Home > CCB Community Bank > Performance and Condition Ratios
CCB Community 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 | 5.7291% | 900 |
| Cost of funding earning assets | 1.3156% | 2,472 |
| Net interest margin | 4.4136% | 696 |
| Noninterest income to average assets | 0.5700% | 1,647 |
| Noninterest expense to average assets | 2.7256% | 1,675 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.8413% | 575 |
| Return on assets (ROA) | 1.8413% | 558 |
| Pretax return on assets | 1.9379% | 735 |
| Return on Equity (ROE) | 22.1800% | 450 |
| Retained earnings to average equity (ytd only) | 3.5206% | 3,114 |
| Net charge-offs to loans | 0.0648% | 1,201 |
| Credit loss provision to net charge-offs | 247.5248% | 1,074 |
| Earnings coverage of net charge-offs (x) | 42.2112% | 1,415 |
| Efficiency ratio | 56.9708% | 3,399 |
| Assets per employee ($millions) | 5.6235% | 3,142 |
| Cash dividends to net income (ytd only)* | 84.1259% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2855% | 1,845 |
| Loan loss allowance to noncurrent loans | 124,680.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 3,648 |
| Noncurrent loans to loans | 0.0010% | 3,797 |
| Net loans and leases to total assets | 74.6700% | 1,276 |
| Net loans and leases to deposits | 82.9773% | 1,867 |
| Net loans and leases to core deposits | 91.8305% | 1,915 |
| Total domestic deposits to total assets | 89.9900% | 759 |
| Equity capital to assets | 8.2960% | 3,203 |
| Core capital (leverage) ratio | 10.0304% | 2,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $621,295,600 | 1,431 |
| Average earning assets | $593,353,000 | 1,388 |
| Average equity | $51,582,400 | 1,569 |
| Average total loans | $467,288,400 | 1,304 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6286% | 875 |
| Cost of funding earning assets | 1.2064% | 2,413 |
| Net interest margin | 4.4222% | 683 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 2.7079% | 1,635 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 1.8307% | 626 |
| Return on assets (ROA) | 1.8307% | 619 |
| Pretax return on assets | 1.9281% | 834 |
| Return on Equity (ROE) | 22.0500% | 553 |
| Retained earnings to average equity (ytd only) | 5.4236% | 2,801 |
| Net charge-offs to loans | 0.0778% | 940 |
| Credit loss provision to net charge-offs | 277.7778% | 928 |
| Earnings coverage of net charge-offs (x) | 35.7889% | 1,506 |
| Efficiency ratio | 56.4357% | 3,363 |
| Assets per employee ($millions) | 5.6532% | 3,061 |
| Cash dividends to net income (ytd only)* | 75.3988% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3192% | 1,779 |
| Loan loss allowance to noncurrent loans | 15,667.5000% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 3,604 |
| Noncurrent loans to loans | 0.0084% | 3,747 |
| Net loans and leases to total assets | 74.7100% | 1,269 |
| Net loans and leases to deposits | 83.4759% | 1,781 |
| Net loans and leases to core deposits | 91.9825% | 1,796 |
| Total domestic deposits to total assets | 89.5000% | 1,072 |
| Equity capital to assets | 8.0819% | 3,003 |
| Core capital (leverage) ratio | 10.1812% | 2,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $616,350,250 | 1,444 |
| Average earning assets | $588,314,750 | 1,404 |
| Average equity | $51,182,000 | 1,564 |
| Average total loans | $462,878,000 | 1,310 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5046% | 824 |
| Cost of funding earning assets | 1.0885% | 2,321 |
| Net interest margin | 4.4161% | 690 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 2.6910% | 1,662 |
| Loan and lease loss provision to assets | 0.2000% | 537 |
| Net operating income to assets | 1.7975% | 663 |
| Return on assets (ROA) | 1.7975% | 662 |
| Pretax return on assets | 1.8954% | 875 |
| Return on Equity (ROE) | 21.4500% | 584 |
| Retained earnings to average equity (ytd only) | 5.1775% | 2,896 |
| Net charge-offs to loans | 0.0989% | 684 |
| Credit loss provision to net charge-offs | 264.3172% | 926 |
| Earnings coverage of net charge-offs (x) | 28.2203% | 1,581 |
| Efficiency ratio | 56.2701% | 3,388 |
| Assets per employee ($millions) | 5.5723% | 3,089 |
| Cash dividends to net income (ytd only)* | 75.8627% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3241% | 1,821 |
| Loan loss allowance to noncurrent loans | 2,655.1724% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0529% | 3,251 |
| Noncurrent loans to loans | 0.0499% | 3,354 |
| Net loans and leases to total assets | 74.2200% | 1,259 |
| Net loans and leases to deposits | 83.8194% | 1,683 |
| Net loans and leases to core deposits | 90.6355% | 1,754 |
| Total domestic deposits to total assets | 88.5400% | 1,406 |
| Equity capital to assets | 8.3555% | 2,987 |
| Core capital (leverage) ratio | 10.2168% | 2,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $612,632,667 | 1,446 |
| Average earning assets | $583,731,333 | 1,419 |
| Average equity | $51,338,000 | 1,567 |
| Average total loans | $458,818,667 | 1,305 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3381% | 790 |
| Cost of funding earning assets | 0.9536% | 2,207 |
| Net interest margin | 4.3845% | 706 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 2.6853% | 1,716 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | 1.7563% | 739 |
| Return on assets (ROA) | 1.7563% | 732 |
| Pretax return on assets | 1.8547% | 982 |
| Return on Equity (ROE) | 20.9300% | 665 |
| Retained earnings to average equity (ytd only) | 4.6593% | 3,100 |
| Net charge-offs to loans | 0.0773% | 685 |
| Credit loss provision to net charge-offs | 340.9091% | 649 |
| Earnings coverage of net charge-offs (x) | 35.5341% | 1,235 |
| Efficiency ratio | 56.6898% | 3,331 |
| Assets per employee ($millions) | 5.3665% | 3,349 |
| Cash dividends to net income (ytd only)* | 77.7363% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3085% | 1,991 |
| Loan loss allowance to noncurrent loans | 642.9796% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.1534% | 2,436 |
| Noncurrent loans to loans | 0.2035% | 2,457 |
| Net loans and leases to total assets | 73.3200% | 1,288 |
| Net loans and leases to deposits | 82.6537% | 1,602 |
| Net loans and leases to core deposits | 89.0501% | 1,675 |
| Total domestic deposits to total assets | 88.7000% | 1,658 |
| Equity capital to assets | 8.3366% | 3,015 |
| Core capital (leverage) ratio | 10.1660% | 2,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $609,685,500 | 1,475 |
| Average earning assets | $580,134,500 | 1,442 |
| Average equity | $51,166,500 | 1,584 |
| Average total loans | $455,619,500 | 1,328 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6210% | 592 |
| Cost of funding earning assets | 0.2688% | 3,166 |
| Net interest margin | 4.3522% | 378 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 2.5903% | 1,853 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 1.8541% | 387 |
| Return on assets (ROA) | 1.8541% | 371 |
| Pretax return on assets | 1.9266% | 545 |
| Return on Equity (ROE) | 21.1600% | 382 |
| Retained earnings to average equity (ytd only) | 4.4746% | 3,243 |
| Net charge-offs to loans | 0.2729% | 284 |
| Credit loss provision to net charge-offs | 100.0000% | 1,554 |
| Earnings coverage of net charge-offs (x) | 10.6717% | 2,185 |
| Efficiency ratio | 54.9243% | 3,694 |
| Assets per employee ($millions) | 5.2367% | 3,478 |
| Cash dividends to net income (ytd only)* | 78.8522% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2781% | 2,005 |
| Loan loss allowance to noncurrent loans | 808.2402% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.1212% | 2,680 |
| Noncurrent loans to loans | 0.1581% | 2,708 |
| Net loans and leases to total assets | 74.2200% | 1,195 |
| Net loans and leases to deposits | 81.5662% | 1,651 |
| Net loans and leases to core deposits | 84.0430% | 1,876 |
| Total domestic deposits to total assets | 91.0000% | 962 |
| Equity capital to assets | 8.4494% | 2,737 |
| Core capital (leverage) ratio | 10.2727% | 2,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $602,395,400 | 1,473 |
| Average earning assets | $571,454,400 | 1,447 |
| Average equity | $52,786,600 | 1,549 |
| Average total loans | $439,712,600 | 1,293 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4265% | 552 |
| Cost of funding earning assets | 0.1620% | 3,714 |
| Net interest margin | 4.2645% | 360 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 2.5750% | 1,777 |
| Loan and lease loss provision to assets | 0.2000% | 448 |
| Net operating income to assets | 1.8287% | 403 |
| Return on assets (ROA) | 1.8287% | 394 |
| Pretax return on assets | 1.9022% | 582 |
| Return on Equity (ROE) | 20.6800% | 385 |
| Retained earnings to average equity (ytd only) | 6.3133% | 2,630 |
| Net charge-offs to loans | 0.0153% | 1,560 |
| Credit loss provision to net charge-offs | 1,800.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 189.9000% | 641 |
| Efficiency ratio | 55.0639% | 3,718 |
| Assets per employee ($millions) | 5.2334% | 3,474 |
| Cash dividends to net income (ytd only)* | 69.4784% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4672% | 1,394 |
| Loan loss allowance to noncurrent loans | 189.3295% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.6774% | 765 |
| Noncurrent loans to loans | 0.7750% | 1,045 |
| Net loans and leases to total assets | 74.0500% | 1,089 |
| Net loans and leases to deposits | 81.0306% | 1,521 |
| Net loans and leases to core deposits | 83.8795% | 1,662 |
| Total domestic deposits to total assets | 91.3800% | 1,086 |
| Equity capital to assets | 8.2926% | 2,685 |
| Core capital (leverage) ratio | 10.0599% | 2,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $602,438,500 | 1,485 |
| Average earning assets | $571,994,000 | 1,450 |
| Average equity | $53,262,250 | 1,556 |
| Average total loans | $436,447,250 | 1,291 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2383% | 582 |
| Cost of funding earning assets | 0.1302% | 3,835 |
| Net interest margin | 4.1081% | 387 |
| Noninterest income to average assets | 0.6681% | 1,471 |
| Noninterest expense to average assets | 2.5372% | 1,819 |
| Loan and lease loss provision to assets | 0.1991% | 415 |
| Net operating income to assets | 1.7463% | 384 |
| Return on assets (ROA) | 1.7463% | 378 |
| Pretax return on assets | 1.8160% | 575 |
| Return on Equity (ROE) | 19.3526% | 358 |
| Retained earnings to average equity (ytd only) | 5.4615% | 2,532 |
| Net charge-offs to loans | 0.0181% | 1,375 |
| Credit loss provision to net charge-offs | 1,538.4615% | 291 |
| Earnings coverage of net charge-offs (x) | 155.6923% | 629 |
| Efficiency ratio | 55.7338% | 3,802 |
| Assets per employee ($millions) | 5.3954% | 3,336 |
| Cash dividends to net income (ytd only)* | 71.7788% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4440% | 1,580 |
| Loan loss allowance to noncurrent loans | 185.0189% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.6684% | 819 |
| Noncurrent loans to loans | 0.7805% | 1,097 |
| Net loans and leases to total assets | 72.3445% | 1,067 |
| Net loans and leases to deposits | 79.1600% | 1,454 |
| Net loans and leases to core deposits | 82.6908% | 1,545 |
| Total domestic deposits to total assets | 91.3902% | 1,070 |
| Equity capital to assets | 8.3445% | 2,875 |
| Core capital (leverage) ratio | 10.0501% | 2,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $602,638,667 | 1,485 |
| Average earning assets | $569,807,000 | 1,468 |
| Average equity | $54,380,333 | 1,568 |
| Average total loans | $431,169,333 | 1,300 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1549% | 570 |
| Cost of funding earning assets | 0.1476% | 3,530 |
| Net interest margin | 4.0073% | 415 |
| Noninterest income to average assets | 0.6531% | 1,479 |
| Noninterest expense to average assets | 2.4727% | 1,951 |
| Loan and lease loss provision to assets | 0.1985% | 367 |
| Net operating income to assets | 1.6853% | 424 |
| Return on assets (ROA) | 1.6853% | 427 |
| Pretax return on assets | 1.7548% | 615 |
| Return on Equity (ROE) | 18.0052% | 340 |
| Retained earnings to average equity (ytd only) | 4.6091% | 2,735 |
| Net charge-offs to loans | 0.0103% | 1,384 |
| Credit loss provision to net charge-offs | 2,727.2727% | 157 |
| Earnings coverage of net charge-offs (x) | 268.3636% | 348 |
| Efficiency ratio | 55.8678% | 3,890 |
| Assets per employee ($millions) | 5.4074% | 3,386 |
| Cash dividends to net income (ytd only)* | 74.4013% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4155% | 1,849 |
| Loan loss allowance to noncurrent loans | 348.7945% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.3837% | 1,579 |
| Noncurrent loans to loans | 0.4058% | 2,043 |
| Net loans and leases to total assets | 70.5025% | 971 |
| Net loans and leases to deposits | 77.7620% | 1,305 |
| Net loans and leases to core deposits | 81.1673% | 1,407 |
| Total domestic deposits to total assets | 90.6645% | 1,205 |
| Equity capital to assets | 9.1023% | 2,625 |
| Core capital (leverage) ratio | 9.9166% | 2,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $604,515,000 | 1,491 |
| Average earning assets | $569,160,000 | 1,481 |
| Average equity | $56,583,500 | 1,554 |
| Average total loans | $426,949,500 | 1,303 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6512% | 457 |
| Cost of funding earning assets | 0.2427% | 3,020 |
| Net interest margin | 4.4085% | 324 |
| Noninterest income to average assets | 0.5607% | 2,316 |
