 146.0177% | 1,563 |
| Earnings coverage of net charge-offs (x) | 13.2124% | 2,152 |
| Efficiency ratio | 76.3053% | 2,307 |
| Assets per employee ($millions) | 3.4102% | 4,963 |
| Cash dividends to net income (ytd only)* | 19.7898% | 3,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4891% | 490 |
| Loan loss allowance to noncurrent loans | 128.6689% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 1.4278% | 1,751 |
| Noncurrent loans to loans | 1.9345% | 1,287 |
| Net loans and leases to total assets | 64.3054% | 3,226 |
| Net loans and leases to deposits | 82.1849% | 2,531 |
| Net loans and leases to core deposits | 88.3971% | 2,517 |
| Total domestic deposits to total assets | 78.2448% | 5,224 |
| Equity capital to assets | 9.1522% | 5,083 |
| Core capital (leverage) ratio | 10.3609% | 3,133 |
| Tier 1 risk-based capital ratio | 16.7226% | 2,514 |
| Total risk-based capital ratio | 17.9900% | 2,459 |
| Memoranda: | ||
| Average total assets | $306,728,670 | 2,143 |
| Average earning assets | $286,037,000 | 2,122 |
| Average equity | $28,439,000 | 2,457 |
| Average total loans | $198,642,000 | 2,098 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0335% | 3,108 |
| Cost of funding earning assets | 0.4680% | 2,581 |
| Net interest margin | 3.5655% | 3,150 |
| Noninterest income to average assets | 0.7254% | 2,044 |
| Noninterest expense to average assets | 3.0512% | 2,424 |
| Loan and lease loss provision to assets | 0.2060% | 878 |
| Net operating income to assets | 0.6852% | 3,870 |
| Return on assets (ROA) | 0.7280% | 3,791 |
| Pretax return on assets | 0.8461% | 4,077 |
| Return on Equity (ROE) | 7.8011% | 3,065 |
| Retained earnings to average equity (ytd only) | 7.8011% | 1,642 |
| Net charge-offs to loans | 0.1738% | 1,231 |
| Credit loss provision to net charge-offs | 184.7059% | 1,106 |
| Earnings coverage of net charge-offs (x) | 8.9882% | 2,046 |
| Efficiency ratio | 75.2751% | 2,614 |
| Assets per employee ($millions) | 3.4502% | 4,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5824% | 471 |
| Loan loss allowance to noncurrent loans | 123.1103% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 1.4606% | 1,803 |
| Noncurrent loans to loans | 2.0976% | 1,230 |
| Net loans and leases to total assets | 62.8272% | 3,256 |
| Net loans and leases to deposits | 78.8134% | 2,703 |
| Net loans and leases to core deposits | 84.8780% | 2,671 |
| Total domestic deposits to total assets | 79.7164% | 5,119 |
| Equity capital to assets | 9.3902% | 4,867 |
| Core capital (leverage) ratio | 9.8078% | 3,879 |
| Tier 1 risk-based capital ratio | 16.5911% | 2,645 |
| Total risk-based capital ratio | 17.8609% | 2,583 |
| Memoranda: | ||
| Average total assets | $304,928,000 | 2,167 |
| Average earning assets | $284,615,500 | 2,145 |
| Average equity | $28,457,500 | 2,468 |
| Average total loans | $195,636,500 | 2,121 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2227% | 2,874 |
| Cost of funding earning assets | 0.5359% | 2,328 |
| Net interest margin | 3.6868% | 3,057 |
| Noninterest income to average assets | 0.7610% | 2,032 |
| Noninterest expense to average assets | 3.1948% | 2,228 |
| Loan and lease loss provision to assets | 0.2653% | 832 |
| Net operating income to assets | 0.6017% | 4,354 |
| Return on assets (ROA) | 0.6325% | 4,331 |
| Pretax return on assets | 0.7703% | 4,365 |
| Return on Equity (ROE) | 6.5298% | 3,882 |
| Retained earnings to average equity (ytd only) | 4.0260% | 3,345 |
| Net charge-offs to loans | 0.3781% | 1,138 |
| Credit loss provision to net charge-offs | 110.3152% | 2,162 |
| Earnings coverage of net charge-offs (x) | 4.1504% | 3,727 |
| Efficiency ratio | 76.1975% | 2,479 |
| Assets per employee ($millions) | 3.4408% | 4,988 |
| Cash dividends to net income (ytd only)* | 38.3442% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6092% | 479 |
| Loan loss allowance to noncurrent loans | 136.7507% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 1.3600% | 2,052 |
| Noncurrent loans to loans | 1.9080% | 1,481 |
| Net loans and leases to total assets | 62.1540% | 3,478 |
| Net loans and leases to deposits | 78.9824% | 2,836 |
| Net loans and leases to core deposits | 85.2464% | 2,757 |
| Total domestic deposits to total assets | 78.6935% | 5,312 |
| Equity capital to assets | 9.2738% | 4,975 |
| Core capital (leverage) ratio | 10.0435% | 3,514 |
| Tier 1 risk-based capital ratio | 17.4091% | 2,349 |
| Total risk-based capital ratio | 18.6801% | 2,306 |
| Memoranda: | ||
| Average total assets | $290,287,800 | 2,212 |
| Average earning assets | $270,204,400 | 2,195 |
| Average equity | $28,117,200 | 2,399 |
| Average total loans | $184,614,200 | 2,174 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2377% | 2,850 |
| Cost of funding earning assets | 0.5464% | 2,325 |
| Net interest margin | 3.6913% | 3,065 |
| Noninterest income to average assets | 0.7926% | 1,922 |
| Noninterest expense to average assets | 3.1981% | 2,183 |
| Loan and lease loss provision to assets | 0.2855% | 706 |
| Net operating income to assets | 0.5906% | 4,478 |
| Return on assets (ROA) | 0.5887% | 4,580 |
| Pretax return on assets | 0.7410% | 4,557 |
| Return on Equity (ROE) | 6.0108% | 4,227 |
| Retained earnings to average equity (ytd only) | 4.9347% | 3,122 |
| Net charge-offs to loans | 0.3661% | 1,094 |
| Credit loss provision to net charge-offs | 122.7545% | 1,876 |
| Earnings coverage of net charge-offs (x) | 4.4232% | 3,463 |
| Efficiency ratio | 75.6591% | 2,544 |
| Assets per employee ($millions) | 3.4270% | 5,004 |
| Cash dividends to net income (ytd only)* | 17.9023% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6902% | 494 |
| Loan loss allowance to noncurrent loans | 115.2051% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 1.6127% | 1,880 |
| Noncurrent loans to loans | 2.3352% | 1,279 |
| Net loans and leases to total assets | 62.3958% | 3,429 |
| Net loans and leases to deposits | 76.6377% | 3,112 |
