Home > Century Bank and Trust > Performance and Condition Ratios
Century Bank and Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9179% | 2,238 |
| Cost of funding earning assets | 0.7192% | 3,899 |
| Net interest margin | 4.1987% | 936 |
| Noninterest income to average assets | 1.1100% | 542 |
| Noninterest expense to average assets | 2.8939% | 1,286 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.7312% | 689 |
| Return on assets (ROA) | 1.7312% | 659 |
| Pretax return on assets | 2.1358% | 536 |
| Return on Equity (ROE) | 17.3800% | 905 |
| Retained earnings to average equity (ytd only) | 11.4779% | 704 |
| Net charge-offs to loans | -0.0005% | 3,546 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 57.2901% | 3,368 |
| Assets per employee ($millions) | 4.8895% | 3,711 |
| Cash dividends to net income (ytd only)* | 33.9448% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5018% | 1,047 |
| Loan loss allowance to noncurrent loans | 270.4918% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.2636% | 1,907 |
| Noncurrent loans to loans | 0.5552% | 1,410 |
| Net loans and leases to total assets | 45.6300% | 3,828 |
| Net loans and leases to deposits | 52.0009% | 3,882 |
| Net loans and leases to core deposits | 52.5479% | 4,018 |
| Total domestic deposits to total assets | 87.7600% | 1,431 |
| Equity capital to assets | 10.5448% | 1,707 |
| Core capital (leverage) ratio | 11.9345% | 1,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5621% | 644 |
| Memoranda: | ||
| Average total assets | $462,863,400 | 1,816 |
| Average earning assets | $433,969,200 | 1,798 |
| Average equity | $46,114,800 | 1,707 |
| Average total loans | $211,542,400 | 2,218 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8294% | 2,207 |
| Cost of funding earning assets | 0.6572% | 3,852 |
| Net interest margin | 4.1722% | 958 |
| Noninterest income to average assets | 1.1100% | 548 |
| Noninterest expense to average assets | 2.8984% | 1,234 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.7156% | 775 |
| Return on assets (ROA) | 1.7156% | 763 |
| Pretax return on assets | 2.1187% | 632 |
| Return on Equity (ROE) | 17.4800% | 1,009 |
| Retained earnings to average equity (ytd only) | 12.6712% | 857 |
| Net charge-offs to loans | -0.0178% | 4,097 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.7701% | 3,234 |
| Assets per employee ($millions) | 4.7009% | 3,811 |
| Cash dividends to net income (ytd only)* | 27.5215% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5188% | 1,063 |
| Loan loss allowance to noncurrent loans | 258.9883% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.2818% | 1,878 |
| Noncurrent loans to loans | 0.5865% | 1,367 |
| Net loans and leases to total assets | 47.3200% | 3,772 |
| Net loans and leases to deposits | 53.7377% | 3,800 |
| Net loans and leases to core deposits | 54.2448% | 3,915 |
| Total domestic deposits to total assets | 88.0600% | 1,549 |
| Equity capital to assets | 10.1866% | 1,716 |
| Core capital (leverage) ratio | 11.8619% | 1,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0845% | 693 |
| Memoranda: | ||
| Average total assets | $460,009,250 | 1,825 |
| Average earning assets | $430,908,250 | 1,797 |
| Average equity | $45,140,500 | 1,714 |
| Average total loans | $209,494,000 | 2,228 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7314% | 2,143 |
| Cost of funding earning assets | 0.5751% | 3,816 |
| Net interest margin | 4.1563% | 994 |
| Noninterest income to average assets | 1.0700% | 514 |
| Noninterest expense to average assets | 2.9609% | 1,106 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6166% | 923 |
| Return on assets (ROA) | 1.6166% | 922 |
| Pretax return on assets | 2.0019% | 750 |
| Return on Equity (ROE) | 16.6800% | 1,151 |
| Retained earnings to average equity (ytd only) | 11.1220% | 1,165 |
| Net charge-offs to loans | -0.0068% | 3,793 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.6611% | 2,997 |
| Assets per employee ($millions) | 4.6785% | 3,836 |
| Cash dividends to net income (ytd only)* | 33.3333% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5383% | 1,068 |
| Loan loss allowance to noncurrent loans | 213.4280% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.3344% | 1,582 |
| Noncurrent loans to loans | 0.7208% | 1,041 |
