Home > Alliance Bank > Performance and Condition Ratios
Alliance Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4694% | 3,141 |
| Cost of funding earning assets | 0.4794% | 4,214 |
| Net interest margin | 3.9900% | 1,222 |
| Noninterest income to average assets | 0.5000% | 1,995 |
| Noninterest expense to average assets | 2.2608% | 2,951 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 1.7543% | 659 |
| Return on assets (ROA) | 1.7152% | 684 |
| Pretax return on assets | 1.7152% | 1,039 |
| Return on Equity (ROE) | 22.9700% | 404 |
| Retained earnings to average equity (ytd only) | 9.5336% | 1,127 |
| Net charge-offs to loans | 0.0038% | 2,618 |
| Credit loss provision to net charge-offs | 6,075.0000% | 87 |
| Earnings coverage of net charge-offs (x) | 1,015.5000% | 152 |
| Efficiency ratio | 53.8094% | 3,689 |
| Assets per employee ($millions) | 6.9845% | 2,088 |
| Cash dividends to net income (ytd only)* | 58.4958% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7410% | 603 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 57.1600% | 3,110 |
| Net loans and leases to deposits | 65.7069% | 3,189 |
| Net loans and leases to core deposits | 68.2377% | 3,393 |
| Total domestic deposits to total assets | 86.9900% | 1,687 |
| Equity capital to assets | 8.5511% | 3,016 |
| Core capital (leverage) ratio | 11.8781% | 1,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $418,620,000 | 1,956 |
| Average earning assets | $388,798,200 | 1,953 |
| Average equity | $31,257,800 | 2,210 |
| Average total loans | $211,857,800 | 2,215 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3797% | 3,138 |
| Cost of funding earning assets | 0.3734% | 4,286 |
| Net interest margin | 4.0063% | 1,205 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.2135% | 3,044 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.9822% | 510 |
| Return on assets (ROA) | 1.9752% | 510 |
| Pretax return on assets | 1.9752% | 777 |
| Return on Equity (ROE) | 27.4500% | 295 |
| Retained earnings to average equity (ytd only) | 13.7255% | 711 |
| Net charge-offs to loans | 0.0033% | 2,394 |
| Credit loss provision to net charge-offs | 2,380.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 1,270.4000% | 125 |
| Efficiency ratio | 52.2406% | 3,741 |
| Assets per employee ($millions) | 6.2346% | 2,539 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7536% | 625 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 55.4500% | 3,253 |
| Net loans and leases to deposits | 62.3092% | 3,385 |
| Net loans and leases to core deposits | 64.9860% | 3,481 |
| Total domestic deposits to total assets | 88.9900% | 1,257 |
| Equity capital to assets | 7.1785% | 3,524 |
| Core capital (leverage) ratio | 12.1258% | 1,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $418,508,000 | 1,957 |
| Average earning assets | $389,940,500 | 1,951 |
| Average equity | $30,113,500 | 2,250 |
| Average total loans | $203,879,250 | 2,263 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3076% | 3,087 |
| Cost of funding earning assets | 0.3052% | 4,306 |
| Net interest margin | 4.0024% | 1,235 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.1228% | 3,287 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 2.0160% | 451 |
| Return on assets (ROA) | 2.0056% | 459 |
| Pretax return on assets | 2.0056% | 739 |
| Return on Equity (ROE) | 27.8500% | 270 |
| Retained earnings to average equity (ytd only) | 15.1093% | 550 |
| Net charge-offs to loans | 0.0010% | 2,385 |
| Credit loss provision to net charge-offs | 11,900.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 4,414.0000% | 20 |
| Efficiency ratio | 50.5434% | 3,877 |
| Assets per employee ($millions) | 6.3492% | 2,428 |
| Cash dividends to net income (ytd only)* | 45.7532% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8555% | 540 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 51.3600% | 3,457 |
| Net loans and leases to deposits | 57.6510% | 3,556 |
| Net loans and leases to core deposits | 60.3037% | 3,617 |
| Total domestic deposits to total assets | 89.0900% | 1,226 |
| Equity capital to assets | 7.9581% | 3,244 |
| Core capital (leverage) ratio | 11.8082% | 1,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $425,006,667 | 1,934 |
| Average earning assets | $395,859,667 | 1,923 |
| Average equity | $30,603,667 | 2,239 |
| Average total loans | $196,772,667 | 2,311 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2640% | 2,892 |
| Cost of funding earning assets | 0.2156% | 4,349 |
| Net interest margin | 4.0483% | 1,181 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 2.0690% | 3,450 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.1513% | 401 |
| Return on assets (ROA) | 2.1513% | 395 |
| Pretax return on assets | 2.1513% | 615 |
| Return on Equity (ROE) | 31.3800% | 208 |
| Retained earnings to average equity (ytd only) | 31.3843% | 102 |
| Net charge-offs to loans | 0.0021% | 1,957 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 2,353.0000% | 34 |
| Efficiency ratio | 49.0251% | 4,023 |
| Assets per employee ($millions) | 6.9837% | 1,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9423% | 489 |
| Loan loss allowance to noncurrent loans | 75,280.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 3,924 |
| Noncurrent loans to loans | 0.0026% | 3,843 |
| Net loans and leases to total assets | 43.8900% | 3,875 |
| Net loans and leases to deposits | 49.0109% | 3,927 |
| Net loans and leases to core deposits | 49.8930% | 3,996 |
| Total domestic deposits to total assets | 89.5500% | 1,321 |
| Equity capital to assets | 7.4965% | 3,566 |
| Core capital (leverage) ratio | 11.9117% | 1,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $437,511,500 | 1,915 |
| Average earning assets | $408,069,500 | 1,909 |
| Average equity | $29,989,500 | 2,293 |
| Average total loans | $190,496,500 | 2,370 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3261% | 3,524 |
| Cost of funding earning assets | 0.1123% | 4,327 |
| Net interest margin | 3.2138% | 2,832 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.1371% | 3,201 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3323% | 1,334 |
| Return on assets (ROA) | 1.3323% | 1,296 |
| Pretax return on assets | 1.3323% | 1,988 |
| Return on Equity (ROE) | 16.0400% | 1,048 |
| Retained earnings to average equity (ytd only) | 7.9568% | 1,856 |
| Net charge-offs to loans | -0.0006% | 3,315 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.5991% | 2,821 |
| Assets per employee ($millions) | 7.0164% | 1,963 |
| Cash dividends to net income (ytd only)* | 50.3883% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1212% | 349 |
| Loan loss allowance to noncurrent loans | 79,420.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 3,944 |
| Noncurrent loans to loans | 0.0027% | 3,866 |
| Net loans and leases to total assets | 41.4500% | 4,007 |
| Net loans and leases to deposits | 45.8656% | 4,062 |
| Net loans and leases to core deposits | 46.1922% | 4,114 |
| Total domestic deposits to total assets | 90.3800% | 1,209 |
| Equity capital to assets | 6.2258% | 4,008 |
| Core capital (leverage) ratio | 12.9235% | 960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $405,915,600 | 2,007 |
| Average earning assets | $376,689,400 | 1,998 |
| Average equity | $33,719,600 | 2,170 |
| Average total loans | $174,348,800 | 2,415 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2234% | 3,377 |
| Cost of funding earning assets | 0.1127% | 4,176 |
| Net interest margin | 3.1107% | 2,899 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 2.0358% | 3,384 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3454% | 1,219 |
| Return on assets (ROA) | 1.3454% | 1,199 |
| Pretax return on assets | 1.3454% | 1,905 |
| Return on Equity (ROE) | 15.1400% | 1,141 |
| Retained earnings to average equity (ytd only) | 8.4301% | 1,842 |
| Net charge-offs to loans | 0.0016% | 2,252 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 2,002.5000% | 59 |
| Efficiency ratio | 60.2086% | 3,089 |
| Assets per employee ($millions) | 6.3454% | 2,448 |
| Cash dividends to net income (ytd only)* | 44.3196% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2276% | 334 |
| Loan loss allowance to noncurrent loans | 66,150.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0635% | 3,253 |
| Noncurrent loans to loans | 0.0034% | 3,938 |
| Net loans and leases to total assets | 44.2800% | 3,859 |
| Net loans and leases to deposits | 49.7071% | 3,875 |
| Net loans and leases to core deposits | 51.3019% | 3,888 |
| Total domestic deposits to total assets | 89.0800% | 2,057 |
| Equity capital to assets | 6.5410% | 3,720 |
| Core capital (leverage) ratio | 12.1367% | 1,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $396,885,750 | 2,054 |
| Average earning assets | $367,880,750 | 2,049 |
| Average equity | $35,269,500 | 2,130 |
| Average total loans | $171,135,750 | 2,445 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0245% | 3,494 |
| Cost of funding earning assets | 0.1119% | 4,058 |
| Net interest margin | 2.9126% | 3,129 |
| Noninterest income to average assets | 0.4783% | 2,314 |
| Noninterest expense to average assets | 2.0525% | 3,289 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1205% | 1,702 |
| Return on assets (ROA) | 1.1205% | 1,677 |
| Pretax return on assets | 1.1205% | 2,335 |
| Return on Equity (ROE) | 11.6000% | 1,793 |
| Retained earnings to average equity (ytd only) | 6.1121% | 2,295 |
| Net charge-offs to loans | -0.0036% | 3,246 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6873% | 2,682 |
| Assets per employee ($millions) | 6.1075% | 2,649 |
| Cash dividends to net income (ytd only)* | 47.3094% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3183% | 319 |
| Loan loss allowance to noncurrent loans | 2,195.0276% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 3,531 |
| Noncurrent loans to loans | 0.1056% | 3,220 |
| Net loans and leases to total assets | 42.1686% | 3,962 |
| Net loans and leases to deposits | 47.5645% | 3,943 |
| Net loans and leases to core deposits | 48.6828% | 3,996 |
| Total domestic deposits to total assets | 88.6556% | 2,314 |
| Equity capital to assets | 7.1045% | 3,716 |
| Core capital (leverage) ratio | 11.8078% | 1,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $398,043,333 | 2,060 |
| Average earning assets | $368,259,000 | 2,073 |
| Average equity | $38,448,333 | 2,061 |
| Average total loans | $168,788,667 | 2,473 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8348% | 3,670 |
| Cost of funding earning assets | 0.1098% | 4,014 |
| Net interest margin | 2.7250% | 3,354 |
| Noninterest income to average assets | 0.4787% | 2,245 |
| Noninterest expense to average assets | 1.9931% | 3,439 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0016% | 1,878 |
| Return on assets (ROA) | 1.0016% | 1,872 |
| Pretax return on assets | 1.0016% | 2,433 |
| Return on Equity (ROE) | 9.1622% | 2,261 |
| Retained earnings to average equity (ytd only) | 9.1622% | 1,228 |
| Net charge-offs to loans | -0.0119% | 3,655 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5550% | 2,697 |
| Assets per employee ($millions) | 6.2584% | 2,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4016% | 321 |
| Loan loss allowance to noncurrent loans | 1,823.3945% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.0536% | 3,509 |
| Noncurrent loans to loans | 0.1317% | 3,149 |
| Net loans and leases to total assets | 39.7103% | 4,033 |
| Net loans and leases to deposits | 46.1578% | 3,965 |
| Net loans and leases to core deposits | 46.9325% | 4,032 |
| Total domestic deposits to total assets | 86.0315% | 3,251 |
| Equity capital to assets | 9.7383% | 2,096 |
| Core capital (leverage) ratio | 11.1834% | 1,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $398,570,000 | 2,056 |
| Average earning assets | $368,002,500 | 2,084 |
| Average equity | $43,570,500 | 1,936 |
| Average total loans | $167,494,000 | 2,481 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2301% | 3,403 |
| Cost of funding earning assets | 0.1204% | 4,216 |
| Net interest margin | 3.1097% | 2,874 |
| Noninterest income to average assets | 0.5351% | 2,415 |
| Noninterest expense to average assets | 2.0705% | 3,471 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3429% | 1,468 |
| Return on assets (ROA) | 1.3429% | 1,502 |
| Pretax return on assets | 1.3429% | 2,231 |
| Return on Equity (ROE) | 10.6624% | 2,286 |
| Retained earnings to average equity (ytd only) | 4.6185% | 2,958 |
| Net charge-offs to loans | 0.0017% | 2,593 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 1,690.6667% | 87 |
| Efficiency ratio | 60.6578% | 3,053 |