| Net loans and leases to core deposits | 82.8827% | 3,017 |
| Total domestic deposits to total assets | 81.4166% | 4,690 |
| Equity capital to assets | 9.8957% | 4,306 |
| Core capital (leverage) ratio | 10.2150% | 3,394 |
| Tier 1 risk-based capital ratio | 17.7950% | 2,275 |
| Total risk-based capital ratio | 19.0678% | 2,233 |
| Memoranda: | ||
| Average total assets | $287,162,250 | 2,241 |
| Average earning assets | $267,179,750 | 2,228 |
| Average equity | $28,126,500 | 2,412 |
| Average total loans | $182,458,250 | 2,211 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2751% | 2,685 |
| Cost of funding earning assets | 0.5582% | 2,279 |
| Net interest margin | 3.7169% | 2,894 |
| Noninterest income to average assets | 0.7919% | 1,868 |
| Noninterest expense to average assets | 3.1886% | 2,229 |
| Loan and lease loss provision to assets | 0.3232% | 584 |
| Net operating income to assets | 0.6008% | 4,350 |
| Return on assets (ROA) | 0.5979% | 4,459 |
| Pretax return on assets | 0.7293% | 4,536 |
| Return on Equity (ROE) | 6.1266% | 4,087 |
| Retained earnings to average equity (ytd only) | 4.4924% | 3,315 |
| Net charge-offs to loans | 0.3805% | 1,061 |
| Credit loss provision to net charge-offs | 134.1108% | 1,577 |
| Earnings coverage of net charge-offs (x) | 4.3819% | 3,120 |
| Efficiency ratio | 75.1200% | 2,790 |
| Assets per employee ($millions) | 3.3273% | 5,207 |
| Cash dividends to net income (ytd only)* | 26.6745% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7886% | 478 |
| Loan loss allowance to noncurrent loans | 122.7262% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 1.5768% | 2,070 |
| Noncurrent loans to loans | 2.2722% | 1,432 |
| Net loans and leases to total assets | 61.9734% | 3,412 |
| Net loans and leases to deposits | 74.6220% | 3,252 |
| Net loans and leases to core deposits | 80.6785% | 3,134 |
| Total domestic deposits to total assets | 83.0498% | 4,285 |
| Equity capital to assets | 9.9720% | 4,143 |
| Core capital (leverage) ratio | 10.3618% | 3,124 |
| Tier 1 risk-based capital ratio | 18.0664% | 2,221 |
| Total risk-based capital ratio | 19.3394% | 2,178 |
| Memoranda: | ||
| Average total assets | $284,641,330 | 2,257 |
| Average earning assets | $264,414,330 | 2,249 |
| Average equity | $27,780,330 | 2,425 |
| Average total loans | $180,284,330 | 2,231 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2190% | 2,803 |
| Cost of funding earning assets | 0.5726% | 2,223 |
| Net interest margin | 3.6464% | 3,075 |
| Noninterest income to average assets | 0.7609% | 1,907 |
| Noninterest expense to average assets | 3.1238% | 2,465 |
| Loan and lease loss provision to assets | 0.3241% | 566 |
| Net operating income to assets | 0.5807% | 4,293 |
| Return on assets (ROA) | 0.5058% | 4,748 |
| Pretax return on assets | 0.6059% | 4,810 |
| Return on Equity (ROE) | 5.2403% | 4,429 |
| Retained earnings to average equity (ytd only) | 5.2403% | 2,973 |
| Net charge-offs to loans | 0.3013% | 1,162 |
| Credit loss provision to net charge-offs | 170.3704% | 1,161 |
| Earnings coverage of net charge-offs (x) | 5.3630% | 2,380 |
| Efficiency ratio | 75.3825% | 2,892 |
| Assets per employee ($millions) | 3.4151% | 5,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8202% | 527 |
| Loan loss allowance to noncurrent loans | 101.0980% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 1.9372% | 1,775 |
| Noncurrent loans to loans | 2.7896% | 1,195 |
| Net loans and leases to total assets | 61.5623% | 3,303 |
| Net loans and leases to deposits | 72.4492% | 3,279 |
| Net loans and leases to core deposits | 78.5250% | 3,145 |
| Total domestic deposits to total assets | 84.9731% | 3,881 |
| Equity capital to assets | 9.8617% | 4,014 |
| Core capital (leverage) ratio | 10.4668% | 2,971 |
| Tier 1 risk-based capital ratio | 18.5465% | 2,111 |
| Total risk-based capital ratio | 19.8206% | 2,068 |
| Memoranda: | ||
| Average total assets | $283,887,000 | 2,268 |
| Average earning assets | $263,381,500 | 2,263 |
| Average equity | $27,403,000 | 2,447 |
| Average total loans | $179,214,500 | 2,239 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2813% | 3,031 |
| Cost of funding earning assets | 0.6948% | 1,854 |
| Net interest margin | 3.5865% | 3,518 |
| Noninterest income to average assets | 0.8268% | 1,954 |
| Noninterest expense to average assets | 3.2206% | 2,356 |
| Loan and lease loss provision to assets | 0.3258% | 1,002 |
| Net operating income to assets | 0.5244% | 4,619 |
| Return on assets (ROA) | 0.5522% | 4,626 |
| Pretax return on assets | 0.6317% | 4,766 |
| Return on Equity (ROE) | 5.7067% | 4,267 |
| Retained earnings to average equity (ytd only) | 2.5535% | 4,433 |
| Net charge-offs to loans | 1.9719% | 195 |
| Credit loss provision to net charge-offs | 26.8093% | 4,317 |
| Earnings coverage of net charge-offs (x) | 0.7615% | 4,836 |
| Efficiency ratio | 77.6795% | 2,517 |
| Assets per employee ($millions) | 3.4256% | 5,031 |
| Cash dividends to net income (ytd only)* | 55.2547% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7786% | 618 |
| Loan loss allowance to noncurrent loans | 90.5282% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 2.0952% | 1,709 |
| Noncurrent loans to loans | 3.0693% | 1,124 |
| Net loans and leases to total assets | 61.1614% | 3,506 |
| Net loans and leases to deposits | 73.7104% | 3,305 |
| Net loans and leases to core deposits | 80.0781% | 3,124 |
| Total domestic deposits to total assets | 82.9753% | 4,553 |
| Equity capital to assets | 9.4445% | 4,499 |
| Core capital (leverage) ratio | 10.3131% | 3,134 |
| Tier 1 risk-based capital ratio | 18.1407% | 2,202 |
| Total risk-based capital ratio | 19.4136% | 2,156 |
| Memoranda: | ||
| Average total assets | $280,851,600 | 2,268 |
| Average earning assets | $259,920,200 | 2,249 |
| Average equity | $27,178,600 | 2,442 |
| Average total loans | $173,083,800 | 2,268 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2662% | 3,136 |