| Noninterest expense to average assets | 2.5296% | 2,092 |
| Loan and lease loss provision to assets | 0.0860% | 1,427 |
| Net operating income to assets | 1.9629% | 364 |
| Return on assets (ROA) | 1.9629% | 384 |
| Pretax return on assets | 2.0679% | 534 |
| Return on Equity (ROE) | 19.3510% | 349 |
| Retained earnings to average equity (ytd only) | 2.6280% | 3,790 |
| Net charge-offs to loans | 0.0228% | 1,795 |
| Credit loss provision to net charge-offs | 515.4639% | 785 |
| Earnings coverage of net charge-offs (x) | 129.0309% | 740 |
| Efficiency ratio | 54.0107% | 3,927 |
| Assets per employee ($millions) | 5.5346% | 3,229 |
| Cash dividends to net income (ytd only)* | 86.4194% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3628% | 2,082 |
| Loan loss allowance to noncurrent loans | 324.0202% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.3855% | 1,687 |
| Noncurrent loans to loans | 0.4206% | 2,092 |
| Net loans and leases to total assets | 68.8008% | 1,174 |
| Net loans and leases to deposits | 79.3174% | 1,271 |
| Net loans and leases to core deposits | 83.9499% | 1,334 |
| Total domestic deposits to total assets | 86.7411% | 2,602 |
| Equity capital to assets | 9.6144% | 3,035 |
| Core capital (leverage) ratio | 9.9004% | 2,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $581,079,600 | 1,491 |
| Average earning assets | $543,425,200 | 1,484 |
| Average equity | $58,942,600 | 1,531 |
| Average total loans | $425,525,400 | 1,311 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6901% | 495 |
| Cost of funding earning assets | 0.2613% | 3,002 |
| Net interest margin | 4.4289% | 357 |
| Noninterest income to average assets | 0.5773% | 2,313 |
| Noninterest expense to average assets | 2.5651% | 1,943 |
| Loan and lease loss provision to assets | 0.1162% | 1,035 |
| Net operating income to assets | 1.9365% | 522 |
| Return on assets (ROA) | 1.9365% | 544 |
| Pretax return on assets | 2.0294% | 759 |
| Return on Equity (ROE) | 18.8304% | 532 |
| Retained earnings to average equity (ytd only) | 6.6434% | 2,562 |
| Net charge-offs to loans | 0.0291% | 1,469 |
| Credit loss provision to net charge-offs | 537.6344% | 736 |
| Earnings coverage of net charge-offs (x) | 99.3441% | 876 |
| Efficiency ratio | 54.4540% | 3,734 |
| Assets per employee ($millions) | 5.4453% | 3,260 |
| Cash dividends to net income (ytd only)* | 64.7200% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3469% | 2,241 |
| Loan loss allowance to noncurrent loans | 321.7222% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.4212% | 1,779 |
| Noncurrent loans to loans | 0.4186% | 2,307 |
| Net loans and leases to total assets | 72.8010% | 795 |
| Net loans and leases to deposits | 85.2649% | 869 |
| Net loans and leases to core deposits | 90.8275% | 991 |
| Total domestic deposits to total assets | 85.3821% | 2,991 |
| Equity capital to assets | 10.4167% | 2,520 |
| Core capital (leverage) ratio | 10.4685% | 2,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $574,147,750 | 1,521 |
| Average earning assets | $535,835,750 | 1,515 |
| Average equity | $59,045,000 | 1,551 |
| Average total loans | $425,744,000 | 1,335 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5907% | 639 |
| Cost of funding earning assets | 0.2836% | 2,937 |
| Net interest margin | 4.3071% | 488 |
| Noninterest income to average assets | 0.5605% | 2,372 |
| Noninterest expense to average assets | 2.5566% | 1,977 |
| Loan and lease loss provision to assets | 0.1750% | 659 |
| Net operating income to assets | 1.7535% | 791 |
| Return on assets (ROA) | 1.7535% | 838 |
| Pretax return on assets | 1.8375% | 1,148 |
| Return on Equity (ROE) | 17.1260% | 760 |
| Retained earnings to average equity (ytd only) | 5.1046% | 3,145 |
| Net charge-offs to loans | 0.0297% | 1,367 |
| Credit loss provision to net charge-offs | 793.6508% | 542 |
| Earnings coverage of net charge-offs (x) | 91.2540% | 789 |
| Efficiency ratio | 55.9531% | 3,547 |
| Assets per employee ($millions) | 5.2380% | 3,423 |
| Cash dividends to net income (ytd only)* | 70.1937% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3602% | 2,154 |
| Loan loss allowance to noncurrent loans | 296.0834% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.4986% | 1,673 |
| Noncurrent loans to loans | 0.4594% | 2,297 |
| Net loans and leases to total assets | 73.2632% | 832 |
| Net loans and leases to deposits | 85.6583% | 938 |
| Net loans and leases to core deposits | 91.6465% | 1,032 |
| Total domestic deposits to total assets | 85.5296% | 2,903 |
| Equity capital to assets | 10.2623% | 2,611 |
| Core capital (leverage) ratio | 10.3802% | 2,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $571,316,000 | 1,524 |
| Average earning assets | $531,722,333 | 1,523 |
| Average equity | $58,496,000 | 1,561 |
| Average total loans | $424,338,333 | 1,344 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5780% | 693 |
| Cost of funding earning assets | 0.3286% | 2,719 |
| Net interest margin | 4.2494% | 558 |
| Noninterest income to average assets | 0.5850% | 2,271 |
| Noninterest expense to average assets | 2.5207% | 2,120 |
| Loan and lease loss provision to assets | 0.2109% | 565 |
| Net operating income to assets | 1.7156% | 911 |
| Return on assets (ROA) | 1.7156% | 960 |
| Pretax return on assets | 1.8000% | 1,288 |
| Return on Equity (ROE) | 16.7757% | 884 |
| Retained earnings to average equity (ytd only) | 4.7783% | 3,290 |
| Net charge-offs to loans | -0.0123% | 3,758 |
| Credit loss provision to net charge-offs | -2,307.6923% | 3,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6245% | 3,584 |
| Assets per employee ($millions) | 5.4007% | 3,223 |
| Cash dividends to net income (ytd only)* | 71.5164% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3443% | 2,230 |
| Loan loss allowance to noncurrent loans | 252.8185% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.6595% | 1,435 |
| Noncurrent loans to loans | 0.5317% | 2,260 |
| Net loans and leases to total assets | 72.3395% | 976 |
| Net loans and leases to deposits | 84.3403% | 1,111 |
| Net loans and leases to core deposits | 92.5882% | 1,074 |
| Total domestic deposits to total assets | 85.7709% | 2,824 |
| Equity capital to assets | 10.0486% | 2,664 |
| Core capital (leverage) ratio | 10.3830% | 2,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $568,886,500 | 1,516 |
| Average earning assets | $528,354,000 | 1,517 |
| Average equity | $58,179,500 | 1,557 |
| Average total loans | $422,535,000 | 1,351 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0100% | 479 |
| Cost of funding earning assets | 0.7260% | 1,584 |
| Net interest margin | 4.2841% | 525 |
| Noninterest income to average assets | 0.4602% | 2,817 |
| Noninterest expense to average assets | 2.5726% | 2,632 |
| Loan and lease loss provision to assets | 0.3762% | 867 |
| Net operating income to assets | 1.4600% | 901 |
| Return on assets (ROA) | 1.4652% | 965 |
| Pretax return on assets | 1.5450% | 1,209 |
| Return on Equity (ROE) | 13.8691% | 847 |
| Retained earnings to average equity (ytd only) | 1.6535% | 3,970 |
| Net charge-offs to loans | 0.1260% | 1,246 |
| Credit loss provision to net charge-offs | 378.2288% | 1,495 |
| Earnings coverage of net charge-offs (x) | 19.2620% | 1,993 |
| Efficiency ratio | 57.3181% | 3,814 |
| Assets per employee ($millions) | 5.3836% | 2,975 |
| Cash dividends to net income (ytd only)* | 88.0776% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2778% | 2,522 |
| Loan loss allowance to noncurrent loans | 289.3068% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.6314% | 1,666 |
| Noncurrent loans to loans | 0.4417% | 2,651 |
| Net loans and leases to total assets | 74.2918% | 986 |
| Net loans and leases to deposits | 87.2685% | 1,155 |
| Net loans and leases to core deposits | 96.8741% | 1,072 |
| Total domestic deposits to total assets | 85.1302% | 2,708 |
| Equity capital to assets | 10.4110% | 2,743 |
| Core capital (leverage) ratio | 10.3344% | 2,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $544,983,000 | 1,441 |
| Average earning assets | $512,411,800 | 1,427 |
| Average equity | $57,574,200 | 1,490 |
| Average total loans | $430,040,000 | 1,272 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9665% | 638 |
| Cost of funding earning assets | 0.8055% | 1,469 |
| Net interest margin | 4.1610% | 791 |
| Noninterest income to average assets | 0.4542% | 2,828 |
| Noninterest expense to average assets | 2.5232% | 2,766 |
| Loan and lease loss provision to assets | 0.3571% | 1,052 |
| Net operating income to assets | 1.4237% | 1,051 |
| Return on assets (ROA) | 1.4307% | 1,122 |
| Pretax return on assets | 1.5083% | 1,430 |
| Return on Equity (ROE) | 13.4921% | 977 |
| Retained earnings to average equity (ytd only) | 3.1942% | 3,436 |
| Net charge-offs to loans | 0.1074% | 1,262 |
| Credit loss provision to net charge-offs | 416.6667% | 1,429 |
| Earnings coverage of net charge-offs (x) | 21.6753% | 1,855 |
| Efficiency ratio | 57.5902% | 3,724 |
| Assets per employee ($millions) | 5.3045% | 2,885 |
| Cash dividends to net income (ytd only)* | 76.3258% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1281% | 3,049 |
| Loan loss allowance to noncurrent loans | 203.3497% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.6450% | 1,801 |
| Noncurrent loans to loans | 0.5547% | 2,408 |
| Net loans and leases to total assets | 76.8723% | 979 |
| Net loans and leases to deposits | 91.0964% | 1,148 |
| Net loans and leases to core deposits | 101.0915% | 1,085 |
| Total domestic deposits to total assets | 84.3856% | 2,681 |
| Equity capital to assets | 10.3512% | 2,921 |
| Core capital (leverage) ratio | 10.3254% | 2,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $541,254,000 | 1,432 |
| Average earning assets | $510,828,000 | 1,415 |
| Average equity | $57,395,000 | 1,488 |
| Average total loans | $432,214,250 | 1,265 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0801% | 710 |
| Cost of funding earning assets | 0.8905% | 1,415 |
| Net interest margin | 4.1896% | 948 |
| Noninterest income to average assets | 0.4075% | 3,031 |
| Noninterest expense to average assets | 2.5518% | 2,820 |
| Loan and lease loss provision to assets | 0.3193% | 1,342 |
| Net operating income to assets | 1.4141% | 1,084 |
| Return on assets (ROA) | 1.4141% | 1,176 |
| Pretax return on assets | 1.4896% | 1,480 |
| Return on Equity (ROE) | 13.2238% | 1,049 |
| Retained earnings to average equity (ytd only) | 1.1064% | 4,077 |
| Net charge-offs to loans | 0.0643% | 1,601 |
| Credit loss provision to net charge-offs | 615.9420% | 1,090 |
| Earnings coverage of net charge-offs (x) | 34.8986% | 1,336 |
| Efficiency ratio | 58.5185% | 3,627 |
| Assets per employee ($millions) | 5.1211% | 3,037 |
| Cash dividends to net income (ytd only)* | 91.6335% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0395% | 3,370 |
| Loan loss allowance to noncurrent loans | 266.5892% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.5651% | 2,109 |
| Noncurrent loans to loans | 0.3899% | 3,008 |
| Net loans and leases to total assets | 76.8402% | 1,018 |
| Net loans and leases to deposits | 92.8059% | 1,069 |
| Net loans and leases to core deposits | 103.5075% | 1,034 |
| Total domestic deposits to total assets | 82.7967% | 3,144 |
| Equity capital to assets | 10.1480% | 3,070 |
| Core capital (leverage) ratio | 10.2896% | 2,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $532,479,333 | 1,428 |
| Average earning assets | $502,434,667 | 1,415 |
| Average equity | $56,943,000 | 1,489 |
| Average total loans | $429,189,667 | 1,259 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3191% | 531 |
| Cost of funding earning assets | 1.0085% | 1,386 |
| Net interest margin | 4.3106% | 745 |
| Noninterest income to average assets | 0.4167% | 2,990 |
| Noninterest expense to average assets | 2.7359% | 2,613 |
| Loan and lease loss provision to assets | 0.1944% | 1,554 |
| Net operating income to assets | 1.4888% | 803 |
| Return on assets (ROA) | 1.4888% | 877 |
| Pretax return on assets | 1.5673% | 1,136 |
| Return on Equity (ROE) | 13.5403% | 786 |
| Retained earnings to average equity (ytd only) | -4.5888% | 4,487 |
| Net charge-offs to loans | 0.0652% | 1,367 |
| Credit loss provision to net charge-offs | 362.3188% | 1,064 |
| Earnings coverage of net charge-offs (x) | 32.8406% | 1,122 |
| Efficiency ratio | 60.8297% | 3,638 |
| Assets per employee ($millions) | 5.0727% | 2,568 |
| Cash dividends to net income (ytd only)* | 133.8903% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9555% | 3,911 |
| Loan loss allowance to noncurrent loans | 207.0955% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.7136% | 1,880 |
| Noncurrent loans to loans | 0.4614% | 2,873 |
| Net loans and leases to total assets | 78.9544% | 831 |
| Net loans and leases to deposits | 96.8183% | 835 |
| Net loans and leases to core deposits | 106.2622% | 1,044 |
| Total domestic deposits to total assets | 81.5491% | 3,535 |
| Equity capital to assets | 10.5346% | 3,287 |
| Core capital (leverage) ratio | 11.0982% | 2,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $514,500,500 | 1,435 |
| Average earning assets | $487,079,000 | 1,407 |
| Average equity | $56,572,000 | 1,488 |
| Average total loans | $423,096,500 | 1,239 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5485% | 518 |