| Assets per employee ($millions) | 5.8261% | 2,923 |
| Cash dividends to net income (ytd only)* | 56.6838% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3425% | 358 |
| Loan loss allowance to noncurrent loans | 1,345.7627% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.0756% | 3,422 |
| Noncurrent loans to loans | 0.1741% | 3,082 |
| Net loans and leases to total assets | 42.3993% | 3,957 |
| Net loans and leases to deposits | 50.9794% | 3,804 |
| Net loans and leases to core deposits | 51.4620% | 3,933 |
| Total domestic deposits to total assets | 83.1695% | 3,770 |
| Equity capital to assets | 12.1754% | 1,181 |
| Core capital (leverage) ratio | 11.6122% | 1,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4129% | 979 |
| Memoranda: | ||
| Average total assets | $377,683,200 | 2,072 |
| Average earning assets | $349,581,600 | 2,086 |
| Average equity | $47,569,200 | 1,838 |
| Average total loans | $174,151,800 | 2,430 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2488% | 3,518 |
| Cost of funding earning assets | 0.1223% | 4,331 |
| Net interest margin | 3.1265% | 2,980 |
| Noninterest income to average assets | 0.5539% | 2,398 |
| Noninterest expense to average assets | 2.0324% | 3,580 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4237% | 1,464 |
| Return on assets (ROA) | 1.4237% | 1,531 |
| Pretax return on assets | 1.4237% | 2,238 |
| Return on Equity (ROE) | 11.2061% | 2,306 |
| Retained earnings to average equity (ytd only) | 5.6017% | 3,000 |
| Net charge-offs to loans | 0.0015% | 2,360 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 1,999.5000% | 70 |
| Efficiency ratio | 58.8072% | 3,154 |
| Assets per employee ($millions) | 6.0069% | 2,690 |
| Cash dividends to net income (ytd only)* | 50.0125% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2700% | 413 |
| Loan loss allowance to noncurrent loans | 1,323.6667% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.0780% | 3,582 |
| Noncurrent loans to loans | 0.1715% | 3,259 |
| Net loans and leases to total assets | 44.4712% | 3,914 |
| Net loans and leases to deposits | 53.7058% | 3,767 |
| Net loans and leases to core deposits | 54.9484% | 3,856 |
| Total domestic deposits to total assets | 82.8052% | 3,757 |
| Equity capital to assets | 12.5889% | 1,140 |
| Core capital (leverage) ratio | 11.3937% | 1,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5622% | 1,034 |
| Memoranda: | ||
| Average total assets | $374,517,500 | 2,109 |
| Average earning assets | $347,647,500 | 2,110 |
| Average equity | $47,580,000 | 1,858 |
| Average total loans | $175,321,250 | 2,459 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1909% | 3,693 |
| Cost of funding earning assets | 0.1231% | 4,415 |
| Net interest margin | 3.0678% | 3,121 |
| Noninterest income to average assets | 0.5743% | 2,319 |
| Noninterest expense to average assets | 1.9892% | 3,735 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4310% | 1,483 |
| Return on assets (ROA) | 1.4310% | 1,543 |
| Pretax return on assets | 1.4310% | 2,238 |
| Return on Equity (ROE) | 11.2286% | 2,331 |
| Retained earnings to average equity (ytd only) | 5.9441% | 2,825 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1601% | 3,263 |
| Assets per employee ($millions) | 5.9488% | 2,669 |
| Cash dividends to net income (ytd only)* | 47.0633% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2873% | 372 |
| Loan loss allowance to noncurrent loans | 1,128.6932% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.0910% | 3,597 |
| Noncurrent loans to loans | 0.2027% | 3,233 |
| Net loans and leases to total assets | 43.8932% | 4,049 |
| Net loans and leases to deposits | 53.5767% | 3,888 |
| Net loans and leases to core deposits | 54.5240% | 3,993 |
| Total domestic deposits to total assets | 81.9259% | 3,940 |
| Equity capital to assets | 12.2917% | 1,223 |
| Core capital (leverage) ratio | 11.3343% | 1,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9196% | 973 |
| Memoranda: | ||
| Average total assets | $371,209,333 | 2,113 |
| Average earning assets | $344,353,333 | 2,118 |
| Average equity | $47,307,667 | 1,857 |
| Average total loans | $175,449,333 | 2,468 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1417% | 3,798 |
| Cost of funding earning assets | 0.1271% | 4,481 |
| Net interest margin | 3.0146% | 3,221 |
| Noninterest income to average assets | 0.6229% | 2,119 |
| Noninterest expense to average assets | 2.0194% | 3,658 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3965% | 1,586 |
| Return on assets (ROA) | 1.3965% | 1,657 |
| Pretax return on assets | 1.3965% | 2,287 |
| Return on Equity (ROE) | 10.7549% | 2,438 |
| Retained earnings to average equity (ytd only) | 10.7549% | 1,459 |
| Net charge-offs to loans | 0.0045% | 1,750 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 634.5000% | 157 |
| Efficiency ratio | 59.1173% | 3,141 |
| Assets per employee ($millions) | 5.9685% | 2,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2870% | 374 |
| Loan loss allowance to noncurrent loans | 534.4549% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.1976% | 3,174 |
| Noncurrent loans to loans | 0.4279% | 2,579 |
| Net loans and leases to total assets | 45.1214% | 4,030 |
| Net loans and leases to deposits | 53.9006% | 3,945 |
| Net loans and leases to core deposits | 54.8264% | 4,061 |
| Total domestic deposits to total assets | 83.7122% | 3,517 |
| Equity capital to assets | 12.5271% | 1,071 |
| Core capital (leverage) ratio | 11.7712% | 1,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5169% | 851 |
| Memoranda: | ||
| Average total assets | $363,476,500 | 2,132 |
| Average earning assets | $336,761,000 | 2,142 |
| Average equity | $47,197,000 | 1,854 |
| Average total loans | $176,325,500 | 2,465 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7277% | 3,503 |
| Cost of funding earning assets | 0.2263% | 4,481 |
| Net interest margin | 3.5014% | 2,475 |
| Noninterest income to average assets | 0.6632% | 1,975 |
| Noninterest expense to average assets | 2.2337% | 3,580 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.6527% | 571 |
| Return on assets (ROA) | 1.6554% | 608 |
| Pretax return on assets | 1.6554% | 943 |
| Return on Equity (ROE) | 12.2842% | 1,239 |
| Retained earnings to average equity (ytd only) | 6.1152% | 1,746 |
| Net charge-offs to loans | -0.0033% | 4,050 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4751% | 3,795 |
| Assets per employee ($millions) | 5.5704% | 2,769 |
| Cash dividends to net income (ytd only)* | 50.2191% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2194% | 389 |
| Loan loss allowance to noncurrent loans | 550.2770% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.2057% | 3,259 |
| Noncurrent loans to loans | 0.4033% | 2,766 |
| Net loans and leases to total assets | 49.8789% | 3,838 |
| Net loans and leases to deposits | 60.4789% | 3,719 |
| Net loans and leases to core deposits | 61.4749% | 3,858 |
| Total domestic deposits to total assets | 82.4732% | 3,546 |
| Equity capital to assets | 13.4754% | 937 |
| Core capital (leverage) ratio | 12.0921% | 1,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9281% | 911 |
| Memoranda: | ||
| Average total assets | $330,799,200 | 2,133 |
| Average earning assets | $304,505,800 | 2,152 |
| Average equity | $44,577,600 | 1,861 |
| Average total loans | $181,841,000 | 2,397 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8111% | 3,533 |
| Cost of funding earning assets | 0.2493% | 4,514 |
| Net interest margin | 3.5618% | 2,388 |
| Noninterest income to average assets | 0.6671% | 1,917 |
| Noninterest expense to average assets | 2.2785% | 3,474 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.6686% | 624 |
| Return on assets (ROA) | 1.6723% | 684 |
| Pretax return on assets | 1.6723% | 1,021 |
| Return on Equity (ROE) | 12.4099% | 1,270 |
| Retained earnings to average equity (ytd only) | 7.5504% | 1,477 |
| Net charge-offs to loans | -0.0007% | 3,799 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7250% | 3,704 |
| Assets per employee ($millions) | 5.2828% | 2,912 |
| Cash dividends to net income (ytd only)* | 39.1581% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1429% | 389 |
| Loan loss allowance to noncurrent loans | 252.5143% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.4575% | 2,353 |
| Noncurrent loans to loans | 0.8486% | 1,739 |
| Net loans and leases to total assets | 52.7560% | 3,912 |
| Net loans and leases to deposits | 62.8696% | 3,873 |
| Net loans and leases to core deposits | 65.0852% | 3,949 |
| Total domestic deposits to total assets | 83.9134% | 2,846 |
| Equity capital to assets | 13.6249% | 965 |
| Core capital (leverage) ratio | 12.1477% | 1,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5748% | 827 |
| Memoranda: | ||
| Average total assets | $325,765,000 | 2,138 |
| Average earning assets | $299,989,750 | 2,152 |
| Average equity | $43,899,500 | 1,868 |
| Average total loans | $182,547,250 | 2,395 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8957% | 3,633 |
| Cost of funding earning assets | 0.2702% | 4,564 |
| Net interest margin | 3.6255% | 2,397 |
| Noninterest income to average assets | 0.6446% | 1,957 |
| Noninterest expense to average assets | 2.3183% | 3,474 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.6818% | 638 |
| Return on assets (ROA) | 1.6874% | 689 |
| Pretax return on assets | 1.6874% | 1,025 |
| Return on Equity (ROE) | 12.5717% | 1,202 |
| Retained earnings to average equity (ytd only) | 8.0302% | 1,293 |
| Net charge-offs to loans | -0.0022% | 3,837 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9556% | 3,689 |
| Assets per employee ($millions) | 5.3099% | 2,826 |
| Cash dividends to net income (ytd only)* | 36.1245% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1062% | 372 |
| Loan loss allowance to noncurrent loans | 237.4626% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.4917% | 2,370 |
| Noncurrent loans to loans | 0.8869% | 1,724 |
| Net loans and leases to total assets | 54.2709% | 3,852 |
| Net loans and leases to deposits | 64.2984% | 3,857 |
| Net loans and leases to core deposits | 66.3574% | 3,958 |
| Total domestic deposits to total assets | 84.4047% | 2,597 |
| Equity capital to assets | 13.4757% | 989 |
| Core capital (leverage) ratio | 12.5169% | 1,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4747% | 849 |
| Memoranda: | ||
| Average total assets | $319,893,667 | 2,146 |
| Average earning assets | $296,070,333 | 2,150 |
| Average equity | $42,937,667 | 1,886 |
| Average total loans | $181,689,667 | 2,389 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0883% | 3,558 |
| Cost of funding earning assets | 0.3079% | 4,634 |
| Net interest margin | 3.7803% | 2,049 |
| Noninterest income to average assets | 0.5847% | 2,106 |
| Noninterest expense to average assets | 2.5206% | 3,212 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5501% | 697 |
| Return on assets (ROA) | 1.5617% | 749 |
| Pretax return on assets | 1.5617% | 1,152 |
| Return on Equity (ROE) | 11.6601% | 1,208 |
| Retained earnings to average equity (ytd only) | 11.6601% | 463 |
| Net charge-offs to loans | -0.0022% | 3,675 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9214% | 3,505 |
| Assets per employee ($millions) | 4.8222% | 2,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2479% | 351 |
| Loan loss allowance to noncurrent loans | 371.7901% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.3457% | 3,053 |
| Noncurrent loans to loans | 0.6046% | 2,477 |
| Net loans and leases to total assets | 55.8973% | 3,849 |
| Net loans and leases to deposits | 66.5287% | 3,831 |
| Net loans and leases to core deposits | 69.4808% | 3,911 |
| Total domestic deposits to total assets | 84.0197% | 2,785 |
| Equity capital to assets | 13.2902% | 1,308 |
| Core capital (leverage) ratio | 12.9017% | 1,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6103% | 914 |
| Memoranda: | ||
| Average total assets | $309,923,500 | 2,150 |
| Average earning assets | $285,794,500 | 2,158 |
| Average equity | $41,509,000 | 1,930 |
| Average total loans | $178,335,000 | 2,378 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2959% | 3,548 |
| Cost of funding earning assets | 0.3340% | 4,648 |
| Net interest margin | 3.9619% | 1,964 |
| Noninterest income to average assets | 0.7780% | 1,521 |
| Noninterest expense to average assets | 2.6667% | 2,976 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.7561% | 583 |
| Return on assets (ROA) | 1.7548% | 621 |
| Pretax return on assets | 1.7548% | 1,058 |
| Return on Equity (ROE) | 13.5038% | 1,006 |
| Retained earnings to average equity (ytd only) | 6.5717% | 1,577 |
