Home > Apple River State Bank > Performance and Condition Ratios
Apple River State 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 | 4.1335% | 3,747 |
| Cost of funding earning assets | 1.5772% | 1,753 |
| Net interest margin | 2.5562% | 4,027 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 1.9514% | 3,731 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.9061% | 2,532 |
| Return on assets (ROA) | 0.9064% | 2,501 |
| Pretax return on assets | 0.9556% | 2,796 |
| Return on Equity (ROE) | 15.6700% | 1,160 |
| Retained earnings to average equity (ytd only) | 9.7778% | 1,069 |
| Net charge-offs to loans | -0.0023% | 3,705 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 66.2281% | 2,322 |
| Assets per employee ($millions) | 8.4818% | 1,194 |
| Cash dividends to net income (ytd only)* | 37.5895% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9555% | 3,511 |
| Loan loss allowance to noncurrent loans | 251.5688% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.2255% | 2,098 |
| Noncurrent loans to loans | 0.3798% | 1,848 |
| Net loans and leases to total assets | 58.7900% | 2,970 |
| Net loans and leases to deposits | 69.5500% | 2,917 |
| Net loans and leases to core deposits | 78.4441% | 2,805 |
| Total domestic deposits to total assets | 84.5300% | 2,460 |
| Equity capital to assets | 6.3105% | 4,163 |
| Core capital (leverage) ratio | 9.0701% | 3,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8402% | 1,582 |
| Memoranda: | ||
| Average total assets | $539,143,600 | 1,646 |
| Average earning assets | $508,872,400 | 1,606 |
| Average equity | $31,193,000 | 2,215 |
| Average total loans | $304,830,000 | 1,774 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9962% | 3,847 |
| Cost of funding earning assets | 1.4308% | 1,788 |
| Net interest margin | 2.5654% | 4,074 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 1.9730% | 3,658 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.8760% | 2,776 |
| Return on assets (ROA) | 0.8764% | 2,754 |
| Pretax return on assets | 0.9351% | 3,018 |
| Return on Equity (ROE) | 15.5100% | 1,344 |
| Retained earnings to average equity (ytd only) | 10.1889% | 1,350 |
| Net charge-offs to loans | -0.0009% | 3,474 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.7108% | 2,045 |
| Assets per employee ($millions) | 8.8740% | 973 |
| Cash dividends to net income (ytd only)* | 34.3076% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9301% | 3,633 |
| Loan loss allowance to noncurrent loans | 559.5420% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.0937% | 2,954 |
| Noncurrent loans to loans | 0.1662% | 2,710 |
| Net loans and leases to total assets | 55.8600% | 3,213 |
| Net loans and leases to deposits | 65.5042% | 3,173 |
| Net loans and leases to core deposits | 71.2486% | 3,149 |
| Total domestic deposits to total assets | 85.2800% | 2,421 |
| Equity capital to assets | 5.0685% | 4,237 |
| Core capital (leverage) ratio | 8.9229% | 3,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0058% | 1,562 |
| Memoranda: | ||
| Average total assets | $536,100,250 | 1,649 |
| Average earning assets | $506,931,750 | 1,611 |
| Average equity | $30,293,500 | 2,241 |
| Average total loans | $299,225,500 | 1,795 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8401% | 3,969 |
| Cost of funding earning assets | 1.2691% | 1,794 |
| Net interest margin | 2.5710% | 4,139 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 1.9658% | 3,672 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8966% | 2,765 |
| Return on assets (ROA) | 0.8973% | 2,749 |
| Pretax return on assets | 0.9583% | 3,023 |
| Return on Equity (ROE) | 15.3200% | 1,410 |
| Retained earnings to average equity (ytd only) | 10.1144% | 1,373 |
| Net charge-offs to loans | 0.0014% | 2,353 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 1,265.0000% | 117 |
| Efficiency ratio | 67.2450% | 2,071 |
| Assets per employee ($millions) | 8.6943% | 1,005 |
| Cash dividends to net income (ytd only)* | 33.9941% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9613% | 3,567 |
| Loan loss allowance to noncurrent loans | 780.3763% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.0679% | 3,091 |
| Noncurrent loans to loans | 0.1232% | 2,858 |
| Net loans and leases to total assets | 54.6000% | 3,225 |
| Net loans and leases to deposits | 64.6066% | 3,154 |
| Net loans and leases to core deposits | 69.4749% | 3,161 |
| Total domestic deposits to total assets | 84.5200% | 2,686 |
| Equity capital to assets | 5.6682% | 4,247 |
| Core capital (leverage) ratio | 9.2903% | 3,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3683% | 1,466 |
| Memoranda: | ||
| Average total assets | $528,445,667 | 1,669 |
| Average earning assets | $499,573,667 | 1,636 |
| Average equity | $30,946,000 | 2,224 |
| Average total loans | $293,883,667 | 1,808 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7365% | 3,969 |
| Cost of funding earning assets | 1.1391% | 1,629 |
| Net interest margin | 2.5974% | 4,207 |
| Noninterest income to average assets | 0.5100% | 1,809 |
| Noninterest expense to average assets | 1.9761% | 3,675 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9244% | 2,772 |
| Return on assets (ROA) | 0.9244% | 2,731 |
| Pretax return on assets | 0.9908% | 3,022 |
| Return on Equity (ROE) | 15.5200% | 1,456 |
| Retained earnings to average equity (ytd only) | 10.3057% | 1,629 |
| Net charge-offs to loans | 0.0041% | 1,830 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 428.3333% | 264 |
| Efficiency ratio | 66.6060% | 2,141 |
| Assets per employee ($millions) | 8.3757% | 1,175 |
| Cash dividends to net income (ytd only)* | 33.6113% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9974% | 3,532 |
| Loan loss allowance to noncurrent loans | 1,133.5938% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.0493% | 3,292 |
| Noncurrent loans to loans | 0.0880% | 3,112 |
| Net loans and leases to total assets | 55.4700% | 3,072 |
| Net loans and leases to deposits | 65.3907% | 2,985 |
| Net loans and leases to core deposits | 69.7832% | 2,968 |
| Total domestic deposits to total assets | 84.8300% | 2,896 |
| Equity capital to assets | 6.0194% | 4,195 |
| Core capital (leverage) ratio | 9.3607% | 3,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6780% | 1,446 |
| Memoranda: | ||
| Average total assets | $518,796,500 | 1,705 |
| Average earning assets | $490,190,500 | 1,676 |
| Average equity | $30,895,500 | 2,254 |
| Average total loans | $289,827,500 | 1,837 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3294% | 3,513 |
| Cost of funding earning assets | 0.5863% | 959 |
| Net interest margin | 2.7431% | 3,986 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 1.8559% | 3,916 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1693% | 1,895 |
| Return on assets (ROA) | 1.1695% | 1,831 |
| Pretax return on assets | 1.2331% | 2,329 |
| Return on Equity (ROE) | 17.9600% | 711 |
| Retained earnings to average equity (ytd only) | 11.6565% | 746 |
| Net charge-offs to loans | -0.0030% | 3,526 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.0848% | 3,046 |
| Assets per employee ($millions) | 7.9739% | 1,333 |
| Cash dividends to net income (ytd only)* | 35.1079% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8383% | 3,947 |
| Loan loss allowance to noncurrent loans | 1,004.1494% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.0465% | 3,345 |
| Noncurrent loans to loans | 0.0835% | 3,159 |
| Net loans and leases to total assets | 55.2300% | 3,100 |
| Net loans and leases to deposits | 64.4061% | 3,006 |
| Net loans and leases to core deposits | 67.1009% | 3,064 |
| Total domestic deposits to total assets | 85.7600% | 2,790 |
| Equity capital to assets | 5.8910% | 4,135 |
| Core capital (leverage) ratio | 9.1208% | 3,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4381% | 1,496 |
| Memoranda: | ||
| Average total assets | $526,814,200 | 1,665 |
| Average earning assets | $496,011,600 | 1,642 |
| Average equity | $34,298,600 | 2,141 |
| Average total loans | $267,201,000 | 1,863 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2010% | 3,434 |
| Cost of funding earning assets | 0.5095% | 725 |
| Net interest margin | 2.6915% | 3,947 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 1.8179% | 3,949 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1399% | 1,931 |
| Return on assets (ROA) | 1.1401% | 1,901 |
| Pretax return on assets | 1.2157% | 2,310 |
| Return on Equity (ROE) | 17.1100% | 772 |
| Retained earnings to average equity (ytd only) | 12.5347% | 687 |
| Net charge-offs to loans | -0.0036% | 3,396 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.9302% | 3,121 |
| Assets per employee ($millions) | 8.6091% | 1,021 |
| Cash dividends to net income (ytd only)* | 26.7522% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8710% | 3,940 |
| Loan loss allowance to noncurrent loans | 683.3333% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.0663% | 3,228 |
| Noncurrent loans to loans | 0.1275% | 2,997 |
| Net loans and leases to total assets | 51.5800% | 3,323 |
| Net loans and leases to deposits | 59.9150% | 3,205 |
| Net loans and leases to core deposits | 60.9604% | 3,307 |
| Total domestic deposits to total assets | 86.0900% | 3,048 |
| Equity capital to assets | 5.1135% | 4,262 |
| Core capital (leverage) ratio | 8.7889% | 3,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6297% | 1,523 |
| Memoranda: | ||
| Average total assets | $528,942,250 | 1,679 |
| Average earning assets | $498,005,000 | 1,647 |
| Average equity | $35,240,000 | 2,133 |
| Average total loans | $261,829,750 | 1,887 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0946% | 3,318 |
| Cost of funding earning assets | 0.4855% | 569 |
| Net interest margin | 2.6091% | 3,890 |
| Noninterest income to average assets | 0.4987% | 2,212 |
| Noninterest expense to average assets | 1.7613% | 4,034 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1173% | 1,712 |
| Return on assets (ROA) | 1.1177% | 1,685 |
| Pretax return on assets | 1.1917% | 2,105 |
| Return on Equity (ROE) | 15.5561% | 789 |
| Retained earnings to average equity (ytd only) | 11.3015% | 736 |
| Net charge-offs to loans | -0.0039% | 3,269 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6532% | 3,340 |
| Assets per employee ($millions) | 8.5461% | 1,048 |
| Cash dividends to net income (ytd only)* | 27.3498% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9126% | 3,919 |
| Loan loss allowance to noncurrent loans | 1,190.6404% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.0428% | 3,556 |
| Noncurrent loans to loans | 0.0767% | 3,408 |
| Net loans and leases to total assets | 49.5257% | 3,421 |
| Net loans and leases to deposits | 57.9457% | 3,231 |
| Net loans and leases to core deposits | 58.8032% | 3,361 |
| Total domestic deposits to total assets | 85.4692% | 3,376 |
| Equity capital to assets | 5.5049% | 4,361 |
| Core capital (leverage) ratio | 8.8966% | 3,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9065% | 1,458 |
| Memoranda: | ||
| Average total assets | $527,335,333 | 1,683 |
| Average earning assets | $495,965,667 | 1,671 |
| Average equity | $37,888,667 | 2,082 |
| Average total loans | $256,531,000 | 1,911 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0516% | 3,106 |
| Cost of funding earning assets | 0.4935% | 513 |
| Net interest margin | 2.5581% | 3,764 |
| Noninterest income to average assets | 0.5794% | 1,784 |
| Noninterest expense to average assets | 1.7807% | 3,985 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1352% | 1,422 |
| Return on assets (ROA) | 1.1360% | 1,413 |
| Pretax return on assets | 1.2036% | 1,800 |
| Return on Equity (ROE) | 14.1447% | 808 |
| Retained earnings to average equity (ytd only) | 10.3292% | 942 |
| Net charge-offs to loans | -0.0063% | 3,420 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6840% | 3,518 |
| Assets per employee ($millions) | 8.5695% | 1,074 |
| Cash dividends to net income (ytd only)* | 26.9746% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9559% | 3,890 |
| Loan loss allowance to noncurrent loans | 5,892.6829% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 3,999 |
| Noncurrent loans to loans | 0.0162% | 3,892 |
| Net loans and leases to total assets | 47.8874% | 3,396 |
| Net loans and leases to deposits | 58.3490% | 3,046 |
| Net loans and leases to core deposits | 60.4727% | 3,100 |
| Total domestic deposits to total assets | 82.0706% | 4,065 |
| Equity capital to assets | 7.2497% | 4,073 |
| Core capital (leverage) ratio | 8.8905% | 3,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3088% | 1,423 |
| Memoranda: | ||
| Average total assets | $526,073,000 | 1,694 |
| Average earning assets | $494,432,500 | 1,682 |
| Average equity | $42,249,000 | 1,970 |
| Average total loans | $252,379,500 | 1,924 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4175% | 2,891 |
| Cost of funding earning assets | 0.5474% | 722 |
| Net interest margin | 2.8702% | 3,509 |
| Noninterest income to average assets | 0.6732% | 1,858 |
| Noninterest expense to average assets | 1.8591% | 4,033 |
| Loan and lease loss provision to assets | 0.0399% | 2,240 |
| Net operating income to assets | 1.3810% | 1,343 |
| Return on assets (ROA) | 1.3904% | 1,363 |
| Pretax return on assets | 1.4875% | 1,763 |