| Cost of funding earning assets | 1.2212% | 973 |
| Net interest margin | 4.3273% | 1,037 |
| Noninterest income to average assets | 0.4424% | 3,044 |
| Noninterest expense to average assets | 2.6896% | 2,917 |
| Loan and lease loss provision to assets | 0.1677% | 1,244 |
| Net operating income to assets | 1.5868% | 863 |
| Return on assets (ROA) | 1.5868% | 917 |
| Pretax return on assets | 1.6662% | 1,282 |
| Return on Equity (ROE) | 14.4169% | 813 |
| Retained earnings to average equity (ytd only) | 4.1649% | 2,876 |
| Net charge-offs to loans | 0.1572% | 1,278 |
| Credit loss provision to net charge-offs | 130.5684% | 1,954 |
| Earnings coverage of net charge-offs (x) | 14.2750% | 2,292 |
| Efficiency ratio | 59.4582% | 3,768 |
| Assets per employee ($millions) | 4.4718% | 3,272 |
| Cash dividends to net income (ytd only)* | 71.1106% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9194% | 3,881 |
| Loan loss allowance to noncurrent loans | 191.0301% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.9769% | 1,284 |
| Noncurrent loans to loans | 0.4813% | 2,744 |
| Net loans and leases to total assets | 84.1558% | 311 |
| Net loans and leases to deposits | 100.9991% | 528 |
| Net loans and leases to core deposits | 110.8769% | 808 |
| Total domestic deposits to total assets | 83.3234% | 3,094 |
| Equity capital to assets | 11.4901% | 2,539 |
| Core capital (leverage) ratio | 11.3599% | 2,206 |
| Tier 1 risk-based capital ratio | 13.6881% | 3,422 |
| Total risk-based capital ratio | 14.6254% | 3,480 |
| Memoranda: | ||
| Average total assets | $506,730,000 | 1,410 |
| Average earning assets | $477,891,600 | 1,386 |
| Average equity | $55,775,000 | 1,449 |
| Average total loans | $414,044,600 | 1,233 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5469% | 543 |
| Cost of funding earning assets | 1.2331% | 947 |
| Net interest margin | 4.3138% | 1,139 |
| Noninterest income to average assets | 0.4992% | 2,735 |
| Noninterest expense to average assets | 2.6366% | 3,053 |
| Loan and lease loss provision to assets | 0.2094% | 834 |
| Net operating income to assets | 1.6419% | 839 |
| Return on assets (ROA) | 1.6419% | 885 |
| Pretax return on assets | 1.7209% | 1,283 |
| Return on Equity (ROE) | 15.0782% | 761 |
| Retained earnings to average equity (ytd only) | 4.7889% | 2,997 |
| Net charge-offs to loans | 0.1297% | 1,227 |
| Credit loss provision to net charge-offs | 199.5012% | 1,317 |
| Earnings coverage of net charge-offs (x) | 18.3891% | 2,052 |
| Efficiency ratio | 57.7324% | 3,975 |
| Assets per employee ($millions) | 4.6832% | 2,937 |
| Cash dividends to net income (ytd only)* | 68.2397% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9826% | 3,671 |
| Loan loss allowance to noncurrent loans | 174.0393% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 1.0729% | 1,228 |
| Noncurrent loans to loans | 0.5646% | 2,604 |
| Net loans and leases to total assets | 80.4658% | 786 |
| Net loans and leases to deposits | 96.0267% | 1,016 |
| Net loans and leases to core deposits | 106.3278% | 1,161 |
| Total domestic deposits to total assets | 83.7952% | 2,893 |
| Equity capital to assets | 11.1075% | 3,003 |
| Core capital (leverage) ratio | 11.2110% | 2,465 |
| Tier 1 risk-based capital ratio | 13.8094% | 3,421 |
| Total risk-based capital ratio | 14.8097% | 3,452 |
| Memoranda: | ||
| Average total assets | $509,321,000 | 1,408 |
| Average earning assets | $480,278,750 | 1,387 |
| Average equity | $55,460,500 | 1,456 |
| Average total loans | $412,156,500 | 1,246 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5387% | 532 |
| Cost of funding earning assets | 1.2167% | 946 |
| Net interest margin | 4.3221% | 1,095 |
| Noninterest income to average assets | 0.5223% | 2,555 |
| Noninterest expense to average assets | 2.6333% | 3,107 |
| Loan and lease loss provision to assets | 0.2358% | 675 |
| Net operating income to assets | 1.6477% | 813 |
| Return on assets (ROA) | 1.6477% | 847 |
| Pretax return on assets | 1.7267% | 1,223 |
| Return on Equity (ROE) | 15.2343% | 719 |
| Retained earnings to average equity (ytd only) | 5.2210% | 2,657 |
| Net charge-offs to loans | 0.0365% | 2,142 |
| Credit loss provision to net charge-offs | 800.0000% | 423 |
| Earnings coverage of net charge-offs (x) | 66.5867% | 930 |
| Efficiency ratio | 57.2980% | 4,093 |
| Assets per employee ($millions) | 4.7604% | 2,792 |
| Cash dividends to net income (ytd only)* | 65.7286% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0229% | 3,490 |
| Loan loss allowance to noncurrent loans | 168.5519% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 1.1898% | 1,121 |
| Noncurrent loans to loans | 0.6069% | 2,442 |
| Net loans and leases to total assets | 79.0879% | 1,027 |
| Net loans and leases to deposits | 94.3660% | 1,220 |
| Net loans and leases to core deposits | 102.9351% | 1,474 |
| Total domestic deposits to total assets | 83.8098% | 2,945 |
| Equity capital to assets | 10.9123% | 3,162 |
| Core capital (leverage) ratio | 10.9594% | 2,636 |
| Tier 1 risk-based capital ratio | 13.8263% | 3,411 |
| Total risk-based capital ratio | 14.8691% | 3,415 |
| Memoranda: | ||
| Average total assets | $508,937,000 | 1,407 |
| Average earning assets | $479,676,670 | 1,385 |
| Average equity | $55,047,000 | 1,452 |
| Average total loans | $411,264,670 | 1,251 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4826% | 538 |
| Cost of funding earning assets | 1.1500% | 1,045 |
| Net interest margin | 4.3325% | 1,038 |
| Noninterest income to average assets | 0.4274% | 2,994 |
| Noninterest expense to average assets | 2.6117% | 3,184 |
| Loan and lease loss provision to assets | 0.2370% | 636 |
| Net operating income to assets | 1.5792% | 937 |
| Return on assets (ROA) | 1.5792% | 964 |
| Pretax return on assets | 1.6589% | 1,314 |
| Return on Equity (ROE) | 14.6663% | 826 |
| Retained earnings to average equity (ytd only) | 4.6149% | 3,078 |
| Net charge-offs to loans | 0.0146% | 2,186 |
| Credit loss provision to net charge-offs | 2,000.0000% | 217 |
| Earnings coverage of net charge-offs (x) | 160.0000% | 479 |
| Efficiency ratio | 57.9390% | 4,084 |
| Assets per employee ($millions) | 4.8722% | 2,676 |
| Cash dividends to net income (ytd only)* | 68.5343% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9611% | 3,924 |
| Loan loss allowance to noncurrent loans | 168.5240% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 1.2262% | 1,088 |
| Noncurrent loans to loans | 0.5703% | 2,622 |
| Net loans and leases to total assets | 79.8027% | 865 |
| Net loans and leases to deposits | 94.9141% | 1,070 |
| Net loans and leases to core deposits | 104.3316% | 1,292 |
| Total domestic deposits to total assets | 84.0789% | 3,028 |
| Equity capital to assets | 10.7396% | 3,117 |
| Core capital (leverage) ratio | 11.0770% | 2,504 |
| Tier 1 risk-based capital ratio | 13.6749% | 3,506 |
| Total risk-based capital ratio | 14.6617% | 3,562 |
| Memoranda: | ||
| Average total assets | $506,346,000 | 1,419 |
| Average earning assets | $476,855,500 | 1,396 |
| Average equity | $54,519,500 | 1,457 |
| Average total loans | $411,493,000 | 1,257 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4145% | 473 |
| Cost of funding earning assets | 0.8345% | 1,364 |
| Net interest margin | 4.5799% | 632 |
| Noninterest income to average assets | 0.4198% | 3,314 |
| Noninterest expense to average assets | 2.7537% | 2,844 |
| Loan and lease loss provision to assets | 0.1984% | 956 |
| Net operating income to assets | 1.7049% | 690 |
| Return on assets (ROA) | 1.7049% | 678 |
| Pretax return on assets | 1.8020% | 910 |
| Return on Equity (ROE) | 15.7883% | 674 |
| Retained earnings to average equity (ytd only) | 4.4518% | 3,079 |
| Net charge-offs to loans | 0.3460% | 547 |
| Credit loss provision to net charge-offs | 68.5794% | 3,009 |
| Earnings coverage of net charge-offs (x) | 6.9160% | 3,036 |
| Efficiency ratio | 57.9232% | 4,174 |
| Assets per employee ($millions) | 4.7274% | 2,834 |
| Cash dividends to net income (ytd only)* | 71.8034% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8952% | 4,192 |
| Loan loss allowance to noncurrent loans | 172.7102% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 1.2183% | 1,073 |
| Noncurrent loans to loans | 0.5183% | 2,722 |
| Net loans and leases to total assets | 81.2378% | 776 |
| Net loans and leases to deposits | 97.6980% | 925 |
| Net loans and leases to core deposits | 107.0504% | 1,189 |
| Total domestic deposits to total assets | 83.1519% | 3,276 |
| Equity capital to assets | 10.7955% | 2,889 |
| Core capital (leverage) ratio | 11.0131% | 2,515 |
| Tier 1 risk-based capital ratio | 13.4901% | 3,552 |
| Total risk-based capital ratio | 14.4039% | 3,643 |
| Memoranda: | ||
| Average total assets | $494,056,600 | 1,423 |
| Average earning assets | $467,561,000 | 1,396 |
| Average equity | $53,349,800 | 1,436 |
| Average total loans | $412,988,000 | 1,221 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3396% | 491 |
| Cost of funding earning assets | 0.7709% | 1,477 |
| Net interest margin | 4.5687% | 640 |
| Noninterest income to average assets | 0.4639% | 3,074 |
| Noninterest expense to average assets | 2.7127% | 2,940 |
| Loan and lease loss provision to assets | 0.2112% | 796 |
| Net operating income to assets | 1.7797% | 624 |
| Return on assets (ROA) | 1.7797% | 628 |
| Pretax return on assets | 1.8772% | 853 |
| Return on Equity (ROE) | 16.4797% | 617 |
| Retained earnings to average equity (ytd only) | 7.2630% | 1,997 |
| Net charge-offs to loans | 0.1351% | 1,196 |
| Credit loss provision to net charge-offs | 186.1575% | 1,468 |
| Earnings coverage of net charge-offs (x) | 18.4034% | 2,056 |
| Efficiency ratio | 56.5014% | 4,316 |
| Assets per employee ($millions) | 4.5168% | 3,095 |
| Cash dividends to net income (ytd only)* | 55.9276% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0765% | 3,316 |
| Loan loss allowance to noncurrent loans | 263.6310% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.9275% | 1,591 |
| Noncurrent loans to loans | 0.4083% | 3,189 |
| Net loans and leases to total assets | 82.9866% | 565 |
| Net loans and leases to deposits | 99.1857% | 847 |
| Net loans and leases to core deposits | 108.5940% | 1,125 |
| Total domestic deposits to total assets | 83.6679% | 3,055 |
| Equity capital to assets | 10.9549% | 2,702 |
| Core capital (leverage) ratio | 11.3044% | 2,331 |
| Tier 1 risk-based capital ratio | 13.5322% | 3,607 |
| Total risk-based capital ratio | 14.6403% | 3,610 |
| Memoranda: | ||
| Average total assets | $492,293,750 | 1,432 |
| Average earning assets | $467,342,250 | 1,398 |
| Average equity | $53,163,000 | 1,450 |
| Average total loans | $413,543,500 | 1,221 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3088% | 459 |
| Cost of funding earning assets | 0.7265% | 1,491 |
| Net interest margin | 4.5823% | 575 |
| Noninterest income to average assets | 0.4601% | 3,092 |
| Noninterest expense to average assets | 2.7055% | 3,000 |
| Loan and lease loss provision to assets | 0.2445% | 634 |
| Net operating income to assets | 1.7666% | 626 |
| Return on assets (ROA) | 1.7666% | 631 |
| Pretax return on assets | 1.8644% | 852 |
| Return on Equity (ROE) | 16.4388% | 593 |
| Retained earnings to average equity (ytd only) | 7.0116% | 2,067 |
| Net charge-offs to loans | 0.1358% | 1,106 |
| Credit loss provision to net charge-offs | 214.2857% | 1,241 |
| Earnings coverage of net charge-offs (x) | 18.4821% | 1,899 |
| Efficiency ratio | 56.1960% | 4,455 |
| Assets per employee ($millions) | 4.4731% | 3,166 |
| Cash dividends to net income (ytd only)* | 57.3472% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0660% | 3,458 |
| Loan loss allowance to noncurrent loans | 1,425.0000% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.7138% | 2,094 |
| Noncurrent loans to loans | 0.0748% | 4,586 |
| Net loans and leases to total assets | 84.6324% | 391 |
| Net loans and leases to deposits | 101.1931% | 721 |
| Net loans and leases to core deposits | 111.5042% | 910 |
| Total domestic deposits to total assets | 83.6346% | 3,200 |
| Equity capital to assets | 10.9842% | 2,652 |
| Core capital (leverage) ratio | 11.0617% | 2,471 |
| Tier 1 risk-based capital ratio | 13.2834% | 3,740 |
| Total risk-based capital ratio | 14.3821% | 3,744 |
| Memoranda: | ||
| Average total assets | $490,776,670 | 1,441 |
| Average earning assets | $466,354,670 | 1,402 |
| Average equity | $52,741,000 | 1,461 |
| Average total loans | $412,457,330 | 1,222 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1959% | 493 |
| Cost of funding earning assets | 0.6787% | 1,550 |
| Net interest margin | 4.5173% | 596 |
| Noninterest income to average assets | 0.4232% | 3,287 |
| Noninterest expense to average assets | 2.7133% | 3,001 |
| Loan and lease loss provision to assets | 0.2437% | 618 |
| Net operating income to assets | 1.6621% | 748 |
| Return on assets (ROA) | 1.6621% | 752 |
| Pretax return on assets | 1.7596% | 985 |
| Return on Equity (ROE) | 15.6380% | 678 |
| Retained earnings to average equity (ytd only) | 6.4738% | 2,518 |
| Net charge-offs to loans | 0.1697% | 851 |
| Credit loss provision to net charge-offs | 172.4138% | 1,149 |
| Earnings coverage of net charge-offs (x) | 14.1724% | 1,724 |
| Efficiency ratio | 57.5267% | 4,410 |
| Assets per employee ($millions) | 4.5940% | 3,007 |