| Cost of funding earning assets | 0.7127% | 1,866 |
| Net interest margin | 3.5534% | 3,639 |
| Noninterest income to average assets | 0.8262% | 2,027 |
| Noninterest expense to average assets | 3.1144% | 2,608 |
| Loan and lease loss provision to assets | 0.4333% | 666 |
| Net operating income to assets | 0.4900% | 4,837 |
| Return on assets (ROA) | 0.5091% | 4,919 |
| Pretax return on assets | 0.5862% | 5,071 |
| Return on Equity (ROE) | 5.2285% | 4,611 |
| Retained earnings to average equity (ytd only) | 3.1254% | 4,449 |
| Net charge-offs to loans | 1.5257% | 298 |
| Credit loss provision to net charge-offs | 46.3340% | 3,591 |
| Earnings coverage of net charge-offs (x) | 1.0667% | 4,490 |
| Efficiency ratio | 75.7383% | 2,764 |
| Assets per employee ($millions) | 3.2812% | 5,321 |
| Cash dividends to net income (ytd only)* | 40.2245% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6711% | 291 |
| Loan loss allowance to noncurrent loans | 80.7097% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 3.0523% | 1,209 |
| Noncurrent loans to loans | 4.5485% | 707 |
| Net loans and leases to total assets | 59.6431% | 3,753 |
| Net loans and leases to deposits | 68.9793% | 3,937 |
| Net loans and leases to core deposits | 75.2013% | 3,710 |
| Total domestic deposits to total assets | 86.4651% | 2,981 |
| Equity capital to assets | 9.4109% | 4,659 |
| Core capital (leverage) ratio | 10.2785% | 3,275 |
| Tier 1 risk-based capital ratio | 17.8615% | 2,370 |
| Total risk-based capital ratio | 19.1486% | 2,322 |
| Memoranda: | ||
| Average total assets | $279,983,750 | 2,275 |
| Average earning assets | $258,898,500 | 2,264 |
| Average equity | $27,260,000 | 2,459 |
| Average total loans | $171,638,250 | 2,291 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2519% | 3,147 |
| Cost of funding earning assets | 0.7310% | 1,835 |
| Net interest margin | 3.5210% | 3,695 |
| Noninterest income to average assets | 0.7993% | 2,188 |
| Noninterest expense to average assets | 3.0596% | 2,799 |
| Loan and lease loss provision to assets | 0.4369% | 671 |
| Net operating income to assets | 0.5385% | 4,621 |
| Return on assets (ROA) | 0.5701% | 4,625 |
| Pretax return on assets | 0.5959% | 5,027 |
| Return on Equity (ROE) | 5.7902% | 4,298 |
| Retained earnings to average equity (ytd only) | 2.6623% | 4,611 |
| Net charge-offs to loans | 0.4630% | 1,425 |
| Credit loss provision to net charge-offs | 154.4304% | 1,497 |
| Earnings coverage of net charge-offs (x) | 3.5342% | 3,369 |
| Efficiency ratio | 75.3705% | 2,885 |
| Assets per employee ($millions) | 3.1890% | 5,505 |
| Cash dividends to net income (ytd only)* | 54.0201% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4905% | 176 |
| Loan loss allowance to noncurrent loans | 74.8757% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 3.9425% | 888 |
| Noncurrent loans to loans | 5.9973% | 473 |
| Net loans and leases to total assets | 58.8996% | 3,842 |
| Net loans and leases to deposits | 68.0545% | 4,002 |
| Net loans and leases to core deposits | 74.2342% | 3,775 |
| Total domestic deposits to total assets | 86.5477% | 3,094 |
| Equity capital to assets | 9.4961% | 4,585 |
| Core capital (leverage) ratio | 10.1166% | 3,339 |
| Tier 1 risk-based capital ratio | 17.7284% | 2,427 |
| Total risk-based capital ratio | 19.0226% | 2,371 |
| Memoranda: | ||
| Average total assets | $279,251,000 | 2,294 |
| Average earning assets | $258,565,000 | 2,277 |
| Average equity | $27,494,670 | 2,452 |
| Average total loans | $170,612,330 | 2,305 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2870% | 2,940 |
| Cost of funding earning assets | 0.7640% | 1,757 |
| Net interest margin | 3.5229% | 3,607 |
| Noninterest income to average assets | 0.7710% | 2,252 |
| Noninterest expense to average assets | 3.0597% | 2,807 |
| Loan and lease loss provision to assets | 0.4355% | 674 |
| Net operating income to assets | 0.5151% | 4,586 |
| Return on assets (ROA) | 0.5354% | 4,661 |
| Pretax return on assets | 0.5625% | 5,071 |
| Return on Equity (ROE) | 5.3440% | 4,371 |
| Retained earnings to average equity (ytd only) | 5.3440% | 3,027 |
| Net charge-offs to loans | 0.2371% | 2,027 |
| Credit loss provision to net charge-offs | 301.9802% | 787 |
| Earnings coverage of net charge-offs (x) | 6.7723% | 2,162 |
| Efficiency ratio | 75.8047% | 2,956 |
| Assets per employee ($millions) | 3.3537% | 5,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5186% | 192 |
| Loan loss allowance to noncurrent loans | 74.2404% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 3.8638% | 1,061 |
| Noncurrent loans to loans | 6.0864% | 541 |
| Net loans and leases to total assets | 58.2409% | 3,752 |
| Net loans and leases to deposits | 66.7826% | 3,940 |
| Net loans and leases to core deposits | 73.0983% | 3,694 |
| Total domestic deposits to total assets | 87.2098% | 2,826 |
| Equity capital to assets | 10.1274% | 3,979 |
| Core capital (leverage) ratio | 10.0834% | 3,292 |
| Tier 1 risk-based capital ratio | 17.5655% | 2,535 |
| Total risk-based capital ratio | 18.8589% | 2,483 |
| Memoranda: | ||
| Average total assets | $280,156,500 | 2,313 |
| Average earning assets | $259,671,000 | 2,290 |
| Average equity | $28,069,000 | 2,437 |
| Average total loans | $170,371,500 | 2,316 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6740% | 2,691 |
| Cost of funding earning assets | 0.8952% | 1,964 |
| Net interest margin | 3.7788% | 3,321 |
| Noninterest income to average assets | 0.8080% | 2,230 |
| Noninterest expense to average assets | 3.0654% | 3,027 |
| Loan and lease loss provision to assets | 0.7783% | 633 |
| Net operating income to assets | 0.4066% | 5,077 |
| Return on assets (ROA) | 0.5519% | 4,719 |
| Pretax return on assets | 0.6228% | 4,921 |
| Return on Equity (ROE) | 5.5620% | 4,393 |
| Retained earnings to average equity (ytd only) | 3.8945% | 3,454 |
| Net charge-offs to loans | 0.6715% | 1,755 |
| Credit loss provision to net charge-offs | 186.2039% | 1,404 |