| Return on Equity (ROE) | 15.0033% | 948 |
| Retained earnings to average equity (ytd only) | 9.2421% | 1,120 |
| Net charge-offs to loans | 0.0061% | 2,362 |
| Credit loss provision to net charge-offs | 1,333.3333% | 428 |
| Earnings coverage of net charge-offs (x) | 506.4000% | 273 |
| Efficiency ratio | 55.0612% | 3,810 |
| Assets per employee ($millions) | 8.2720% | 1,185 |
| Cash dividends to net income (ytd only)* | 38.3997% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9567% | 3,910 |
| Loan loss allowance to noncurrent loans | 10,045.8333% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 3,960 |
| Noncurrent loans to loans | 0.0095% | 4,029 |
| Net loans and leases to total assets | 47.1482% | 3,584 |
| Net loans and leases to deposits | 57.7646% | 3,276 |
| Net loans and leases to core deposits | 59.8917% | 3,318 |
| Total domestic deposits to total assets | 81.6213% | 4,023 |
| Equity capital to assets | 8.8025% | 3,803 |
| Core capital (leverage) ratio | 8.6625% | 3,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1320% | 1,473 |
| Memoranda: | ||
| Average total assets | $500,631,200 | 1,696 |
| Average earning assets | $471,508,000 | 1,682 |
| Average equity | $46,396,400 | 1,878 |
| Average total loans | $247,642,200 | 1,945 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4727% | 2,919 |
| Cost of funding earning assets | 0.5552% | 809 |
| Net interest margin | 2.9175% | 3,513 |
| Noninterest income to average assets | 0.7104% | 1,791 |
| Noninterest expense to average assets | 1.8323% | 4,102 |
| Loan and lease loss provision to assets | 0.0541% | 1,901 |
| Net operating income to assets | 1.5480% | 1,151 |
| Return on assets (ROA) | 1.5615% | 1,168 |
| Pretax return on assets | 1.5883% | 1,745 |
| Return on Equity (ROE) | 16.6255% | 827 |
| Retained earnings to average equity (ytd only) | 12.2814% | 781 |
| Net charge-offs to loans | 0.0011% | 2,404 |
| Credit loss provision to net charge-offs | 10,000.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 3,013.5000% | 44 |
| Efficiency ratio | 52.9435% | 3,926 |
| Assets per employee ($millions) | 8.6264% | 1,001 |
| Cash dividends to net income (ytd only)* | 26.1291% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9683% | 3,947 |
| Loan loss allowance to noncurrent loans | 1,574.0260% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 3,979 |
| Noncurrent loans to loans | 0.0615% | 3,789 |
| Net loans and leases to total assets | 47.1117% | 3,704 |
| Net loans and leases to deposits | 58.0558% | 3,405 |
| Net loans and leases to core deposits | 60.2722% | 3,455 |
| Total domestic deposits to total assets | 81.1489% | 4,068 |
| Equity capital to assets | 9.2096% | 3,642 |
| Core capital (leverage) ratio | 8.8576% | 3,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6855% | 1,433 |
| Memoranda: | ||
| Average total assets | $493,437,250 | 1,733 |
| Average earning assets | $465,181,250 | 1,713 |
| Average equity | $46,345,250 | 1,899 |
| Average total loans | $246,548,500 | 1,980 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4065% | 3,167 |
| Cost of funding earning assets | 0.5713% | 865 |
| Net interest margin | 2.8352% | 3,710 |
| Noninterest income to average assets | 0.7353% | 1,701 |
| Noninterest expense to average assets | 1.8590% | 4,053 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5162% | 1,252 |
| Return on assets (ROA) | 1.5162% | 1,313 |
| Pretax return on assets | 1.5502% | 1,872 |
| Return on Equity (ROE) | 16.0299% | 950 |
| Retained earnings to average equity (ytd only) | 11.6171% | 994 |
| Net charge-offs to loans | 0.0008% | 2,214 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 3,740.0000% | 19 |
| Efficiency ratio | 54.5289% | 3,738 |
| Assets per employee ($millions) | 8.1143% | 1,157 |
| Cash dividends to net income (ytd only)* | 27.5287% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8786% | 4,214 |
| Loan loss allowance to noncurrent loans | 1,698.4733% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.0260% | 4,089 |
| Noncurrent loans to loans | 0.0517% | 3,919 |
| Net loans and leases to total assets | 49.8931% | 3,564 |
| Net loans and leases to deposits | 61.4995% | 3,252 |
| Net loans and leases to core deposits | 64.7503% | 3,213 |
| Total domestic deposits to total assets | 81.1276% | 4,076 |
| Equity capital to assets | 9.2379% | 3,571 |
| Core capital (leverage) ratio | 9.0031% | 3,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4499% | 1,485 |
| Memoranda: | ||
| Average total assets | $482,513,333 | 1,753 |
| Average earning assets | $455,071,333 | 1,742 |
| Average equity | $45,639,667 | 1,910 |
| Average total loans | $245,288,000 | 1,999 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2038% | 3,683 |
| Cost of funding earning assets | 0.5942% | 893 |
| Net interest margin | 2.6096% | 4,131 |
| Noninterest income to average assets | 0.8462% | 1,478 |
| Noninterest expense to average assets | 1.8618% | 4,081 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3875% | 1,605 |
| Return on assets (ROA) | 1.3875% | 1,686 |
| Pretax return on assets | 1.4434% | 2,155 |
| Return on Equity (ROE) | 14.4885% | 1,331 |
| Retained earnings to average equity (ytd only) | 10.0394% | 1,640 |
| Net charge-offs to loans | -0.0017% | 3,097 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3301% | 3,510 |
| Assets per employee ($millions) | 8.0817% | 1,164 |
| Cash dividends to net income (ytd only)* | 30.7082% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9040% | 4,145 |
| Loan loss allowance to noncurrent loans | 1,840.4959% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 4,187 |
| Noncurrent loans to loans | 0.0491% | 4,039 |
| Net loans and leases to total assets | 50.3432% | 3,590 |
| Net loans and leases to deposits | 62.5227% | 3,273 |
| Net loans and leases to core deposits | 67.6104% | 3,094 |
| Total domestic deposits to total assets | 80.5199% | 4,135 |
| Equity capital to assets | 9.2858% | 3,409 |
| Core capital (leverage) ratio | 9.0755% | 3,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6313% | 1,693 |
| Memoranda: | ||
| Average total assets | $472,226,000 | 1,771 |
| Average earning assets | $444,970,000 | 1,760 |
| Average equity | $45,222,000 | 1,913 |
| Average total loans | $241,316,500 | 2,024 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7566% | 3,424 |
| Cost of funding earning assets | 0.8055% | 1,183 |
| Net interest margin | 2.9511% | 4,007 |
| Noninterest income to average assets | 0.8707% | 1,348 |
| Noninterest expense to average assets | 2.0543% | 4,033 |
| Loan and lease loss provision to assets | 0.0364% | 3,955 |
| Net operating income to assets | 1.5285% | 748 |
| Return on assets (ROA) | 1.5650% | 750 |
| Pretax return on assets | 1.5833% | 1,109 |
| Return on Equity (ROE) | 15.4205% | 576 |
| Retained earnings to average equity (ytd only) | 9.2294% | 721 |
| Net charge-offs to loans | 0.0044% | 3,199 |
| Credit loss provision to net charge-offs | 1,500.0000% | 551 |
| Earnings coverage of net charge-offs (x) | 651.9000% | 176 |
| Efficiency ratio | 56.4820% | 3,920 |
| Assets per employee ($millions) | 7.9232% | 1,065 |
| Cash dividends to net income (ytd only)* | 40.1489% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9421% | 4,065 |
| Loan loss allowance to noncurrent loans | 1,752.7559% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 4,229 |
| Noncurrent loans to loans | 0.0537% | 4,077 |
| Net loans and leases to total assets | 50.9335% | 3,753 |
| Net loans and leases to deposits | 63.3359% | 3,491 |
| Net loans and leases to core deposits | 67.8580% | 3,424 |
| Total domestic deposits to total assets | 80.4182% | 3,975 |
| Equity capital to assets | 9.8830% | 3,232 |
| Core capital (leverage) ratio | 9.1639% | 3,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0729% | 1,502 |
| Memoranda: | ||
| Average total assets | $411,872,400 | 1,823 |
| Average earning assets | $386,093,200 | 1,810 |
| Average equity | $41,801,400 | 1,951 |
| Average total loans | $224,719,800 | 2,075 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8104% | 3,535 |
| Cost of funding earning assets | 0.8488% | 1,265 |
| Net interest margin | 2.9616% | 4,068 |
| Noninterest income to average assets | 0.8431% | 1,369 |
| Noninterest expense to average assets | 2.1059% | 3,931 |
| Loan and lease loss provision to assets | 0.0500% | 3,726 |
| Net operating income to assets | 1.4480% | 1,000 |
| Return on assets (ROA) | 1.4981% | 990 |
| Pretax return on assets | 1.5131% | 1,424 |
| Return on Equity (ROE) | 14.6509% | 752 |
| Retained earnings to average equity (ytd only) | 10.4617% | 680 |
| Net charge-offs to loans | 0.0048% | 2,971 |
| Credit loss provision to net charge-offs | 1,875.0000% | 508 |
| Earnings coverage of net charge-offs (x) | 567.1250% | 209 |
| Efficiency ratio | 58.1997% | 3,638 |
| Assets per employee ($millions) | 7.7268% | 1,110 |
| Cash dividends to net income (ytd only)* | 28.5937% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9405% | 3,927 |
| Loan loss allowance to noncurrent loans | 359.3548% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.1383% | 3,728 |
| Noncurrent loans to loans | 0.2617% | 3,360 |
| Net loans and leases to total assets | 52.3615% | 3,943 |
| Net loans and leases to deposits | 65.3200% | 3,670 |
| Net loans and leases to core deposits | 70.4724% | 3,592 |
| Total domestic deposits to total assets | 80.1614% | 3,828 |
| Equity capital to assets | 9.9569% | 3,265 |
| Core capital (leverage) ratio | 9.5249% | 3,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2204% | 1,444 |
| Memoranda: | ||
| Average total assets | $399,953,500 | 1,842 |
| Average earning assets | $374,792,250 | 1,830 |
| Average equity | $40,897,500 | 1,977 |
| Average total loans | $221,827,250 | 2,091 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9366% | 3,505 |
| Cost of funding earning assets | 0.8894% | 1,423 |
| Net interest margin | 3.0472% | 4,025 |
| Noninterest income to average assets | 0.7403% | 1,614 |
| Noninterest expense to average assets | 2.1954% | 3,801 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.3736% | 1,167 |
| Return on assets (ROA) | 1.4520% | 1,102 |
| Pretax return on assets | 1.4676% | 1,534 |
| Return on Equity (ROE) | 14.0559% | 878 |
| Retained earnings to average equity (ytd only) | 9.7388% | 839 |
| Net charge-offs to loans | 0.0166% | 2,397 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 148.0556% | 541 |
| Efficiency ratio | 61.2589% | 3,242 |
| Assets per employee ($millions) | 7.2993% | 1,280 |
| Cash dividends to net income (ytd only)* | 30.7140% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8898% | 4,032 |
| Loan loss allowance to noncurrent loans | 652.3659% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.0762% | 4,142 |
| Noncurrent loans to loans | 0.1364% | 3,913 |
| Net loans and leases to total assets | 55.3607% | 3,742 |
| Net loans and leases to deposits | 69.8339% | 3,435 |
| Net loans and leases to core deposits | 75.5782% | 3,321 |
| Total domestic deposits to total assets | 79.2748% | 3,981 |
| Equity capital to assets | 10.2913% | 2,932 |
| Core capital (leverage) ratio | 9.9012% | 2,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0760% | 1,469 |
| Memoranda: | ||
| Average total assets | $383,887,333 | 1,876 |
| Average earning assets | $358,225,000 | 1,863 |
| Average equity | $39,656,000 | 2,013 |
| Average total loans | $216,807,333 | 2,111 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0507% | 3,651 |
| Cost of funding earning assets | 0.9852% | 1,485 |
| Net interest margin | 3.0655% | 4,170 |
| Noninterest income to average assets | 0.6852% | 1,703 |
| Noninterest expense to average assets | 2.2795% | 3,818 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2432% | 1,396 |
| Return on assets (ROA) | 1.3692% | 1,138 |
| Pretax return on assets | 1.3855% | 1,605 |
| Return on Equity (ROE) | 13.2265% | 840 |
| Retained earnings to average equity (ytd only) | 8.7301% | 1,041 |
| Net charge-offs to loans | -0.0038% | 3,779 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4328% | 3,167 |
| Assets per employee ($millions) | 6.2127% | 1,510 |
| Cash dividends to net income (ytd only)* | 33.9952% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9961% | 3,734 |
| Loan loss allowance to noncurrent loans | 601.7291% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.0931% | 4,150 |
| Noncurrent loans to loans | 0.1655% | 3,870 |
| Net loans and leases to total assets | 55.6709% | 3,864 |
| Net loans and leases to deposits | 68.7396% | 3,681 |
| Net loans and leases to core deposits | 75.4311% | 3,537 |
| Total domestic deposits to total assets | 80.9881% | 3,667 |
| Equity capital to assets | 10.1483% | 3,652 |
| Core capital (leverage) ratio | 10.5297% | 2,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3283% | 1,272 |
| Memoranda: | ||
| Average total assets | $367,801,500 | 1,893 |
| Average earning assets | $342,262,000 | 1,883 |
| Average equity | $38,075,000 | 2,067 |
| Average total loans | $209,010,500 | 2,125 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2140% | 3,779 |
| Cost of funding earning assets | 0.9504% | 1,957 |
| Net interest margin | 3.2636% | 4,055 |
| Noninterest income to average assets | 0.6272% | 2,103 |