| Net charge-offs to loans | -0.0308% | 4,716 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2948% | 3,646 |
| Assets per employee ($millions) | 4.9401% | 2,665 |
| Cash dividends to net income (ytd only)* | 51.3347% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2015% | 329 |
| Loan loss allowance to noncurrent loans | 412.7992% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.3088% | 3,191 |
| Noncurrent loans to loans | 0.5333% | 2,578 |
| Net loans and leases to total assets | 56.6229% | 3,877 |
| Net loans and leases to deposits | 67.6238% | 3,847 |
| Net loans and leases to core deposits | 70.2318% | 3,951 |
| Total domestic deposits to total assets | 83.7322% | 2,937 |
| Equity capital to assets | 13.4955% | 1,276 |
| Core capital (leverage) ratio | 12.6407% | 1,412 |
| Tier 1 risk-based capital ratio | 17.3862% | 1,927 |
| Total risk-based capital ratio | 18.6487% | 1,881 |
| Memoranda: | ||
| Average total assets | $305,285,000 | 2,132 |
| Average earning assets | $280,847,000 | 2,142 |
| Average equity | $39,670,200 | 1,947 |
| Average total loans | $178,824,800 | 2,331 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3185% | 3,598 |
| Cost of funding earning assets | 0.3305% | 4,721 |
| Net interest margin | 3.9881% | 1,983 |
| Noninterest income to average assets | 0.6122% | 2,138 |
| Noninterest expense to average assets | 2.5942% | 3,179 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6884% | 765 |
| Return on assets (ROA) | 1.6866% | 809 |
| Pretax return on assets | 1.6866% | 1,377 |
| Return on Equity (ROE) | 13.1088% | 1,238 |
| Retained earnings to average equity (ytd only) | 6.9688% | 1,873 |
| Net charge-offs to loans | -0.0351% | 4,746 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5759% | 3,527 |
| Assets per employee ($millions) | 4.7693% | 2,830 |
| Cash dividends to net income (ytd only)* | 46.8384% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1814% | 341 |
| Loan loss allowance to noncurrent loans | 483.3944% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.2642% | 3,501 |
| Noncurrent loans to loans | 0.4513% | 2,952 |
| Net loans and leases to total assets | 57.2664% | 3,946 |
| Net loans and leases to deposits | 68.3711% | 3,898 |
| Net loans and leases to core deposits | 73.4642% | 3,859 |
| Total domestic deposits to total assets | 83.7582% | 2,912 |
| Equity capital to assets | 13.3380% | 1,440 |
| Core capital (leverage) ratio | 12.5340% | 1,551 |
| Tier 1 risk-based capital ratio | 17.3820% | 1,972 |
| Total risk-based capital ratio | 18.6451% | 1,935 |
| Memoranda: | ||
| Average total assets | $303,799,000 | 2,159 |
| Average earning assets | $279,593,500 | 2,163 |
| Average equity | $39,087,250 | 1,984 |
| Average total loans | $178,482,500 | 2,359 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2861% | 3,670 |
| Cost of funding earning assets | 0.3104% | 4,802 |
| Net interest margin | 3.9758% | 1,999 |
| Noninterest income to average assets | 0.5979% | 2,166 |
| Noninterest expense to average assets | 2.6189% | 3,150 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6385% | 836 |
| Return on assets (ROA) | 1.6332% | 883 |
| Pretax return on assets | 1.6332% | 1,447 |
| Return on Equity (ROE) | 12.8555% | 1,287 |
| Retained earnings to average equity (ytd only) | 6.8556% | 1,874 |
| Net charge-offs to loans | -0.0507% | 4,829 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5133% | 3,506 |
| Assets per employee ($millions) | 4.6164% | 2,984 |
| Cash dividends to net income (ytd only)* | 46.6721% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1726% | 344 |
| Loan loss allowance to noncurrent loans | 323.2026% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.4017% | 2,897 |
| Noncurrent loans to loans | 0.6722% | 2,285 |
| Net loans and leases to total assets | 58.4627% | 3,868 |
| Net loans and leases to deposits | 69.6202% | 3,871 |
| Net loans and leases to core deposits | 74.8315% | 3,831 |
| Total domestic deposits to total assets | 83.9738% | 2,879 |
| Equity capital to assets | 13.2167% | 1,481 |
| Core capital (leverage) ratio | 12.4961% | 1,541 |
| Tier 1 risk-based capital ratio | 16.8062% | 2,141 |
| Total risk-based capital ratio | 18.0680% | 2,080 |
| Memoranda: | ||
| Average total assets | $301,731,330 | 2,177 |
| Average earning assets | $277,733,670 | 2,178 |
| Average equity | $38,333,670 | 2,007 |
| Average total loans | $177,481,330 | 2,372 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1980% | 3,873 |
| Cost of funding earning assets | 0.2597% | 4,954 |
| Net interest margin | 3.9383% | 2,067 |
| Noninterest income to average assets | 0.5728% | 2,168 |
| Noninterest expense to average assets | 2.6897% | 2,937 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4987% | 1,119 |
| Return on assets (ROA) | 1.4881% | 1,162 |
| Pretax return on assets | 1.4881% | 1,810 |
| Return on Equity (ROE) | 11.9574% | 1,546 |
| Retained earnings to average equity (ytd only) | 11.9574% | 620 |
| Net charge-offs to loans | -0.1073% | 5,043 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2176% | 3,202 |
| Assets per employee ($millions) | 4.4217% | 3,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2682% | 321 |
| Loan loss allowance to noncurrent loans | 273.5314% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.4884% | 2,660 |
| Noncurrent loans to loans | 0.8292% | 1,982 |
| Net loans and leases to total assets | 57.5653% | 3,932 |
| Net loans and leases to deposits | 68.1676% | 3,912 |
| Net loans and leases to core deposits | 71.1676% | 3,995 |
| Total domestic deposits to total assets | 84.4467% | 2,869 |
| Equity capital to assets | 13.0031% | 1,455 |
| Core capital (leverage) ratio | 12.7673% | 1,372 |
| Tier 1 risk-based capital ratio | 16.9774% | 2,111 |
| Total risk-based capital ratio | 18.2401% | 2,059 |
| Memoranda: | ||
| Average total assets | $300,255,500 | 2,195 |
| Average earning assets | $275,654,000 | 2,203 |
| Average equity | $37,366,000 | 2,039 |
| Average total loans | $175,181,000 | 2,419 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9961% | 4,041 |
| Cost of funding earning assets | 0.2185% | 4,929 |
| Net interest margin | 3.7776% | 2,752 |
| Noninterest income to average assets | 0.6181% | 2,200 |
| Noninterest expense to average assets | 2.6482% | 3,186 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4516% | 1,269 |
| Return on assets (ROA) | 1.4406% | 1,295 |
| Pretax return on assets | 1.4406% | 1,986 |
| Return on Equity (ROE) | 12.2519% | 1,629 |
| Retained earnings to average equity (ytd only) | 5.7908% | 2,299 |
| Net charge-offs to loans | -0.0064% | 4,401 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5923% | 3,099 |
| Assets per employee ($millions) | 4.6809% | 2,904 |
| Cash dividends to net income (ytd only)* | 52.7353% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2239% | 319 |
| Loan loss allowance to noncurrent loans | 502.0539% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.2560% | 3,565 |
| Noncurrent loans to loans | 0.4430% | 2,951 |
| Net loans and leases to total assets | 56.5159% | 4,092 |
| Net loans and leases to deposits | 66.2840% | 4,094 |
| Net loans and leases to core deposits | 70.4299% | 4,098 |
| Total domestic deposits to total assets | 85.2632% | 2,525 |
| Equity capital to assets | 11.9011% | 1,970 |
| Core capital (leverage) ratio | 12.5595% | 1,426 |
| Tier 1 risk-based capital ratio | 16.1344% | 2,363 |
| Total risk-based capital ratio | 17.3944% | 2,304 |
| Memoranda: | ||
| Average total assets | $299,453,800 | 2,160 |
| Average earning assets | $275,992,800 | 2,157 |
| Average equity | $35,210,800 | 2,064 |
| Average total loans | $171,945,200 | 2,423 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9455% | 4,093 |
| Cost of funding earning assets | 0.2057% | 5,001 |
| Net interest margin | 3.7398% | 2,862 |
| Noninterest income to average assets | 0.6160% | 2,234 |
| Noninterest expense to average assets | 2.6657% | 3,080 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4046% | 1,470 |
| Return on assets (ROA) | 1.3916% | 1,516 |
| Pretax return on assets | 1.3916% | 2,258 |
| Return on Equity (ROE) | 11.8720% | 1,836 |
| Retained earnings to average equity (ytd only) | 5.5794% | 2,902 |
| Net charge-offs to loans | -0.0101% | 4,408 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4915% | 2,962 |
| Assets per employee ($millions) | 4.6705% | 2,881 |
| Cash dividends to net income (ytd only)* | 53.0037% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2418% | 333 |
| Loan loss allowance to noncurrent loans | 479.5343% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.2773% | 3,574 |
| Noncurrent loans to loans | 0.4675% | 2,987 |
| Net loans and leases to total assets | 57.9921% | 4,044 |
| Net loans and leases to deposits | 70.5736% | 3,874 |
| Net loans and leases to core deposits | 72.8048% | 4,022 |
| Total domestic deposits to total assets | 82.1725% | 3,556 |
| Equity capital to assets | 11.8093% | 2,025 |
| Core capital (leverage) ratio | 12.2232% | 1,658 |
| Tier 1 risk-based capital ratio | 16.2041% | 2,372 |
| Total risk-based capital ratio | 17.4663% | 2,314 |
| Memoranda: | ||
| Average total assets | $298,252,750 | 2,176 |
| Average earning assets | $275,478,000 | 2,172 |
| Average equity | $34,961,000 | 2,078 |
| Average total loans | $170,965,250 | 2,446 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8605% | 4,189 |
| Cost of funding earning assets | 0.1924% | 5,065 |
| Net interest margin | 3.6682% | 3,050 |
| Noninterest income to average assets | 0.5961% | 2,342 |
| Noninterest expense to average assets | 2.6289% | 3,226 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3532% | 1,592 |
| Return on assets (ROA) | 1.3505% | 1,603 |
| Pretax return on assets | 1.3505% | 2,323 |
| Return on Equity (ROE) | 11.5494% | 1,889 |
| Retained earnings to average equity (ytd only) | 5.6976% | 2,725 |
| Net charge-offs to loans | -0.0153% | 4,466 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0184% | 2,979 |
| Assets per employee ($millions) | 4.6449% | 2,895 |
| Cash dividends to net income (ytd only)* | 50.6673% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2588% | 336 |
| Loan loss allowance to noncurrent loans | 548.0392% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.2402% | 3,809 |
| Noncurrent loans to loans | 0.4122% | 3,220 |
| Net loans and leases to total assets | 56.9586% | 4,086 |
| Net loans and leases to deposits | 68.5181% | 3,985 |
| Net loans and leases to core deposits | 70.5050% | 4,119 |
| Total domestic deposits to total assets | 83.1293% | 3,377 |
| Equity capital to assets | 11.7132% | 2,054 |
| Core capital (leverage) ratio | 12.1390% | 1,625 |
| Tier 1 risk-based capital ratio | 15.9095% | 2,471 |
| Total risk-based capital ratio | 17.1730% | 2,406 |
| Memoranda: | ||
| Average total assets | $299,589,670 | 2,172 |
| Average earning assets | $276,542,330 | 2,179 |
| Average equity | $35,032,000 | 2,087 |
| Average total loans | $169,770,330 | 2,464 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7540% | 4,344 |
| Cost of funding earning assets | 0.1774% | 5,127 |
| Net interest margin | 3.5766% | 3,263 |
| Noninterest income to average assets | 0.5786% | 2,372 |
| Noninterest expense to average assets | 2.7159% | 2,990 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1611% | 2,172 |
| Return on assets (ROA) | 1.1611% | 2,184 |
| Pretax return on assets | 1.1611% | 2,929 |
| Return on Equity (ROE) | 9.9380% | 2,470 |
| Retained earnings to average equity (ytd only) | 9.9380% | 1,180 |
| Net charge-offs to loans | -0.0238% | 4,641 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0515% | 2,478 |
| Assets per employee ($millions) | 4.4547% | 3,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4030% | 282 |
| Loan loss allowance to noncurrent loans | 543.1944% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.2449% | 3,889 |
| Noncurrent loans to loans | 0.4424% | 3,205 |
| Net loans and leases to total assets | 54.0266% | 4,278 |
| Net loans and leases to deposits | 63.6144% | 4,231 |
| Net loans and leases to core deposits | 66.0062% | 4,304 |
| Total domestic deposits to total assets | 84.9281% | 2,958 |
| Equity capital to assets | 11.8475% | 1,884 |
| Core capital (leverage) ratio | 12.1662% | 1,552 |
| Tier 1 risk-based capital ratio | 16.1756% | 2,402 |
| Total risk-based capital ratio | 17.4388% | 2,347 |
| Memoranda: | ||
| Average total assets | $300,748,500 | 2,187 |
| Average earning assets | $277,356,000 | 2,195 |
| Average equity | $35,138,000 | 2,092 |
| Average total loans | $168,038,000 | 2,495 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7331% | 4,262 |