| Earnings coverage of net charge-offs (x) | 2.9614% | 3,945 |
| Efficiency ratio | 71.2360% | 3,581 |
| Assets per employee ($millions) | 3.2786% | 5,459 |
| Cash dividends to net income (ytd only)* | 29.9805% | 3,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3684% | 214 |
| Loan loss allowance to noncurrent loans | 81.2004% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 3.4771% | 1,306 |
| Noncurrent loans to loans | 5.3798% | 698 |
| Net loans and leases to total assets | 57.9825% | 3,986 |
| Net loans and leases to deposits | 66.4625% | 4,211 |
| Net loans and leases to core deposits | 74.4955% | 3,721 |
| Total domestic deposits to total assets | 87.2411% | 2,678 |
| Equity capital to assets | 9.9121% | 4,290 |
| Core capital (leverage) ratio | 10.0298% | 3,358 |
| Tier 1 risk-based capital ratio | 17.2176% | 2,549 |
| Total risk-based capital ratio | 18.5085% | 2,514 |
| Memoranda: | ||
| Average total assets | $279,209,800 | 2,278 |
| Average earning assets | $258,257,800 | 2,259 |
| Average equity | $27,706,000 | 2,424 |
| Average total loans | $173,788,400 | 2,272 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7269% | 2,681 |
| Cost of funding earning assets | 0.9154% | 2,070 |
| Net interest margin | 3.8115% | 3,286 |
| Noninterest income to average assets | 0.7975% | 2,254 |
| Noninterest expense to average assets | 3.1733% | 2,653 |
| Loan and lease loss provision to assets | 0.7468% | 666 |
| Net operating income to assets | 0.3495% | 5,432 |
| Return on assets (ROA) | 0.5294% | 4,981 |
| Pretax return on assets | 0.6127% | 5,128 |
| Return on Equity (ROE) | 5.3341% | 4,673 |
| Retained earnings to average equity (ytd only) | 4.2200% | 3,923 |
| Net charge-offs to loans | 0.7755% | 1,425 |
| Credit loss provision to net charge-offs | 153.6946% | 1,833 |
| Earnings coverage of net charge-offs (x) | 2.3675% | 4,092 |
| Efficiency ratio | 73.3946% | 3,083 |
| Assets per employee ($millions) | 3.2729% | 5,498 |
| Cash dividends to net income (ytd only)* | 20.8859% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0603% | 291 |
| Loan loss allowance to noncurrent loans | 77.9422% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 3.4427% | 1,462 |
| Noncurrent loans to loans | 5.2094% | 848 |
| Net loans and leases to total assets | 58.8227% | 3,991 |
| Net loans and leases to deposits | 66.9501% | 4,343 |
| Net loans and leases to core deposits | 74.7363% | 3,886 |
| Total domestic deposits to total assets | 87.8604% | 2,122 |
| Equity capital to assets | 10.0086% | 4,484 |
| Core capital (leverage) ratio | 10.1203% | 3,373 |
| Tier 1 risk-based capital ratio | 17.2902% | 2,610 |
| Total risk-based capital ratio | 18.5777% | 2,561 |
| Memoranda: | ||
| Average total assets | $278,522,500 | 2,306 |
| Average earning assets | $257,670,500 | 2,278 |
| Average equity | $27,645,500 | 2,444 |
| Average total loans | $174,496,750 | 2,292 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8176% | 2,441 |
| Cost of funding earning assets | 0.9383% | 2,131 |
| Net interest margin | 3.8794% | 3,004 |
| Noninterest income to average assets | 0.7862% | 2,254 |
| Noninterest expense to average assets | 3.1282% | 2,821 |
| Loan and lease loss provision to assets | 0.7963% | 630 |
| Net operating income to assets | 0.3668% | 5,352 |
| Return on assets (ROA) | 0.6168% | 4,545 |
| Pretax return on assets | 0.7473% | 4,671 |
| Return on Equity (ROE) | 6.2322% | 4,191 |
| Retained earnings to average equity (ytd only) | 4.5504% | 3,578 |
| Net charge-offs to loans | 0.9946% | 1,116 |
| Credit loss provision to net charge-offs | 126.8657% | 2,166 |
| Earnings coverage of net charge-offs (x) | 1.9793% | 3,986 |
| Efficiency ratio | 71.5746% | 3,504 |
| Assets per employee ($millions) | 3.2363% | 5,583 |
| Cash dividends to net income (ytd only)* | 26.9860% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8535% | 382 |
| Loan loss allowance to noncurrent loans | 91.5379% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 2.9415% | 1,877 |
| Noncurrent loans to loans | 4.2097% | 1,296 |
| Net loans and leases to total assets | 60.0260% | 3,816 |
| Net loans and leases to deposits | 68.2928% | 4,153 |
| Net loans and leases to core deposits | 76.6300% | 3,703 |
| Total domestic deposits to total assets | 87.8951% | 2,214 |
| Equity capital to assets | 9.9746% | 4,370 |
| Core capital (leverage) ratio | 10.3098% | 3,037 |
| Tier 1 risk-based capital ratio | 17.7577% | 2,380 |
| Total risk-based capital ratio | 19.0433% | 2,338 |
| Memoranda: | ||
| Average total assets | $277,540,670 | 2,315 |
| Average earning assets | $256,432,670 | 2,294 |
| Average equity | $27,470,330 | 2,448 |
| Average total loans | $175,137,670 | 2,293 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7850% | 2,690 |
| Cost of funding earning assets | 0.9642% | 2,205 |
| Net interest margin | 3.8208% | 3,286 |
| Noninterest income to average assets | 0.7144% | 2,584 |
| Noninterest expense to average assets | 3.0915% | 2,941 |
| Loan and lease loss provision to assets | 0.9453% | 453 |
| Net operating income to assets | 0.1701% | 6,062 |
| Return on assets (ROA) | 0.5254% | 4,922 |
| Pretax return on assets | 0.6235% | 5,034 |
| Return on Equity (ROE) | 5.3286% | 4,627 |
| Retained earnings to average equity (ytd only) | 5.3286% | 3,360 |
| Net charge-offs to loans | 1.3400% | 762 |
| Credit loss provision to net charge-offs | 111.2054% | 2,112 |
| Earnings coverage of net charge-offs (x) | 1.3480% | 3,657 |
| Efficiency ratio | 72.9564% | 3,262 |
| Assets per employee ($millions) | 3.3972% | 5,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7287% | 454 |
| Loan loss allowance to noncurrent loans | 69.6320% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 3.8145% | 1,462 |
| Noncurrent loans to loans | 5.3548% | 1,012 |
| Net loans and leases to total assets | 60.5043% | 3,553 |
| Net loans and leases to deposits | 68.6818% | 3,927 |