| Net loans and leases to total assets | 45.6900% | 3,809 |
| Net loans and leases to deposits | 51.5445% | 3,856 |
| Net loans and leases to core deposits | 51.8538% | 3,961 |
| Total domestic deposits to total assets | 88.6300% | 1,369 |
| Equity capital to assets | 9.8072% | 1,975 |
| Core capital (leverage) ratio | 11.0299% | 1,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7890% | 843 |
| Memoranda: | ||
| Average total assets | $461,351,333 | 1,824 |
| Average earning assets | $432,261,000 | 1,802 |
| Average equity | $44,704,333 | 1,731 |
| Average total loans | $206,287,000 | 2,246 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4770% | 2,372 |
| Cost of funding earning assets | 0.3722% | 4,028 |
| Net interest margin | 4.1048% | 1,089 |
| Noninterest income to average assets | 1.0400% | 540 |
| Noninterest expense to average assets | 3.1083% | 921 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4404% | 1,308 |
| Return on assets (ROA) | 1.4404% | 1,281 |
| Pretax return on assets | 1.7800% | 1,106 |
| Return on Equity (ROE) | 14.9600% | 1,558 |
| Retained earnings to average equity (ytd only) | 11.4828% | 1,362 |
| Net charge-offs to loans | 0.0020% | 1,964 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 2,049.0000% | 41 |
| Efficiency ratio | 63.5863% | 2,513 |
| Assets per employee ($millions) | 4.7124% | 3,879 |
| Cash dividends to net income (ytd only)* | 23.2207% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6303% | 947 |
| Loan loss allowance to noncurrent loans | 377.0286% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.1876% | 2,207 |
| Noncurrent loans to loans | 0.4324% | 1,637 |
| Net loans and leases to total assets | 42.6700% | 3,923 |
| Net loans and leases to deposits | 48.1170% | 3,958 |
| Net loans and leases to core deposits | 48.3968% | 4,036 |
| Total domestic deposits to total assets | 88.6800% | 1,666 |
| Equity capital to assets | 9.7819% | 1,944 |
| Core capital (leverage) ratio | 11.2591% | 1,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7711% | 872 |
| Memoranda: | ||
| Average total assets | $460,442,000 | 1,850 |
| Average earning assets | $432,079,500 | 1,828 |
| Average equity | $44,344,500 | 1,758 |
| Average total loans | $201,977,000 | 2,294 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2672% | 3,669 |
| Cost of funding earning assets | 0.1614% | 4,052 |
| Net interest margin | 3.1058% | 3,163 |
| Noninterest income to average assets | 1.2000% | 473 |
| Noninterest expense to average assets | 2.5850% | 1,869 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2573% | 1,575 |
| Return on assets (ROA) | 1.2572% | 1,524 |
| Pretax return on assets | 1.5351% | 1,346 |
| Return on Equity (ROE) | 13.0600% | 1,792 |
| Retained earnings to average equity (ytd only) | 5.3303% | 2,904 |
| Net charge-offs to loans | 0.0205% | 1,681 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 174.9024% | 716 |
| Efficiency ratio | 62.7384% | 2,667 |
| Assets per employee ($millions) | 4.6363% | 3,949 |
| Cash dividends to net income (ytd only)* | 59.1962% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6365% | 906 |
| Loan loss allowance to noncurrent loans | 362.5275% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.2003% | 2,170 |
| Noncurrent loans to loans | 0.4514% | 1,582 |
| Net loans and leases to total assets | 43.6400% | 3,911 |
| Net loans and leases to deposits | 49.0509% | 3,931 |
| Net loans and leases to core deposits | 49.3892% | 4,002 |
| Total domestic deposits to total assets | 88.9700% | 1,728 |
| Equity capital to assets | 9.4757% | 2,028 |
| Core capital (leverage) ratio | 10.8251% | 1,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5371% | 890 |
| Memoranda: | ||
| Average total assets | $467,081,600 | 1,813 |
| Average earning assets | $439,214,400 | 1,791 |
| Average equity | $44,950,800 | 1,754 |
| Average total loans | $199,766,400 | 2,233 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9318% | 4,010 |
| Cost of funding earning assets | 0.1229% | 4,101 |
| Net interest margin | 2.8088% | 3,717 |
| Noninterest income to average assets | 1.2400% | 480 |
| Noninterest expense to average assets | 2.4315% | 2,222 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1953% | 1,707 |
| Return on assets (ROA) | 1.1953% | 1,687 |
| Pretax return on assets | 1.4528% | 1,544 |