| Cost of funding earning assets | 0.2087% | 4,878 |
| Net interest margin | 3.5243% | 3,449 |
| Noninterest income to average assets | 0.5994% | 2,451 |
| Noninterest expense to average assets | 2.5574% | 3,585 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.3015% | 1,218 |
| Return on assets (ROA) | 1.3015% | 1,232 |
| Pretax return on assets | 1.3015% | 2,343 |
| Return on Equity (ROE) | 11.4218% | 1,360 |
| Retained earnings to average equity (ytd only) | 4.7536% | 2,287 |
| Net charge-offs to loans | 0.0446% | 2,897 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 53.2133% | 1,046 |
| Efficiency ratio | 66.2723% | 3,212 |
| Assets per employee ($millions) | 4.5219% | 3,150 |
| Cash dividends to net income (ytd only)* | 58.3814% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2502% | 337 |
| Loan loss allowance to noncurrent loans | 464.2857% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.2732% | 3,793 |
| Noncurrent loans to loans | 0.4846% | 3,063 |
| Net loans and leases to total assets | 55.0988% | 4,265 |
| Net loans and leases to deposits | 67.8623% | 4,038 |
| Net loans and leases to core deposits | 71.3358% | 4,096 |
| Total domestic deposits to total assets | 81.1920% | 4,074 |
| Equity capital to assets | 11.5267% | 2,185 |
| Core capital (leverage) ratio | 11.3753% | 2,036 |
| Tier 1 risk-based capital ratio | 15.0551% | 2,829 |
| Total risk-based capital ratio | 16.3147% | 2,753 |
| Memoranda: | ||
| Average total assets | $306,642,800 | 2,136 |
| Average earning assets | $283,601,400 | 2,136 |
| Average equity | $34,942,000 | 2,086 |
| Average total loans | $168,173,600 | 2,439 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6992% | 4,322 |
| Cost of funding earning assets | 0.2037% | 4,947 |
| Net interest margin | 3.4955% | 3,516 |
| Noninterest income to average assets | 0.5852% | 2,564 |
| Noninterest expense to average assets | 2.5802% | 3,467 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2461% | 1,524 |
| Return on assets (ROA) | 1.2461% | 1,547 |
| Pretax return on assets | 1.2461% | 2,730 |
| Return on Equity (ROE) | 10.9676% | 1,715 |
| Retained earnings to average equity (ytd only) | 4.7256% | 3,068 |
| Net charge-offs to loans | 0.0288% | 2,855 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 79.5535% | 816 |
| Efficiency ratio | 67.4323% | 2,977 |
| Assets per employee ($millions) | 4.8050% | 2,691 |
| Cash dividends to net income (ytd only)* | 56.9135% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2956% | 343 |
| Loan loss allowance to noncurrent loans | 2,679.5918% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0478% | 4,993 |
| Noncurrent loans to loans | 0.0857% | 4,729 |
| Net loans and leases to total assets | 54.5163% | 4,371 |
| Net loans and leases to deposits | 67.4063% | 4,153 |
| Net loans and leases to core deposits | 72.7215% | 4,087 |
| Total domestic deposits to total assets | 80.8772% | 4,084 |
| Equity capital to assets | 11.7301% | 2,165 |
| Core capital (leverage) ratio | 11.0262% | 2,430 |
| Tier 1 risk-based capital ratio | 15.6879% | 2,636 |
| Total risk-based capital ratio | 16.9493% | 2,570 |
| Memoranda: | ||
| Average total assets | $306,432,000 | 2,147 |
| Average earning assets | $284,127,500 | 2,147 |
| Average equity | $34,816,750 | 2,100 |
| Average total loans | $166,886,750 | 2,468 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6498% | 4,363 |
| Cost of funding earning assets | 0.1853% | 5,103 |
| Net interest margin | 3.4644% | 3,527 |
| Noninterest income to average assets | 0.5842% | 2,538 |
| Noninterest expense to average assets | 2.5314% | 3,652 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2651% | 1,390 |
| Return on assets (ROA) | 1.2651% | 1,420 |
| Pretax return on assets | 1.2651% | 2,516 |
| Return on Equity (ROE) | 11.2564% | 1,550 |
| Retained earnings to average equity (ytd only) | 5.2677% | 2,539 |
| Net charge-offs to loans | 0.0290% | 2,626 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 80.6667% | 764 |
| Efficiency ratio | 66.6781% | 3,232 |
| Assets per employee ($millions) | 4.6643% | 2,839 |
| Cash dividends to net income (ytd only)* | 53.2025% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3291% | 361 |
| Loan loss allowance to noncurrent loans | 1,681.2766% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0841% | 4,859 |
| Noncurrent loans to loans | 0.1385% | 4,560 |
| Net loans and leases to total assets | 53.8219% | 4,405 |
| Net loans and leases to deposits | 66.2781% | 4,202 |
| Net loans and leases to core deposits | 70.2998% | 4,205 |
| Total domestic deposits to total assets | 81.2062% | 4,129 |
| Equity capital to assets | 11.6625% | 2,180 |
| Core capital (leverage) ratio | 10.9482% | 2,459 |
| Tier 1 risk-based capital ratio | 15.5732% | 2,677 |
| Total risk-based capital ratio | 16.8340% | 2,603 |
| Memoranda: | ||
| Average total assets | $306,070,330 | 2,156 |
| Average earning assets | $283,798,000 | 2,151 |
| Average equity | $34,398,330 | 2,121 |
| Average total loans | $165,320,330 | 2,489 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5795% | 4,476 |
| Cost of funding earning assets | 0.1645% | 5,271 |
| Net interest margin | 3.4150% | 3,600 |
| Noninterest income to average assets | 0.5741% | 2,541 |
| Noninterest expense to average assets | 2.6292% | 3,382 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1010% | 1,864 |
| Return on assets (ROA) | 1.1010% | 1,907 |
| Pretax return on assets | 1.1010% | 2,980 |
| Return on Equity (ROE) | 9.9862% | 1,971 |
| Retained earnings to average equity (ytd only) | 9.9862% | 811 |
| Net charge-offs to loans | -0.0025% | 4,029 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4849% | 2,819 |
| Assets per employee ($millions) | 4.7957% | 2,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4198% | 345 |
| Loan loss allowance to noncurrent loans | 1,728.6957% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0749% | 4,975 |
| Noncurrent loans to loans | 0.1400% | 4,635 |
| Net loans and leases to total assets | 52.2393% | 4,494 |
| Net loans and leases to deposits | 61.9847% | 4,433 |
| Net loans and leases to core deposits | 63.3493% | 4,573 |
| Total domestic deposits to total assets | 84.2778% | 3,368 |
| Equity capital to assets | 11.1598% | 2,468 |
| Core capital (leverage) ratio | 10.9565% | 2,401 |
| Tier 1 risk-based capital ratio | 16.5335% | 2,347 |
| Total risk-based capital ratio | 17.7974% | 2,290 |
| Memoranda: | ||
| Average total assets | $305,185,000 | 2,179 |
| Average earning assets | $282,051,500 | 2,183 |
| Average equity | $33,646,500 | 2,167 |
| Average total loans | $163,162,000 | 2,533 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6984% | 4,212 |
| Cost of funding earning assets | 0.1873% | 5,136 |
| Net interest margin | 3.5111% | 3,384 |
| Noninterest income to average assets | 0.6775% | 2,280 |
| Noninterest expense to average assets | 2.5566% | 3,819 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.3610% | 1,075 |
| Return on assets (ROA) | 1.3905% | 1,060 |
| Pretax return on assets | 1.3905% | 1,980 |
| Return on Equity (ROE) | 12.0873% | 1,216 |
| Retained earnings to average equity (ytd only) | 5.4789% | 2,026 |
| Net charge-offs to loans | -0.0211% | 5,146 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2590% | 3,717 |
| Assets per employee ($millions) | 4.5977% | 2,962 |
| Cash dividends to net income (ytd only)* | 54.6724% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4535% | 330 |
| Loan loss allowance to noncurrent loans | 1,361.3014% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.1012% | 4,915 |
| Noncurrent loans to loans | 0.1802% | 4,514 |
| Net loans and leases to total assets | 52.0811% | 4,601 |
| Net loans and leases to deposits | 61.4154% | 4,581 |
| Net loans and leases to core deposits | 63.6166% | 4,659 |
| Total domestic deposits to total assets | 84.8013% | 3,132 |
| Equity capital to assets | 10.8885% | 2,725 |
| Core capital (leverage) ratio | 10.8842% | 2,451 |
| Tier 1 risk-based capital ratio | 16.2156% | 2,468 |
| Total risk-based capital ratio | 17.4793% | 2,400 |
| Memoranda: | ||
| Average total assets | $298,600,000 | 2,172 |
| Average earning assets | $275,553,000 | 2,175 |
| Average equity | $34,350,200 | 2,117 |
| Average total loans | $165,522,800 | 2,460 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7331% | 4,133 |
| Cost of funding earning assets | 0.1890% | 5,188 |
| Net interest margin | 3.5441% | 3,297 |
| Noninterest income to average assets | 0.6290% | 2,527 |
| Noninterest expense to average assets | 2.6353% | 3,554 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2724% | 1,376 |
| Return on assets (ROA) | 1.3033% | 1,374 |
| Pretax return on assets | 1.3033% | 2,418 |
| Return on Equity (ROE) | 11.1770% | 1,604 |
| Retained earnings to average equity (ytd only) | 4.7561% | 2,983 |
| Net charge-offs to loans | -0.0040% | 4,576 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4392% | 3,332 |
| Assets per employee ($millions) | 4.2690% | 3,466 |
| Cash dividends to net income (ytd only)* | 57.4476% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3329% | 417 |
| Loan loss allowance to noncurrent loans | 1,074.9319% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.1246% | 4,925 |
| Noncurrent loans to loans | 0.2170% | 4,489 |
| Net loans and leases to total assets | 56.0685% | 4,301 |
| Net loans and leases to deposits | 68.1495% | 4,135 |
| Net loans and leases to core deposits | 71.7884% | 4,177 |
| Total domestic deposits to total assets | 82.2727% | 3,851 |
| Equity capital to assets | 12.1091% | 2,035 |
| Core capital (leverage) ratio | 10.9474% | 2,506 |
| Tier 1 risk-based capital ratio | 15.7590% | 2,721 |
| Total risk-based capital ratio | 17.0212% | 2,651 |
| Memoranda: | ||
| Average total assets | $297,388,000 | 2,185 |
| Average earning assets | $275,115,750 | 2,188 |
| Average equity | $34,677,500 | 2,103 |
| Average total loans | $166,400,000 | 2,454 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7304% | 4,188 |
| Cost of funding earning assets | 0.1878% | 5,253 |
| Net interest margin | 3.5426% | 3,317 |
| Noninterest income to average assets | 0.6241% | 2,489 |
| Noninterest expense to average assets | 2.6219% | 3,653 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2778% | 1,340 |
| Return on assets (ROA) | 1.3187% | 1,318 |
| Pretax return on assets | 1.3187% | 2,333 |
| Return on Equity (ROE) | 11.4537% | 1,493 |
| Retained earnings to average equity (ytd only) | 4.9902% | 2,747 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2340% | 3,497 |
| Assets per employee ($millions) | 4.2978% | 3,374 |
| Cash dividends to net income (ytd only)* | 56.4311% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3759% | 417 |
| Loan loss allowance to noncurrent loans | 812.5773% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.1635% | 4,854 |
| Noncurrent loans to loans | 0.2924% | 4,321 |
| Net loans and leases to total assets | 54.6058% | 4,449 |
| Net loans and leases to deposits | 66.0028% | 4,347 |
| Net loans and leases to core deposits | 69.0586% | 4,401 |
| Total domestic deposits to total assets | 82.7326% | 3,751 |
| Equity capital to assets | 11.9792% | 2,138 |
| Core capital (leverage) ratio | 10.6495% | 2,794 |
| Tier 1 risk-based capital ratio | 15.6414% | 2,805 |
| Total risk-based capital ratio | 16.9024% | 2,736 |
| Memoranda: | ||
| Average total assets | $298,329,670 | 2,196 |
| Average earning assets | $275,839,330 | 2,196 |
| Average equity | $34,347,000 | 2,130 |
| Average total loans | $165,499,330 | 2,471 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7373% | 4,180 |
| Cost of funding earning assets | 0.1881% | 5,302 |
| Net interest margin | 3.5492% | 3,282 |
| Noninterest income to average assets | 0.6163% | 2,437 |
| Noninterest expense to average assets | 2.7338% | 3,296 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1617% | 1,669 |
| Return on assets (ROA) | 1.2045% | 1,644 |
| Pretax return on assets | 1.2045% | 2,681 |
| Return on Equity (ROE) | 10.6758% | 1,724 |
| Retained earnings to average equity (ytd only) | 3.5665% | 3,711 |
| Net charge-offs to loans | -0.0097% | 4,521 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1784% | 3,087 |
| Assets per employee ($millions) | 4.3064% | 3,398 |
| Cash dividends to net income (ytd only)* | 66.5927% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4006% | 441 |
| Loan loss allowance to noncurrent loans | 1,418.7050% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0922% | 5,215 |
| Noncurrent loans to loans | 0.1692% | 4,812 |
| Net loans and leases to total assets | 53.1929% | 4,519 |