| Net loans and leases to core deposits | 76.8373% | 3,496 |
| Total domestic deposits to total assets | 88.0936% | 2,254 |
| Equity capital to assets | 9.8090% | 4,359 |
| Core capital (leverage) ratio | 10.3112% | 2,980 |
| Tier 1 risk-based capital ratio | 17.5720% | 2,453 |
| Total risk-based capital ratio | 18.8565% | 2,409 |
| Memoranda: | ||
| Average total assets | $277,148,000 | 2,331 |
| Average earning assets | $255,550,000 | 2,320 |
| Average equity | $27,324,500 | 2,449 |
| Average total loans | $175,824,500 | 2,295 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1948% | 2,078 |
| Cost of funding earning assets | 1.1130% | 2,589 |
| Net interest margin | 4.0819% | 2,515 |
| Noninterest income to average assets | 0.7992% | 2,069 |
| Noninterest expense to average assets | 3.0557% | 3,370 |
| Loan and lease loss provision to assets | 0.8666% | 1,118 |
| Net operating income to assets | 0.5121% | 4,367 |
| Return on assets (ROA) | 0.7089% | 3,627 |
| Pretax return on assets | 0.9214% | 3,544 |
| Return on Equity (ROE) | 7.1830% | 3,314 |
| Retained earnings to average equity (ytd only) | 4.2326% | 3,170 |
| Net charge-offs to loans | 0.3463% | 3,669 |
| Credit loss provision to net charge-offs | 381.7891% | 611 |
| Earnings coverage of net charge-offs (x) | 6.7508% | 2,457 |
| Efficiency ratio | 66.1977% | 4,729 |
| Assets per employee ($millions) | 3.2824% | 5,546 |
| Cash dividends to net income (ytd only)* | 41.0742% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6597% | 480 |
| Loan loss allowance to noncurrent loans | 73.8514% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 3.5623% | 1,658 |
| Noncurrent loans to loans | 4.9555% | 1,141 |
| Net loans and leases to total assets | 61.6961% | 3,661 |
| Net loans and leases to deposits | 70.2833% | 4,048 |
| Net loans and leases to core deposits | 79.0005% | 3,572 |
| Total domestic deposits to total assets | 87.7820% | 2,290 |
| Equity capital to assets | 9.9099% | 4,292 |
| Core capital (leverage) ratio | 10.1534% | 3,162 |
| Tier 1 risk-based capital ratio | 17.4142% | 2,413 |
| Total risk-based capital ratio | 18.6980% | 2,368 |
| Memoranda: | ||
| Average total assets | $275,778,400 | 2,296 |
| Average earning assets | $255,986,200 | 2,260 |
| Average equity | $27,217,000 | 2,379 |
| Average total loans | $180,758,000 | 2,236 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2428% | 2,058 |
| Cost of funding earning assets | 1.1369% | 2,714 |
| Net interest margin | 4.1059% | 2,450 |
| Noninterest income to average assets | 0.7943% | 2,079 |
| Noninterest expense to average assets | 3.0119% | 3,517 |
| Loan and lease loss provision to assets | 0.9355% | 943 |
| Net operating income to assets | 0.4998% | 4,555 |
| Return on assets (ROA) | 0.7561% | 3,521 |
| Pretax return on assets | 1.0036% | 3,383 |
| Return on Equity (ROE) | 7.6692% | 3,193 |
| Retained earnings to average equity (ytd only) | 6.0363% | 2,538 |
| Net charge-offs to loans | 0.2963% | 3,610 |
| Credit loss provision to net charge-offs | 478.9604% | 583 |
| Earnings coverage of net charge-offs (x) | 8.1783% | 2,223 |
| Efficiency ratio | 64.8102% | 4,932 |
| Assets per employee ($millions) | 3.2444% | 5,586 |
| Cash dividends to net income (ytd only)* | 21.2916% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4641% | 585 |
| Loan loss allowance to noncurrent loans | 75.2567% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 3.2635% | 1,944 |
| Noncurrent loans to loans | 4.6031% | 1,402 |
| Net loans and leases to total assets | 62.9442% | 3,521 |
| Net loans and leases to deposits | 71.4606% | 4,074 |
| Net loans and leases to core deposits | 80.1608% | 3,612 |
| Total domestic deposits to total assets | 88.0824% | 1,997 |
| Equity capital to assets | 10.1945% | 4,091 |
| Core capital (leverage) ratio | 10.2656% | 3,117 |
| Tier 1 risk-based capital ratio | 17.5574% | 2,421 |
| Total risk-based capital ratio | 18.8400% | 2,376 |
| Memoranda: | ||
| Average total assets | $275,792,000 | 2,312 |
| Average earning assets | $256,245,500 | 2,276 |
| Average equity | $27,190,250 | 2,379 |
| Average total loans | $181,804,250 | 2,241 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3155% | 1,836 |
| Cost of funding earning assets | 1.1777% | 2,723 |
| Net interest margin | 4.1379% | 2,272 |
| Noninterest income to average assets | 0.7875% | 2,084 |
| Noninterest expense to average assets | 2.9979% | 3,651 |
| Loan and lease loss provision to assets | 0.6672% | 1,442 |
| Net operating income to assets | 0.6831% | 3,636 |
| Return on assets (ROA) | 0.7433% | 3,447 |
| Pretax return on assets | 1.0522% | 3,036 |
| Return on Equity (ROE) | 7.6258% | 3,133 |
| Retained earnings to average equity (ytd only) | 5.1484% | 2,911 |
| Net charge-offs to loans | 0.3080% | 3,334 |
| Credit loss provision to net charge-offs | 327.4021% | 931 |
| Earnings coverage of net charge-offs (x) | 8.0214% | 2,135 |
| Efficiency ratio | 63.9167% | 5,255 |
| Assets per employee ($millions) | 3.2788% | 5,464 |
| Cash dividends to net income (ytd only)* | 32.4878% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9567% | 932 |
| Loan loss allowance to noncurrent loans | 59.4188% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 3.5665% | 1,836 |
| Noncurrent loans to loans | 4.9760% | 1,315 |
| Net loans and leases to total assets | 63.6007% | 3,552 |
| Net loans and leases to deposits | 73.4861% | 3,878 |
| Net loans and leases to core deposits | 82.4885% | 3,435 |
| Total domestic deposits to total assets | 86.5480% | 3,012 |
| Equity capital to assets | 10.0337% | 4,100 |
| Core capital (leverage) ratio | 9.9687% | 3,298 |
| Tier 1 risk-based capital ratio | 17.1841% | 2,448 |
| Total risk-based capital ratio | 18.4596% | 2,418 |
| Memoranda: | ||
| Average total assets | $275,797,330 | 2,321 |
| Average earning assets | $256,268,000 | 2,287 |
| Average equity | $26,882,330 | 2,396 |
| Average total loans | $182,467,670 | 2,254 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4131% | 1,517 |