| Cash dividends to net income (ytd only)* | 58.6022% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0407% | 3,722 |
| Loan loss allowance to noncurrent loans | 547.9381% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.8078% | 1,966 |
| Noncurrent loans to loans | 0.1899% | 4,112 |
| Net loans and leases to total assets | 82.2536% | 634 |
| Net loans and leases to deposits | 98.0061% | 858 |
| Net loans and leases to core deposits | 110.0689% | 1,007 |
| Total domestic deposits to total assets | 83.9271% | 3,353 |
| Equity capital to assets | 10.7015% | 2,867 |
| Core capital (leverage) ratio | 10.8727% | 2,564 |
| Tier 1 risk-based capital ratio | 13.3218% | 3,762 |
| Total risk-based capital ratio | 14.3956% | 3,784 |
| Memoranda: | ||
| Average total assets | $492,383,000 | 1,440 |
| Average earning assets | $467,981,000 | 1,411 |
| Average equity | $52,334,000 | 1,475 |
| Average total loans | $410,144,500 | 1,237 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2697% | 386 |
| Cost of funding earning assets | 0.6221% | 1,453 |
| Net interest margin | 4.6476% | 453 |
| Noninterest income to average assets | 0.4352% | 3,403 |
| Noninterest expense to average assets | 2.8442% | 2,630 |
| Loan and lease loss provision to assets | 0.2033% | 1,012 |
| Net operating income to assets | 1.6971% | 529 |
| Return on assets (ROA) | 1.7049% | 539 |
| Pretax return on assets | 1.8039% | 790 |
| Return on Equity (ROE) | 15.7822% | 506 |
| Retained earnings to average equity (ytd only) | 3.9665% | 2,816 |
| Net charge-offs to loans | 0.0424% | 2,942 |
| Credit loss provision to net charge-offs | 571.0059% | 567 |
| Earnings coverage of net charge-offs (x) | 56.1479% | 999 |
| Efficiency ratio | 58.7255% | 4,441 |
| Assets per employee ($millions) | 4.4837% | 3,210 |
| Cash dividends to net income (ytd only)* | 74.8672% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 3,930 |
| Loan loss allowance to noncurrent loans | 645.6964% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.8380% | 1,862 |
| Noncurrent loans to loans | 0.1552% | 4,309 |
| Net loans and leases to total assets | 82.6399% | 604 |
| Net loans and leases to deposits | 98.8562% | 831 |
| Net loans and leases to core deposits | 111.8771% | 905 |
| Total domestic deposits to total assets | 83.5961% | 3,356 |
| Equity capital to assets | 10.5562% | 3,102 |
| Core capital (leverage) ratio | 10.7464% | 2,594 |
| Tier 1 risk-based capital ratio | 12.9272% | 3,949 |
| Total risk-based capital ratio | 13.9548% | 3,987 |
| Memoranda: | ||
| Average total assets | $474,682,600 | 1,467 |
| Average earning assets | $450,213,600 | 1,435 |
| Average equity | $51,279,400 | 1,496 |
| Average total loans | $398,949,800 | 1,234 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2576% | 376 |
| Cost of funding earning assets | 0.6137% | 1,437 |
| Net interest margin | 4.6439% | 452 |
| Noninterest income to average assets | 0.4462% | 3,357 |
| Noninterest expense to average assets | 2.8098% | 2,690 |
| Loan and lease loss provision to assets | 0.2269% | 810 |
| Net operating income to assets | 1.7107% | 568 |
| Return on assets (ROA) | 1.7212% | 569 |
| Pretax return on assets | 1.8205% | 841 |
| Return on Equity (ROE) | 15.8378% | 542 |
| Retained earnings to average equity (ytd only) | 4.0952% | 3,482 |
| Net charge-offs to loans | 0.0374% | 2,691 |
| Credit loss provision to net charge-offs | 720.7207% | 473 |
| Earnings coverage of net charge-offs (x) | 64.6741% | 947 |
| Efficiency ratio | 57.9807% | 4,507 |
| Assets per employee ($millions) | 4.2919% | 3,484 |
| Cash dividends to net income (ytd only)* | 74.1431% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9847% | 4,156 |
| Loan loss allowance to noncurrent loans | 412.2051% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.8600% | 1,999 |
| Noncurrent loans to loans | 0.2389% | 4,099 |
| Net loans and leases to total assets | 83.3238% | 508 |
| Net loans and leases to deposits | 100.8503% | 687 |
| Net loans and leases to core deposits | 114.0932% | 834 |
| Total domestic deposits to total assets | 82.6214% | 3,580 |
| Equity capital to assets | 10.6822% | 3,182 |
| Core capital (leverage) ratio | 10.8973% | 2,552 |
| Tier 1 risk-based capital ratio | 12.9138% | 4,072 |
| Total risk-based capital ratio | 13.9228% | 4,115 |
| Memoranda: | ||
| Average total assets | $470,051,500 | 1,492 |
| Average earning assets | $445,359,250 | 1,459 |
| Average equity | $51,083,250 | 1,514 |
| Average total loans | $395,759,250 | 1,252 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2067% | 394 |
| Cost of funding earning assets | 0.5989% | 1,456 |
| Net interest margin | 4.6078% | 471 |
| Noninterest income to average assets | 0.4442% | 3,392 |
| Noninterest expense to average assets | 2.8008% | 2,760 |
| Loan and lease loss provision to assets | 0.0645% | 2,680 |
| Net operating income to assets | 1.8509% | 409 |
| Return on assets (ROA) | 1.8509% | 421 |
| Pretax return on assets | 1.9498% | 588 |
| Return on Equity (ROE) | 16.9309% | 416 |
| Retained earnings to average equity (ytd only) | 5.1336% | 2,620 |
| Net charge-offs to loans | -0.0260% | 4,892 |
| Credit loss provision to net charge-offs | -294.1176% | 4,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1674% | 4,566 |
| Assets per employee ($millions) | 4.1476% | 3,719 |
| Cash dividends to net income (ytd only)* | 69.6794% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8919% | 4,671 |
| Loan loss allowance to noncurrent loans | 349.6040% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.8550% | 2,070 |
| Noncurrent loans to loans | 0.2551% | 4,129 |
| Net loans and leases to total assets | 83.7149% | 477 |
| Net loans and leases to deposits | 100.8734% | 675 |
| Net loans and leases to core deposits | 114.4976% | 776 |
| Total domestic deposits to total assets | 82.9901% | 3,572 |
| Equity capital to assets | 11.0232% | 2,782 |
| Core capital (leverage) ratio | 10.9959% | 2,408 |
| Tier 1 risk-based capital ratio | 13.1795% | 3,898 |
| Total risk-based capital ratio | 14.0888% | 4,007 |
| Memoranda: | ||
| Average total assets | $465,073,330 | 1,506 |
| Average earning assets | $441,163,670 | 1,481 |
| Average equity | $50,842,000 | 1,520 |
| Average total loans | $391,636,330 | 1,264 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1439% | 414 |
| Cost of funding earning assets | 0.5892% | 1,447 |
| Net interest margin | 4.5548% | 473 |
| Noninterest income to average assets | 0.4170% | 3,550 |
| Noninterest expense to average assets | 2.8355% | 2,665 |
| Loan and lease loss provision to assets | 0.0432% | 2,939 |
| Net operating income to assets | 1.7622% | 486 |
| Return on assets (ROA) | 1.7622% | 496 |
| Pretax return on assets | 1.8572% | 707 |
| Return on Equity (ROE) | 16.1883% | 507 |
| Retained earnings to average equity (ytd only) | 4.2434% | 3,320 |
| Net charge-offs to loans | -0.2670% | 5,670 |
| Credit loss provision to net charge-offs | -19.2308% | 3,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8724% | 4,467 |
| Assets per employee ($millions) | 4.1288% | 3,791 |
| Cash dividends to net income (ytd only)* | 73.7874% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9345% | 4,619 |
| Loan loss allowance to noncurrent loans | 359.6838% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.8271% | 2,230 |
| Noncurrent loans to loans | 0.2598% | 4,185 |
| Net loans and leases to total assets | 82.7067% | 489 |
| Net loans and leases to deposits | 99.3860% | 656 |
| Net loans and leases to core deposits | 113.5511% | 700 |
| Total domestic deposits to total assets | 83.2177% | 3,760 |
| Equity capital to assets | 10.8718% | 2,775 |
| Core capital (leverage) ratio | 10.9018% | 2,475 |
| Tier 1 risk-based capital ratio | 13.2157% | 3,936 |
| Total risk-based capital ratio | 14.1701% | 4,023 |
| Memoranda: | ||
| Average total assets | $463,273,000 | 1,519 |
| Average earning assets | $439,273,500 | 1,485 |
| Average equity | $50,431,500 | 1,530 |
| Average total loans | $389,514,000 | 1,278 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1551% | 446 |
| Cost of funding earning assets | 0.5983% | 1,344 |
| Net interest margin | 4.5568% | 545 |
| Noninterest income to average assets | 0.5323% | 3,020 |
| Noninterest expense to average assets | 2.9277% | 2,574 |
| Loan and lease loss provision to assets | 0.1352% | 1,845 |
| Net operating income to assets | 1.7268% | 510 |
| Return on assets (ROA) | 1.7268% | 540 |
| Pretax return on assets | 1.7803% | 841 |
| Return on Equity (ROE) | 16.2303% | 485 |
| Retained earnings to average equity (ytd only) | 5.1227% | 2,266 |
| Net charge-offs to loans | 0.2283% | 1,217 |
| Credit loss provision to net charge-offs | 70.6215% | 3,129 |
| Earnings coverage of net charge-offs (x) | 10.0034% | 2,697 |
| Efficiency ratio | 60.4494% | 4,519 |
| Assets per employee ($millions) | 4.0350% | 3,902 |
| Cash dividends to net income (ytd only)* | 68.4375% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8549% | 4,945 |
| Loan loss allowance to noncurrent loans | 410.6042% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.8485% | 2,223 |
| Noncurrent loans to loans | 0.2082% | 4,411 |
| Net loans and leases to total assets | 83.9551% | 386 |
| Net loans and leases to deposits | 103.0869% | 461 |
| Net loans and leases to core deposits | 118.3020% | 532 |
| Total domestic deposits to total assets | 81.4411% | 4,221 |
| Equity capital to assets | 10.9003% | 2,712 |
| Core capital (leverage) ratio | 10.8087% | 2,528 |
| Tier 1 risk-based capital ratio | 13.1069% | 3,995 |
| Total risk-based capital ratio | 13.9821% | 4,139 |
| Memoranda: | ||
| Average total assets | $462,173,200 | 1,477 |
| Average earning assets | $437,237,800 | 1,452 |
| Average equity | $49,173,600 | 1,543 |
| Average total loans | $387,641,000 | 1,229 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1396% | 464 |
| Cost of funding earning assets | 0.5919% | 1,395 |
| Net interest margin | 4.5477% | 560 |
| Noninterest income to average assets | 0.5385% | 2,988 |
| Noninterest expense to average assets | 2.9287% | 2,549 |
| Loan and lease loss provision to assets | 0.1153% | 2,007 |
| Net operating income to assets | 1.7084% | 581 |
| Return on assets (ROA) | 1.7084% | 617 |
| Pretax return on assets | 1.7940% | 909 |
| Return on Equity (ROE) | 16.1554% | 529 |
| Retained earnings to average equity (ytd only) | 5.2125% | 2,684 |
| Net charge-offs to loans | 0.2232% | 1,049 |
| Credit loss provision to net charge-offs | 61.7284% | 2,889 |
| Earnings coverage of net charge-offs (x) | 10.2253% | 2,599 |
| Efficiency ratio | 60.5360% | 4,459 |
| Assets per employee ($millions) | 4.0739% | 3,832 |
| Cash dividends to net income (ytd only)* | 67.7348% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8573% | 5,014 |
| Loan loss allowance to noncurrent loans | 159.1429% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.8673% | 2,385 |
| Noncurrent loans to loans | 0.5387% | 3,376 |
| Net loans and leases to total assets | 83.2178% | 488 |
| Net loans and leases to deposits | 103.9313% | 460 |
| Net loans and leases to core deposits | 119.7270% | 515 |
| Total domestic deposits to total assets | 80.0700% | 4,499 |
| Equity capital to assets | 10.7885% | 3,254 |
| Core capital (leverage) ratio | 10.7402% | 2,739 |
| Tier 1 risk-based capital ratio | 12.8858% | 4,228 |
| Total risk-based capital ratio | 13.7600% | 4,369 |
| Memoranda: | ||
| Average total assets | $462,719,250 | 1,477 |
| Average earning assets | $437,456,750 | 1,454 |
| Average equity | $48,932,000 | 1,562 |
| Average total loans | $387,172,750 | 1,230 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1111% | 484 |
| Cost of funding earning assets | 0.5851% | 1,432 |
| Net interest margin | 4.5260% | 580 |
| Noninterest income to average assets | 0.4509% | 3,516 |
| Noninterest expense to average assets | 2.7065% | 3,372 |
| Loan and lease loss provision to assets | 0.0866% | 2,415 |
| Net operating income to assets | 1.8609% | 429 |
| Return on assets (ROA) | 1.8609% | 454 |
| Pretax return on assets | 1.9465% | 638 |
| Return on Equity (ROE) | 17.7169% | 379 |
| Retained earnings to average equity (ytd only) | 6.2380% | 1,996 |
| Net charge-offs to loans | 0.2402% | 984 |
| Credit loss provision to net charge-offs | 43.1034% | 2,743 |
| Earnings coverage of net charge-offs (x) | 10.1250% | 2,353 |
| Efficiency ratio | 57.1037% | 5,014 |
| Assets per employee ($millions) | 4.0197% | 3,865 |
| Cash dividends to net income (ytd only)* | 64.7907% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8606% | 5,098 |
| Loan loss allowance to noncurrent loans | 217.6702% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.7367% | 2,773 |
| Noncurrent loans to loans | 0.3954% | 3,944 |
| Net loans and leases to total assets | 82.1710% | 608 |
| Net loans and leases to deposits | 103.6081% | 475 |
| Net loans and leases to core deposits | 119.0609% | 539 |
| Total domestic deposits to total assets | 79.3094% | 4,716 |
| Equity capital to assets | 10.6032% | 3,528 |
| Core capital (leverage) ratio | 10.4848% | 2,991 |
| Tier 1 risk-based capital ratio | 12.8478% | 4,285 |
| Total risk-based capital ratio | 13.7286% | 4,446 |
| Memoranda: | ||
| Average total assets | $462,152,000 | 1,486 |
| Average earning assets | $437,911,000 | 1,460 |
| Average equity | $48,541,330 | 1,568 |