| Noninterest expense to average assets | 2.2690% | 4,028 |
| Loan and lease loss provision to assets | -0.0576% | 5,029 |
| Net operating income to assets | 1.4323% | 1,238 |
| Return on assets (ROA) | 1.4420% | 1,278 |
| Pretax return on assets | 1.4593% | 1,943 |
| Return on Equity (ROE) | 13.8859% | 922 |
| Retained earnings to average equity (ytd only) | 7.5327% | 1,152 |
| Net charge-offs to loans | -0.1516% | 5,020 |
| Credit loss provision to net charge-offs | 64.5161% | 2,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9794% | 3,387 |
| Assets per employee ($millions) | 6.0474% | 1,600 |
| Cash dividends to net income (ytd only)* | 45.7525% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 3,503 |
| Loan loss allowance to noncurrent loans | 592.6136% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.0970% | 4,135 |
| Noncurrent loans to loans | 0.1689% | 3,856 |
| Net loans and leases to total assets | 56.8643% | 3,858 |
| Net loans and leases to deposits | 68.5946% | 3,768 |
| Net loans and leases to core deposits | 75.5414% | 3,609 |
| Total domestic deposits to total assets | 82.8991% | 3,231 |
| Equity capital to assets | 10.5614% | 3,388 |
| Core capital (leverage) ratio | 10.4849% | 2,963 |
| Tier 1 risk-based capital ratio | 16.0340% | 2,392 |
| Total risk-based capital ratio | 16.9258% | 2,449 |
| Memoranda: | ||
| Average total assets | $346,944,400 | 1,923 |
| Average earning assets | $322,497,800 | 1,911 |
| Average equity | $36,029,400 | 2,094 |
| Average total loans | $204,513,400 | 2,135 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2139% | 3,892 |
| Cost of funding earning assets | 0.9246% | 2,118 |
| Net interest margin | 3.2893% | 4,105 |
| Noninterest income to average assets | 0.6080% | 2,166 |
| Noninterest expense to average assets | 2.2485% | 4,077 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4000% | 1,469 |
| Return on assets (ROA) | 1.4127% | 1,490 |
| Pretax return on assets | 1.4302% | 2,189 |
| Return on Equity (ROE) | 13.6652% | 1,063 |
| Retained earnings to average equity (ytd only) | 8.8369% | 1,090 |
| Net charge-offs to loans | 0.0052% | 3,205 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 455.5961% | 217 |
| Efficiency ratio | 61.3362% | 3,432 |
| Assets per employee ($millions) | 6.4373% | 1,307 |
| Cash dividends to net income (ytd only)* | 35.3330% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9522% | 3,819 |
| Loan loss allowance to noncurrent loans | 490.7731% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.1112% | 4,157 |
| Noncurrent loans to loans | 0.1940% | 3,843 |
| Net loans and leases to total assets | 56.7875% | 3,990 |
| Net loans and leases to deposits | 68.6467% | 3,871 |
| Net loans and leases to core deposits | 76.3540% | 3,672 |
| Total domestic deposits to total assets | 82.7243% | 3,244 |
| Equity capital to assets | 10.5130% | 3,532 |
| Core capital (leverage) ratio | 10.4843% | 3,119 |
| Tier 1 risk-based capital ratio | 16.0510% | 2,411 |
| Total risk-based capital ratio | 16.9016% | 2,518 |
| Memoranda: | ||
| Average total assets | $342,970,250 | 1,945 |
| Average earning assets | $318,841,500 | 1,938 |
| Average equity | $35,456,500 | 2,132 |
| Average total loans | $203,538,500 | 2,155 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1982% | 3,930 |
| Cost of funding earning assets | 0.8826% | 2,229 |
| Net interest margin | 3.3156% | 4,106 |
| Noninterest income to average assets | 0.6015% | 2,144 |
| Noninterest expense to average assets | 2.3130% | 3,974 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3462% | 1,595 |
| Return on assets (ROA) | 1.3550% | 1,623 |
| Pretax return on assets | 1.3728% | 2,294 |
| Return on Equity (ROE) | 13.1861% | 1,183 |
| Retained earnings to average equity (ytd only) | 8.2384% | 1,300 |
| Net charge-offs to loans | -0.0030% | 4,028 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9074% | 3,300 |
| Assets per employee ($millions) | 6.3074% | 1,331 |
| Cash dividends to net income (ytd only)* | 37.5219% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9613% | 3,824 |
| Loan loss allowance to noncurrent loans | 339.4511% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.1681% | 3,928 |
| Noncurrent loans to loans | 0.2832% | 3,523 |
| Net loans and leases to total assets | 58.7750% | 3,844 |
| Net loans and leases to deposits | 71.3273% | 3,737 |
| Net loans and leases to core deposits | 78.3722% | 3,550 |
| Total domestic deposits to total assets | 82.4019% | 3,403 |
| Equity capital to assets | 10.5305% | 3,491 |
| Core capital (leverage) ratio | 10.7437% | 2,847 |
| Tier 1 risk-based capital ratio | 15.7291% | 2,532 |
| Total risk-based capital ratio | 16.5886% | 2,618 |
| Memoranda: | ||
| Average total assets | $337,131,000 | 1,975 |
| Average earning assets | $312,703,330 | 1,969 |
| Average equity | $34,642,670 | 2,158 |
| Average total loans | $202,491,330 | 2,171 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1589% | 3,976 |
| Cost of funding earning assets | 0.8310% | 2,364 |
| Net interest margin | 3.3279% | 4,094 |
| Noninterest income to average assets | 0.5984% | 2,051 |
| Noninterest expense to average assets | 2.3284% | 3,952 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3653% | 1,473 |
| Return on assets (ROA) | 1.3653% | 1,517 |
| Pretax return on assets | 1.3653% | 2,213 |
| Return on Equity (ROE) | 13.4605% | 1,096 |
| Retained earnings to average equity (ytd only) | 13.4249% | 410 |
| Net charge-offs to loans | -0.0259% | 4,595 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0378% | 3,378 |
| Assets per employee ($millions) | 5.8554% | 1,661 |
| Cash dividends to net income (ytd only)* | 0.2646% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9861% | 3,794 |
| Loan loss allowance to noncurrent loans | 647.8827% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.0920% | 4,351 |
| Noncurrent loans to loans | 0.1522% | 4,053 |
| Net loans and leases to total assets | 59.8406% | 3,726 |
| Net loans and leases to deposits | 72.9367% | 3,535 |
| Net loans and leases to core deposits | 80.2650% | 3,344 |
| Total domestic deposits to total assets | 82.0446% | 3,712 |
| Equity capital to assets | 10.4232% | 3,396 |
| Core capital (leverage) ratio | 10.9108% | 2,656 |
| Tier 1 risk-based capital ratio | 15.8891% | 2,490 |
| Total risk-based capital ratio | 16.7689% | 2,561 |
| Memoranda: | ||
| Average total assets | $332,243,500 | 2,011 |
| Average earning assets | $309,027,000 | 2,006 |
| Average equity | $33,698,500 | 2,203 |
| Average total loans | $200,800,500 | 2,207 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0779% | 3,807 |
| Cost of funding earning assets | 0.6654% | 2,298 |
| Net interest margin | 3.4125% | 3,969 |
| Noninterest income to average assets | 0.5864% | 2,369 |
| Noninterest expense to average assets | 2.3522% | 3,988 |
| Loan and lease loss provision to assets | -0.1716% | 5,316 |
| Net operating income to assets | 1.5652% | 958 |
| Return on assets (ROA) | 1.5652% | 951 |
| Pretax return on assets | 1.5842% | 1,515 |
| Return on Equity (ROE) | 15.9473% | 643 |
| Retained earnings to average equity (ytd only) | 8.9111% | 898 |
| Net charge-offs to loans | -0.3946% | 5,328 |
| Credit loss provision to net charge-offs | 71.7080% | 2,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2535% | 3,478 |
| Assets per employee ($millions) | 5.9059% | 1,590 |
| Cash dividends to net income (ytd only)* | 44.1212% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9890% | 3,768 |
| Loan loss allowance to noncurrent loans | 855.8442% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 4,478 |
| Noncurrent loans to loans | 0.1156% | 4,207 |
| Net loans and leases to total assets | 59.8412% | 3,797 |
| Net loans and leases to deposits | 70.8447% | 3,759 |
| Net loans and leases to core deposits | 77.8288% | 3,594 |
| Total domestic deposits to total assets | 84.4681% | 2,848 |
| Equity capital to assets | 9.8596% | 3,806 |
| Core capital (leverage) ratio | 10.8464% | 2,681 |
| Tier 1 risk-based capital ratio | 15.4893% | 2,625 |
| Total risk-based capital ratio | 16.3695% | 2,712 |
| Memoranda: | ||
| Average total assets | $320,594,600 | 2,039 |
| Average earning assets | $298,610,200 | 2,025 |
| Average equity | $31,466,200 | 2,256 |
| Average total loans | $194,370,400 | 2,215 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0662% | 3,738 |
| Cost of funding earning assets | 0.6476% | 2,164 |
| Net interest margin | 3.4186% | 3,950 |
| Noninterest income to average assets | 0.5915% | 2,359 |
| Noninterest expense to average assets | 2.3467% | 3,984 |
| Loan and lease loss provision to assets | -0.2306% | 5,416 |
| Net operating income to assets | 1.6399% | 863 |
| Return on assets (ROA) | 1.6399% | 869 |
| Pretax return on assets | 1.6642% | 1,368 |
| Return on Equity (ROE) | 16.7280% | 581 |
| Retained earnings to average equity (ytd only) | 11.1220% | 621 |
| Net charge-offs to loans | -0.5700% | 5,409 |
| Credit loss provision to net charge-offs | 66.6667% | 2,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7764% | 3,545 |
| Assets per employee ($millions) | 5.8545% | 1,601 |
| Cash dividends to net income (ytd only)* | 33.5123% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0448% | 3,497 |
| Loan loss allowance to noncurrent loans | 660.7143% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.0957% | 4,498 |
| Noncurrent loans to loans | 0.1581% | 4,167 |
| Net loans and leases to total assets | 59.8552% | 3,857 |
| Net loans and leases to deposits | 71.5099% | 3,807 |
| Net loans and leases to core deposits | 78.5065% | 3,619 |
| Total domestic deposits to total assets | 83.7020% | 3,047 |
| Equity capital to assets | 9.8423% | 3,786 |
| Core capital (leverage) ratio | 10.6944% | 2,886 |
| Tier 1 risk-based capital ratio | 15.8184% | 2,521 |
| Total risk-based capital ratio | 16.7491% | 2,583 |
| Memoranda: | ||
| Average total assets | $318,060,250 | 2,070 |
| Average earning assets | $296,679,000 | 2,045 |
| Average equity | $31,180,500 | 2,271 |
| Average total loans | $192,990,250 | 2,236 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0374% | 3,658 |
| Cost of funding earning assets | 0.6134% | 2,143 |
| Net interest margin | 3.4240% | 3,883 |
| Noninterest income to average assets | 0.5822% | 2,420 |
| Noninterest expense to average assets | 2.3577% | 4,006 |
| Loan and lease loss provision to assets | -0.3473% | 5,503 |
| Net operating income to assets | 1.7345% | 675 |
| Return on assets (ROA) | 1.7345% | 675 |
| Pretax return on assets | 1.7617% | 1,069 |
| Return on Equity (ROE) | 17.7169% | 451 |
| Retained earnings to average equity (ytd only) | 12.0284% | 511 |
| Net charge-offs to loans | -0.8545% | 5,483 |
| Credit loss provision to net charge-offs | 66.9100% | 2,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0522% | 3,615 |
| Assets per employee ($millions) | 5.7879% | 1,646 |
| Cash dividends to net income (ytd only)* | 32.1078% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0393% | 3,600 |
| Loan loss allowance to noncurrent loans | 883.4783% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.0823% | 4,597 |
| Noncurrent loans to loans | 0.1176% | 4,378 |
| Net loans and leases to total assets | 60.7834% | 3,729 |
| Net loans and leases to deposits | 73.1332% | 3,611 |
| Net loans and leases to core deposits | 80.0378% | 3,417 |
| Total domestic deposits to total assets | 83.1132% | 3,383 |
| Equity capital to assets | 9.8407% | 3,780 |
| Core capital (leverage) ratio | 10.6268% | 2,892 |
| Tier 1 risk-based capital ratio | 15.3149% | 2,722 |
| Total risk-based capital ratio | 16.2342% | 2,804 |
| Memoranda: | ||
| Average total assets | $316,748,000 | 2,083 |
| Average earning assets | $295,092,000 | 2,071 |
| Average equity | $31,010,000 | 2,287 |
| Average total loans | $192,398,000 | 2,243 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9771% | 3,701 |
| Cost of funding earning assets | 0.5995% | 2,058 |
| Net interest margin | 3.3777% | 3,955 |
| Noninterest income to average assets | 0.6267% | 2,144 |
| Noninterest expense to average assets | 2.3649% | 4,030 |
| Loan and lease loss provision to assets | -0.6963% | 5,587 |
| Net operating income to assets | 2.0826% | 309 |
| Return on assets (ROA) | 2.0826% | 311 |
| Pretax return on assets | 2.1180% | 445 |
| Return on Equity (ROE) | 21.3276% | 180 |
| Retained earnings to average equity (ytd only) | 15.4415% | 289 |
| Net charge-offs to loans | -1.7188% | 5,558 |
| Credit loss provision to net charge-offs | 67.0732% | 1,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9191% | 3,803 |
| Assets per employee ($millions) | 5.7254% | 1,742 |
| Cash dividends to net income (ytd only)* | 27.5988% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0546% | 3,634 |
| Loan loss allowance to noncurrent loans | 554.6448% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 3,914 |
| Noncurrent loans to loans | 0.1901% | 4,110 |
| Net loans and leases to total assets | 60.4833% | 3,702 |
| Net loans and leases to deposits | 72.9331% | 3,520 |
| Net loans and leases to core deposits | 80.1174% | 3,312 |
| Total domestic deposits to total assets | 82.9299% | 3,690 |
| Equity capital to assets | 9.8020% | 3,793 |
| Core capital (leverage) ratio | 10.4939% | 2,950 |
| Tier 1 risk-based capital ratio | 15.1322% | 2,816 |