| Cost of funding earning assets | 1.2630% | 2,408 |
| Net interest margin | 4.1501% | 2,081 |
| Noninterest income to average assets | 0.7203% | 2,447 |
| Noninterest expense to average assets | 2.9335% | 3,927 |
| Loan and lease loss provision to assets | 0.6740% | 1,264 |
| Net operating income to assets | 0.7037% | 3,506 |
| Return on assets (ROA) | 0.8116% | 3,033 |
| Pretax return on assets | 1.1088% | 2,728 |
| Return on Equity (ROE) | 8.4509% | 2,718 |
| Retained earnings to average equity (ytd only) | 8.4509% | 1,571 |
| Net charge-offs to loans | 0.4492% | 2,352 |
| Credit loss provision to net charge-offs | 225.7282% | 1,351 |
| Earnings coverage of net charge-offs (x) | 5.4757% | 2,276 |
| Efficiency ratio | 63.3249% | 5,470 |
| Assets per employee ($millions) | 3.1607% | 5,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7163% | 1,192 |
| Loan loss allowance to noncurrent loans | 65.3096% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 3.1933% | 2,158 |
| Noncurrent loans to loans | 4.1592% | 1,727 |
| Net loans and leases to total assets | 64.5619% | 3,340 |
| Net loans and leases to deposits | 73.0457% | 3,914 |
| Net loans and leases to core deposits | 82.0186% | 3,453 |
| Total domestic deposits to total assets | 88.3856% | 2,152 |
| Equity capital to assets | 9.7401% | 4,123 |
| Core capital (leverage) ratio | 9.8891% | 3,287 |
| Tier 1 risk-based capital ratio | 16.9666% | 2,489 |
| Total risk-based capital ratio | 18.2394% | 2,453 |
| Memoranda: | ||
| Average total assets | $275,984,500 | 2,336 |
| Average earning assets | $255,900,000 | 2,306 |
| Average equity | $26,506,000 | 2,413 |
| Average total loans | $183,447,500 | 2,267 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5824% | 1,968 |
| Cost of funding earning assets | 1.7881% | 1,218 |
| Net interest margin | 3.7943% | 3,974 |
| Noninterest income to average assets | 0.7398% | 2,594 |
| Noninterest expense to average assets | 2.9961% | 3,860 |
| Loan and lease loss provision to assets | 0.6426% | 2,565 |
| Net operating income to assets | 0.5488% | 3,894 |
| Return on assets (ROA) | 0.5992% | 3,835 |
| Pretax return on assets | 0.6903% | 4,009 |
| Return on Equity (ROE) | 6.4692% | 3,364 |
| Retained earnings to average equity (ytd only) | 3.7435% | 3,247 |
| Net charge-offs to loans | 0.5324% | 3,486 |
| Credit loss provision to net charge-offs | 177.5610% | 1,872 |
| Earnings coverage of net charge-offs (x) | 3.5229% | 3,323 |
| Efficiency ratio | 69.2295% | 4,331 |
| Assets per employee ($millions) | 3.1476% | 5,777 |
| Cash dividends to net income (ytd only)* | 42.1332% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5476% | 1,354 |
| Loan loss allowance to noncurrent loans | 88.2585% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 2.4207% | 2,852 |
| Noncurrent loans to loans | 2.8865% | 2,636 |
| Net loans and leases to total assets | 64.8790% | 3,692 |
| Net loans and leases to deposits | 73.6485% | 4,251 |
| Net loans and leases to core deposits | 82.7618% | 3,783 |
| Total domestic deposits to total assets | 88.0928% | 2,194 |
| Equity capital to assets | 9.4693% | 4,444 |
| Core capital (leverage) ratio | 9.5148% | 3,689 |
| Tier 1 risk-based capital ratio | 16.2080% | 2,656 |
| Total risk-based capital ratio | 17.4777% | 2,603 |
| Memoranda: | ||
| Average total assets | $283,202,800 | 2,262 |
| Average earning assets | $263,577,800 | 2,225 |
| Average equity | $26,231,800 | 2,434 |
| Average total loans | $192,508,600 | 2,225 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6385% | 1,919 |
| Cost of funding earning assets | 1.8240% | 1,326 |
| Net interest margin | 3.8145% | 3,908 |
| Noninterest income to average assets | 0.7515% | 2,497 |
| Noninterest expense to average assets | 3.0037% | 3,728 |
| Loan and lease loss provision to assets | 0.6415% | 2,382 |
| Net operating income to assets | 0.5691% | 4,008 |
| Return on assets (ROA) | 0.6391% | 3,874 |
| Pretax return on assets | 0.7393% | 4,119 |
| Return on Equity (ROE) | 6.9378% | 3,374 |
| Retained earnings to average equity (ytd only) | 5.1131% | 2,907 |
| Net charge-offs to loans | 0.5517% | 3,102 |
| Credit loss provision to net charge-offs | 170.1863% | 2,184 |
| Earnings coverage of net charge-offs (x) | 3.4472% | 3,447 |
| Efficiency ratio | 68.8901% | 4,290 |
| Assets per employee ($millions) | 3.1959% | 5,684 |
| Cash dividends to net income (ytd only)* | 26.3002% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3399% | 1,565 |
| Loan loss allowance to noncurrent loans | 252.7149% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.9640% | 5,159 |
| Noncurrent loans to loans | 0.9259% | 5,389 |
| Net loans and leases to total assets | 66.3084% | 3,619 |
| Net loans and leases to deposits | 74.9548% | 4,346 |
| Net loans and leases to core deposits | 83.8066% | 3,974 |
| Total domestic deposits to total assets | 88.4645% | 1,688 |
| Equity capital to assets | 9.6936% | 4,555 |
| Core capital (leverage) ratio | 9.5722% | 3,803 |
| Tier 1 risk-based capital ratio | 15.9158% | 2,802 |
| Total risk-based capital ratio | 17.1828% | 2,739 |
| Memoranda: | ||
| Average total assets | $284,755,750 | 2,282 |
| Average earning assets | $265,124,750 | 2,248 |
| Average equity | $26,232,500 | 2,479 |
| Average total loans | $194,534,000 | 2,244 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6389% | 1,989 |
| Cost of funding earning assets | 1.8471% | 1,444 |
| Net interest margin | 3.7918% | 3,931 |
| Noninterest income to average assets | 0.7610% | 2,319 |
| Noninterest expense to average assets | 2.9644% | 3,841 |
| Loan and lease loss provision to assets | 0.6365% | 2,253 |
| Net operating income to assets | 0.5840% | 3,936 |
| Return on assets (ROA) | 0.6155% | 3,947 |
| Pretax return on assets | 0.7268% | 4,151 |
| Return on Equity (ROE) | 6.7982% | 3,394 |
| Retained earnings to average equity (ytd only) | 4.0248% | 3,521 |
| Net charge-offs to loans | 0.3893% | 3,420 |