| Return on Equity (ROE) | 12.3700% | 1,920 |
| Retained earnings to average equity (ytd only) | 3.4019% | 3,667 |
| Net charge-offs to loans | 0.0201% | 1,433 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 170.8000% | 687 |
| Efficiency ratio | 62.5985% | 2,753 |
| Assets per employee ($millions) | 4.9627% | 3,707 |
| Cash dividends to net income (ytd only)* | 72.5095% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6531% | 959 |
| Loan loss allowance to noncurrent loans | 485.4839% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.1432% | 2,610 |
| Noncurrent loans to loans | 0.3405% | 2,010 |
| Net loans and leases to total assets | 41.3400% | 4,010 |
| Net loans and leases to deposits | 46.0839% | 4,024 |
| Net loans and leases to core deposits | 46.4569% | 4,084 |
| Total domestic deposits to total assets | 89.7200% | 1,777 |
| Equity capital to assets | 8.9091% | 2,275 |
| Core capital (leverage) ratio | 10.1846% | 2,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2253% | 960 |
| Memoranda: | ||
| Average total assets | $470,262,000 | 1,810 |
| Average earning assets | $442,495,250 | 1,791 |
| Average equity | $45,425,000 | 1,764 |
| Average total loans | $199,309,500 | 2,233 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5597% | 4,319 |
| Cost of funding earning assets | 0.0955% | 4,238 |
| Net interest margin | 2.4641% | 4,143 |
| Noninterest income to average assets | 1.3229% | 405 |
| Noninterest expense to average assets | 2.2849% | 2,592 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1323% | 1,658 |
| Return on assets (ROA) | 1.1320% | 1,636 |
| Pretax return on assets | 1.3622% | 1,545 |
| Return on Equity (ROE) | 11.4179% | 1,858 |
| Retained earnings to average equity (ytd only) | 7.1739% | 1,928 |
| Net charge-offs to loans | 0.0352% | 1,034 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 91.1429% | 861 |
| Efficiency ratio | 62.6420% | 2,963 |
| Assets per employee ($millions) | 4.8904% | 3,779 |
| Cash dividends to net income (ytd only)* | 37.1698% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7143% | 940 |
| Loan loss allowance to noncurrent loans | 488.9053% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.1425% | 2,727 |
| Noncurrent loans to loans | 0.3506% | 2,097 |
| Net loans and leases to total assets | 39.9454% | 4,076 |
| Net loans and leases to deposits | 44.8212% | 4,076 |
| Net loans and leases to core deposits | 45.1877% | 4,149 |
| Total domestic deposits to total assets | 89.1216% | 2,124 |
| Equity capital to assets | 9.5425% | 1,983 |
| Core capital (leverage) ratio | 10.4389% | 2,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9665% | 725 |
| Memoranda: | ||
| Average total assets | $468,208,667 | 1,824 |
| Average earning assets | $441,698,667 | 1,809 |
| Average equity | $46,418,333 | 1,781 |
| Average total loans | $198,984,333 | 2,243 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4558% | 4,325 |
| Cost of funding earning assets | 0.0865% | 4,287 |
| Net interest margin | 2.3693% | 4,125 |
| Noninterest income to average assets | 1.2556% | 447 |
| Noninterest expense to average assets | 2.3125% | 2,453 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9632% | 2,026 |
| Return on assets (ROA) | 0.9632% | 2,022 |
| Pretax return on assets | 1.1808% | 1,875 |
| Return on Equity (ROE) | 9.5331% | 2,143 |
| Retained earnings to average equity (ytd only) | 6.2987% | 2,143 |
| Net charge-offs to loans | 0.0455% | 835 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 59.6957% | 856 |
| Efficiency ratio | 66.1989% | 2,744 |
| Assets per employee ($millions) | 4.9314% | 3,810 |
| Cash dividends to net income (ytd only)* | 33.9286% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6727% | 1,100 |
| Loan loss allowance to noncurrent loans | 287.5217% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.2421% | 2,187 |
| Noncurrent loans to loans | 0.5818% | 1,594 |
| Net loans and leases to total assets | 40.7745% | 3,960 |
| Net loans and leases to deposits | 45.8326% | 3,984 |
| Net loans and leases to core deposits | 46.1773% | 4,062 |
| Total domestic deposits to total assets | 88.9639% | 2,101 |
| Equity capital to assets | 9.7092% | 2,120 |
| Core capital (leverage) ratio | 10.4162% | 1,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1361% | 738 |