| Total risk-based capital ratio | 16.0585% | 2,901 |
| Memoranda: | ||
| Average total assets | $315,956,000 | 2,097 |
| Average earning assets | $295,589,500 | 2,089 |
| Average equity | $30,852,000 | 2,314 |
| Average total loans | $190,834,500 | 2,263 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8715% | 3,816 |
| Cost of funding earning assets | 0.5869% | 1,697 |
| Net interest margin | 3.2846% | 4,204 |
| Noninterest income to average assets | 0.5695% | 2,607 |
| Noninterest expense to average assets | 2.3118% | 4,293 |
| Loan and lease loss provision to assets | 0.0276% | 3,729 |
| Net operating income to assets | 1.2874% | 1,256 |
| Return on assets (ROA) | 1.2927% | 1,261 |
| Pretax return on assets | 1.3073% | 2,318 |
| Return on Equity (ROE) | 13.4397% | 859 |
| Retained earnings to average equity (ytd only) | 6.6325% | 1,217 |
| Net charge-offs to loans | 0.0917% | 2,167 |
| Credit loss provision to net charge-offs | 51.1765% | 3,316 |
| Earnings coverage of net charge-offs (x) | 24.6647% | 1,748 |
| Efficiency ratio | 62.9223% | 3,792 |
| Assets per employee ($millions) | 5.8707% | 1,606 |
| Cash dividends to net income (ytd only)* | 50.6500% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9303% | 4,316 |
| Loan loss allowance to noncurrent loans | 504.2980% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.2505% | 3,886 |
| Noncurrent loans to loans | 0.1845% | 4,180 |
| Net loans and leases to total assets | 59.1199% | 3,912 |
| Net loans and leases to deposits | 70.0853% | 3,869 |
| Net loans and leases to core deposits | 77.7463% | 3,610 |
| Total domestic deposits to total assets | 84.3542% | 3,081 |
| Equity capital to assets | 9.7276% | 3,997 |
| Core capital (leverage) ratio | 10.0448% | 3,401 |
| Tier 1 risk-based capital ratio | 14.7684% | 2,951 |
| Total risk-based capital ratio | 15.5816% | 3,088 |
| Memoranda: | ||
| Average total assets | $315,380,000 | 2,091 |
| Average earning assets | $294,950,000 | 2,069 |
| Average equity | $30,335,600 | 2,335 |
| Average total loans | $185,300,800 | 2,277 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8472% | 3,843 |
| Cost of funding earning assets | 0.5820% | 1,660 |
| Net interest margin | 3.2652% | 4,276 |
| Noninterest income to average assets | 0.5622% | 2,660 |
| Noninterest expense to average assets | 2.2694% | 4,377 |
| Loan and lease loss provision to assets | 0.0207% | 3,733 |
| Net operating income to assets | 1.3068% | 1,306 |
| Return on assets (ROA) | 1.3140% | 1,324 |
| Pretax return on assets | 1.3334% | 2,349 |
| Return on Equity (ROE) | 13.6993% | 894 |
| Retained earnings to average equity (ytd only) | 9.0167% | 832 |
| Net charge-offs to loans | 0.1027% | 1,760 |
| Credit loss provision to net charge-offs | 34.5070% | 3,047 |
| Earnings coverage of net charge-offs (x) | 22.4083% | 1,864 |
| Efficiency ratio | 62.1796% | 3,850 |
| Assets per employee ($millions) | 5.9985% | 1,497 |
| Cash dividends to net income (ytd only)* | 34.1817% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9508% | 4,318 |
| Loan loss allowance to noncurrent loans | 447.5703% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.2715% | 3,985 |
| Noncurrent loans to loans | 0.2124% | 4,216 |
| Net loans and leases to total assets | 57.3437% | 4,122 |
| Net loans and leases to deposits | 68.3847% | 4,085 |
| Net loans and leases to core deposits | 75.1511% | 3,874 |
| Total domestic deposits to total assets | 83.8546% | 3,176 |
| Equity capital to assets | 9.9529% | 3,958 |
| Core capital (leverage) ratio | 10.1239% | 3,414 |
| Tier 1 risk-based capital ratio | 15.1309% | 2,868 |
| Total risk-based capital ratio | 15.9589% | 2,990 |
| Memoranda: | ||
| Average total assets | $314,970,750 | 2,108 |
| Average earning assets | $294,614,750 | 2,082 |
| Average equity | $30,210,000 | 2,361 |
| Average total loans | $184,331,000 | 2,296 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8221% | 3,818 |
| Cost of funding earning assets | 0.5790% | 1,582 |
| Net interest margin | 3.2431% | 4,281 |
| Noninterest income to average assets | 0.5414% | 2,761 |
| Noninterest expense to average assets | 2.2555% | 4,449 |
| Loan and lease loss provision to assets | 0.0312% | 3,376 |
| Net operating income to assets | 1.2721% | 1,372 |
| Return on assets (ROA) | 1.2841% | 1,368 |
| Pretax return on assets | 1.3032% | 2,372 |
| Return on Equity (ROE) | 13.5608% | 909 |
| Retained earnings to average equity (ytd only) | 8.8051% | 899 |
| Net charge-offs to loans | 0.1150% | 1,487 |
| Credit loss provision to net charge-offs | 46.2264% | 2,597 |
| Earnings coverage of net charge-offs (x) | 19.5849% | 1,824 |
| Efficiency ratio | 62.4533% | 3,915 |
| Assets per employee ($millions) | 5.8494% | 1,578 |
| Cash dividends to net income (ytd only)* | 35.0694% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9784% | 4,275 |
| Loan loss allowance to noncurrent loans | 218.0708% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.4233% | 3,425 |
| Noncurrent loans to loans | 0.4487% | 3,403 |
| Net loans and leases to total assets | 57.2266% | 4,102 |
| Net loans and leases to deposits | 68.3722% | 4,032 |
| Net loans and leases to core deposits | 74.4507% | 3,900 |
| Total domestic deposits to total assets | 83.6986% | 3,323 |
| Equity capital to assets | 9.8113% | 4,119 |
| Core capital (leverage) ratio | 10.0118% | 3,524 |
| Tier 1 risk-based capital ratio | 14.9745% | 2,937 |
| Total risk-based capital ratio | 15.8308% | 3,043 |
| Memoranda: | ||
| Average total assets | $313,988,330 | 2,109 |
| Average earning assets | $293,975,330 | 2,095 |
| Average equity | $29,732,670 | 2,387 |
| Average total loans | $184,422,670 | 2,310 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8126% | 3,719 |
| Cost of funding earning assets | 0.5770% | 1,530 |
| Net interest margin | 3.2356% | 4,226 |
| Noninterest income to average assets | 0.5098% | 2,910 |
| Noninterest expense to average assets | 2.1990% | 4,650 |
| Loan and lease loss provision to assets | 0.0626% | 2,552 |
| Net operating income to assets | 1.2599% | 1,348 |
| Return on assets (ROA) | 1.2599% | 1,382 |
| Pretax return on assets | 1.2790% | 2,313 |
| Return on Equity (ROE) | 13.5516% | 891 |
| Retained earnings to average equity (ytd only) | 8.6862% | 1,195 |
| Net charge-offs to loans | 0.0863% | 1,483 |
| Credit loss provision to net charge-offs | 122.5000% | 1,374 |
| Earnings coverage of net charge-offs (x) | 26.2500% | 1,314 |
| Efficiency ratio | 61.5301% | 4,221 |
| Assets per employee ($millions) | 5.7876% | 1,664 |
| Cash dividends to net income (ytd only)* | 35.9026% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 4,282 |
| Loan loss allowance to noncurrent loans | 418.0587% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.3574% | 3,775 |
| Noncurrent loans to loans | 0.2394% | 4,253 |
| Net loans and leases to total assets | 58.6239% | 3,921 |
| Net loans and leases to deposits | 70.5318% | 3,740 |
| Net loans and leases to core deposits | 76.6892% | 3,590 |
| Total domestic deposits to total assets | 83.1170% | 3,794 |
| Equity capital to assets | 9.4780% | 4,298 |
| Core capital (leverage) ratio | 9.7553% | 3,806 |
| Tier 1 risk-based capital ratio | 14.6762% | 3,128 |
| Total risk-based capital ratio | 15.5661% | 3,227 |
| Memoranda: | ||
| Average total assets | $313,048,000 | 2,132 |
| Average earning assets | $293,238,000 | 2,111 |
| Average equity | $29,103,500 | 2,439 |
| Average total loans | $185,360,500 | 2,314 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9111% | 3,536 |
| Cost of funding earning assets | 0.5846% | 1,457 |
| Net interest margin | 3.3266% | 4,067 |
| Noninterest income to average assets | 0.6022% | 2,652 |
| Noninterest expense to average assets | 2.3193% | 4,512 |
| Loan and lease loss provision to assets | 0.2204% | 1,002 |
| Net operating income to assets | 1.1621% | 1,640 |
| Return on assets (ROA) | 1.1939% | 1,619 |
| Pretax return on assets | 1.2083% | 2,627 |
| Return on Equity (ROE) | 12.3994% | 1,144 |
| Retained earnings to average equity (ytd only) | 6.6078% | 1,407 |
| Net charge-offs to loans | 0.3752% | 721 |
| Credit loss provision to net charge-offs | 97.3951% | 2,656 |
| Earnings coverage of net charge-offs (x) | 6.1722% | 3,220 |
| Efficiency ratio | 61.8435% | 4,280 |
| Assets per employee ($millions) | 5.8067% | 1,615 |
| Cash dividends to net income (ytd only)* | 46.7087% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9927% | 4,377 |
| Loan loss allowance to noncurrent loans | 476.2274% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.3384% | 3,922 |
| Noncurrent loans to loans | 0.2085% | 4,409 |
| Net loans and leases to total assets | 58.6188% | 4,007 |
| Net loans and leases to deposits | 69.4620% | 3,964 |
| Net loans and leases to core deposits | 75.7420% | 3,768 |
| Total domestic deposits to total assets | 84.3897% | 3,277 |
| Equity capital to assets | 9.1162% | 4,688 |
| Core capital (leverage) ratio | 9.4938% | 4,091 |
| Tier 1 risk-based capital ratio | 14.2067% | 3,345 |
| Total risk-based capital ratio | 15.0820% | 3,465 |
| Memoranda: | ||
| Average total assets | $305,397,000 | 2,136 |
| Average earning assets | $285,851,400 | 2,124 |
| Average equity | $29,404,600 | 2,406 |
| Average total loans | $184,164,000 | 2,272 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9359% | 3,472 |
| Cost of funding earning assets | 0.5817% | 1,472 |
| Net interest margin | 3.3542% | 4,019 |
| Noninterest income to average assets | 0.5995% | 2,662 |
| Noninterest expense to average assets | 2.3299% | 4,458 |
| Loan and lease loss provision to assets | 0.1341% | 1,751 |
| Net operating income to assets | 1.2566% | 1,429 |
| Return on assets (ROA) | 1.2988% | 1,397 |
| Pretax return on assets | 1.3181% | 2,354 |
| Return on Equity (ROE) | 13.3062% | 969 |
| Retained earnings to average equity (ytd only) | 8.5781% | 948 |
| Net charge-offs to loans | 0.0602% | 2,491 |
| Credit loss provision to net charge-offs | 367.4699% | 896 |
| Earnings coverage of net charge-offs (x) | 38.6399% | 1,272 |
| Efficiency ratio | 61.7301% | 4,275 |
| Assets per employee ($millions) | 5.8039% | 1,580 |
| Cash dividends to net income (ytd only)* | 35.5331% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1167% | 3,750 |
| Loan loss allowance to noncurrent loans | 198.1922% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.6123% | 3,069 |
| Noncurrent loans to loans | 0.5634% | 3,309 |
| Net loans and leases to total assets | 58.8550% | 4,008 |
| Net loans and leases to deposits | 70.3594% | 3,954 |
| Net loans and leases to core deposits | 76.3487% | 3,801 |
| Total domestic deposits to total assets | 83.6492% | 3,338 |
| Equity capital to assets | 9.7977% | 4,362 |
| Core capital (leverage) ratio | 9.7069% | 3,930 |
| Tier 1 risk-based capital ratio | 14.5407% | 3,271 |
| Total risk-based capital ratio | 15.5547% | 3,323 |
| Memoranda: | ||
| Average total assets | $303,355,500 | 2,156 |
| Average earning assets | $283,974,500 | 2,140 |
| Average equity | $29,609,500 | 2,394 |
| Average total loans | $183,792,500 | 2,276 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9507% | 3,425 |
| Cost of funding earning assets | 0.5772% | 1,488 |
| Net interest margin | 3.3735% | 3,988 |
| Noninterest income to average assets | 0.5900% | 2,670 |
| Noninterest expense to average assets | 2.3133% | 4,575 |
| Loan and lease loss provision to assets | 0.0967% | 2,218 |
| Net operating income to assets | 1.3199% | 1,224 |
| Return on assets (ROA) | 1.3833% | 1,155 |
| Pretax return on assets | 1.4046% | 2,007 |
| Return on Equity (ROE) | 14.1911% | 801 |
| Retained earnings to average equity (ytd only) | 9.4037% | 743 |
| Net charge-offs to loans | 0.0634% | 2,288 |
| Credit loss provision to net charge-offs | 250.0000% | 1,099 |
| Earnings coverage of net charge-offs (x) | 37.1552% | 1,209 |
| Efficiency ratio | 61.1022% | 4,494 |
| Assets per employee ($millions) | 5.5344% | 1,764 |
| Cash dividends to net income (ytd only)* | 33.7349% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0541% | 4,203 |
| Loan loss allowance to noncurrent loans | 166.7808% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.7021% | 2,874 |
| Noncurrent loans to loans | 0.6320% | 3,188 |
| Net loans and leases to total assets | 60.0737% | 3,877 |
| Net loans and leases to deposits | 72.4518% | 3,746 |
| Net loans and leases to core deposits | 77.9763% | 3,645 |
| Total domestic deposits to total assets | 82.9154% | 3,683 |
| Equity capital to assets | 9.9277% | 4,309 |
| Core capital (leverage) ratio | 9.8280% | 3,779 |
| Tier 1 risk-based capital ratio | 14.6009% | 3,256 |
| Total risk-based capital ratio | 15.5707% | 3,347 |
| Memoranda: | ||
| Average total assets | $300,004,330 | 2,182 |
| Average earning assets | $281,013,330 | 2,167 |
| Average equity | $29,243,670 | 2,429 |
| Average total loans | $182,876,670 | 2,286 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0089% | 3,197 |
| Cost of funding earning assets | 0.5766% | 1,497 |
| Net interest margin | 3.4323% | 3,753 |
| Noninterest income to average assets | 0.5990% | 2,541 |
| Noninterest expense to average assets | 2.2981% | 4,670 |
| Loan and lease loss provision to assets | 0.1289% | 1,646 |
| Net operating income to assets | 1.3751% | 1,087 |