| Credit loss provision to net charge-offs | 238.8451% | 1,612 |
| Earnings coverage of net charge-offs (x) | 4.9764% | 2,791 |
| Efficiency ratio | 68.1774% | 4,544 |
| Assets per employee ($millions) | 3.1425% | 5,809 |
| Cash dividends to net income (ytd only)* | 40.7955% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2862% | 1,610 |
| Loan loss allowance to noncurrent loans | 159.8269% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 1.1269% | 4,883 |
| Noncurrent loans to loans | 1.4304% | 4,563 |
| Net loans and leases to total assets | 66.9781% | 3,623 |
| Net loans and leases to deposits | 76.2335% | 4,291 |
| Net loans and leases to core deposits | 84.7280% | 4,033 |
| Total domestic deposits to total assets | 87.8591% | 2,075 |
| Equity capital to assets | 9.3176% | 4,981 |
| Core capital (leverage) ratio | 9.2710% | 4,170 |
| Tier 1 risk-based capital ratio | 15.3869% | 2,960 |
| Total risk-based capital ratio | 16.6532% | 2,918 |
| Memoranda: | ||
| Average total assets | $285,929,000 | 2,292 |
| Average earning assets | $266,150,670 | 2,262 |
| Average equity | $25,889,330 | 2,498 |
| Average total loans | $195,728,330 | 2,259 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6372% | 1,998 |
| Cost of funding earning assets | 1.8861% | 1,506 |
| Net interest margin | 3.7512% | 4,000 |
| Noninterest income to average assets | 0.7249% | 2,432 |
| Noninterest expense to average assets | 2.9108% | 4,016 |
| Loan and lease loss provision to assets | 0.6331% | 2,003 |
| Net operating income to assets | 0.5603% | 4,076 |
| Return on assets (ROA) | 0.6164% | 3,965 |
| Pretax return on assets | 0.7374% | 4,101 |
| Return on Equity (ROE) | 6.9062% | 3,393 |
| Retained earnings to average equity (ytd only) | 6.9062% | 2,175 |
| Net charge-offs to loans | 0.5390% | 2,451 |
| Credit loss provision to net charge-offs | 171.6981% | 2,110 |
| Earnings coverage of net charge-offs (x) | 3.5358% | 2,875 |
| Efficiency ratio | 68.1413% | 4,695 |
| Assets per employee ($millions) | 3.1040% | 5,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0980% | 1,963 |
| Loan loss allowance to noncurrent loans | 364.4702% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.5851% | 6,049 |
| Noncurrent loans to loans | 0.5756% | 6,154 |
| Net loans and leases to total assets | 66.8849% | 3,659 |
| Net loans and leases to deposits | 75.3534% | 4,518 |
| Net loans and leases to core deposits | 85.3225% | 3,991 |
| Total domestic deposits to total assets | 88.7617% | 1,635 |
| Equity capital to assets | 9.1243% | 5,099 |
| Core capital (leverage) ratio | 9.1100% | 4,357 |
| Tier 1 risk-based capital ratio | 15.2223% | 2,995 |
| Total risk-based capital ratio | 16.4860% | 2,950 |
| Memoranda: | ||
| Average total assets | $287,483,000 | 2,332 |
| Average earning assets | $267,435,500 | 2,301 |
| Average equity | $25,658,000 | 2,549 |
| Average total loans | $196,662,500 | 2,308 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9061% | 2,204 |
| Cost of funding earning assets | 2.0435% | 2,753 |
| Net interest margin | 3.8627% | 3,425 |
| Noninterest income to average assets | 0.7459% | 2,707 |
| Noninterest expense to average assets | 2.7278% | 5,260 |
| Loan and lease loss provision to assets | 0.6495% | 3,203 |
| Net operating income to assets | 0.7534% | 2,705 |
| Return on assets (ROA) | 0.7631% | 2,762 |
| Pretax return on assets | 0.9668% | 2,705 |
| Return on Equity (ROE) | 8.9826% | 2,032 |
| Retained earnings to average equity (ytd only) | 4.9967% | 1,818 |
| Net charge-offs to loans | 0.3502% | 4,477 |
| Credit loss provision to net charge-offs | 264.3367% | 1,327 |
| Earnings coverage of net charge-offs (x) | 6.5278% | 2,345 |
| Efficiency ratio | 62.0732% | 6,144 |
| Assets per employee ($millions) | 3.1802% | 5,769 |
| Cash dividends to net income (ytd only)* | 44.3730% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9689% | 2,096 |
| Loan loss allowance to noncurrent loans | 231.3574% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.7163% | 5,679 |
| Noncurrent loans to loans | 0.8510% | 5,590 |
| Net loans and leases to total assets | 67.1487% | 3,887 |
| Net loans and leases to deposits | 76.9420% | 4,580 |
| Net loans and leases to core deposits | 108.2113% | 3,083 |
| Total domestic deposits to total assets | 87.2719% | 2,344 |
| Equity capital to assets | 8.7285% | 5,550 |
| Core capital (leverage) ratio | 8.7842% | 4,787 |
| Tier 1 risk-based capital ratio | 14.6477% | 3,130 |
| Total risk-based capital ratio | 15.9099% | 3,080 |
| Memoranda: | ||
| Average total assets | $285,283,600 | 2,308 |
| Average earning assets | $264,843,400 | 2,286 |
| Average equity | $24,235,800 | 2,690 |
| Average total loans | $200,198,000 | 2,299 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9467% | 2,242 |
| Cost of funding earning assets | 2.0427% | 3,155 |
| Net interest margin | 3.9040% | 3,228 |
| Noninterest income to average assets | 0.7631% | 2,631 |
| Noninterest expense to average assets | 2.7008% | 5,326 |
| Loan and lease loss provision to assets | 0.5464% | 3,203 |
| Net operating income to assets | 0.8261% | 2,705 |
| Return on assets (ROA) | 0.8373% | 2,731 |
| Pretax return on assets | 1.1557% | 2,395 |
| Return on Equity (ROE) | 9.9248% | 1,942 |
| Retained earnings to average equity (ytd only) | 7.9009% | 1,165 |
| Net charge-offs to loans | 0.3641% | 3,831 |
| Credit loss provision to net charge-offs | 212.5912% | 2,067 |
| Earnings coverage of net charge-offs (x) | 6.5620% | 2,579 |
| Efficiency ratio | 60.6585% | 6,330 |
| Assets per employee ($millions) | 3.1708% | 5,723 |
| Cash dividends to net income (ytd only)* | 20.3921% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7015% | 2,623 |
| Loan loss allowance to noncurrent loans | 400.9524% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.3853% | 6,496 |
| Noncurrent loans to loans | 0.4244% | 6,484 |
| Net loans and leases to total assets | 66.7008% | 4,259 |