| Average total loans | $386,289,330 | 1,234 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0857% | 505 |
| Cost of funding earning assets | 0.5788% | 1,486 |
| Net interest margin | 4.5069% | 600 |
| Noninterest income to average assets | 0.4756% | 3,307 |
| Noninterest expense to average assets | 2.6891% | 3,452 |
| Loan and lease loss provision to assets | 0.1304% | 1,622 |
| Net operating income to assets | 1.8475% | 439 |
| Return on assets (ROA) | 1.8475% | 470 |
| Pretax return on assets | 1.9344% | 650 |
| Return on Equity (ROE) | 17.6746% | 386 |
| Retained earnings to average equity (ytd only) | 5.4812% | 2,665 |
| Net charge-offs to loans | 0.0994% | 1,533 |
| Credit loss provision to net charge-offs | 156.2500% | 1,243 |
| Earnings coverage of net charge-offs (x) | 24.7396% | 1,320 |
| Efficiency ratio | 56.5655% | 5,140 |
| Assets per employee ($millions) | 4.1554% | 3,665 |
| Cash dividends to net income (ytd only)* | 68.9882% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9374% | 4,918 |
| Loan loss allowance to noncurrent loans | 106.5809% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 0.9187% | 2,397 |
| Noncurrent loans to loans | 0.8796% | 2,649 |
| Net loans and leases to total assets | 81.2891% | 649 |
| Net loans and leases to deposits | 101.6963% | 519 |
| Net loans and leases to core deposits | 118.2092% | 520 |
| Total domestic deposits to total assets | 79.9332% | 4,761 |
| Equity capital to assets | 10.2300% | 3,818 |
| Core capital (leverage) ratio | 10.4784% | 2,994 |
| Tier 1 risk-based capital ratio | 12.4563% | 4,613 |
| Total risk-based capital ratio | 13.4088% | 4,709 |
| Memoranda: | ||
| Average total assets | $460,086,000 | 1,493 |
| Average earning assets | $436,756,500 | 1,460 |
| Average equity | $48,091,500 | 1,571 |
| Average total loans | $386,196,000 | 1,229 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1970% | 435 |
| Cost of funding earning assets | 0.5772% | 1,529 |
| Net interest margin | 4.6198% | 520 |
| Noninterest income to average assets | 0.4475% | 3,694 |
| Noninterest expense to average assets | 2.7405% | 3,445 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.9732% | 364 |
| Return on assets (ROA) | 1.9732% | 371 |
| Pretax return on assets | 2.0623% | 477 |
| Return on Equity (ROE) | 18.8353% | 322 |
| Retained earnings to average equity (ytd only) | 4.2544% | 2,959 |
| Net charge-offs to loans | 0.2492% | 1,207 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 9.9452% | 2,756 |
| Efficiency ratio | 57.0607% | 5,251 |
| Assets per employee ($millions) | 3.8823% | 4,155 |
| Cash dividends to net income (ytd only)* | 77.4128% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9357% | 4,933 |
| Loan loss allowance to noncurrent loans | 165.3616% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.6952% | 2,963 |
| Noncurrent loans to loans | 0.5658% | 3,477 |
| Net loans and leases to total assets | 85.1323% | 299 |
| Net loans and leases to deposits | 105.9979% | 362 |
| Net loans and leases to core deposits | 124.3285% | 372 |
| Total domestic deposits to total assets | 80.3151% | 4,660 |
| Equity capital to assets | 10.6890% | 3,148 |
| Core capital (leverage) ratio | 10.4918% | 2,943 |
| Tier 1 risk-based capital ratio | 12.3628% | 4,723 |
| Total risk-based capital ratio | 13.3072% | 4,816 |
| Memoranda: | ||
| Average total assets | $448,965,000 | 1,493 |
| Average earning assets | $423,261,200 | 1,469 |
| Average equity | $47,034,000 | 1,569 |
| Average total loans | $373,568,200 | 1,223 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1751% | 454 |
| Cost of funding earning assets | 0.5763% | 1,572 |
| Net interest margin | 4.5988% | 544 |
| Noninterest income to average assets | 0.4377% | 3,814 |
| Noninterest expense to average assets | 2.6489% | 3,724 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.9958% | 367 |
| Return on assets (ROA) | 1.9958% | 380 |
| Pretax return on assets | 2.1145% | 487 |
| Return on Equity (ROE) | 19.1479% | 327 |
| Retained earnings to average equity (ytd only) | 5.8639% | 2,330 |
| Net charge-offs to loans | 0.2558% | 1,027 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 10.0140% | 2,638 |
| Efficiency ratio | 55.6095% | 5,398 |
| Assets per employee ($millions) | 3.9299% | 4,024 |
| Cash dividends to net income (ytd only)* | 69.3759% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0165% | 4,661 |
| Loan loss allowance to noncurrent loans | 168.4653% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.7598% | 3,004 |
| Noncurrent loans to loans | 0.6034% | 3,507 |
| Net loans and leases to total assets | 83.5227% | 423 |
| Net loans and leases to deposits | 102.7532% | 508 |
| Net loans and leases to core deposits | 121.2904% | 439 |
| Total domestic deposits to total assets | 81.2848% | 4,398 |
| Equity capital to assets | 10.7623% | 3,286 |
| Core capital (leverage) ratio | 10.6056% | 2,919 |
| Tier 1 risk-based capital ratio | 12.6880% | 4,621 |
| Total risk-based capital ratio | 13.7150% | 4,685 |
| Memoranda: | ||
| Average total assets | $449,591,500 | 1,499 |
| Average earning assets | $422,886,500 | 1,477 |
| Average equity | $46,862,000 | 1,584 |
| Average total loans | $371,042,500 | 1,235 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1170% | 486 |
| Cost of funding earning assets | 0.5638% | 1,694 |
| Net interest margin | 4.5532% | 570 |
| Noninterest income to average assets | 0.4085% | 4,021 |
| Noninterest expense to average assets | 2.5687% | 4,007 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.9857% | 371 |
| Return on assets (ROA) | 1.9857% | 389 |
| Pretax return on assets | 2.1186% | 480 |
| Return on Equity (ROE) | 19.2560% | 308 |
| Retained earnings to average equity (ytd only) | 5.7313% | 2,394 |
| Net charge-offs to loans | 0.3039% | 873 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 8.5089% | 2,556 |
| Efficiency ratio | 54.8015% | 5,522 |
| Assets per employee ($millions) | 3.9713% | 3,936 |
| Cash dividends to net income (ytd only)* | 70.2365% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0687% | 4,495 |
| Loan loss allowance to noncurrent loans | 147.9447% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.8197% | 2,924 |
| Noncurrent loans to loans | 0.7224% | 3,317 |
| Net loans and leases to total assets | 80.9514% | 677 |
| Net loans and leases to deposits | 98.8590% | 729 |
| Net loans and leases to core deposits | 115.3923% | 611 |
| Total domestic deposits to total assets | 81.8857% | 4,329 |
| Equity capital to assets | 10.3847% | 3,580 |
| Core capital (leverage) ratio | 10.2877% | 3,232 |
| Tier 1 risk-based capital ratio | 12.7405% | 4,656 |
| Total risk-based capital ratio | 13.8292% | 4,673 |
| Memoranda: | ||
| Average total assets | $451,429,330 | 1,507 |
| Average earning assets | $424,233,330 | 1,485 |
| Average equity | $46,551,670 | 1,607 |
| Average total loans | $369,818,330 | 1,246 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0805% | 498 |
| Cost of funding earning assets | 0.5406% | 1,923 |
| Net interest margin | 4.5399% | 562 |
| Noninterest income to average assets | 0.4073% | 3,943 |
| Noninterest expense to average assets | 2.5272% | 4,182 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.0019% | 336 |
| Return on assets (ROA) | 2.0019% | 354 |
| Pretax return on assets | 2.1350% | 448 |
| Return on Equity (ROE) | 19.4817% | 292 |
| Retained earnings to average equity (ytd only) | 7.0984% | 1,974 |
| Net charge-offs to loans | 0.1656% | 1,284 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 15.7255% | 1,608 |
| Efficiency ratio | 54.2063% | 5,662 |
| Assets per employee ($millions) | 4.0257% | 3,905 |
| Cash dividends to net income (ytd only)* | 63.5638% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1768% | 4,108 |
| Loan loss allowance to noncurrent loans | 372.3785% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.5814% | 3,739 |
| Noncurrent loans to loans | 0.3160% | 4,660 |
| Net loans and leases to total assets | 78.5473% | 860 |
| Net loans and leases to deposits | 95.1541% | 893 |
| Net loans and leases to core deposits | 111.7282% | 670 |
| Total domestic deposits to total assets | 82.5475% | 4,327 |
| Equity capital to assets | 10.0181% | 4,125 |
| Core capital (leverage) ratio | 10.3770% | 3,124 |
| Tier 1 risk-based capital ratio | 12.3605% | 5,003 |
| Total risk-based capital ratio | 13.5389% | 4,966 |
| Memoranda: | ||
| Average total assets | $450,781,500 | 1,517 |
| Average earning assets | $422,475,500 | 1,496 |
| Average equity | $46,320,500 | 1,614 |
| Average total loans | $369,504,500 | 1,243 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4338% | 356 |
| Cost of funding earning assets | 0.5221% | 2,473 |
| Net interest margin | 4.9117% | 348 |
| Noninterest income to average assets | 0.4325% | 3,951 |
| Noninterest expense to average assets | 2.8328% | 3,372 |
| Loan and lease loss provision to assets | 0.2196% | 1,118 |
| Net operating income to assets | 1.8155% | 465 |
| Return on assets (ROA) | 1.8247% | 472 |
| Pretax return on assets | 1.9499% | 560 |
| Return on Equity (ROE) | 17.6210% | 433 |
| Retained earnings to average equity (ytd only) | 3.5744% | 3,680 |
| Net charge-offs to loans | -0.0885% | 6,086 |
| Credit loss provision to net charge-offs | -298.7382% | 5,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7401% | 5,593 |
| Assets per employee ($millions) | 3.7464% | 4,450 |
| Cash dividends to net income (ytd only)* | 79.7153% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2288% | 3,838 |
| Loan loss allowance to noncurrent loans | 276.9608% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.8332% | 3,126 |
| Noncurrent loans to loans | 0.4437% | 4,312 |
| Net loans and leases to total assets | 83.6021% | 373 |
| Net loans and leases to deposits | 102.6937% | 485 |
| Net loans and leases to core deposits | 119.4481% | 425 |
| Total domestic deposits to total assets | 81.4092% | 4,625 |
| Equity capital to assets | 10.5523% | 3,415 |
| Core capital (leverage) ratio | 10.4717% | 2,980 |
| Tier 1 risk-based capital ratio | 12.4428% | 5,069 |
| Total risk-based capital ratio | 13.6930% | 4,990 |
| Memoranda: | ||
| Average total assets | $431,193,200 | 1,544 |
| Average earning assets | $400,330,400 | 1,528 |
| Average equity | $44,651,200 | 1,618 |
| Average total loans | $358,022,600 | 1,237 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4202% | 362 |
| Cost of funding earning assets | 0.5196% | 2,570 |
| Net interest margin | 4.9006% | 345 |
| Noninterest income to average assets | 0.4613% | 3,804 |
| Noninterest expense to average assets | 2.7593% | 3,610 |
| Loan and lease loss provision to assets | 0.2934% | 676 |
| Net operating income to assets | 1.8303% | 485 |
| Return on assets (ROA) | 1.8332% | 493 |
| Pretax return on assets | 1.9587% | 628 |
| Return on Equity (ROE) | 17.7887% | 462 |
| Retained earnings to average equity (ytd only) | 3.7670% | 3,974 |
| Net charge-offs to loans | 0.0105% | 4,371 |
| Credit loss provision to net charge-offs | 3,382.1429% | 110 |
| Earnings coverage of net charge-offs (x) | 259.2665% | 259 |
| Efficiency ratio | 55.0943% | 5,734 |
| Assets per employee ($millions) | 3.9103% | 4,064 |
| Cash dividends to net income (ytd only)* | 78.8237% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1543% | 4,476 |
| Loan loss allowance to noncurrent loans | 295.4706% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.6372% | 3,924 |
| Noncurrent loans to loans | 0.3907% | 4,742 |
| Net loans and leases to total assets | 83.1172% | 390 |
| Net loans and leases to deposits | 102.0806% | 497 |
| Net loans and leases to core deposits | 116.9690% | 467 |
| Total domestic deposits to total assets | 81.4231% | 4,688 |
| Equity capital to assets | 10.5290% | 3,520 |
| Core capital (leverage) ratio | 10.5129% | 3,027 |
| Tier 1 risk-based capital ratio | 12.5042% | 5,167 |
| Total risk-based capital ratio | 13.6734% | 5,140 |
| Memoranda: | ||
| Average total assets | $430,345,000 | 1,554 |
| Average earning assets | $399,290,000 | 1,544 |
| Average equity | $44,349,250 | 1,630 |
| Average total loans | $355,567,500 | 1,251 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3884% | 382 |
| Cost of funding earning assets | 0.5114% | 2,717 |
| Net interest margin | 4.8770% | 358 |
| Noninterest income to average assets | 0.4447% | 3,903 |
| Noninterest expense to average assets | 2.7039% | 3,848 |
| Loan and lease loss provision to assets | 0.3806% | 451 |
| Net operating income to assets | 1.7684% | 517 |
| Return on assets (ROA) | 1.7727% | 535 |
| Pretax return on assets | 1.8982% | 689 |
| Return on Equity (ROE) | 17.3267% | 517 |
| Retained earnings to average equity (ytd only) | 3.2383% | 4,143 |
| Net charge-offs to loans | -0.0685% | 6,010 |
| Credit loss provision to net charge-offs | -676.8595% | 5,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3172% | 5,887 |
| Assets per employee ($millions) | 3.8900% | 4,084 |
| Cash dividends to net income (ytd only)* | 81.3106% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1850% | 4,495 |
| Loan loss allowance to noncurrent loans | 458.5792% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.5777% | 4,254 |
| Noncurrent loans to loans | 0.2584% | 5,241 |
| Net loans and leases to total assets | 80.3131% | 650 |
| Net loans and leases to deposits | 98.1460% | 654 |