| Net loans and leases to deposits | 63.8626% | 4,453 |
| Net loans and leases to core deposits | 66.8724% | 4,481 |
| Total domestic deposits to total assets | 83.2928% | 3,796 |
| Equity capital to assets | 11.3389% | 2,583 |
| Core capital (leverage) ratio | 10.3513% | 3,125 |
| Tier 1 risk-based capital ratio | 15.2568% | 3,038 |
| Total risk-based capital ratio | 16.5184% | 2,974 |
| Memoranda: | ||
| Average total assets | $299,221,000 | 2,195 |
| Average earning assets | $276,454,500 | 2,203 |
| Average equity | $33,758,500 | 2,158 |
| Average total loans | $165,312,500 | 2,463 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6724% | 4,451 |
| Cost of funding earning assets | 0.2292% | 5,014 |
| Net interest margin | 3.4432% | 3,746 |
| Noninterest income to average assets | 0.6474% | 2,471 |
| Noninterest expense to average assets | 2.5147% | 4,183 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3066% | 1,252 |
| Return on assets (ROA) | 1.3628% | 1,163 |
| Pretax return on assets | 1.3628% | 2,061 |
| Return on Equity (ROE) | 12.6799% | 1,132 |
| Retained earnings to average equity (ytd only) | 5.1888% | 2,288 |
| Net charge-offs to loans | -0.0232% | 5,319 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8067% | 3,936 |
| Assets per employee ($millions) | 4.3675% | 3,272 |
| Cash dividends to net income (ytd only)* | 59.0789% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3694% | 474 |
| Loan loss allowance to noncurrent loans | 293.0112% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.4529% | 3,798 |
| Noncurrent loans to loans | 0.8086% | 2,764 |
| Net loans and leases to total assets | 54.6782% | 4,430 |
| Net loans and leases to deposits | 65.7005% | 4,340 |
| Net loans and leases to core deposits | 67.8414% | 4,459 |
| Total domestic deposits to total assets | 83.2235% | 3,761 |
| Equity capital to assets | 11.2245% | 2,615 |
| Core capital (leverage) ratio | 10.5086% | 2,917 |
| Tier 1 risk-based capital ratio | 15.0283% | 3,171 |
| Total risk-based capital ratio | 16.2892% | 3,095 |
| Memoranda: | ||
| Average total assets | $304,296,000 | 2,122 |
| Average earning assets | $280,494,800 | 2,133 |
| Average equity | $32,705,200 | 2,160 |
| Average total loans | $164,087,000 | 2,413 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6729% | 4,511 |
| Cost of funding earning assets | 0.2294% | 5,098 |
| Net interest margin | 3.4436% | 3,778 |
| Noninterest income to average assets | 0.6481% | 2,496 |
| Noninterest expense to average assets | 2.4848% | 4,245 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3415% | 1,244 |
| Return on assets (ROA) | 1.4086% | 1,133 |
| Pretax return on assets | 1.4086% | 1,980 |
| Return on Equity (ROE) | 13.2480% | 1,068 |
| Retained earnings to average equity (ytd only) | 5.6695% | 2,478 |
| Net charge-offs to loans | -0.0245% | 5,269 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9402% | 4,074 |
| Assets per employee ($millions) | 4.4022% | 3,167 |
| Cash dividends to net income (ytd only)* | 57.2048% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4025% | 502 |
| Loan loss allowance to noncurrent loans | 290.1845% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.4594% | 3,958 |
| Noncurrent loans to loans | 0.8279% | 2,898 |
| Net loans and leases to total assets | 54.1567% | 4,553 |
| Net loans and leases to deposits | 67.5558% | 4,233 |
| Net loans and leases to core deposits | 69.8583% | 4,381 |
| Total domestic deposits to total assets | 80.1659% | 4,705 |
| Equity capital to assets | 11.1688% | 2,826 |
| Core capital (leverage) ratio | 10.2226% | 3,344 |
| Tier 1 risk-based capital ratio | 15.3912% | 3,098 |
| Total risk-based capital ratio | 16.6526% | 3,018 |
| Memoranda: | ||
| Average total assets | $306,122,000 | 2,126 |
| Average earning assets | $282,528,750 | 2,129 |
| Average equity | $32,547,500 | 2,185 |
| Average total loans | $163,526,000 | 2,439 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6453% | 4,592 |
| Cost of funding earning assets | 0.2225% | 5,229 |
| Net interest margin | 3.4228% | 3,820 |
| Noninterest income to average assets | 0.6319% | 2,569 |
| Noninterest expense to average assets | 2.5006% | 4,243 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2890% | 1,356 |
| Return on assets (ROA) | 1.3445% | 1,249 |
| Pretax return on assets | 1.3445% | 2,195 |
| Return on Equity (ROE) | 12.8517% | 1,145 |
| Retained earnings to average equity (ytd only) | 5.4479% | 2,568 |
| Net charge-offs to loans | -0.0024% | 4,610 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9854% | 4,009 |
| Assets per employee ($millions) | 4.8088% | 2,527 |
| Cash dividends to net income (ytd only)* | 57.6092% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3891% | 560 |
| Loan loss allowance to noncurrent loans | 274.3500% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.4697% | 4,052 |
| Noncurrent loans to loans | 0.8708% | 2,954 |
| Net loans and leases to total assets | 52.6487% | 4,691 |
| Net loans and leases to deposits | 64.7083% | 4,466 |
| Net loans and leases to core deposits | 67.2533% | 4,553 |
| Total domestic deposits to total assets | 81.3632% | 4,500 |
| Equity capital to assets | 10.5920% | 3,336 |
| Core capital (leverage) ratio | 9.8144% | 3,843 |
| Tier 1 risk-based capital ratio | 14.9859% | 3,365 |
| Total risk-based capital ratio | 16.2472% | 3,292 |
| Memoranda: | ||
| Average total assets | $309,847,330 | 2,124 |
| Average earning assets | $285,848,000 | 2,123 |
| Average equity | $32,416,000 | 2,203 |
| Average total loans | $163,479,670 | 2,445 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6332% | 4,581 |
| Cost of funding earning assets | 0.2177% | 5,340 |
| Net interest margin | 3.4155% | 3,783 |
| Noninterest income to average assets | 0.5873% | 2,720 |
| Noninterest expense to average assets | 2.4412% | 4,470 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2908% | 1,305 |
| Return on assets (ROA) | 1.3214% | 1,288 |
| Pretax return on assets | 1.3214% | 2,194 |
| Return on Equity (ROE) | 12.7074% | 1,161 |
| Retained earnings to average equity (ytd only) | 12.7074% | 478 |
| Net charge-offs to loans | -0.0024% | 4,369 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4122% | 4,252 |
| Assets per employee ($millions) | 4.8142% | 2,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4267% | 589 |
| Loan loss allowance to noncurrent loans | 270.2909% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.4687% | 4,153 |
| Noncurrent loans to loans | 0.8978% | 2,989 |
| Net loans and leases to total assets | 50.9344% | 4,752 |
| Net loans and leases to deposits | 61.5414% | 4,619 |
| Net loans and leases to core deposits | 64.1305% | 4,686 |
| Total domestic deposits to total assets | 82.7645% | 4,247 |
| Equity capital to assets | 10.8017% | 3,192 |
| Core capital (leverage) ratio | 9.6776% | 4,042 |
| Tier 1 risk-based capital ratio | 14.7901% | 3,549 |
| Total risk-based capital ratio | 16.0504% | 3,474 |
| Memoranda: | ||
| Average total assets | $313,293,500 | 2,117 |
| Average earning assets | $288,448,000 | 2,124 |
| Average equity | $32,579,500 | 2,203 |
| Average total loans | $163,516,500 | 2,450 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9069% | 4,103 |
| Cost of funding earning assets | 0.2277% | 5,541 |
| Net interest margin | 3.6792% | 3,086 |
| Noninterest income to average assets | 0.6296% | 2,682 |
| Noninterest expense to average assets | 2.5779% | 4,302 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.4529% | 975 |
| Return on assets (ROA) | 1.5007% | 913 |
| Pretax return on assets | 1.5007% | 1,540 |
| Return on Equity (ROE) | 15.6616% | 668 |
| Retained earnings to average equity (ytd only) | 5.9085% | 1,979 |
| Net charge-offs to loans | -0.1047% | 6,123 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9551% | 4,592 |
| Assets per employee ($millions) | 4.6156% | 2,847 |
| Cash dividends to net income (ytd only)* | 62.2742% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3478% | 676 |
| Loan loss allowance to noncurrent loans | 250.6101% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.4889% | 4,169 |
| Noncurrent loans to loans | 0.9368% | 2,976 |
| Net loans and leases to total assets | 50.9594% | 4,874 |
| Net loans and leases to deposits | 62.9033% | 4,647 |
| Net loans and leases to core deposits | 65.4268% | 4,716 |
| Total domestic deposits to total assets | 81.0122% | 4,749 |
| Equity capital to assets | 10.0095% | 4,102 |
| Core capital (leverage) ratio | 9.4250% | 4,346 |
| Tier 1 risk-based capital ratio | 14.4990% | 3,778 |
| Total risk-based capital ratio | 15.7629% | 3,711 |
| Memoranda: | ||
| Average total assets | $313,512,400 | 2,070 |
| Average earning assets | $289,821,400 | 2,068 |
| Average equity | $30,041,600 | 2,267 |
| Average total loans | $164,232,200 | 2,385 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9207% | 4,095 |
| Cost of funding earning assets | 0.2282% | 5,608 |
| Net interest margin | 3.6926% | 3,056 |
| Noninterest income to average assets | 0.6191% | 2,752 |
| Noninterest expense to average assets | 2.5413% | 4,389 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5051% | 934 |
| Return on assets (ROA) | 1.5670% | 849 |
| Pretax return on assets | 1.5670% | 1,430 |
| Return on Equity (ROE) | 16.5409% | 610 |
| Retained earnings to average equity (ytd only) | 7.1662% | 1,731 |
| Net charge-offs to loans | 0.0611% | 3,335 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 46.9988% | 1,015 |
| Efficiency ratio | 62.8047% | 4,763 |
| Assets per employee ($millions) | 4.6286% | 2,766 |
| Cash dividends to net income (ytd only)* | 56.6757% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2088% | 934 |
| Loan loss allowance to noncurrent loans | 823.1982% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.1432% | 5,614 |
| Noncurrent loans to loans | 0.2683% | 5,112 |
| Net loans and leases to total assets | 52.1810% | 4,787 |
| Net loans and leases to deposits | 64.0300% | 4,534 |
| Net loans and leases to core deposits | 67.2768% | 4,583 |
| Total domestic deposits to total assets | 81.4946% | 4,664 |
| Equity capital to assets | 10.0221% | 4,138 |
| Core capital (leverage) ratio | 9.2935% | 4,647 |
| Tier 1 risk-based capital ratio | 14.5791% | 3,832 |
| Total risk-based capital ratio | 15.8423% | 3,760 |
| Memoranda: | ||
| Average total assets | $312,270,750 | 2,092 |
| Average earning assets | $289,836,750 | 2,084 |
| Average equity | $29,582,500 | 2,305 |
| Average total loans | $163,741,000 | 2,404 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9857% | 3,785 |
| Cost of funding earning assets | 0.2261% | 5,695 |
| Net interest margin | 3.7595% | 2,718 |
| Noninterest income to average assets | 0.6051% | 2,792 |
| Noninterest expense to average assets | 2.5534% | 4,399 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5362% | 819 |
| Return on assets (ROA) | 1.5988% | 736 |
| Pretax return on assets | 1.5988% | 1,252 |
| Return on Equity (ROE) | 17.2057% | 534 |
| Retained earnings to average equity (ytd only) | 7.6814% | 1,444 |
| Net charge-offs to loans | 0.0907% | 2,775 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 32.4865% | 1,197 |
| Efficiency ratio | 62.4375% | 4,953 |
| Assets per employee ($millions) | 4.4884% | 2,939 |
| Cash dividends to net income (ytd only)* | 55.3557% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2339% | 977 |
| Loan loss allowance to noncurrent loans | 567.8571% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.2654% | 5,297 |
| Noncurrent loans to loans | 0.3934% | 4,813 |
| Net loans and leases to total assets | 51.6789% | 4,778 |
| Net loans and leases to deposits | 63.2558% | 4,568 |
| Net loans and leases to core deposits | 65.4376% | 4,691 |
| Total domestic deposits to total assets | 81.6982% | 4,750 |
| Equity capital to assets | 9.8632% | 4,278 |
| Core capital (leverage) ratio | 9.0263% | 4,981 |
| Tier 1 risk-based capital ratio | 14.4978% | 3,934 |
| Total risk-based capital ratio | 15.7612% | 3,866 |
| Memoranda: | ||
| Average total assets | $312,989,330 | 2,089 |
| Average earning assets | $290,088,330 | 2,074 |
| Average equity | $29,083,330 | 2,331 |
| Average total loans | $163,162,670 | 2,415 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2082% | 2,844 |
| Cost of funding earning assets | 0.2226% | 5,823 |
| Net interest margin | 3.9856% | 1,817 |
| Noninterest income to average assets | 0.5517% | 3,038 |
| Noninterest expense to average assets | 2.4854% | 4,667 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7544% | 520 |
| Return on assets (ROA) | 1.7887% | 512 |
| Pretax return on assets | 1.7887% | 814 |