| Return on assets (ROA) | 1.4828% | 929 |
| Pretax return on assets | 1.5030% | 1,575 |
| Return on Equity (ROE) | 15.3568% | 618 |
| Retained earnings to average equity (ytd only) | 10.4882% | 746 |
| Net charge-offs to loans | -0.0022% | 4,130 |
| Credit loss provision to net charge-offs | -9,600.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5782% | 4,801 |
| Assets per employee ($millions) | 5.4330% | 1,888 |
| Cash dividends to net income (ytd only)* | 31.7029% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0645% | 4,260 |
| Loan loss allowance to noncurrent loans | 125.5128% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.7577% | 2,807 |
| Noncurrent loans to loans | 0.8481% | 2,729 |
| Net loans and leases to total assets | 60.8991% | 3,662 |
| Net loans and leases to deposits | 73.7054% | 3,465 |
| Net loans and leases to core deposits | 79.4495% | 3,369 |
| Total domestic deposits to total assets | 82.6250% | 4,028 |
| Equity capital to assets | 9.7951% | 4,346 |
| Core capital (leverage) ratio | 9.6416% | 3,977 |
| Tier 1 risk-based capital ratio | 14.0009% | 3,696 |
| Total risk-based capital ratio | 14.9561% | 3,795 |
| Memoranda: | ||
| Average total assets | $297,811,000 | 2,202 |
| Average earning assets | $279,578,500 | 2,184 |
| Average equity | $28,756,000 | 2,454 |
| Average total loans | $181,911,500 | 2,293 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8940% | 3,725 |
| Cost of funding earning assets | 0.5787% | 1,504 |
| Net interest margin | 3.3153% | 4,227 |
| Noninterest income to average assets | 0.5270% | 3,155 |
| Noninterest expense to average assets | 2.3325% | 4,700 |
| Loan and lease loss provision to assets | 0.1429% | 1,660 |
| Net operating income to assets | 1.1610% | 1,695 |
| Return on assets (ROA) | 1.1876% | 1,672 |
| Pretax return on assets | 1.2037% | 2,647 |
| Return on Equity (ROE) | 12.5253% | 1,172 |
| Retained earnings to average equity (ytd only) | 6.3405% | 1,637 |
| Net charge-offs to loans | 0.4261% | 658 |
| Credit loss provision to net charge-offs | 56.5986% | 3,302 |
| Earnings coverage of net charge-offs (x) | 5.2272% | 3,422 |
| Efficiency ratio | 63.2524% | 4,403 |
| Assets per employee ($millions) | 5.3001% | 2,012 |
| Cash dividends to net income (ytd only)* | 49.3781% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0351% | 4,412 |
| Loan loss allowance to noncurrent loans | 104.6067% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 0.8487% | 2,546 |
| Noncurrent loans to loans | 0.9895% | 2,358 |
| Net loans and leases to total assets | 59.9809% | 3,842 |
| Net loans and leases to deposits | 70.8234% | 3,828 |
| Net loans and leases to core deposits | 77.5549% | 3,600 |
| Total domestic deposits to total assets | 84.6908% | 3,211 |
| Equity capital to assets | 9.5156% | 4,534 |
| Core capital (leverage) ratio | 9.3998% | 4,320 |
| Tier 1 risk-based capital ratio | 13.8673% | 3,791 |
| Total risk-based capital ratio | 14.7906% | 3,916 |
| Memoranda: | ||
| Average total assets | $291,100,200 | 2,203 |
| Average earning assets | $274,420,800 | 2,173 |
| Average equity | $27,600,200 | 2,495 |
| Average total loans | $172,495,400 | 2,328 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8862% | 3,785 |
| Cost of funding earning assets | 0.5747% | 1,583 |
| Net interest margin | 3.3115% | 4,293 |
| Noninterest income to average assets | 0.5210% | 3,219 |
| Noninterest expense to average assets | 2.3193% | 4,736 |
| Loan and lease loss provision to assets | 0.0902% | 2,363 |
| Net operating income to assets | 1.2140% | 1,602 |
| Return on assets (ROA) | 1.2492% | 1,543 |
| Pretax return on assets | 1.2690% | 2,514 |
| Return on Equity (ROE) | 13.1875% | 1,086 |
| Retained earnings to average equity (ytd only) | 7.8085% | 1,327 |
| Net charge-offs to loans | 0.0555% | 2,809 |
| Credit loss provision to net charge-offs | 276.0563% | 1,046 |
| Earnings coverage of net charge-offs (x) | 40.4948% | 1,230 |
| Efficiency ratio | 63.0528% | 4,395 |
| Assets per employee ($millions) | 5.3636% | 1,892 |
| Cash dividends to net income (ytd only)* | 40.7884% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3001% | 3,090 |
| Loan loss allowance to noncurrent loans | 117.7131% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 0.7668% | 2,986 |
| Noncurrent loans to loans | 1.1045% | 2,285 |
| Net loans and leases to total assets | 59.3445% | 3,959 |
| Net loans and leases to deposits | 70.2114% | 3,958 |
| Net loans and leases to core deposits | 76.9550% | 3,697 |
| Total domestic deposits to total assets | 84.5226% | 3,211 |
| Equity capital to assets | 9.5353% | 4,712 |
| Core capital (leverage) ratio | 9.5943% | 4,173 |
| Tier 1 risk-based capital ratio | 14.3182% | 3,668 |
| Total risk-based capital ratio | 15.5052% | 3,632 |
| Memoranda: | ||
| Average total assets | $289,673,250 | 2,225 |
| Average earning assets | $273,065,000 | 2,202 |
| Average equity | $27,439,500 | 2,520 |
| Average total loans | $170,646,750 | 2,359 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8691% | 3,802 |
| Cost of funding earning assets | 0.5701% | 1,646 |
| Net interest margin | 3.2990% | 4,307 |
| Noninterest income to average assets | 0.5203% | 3,224 |
| Noninterest expense to average assets | 2.3112% | 4,816 |
| Loan and lease loss provision to assets | 0.0695% | 2,723 |
| Net operating income to assets | 1.2315% | 1,513 |
| Return on assets (ROA) | 1.2567% | 1,494 |
| Pretax return on assets | 1.2768% | 2,446 |
| Return on Equity (ROE) | 13.2967% | 1,059 |
| Retained earnings to average equity (ytd only) | 7.7325% | 1,374 |
| Net charge-offs to loans | 0.0523% | 2,673 |
| Credit loss provision to net charge-offs | 227.2727% | 1,117 |
| Earnings coverage of net charge-offs (x) | 43.2045% | 1,070 |
| Efficiency ratio | 63.0069% | 4,518 |
| Assets per employee ($millions) | 5.2439% | 1,997 |
| Cash dividends to net income (ytd only)* | 41.8463% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 3,162 |
| Loan loss allowance to noncurrent loans | 122.9121% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 0.7797% | 3,049 |
| Noncurrent loans to loans | 1.0694% | 2,507 |
| Net loans and leases to total assets | 59.3111% | 3,931 |
| Net loans and leases to deposits | 70.5379% | 3,868 |
| Net loans and leases to core deposits | 76.2089% | 3,747 |
| Total domestic deposits to total assets | 84.0840% | 3,532 |
| Equity capital to assets | 9.6879% | 4,418 |
| Core capital (leverage) ratio | 9.5226% | 4,254 |
| Tier 1 risk-based capital ratio | 14.5282% | 3,618 |
| Total risk-based capital ratio | 15.7206% | 3,580 |
| Memoranda: | ||
| Average total assets | $287,898,330 | 2,252 |
| Average earning assets | $271,535,000 | 2,222 |
| Average equity | $27,209,670 | 2,546 |
| Average total loans | $168,405,330 | 2,391 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8479% | 3,833 |
| Cost of funding earning assets | 0.5708% | 1,654 |
| Net interest margin | 3.2771% | 4,313 |
| Noninterest income to average assets | 0.5402% | 3,022 |
| Noninterest expense to average assets | 2.2476% | 5,013 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3661% | 1,104 |
| Return on assets (ROA) | 1.4111% | 1,069 |
| Pretax return on assets | 1.4318% | 1,770 |
| Return on Equity (ROE) | 15.1155% | 693 |
| Retained earnings to average equity (ytd only) | 9.1077% | 1,161 |
| Net charge-offs to loans | -0.0024% | 4,367 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2438% | 4,927 |
| Assets per employee ($millions) | 5.1842% | 2,131 |
| Cash dividends to net income (ytd only)* | 39.7461% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3080% | 3,359 |
| Loan loss allowance to noncurrent loans | 325.1863% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.3565% | 4,581 |
| Noncurrent loans to loans | 0.4022% | 4,386 |
| Net loans and leases to total assets | 56.7120% | 4,123 |
| Net loans and leases to deposits | 67.3513% | 4,018 |
| Net loans and leases to core deposits | 73.4463% | 3,831 |
| Total domestic deposits to total assets | 84.2033% | 3,738 |
| Equity capital to assets | 9.4773% | 4,774 |
| Core capital (leverage) ratio | 9.3124% | 4,554 |
| Tier 1 risk-based capital ratio | 14.5766% | 3,684 |
| Total risk-based capital ratio | 15.7629% | 3,640 |
| Memoranda: | ||
| Average total assets | $290,263,500 | 2,247 |
| Average earning assets | $274,021,000 | 2,215 |
| Average equity | $27,098,000 | 2,573 |
| Average total loans | $167,514,500 | 2,401 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0611% | 3,476 |
| Cost of funding earning assets | 0.6159% | 1,633 |
| Net interest margin | 3.4453% | 4,002 |
| Noninterest income to average assets | 0.4613% | 3,768 |
| Noninterest expense to average assets | 2.3766% | 4,901 |
| Loan and lease loss provision to assets | 0.1646% | 1,592 |
| Net operating income to assets | 1.1521% | 1,767 |
| Return on assets (ROA) | 1.1776% | 1,722 |
| Pretax return on assets | 1.1897% | 2,689 |
| Return on Equity (ROE) | 12.9391% | 1,158 |
| Retained earnings to average equity (ytd only) | 5.4848% | 2,270 |
| Net charge-offs to loans | -0.0120% | 5,593 |
| Credit loss provision to net charge-offs | -2,305.0000% | 5,992 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5155% | 4,669 |
| Assets per employee ($millions) | 5.1824% | 2,088 |
| Cash dividends to net income (ytd only)* | 57.6107% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2972% | 3,443 |
| Loan loss allowance to noncurrent loans | 306.0309% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.4204% | 4,422 |
| Noncurrent loans to loans | 0.4239% | 4,368 |
| Net loans and leases to total assets | 57.2069% | 4,169 |
| Net loans and leases to deposits | 68.3972% | 4,088 |
| Net loans and leases to core deposits | 74.8083% | 3,841 |
| Total domestic deposits to total assets | 83.6393% | 3,868 |
| Equity capital to assets | 9.1939% | 5,083 |
| Core capital (leverage) ratio | 9.1657% | 4,722 |
| Tier 1 risk-based capital ratio | 13.8711% | 4,191 |
| Total risk-based capital ratio | 15.0339% | 4,181 |
| Memoranda: | ||
| Average total assets | $280,069,600 | 2,279 |
| Average earning assets | $263,695,000 | 2,245 |
| Average equity | $25,488,600 | 2,611 |
| Average total loans | $166,111,800 | 2,364 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1015% | 3,365 |
| Cost of funding earning assets | 0.6236% | 1,653 |
| Net interest margin | 3.4779% | 3,908 |
| Noninterest income to average assets | 0.4602% | 3,820 |
| Noninterest expense to average assets | 2.4040% | 4,810 |
| Loan and lease loss provision to assets | 0.1254% | 1,995 |
| Net operating income to assets | 1.1850% | 1,735 |
| Return on assets (ROA) | 1.2005% | 1,748 |
| Pretax return on assets | 1.2207% | 2,702 |
| Return on Equity (ROE) | 13.2270% | 1,165 |
| Retained earnings to average equity (ytd only) | 9.2573% | 910 |
| Net charge-offs to loans | -0.0580% | 5,968 |
| Credit loss provision to net charge-offs | -362.5000% | 5,683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7463% | 4,591 |
| Assets per employee ($millions) | 4.9657% | 2,282 |
| Cash dividends to net income (ytd only)* | 30.0121% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 4,109 |
| Loan loss allowance to noncurrent loans | 205.8704% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.4927% | 4,412 |
| Noncurrent loans to loans | 0.5946% | 4,147 |
| Net loans and leases to total assets | 59.0193% | 3,929 |
| Net loans and leases to deposits | 69.2041% | 4,008 |
| Net loans and leases to core deposits | 75.6675% | 3,787 |
| Total domestic deposits to total assets | 85.2829% | 3,227 |
| Equity capital to assets | 9.5984% | 4,669 |
| Core capital (leverage) ratio | 9.4733% | 4,415 |
| Tier 1 risk-based capital ratio | 14.2157% | 4,073 |
| Total risk-based capital ratio | 15.3124% | 4,107 |
| Memoranda: | ||
| Average total assets | $277,533,750 | 2,310 |
| Average earning assets | $261,265,250 | 2,282 |
| Average equity | $25,190,250 | 2,653 |
| Average total loans | $165,588,750 | 2,389 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0716% | 3,459 |
| Cost of funding earning assets | 0.6247% | 1,689 |
| Net interest margin | 3.4468% | 3,993 |
| Noninterest income to average assets | 0.4601% | 3,789 |
| Noninterest expense to average assets | 2.3876% | 4,913 |
| Loan and lease loss provision to assets | 0.1882% | 1,292 |
| Net operating income to assets | 1.1112% | 1,896 |
| Return on assets (ROA) | 1.1112% | 1,966 |
| Pretax return on assets | 1.1307% | 2,971 |
| Return on Equity (ROE) | 12.4828% | 1,312 |
| Retained earnings to average equity (ytd only) | 8.4326% | 1,161 |
| Net charge-offs to loans | -0.0738% | 6,044 |
| Credit loss provision to net charge-offs | -427.8689% | 5,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7743% | 4,727 |
| Assets per employee ($millions) | 4.9772% | 2,244 |
| Cash dividends to net income (ytd only)* | 32.4465% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2282% | 4,284 |
| Loan loss allowance to noncurrent loans | 396.6667% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.2580% | 5,318 |
| Noncurrent loans to loans | 0.3096% | 5,088 |
| Net loans and leases to total assets | 58.3691% | 3,939 |
| Net loans and leases to deposits | 68.4887% | 3,996 |
| Net loans and leases to core deposits | 74.0555% | 3,832 |
| Total domestic deposits to total assets | 85.2244% | 3,398 |