| Net loans and leases to core deposits | 112.1370% | 593 |
| Total domestic deposits to total assets | 81.8303% | 4,706 |
| Equity capital to assets | 10.2614% | 3,746 |
| Core capital (leverage) ratio | 10.4835% | 2,969 |
| Tier 1 risk-based capital ratio | 12.5236% | 5,215 |
| Total risk-based capital ratio | 13.7149% | 5,170 |
| Memoranda: | ||
| Average total assets | $430,414,670 | 1,558 |
| Average earning assets | $400,082,000 | 1,529 |
| Average equity | $44,036,000 | 1,627 |
| Average total loans | $353,526,000 | 1,244 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3606% | 375 |
| Cost of funding earning assets | 0.5022% | 2,883 |
| Net interest margin | 4.8584% | 345 |
| Noninterest income to average assets | 0.4357% | 3,901 |
| Noninterest expense to average assets | 2.6733% | 4,023 |
| Loan and lease loss provision to assets | 0.2805% | 724 |
| Net operating income to assets | 1.9210% | 383 |
| Return on assets (ROA) | 1.9300% | 395 |
| Pretax return on assets | 2.0141% | 516 |
| Return on Equity (ROE) | 18.8922% | 373 |
| Retained earnings to average equity (ytd only) | 5.2173% | 2,985 |
| Net charge-offs to loans | -0.1619% | 6,315 |
| Credit loss provision to net charge-offs | -209.7902% | 4,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9129% | 6,015 |
| Assets per employee ($millions) | 3.8264% | 4,275 |
| Cash dividends to net income (ytd only)* | 72.3837% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0495% | 5,319 |
| Loan loss allowance to noncurrent loans | 562.1581% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.5768% | 4,418 |
| Noncurrent loans to loans | 0.1867% | 5,536 |
| Net loans and leases to total assets | 81.3772% | 412 |
| Net loans and leases to deposits | 99.6910% | 448 |
| Net loans and leases to core deposits | 113.2211% | 487 |
| Total domestic deposits to total assets | 81.6294% | 5,046 |
| Equity capital to assets | 10.3121% | 3,452 |
| Core capital (leverage) ratio | 10.3473% | 3,118 |
| Tier 1 risk-based capital ratio | 12.6107% | 5,247 |
| Total risk-based capital ratio | 13.6716% | 5,295 |
| Memoranda: | ||
| Average total assets | $427,781,500 | 1,571 |
| Average earning assets | $398,242,000 | 1,545 |
| Average equity | $43,700,500 | 1,624 |
| Average total loans | $353,236,500 | 1,245 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6193% | 304 |
| Cost of funding earning assets | 0.5342% | 3,253 |
| Net interest margin | 5.0851% | 266 |
| Noninterest income to average assets | 0.5390% | 3,487 |
| Noninterest expense to average assets | 2.7877% | 3,770 |
| Loan and lease loss provision to assets | 0.5241% | 525 |
| Net operating income to assets | 1.8747% | 420 |
| Return on assets (ROA) | 1.8695% | 432 |
| Pretax return on assets | 1.9752% | 514 |
| Return on Equity (ROE) | 17.9599% | 410 |
| Retained earnings to average equity (ytd only) | 3.6871% | 3,594 |
| Net charge-offs to loans | 0.6922% | 940 |
| Credit loss provision to net charge-offs | 90.4229% | 2,743 |
| Earnings coverage of net charge-offs (x) | 4.3213% | 3,600 |
| Efficiency ratio | 52.6722% | 6,235 |
| Assets per employee ($millions) | 3.9538% | 3,959 |
| Cash dividends to net income (ytd only)* | 79.4704% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9197% | 5,861 |
| Loan loss allowance to noncurrent loans | 531.1582% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.6257% | 4,359 |
| Noncurrent loans to loans | 0.1732% | 5,683 |
| Net loans and leases to total assets | 82.1465% | 406 |
| Net loans and leases to deposits | 100.2862% | 464 |
| Net loans and leases to core deposits | 114.6381% | 453 |
| Total domestic deposits to total assets | 81.9120% | 4,905 |
| Equity capital to assets | 10.1188% | 3,605 |
| Core capital (leverage) ratio | 10.2990% | 3,151 |
| Tier 1 risk-based capital ratio | 12.3888% | 5,364 |
| Total risk-based capital ratio | 13.3182% | 5,514 |
| Memoranda: | ||
| Average total assets | $416,110,400 | 1,585 |
| Average earning assets | $388,982,600 | 1,557 |
| Average equity | $43,313,200 | 1,618 |
| Average total loans | $348,441,200 | 1,227 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6212% | 311 |
| Cost of funding earning assets | 0.5436% | 3,335 |
| Net interest margin | 5.0775% | 274 |
| Noninterest income to average assets | 0.5660% | 3,360 |
| Noninterest expense to average assets | 2.7160% | 3,963 |
| Loan and lease loss provision to assets | 0.6712% | 325 |
| Net operating income to assets | 1.8218% | 501 |
| Return on assets (ROA) | 1.8133% | 530 |
| Pretax return on assets | 1.9294% | 676 |
| Return on Equity (ROE) | 17.2956% | 511 |
| Retained earnings to average equity (ytd only) | 7.8694% | 1,471 |
| Net charge-offs to loans | 0.5648% | 1,118 |
| Credit loss provision to net charge-offs | 141.5646% | 1,657 |
| Earnings coverage of net charge-offs (x) | 5.5041% | 3,176 |
| Efficiency ratio | 50.9993% | 6,332 |
| Assets per employee ($millions) | 3.7406% | 4,367 |
| Cash dividends to net income (ytd only)* | 54.5002% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1491% | 5,122 |
| Loan loss allowance to noncurrent loans | 200.1954% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.9579% | 3,751 |
| Noncurrent loans to loans | 0.5740% | 4,768 |
| Net loans and leases to total assets | 84.1495% | 236 |
| Net loans and leases to deposits | 103.1060% | 327 |
| Net loans and leases to core deposits | 117.4581% | 364 |
| Total domestic deposits to total assets | 81.6145% | 5,051 |
| Equity capital to assets | 10.5868% | 3,178 |
| Core capital (leverage) ratio | 10.7677% | 2,704 |
| Tier 1 risk-based capital ratio | 12.5510% | 5,427 |
| Total risk-based capital ratio | 13.7104% | 5,417 |
| Memoranda: | ||
| Average total assets | $413,386,000 | 1,603 |
| Average earning assets | $387,502,500 | 1,568 |
| Average equity | $43,339,500 | 1,627 |
| Average total loans | $347,044,500 | 1,228 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5881% | 327 |
| Cost of funding earning assets | 0.5475% | 3,446 |
| Net interest margin | 5.0406% | 289 |
| Noninterest income to average assets | 0.5953% | 3,225 |
| Noninterest expense to average assets | 2.6890% | 4,071 |
| Loan and lease loss provision to assets | 0.9020% | 213 |
| Net operating income to assets | 1.6202% | 721 |
| Return on assets (ROA) | 1.6057% | 811 |
| Pretax return on assets | 1.7223% | 1,064 |
| Return on Equity (ROE) | 15.3668% | 751 |
| Retained earnings to average equity (ytd only) | 6.3625% | 2,223 |
| Net charge-offs to loans | 0.7759% | 818 |
| Credit loss provision to net charge-offs | 139.1304% | 1,628 |
| Earnings coverage of net charge-offs (x) | 4.0720% | 3,219 |
| Efficiency ratio | 50.4606% | 6,394 |
| Assets per employee ($millions) | 3.6731% | 4,465 |
| Cash dividends to net income (ytd only)* | 58.5956% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1513% | 5,235 |
| Loan loss allowance to noncurrent loans | 202.0665% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.9899% | 3,784 |
| Noncurrent loans to loans | 0.5698% | 4,835 |
| Net loans and leases to total assets | 84.4222% | 213 |
| Net loans and leases to deposits | 103.4093% | 285 |
| Net loans and leases to core deposits | 118.3036% | 343 |
| Total domestic deposits to total assets | 81.6389% | 5,164 |
| Equity capital to assets | 10.5314% | 3,259 |
| Core capital (leverage) ratio | 10.5239% | 2,852 |
| Tier 1 risk-based capital ratio | 12.5403% | 5,471 |
| Total risk-based capital ratio | 13.7048% | 5,475 |
| Memoranda: | ||
| Average total assets | $411,533,000 | 1,614 |
| Average earning assets | $386,465,000 | 1,570 |
| Average equity | $43,001,670 | 1,637 |
| Average total loans | $343,846,670 | 1,230 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4838% | 380 |
| Cost of funding earning assets | 0.5664% | 3,411 |
| Net interest margin | 4.9174% | 327 |
| Noninterest income to average assets | 0.3725% | 4,690 |
| Noninterest expense to average assets | 2.4642% | 4,893 |
| Loan and lease loss provision to assets | 0.9539% | 192 |
| Net operating income to assets | 1.4555% | 946 |
| Return on assets (ROA) | 1.4270% | 1,069 |
| Pretax return on assets | 1.5431% | 1,444 |
| Return on Equity (ROE) | 13.7102% | 1,013 |
| Retained earnings to average equity (ytd only) | 4.6568% | 3,441 |
| Net charge-offs to loans | 1.0736% | 559 |
| Credit loss provision to net charge-offs | 107.5245% | 1,720 |
| Earnings coverage of net charge-offs (x) | 2.8495% | 2,922 |
| Efficiency ratio | 49.3605% | 6,539 |
| Assets per employee ($millions) | 3.7473% | 4,455 |
| Cash dividends to net income (ytd only)* | 66.0339% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0348% | 5,856 |
| Loan loss allowance to noncurrent loans | 441.1911% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.8806% | 4,183 |
| Noncurrent loans to loans | 0.2345% | 5,829 |
| Net loans and leases to total assets | 81.0324% | 348 |
| Net loans and leases to deposits | 98.7207% | 409 |
| Net loans and leases to core deposits | 112.6802% | 420 |
| Total domestic deposits to total assets | 82.0825% | 5,166 |
| Equity capital to assets | 10.2899% | 3,808 |
| Core capital (leverage) ratio | 10.2972% | 3,018 |
| Tier 1 risk-based capital ratio | 12.4410% | 5,616 |
| Total risk-based capital ratio | 13.4867% | 5,724 |
| Memoranda: | ||
| Average total assets | $413,442,000 | 1,624 |
| Average earning assets | $388,415,000 | 1,575 |
| Average equity | $43,033,500 | 1,656 |
| Average total loans | $341,664,500 | 1,243 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7564% | 394 |
| Cost of funding earning assets | 0.6891% | 3,579 |
| Net interest margin | 5.0673% | 337 |
| Noninterest income to average assets | 0.0473% | 6,701 |
| Noninterest expense to average assets | 2.5681% | 4,869 |
| Loan and lease loss provision to assets | 0.2894% | 2,353 |
| Net operating income to assets | 1.7726% | 538 |
| Return on assets (ROA) | 1.7819% | 590 |
| Pretax return on assets | 1.8890% | 767 |
| Return on Equity (ROE) | 16.8622% | 553 |
| Retained earnings to average equity (ytd only) | 3.6783% | 3,632 |
| Net charge-offs to loans | 0.5076% | 2,214 |
| Credit loss provision to net charge-offs | 70.6554% | 4,136 |
| Earnings coverage of net charge-offs (x) | 5.2940% | 3,075 |
| Efficiency ratio | 54.2174% | 6,245 |
| Assets per employee ($millions) | 3.8414% | 4,287 |
| Cash dividends to net income (ytd only)* | 78.1863% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0265% | 5,874 |
| Loan loss allowance to noncurrent loans | 202.3796% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 1.1110% | 3,795 |
| Noncurrent loans to loans | 0.5072% | 5,266 |
| Net loans and leases to total assets | 82.5653% | 294 |
| Net loans and leases to deposits | 101.8649% | 329 |
| Net loans and leases to core deposits | 115.7030% | 367 |
| Total domestic deposits to total assets | 81.0538% | 5,387 |
| Equity capital to assets | 10.5310% | 3,490 |
| Core capital (leverage) ratio | 10.1477% | 3,204 |
| Tier 1 risk-based capital ratio | 12.5048% | 5,475 |
| Total risk-based capital ratio | 13.5479% | 5,555 |
| Memoranda: | ||
| Average total assets | $405,981,000 | 1,615 |
| Average earning assets | $375,702,600 | 1,593 |
| Average equity | $42,900,800 | 1,620 |
| Average total loans | $327,623,400 | 1,286 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7362% | 433 |
| Cost of funding earning assets | 0.7233% | 3,568 |
| Net interest margin | 5.0129% | 395 |
| Noninterest income to average assets | 0.4420% | 4,350 |
| Noninterest expense to average assets | 2.5041% | 5,064 |
| Loan and lease loss provision to assets | 0.3204% | 2,061 |
| Net operating income to assets | 2.1467% | 313 |
| Return on assets (ROA) | 2.1593% | 342 |
| Pretax return on assets | 2.2480% | 441 |
| Return on Equity (ROE) | 20.4163% | 314 |
| Retained earnings to average equity (ytd only) | 11.3828% | 634 |
| Net charge-offs to loans | 0.3918% | 2,528 |
| Credit loss provision to net charge-offs | 102.2013% | 2,877 |
| Earnings coverage of net charge-offs (x) | 8.1499% | 2,498 |
| Efficiency ratio | 49.4933% | 6,625 |
| Assets per employee ($millions) | 4.1279% | 3,630 |
| Cash dividends to net income (ytd only)* | 44.2465% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1791% | 5,378 |
| Loan loss allowance to noncurrent loans | 346.2738% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 1.6319% | 3,142 |
| Noncurrent loans to loans | 0.3405% | 5,794 |
| Net loans and leases to total assets | 79.5412% | 550 |
| Net loans and leases to deposits | 98.0083% | 540 |
| Net loans and leases to core deposits | 108.9139% | 611 |
| Total domestic deposits to total assets | 81.1577% | 5,313 |
| Equity capital to assets | 10.7021% | 3,605 |
| Core capital (leverage) ratio | 10.7964% | 2,606 |
| Tier 1 risk-based capital ratio | 12.9174% | 5,320 |
| Total risk-based capital ratio | 14.0935% | 5,342 |
| Memoranda: | ||
| Average total assets | $405,679,000 | 1,623 |
| Average earning assets | $373,665,500 | 1,613 |
| Average equity | $42,905,750 | 1,638 |
| Average total loans | $324,608,250 | 1,310 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6670% | 513 |
| Cost of funding earning assets | 0.7631% | 3,491 |
| Net interest margin | 4.9039% | 468 |
| Noninterest income to average assets | 0.4334% | 4,411 |
| Noninterest expense to average assets | 2.4621% | 5,257 |
| Loan and lease loss provision to assets | 0.3994% | 1,644 |