| Return on Equity (ROE) | 19.8505% | 301 |
| Retained earnings to average equity (ytd only) | 19.8505% | 126 |
| Net charge-offs to loans | -0.0147% | 5,198 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6207% | 5,589 |
| Assets per employee ($millions) | 4.5298% | 2,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3607% | 953 |
| Loan loss allowance to noncurrent loans | 388.4615% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.3395% | 5,125 |
| Noncurrent loans to loans | 0.6077% | 4,338 |
| Net loans and leases to total assets | 49.4513% | 4,957 |
| Net loans and leases to deposits | 58.8559% | 4,856 |
| Net loans and leases to core deposits | 60.3360% | 5,007 |
| Total domestic deposits to total assets | 84.0210% | 4,264 |
| Equity capital to assets | 9.4649% | 4,543 |
| Core capital (leverage) ratio | 8.9616% | 5,070 |
| Tier 1 risk-based capital ratio | 14.7139% | 3,876 |
| Total risk-based capital ratio | 15.9786% | 3,822 |
| Memoranda: | ||
| Average total assets | $314,635,500 | 2,085 |
| Average earning assets | $291,148,000 | 2,070 |
| Average equity | $28,352,000 | 2,380 |
| Average total loans | $162,891,500 | 2,422 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6445% | 5,293 |
| Cost of funding earning assets | 0.2784% | 5,771 |
| Net interest margin | 3.3661% | 4,417 |
| Noninterest income to average assets | 0.6288% | 2,924 |
| Noninterest expense to average assets | 2.5436% | 4,631 |
| Loan and lease loss provision to assets | -0.1125% | 6,501 |
| Net operating income to assets | 1.3094% | 1,226 |
| Return on assets (ROA) | 1.3508% | 1,175 |
| Pretax return on assets | 1.3508% | 1,967 |
| Return on Equity (ROE) | 14.9422% | 777 |
| Retained earnings to average equity (ytd only) | 5.6122% | 2,206 |
| Net charge-offs to loans | -0.0515% | 6,343 |
| Credit loss provision to net charge-offs | 432.0988% | 529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0010% | 4,199 |
| Assets per employee ($millions) | 4.5901% | 2,735 |
| Cash dividends to net income (ytd only)* | 62.4405% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2277% | 1,141 |
| Loan loss allowance to noncurrent loans | 266.6905% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.4730% | 4,819 |
| Noncurrent loans to loans | 0.8353% | 3,889 |
| Net loans and leases to total assets | 51.7033% | 4,894 |
| Net loans and leases to deposits | 64.1153% | 4,494 |
| Net loans and leases to core deposits | 65.6285% | 4,727 |
| Total domestic deposits to total assets | 80.6411% | 5,283 |
| Equity capital to assets | 8.5632% | 5,512 |
| Core capital (leverage) ratio | 8.2078% | 5,964 |
| Tier 1 risk-based capital ratio | 13.4737% | 4,670 |
| Total risk-based capital ratio | 14.7371% | 4,604 |
| Memoranda: | ||
| Average total assets | $311,218,200 | 2,072 |
| Average earning assets | $287,691,000 | 2,061 |
| Average equity | $28,135,000 | 2,369 |
| Average total loans | $157,148,400 | 2,463 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5688% | 5,528 |
| Cost of funding earning assets | 0.2865% | 5,841 |
| Net interest margin | 3.2822% | 4,709 |
| Noninterest income to average assets | 0.6063% | 3,109 |
| Noninterest expense to average assets | 2.4683% | 4,815 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1743% | 1,726 |
| Return on assets (ROA) | 1.2083% | 1,680 |
| Pretax return on assets | 1.2083% | 2,660 |
| Return on Equity (ROE) | 13.1881% | 1,195 |
| Retained earnings to average equity (ytd only) | 4.6168% | 3,382 |
| Net charge-offs to loans | -0.0492% | 6,303 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7614% | 4,137 |
| Assets per employee ($millions) | 4.5305% | 2,836 |
| Cash dividends to net income (ytd only)* | 64.9927% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4417% | 997 |
| Loan loss allowance to noncurrent loans | 312.0000% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.6146% | 4,594 |
| Noncurrent loans to loans | 0.7826% | 4,282 |
| Net loans and leases to total assets | 51.1016% | 4,995 |
| Net loans and leases to deposits | 63.8573% | 4,536 |
| Net loans and leases to core deposits | 65.8910% | 4,724 |
| Total domestic deposits to total assets | 80.0246% | 5,502 |
| Equity capital to assets | 8.4510% | 5,787 |
| Core capital (leverage) ratio | 8.3831% | 5,876 |
| Tier 1 risk-based capital ratio | 13.2266% | 4,966 |
| Total risk-based capital ratio | 14.4867% | 4,893 |
| Memoranda: | ||
| Average total assets | $309,843,500 | 2,088 |
| Average earning assets | $286,627,750 | 2,084 |
| Average equity | $28,388,500 | 2,379 |
| Average total loans | $154,564,500 | 2,508 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5432% | 5,600 |
| Cost of funding earning assets | 0.2951% | 5,866 |
| Net interest margin | 3.2481% | 4,776 |
| Noninterest income to average assets | 0.5790% | 3,323 |
| Noninterest expense to average assets | 2.5022% | 4,719 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0767% | 2,007 |
| Return on assets (ROA) | 1.1190% | 1,983 |
| Pretax return on assets | 1.1190% | 3,018 |
| Return on Equity (ROE) | 11.8958% | 1,526 |
| Retained earnings to average equity (ytd only) | 4.2880% | 3,563 |
| Net charge-offs to loans | -0.0902% | 6,477 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9146% | 3,846 |
| Assets per employee ($millions) | 4.2775% | 3,211 |
| Cash dividends to net income (ytd only)* | 63.9535% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6385% | 840 |
| Loan loss allowance to noncurrent loans | 256.1713% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.6059% | 4,728 |
| Noncurrent loans to loans | 1.0300% | 3,872 |
| Net loans and leases to total assets | 49.4266% | 5,170 |
| Net loans and leases to deposits | 58.5589% | 5,111 |
| Net loans and leases to core deposits | 60.9922% | 5,173 |
| Total domestic deposits to total assets | 84.4050% | 4,165 |
| Equity capital to assets | 8.8894% | 5,339 |
| Core capital (leverage) ratio | 8.4572% | 5,717 |
| Tier 1 risk-based capital ratio | 13.7837% | 4,583 |
| Total risk-based capital ratio | 15.0451% | 4,537 |
| Memoranda: | ||
| Average total assets | $307,413,000 | 2,105 |
| Average earning assets | $283,924,000 | 2,102 |
| Average equity | $28,917,670 | 2,352 |
| Average total loans | $150,713,670 | 2,561 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4842% | 5,747 |
| Cost of funding earning assets | 0.3031% | 5,944 |
| Net interest margin | 3.1811% | 4,990 |
| Noninterest income to average assets | 0.5161% | 3,667 |
| Noninterest expense to average assets | 2.4471% | 4,956 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0011% | 2,220 |
| Return on assets (ROA) | 1.0037% | 2,324 |
| Pretax return on assets | 1.0037% | 3,334 |
| Return on Equity (ROE) | 10.3889% | 1,916 |
| Retained earnings to average equity (ytd only) | 3.0256% | 4,471 |
| Net charge-offs to loans | -0.0188% | 5,687 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9677% | 3,795 |
| Assets per employee ($millions) | 4.5526% | 2,882 |
| Cash dividends to net income (ytd only)* | 70.8763% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8299% | 792 |
| Loan loss allowance to noncurrent loans | 180.2880% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.7389% | 4,524 |
| Noncurrent loans to loans | 1.5696% | 3,181 |
| Net loans and leases to total assets | 43.7895% | 5,685 |
| Net loans and leases to deposits | 51.4780% | 5,667 |
| Net loans and leases to core deposits | 52.3807% | 5,793 |
| Total domestic deposits to total assets | 85.0645% | 4,009 |
| Equity capital to assets | 9.4658% | 4,897 |
| Core capital (leverage) ratio | 8.1537% | 5,984 |
| Tier 1 risk-based capital ratio | 14.1392% | 4,401 |
| Total risk-based capital ratio | 15.4012% | 4,357 |
| Memoranda: | ||
| Average total assets | $309,270,000 | 2,127 |
| Average earning assets | $285,059,000 | 2,124 |
| Average equity | $29,878,000 | 2,304 |
| Average total loans | $148,982,500 | 2,595 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0006% | 5,303 |
| Cost of funding earning assets | 0.3980% | 5,936 |
| Net interest margin | 3.6026% | 4,071 |
| Noninterest income to average assets | 0.6616% | 2,927 |
| Noninterest expense to average assets | 2.5654% | 4,880 |
| Loan and lease loss provision to assets | 0.0135% | 5,740 |
| Net operating income to assets | 1.4027% | 1,099 |
| Return on assets (ROA) | 1.5001% | 1,007 |
| Pretax return on assets | 1.5001% | 1,677 |
| Return on Equity (ROE) | 15.0584% | 803 |
| Retained earnings to average equity (ytd only) | 5.7679% | 2,211 |
| Net charge-offs to loans | 0.3459% | 2,905 |
| Credit loss provision to net charge-offs | 7.6482% | 5,419 |
| Earnings coverage of net charge-offs (x) | 8.0019% | 2,493 |
| Efficiency ratio | 64.4314% | 4,811 |
| Assets per employee ($millions) | 4.4117% | 3,123 |
| Cash dividends to net income (ytd only)* | 61.6964% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5569% | 1,066 |
| Loan loss allowance to noncurrent loans | 171.1168% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.8052% | 4,459 |
| Noncurrent loans to loans | 1.4942% | 3,365 |
| Net loans and leases to total assets | 50.0654% | 5,160 |
| Net loans and leases to deposits | 59.4195% | 5,086 |
| Net loans and leases to core deposits | 60.6376% | 5,305 |
| Total domestic deposits to total assets | 84.2574% | 4,202 |
| Equity capital to assets | 9.8620% | 4,364 |
| Core capital (leverage) ratio | 8.5879% | 5,477 |
| Tier 1 risk-based capital ratio | 13.5198% | 4,738 |
| Total risk-based capital ratio | 14.7813% | 4,682 |
| Memoranda: | ||
| Average total assets | $295,510,600 | 2,169 |
| Average earning assets | $272,334,400 | 2,144 |
| Average equity | $29,438,800 | 2,283 |
| Average total loans | $151,193,800 | 2,557 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0643% | 5,307 |
| Cost of funding earning assets | 0.4199% | 5,989 |
| Net interest margin | 3.6444% | 4,031 |
| Noninterest income to average assets | 0.6574% | 2,954 |
| Noninterest expense to average assets | 2.5585% | 4,886 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4647% | 1,086 |
| Return on assets (ROA) | 1.5866% | 971 |
| Pretax return on assets | 1.5866% | 1,615 |
| Return on Equity (ROE) | 15.8850% | 756 |
| Retained earnings to average equity (ytd only) | 6.7818% | 2,236 |
| Net charge-offs to loans | 0.4074% | 2,465 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 7.0349% | 2,671 |
| Efficiency ratio | 63.5932% | 4,873 |
| Assets per employee ($millions) | 4.2866% | 3,301 |
| Cash dividends to net income (ytd only)* | 57.3066% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6579% | 1,023 |
| Loan loss allowance to noncurrent loans | 155.1272% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.9602% | 4,363 |
| Noncurrent loans to loans | 1.7134% | 3,216 |
| Net loans and leases to total assets | 50.5575% | 5,247 |
| Net loans and leases to deposits | 60.7668% | 5,116 |
| Net loans and leases to core deposits | 63.0456% | 5,258 |
| Total domestic deposits to total assets | 83.1992% | 4,564 |
| Equity capital to assets | 10.4463% | 3,905 |
| Core capital (leverage) ratio | 8.7040% | 5,467 |
| Tier 1 risk-based capital ratio | 13.9058% | 4,604 |
| Total risk-based capital ratio | 15.1681% | 4,551 |
| Memoranda: | ||
| Average total assets | $293,285,750 | 2,206 |
| Average earning assets | $270,873,500 | 2,179 |
| Average equity | $29,293,250 | 2,316 |
| Average total loans | $149,891,500 | 2,607 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0920% | 5,344 |
| Cost of funding earning assets | 0.4420% | 6,020 |
| Net interest margin | 3.6500% | 4,039 |
| Noninterest income to average assets | 0.6329% | 3,056 |
| Noninterest expense to average assets | 2.5656% | 4,901 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4332% | 1,120 |
| Return on assets (ROA) | 1.5979% | 938 |
| Pretax return on assets | 1.5979% | 1,554 |
| Return on Equity (ROE) | 16.2448% | 732 |
| Retained earnings to average equity (ytd only) | 6.5588% | 2,354 |
| Net charge-offs to loans | 0.2544% | 3,054 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 11.0842% | 1,995 |
| Efficiency ratio | 64.1593% | 4,871 |
| Assets per employee ($millions) | 4.1245% | 3,619 |
| Cash dividends to net income (ytd only)* | 59.6252% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8874% | 876 |
| Loan loss allowance to noncurrent loans | 119.8269% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 1.2846% | 3,859 |
| Noncurrent loans to loans | 2.4096% | 2,498 |
| Net loans and leases to total assets | 50.7117% | 5,263 |
| Net loans and leases to deposits | 60.6948% | 5,173 |
| Net loans and leases to core deposits | 62.2163% | 5,367 |
| Total domestic deposits to total assets | 83.5519% | 4,509 |