| Equity capital to assets | 9.3362% | 4,939 |
| Core capital (leverage) ratio | 9.2599% | 4,653 |
| Tier 1 risk-based capital ratio | 14.0743% | 4,214 |
| Total risk-based capital ratio | 15.1850% | 4,238 |
| Memoranda: | ||
| Average total assets | $277,352,670 | 2,315 |
| Average earning assets | $261,227,000 | 2,278 |
| Average equity | $24,690,000 | 2,694 |
| Average total loans | $165,400,670 | 2,390 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0977% | 3,295 |
| Cost of funding earning assets | 0.6246% | 1,776 |
| Net interest margin | 3.4731% | 3,810 |
| Noninterest income to average assets | 0.4612% | 3,702 |
| Noninterest expense to average assets | 2.3610% | 5,032 |
| Loan and lease loss provision to assets | 0.3773% | 448 |
| Net operating income to assets | 0.9745% | 2,307 |
| Return on assets (ROA) | 0.9745% | 2,370 |
| Pretax return on assets | 0.9947% | 3,341 |
| Return on Equity (ROE) | 11.2221% | 1,620 |
| Retained earnings to average equity (ytd only) | 7.0596% | 2,017 |
| Net charge-offs to loans | -0.0314% | 5,583 |
| Credit loss provision to net charge-offs | -2,007.6923% | 5,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6259% | 5,045 |
| Assets per employee ($millions) | 4.9083% | 2,367 |
| Cash dividends to net income (ytd only)* | 37.0920% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1901% | 4,682 |
| Loan loss allowance to noncurrent loans | 262.9827% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.3529% | 5,103 |
| Noncurrent loans to loans | 0.4525% | 4,795 |
| Net loans and leases to total assets | 59.6562% | 3,611 |
| Net loans and leases to deposits | 69.1296% | 3,720 |
| Net loans and leases to core deposits | 74.9527% | 3,531 |
| Total domestic deposits to total assets | 86.2962% | 3,213 |
| Equity capital to assets | 8.9306% | 5,182 |
| Core capital (leverage) ratio | 9.0435% | 4,944 |
| Tier 1 risk-based capital ratio | 13.4443% | 4,732 |
| Total risk-based capital ratio | 14.5064% | 4,794 |
| Memoranda: | ||
| Average total assets | $276,667,500 | 2,325 |
| Average earning assets | $260,631,500 | 2,282 |
| Average equity | $24,024,000 | 2,753 |
| Average total loans | $165,745,500 | 2,388 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0598% | 3,881 |
| Cost of funding earning assets | 0.6911% | 1,880 |
| Net interest margin | 3.3687% | 4,406 |
| Noninterest income to average assets | 0.5201% | 3,633 |
| Noninterest expense to average assets | 2.4179% | 5,024 |
| Loan and lease loss provision to assets | 0.1465% | 2,466 |
| Net operating income to assets | 1.1070% | 1,913 |
| Return on assets (ROA) | 1.1070% | 1,983 |
| Pretax return on assets | 1.1246% | 2,866 |
| Return on Equity (ROE) | 12.7200% | 1,230 |
| Retained earnings to average equity (ytd only) | 7.1385% | 1,382 |
| Net charge-offs to loans | 0.1435% | 3,369 |
| Credit loss provision to net charge-offs | 175.8772% | 1,302 |
| Earnings coverage of net charge-offs (x) | 15.2632% | 1,885 |
| Efficiency ratio | 64.9010% | 4,750 |
| Assets per employee ($millions) | 4.8012% | 2,444 |
| Cash dividends to net income (ytd only)* | 43.8799% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0275% | 5,429 |
| Loan loss allowance to noncurrent loans | 272.5962% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.3027% | 5,358 |
| Noncurrent loans to loans | 0.3769% | 5,062 |
| Net loans and leases to total assets | 58.8361% | 3,901 |
| Net loans and leases to deposits | 67.8119% | 4,082 |
| Net loans and leases to core deposits | 73.8575% | 3,853 |
| Total domestic deposits to total assets | 86.7637% | 2,852 |
| Equity capital to assets | 8.4393% | 5,648 |
| Core capital (leverage) ratio | 8.8753% | 5,172 |
| Tier 1 risk-based capital ratio | 13.2088% | 4,845 |
| Total risk-based capital ratio | 14.1246% | 5,011 |
| Memoranda: | ||
| Average total assets | $273,791,200 | 2,318 |
| Average earning assets | $257,547,400 | 2,265 |
| Average equity | $23,828,600 | 2,743 |
| Average total loans | $158,909,200 | 2,441 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0622% | 3,886 |
| Cost of funding earning assets | 0.7054% | 1,914 |
| Net interest margin | 3.3568% | 4,441 |
| Noninterest income to average assets | 0.5536% | 3,432 |
| Noninterest expense to average assets | 2.3690% | 5,122 |
| Loan and lease loss provision to assets | 0.0748% | 3,559 |
| Net operating income to assets | 1.2457% | 1,496 |
| Return on assets (ROA) | 1.2457% | 1,567 |
| Pretax return on assets | 1.2657% | 2,462 |
| Return on Equity (ROE) | 14.2026% | 947 |
| Retained earnings to average equity (ytd only) | 9.5744% | 887 |
| Net charge-offs to loans | -0.0789% | 6,440 |
| Credit loss provision to net charge-offs | -164.5161% | 5,865 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2169% | 4,944 |
| Assets per employee ($millions) | 4.7717% | 2,475 |
| Cash dividends to net income (ytd only)* | 32.5873% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1146% | 5,276 |
| Loan loss allowance to noncurrent loans | 272.9231% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.3699% | 5,296 |
| Noncurrent loans to loans | 0.4084% | 5,172 |
| Net loans and leases to total assets | 57.8655% | 4,031 |
| Net loans and leases to deposits | 66.3801% | 4,259 |
| Net loans and leases to core deposits | 71.8589% | 4,114 |
| Total domestic deposits to total assets | 87.1729% | 2,586 |
| Equity capital to assets | 8.5879% | 5,637 |
| Core capital (leverage) ratio | 9.0301% | 5,082 |
| Tier 1 risk-based capital ratio | 13.7423% | 4,606 |
| Total risk-based capital ratio | 14.7366% | 4,718 |
| Memoranda: | ||
| Average total assets | $272,621,500 | 2,337 |
| Average earning assets | $256,308,000 | 2,282 |
| Average equity | $23,910,500 | 2,766 |
| Average total loans | $157,251,000 | 2,468 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0383% | 3,969 |
| Cost of funding earning assets | 0.7310% | 1,834 |
| Net interest margin | 3.3073% | 4,549 |
| Noninterest income to average assets | 0.5696% | 3,386 |
| Noninterest expense to average assets | 2.3450% | 5,228 |
| Loan and lease loss provision to assets | 0.1122% | 2,939 |
| Net operating income to assets | 1.2000% | 1,596 |
| Return on assets (ROA) | 1.2000% | 1,703 |
| Pretax return on assets | 1.2198% | 2,587 |
| Return on Equity (ROE) | 13.5881% | 1,106 |
| Retained earnings to average equity (ytd only) | 9.1888% | 1,062 |
| Net charge-offs to loans | -0.0383% | 6,165 |
| Credit loss provision to net charge-offs | -510.0000% | 5,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1180% | 5,002 |
| Assets per employee ($millions) | 4.7302% | 2,477 |
| Cash dividends to net income (ytd only)* | 32.3763% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1067% | 5,418 |
| Loan loss allowance to noncurrent loans | 390.6393% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.3212% | 5,515 |
| Noncurrent loans to loans | 0.2833% | 5,593 |
| Net loans and leases to total assets | 56.7070% | 4,176 |
| Net loans and leases to deposits | 65.3797% | 4,335 |
| Net loans and leases to core deposits | 70.2875% | 4,240 |
| Total domestic deposits to total assets | 86.7348% | 2,981 |
| Equity capital to assets | 8.7218% | 5,520 |
| Core capital (leverage) ratio | 8.8158% | 5,269 |
| Tier 1 risk-based capital ratio | 13.6663% | 4,663 |
| Total risk-based capital ratio | 14.6444% | 4,793 |
| Memoranda: | ||
| Average total assets | $272,833,330 | 2,341 |
| Average earning assets | $256,344,670 | 2,293 |
| Average equity | $24,094,670 | 2,763 |
| Average total loans | $156,614,670 | 2,482 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0780% | 3,813 |
| Cost of funding earning assets | 0.7702% | 1,705 |
| Net interest margin | 3.3077% | 4,488 |
| Noninterest income to average assets | 0.6457% | 2,901 |
| Noninterest expense to average assets | 2.2650% | 5,519 |
| Loan and lease loss provision to assets | 0.1108% | 2,849 |
| Net operating income to assets | 1.3744% | 1,091 |
| Return on assets (ROA) | 1.3744% | 1,180 |
| Pretax return on assets | 1.3744% | 1,946 |
| Return on Equity (ROE) | 15.4692% | 684 |
| Retained earnings to average equity (ytd only) | 10.8760% | 903 |
| Net charge-offs to loans | -0.0584% | 6,200 |
| Credit loss provision to net charge-offs | -330.4348% | 5,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7357% | 5,625 |
| Assets per employee ($millions) | 4.7582% | 2,552 |
| Cash dividends to net income (ytd only)* | 29.6925% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0509% | 5,791 |
| Loan loss allowance to noncurrent loans | 109.4149% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 0.7617% | 4,473 |
| Noncurrent loans to loans | 0.9604% | 4,215 |
| Net loans and leases to total assets | 56.4850% | 4,013 |
| Net loans and leases to deposits | 65.3505% | 4,143 |
| Net loans and leases to core deposits | 71.3156% | 3,910 |
| Total domestic deposits to total assets | 86.4338% | 3,284 |
| Equity capital to assets | 9.0676% | 5,410 |
| Core capital (leverage) ratio | 8.6221% | 5,430 |
| Tier 1 risk-based capital ratio | 13.4081% | 4,930 |
| Total risk-based capital ratio | 14.3386% | 5,105 |
| Memoranda: | ||
| Average total assets | $274,438,500 | 2,352 |
| Average earning assets | $257,580,000 | 2,309 |
| Average equity | $24,384,000 | 2,766 |
| Average total loans | $157,619,000 | 2,486 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4590% | 3,574 |
| Cost of funding earning assets | 0.9719% | 1,516 |
| Net interest margin | 3.4871% | 4,544 |
| Noninterest income to average assets | 0.6726% | 2,869 |
| Noninterest expense to average assets | 2.4128% | 5,371 |
| Loan and lease loss provision to assets | 0.5666% | 1,000 |
| Net operating income to assets | 0.9307% | 2,642 |
| Return on assets (ROA) | 0.9337% | 2,876 |
| Pretax return on assets | 0.9426% | 3,772 |
| Return on Equity (ROE) | 10.8957% | 1,836 |
| Retained earnings to average equity (ytd only) | 6.9537% | 1,593 |
| Net charge-offs to loans | 1.2740% | 765 |
| Credit loss provision to net charge-offs | 74.9387% | 4,010 |
| Earnings coverage of net charge-offs (x) | 1.9922% | 4,421 |
| Efficiency ratio | 60.9518% | 5,393 |
| Assets per employee ($millions) | 4.7872% | 2,516 |
| Cash dividends to net income (ytd only)* | 36.1795% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9525% | 6,123 |
| Loan loss allowance to noncurrent loans | 131.9516% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 0.9922% | 4,049 |
| Noncurrent loans to loans | 0.7219% | 4,735 |
| Net loans and leases to total assets | 57.2233% | 4,095 |
| Net loans and leases to deposits | 65.6330% | 4,340 |
| Net loans and leases to core deposits | 71.8865% | 4,055 |
| Total domestic deposits to total assets | 87.1868% | 2,716 |
| Equity capital to assets | 8.7068% | 5,847 |
| Core capital (leverage) ratio | 8.3315% | 5,851 |
| Tier 1 risk-based capital ratio | 12.7441% | 5,297 |
| Total risk-based capital ratio | 13.5998% | 5,519 |
| Memoranda: | ||
| Average total assets | $269,687,000 | 2,346 |
| Average earning assets | $251,064,800 | 2,311 |
| Average equity | $23,110,000 | 2,839 |
| Average total loans | $160,043,200 | 2,429 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5323% | 3,510 |
| Cost of funding earning assets | 1.0008% | 1,554 |
| Net interest margin | 3.5315% | 4,520 |
| Noninterest income to average assets | 0.6694% | 2,876 |
| Noninterest expense to average assets | 2.3339% | 5,589 |
| Loan and lease loss provision to assets | 0.6749% | 767 |
| Net operating income to assets | 0.9349% | 2,817 |
| Return on assets (ROA) | 0.9389% | 3,025 |
| Pretax return on assets | 0.9493% | 3,920 |
| Return on Equity (ROE) | 11.0020% | 1,961 |
| Retained earnings to average equity (ytd only) | 7.0331% | 2,109 |
| Net charge-offs to loans | 1.3020% | 724 |
| Credit loss provision to net charge-offs | 86.7478% | 3,403 |
| Earnings coverage of net charge-offs (x) | 2.0826% | 4,228 |
| Efficiency ratio | 58.4079% | 5,733 |
| Assets per employee ($millions) | 4.8050% | 2,434 |
| Cash dividends to net income (ytd only)* | 36.0741% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1718% | 5,421 |
| Loan loss allowance to noncurrent loans | 119.2708% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 1.8376% | 2,875 |
| Noncurrent loans to loans | 0.9824% | 4,477 |
| Net loans and leases to total assets | 56.4151% | 4,384 |
| Net loans and leases to deposits | 64.4759% | 4,661 |
| Net loans and leases to core deposits | 70.8014% | 4,397 |
| Total domestic deposits to total assets | 87.4980% | 2,353 |
| Equity capital to assets | 8.7493% | 6,069 |
| Core capital (leverage) ratio | 8.2460% | 6,091 |
| Tier 1 risk-based capital ratio | 12.7465% | 5,445 |
| Total risk-based capital ratio | 13.7913% | 5,573 |
| Memoranda: | ||
| Average total assets | $267,694,250 | 2,389 |
| Average earning assets | $248,992,750 | 2,358 |
| Average equity | $22,843,750 | 2,896 |
| Average total loans | $159,950,750 | 2,456 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6033% | 3,342 |
| Cost of funding earning assets | 1.0240% | 1,617 |
| Net interest margin | 3.5792% | 4,350 |
| Noninterest income to average assets | 0.5436% | 3,627 |
| Noninterest expense to average assets | 2.3544% | 5,606 |
| Loan and lease loss provision to assets | 1.0104% | 435 |
| Net operating income to assets | 0.5052% | 4,797 |