| Net operating income to assets | 2.0287% | 377 |
| Return on assets (ROA) | 2.0287% | 425 |
| Pretax return on assets | 2.1186% | 564 |
| Return on Equity (ROE) | 19.2617% | 398 |
| Retained earnings to average equity (ytd only) | 10.6572% | 815 |
| Net charge-offs to loans | 0.5134% | 2,044 |
| Credit loss provision to net charge-offs | 97.4421% | 2,843 |
| Earnings coverage of net charge-offs (x) | 6.1425% | 2,688 |
| Efficiency ratio | 49.4385% | 6,680 |
| Assets per employee ($millions) | 4.2650% | 3,331 |
| Cash dividends to net income (ytd only)* | 44.6714% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2088% | 5,316 |
| Loan loss allowance to noncurrent loans | 254.7680% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 1.6367% | 3,271 |
| Noncurrent loans to loans | 0.4745% | 5,582 |
| Net loans and leases to total assets | 78.1126% | 705 |
| Net loans and leases to deposits | 94.1090% | 761 |
| Net loans and leases to core deposits | 104.5775% | 821 |
| Total domestic deposits to total assets | 83.0023% | 4,753 |
| Equity capital to assets | 10.5055% | 3,685 |
| Core capital (leverage) ratio | 10.8567% | 2,430 |
| Tier 1 risk-based capital ratio | 12.9985% | 5,191 |
| Total risk-based capital ratio | 14.2085% | 5,188 |
| Memoranda: | ||
| Average total assets | $400,556,330 | 1,649 |
| Average earning assets | $371,377,330 | 1,632 |
| Average equity | $42,187,330 | 1,653 |
| Average total loans | $319,843,670 | 1,326 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6045% | 620 |
| Cost of funding earning assets | 0.8214% | 3,297 |
| Net interest margin | 4.7831% | 585 |
| Noninterest income to average assets | 0.3929% | 4,723 |
| Noninterest expense to average assets | 2.4225% | 5,398 |
| Loan and lease loss provision to assets | 0.4061% | 1,555 |
| Net operating income to assets | 1.9189% | 482 |
| Return on assets (ROA) | 1.9189% | 551 |
| Pretax return on assets | 2.0103% | 724 |
| Return on Equity (ROE) | 18.1949% | 529 |
| Retained earnings to average equity (ytd only) | 10.4260% | 1,172 |
| Net charge-offs to loans | 0.9222% | 1,114 |
| Credit loss provision to net charge-offs | 54.8697% | 3,201 |
| Earnings coverage of net charge-offs (x) | 3.2647% | 2,898 |
| Efficiency ratio | 50.0629% | 6,672 |
| Assets per employee ($millions) | 3.9558% | 4,103 |
| Cash dividends to net income (ytd only)* | 42.6984% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1397% | 5,756 |
| Loan loss allowance to noncurrent loans | 217.8017% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 1.8623% | 3,104 |
| Noncurrent loans to loans | 0.5233% | 5,619 |
| Net loans and leases to total assets | 79.9460% | 408 |
| Net loans and leases to deposits | 98.2799% | 432 |
| Net loans and leases to core deposits | 108.5825% | 588 |
| Total domestic deposits to total assets | 81.3452% | 5,513 |
| Equity capital to assets | 10.6651% | 3,304 |
| Core capital (leverage) ratio | 10.5393% | 2,706 |
| Tier 1 risk-based capital ratio | 12.9090% | 5,275 |
| Total risk-based capital ratio | 14.0484% | 5,346 |
| Memoranda: | ||
| Average total assets | $393,980,000 | 1,688 |
| Average earning assets | $366,203,000 | 1,654 |
| Average equity | $41,550,000 | 1,674 |
| Average total loans | $316,209,000 | 1,343 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7946% | 652 |
| Cost of funding earning assets | 1.0498% | 3,018 |
| Net interest margin | 4.7448% | 693 |
| Noninterest income to average assets | 0.3883% | 4,721 |
| Noninterest expense to average assets | 2.4100% | 5,746 |
| Loan and lease loss provision to assets | 1.2850% | 641 |
| Net operating income to assets | 1.0661% | 1,933 |
| Return on assets (ROA) | 1.0951% | 1,966 |
| Pretax return on assets | 1.1212% | 2,757 |
| Return on Equity (ROE) | 11.9245% | 1,425 |
| Retained earnings to average equity (ytd only) | 4.8376% | 2,760 |
| Net charge-offs to loans | 1.7133% | 885 |
| Credit loss provision to net charge-offs | 93.3431% | 3,861 |
| Earnings coverage of net charge-offs (x) | 1.7264% | 4,483 |
| Efficiency ratio | 50.3491% | 6,811 |
| Assets per employee ($millions) | 4.0873% | 3,673 |
| Cash dividends to net income (ytd only)* | 59.4313% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2719% | 5,053 |
| Loan loss allowance to noncurrent loans | 384.0580% | 866 |
| Noncurrent assets plus other real estate owned to assets | 1.6469% | 3,484 |
| Noncurrent loans to loans | 0.3312% | 6,065 |
| Net loans and leases to total assets | 78.6347% | 642 |
| Net loans and leases to deposits | 96.5377% | 652 |
| Net loans and leases to core deposits | 108.0513% | 696 |
| Total domestic deposits to total assets | 81.4549% | 5,310 |
| Equity capital to assets | 10.4264% | 3,616 |
| Core capital (leverage) ratio | 10.2364% | 3,049 |
| Tier 1 risk-based capital ratio | 12.8834% | 5,168 |
| Total risk-based capital ratio | 14.1338% | 5,141 |
| Memoranda: | ||
| Average total assets | $395,014,400 | 1,642 |
| Average earning assets | $366,169,800 | 1,615 |
| Average equity | $36,278,400 | 1,870 |
| Average total loans | $317,402,600 | 1,339 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7658% | 753 |
| Cost of funding earning assets | 1.0986% | 2,987 |
| Net interest margin | 4.6672% | 819 |
| Noninterest income to average assets | 0.5486% | 3,522 |
| Noninterest expense to average assets | 2.4009% | 5,762 |
| Loan and lease loss provision to assets | 1.1625% | 683 |
| Net operating income to assets | 1.2283% | 1,581 |
| Return on assets (ROA) | 1.2653% | 1,577 |
| Pretax return on assets | 1.3479% | 2,121 |
| Return on Equity (ROE) | 14.2554% | 988 |
| Retained earnings to average equity (ytd only) | 6.1046% | 2,498 |
| Net charge-offs to loans | 1.6303% | 860 |
| Credit loss provision to net charge-offs | 88.5524% | 3,818 |
| Earnings coverage of net charge-offs (x) | 1.8822% | 4,251 |
| Efficiency ratio | 49.2807% | 6,865 |
| Assets per employee ($millions) | 4.1150% | 3,610 |
| Cash dividends to net income (ytd only)* | 57.1772% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2059% | 5,435 |
| Loan loss allowance to noncurrent loans | 96.5269% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 2.5849% | 2,495 |
| Noncurrent loans to loans | 1.2493% | 4,451 |
| Net loans and leases to total assets | 81.5441% | 393 |
| Net loans and leases to deposits | 100.1596% | 469 |
| Net loans and leases to core deposits | 112.3587% | 596 |
| Total domestic deposits to total assets | 81.4141% | 5,289 |
| Equity capital to assets | 10.4085% | 3,819 |
| Core capital (leverage) ratio | 10.0949% | 3,314 |
| Tier 1 risk-based capital ratio | 12.3985% | 5,582 |
| Total risk-based capital ratio | 13.6022% | 5,605 |
| Memoranda: | ||
| Average total assets | $395,673,250 | 1,650 |
| Average earning assets | $366,518,250 | 1,621 |
| Average equity | $35,120,250 | 1,924 |
| Average total loans | $318,623,000 | 1,349 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6595% | 945 |
| Cost of funding earning assets | 1.1429% | 2,943 |
| Net interest margin | 4.5167% | 1,095 |
| Noninterest income to average assets | 0.4586% | 4,212 |
| Noninterest expense to average assets | 2.3995% | 5,847 |
| Loan and lease loss provision to assets | 1.3090% | 567 |
| Net operating income to assets | 0.8340% | 2,928 |
| Return on assets (ROA) | 0.8609% | 2,909 |
| Pretax return on assets | 0.9666% | 3,373 |
| Return on Equity (ROE) | 10.2814% | 2,019 |
| Retained earnings to average equity (ytd only) | -0.0842% | 5,855 |
| Net charge-offs to loans | 0.7962% | 1,910 |
| Credit loss provision to net charge-offs | 205.8591% | 1,465 |
| Earnings coverage of net charge-offs (x) | 3.5313% | 3,144 |
| Efficiency ratio | 51.6584% | 6,815 |
| Assets per employee ($millions) | 4.3331% | 3,114 |
| Cash dividends to net income (ytd only)* | 100.8187% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7885% | 3,032 |
| Loan loss allowance to noncurrent loans | 97.6928% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 2.9908% | 2,240 |
| Noncurrent loans to loans | 1.8307% | 3,711 |
| Net loans and leases to total assets | 74.9027% | 1,253 |
| Net loans and leases to deposits | 90.3512% | 1,233 |
| Net loans and leases to core deposits | 102.3251% | 1,157 |
| Total domestic deposits to total assets | 82.9017% | 4,796 |
| Equity capital to assets | 8.0533% | 6,640 |
| Core capital (leverage) ratio | 8.5097% | 5,541 |
| Tier 1 risk-based capital ratio | 10.2512% | 6,894 |
| Total risk-based capital ratio | 11.5075% | 6,886 |
| Memoranda: | ||
| Average total assets | $397,257,330 | 1,651 |
| Average earning assets | $368,193,000 | 1,629 |
| Average equity | $33,264,000 | 1,991 |
| Average total loans | $317,276,000 | 1,364 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6621% | 953 |
| Cost of funding earning assets | 1.2151% | 2,717 |
| Net interest margin | 4.4470% | 1,181 |
| Noninterest income to average assets | 0.4867% | 4,000 |
| Noninterest expense to average assets | 2.4006% | 5,882 |
| Loan and lease loss provision to assets | 0.4640% | 1,900 |
| Net operating income to assets | 1.6386% | 634 |
| Return on assets (ROA) | 1.6386% | 673 |
| Pretax return on assets | 1.7469% | 900 |
| Return on Equity (ROE) | 19.1758% | 388 |
| Retained earnings to average equity (ytd only) | 6.9631% | 2,165 |
| Net charge-offs to loans | -0.0996% | 7,088 |
| Credit loss provision to net charge-offs | -569.6203% | 5,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0572% | 6,849 |
| Assets per employee ($millions) | 4.1698% | 3,501 |
| Cash dividends to net income (ytd only)* | 63.6879% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5300% | 4,050 |
| Loan loss allowance to noncurrent loans | 47.2611% | 5,157 |
| Noncurrent assets plus other real estate owned to assets | 3.4232% | 1,990 |
| Noncurrent loans to loans | 3.2374% | 2,323 |
| Net loans and leases to total assets | 80.7564% | 449 |
| Net loans and leases to deposits | 98.9782% | 525 |
| Net loans and leases to core deposits | 112.5919% | 640 |
| Total domestic deposits to total assets | 81.5901% | 5,461 |
| Equity capital to assets | 8.6561% | 5,707 |
| Core capital (leverage) ratio | 8.7936% | 4,943 |
| Tier 1 risk-based capital ratio | 10.7172% | 6,679 |
| Total risk-based capital ratio | 11.9708% | 6,660 |
| Memoranda: | ||
| Average total assets | $387,897,500 | 1,701 |
| Average earning assets | $359,796,000 | 1,671 |
| Average equity | $33,146,000 | 1,985 |
| Average total loans | $317,288,000 | 1,375 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9789% | 880 |
| Cost of funding earning assets | 1.4754% | 2,785 |
| Net interest margin | 4.5035% | 1,219 |
| Noninterest income to average assets | 0.4289% | 4,683 |
| Noninterest expense to average assets | 2.6223% | 5,327 |
| Loan and lease loss provision to assets | 0.5184% | 3,081 |
| Net operating income to assets | 1.2938% | 1,189 |
| Return on assets (ROA) | 1.3577% | 1,106 |
| Pretax return on assets | 1.4565% | 1,492 |
| Return on Equity (ROE) | 16.7867% | 497 |
| Retained earnings to average equity (ytd only) | 7.2024% | 1,235 |
| Net charge-offs to loans | 0.3451% | 4,286 |
| Credit loss provision to net charge-offs | 187.4768% | 1,737 |
| Earnings coverage of net charge-offs (x) | 6.8933% | 2,247 |
| Efficiency ratio | 52.2431% | 6,975 |
| Assets per employee ($millions) | 4.3111% | 3,179 |
| Cash dividends to net income (ytd only)* | 57.0943% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3701% | 4,658 |
| Loan loss allowance to noncurrent loans | 94.9639% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 1.9902% | 3,358 |
| Noncurrent loans to loans | 1.4428% | 4,321 |
| Net loans and leases to total assets | 80.4649% | 601 |
| Net loans and leases to deposits | 98.4548% | 682 |
| Net loans and leases to core deposits | 114.7776% | 686 |
| Total domestic deposits to total assets | 81.7278% | 5,277 |
| Equity capital to assets | 8.4340% | 5,944 |
| Core capital (leverage) ratio | 8.5079% | 5,347 |
| Tier 1 risk-based capital ratio | 10.4756% | 6,717 |
| Total risk-based capital ratio | 11.7268% | 6,691 |
| Memoranda: | ||
| Average total assets | $389,842,200 | 1,689 |
| Average earning assets | $354,880,800 | 1,694 |
| Average equity | $31,531,000 | 2,080 |
| Average total loans | $312,363,200 | 1,436 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9621% | 1,005 |
| Cost of funding earning assets | 1.5114% | 2,904 |
| Net interest margin | 4.4508% | 1,371 |
| Noninterest income to average assets | 0.5363% | 3,899 |
| Noninterest expense to average assets | 2.2963% | 6,339 |
| Loan and lease loss provision to assets | 0.6320% | 2,411 |
| Net operating income to assets | 1.5386% | 849 |
| Return on assets (ROA) | 1.5871% | 834 |
| Pretax return on assets | 1.6947% | 1,120 |
| Return on Equity (ROE) | 19.8334% | 317 |
| Retained earnings to average equity (ytd only) | 10.0618% | 779 |
| Net charge-offs to loans | 0.3790% | 3,781 |
| Credit loss provision to net charge-offs | 209.0395% | 1,686 |
| Earnings coverage of net charge-offs (x) | 7.5254% | 2,311 |
| Efficiency ratio | 50.2317% | 7,133 |
| Assets per employee ($millions) | 4.5158% | 2,881 |
| Cash dividends to net income (ytd only)* | 49.2681% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3493% | 4,712 |
| Loan loss allowance to noncurrent loans | 331.9878% | 894 |
| Noncurrent assets plus other real estate owned to assets | 1.1693% | 4,783 |