| Equity capital to assets | 10.3000% | 3,936 |
| Core capital (leverage) ratio | 8.4721% | 5,682 |
| Tier 1 risk-based capital ratio | 13.9421% | 4,486 |
| Total risk-based capital ratio | 15.2073% | 4,445 |
| Memoranda: | ||
| Average total assets | $293,883,670 | 2,197 |
| Average earning assets | $271,014,000 | 2,180 |
| Average equity | $28,907,670 | 2,335 |
| Average total loans | $149,390,330 | 2,626 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1046% | 5,437 |
| Cost of funding earning assets | 0.4685% | 6,026 |
| Net interest margin | 3.6361% | 4,106 |
| Noninterest income to average assets | 0.6284% | 3,065 |
| Noninterest expense to average assets | 2.4668% | 5,262 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5208% | 985 |
| Return on assets (ROA) | 1.7057% | 790 |
| Pretax return on assets | 1.7057% | 1,285 |
| Return on Equity (ROE) | 17.7391% | 580 |
| Retained earnings to average equity (ytd only) | 7.9847% | 1,987 |
| Net charge-offs to loans | 0.0454% | 4,065 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 66.7647% | 502 |
| Efficiency ratio | 61.8616% | 5,296 |
| Assets per employee ($millions) | 4.3854% | 3,213 |
| Cash dividends to net income (ytd only)* | 54.9882% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0899% | 770 |
| Loan loss allowance to noncurrent loans | 124.1657% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 1.1926% | 4,135 |
| Noncurrent loans to loans | 2.4885% | 2,616 |
| Net loans and leases to total assets | 45.6185% | 5,827 |
| Net loans and leases to deposits | 54.6375% | 5,742 |
| Net loans and leases to core deposits | 56.5815% | 5,853 |
| Total domestic deposits to total assets | 83.4932% | 4,715 |
| Equity capital to assets | 9.3714% | 5,001 |
| Core capital (leverage) ratio | 7.9294% | 6,312 |
| Tier 1 risk-based capital ratio | 13.6328% | 4,726 |
| Total risk-based capital ratio | 14.8991% | 4,703 |
| Memoranda: | ||
| Average total assets | $298,529,000 | 2,175 |
| Average earning assets | $275,787,500 | 2,159 |
| Average equity | $28,705,000 | 2,344 |
| Average total loans | $149,779,000 | 2,635 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6030% | 4,671 |
| Cost of funding earning assets | 0.6043% | 6,071 |
| Net interest margin | 3.9986% | 2,884 |
| Noninterest income to average assets | 0.6510% | 2,878 |
| Noninterest expense to average assets | 2.7881% | 4,389 |
| Loan and lease loss provision to assets | -0.1784% | 7,300 |
| Net operating income to assets | 1.7277% | 528 |
| Return on assets (ROA) | 1.7541% | 540 |
| Pretax return on assets | 1.7541% | 889 |
| Return on Equity (ROE) | 18.0348% | 379 |
| Retained earnings to average equity (ytd only) | 5.1921% | 2,511 |
| Net charge-offs to loans | -1.2364% | 7,310 |
| Credit loss provision to net charge-offs | 26.6809% | 5,833 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2804% | 5,073 |
| Assets per employee ($millions) | 4.1440% | 3,563 |
| Cash dividends to net income (ytd only)* | 71.2106% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8899% | 901 |
| Loan loss allowance to noncurrent loans | 123.5116% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 1.2559% | 4,134 |
| Noncurrent loans to loans | 2.3398% | 2,806 |
| Net loans and leases to total assets | 51.9074% | 5,326 |
| Net loans and leases to deposits | 63.9366% | 5,018 |
| Net loans and leases to core deposits | 66.2919% | 5,219 |
| Total domestic deposits to total assets | 81.1857% | 5,392 |
| Equity capital to assets | 9.8738% | 4,336 |
| Core capital (leverage) ratio | 8.1033% | 6,139 |
| Tier 1 risk-based capital ratio | 12.7011% | 5,305 |
| Total risk-based capital ratio | 13.9660% | 5,272 |
| Memoranda: | ||
| Average total assets | $280,193,400 | 2,267 |
| Average earning assets | $258,312,600 | 2,247 |
| Average equity | $27,252,800 | 2,375 |
| Average total loans | $151,573,800 | 2,621 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5576% | 5,051 |
| Cost of funding earning assets | 0.6325% | 6,120 |
| Net interest margin | 3.9251% | 3,248 |
| Noninterest income to average assets | 0.6524% | 2,860 |
| Noninterest expense to average assets | 2.6803% | 4,802 |
| Loan and lease loss provision to assets | 0.2160% | 3,854 |
| Net operating income to assets | 1.3788% | 1,205 |
| Return on assets (ROA) | 1.4143% | 1,201 |
| Pretax return on assets | 1.4143% | 1,903 |
| Return on Equity (ROE) | 14.5989% | 923 |
| Retained earnings to average equity (ytd only) | 4.6879% | 3,390 |
| Net charge-offs to loans | -0.0442% | 7,030 |
| Credit loss provision to net charge-offs | -900.0000% | 6,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6951% | 5,293 |
| Assets per employee ($millions) | 4.0837% | 3,667 |
| Cash dividends to net income (ytd only)* | 67.8887% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3202% | 1,656 |
| Loan loss allowance to noncurrent loans | 114.3219% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 1.1373% | 4,512 |
| Noncurrent loans to loans | 2.0295% | 3,330 |
| Net loans and leases to total assets | 53.1372% | 5,297 |
| Net loans and leases to deposits | 67.2675% | 4,729 |
| Net loans and leases to core deposits | 70.9102% | 4,843 |
| Total domestic deposits to total assets | 78.9940% | 5,986 |
| Equity capital to assets | 9.9305% | 4,435 |
| Core capital (leverage) ratio | 8.0667% | 6,325 |
| Tier 1 risk-based capital ratio | 12.4393% | 5,543 |
| Total risk-based capital ratio | 13.6985% | 5,532 |
| Memoranda: | ||
| Average total assets | $277,721,250 | 2,295 |
| Average earning assets | $256,328,500 | 2,274 |
| Average equity | $26,905,500 | 2,402 |
| Average total loans | $150,703,500 | 2,649 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5710% | 5,095 |
| Cost of funding earning assets | 0.6515% | 6,221 |
| Net interest margin | 3.9194% | 3,217 |
| Noninterest income to average assets | 0.6632% | 2,746 |
| Noninterest expense to average assets | 2.7701% | 4,543 |
| Loan and lease loss provision to assets | 0.2182% | 3,736 |
| Net operating income to assets | 1.2887% | 1,351 |
| Return on assets (ROA) | 1.3425% | 1,285 |
| Pretax return on assets | 1.3425% | 1,991 |
| Return on Equity (ROE) | 13.9787% | 986 |
| Retained earnings to average equity (ytd only) | 4.8918% | 3,066 |
| Net charge-offs to loans | -0.1060% | 7,177 |
| Credit loss provision to net charge-offs | -379.7468% | 6,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7679% | 5,097 |
| Assets per employee ($millions) | 3.9126% | 3,960 |
| Cash dividends to net income (ytd only)* | 65.0054% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3571% | 1,655 |
| Loan loss allowance to noncurrent loans | 109.1393% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 1.1903% | 4,513 |
| Noncurrent loans to loans | 2.1597% | 3,271 |
| Net loans and leases to total assets | 52.7424% | 5,469 |
| Net loans and leases to deposits | 65.2361% | 5,110 |
| Net loans and leases to core deposits | 68.9951% | 5,188 |
| Total domestic deposits to total assets | 80.8485% | 5,584 |
| Equity capital to assets | 9.9920% | 4,165 |
| Core capital (leverage) ratio | 8.1614% | 6,085 |
| Tier 1 risk-based capital ratio | 12.6752% | 5,198 |
| Total risk-based capital ratio | 13.9343% | 5,159 |
| Memoranda: | ||
| Average total assets | $275,009,670 | 2,327 |
| Average earning assets | $253,556,670 | 2,299 |
| Average equity | $26,411,670 | 2,432 |
| Average total loans | $149,103,330 | 2,698 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5490% | 5,177 |
| Cost of funding earning assets | 0.6771% | 6,261 |
| Net interest margin | 3.8719% | 3,287 |
| Noninterest income to average assets | 0.6822% | 2,668 |
| Noninterest expense to average assets | 2.7448% | 4,660 |
| Loan and lease loss provision to assets | 0.2177% | 3,476 |
| Net operating income to assets | 1.2889% | 1,298 |
| Return on assets (ROA) | 1.2889% | 1,341 |
| Pretax return on assets | 1.2889% | 2,075 |
| Return on Equity (ROE) | 13.6960% | 1,043 |
| Retained earnings to average equity (ytd only) | 4.4420% | 3,511 |
| Net charge-offs to loans | -0.0828% | 7,030 |
| Credit loss provision to net charge-offs | -483.8710% | 5,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5613% | 5,265 |
| Assets per employee ($millions) | 4.0214% | 3,796 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2507% | 1,856 |
| Loan loss allowance to noncurrent loans | 100.4582% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 1.2033% | 4,548 |
| Noncurrent loans to loans | 2.2404% | 3,269 |
| Net loans and leases to total assets | 51.4787% | 5,651 |
| Net loans and leases to deposits | 64.4820% | 5,191 |
| Net loans and leases to core deposits | 65.9253% | 5,518 |
| Total domestic deposits to total assets | 79.8342% | 5,984 |
| Equity capital to assets | 9.4864% | 4,456 |
| Core capital (leverage) ratio | 7.8665% | 6,400 |
| Tier 1 risk-based capital ratio | 12.6191% | 5,147 |
| Total risk-based capital ratio | 13.8769% | 5,117 |
| Memoranda: | ||
| Average total assets | $275,574,500 | 2,341 |
| Average earning assets | $254,033,000 | 2,322 |
| Average equity | $25,934,500 | 2,455 |
| Average total loans | $149,686,000 | 2,718 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0164% | 4,475 |
| Cost of funding earning assets | 0.9360% | 6,003 |
| Net interest margin | 4.0805% | 2,655 |
| Noninterest income to average assets | 0.7103% | 2,785 |
| Noninterest expense to average assets | 2.7716% | 4,702 |
| Loan and lease loss provision to assets | 0.9039% | 1,809 |
| Net operating income to assets | 0.7525% | 2,991 |
| Return on assets (ROA) | 0.8376% | 2,783 |
| Pretax return on assets | 0.8395% | 3,499 |
| Return on Equity (ROE) | 8.5483% | 2,479 |
| Retained earnings to average equity (ytd only) | 0.8046% | 5,151 |
| Net charge-offs to loans | 1.4594% | 1,515 |
| Credit loss provision to net charge-offs | 106.3589% | 4,202 |
| Earnings coverage of net charge-offs (x) | 1.9512% | 4,264 |
| Efficiency ratio | 62.5668% | 5,611 |
| Assets per employee ($millions) | 3.9662% | 3,857 |
| Cash dividends to net income (ytd only)* | 90.5877% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0282% | 2,231 |
| Loan loss allowance to noncurrent loans | 95.2498% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 1.4170% | 4,219 |
| Noncurrent loans to loans | 2.1293% | 3,398 |
| Net loans and leases to total assets | 54.8590% | 5,516 |
| Net loans and leases to deposits | 69.8295% | 4,834 |
| Net loans and leases to core deposits | 71.4367% | 5,276 |
| Total domestic deposits to total assets | 78.5613% | 6,201 |
| Equity capital to assets | 9.3346% | 4,641 |
| Core capital (leverage) ratio | 7.9610% | 6,257 |
| Tier 1 risk-based capital ratio | 12.0276% | 5,444 |
| Total risk-based capital ratio | 13.2821% | 5,427 |
| Memoranda: | ||
| Average total assets | $270,172,600 | 2,359 |
| Average earning assets | $246,271,600 | 2,369 |
| Average equity | $26,473,000 | 2,419 |
| Average total loans | $157,324,200 | 2,652 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0695% | 4,481 |
| Cost of funding earning assets | 0.9946% | 5,964 |
| Net interest margin | 4.0749% | 2,738 |
| Noninterest income to average assets | 0.7189% | 2,712 |
| Noninterest expense to average assets | 2.8226% | 4,388 |
| Loan and lease loss provision to assets | 0.5644% | 2,685 |
| Net operating income to assets | 1.0372% | 2,112 |
| Return on assets (ROA) | 1.1511% | 1,833 |
| Pretax return on assets | 1.1536% | 2,661 |
| Return on Equity (ROE) | 11.6081% | 1,618 |
| Retained earnings to average equity (ytd only) | 4.3687% | 3,426 |
| Net charge-offs to loans | 0.7157% | 2,633 |
| Credit loss provision to net charge-offs | 134.1176% | 3,008 |
| Earnings coverage of net charge-offs (x) | 3.8117% | 3,291 |
| Efficiency ratio | 63.7624% | 5,289 |
| Assets per employee ($millions) | 3.7687% | 4,344 |
| Cash dividends to net income (ytd only)* | 62.3658% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1203% | 1,953 |
| Loan loss allowance to noncurrent loans | 67.3850% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 2.0625% | 3,388 |
| Noncurrent loans to loans | 3.1466% | 2,535 |
| Net loans and leases to total assets | 56.9050% | 5,426 |
| Net loans and leases to deposits | 71.4889% | 4,912 |
| Net loans and leases to core deposits | 73.4031% | 5,365 |
| Total domestic deposits to total assets | 79.5997% | 5,834 |
| Equity capital to assets | 10.4109% | 3,625 |
| Core capital (leverage) ratio | 9.1334% | 4,479 |
| Tier 1 risk-based capital ratio | 12.2062% | 5,262 |
| Total risk-based capital ratio | 13.4681% | 5,221 |
| Memoranda: | ||
| Average total assets | $269,298,500 | 2,403 |
| Average earning assets | $245,038,750 | 2,418 |