| Return on assets (ROA) | 0.5112% | 5,034 |
| Pretax return on assets | 0.5112% | 5,408 |
| Return on Equity (ROE) | 6.0434% | 4,306 |
| Retained earnings to average equity (ytd only) | 2.0382% | 5,185 |
| Net charge-offs to loans | 1.3379% | 786 |
| Credit loss provision to net charge-offs | 124.4898% | 2,208 |
| Earnings coverage of net charge-offs (x) | 1.8673% | 4,041 |
| Efficiency ratio | 60.1946% | 5,541 |
| Assets per employee ($millions) | 4.6760% | 2,601 |
| Cash dividends to net income (ytd only)* | 66.2739% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4561% | 4,223 |
| Loan loss allowance to noncurrent loans | 88.3391% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 2.3243% | 2,404 |
| Noncurrent loans to loans | 1.6484% | 3,432 |
| Net loans and leases to total assets | 58.4743% | 4,085 |
| Net loans and leases to deposits | 66.7220% | 4,410 |
| Net loans and leases to core deposits | 72.3939% | 4,254 |
| Total domestic deposits to total assets | 87.6387% | 2,371 |
| Equity capital to assets | 8.4811% | 6,228 |
| Core capital (leverage) ratio | 8.1337% | 6,118 |
| Tier 1 risk-based capital ratio | 11.9667% | 5,956 |
| Total risk-based capital ratio | 13.2171% | 5,926 |
| Memoranda: | ||
| Average total assets | $265,631,000 | 2,413 |
| Average earning assets | $246,868,330 | 2,383 |
| Average equity | $22,470,670 | 2,927 |
| Average total loans | $161,153,000 | 2,450 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6383% | 3,320 |
| Cost of funding earning assets | 1.0565% | 1,639 |
| Net interest margin | 3.5818% | 4,345 |
| Noninterest income to average assets | 0.5355% | 3,659 |
| Noninterest expense to average assets | 2.3592% | 5,598 |
| Loan and lease loss provision to assets | 0.4933% | 1,233 |
| Net operating income to assets | 1.0121% | 2,431 |
| Return on assets (ROA) | 1.0242% | 2,573 |
| Pretax return on assets | 1.0242% | 3,591 |
| Return on Equity (ROE) | 12.1231% | 1,648 |
| Retained earnings to average equity (ytd only) | 8.5522% | 1,758 |
| Net charge-offs to loans | 0.0590% | 3,911 |
| Credit loss provision to net charge-offs | 1,362.5000% | 253 |
| Earnings coverage of net charge-offs (x) | 41.5833% | 725 |
| Efficiency ratio | 60.4215% | 5,556 |
| Assets per employee ($millions) | 4.7059% | 2,652 |
| Cash dividends to net income (ytd only)* | 29.4551% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4489% | 4,380 |
| Loan loss allowance to noncurrent loans | 40.4980% | 5,586 |
| Noncurrent assets plus other real estate owned to assets | 2.5382% | 2,328 |
| Noncurrent loans to loans | 3.5778% | 1,739 |
| Net loans and leases to total assets | 60.4456% | 3,571 |
| Net loans and leases to deposits | 69.3907% | 3,819 |
| Net loans and leases to core deposits | 75.6587% | 3,659 |
| Total domestic deposits to total assets | 87.1090% | 2,896 |
| Equity capital to assets | 8.5868% | 6,004 |
| Core capital (leverage) ratio | 8.1457% | 6,099 |
| Tier 1 risk-based capital ratio | 11.6913% | 6,164 |
| Total risk-based capital ratio | 12.9413% | 6,141 |
| Memoranda: | ||
| Average total assets | $265,179,500 | 2,429 |
| Average earning assets | $246,467,000 | 2,397 |
| Average equity | $22,403,500 | 2,929 |
| Average total loans | $162,651,000 | 2,442 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8409% | 3,621 |
| Cost of funding earning assets | 1.2307% | 1,835 |
| Net interest margin | 3.6102% | 4,692 |
| Noninterest income to average assets | 0.4836% | 3,970 |
| Noninterest expense to average assets | 2.2935% | 6,052 |
| Loan and lease loss provision to assets | 1.2636% | 666 |
| Net operating income to assets | 0.2980% | 5,263 |
| Return on assets (ROA) | 0.4006% | 5,034 |
| Pretax return on assets | 0.3979% | 5,301 |
| Return on Equity (ROE) | 4.6792% | 4,538 |
| Retained earnings to average equity (ytd only) | 0.2369% | 5,719 |
| Net charge-offs to loans | 1.8507% | 786 |
| Credit loss provision to net charge-offs | 104.8239% | 3,268 |
| Earnings coverage of net charge-offs (x) | 1.2932% | 4,808 |
| Efficiency ratio | 58.8878% | 5,919 |
| Assets per employee ($millions) | 4.6812% | 2,632 |
| Cash dividends to net income (ytd only)* | 94.9379% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 5,197 |
| Loan loss allowance to noncurrent loans | 59.4287% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 1.6160% | 3,533 |
| Noncurrent loans to loans | 2.0963% | 3,071 |
| Net loans and leases to total assets | 60.5739% | 3,878 |
| Net loans and leases to deposits | 68.7324% | 4,322 |
| Net loans and leases to core deposits | 75.6270% | 4,032 |
| Total domestic deposits to total assets | 88.1301% | 2,073 |
| Equity capital to assets | 8.3118% | 6,339 |
| Core capital (leverage) ratio | 7.9158% | 6,345 |
| Tier 1 risk-based capital ratio | 11.3281% | 6,279 |
| Total risk-based capital ratio | 12.4213% | 6,347 |
| Memoranda: | ||
| Average total assets | $261,385,800 | 2,418 |
| Average earning assets | $243,922,000 | 2,359 |
| Average equity | $22,375,800 | 2,850 |
| Average total loans | $170,256,800 | 2,374 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9161% | 3,484 |
| Cost of funding earning assets | 1.2681% | 1,880 |
| Net interest margin | 3.6480% | 4,575 |
| Noninterest income to average assets | 0.4451% | 4,330 |
| Noninterest expense to average assets | 2.2705% | 6,119 |
| Loan and lease loss provision to assets | 1.1737% | 676 |
| Net operating income to assets | 0.4032% | 4,984 |
| Return on assets (ROA) | 0.5379% | 4,563 |
| Pretax return on assets | 0.5486% | 4,978 |
| Return on Equity (ROE) | 6.2369% | 3,907 |
| Retained earnings to average equity (ytd only) | 1.2426% | 5,516 |
| Net charge-offs to loans | 1.0269% | 1,560 |
| Credit loss provision to net charge-offs | 172.8852% | 1,733 |
| Earnings coverage of net charge-offs (x) | 2.3346% | 3,957 |
| Efficiency ratio | 58.2391% | 5,972 |
| Assets per employee ($millions) | 4.5764% | 2,797 |
| Cash dividends to net income (ytd only)* | 80.0762% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6835% | 3,325 |
| Loan loss allowance to noncurrent loans | 74.7184% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 1.7899% | 3,412 |
| Noncurrent loans to loans | 2.2531% | 3,051 |
| Net loans and leases to total assets | 63.8508% | 3,339 |
| Net loans and leases to deposits | 72.6981% | 3,849 |
| Net loans and leases to core deposits | 79.6490% | 3,691 |
| Total domestic deposits to total assets | 87.8300% | 2,149 |
| Equity capital to assets | 8.5956% | 6,207 |
| Core capital (leverage) ratio | 8.0645% | 6,326 |
| Tier 1 risk-based capital ratio | 11.2027% | 6,428 |
| Total risk-based capital ratio | 12.4559% | 6,406 |
| Memoranda: | ||
| Average total assets | $260,025,750 | 2,433 |
| Average earning assets | $243,085,250 | 2,374 |
| Average equity | $22,425,250 | 2,839 |
| Average total loans | $171,904,500 | 2,366 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0220% | 3,056 |
| Cost of funding earning assets | 1.2934% | 1,984 |
| Net interest margin | 3.7286% | 4,126 |
| Noninterest income to average assets | 0.4805% | 4,025 |
| Noninterest expense to average assets | 2.4986% | 5,542 |
| Loan and lease loss provision to assets | 0.2010% | 3,915 |
| Net operating income to assets | 1.2681% | 1,397 |
| Return on assets (ROA) | 1.2681% | 1,463 |
| Pretax return on assets | 1.2681% | 2,248 |
| Return on Equity (ROE) | 14.6881% | 859 |
| Retained earnings to average equity (ytd only) | 9.4264% | 982 |
| Net charge-offs to loans | 0.0151% | 5,635 |
| Credit loss provision to net charge-offs | 2,007.6923% | 164 |
| Earnings coverage of net charge-offs (x) | 146.7692% | 244 |
| Efficiency ratio | 62.3326% | 5,537 |
| Assets per employee ($millions) | 4.5582% | 2,746 |
| Cash dividends to net income (ytd only)* | 35.8227% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2438% | 5,347 |
| Loan loss allowance to noncurrent loans | 160.1650% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.8029% | 5,281 |
| Noncurrent loans to loans | 0.7766% | 5,362 |
| Net loans and leases to total assets | 65.2435% | 3,199 |
| Net loans and leases to deposits | 74.6644% | 3,697 |
| Net loans and leases to core deposits | 81.1135% | 3,635 |
| Total domestic deposits to total assets | 87.3824% | 2,533 |
| Equity capital to assets | 8.9116% | 5,696 |
| Core capital (leverage) ratio | 8.4438% | 5,639 |
| Tier 1 risk-based capital ratio | 11.5574% | 6,123 |
| Total risk-based capital ratio | 12.6742% | 6,218 |
| Memoranda: | ||
| Average total assets | $259,749,330 | 2,459 |
| Average earning assets | $242,932,330 | 2,392 |
| Average equity | $22,426,330 | 2,824 |
| Average total loans | $172,736,000 | 2,375 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0041% | 3,097 |
| Cost of funding earning assets | 1.3051% | 2,149 |
| Net interest margin | 3.6990% | 4,111 |
| Noninterest income to average assets | 0.5098% | 3,801 |
| Noninterest expense to average assets | 2.4550% | 5,724 |
| Loan and lease loss provision to assets | 0.1971% | 3,656 |
| Net operating income to assets | 1.3322% | 1,200 |
| Return on assets (ROA) | 1.3322% | 1,246 |
| Pretax return on assets | 1.3322% | 1,933 |
| Return on Equity (ROE) | 15.6827% | 715 |
| Retained earnings to average equity (ytd only) | 11.1501% | 873 |
| Net charge-offs to loans | 0.0185% | 4,820 |
| Credit loss provision to net charge-offs | 1,600.0000% | 242 |
| Earnings coverage of net charge-offs (x) | 124.1250% | 259 |
| Efficiency ratio | 60.9973% | 5,836 |
| Assets per employee ($millions) | 4.3933% | 3,052 |
| Cash dividends to net income (ytd only)* | 28.9017% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1586% | 5,804 |
| Loan loss allowance to noncurrent loans | 168.0905% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.7647% | 5,385 |
| Noncurrent loans to loans | 0.6893% | 5,645 |
| Net loans and leases to total assets | 66.0543% | 2,994 |
| Net loans and leases to deposits | 75.9631% | 3,425 |
| Net loans and leases to core deposits | 83.3353% | 3,256 |
| Total domestic deposits to total assets | 86.9557% | 2,964 |
| Equity capital to assets | 8.6774% | 5,683 |
| Core capital (leverage) ratio | 8.3221% | 5,768 |
| Tier 1 risk-based capital ratio | 11.2453% | 6,310 |
| Total risk-based capital ratio | 12.2887% | 6,466 |
| Memoranda: | ||
| Average total assets | $259,714,500 | 2,475 |
| Average earning assets | $243,960,000 | 2,409 |
| Average equity | $22,062,500 | 2,861 |
| Average total loans | $173,279,000 | 2,385 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2255% | 3,480 |
| Cost of funding earning assets | 1.4813% | 2,752 |
| Net interest margin | 3.7442% | 4,165 |
| Noninterest income to average assets | 0.6005% | 3,475 |
| Noninterest expense to average assets | 2.4417% | 5,967 |
| Loan and lease loss provision to assets | 0.2767% | 4,595 |
| Net operating income to assets | 1.3876% | 976 |
| Return on assets (ROA) | 1.3530% | 1,118 |
| Pretax return on assets | 1.3588% | 1,775 |
| Return on Equity (ROE) | 16.4656% | 533 |
| Retained earnings to average equity (ytd only) | 9.3662% | 629 |
| Net charge-offs to loans | 0.2744% | 4,650 |
| Credit loss provision to net charge-offs | 151.0638% | 2,386 |
| Earnings coverage of net charge-offs (x) | 9.1191% | 1,870 |
| Efficiency ratio | 58.7661% | 6,238 |
| Assets per employee ($millions) | 4.4106% | 3,005 |
| Cash dividends to net income (ytd only)* | 43.1164% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0886% | 5,995 |
| Loan loss allowance to noncurrent loans | 129.9587% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.8373% | 5,325 |
| Noncurrent loans to loans | 0.8377% | 5,379 |
| Net loans and leases to total assets | 65.8848% | 3,490 |
| Net loans and leases to deposits | 75.3001% | 3,957 |
| Net loans and leases to core deposits | 82.4679% | 3,825 |
| Total domestic deposits to total assets | 87.4963% | 2,548 |
| Equity capital to assets | 8.3131% | 6,128 |
| Core capital (leverage) ratio | 7.8973% | 6,320 |
| Tier 1 risk-based capital ratio | 10.9604% | 6,355 |
| Total risk-based capital ratio | 11.9450% | 6,541 |
| Memoranda: | ||
| Average total assets | $256,622,400 | 2,485 |
| Average earning assets | $240,665,400 | 2,421 |
| Average equity | $21,086,400 | 2,995 |
| Average total loans | $171,284,400 | 2,452 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2231% | 3,719 |
| Cost of funding earning assets | 1.5054% | 2,943 |
| Net interest margin | 3.7177% | 4,316 |
| Noninterest income to average assets | 0.5834% | 3,555 |
| Noninterest expense to average assets | 2.3462% | 6,183 |
| Loan and lease loss provision to assets | 0.2414% | 4,670 |
| Net operating income to assets | 1.4797% | 957 |
| Return on assets (ROA) | 1.4448% | 1,102 |
| Pretax return on assets | 1.4489% | 1,750 |
| Return on Equity (ROE) | 17.6354% | 513 |
| Retained earnings to average equity (ytd only) | 12.5058% | 401 |
| Net charge-offs to loans | 0.2889% | 4,211 |
| Credit loss provision to net charge-offs | 125.1351% | 3,275 |
| Earnings coverage of net charge-offs (x) | 8.9433% | 2,088 |
| Efficiency ratio | 56.9983% | 6,412 |
| Assets per employee ($millions) | 4.6870% | 2,617 |
| Cash dividends to net income (ytd only)* | 29.0870% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9930% | 6,423 |