| Noncurrent loans to loans | 0.4064% | 6,388 |
| Net loans and leases to total assets | 81.1198% | 606 |
| Net loans and leases to deposits | 99.0881% | 717 |
| Net loans and leases to core deposits | 114.7040% | 807 |
| Total domestic deposits to total assets | 81.8663% | 5,050 |
| Equity capital to assets | 8.3554% | 6,445 |
| Core capital (leverage) ratio | 8.3065% | 5,862 |
| Tier 1 risk-based capital ratio | 9.8284% | 7,147 |
| Total risk-based capital ratio | 11.0797% | 7,136 |
| Memoranda: | ||
| Average total assets | $390,303,000 | 1,712 |
| Average earning assets | $353,845,750 | 1,714 |
| Average equity | $31,232,750 | 2,114 |
| Average total loans | $311,319,000 | 1,462 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8888% | 1,212 |
| Cost of funding earning assets | 1.5602% | 2,905 |
| Net interest margin | 4.3287% | 1,677 |
| Noninterest income to average assets | 0.4966% | 4,145 |
| Noninterest expense to average assets | 2.3130% | 6,320 |
| Loan and lease loss provision to assets | 0.8474% | 1,718 |
| Net operating income to assets | 1.1574% | 1,680 |
| Return on assets (ROA) | 1.2145% | 1,589 |
| Pretax return on assets | 1.3224% | 2,021 |
| Return on Equity (ROE) | 15.4063% | 782 |
| Retained earnings to average equity (ytd only) | 7.1983% | 1,754 |
| Net charge-offs to loans | 0.5003% | 3,038 |
| Credit loss provision to net charge-offs | 214.5644% | 1,815 |
| Earnings coverage of net charge-offs (x) | 5.3368% | 2,693 |
| Efficiency ratio | 52.3234% | 7,036 |
| Assets per employee ($millions) | 4.6142% | 2,704 |
| Cash dividends to net income (ytd only)* | 53.2770% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3787% | 4,533 |
| Loan loss allowance to noncurrent loans | 261.6279% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 1.1716% | 4,797 |
| Noncurrent loans to loans | 0.5270% | 6,203 |
| Net loans and leases to total assets | 77.0631% | 1,282 |
| Net loans and leases to deposits | 93.6157% | 1,323 |
| Net loans and leases to core deposits | 106.7054% | 1,391 |
| Total domestic deposits to total assets | 82.3186% | 4,861 |
| Equity capital to assets | 7.8964% | 6,851 |
| Core capital (leverage) ratio | 8.1175% | 6,088 |
| Tier 1 risk-based capital ratio | 9.8409% | 7,106 |
| Total risk-based capital ratio | 11.0928% | 7,089 |
| Memoranda: | ||
| Average total assets | $389,447,000 | 1,731 |
| Average earning assets | $353,040,670 | 1,732 |
| Average equity | $30,701,670 | 2,147 |
| Average total loans | $307,407,000 | 1,492 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8676% | 1,279 |
| Cost of funding earning assets | 1.7542% | 2,109 |
| Net interest margin | 4.1134% | 2,383 |
| Noninterest income to average assets | 0.4500% | 4,464 |
| Noninterest expense to average assets | 2.3248% | 6,318 |
| Loan and lease loss provision to assets | 1.0888% | 1,130 |
| Net operating income to assets | 0.6652% | 3,588 |
| Return on assets (ROA) | 0.7756% | 3,190 |
| Pretax return on assets | 0.8845% | 3,523 |
| Return on Equity (ROE) | 9.8470% | 2,153 |
| Retained earnings to average equity (ytd only) | 7.0693% | 2,106 |
| Net charge-offs to loans | 0.9004% | 1,769 |
| Credit loss provision to net charge-offs | 152.3948% | 2,349 |
| Earnings coverage of net charge-offs (x) | 2.5864% | 3,241 |
| Efficiency ratio | 55.7157% | 6,807 |
| Assets per employee ($millions) | 4.5223% | 2,916 |
| Cash dividends to net income (ytd only)* | 28.2086% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 5,371 |
| Loan loss allowance to noncurrent loans | 471.1418% | 680 |
| Noncurrent assets plus other real estate owned to assets | 1.0092% | 5,134 |
| Noncurrent loans to loans | 0.2598% | 6,808 |
| Net loans and leases to total assets | 75.2944% | 1,684 |
| Net loans and leases to deposits | 89.5733% | 1,971 |
| Net loans and leases to core deposits | 104.3008% | 1,715 |
| Total domestic deposits to total assets | 84.0590% | 4,118 |
| Equity capital to assets | 7.5881% | 7,002 |
| Core capital (leverage) ratio | 7.9439% | 6,319 |
| Tier 1 risk-based capital ratio | 9.6912% | 7,215 |
| Total risk-based capital ratio | 10.9275% | 7,211 |
| Memoranda: | ||
| Average total assets | $385,758,500 | 1,791 |
| Average earning assets | $349,102,000 | 1,789 |
| Average equity | $30,385,000 | 2,197 |
| Average total loans | $306,070,500 | 1,542 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1210% | 1,461 |
| Cost of funding earning assets | 2.2923% | 1,691 |
| Net interest margin | 3.8286% | 3,586 |
| Noninterest income to average assets | 0.3883% | 5,308 |
| Noninterest expense to average assets | 2.3312% | 6,656 |
| Loan and lease loss provision to assets | 0.7736% | 2,795 |
| Net operating income to assets | 0.7411% | 2,767 |
| Return on assets (ROA) | 0.7411% | 2,853 |
| Pretax return on assets | 0.7672% | 3,356 |
| Return on Equity (ROE) | 8.8020% | 2,088 |
| Retained earnings to average equity (ytd only) | -0.1850% | 4,989 |
| Net charge-offs to loans | 0.8409% | 2,726 |
| Credit loss provision to net charge-offs | 113.8354% | 4,814 |
| Earnings coverage of net charge-offs (x) | 2.2673% | 4,024 |
| Efficiency ratio | 60.2055% | 6,460 |
| Assets per employee ($millions) | 4.1464% | 3,523 |
| Cash dividends to net income (ytd only)* | 102.1021% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1116% | 5,845 |
| Loan loss allowance to noncurrent loans | 108.9567% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 1.1414% | 4,813 |
| Noncurrent loans to loans | 1.0202% | 5,271 |
| Net loans and leases to total assets | 81.8203% | 712 |
| Net loans and leases to deposits | 100.6906% | 845 |
| Net loans and leases to core deposits | 134.4513% | 1,029 |
| Total domestic deposits to total assets | 81.2591% | 5,247 |
| Equity capital to assets | 8.1914% | 6,353 |
| Core capital (leverage) ratio | 7.9957% | 6,200 |
| Tier 1 risk-based capital ratio | 9.7834% | 7,034 |
| Total risk-based capital ratio | 10.9325% | 7,083 |
| Memoranda: | ||
| Average total assets | $359,476,200 | 1,890 |
| Average earning assets | $327,088,600 | 1,904 |
| Average equity | $30,265,800 | 2,211 |
| Average total loans | $290,536,800 | 1,650 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0687% | 1,764 |
| Cost of funding earning assets | 2.4157% | 1,577 |
| Net interest margin | 3.6530% | 4,262 |
| Noninterest income to average assets | 0.4361% | 4,992 |
| Noninterest expense to average assets | 2.2933% | 6,725 |
| Loan and lease loss provision to assets | 0.4387% | 3,713 |
| Net operating income to assets | 0.9592% | 2,201 |
| Return on assets (ROA) | 0.9592% | 2,260 |
| Pretax return on assets | 1.0320% | 2,803 |
| Return on Equity (ROE) | 11.3138% | 1,539 |
| Retained earnings to average equity (ytd only) | 2.5235% | 3,913 |
| Net charge-offs to loans | 0.9060% | 2,158 |
| Credit loss provision to net charge-offs | 60.2873% | 6,166 |
| Earnings coverage of net charge-offs (x) | 2.0210% | 4,305 |
| Efficiency ratio | 60.9265% | 6,291 |
| Assets per employee ($millions) | 4.3675% | 3,091 |
| Cash dividends to net income (ytd only)* | 77.6956% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7630% | 7,222 |
| Loan loss allowance to noncurrent loans | 65.4618% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 1.0860% | 4,909 |
| Noncurrent loans to loans | 1.1656% | 4,993 |
| Net loans and leases to total assets | 79.0192% | 1,389 |
| Net loans and leases to deposits | 97.4380% | 1,390 |
| Net loans and leases to core deposits | 128.6964% | 1,525 |
| Total domestic deposits to total assets | 81.0970% | 5,042 |
| Equity capital to assets | 8.3171% | 6,484 |
| Core capital (leverage) ratio | 8.1946% | 6,023 |
| Tier 1 risk-based capital ratio | 10.1490% | 6,832 |
| Total risk-based capital ratio | 10.9333% | 7,206 |
| Memoranda: | ||
| Average total assets | $357,087,000 | 1,918 |
| Average earning assets | $325,312,500 | 1,927 |
| Average equity | $30,275,000 | 2,236 |
| Average total loans | $286,836,500 | 1,691 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0526% | 1,974 |
| Cost of funding earning assets | 2.5251% | 1,528 |
| Net interest margin | 3.5275% | 4,668 |
| Noninterest income to average assets | 0.4109% | 5,193 |
| Noninterest expense to average assets | 2.3721% | 6,547 |
| Loan and lease loss provision to assets | 0.2707% | 4,415 |
| Net operating income to assets | 0.9091% | 2,425 |
| Return on assets (ROA) | 0.9091% | 2,524 |
| Pretax return on assets | 0.9831% | 3,074 |
| Return on Equity (ROE) | 10.6498% | 1,804 |
| Retained earnings to average equity (ytd only) | 1.2619% | 4,642 |
| Net charge-offs to loans | 1.3156% | 1,406 |
| Credit loss provision to net charge-offs | 25.5376% | 6,073 |
| Earnings coverage of net charge-offs (x) | 1.1828% | 4,641 |
| Efficiency ratio | 65.4197% | 5,640 |
| Assets per employee ($millions) | 4.0867% | 3,521 |
| Cash dividends to net income (ytd only)* | 88.1505% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5790% | 7,672 |
| Loan loss allowance to noncurrent loans | 58.5084% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 0.9642% | 5,055 |
| Noncurrent loans to loans | 0.9896% | 5,227 |
| Net loans and leases to total assets | 80.6989% | 1,192 |
| Net loans and leases to deposits | 104.3106% | 890 |
| Net loans and leases to core deposits | 143.4089% | 861 |
| Total domestic deposits to total assets | 77.3640% | 6,236 |
| Equity capital to assets | 8.4678% | 6,095 |
| Core capital (leverage) ratio | 8.3888% | 5,644 |
| Tier 1 risk-based capital ratio | 10.4917% | 6,387 |
| Total risk-based capital ratio | 11.0932% | 7,023 |
| Memoranda: | ||
| Average total assets | $350,915,670 | 1,970 |
| Average earning assets | $319,828,330 | 1,985 |
| Average equity | $29,953,670 | 2,265 |
| Average total loans | $282,755,670 | 1,750 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9622% | 2,512 |
| Cost of funding earning assets | 2.6145% | 1,514 |
| Net interest margin | 3.3477% | 5,332 |
| Noninterest income to average assets | 0.5118% | 4,213 |
| Noninterest expense to average assets | 2.1951% | 6,883 |
| Loan and lease loss provision to assets | 0.2582% | 3,902 |
| Net operating income to assets | 1.0488% | 2,136 |
| Return on assets (ROA) | 1.0488% | 2,268 |
| Pretax return on assets | 1.1233% | 2,900 |
| Return on Equity (ROE) | 12.2368% | 1,587 |
| Retained earnings to average equity (ytd only) | 1.3388% | 5,099 |
| Net charge-offs to loans | 2.3671% | 613 |
| Credit loss provision to net charge-offs | 13.5870% | 5,159 |
| Earnings coverage of net charge-offs (x) | 0.7271% | 4,438 |
| Efficiency ratio | 61.3731% | 6,182 |
| Assets per employee ($millions) | 4.0575% | 3,545 |
| Cash dividends to net income (ytd only)* | 89.0591% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5794% | 7,702 |
| Loan loss allowance to noncurrent loans | 52.6418% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 1.0480% | 4,594 |
| Noncurrent loans to loans | 1.1006% | 4,785 |
| Net loans and leases to total assets | 79.8591% | 1,416 |
| Net loans and leases to deposits | 101.6651% | 1,215 |
| Net loans and leases to core deposits | 141.8944% | 1,017 |
| Total domestic deposits to total assets | 78.5511% | 5,854 |
| Equity capital to assets | 8.6028% | 5,915 |
| Core capital (leverage) ratio | 8.5231% | 5,486 |
| Tier 1 risk-based capital ratio | 10.7142% | 6,172 |
| Total risk-based capital ratio | 11.3131% | 6,760 |
| Memoranda: | ||
| Average total assets | $348,601,000 | 1,994 |
| Average earning assets | $319,144,000 | 1,995 |
| Average equity | $29,877,000 | 2,289 |
| Average total loans | $279,837,500 | 1,779 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8681% | 1,492 |
| Cost of funding earning assets | 2.9967% | 1,873 |
| Net interest margin | 3.8714% | 3,703 |
| Noninterest income to average assets | 0.5445% | 4,270 |
| Noninterest expense to average assets | 2.3340% | 6,607 |
| Loan and lease loss provision to assets | 1.0164% | 1,446 |
| Net operating income to assets | 0.6435% | 4,132 |
| Return on assets (ROA) | 0.6818% | 3,812 |
| Pretax return on assets | 0.7446% | 4,264 |
| Return on Equity (ROE) | 7.3110% | 3,364 |
| Retained earnings to average equity (ytd only) | -3.0576% | 6,122 |
| Net charge-offs to loans | 0.9038% | 1,373 |
| Credit loss provision to net charge-offs | 140.9737% | 3,763 |
| Earnings coverage of net charge-offs (x) | 2.3847% | 4,886 |
| Efficiency ratio | 57.5830% | 6,767 |
| Assets per employee ($millions) | 4.1959% | 3,123 |
| Cash dividends to net income (ytd only)* | 141.8223% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0935% | 5,329 |
| Loan loss allowance to noncurrent loans | 67.3798% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 1.4087% | 3,380 |
| Noncurrent loans to loans | 1.6228% | 3,331 |
| Net loans and leases to total assets | 79.3471% | 1,809 |
| Net loans and leases to deposits | 101.5199% | 1,637 |
| Net loans and leases to core deposits | 138.2381% | 1,360 |
| Total domestic deposits to total assets | 78.1592% | 5,659 |
| Equity capital to assets | 8.5383% | 6,025 |
| Core capital (leverage) ratio | 8.6262% | 5,329 |
| Tier 1 risk-based capital ratio | 10.6614% | 6,036 |
| Total risk-based capital ratio | 11.7863% | 6,067 |
| Memoranda: | ||
| Average total assets | $321,935,000 | 2,073 |
| Average earning assets | $291,784,400 | 2,096 |
| Average equity | $30,023,400 | 2,263 |
| Average total loans | $256,814,000 | 1,865 |