| Net loans and leases to deposits | 77.6019% | 4,800 |
| Net loans and leases to core deposits | 107.8414% | 3,489 |
| Total domestic deposits to total assets | 85.9526% | 2,720 |
| Equity capital to assets | 8.7175% | 5,929 |
| Core capital (leverage) ratio | 9.0894% | 4,509 |
| Tier 1 risk-based capital ratio | 14.8296% | 3,121 |
| Total risk-based capital ratio | 16.0881% | 3,058 |
| Memoranda: | ||
| Average total assets | $284,255,000 | 2,329 |
| Average earning assets | $263,895,250 | 2,304 |
| Average equity | $23,979,750 | 2,761 |
| Average total loans | $200,690,000 | 2,313 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0415% | 2,010 |
| Cost of funding earning assets | 2.0643% | 3,452 |
| Net interest margin | 3.9773% | 2,804 |
| Noninterest income to average assets | 0.7694% | 2,591 |
| Noninterest expense to average assets | 2.7562% | 5,148 |
| Loan and lease loss provision to assets | 0.5430% | 2,850 |
| Net operating income to assets | 0.8115% | 2,810 |
| Return on assets (ROA) | 0.8276% | 2,842 |
| Pretax return on assets | 1.1705% | 2,393 |
| Return on Equity (ROE) | 9.9250% | 2,045 |
| Retained earnings to average equity (ytd only) | 6.8351% | 1,645 |
| Net charge-offs to loans | 0.3958% | 3,217 |
| Credit loss provision to net charge-offs | 191.7293% | 2,383 |
| Earnings coverage of net charge-offs (x) | 5.9699% | 2,716 |
| Efficiency ratio | 61.0854% | 6,386 |
| Assets per employee ($millions) | 3.0389% | 6,027 |
| Cash dividends to net income (ytd only)* | 31.1321% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5481% | 2,963 |
| Loan loss allowance to noncurrent loans | 243.5156% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.5878% | 5,950 |
| Noncurrent loans to loans | 0.6357% | 5,971 |
| Net loans and leases to total assets | 69.3923% | 3,849 |
| Net loans and leases to deposits | 80.5839% | 4,463 |
| Net loans and leases to core deposits | 111.4803% | 3,203 |
| Total domestic deposits to total assets | 86.1119% | 2,730 |
| Equity capital to assets | 8.3948% | 6,203 |
| Core capital (leverage) ratio | 8.9877% | 4,650 |
| Tier 1 risk-based capital ratio | 14.0447% | 3,493 |
| Total risk-based capital ratio | 15.2437% | 3,459 |
| Memoranda: | ||
| Average total assets | $281,769,000 | 2,368 |
| Average earning assets | $260,529,330 | 2,346 |
| Average equity | $23,496,330 | 2,811 |
| Average total loans | $201,605,670 | 2,334 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1282% | 1,836 |
| Cost of funding earning assets | 2.0741% | 3,777 |
| Net interest margin | 4.0541% | 2,439 |
| Noninterest income to average assets | 0.7648% | 2,508 |
| Noninterest expense to average assets | 2.6945% | 5,035 |
| Loan and lease loss provision to assets | 0.5575% | 2,250 |
| Net operating income to assets | 0.8908% | 2,734 |
| Return on assets (ROA) | 0.9249% | 2,733 |
| Pretax return on assets | 1.3222% | 2,206 |
| Return on Equity (ROE) | 11.1290% | 1,931 |
| Retained earnings to average equity (ytd only) | 11.1290% | 943 |
| Net charge-offs to loans | 0.6503% | 1,881 |
| Credit loss provision to net charge-offs | 118.9024% | 3,297 |
| Earnings coverage of net charge-offs (x) | 3.9055% | 3,032 |
| Efficiency ratio | 58.6545% | 6,600 |
| Assets per employee ($millions) | 2.9519% | 6,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4044% | 3,474 |
| Loan loss allowance to noncurrent loans | 378.6003% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.5197% | 5,915 |
| Noncurrent loans to loans | 0.3709% | 6,494 |
| Net loans and leases to total assets | 71.1714% | 3,432 |
| Net loans and leases to deposits | 83.4603% | 4,068 |
| Net loans and leases to core deposits | 112.3758% | 3,181 |
| Total domestic deposits to total assets | 85.2757% | 3,074 |
| Equity capital to assets | 8.5285% | 6,031 |
| Core capital (leverage) ratio | 8.3440% | 5,824 |
| Tier 1 risk-based capital ratio | 13.5911% | 3,805 |
| Total risk-based capital ratio | 14.8460% | 3,724 |
| Memoranda: | ||
| Average total assets | $279,826,500 | 2,387 |
| Average earning assets | $259,587,500 | 2,369 |
| Average equity | $23,254,500 | 2,852 |
| Average total loans | $201,739,000 | 2,351 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4795% | 3,065 |
| Cost of funding earning assets | 2.4052% | 4,703 |
| Net interest margin | 4.0743% | 2,817 |
| Noninterest income to average assets | 0.7775% | 2,631 |
| Noninterest expense to average assets | 2.7876% | 4,876 |
| Loan and lease loss provision to assets | 0.3322% | 3,737 |
| Net operating income to assets | 0.9676% | 2,708 |
| Return on assets (ROA) | 0.9756% | 2,540 |
| Pretax return on assets | 1.4427% | 1,845 |
| Return on Equity (ROE) | 12.0520% | 1,575 |
| Retained earnings to average equity (ytd only) | 6.5996% | 1,302 |
| Net charge-offs to loans | 0.1648% | 4,554 |
| Credit loss provision to net charge-offs | 281.7365% | 1,620 |
| Earnings coverage of net charge-offs (x) | 14.9521% | 1,981 |
| Efficiency ratio | 60.3848% | 6,278 |
| Assets per employee ($millions) | 2.9702% | 6,121 |
| Cash dividends to net income (ytd only)* | 45.2407% | 3,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3540% | 3,456 |
| Loan loss allowance to noncurrent loans | 183.4000% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.6213% | 5,339 |
| Noncurrent loans to loans | 0.7383% | 5,184 |
| Net loans and leases to total assets | 71.0301% | 3,777 |
| Net loans and leases to deposits | 87.8353% | 3,829 |
| Net loans and leases to core deposits | 115.8430% | 3,139 |
| Total domestic deposits to total assets | 80.8673% | 4,704 |
| Equity capital to assets | 8.0958% | 6,703 |
| Core capital (leverage) ratio | 8.5610% | 5,464 |
| Tier 1 risk-based capital ratio | 13.9400% | 3,574 |
| Total risk-based capital ratio | 15.1942% | 3,490 |
| Memoranda: | ||
| Average total assets | $283,221,400 | 2,297 |
| Average earning assets | $262,303,000 | 2,275 |
| Average equity | $22,925,600 | 2,859 |
| Average total loans | $202,656,000 | 2,277 |