| Loan loss allowance to noncurrent loans | 122.2769% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.8591% | 5,378 |
| Noncurrent loans to loans | 0.8121% | 5,593 |
| Net loans and leases to total assets | 66.0962% | 3,669 |
| Net loans and leases to deposits | 77.3126% | 3,954 |
| Net loans and leases to core deposits | 84.6838% | 3,850 |
| Total domestic deposits to total assets | 85.4922% | 3,348 |
| Equity capital to assets | 8.4028% | 6,390 |
| Core capital (leverage) ratio | 8.0350% | 6,294 |
| Tier 1 risk-based capital ratio | 10.7699% | 6,571 |
| Total risk-based capital ratio | 11.6631% | 6,825 |
| Memoranda: | ||
| Average total assets | $255,721,250 | 2,532 |
| Average earning assets | $239,930,000 | 2,462 |
| Average equity | $20,949,750 | 3,054 |
| Average total loans | $170,771,250 | 2,499 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2409% | 3,755 |
| Cost of funding earning assets | 1.5230% | 3,112 |
| Net interest margin | 3.7179% | 4,280 |
| Noninterest income to average assets | 0.5334% | 3,846 |
| Noninterest expense to average assets | 2.3261% | 6,284 |
| Loan and lease loss provision to assets | 0.2517% | 4,406 |
| Net operating income to assets | 1.4440% | 1,006 |
| Return on assets (ROA) | 1.4440% | 1,073 |
| Pretax return on assets | 1.4440% | 1,713 |
| Return on Equity (ROE) | 17.7831% | 484 |
| Retained earnings to average equity (ytd only) | 12.9341% | 389 |
| Net charge-offs to loans | 0.0697% | 5,443 |
| Credit loss provision to net charge-offs | 540.6780% | 688 |
| Earnings coverage of net charge-offs (x) | 36.4237% | 791 |
| Efficiency ratio | 57.1905% | 6,486 |
| Assets per employee ($millions) | 4.7300% | 2,536 |
| Cash dividends to net income (ytd only)* | 27.2678% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1037% | 5,922 |
| Loan loss allowance to noncurrent loans | 226.2159% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.4620% | 6,295 |
| Noncurrent loans to loans | 0.4879% | 6,270 |
| Net loans and leases to total assets | 66.8982% | 3,637 |
| Net loans and leases to deposits | 79.3425% | 3,725 |
| Net loans and leases to core deposits | 86.1033% | 3,811 |
| Total domestic deposits to total assets | 84.3157% | 3,948 |
| Equity capital to assets | 8.3983% | 6,306 |
| Core capital (leverage) ratio | 8.0220% | 6,248 |
| Tier 1 risk-based capital ratio | 10.8322% | 6,419 |
| Total risk-based capital ratio | 11.8483% | 6,607 |
| Memoranda: | ||
| Average total assets | $253,471,000 | 2,568 |
| Average earning assets | $237,823,000 | 2,506 |
| Average equity | $20,581,330 | 3,098 |
| Average total loans | $169,287,000 | 2,557 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1995% | 4,018 |
| Cost of funding earning assets | 1.5813% | 3,071 |
| Net interest margin | 3.6182% | 4,636 |
| Noninterest income to average assets | 0.4895% | 4,129 |
| Noninterest expense to average assets | 2.3699% | 6,190 |
| Loan and lease loss provision to assets | 0.1426% | 5,123 |
| Net operating income to assets | 1.3735% | 1,137 |
| Return on assets (ROA) | 1.3909% | 1,170 |
| Pretax return on assets | 1.3909% | 1,801 |
| Return on Equity (ROE) | 17.4323% | 566 |
| Retained earnings to average equity (ytd only) | 17.4323% | 268 |
| Net charge-offs to loans | 0.2101% | 3,657 |
| Credit loss provision to net charge-offs | 102.2727% | 3,329 |
| Earnings coverage of net charge-offs (x) | 10.8750% | 1,705 |
| Efficiency ratio | 60.3343% | 6,108 |
| Assets per employee ($millions) | 4.6472% | 2,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9689% | 6,608 |
| Loan loss allowance to noncurrent loans | 168.0938% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.5690% | 6,080 |
| Noncurrent loans to loans | 0.5764% | 6,153 |
| Net loans and leases to total assets | 67.1617% | 3,588 |
| Net loans and leases to deposits | 79.5812% | 3,729 |
| Net loans and leases to core deposits | 86.4428% | 3,830 |
| Total domestic deposits to total assets | 84.3940% | 3,955 |
| Equity capital to assets | 8.3232% | 6,272 |
| Core capital (leverage) ratio | 7.8644% | 6,422 |
| Tier 1 risk-based capital ratio | 10.6079% | 6,533 |
| Total risk-based capital ratio | 11.4890% | 6,849 |
| Memoranda: | ||
| Average total assets | $252,496,000 | 2,628 |
| Average earning assets | $237,022,000 | 2,564 |
| Average equity | $20,146,500 | 3,186 |
| Average total loans | $167,541,000 | 2,650 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0950% | 6,104 |
| Cost of funding earning assets | 2.0425% | 2,758 |
| Net interest margin | 3.0524% | 6,512 |
| Noninterest income to average assets | 0.5832% | 3,761 |
| Noninterest expense to average assets | 2.4048% | 6,451 |
| Loan and lease loss provision to assets | 0.2543% | 5,362 |
| Net operating income to assets | 0.8090% | 2,502 |
| Return on assets (ROA) | 0.8090% | 2,586 |
| Pretax return on assets | 0.8098% | 3,210 |
| Return on Equity (ROE) | 10.2586% | 1,615 |
| Retained earnings to average equity (ytd only) | 3.8260% | 2,523 |
| Net charge-offs to loans | 0.4326% | 4,069 |
| Credit loss provision to net charge-offs | 92.6316% | 5,909 |
| Earnings coverage of net charge-offs (x) | 3.8767% | 3,157 |
| Efficiency ratio | 68.5388% | 4,914 |
| Assets per employee ($millions) | 4.7045% | 2,606 |
| Cash dividends to net income (ytd only)* | 62.7041% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9988% | 6,395 |
| Loan loss allowance to noncurrent loans | 209.2757% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.4857% | 6,234 |
| Noncurrent loans to loans | 0.4773% | 6,300 |
| Net loans and leases to total assets | 64.2586% | 4,541 |
| Net loans and leases to deposits | 74.2499% | 4,998 |
| Net loans and leases to core deposits | 91.4748% | 4,952 |
| Total domestic deposits to total assets | 86.5437% | 2,735 |
| Equity capital to assets | 7.6388% | 6,910 |
| Core capital (leverage) ratio | 7.4856% | 6,800 |
| Tier 1 risk-based capital ratio | 10.4609% | 6,441 |
| Total risk-based capital ratio | 11.3697% | 6,739 |
| Memoranda: | ||
| Average total assets | $242,268,600 | 2,693 |
| Average earning assets | $229,029,200 | 2,608 |
| Average equity | $19,106,000 | 3,327 |
| Average total loans | $153,711,000 | 2,866 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0714% | 6,373 |
| Cost of funding earning assets | 2.1285% | 2,751 |
| Net interest margin | 2.9429% | 6,744 |
| Noninterest income to average assets | 0.6384% | 3,436 |
| Noninterest expense to average assets | 2.5036% | 6,057 |
| Loan and lease loss provision to assets | 0.1176% | 6,190 |
| Net operating income to assets | 0.8056% | 2,787 |
| Return on assets (ROA) | 0.8056% | 2,853 |
| Pretax return on assets | 0.8056% | 3,518 |
| Return on Equity (ROE) | 10.1306% | 1,869 |
| Retained earnings to average equity (ytd only) | 2.9705% | 3,668 |
| Net charge-offs to loans | 0.2120% | 4,707 |
| Credit loss provision to net charge-offs | 87.9167% | 5,544 |
| Earnings coverage of net charge-offs (x) | 6.9042% | 2,519 |
| Efficiency ratio | 72.2647% | 4,199 |
| Assets per employee ($millions) | 4.7858% | 2,418 |
| Cash dividends to net income (ytd only)* | 70.6777% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0712% | 5,893 |
| Loan loss allowance to noncurrent loans | 136.6393% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.6473% | 5,838 |
| Noncurrent loans to loans | 0.7839% | 5,732 |
| Net loans and leases to total assets | 60.6966% | 5,472 |
| Net loans and leases to deposits | 69.4953% | 5,979 |
| Net loans and leases to core deposits | 86.5549% | 5,815 |
| Total domestic deposits to total assets | 87.3392% | 1,989 |
| Equity capital to assets | 7.7453% | 7,105 |
| Core capital (leverage) ratio | 7.5587% | 6,909 |
| Tier 1 risk-based capital ratio | 10.7301% | 6,222 |
| Total risk-based capital ratio | 11.6904% | 6,483 |
| Memoranda: | ||
| Average total assets | $239,324,750 | 2,742 |
| Average earning assets | $226,756,250 | 2,650 |
| Average equity | $19,031,000 | 3,365 |
| Average total loans | $150,915,750 | 2,935 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1325% | 6,307 |
| Cost of funding earning assets | 2.2186% | 2,708 |
| Net interest margin | 2.9139% | 6,768 |
| Noninterest income to average assets | 0.7529% | 2,686 |
| Noninterest expense to average assets | 2.5879% | 5,786 |
| Loan and lease loss provision to assets | 0.1117% | 6,028 |
| Net operating income to assets | 0.8194% | 2,776 |
| Return on assets (ROA) | 0.8194% | 2,873 |
| Pretax return on assets | 0.8194% | 3,608 |
| Return on Equity (ROE) | 10.2093% | 1,942 |
| Retained earnings to average equity (ytd only) | 3.1552% | 3,563 |
| Net charge-offs to loans | 0.2598% | 3,890 |
| Credit loss provision to net charge-offs | 67.5258% | 5,465 |
| Earnings coverage of net charge-offs (x) | 5.6289% | 2,796 |
| Efficiency ratio | 72.7405% | 4,263 |
| Assets per employee ($millions) | 4.5088% | 2,760 |
| Cash dividends to net income (ytd only)* | 69.0947% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0587% | 5,844 |
| Loan loss allowance to noncurrent loans | 86.0833% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 1.0625% | 4,845 |
| Noncurrent loans to loans | 1.2299% | 4,752 |
| Net loans and leases to total assets | 63.8636% | 5,011 |
| Net loans and leases to deposits | 73.9663% | 5,457 |
| Net loans and leases to core deposits | 90.5504% | 5,490 |
| Total domestic deposits to total assets | 86.3415% | 2,604 |
| Equity capital to assets | 8.0552% | 6,682 |
| Core capital (leverage) ratio | 7.7169% | 6,728 |
| Tier 1 risk-based capital ratio | 10.8569% | 6,027 |
| Total risk-based capital ratio | 11.8155% | 6,266 |
| Memoranda: | ||
| Average total assets | $234,549,670 | 2,806 |
| Average earning assets | $222,660,000 | 2,714 |
| Average equity | $18,826,000 | 3,420 |
| Average total loans | $149,346,330 | 2,996 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1590% | 6,449 |
| Cost of funding earning assets | 2.2750% | 2,815 |
| Net interest margin | 2.8840% | 6,790 |
| Noninterest income to average assets | 0.7523% | 2,585 |
| Noninterest expense to average assets | 2.4860% | 5,890 |
| Loan and lease loss provision to assets | 0.1119% | 5,533 |
| Net operating income to assets | 0.9021% | 2,698 |
| Return on assets (ROA) | 0.9021% | 2,848 |
| Pretax return on assets | 0.9021% | 3,704 |
| Return on Equity (ROE) | 11.2600% | 1,894 |
| Retained earnings to average equity (ytd only) | 1.5902% | 4,962 |
| Net charge-offs to loans | 0.2723% | 3,032 |
| Credit loss provision to net charge-offs | 65.0000% | 4,437 |
| Earnings coverage of net charge-offs (x) | 5.8900% | 2,588 |
| Efficiency ratio | 70.2410% | 4,520 |
| Assets per employee ($millions) | 4.4786% | 2,760 |
| Cash dividends to net income (ytd only)* | 85.8779% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 5,328 |
| Loan loss allowance to noncurrent loans | 78.6086% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 1.0542% | 4,580 |
| Noncurrent loans to loans | 1.4237% | 4,167 |
| Net loans and leases to total assets | 63.0144% | 5,158 |
| Net loans and leases to deposits | 73.2576% | 5,579 |
| Net loans and leases to core deposits | 89.5506% | 5,599 |
| Total domestic deposits to total assets | 86.0176% | 2,709 |
| Equity capital to assets | 8.1633% | 6,582 |
| Core capital (leverage) ratio | 7.9194% | 6,587 |
| Tier 1 risk-based capital ratio | 10.9079% | 5,984 |
| Total risk-based capital ratio | 11.9002% | 6,150 |
| Memoranda: | ||
| Average total assets | $232,342,500 | 2,852 |
| Average earning assets | $221,361,000 | 2,744 |
| Average equity | $18,614,500 | 3,465 |
| Average total loans | $146,897,500 | 3,062 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6460% | 6,944 |
| Cost of funding earning assets | 2.7246% | 3,040 |
| Net interest margin | 2.9214% | 7,104 |
| Noninterest income to average assets | 0.4658% | 4,916 |
| Noninterest expense to average assets | 2.3649% | 6,522 |
| Loan and lease loss provision to assets | 0.0628% | 6,619 |
| Net operating income to assets | 0.8330% | 3,295 |
| Return on assets (ROA) | 0.8330% | 3,139 |
| Pretax return on assets | 0.8339% | 3,944 |
| Return on Equity (ROE) | 10.4020% | 2,124 |
| Retained earnings to average equity (ytd only) | 2.0714% | 3,946 |
| Net charge-offs to loans | -0.0278% | 7,961 |
| Credit loss provision to net charge-offs | -358.9744% | 7,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8351% | 3,968 |
| Assets per employee ($millions) | 4.6360% | 2,427 |
| Cash dividends to net income (ytd only)* | 80.0861% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1666% | 4,805 |
| Loan loss allowance to noncurrent loans | 75.1773% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 0.9733% | 4,399 |
| Noncurrent loans to loans | 1.5518% | 3,465 |
| Net loans and leases to total assets | 61.9875% | 5,624 |
| Net loans and leases to deposits | 71.7470% | 6,083 |
| Net loans and leases to core deposits | 85.7966% | 6,149 |
| Total domestic deposits to total assets | 86.3973% | 2,220 |
| Equity capital to assets | 7.8594% | 7,030 |
| Core capital (leverage) ratio | 7.3534% | 7,358 |
| Tier 1 risk-based capital ratio | 10.6513% | 6,046 |
| Total risk-based capital ratio | 11.7030% | 6,136 |
| Memoranda: | ||
| Average total assets | $223,055,400 | 2,839 |
| Average earning assets | $213,461,000 | 2,728 |
| Average equity | $17,862,000 | 3,575 |
| Average total loans | $140,077,200 | 3,097 |