| Average equity | $26,704,750 | 2,440 |
| Average total loans | $158,345,250 | 2,681 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0776% | 4,571 |
| Cost of funding earning assets | 1.0465% | 5,930 |
| Net interest margin | 4.0311% | 2,876 |
| Noninterest income to average assets | 0.6868% | 2,776 |
| Noninterest expense to average assets | 2.7670% | 4,632 |
| Loan and lease loss provision to assets | 0.7561% | 1,902 |
| Net operating income to assets | 0.8254% | 2,845 |
| Return on assets (ROA) | 0.9951% | 2,294 |
| Pretax return on assets | 0.9988% | 3,117 |
| Return on Equity (ROE) | 10.1999% | 2,027 |
| Retained earnings to average equity (ytd only) | 3.0169% | 4,196 |
| Net charge-offs to loans | 0.8100% | 2,226 |
| Credit loss provision to net charge-offs | 158.1790% | 2,491 |
| Earnings coverage of net charge-offs (x) | 3.3164% | 3,369 |
| Efficiency ratio | 63.5763% | 5,417 |
| Assets per employee ($millions) | 3.7794% | 4,270 |
| Cash dividends to net income (ytd only)* | 70.4225% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1179% | 1,931 |
| Loan loss allowance to noncurrent loans | 70.9671% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 2.0109% | 3,491 |
| Noncurrent loans to loans | 2.9843% | 2,689 |
| Net loans and leases to total assets | 58.3303% | 5,365 |
| Net loans and leases to deposits | 72.7379% | 4,881 |
| Net loans and leases to core deposits | 74.8447% | 5,341 |
| Total domestic deposits to total assets | 80.1925% | 5,672 |
| Equity capital to assets | 10.0957% | 3,893 |
| Core capital (leverage) ratio | 8.8676% | 4,808 |
| Tier 1 risk-based capital ratio | 11.7379% | 5,555 |
| Total risk-based capital ratio | 12.9642% | 5,529 |
| Memoranda: | ||
| Average total assets | $271,128,000 | 2,410 |
| Average earning assets | $246,536,000 | 2,428 |
| Average equity | $26,451,330 | 2,458 |
| Average total loans | $160,002,670 | 2,698 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0958% | 4,545 |
| Cost of funding earning assets | 1.1051% | 5,882 |
| Net interest margin | 3.9907% | 2,909 |
| Noninterest income to average assets | 0.6559% | 2,899 |
| Noninterest expense to average assets | 2.7375% | 4,733 |
| Loan and lease loss provision to assets | 0.7288% | 1,748 |
| Net operating income to assets | 0.8148% | 2,900 |
| Return on assets (ROA) | 1.1239% | 1,835 |
| Pretax return on assets | 1.1253% | 2,653 |
| Return on Equity (ROE) | 11.7162% | 1,577 |
| Retained earnings to average equity (ytd only) | 6.3976% | 2,416 |
| Net charge-offs to loans | 0.1911% | 3,775 |
| Credit loss provision to net charge-offs | 649.3506% | 673 |
| Earnings coverage of net charge-offs (x) | 13.7662% | 1,471 |
| Efficiency ratio | 63.9210% | 5,509 |
| Assets per employee ($millions) | 3.9071% | 4,081 |
| Cash dividends to net income (ytd only)* | 45.3956% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1365% | 1,875 |
| Loan loss allowance to noncurrent loans | 67.9582% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 1.9311% | 3,588 |
| Noncurrent loans to loans | 3.1438% | 2,555 |
| Net loans and leases to total assets | 57.5145% | 5,521 |
| Net loans and leases to deposits | 72.4032% | 4,998 |
| Net loans and leases to core deposits | 74.2096% | 5,485 |
| Total domestic deposits to total assets | 79.4364% | 5,981 |
| Equity capital to assets | 9.7962% | 4,114 |
| Core capital (leverage) ratio | 8.6619% | 5,092 |
| Tier 1 risk-based capital ratio | 11.6283% | 5,552 |
| Total risk-based capital ratio | 12.8527% | 5,545 |
| Memoranda: | ||
| Average total assets | $274,413,500 | 2,436 |
| Average earning assets | $249,379,500 | 2,456 |
| Average equity | $26,322,500 | 2,482 |
| Average total loans | $161,176,000 | 2,744 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4757% | 4,289 |
| Cost of funding earning assets | 1.4493% | 5,728 |
| Net interest margin | 4.0265% | 2,756 |
| Noninterest income to average assets | 0.7598% | 2,620 |
| Noninterest expense to average assets | 2.7365% | 5,213 |
| Loan and lease loss provision to assets | 1.1845% | 1,947 |
| Net operating income to assets | 0.5062% | 3,704 |
| Return on assets (ROA) | 0.5721% | 3,511 |
| Pretax return on assets | 0.5721% | 3,981 |
| Return on Equity (ROE) | 5.8508% | 3,274 |
| Retained earnings to average equity (ytd only) | 1.2799% | 4,149 |
| Net charge-offs to loans | 1.2807% | 1,940 |
| Credit loss provision to net charge-offs | 153.8462% | 2,972 |
| Earnings coverage of net charge-offs (x) | 2.1959% | 4,077 |
| Efficiency ratio | 61.8122% | 6,186 |
| Assets per employee ($millions) | 3.9329% | 3,951 |
| Cash dividends to net income (ytd only)* | 78.1250% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8071% | 2,519 |
| Loan loss allowance to noncurrent loans | 392.8382% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.3399% | 6,596 |
| Noncurrent loans to loans | 0.4600% | 6,342 |
| Net loans and leases to total assets | 57.6398% | 5,721 |
| Net loans and leases to deposits | 73.5301% | 5,112 |
| Net loans and leases to core deposits | 81.9051% | 5,916 |
| Total domestic deposits to total assets | 78.3895% | 6,147 |
| Equity capital to assets | 9.3953% | 4,566 |
| Core capital (leverage) ratio | 8.3057% | 5,604 |
| Tier 1 risk-based capital ratio | 11.0737% | 5,850 |
| Total risk-based capital ratio | 12.3319% | 5,798 |
| Memoranda: | ||
| Average total assets | $268,476,800 | 2,435 |
| Average earning assets | $244,532,800 | 2,458 |
| Average equity | $26,252,600 | 2,509 |
| Average total loans | $161,400,400 | 2,739 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5292% | 4,275 |
| Cost of funding earning assets | 1.5267% | 5,726 |
| Net interest margin | 4.0025% | 2,810 |
| Noninterest income to average assets | 0.7745% | 2,577 |
| Noninterest expense to average assets | 2.8298% | 4,763 |
| Loan and lease loss provision to assets | 0.5669% | 3,119 |
| Net operating income to assets | 1.0339% | 1,956 |
| Return on assets (ROA) | 1.1041% | 1,776 |
| Pretax return on assets | 1.1041% | 2,547 |
| Return on Equity (ROE) | 11.1764% | 1,572 |
| Retained earnings to average equity (ytd only) | 5.0829% | 2,441 |
| Net charge-offs to loans | 0.0133% | 6,733 |
| Credit loss provision to net charge-offs | 7,062.5000% | 52 |
| Earnings coverage of net charge-offs (x) | 199.4637% | 195 |
| Efficiency ratio | 63.8700% | 5,783 |
| Assets per employee ($millions) | 3.8492% | 4,078 |
| Cash dividends to net income (ytd only)* | 54.5207% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8370% | 2,181 |
| Loan loss allowance to noncurrent loans | 62.2087% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 1.8538% | 3,579 |
| Noncurrent loans to loans | 2.9529% | 2,567 |
| Net loans and leases to total assets | 58.7629% | 5,772 |
| Net loans and leases to deposits | 74.0430% | 5,360 |
| Net loans and leases to core deposits | 84.9446% | 5,969 |
| Total domestic deposits to total assets | 79.3633% | 5,675 |
| Equity capital to assets | 10.0383% | 4,043 |
| Core capital (leverage) ratio | 8.6733% | 5,175 |
| Tier 1 risk-based capital ratio | 11.8596% | 5,097 |
| Total risk-based capital ratio | 13.1188% | 5,031 |
| Memoranda: | ||
| Average total assets | $265,787,500 | 2,472 |
| Average earning assets | $242,777,250 | 2,488 |
| Average equity | $26,257,000 | 2,534 |
| Average total loans | $160,772,500 | 2,774 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5554% | 4,313 |
| Cost of funding earning assets | 1.6070% | 5,719 |
| Net interest margin | 3.9484% | 2,893 |
| Noninterest income to average assets | 0.7658% | 2,618 |
| Noninterest expense to average assets | 2.8386% | 4,785 |
| Loan and lease loss provision to assets | 0.1361% | 5,716 |
| Net operating income to assets | 1.3962% | 1,036 |
| Return on assets (ROA) | 1.4333% | 1,018 |
| Pretax return on assets | 1.4333% | 1,638 |
| Return on Equity (ROE) | 14.5884% | 889 |
| Retained earnings to average equity (ytd only) | 9.9718% | 743 |
| Net charge-offs to loans | -0.0050% | 7,525 |
| Credit loss provision to net charge-offs | -4,500.0000% | 7,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9429% | 5,731 |
| Assets per employee ($millions) | 3.8298% | 4,027 |
| Cash dividends to net income (ytd only)* | 31.6456% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2961% | 4,295 |
| Loan loss allowance to noncurrent loans | 131.0968% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.6662% | 5,747 |
| Noncurrent loans to loans | 0.9887% | 5,229 |
| Net loans and leases to total assets | 57.7216% | 6,004 |
| Net loans and leases to deposits | 71.9121% | 5,745 |
| Net loans and leases to core deposits | 82.1132% | 6,231 |
| Total domestic deposits to total assets | 80.2669% | 5,363 |
| Equity capital to assets | 9.8379% | 4,165 |
| Core capital (leverage) ratio | 8.8835% | 4,813 |
| Tier 1 risk-based capital ratio | 12.2795% | 4,695 |
| Total risk-based capital ratio | 13.4014% | 4,706 |
| Memoranda: | ||
| Average total assets | $264,567,670 | 2,496 |
| Average earning assets | $241,567,330 | 2,507 |
| Average equity | $25,993,330 | 2,556 |
| Average total loans | $160,597,330 | 2,815 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6430% | 4,092 |
| Cost of funding earning assets | 1.6482% | 5,821 |
| Net interest margin | 3.9949% | 2,661 |
| Noninterest income to average assets | 0.7214% | 2,751 |
| Noninterest expense to average assets | 2.8157% | 4,495 |
| Loan and lease loss provision to assets | 0.1370% | 5,209 |
| Net operating income to assets | 1.4246% | 1,089 |
| Return on assets (ROA) | 1.4414% | 1,138 |
| Pretax return on assets | 1.4414% | 1,843 |
| Return on Equity (ROE) | 14.6805% | 1,039 |
| Retained earnings to average equity (ytd only) | 14.6805% | 449 |
| Net charge-offs to loans | 0.0369% | 4,995 |
| Credit loss provision to net charge-offs | 600.0000% | 938 |
| Earnings coverage of net charge-offs (x) | 68.4000% | 584 |
| Efficiency ratio | 64.3255% | 5,626 |
| Assets per employee ($millions) | 3.6989% | 4,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2203% | 4,663 |
| Loan loss allowance to noncurrent loans | 261.7687% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.3800% | 6,364 |
| Noncurrent loans to loans | 0.4662% | 6,251 |
| Net loans and leases to total assets | 59.3015% | 5,769 |
| Net loans and leases to deposits | 73.4234% | 5,551 |
| Net loans and leases to core deposits | 83.8508% | 6,067 |
| Total domestic deposits to total assets | 80.7664% | 5,060 |
| Equity capital to assets | 10.0202% | 3,982 |
| Core capital (leverage) ratio | 8.7868% | 5,014 |
| Tier 1 risk-based capital ratio | 12.1968% | 4,793 |
| Total risk-based capital ratio | 13.2704% | 4,833 |
| Memoranda: | ||
| Average total assets | $262,808,000 | 2,527 |
| Average earning assets | $240,509,000 | 2,531 |
| Average equity | $25,803,000 | 2,583 |
| Average total loans | $162,508,000 | 2,803 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1576% | 4,742 |
| Cost of funding earning assets | 2.1566% | 5,799 |
| Net interest margin | 4.0010% | 3,105 |
| Noninterest income to average assets | 0.8551% | 2,198 |
| Noninterest expense to average assets | 2.9437% | 4,282 |
| Loan and lease loss provision to assets | 0.0610% | 6,642 |
| Net operating income to assets | 1.3510% | 1,341 |
| Return on assets (ROA) | 1.4102% | 1,163 |
| Pretax return on assets | 1.5246% | 1,614 |
| Return on Equity (ROE) | 14.6398% | 988 |
| Retained earnings to average equity (ytd only) | 4.9222% | 2,075 |
| Net charge-offs to loans | 0.0862% | 5,515 |
| Credit loss provision to net charge-offs | 109.4891% | 4,916 |
| Earnings coverage of net charge-offs (x) | 27.2847% | 1,250 |
| Efficiency ratio | 65.9284% | 5,140 |
| Assets per employee ($millions) | 3.8676% | 3,815 |
| Cash dividends to net income (ytd only)* | 66.3781% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1048% | 5,238 |
| Loan loss allowance to noncurrent loans | 248.5215% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.3361% | 6,262 |
| Noncurrent loans to loans | 0.4446% | 6,024 |
| Net loans and leases to total assets | 62.9308% | 5,465 |
| Net loans and leases to deposits | 80.9443% | 4,883 |
| Net loans and leases to core deposits | 90.6664% | 5,748 |
| Total domestic deposits to total assets | 77.7458% | 5,795 |
| Equity capital to assets | 9.6165% | 4,522 |
| Core capital (leverage) ratio | 8.6919% | 5,211 |
| Tier 1 risk-based capital ratio | 11.0105% | 5,718 |
| Total risk-based capital ratio | 11.9858% | 5,879 |
| Memoranda: | ||
| Average total assets | $245,711,600 | 2,596 |
| Average earning assets | $221,692,600 | 2,638 |
| Average equity | $23,668,400 | 2,769 |
| Average total loans | $158,867,000 | 2,786 |