| Memoranda: | ||
| Average total assets | $465,126,500 | 1,840 |
| Average earning assets | $439,286,000 | 1,827 |
| Average equity | $46,994,000 | 1,816 |
| Average total loans | $202,079,000 | 2,213 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7363% | 4,275 |
| Cost of funding earning assets | 0.0940% | 4,430 |
| Net interest margin | 2.6423% | 3,977 |
| Noninterest income to average assets | 1.5436% | 476 |
| Noninterest expense to average assets | 2.5330% | 2,080 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2163% | 1,871 |
| Return on assets (ROA) | 1.2232% | 1,895 |
| Pretax return on assets | 1.5047% | 1,708 |
| Return on Equity (ROE) | 11.4624% | 1,998 |
| Retained earnings to average equity (ytd only) | 6.1186% | 2,309 |
| Net charge-offs to loans | 0.0170% | 1,947 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 176.5676% | 584 |
| Efficiency ratio | 62.8659% | 2,736 |
| Assets per employee ($millions) | 4.7074% | 3,961 |
| Cash dividends to net income (ytd only)* | 46.6205% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6234% | 1,207 |
| Loan loss allowance to noncurrent loans | 251.0143% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.2954% | 2,066 |
| Noncurrent loans to loans | 0.6467% | 1,539 |
| Net loans and leases to total assets | 44.8003% | 3,781 |
| Net loans and leases to deposits | 50.9780% | 3,805 |
| Net loans and leases to core deposits | 51.3887% | 3,938 |
| Total domestic deposits to total assets | 87.8817% | 2,113 |
| Equity capital to assets | 10.5209% | 2,161 |
| Core capital (leverage) ratio | 10.6261% | 1,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6688% | 796 |
| Memoranda: | ||
| Average total assets | $436,636,800 | 1,875 |
| Average earning assets | $410,734,200 | 1,866 |
| Average equity | $46,595,800 | 1,873 |
| Average total loans | $218,040,600 | 2,115 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7532% | 4,356 |
| Cost of funding earning assets | 0.0953% | 4,533 |
| Net interest margin | 2.6579% | 4,041 |
| Noninterest income to average assets | 1.6133% | 482 |
| Noninterest expense to average assets | 2.6215% | 1,781 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2127% | 2,126 |
| Return on assets (ROA) | 1.2217% | 2,153 |
| Pretax return on assets | 1.5017% | 1,985 |
| Return on Equity (ROE) | 11.4065% | 2,236 |
| Retained earnings to average equity (ytd only) | 6.7444% | 2,523 |
| Net charge-offs to loans | -0.0235% | 4,034 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7501% | 2,425 |
| Assets per employee ($millions) | 4.6818% | 3,981 |
| Cash dividends to net income (ytd only)* | 40.8724% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6057% | 1,326 |
| Loan loss allowance to noncurrent loans | 214.9057% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.3501% | 2,032 |
| Noncurrent loans to loans | 0.7472% | 1,504 |
| Net loans and leases to total assets | 46.1070% | 3,782 |
| Net loans and leases to deposits | 52.3666% | 3,854 |
| Net loans and leases to core deposits | 52.7853% | 3,995 |
| Total domestic deposits to total assets | 88.0465% | 1,817 |
| Equity capital to assets | 10.4293% | 2,510 |
| Core capital (leverage) ratio | 10.5463% | 2,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2275% | 922 |
| Memoranda: | ||
| Average total assets | $432,818,000 | 1,906 |
| Average earning assets | $406,932,500 | 1,896 |
| Average equity | $46,358,500 | 1,897 |
| Average total loans | $221,101,000 | 2,129 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7728% | 4,383 |
| Cost of funding earning assets | 0.0959% | 4,607 |
| Net interest margin | 2.6768% | 4,028 |
| Noninterest income to average assets | 1.6781% | 437 |
| Noninterest expense to average assets | 2.7070% | 1,572 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2115% | 2,147 |
| Return on assets (ROA) | 1.2210% | 2,185 |
| Pretax return on assets | 1.4996% | 2,017 |
| Return on Equity (ROE) | 11.2942% | 2,304 |
| Retained earnings to average equity (ytd only) | 7.8003% | 2,153 |
| Net charge-offs to loans | -0.0286% | 4,143 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5313% | 2,355 |
| Assets per employee ($millions) | 4.4987% | 4,108 |
| Cash dividends to net income (ytd only)* | 30.9350% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5280% | 1,502 |
| Loan loss allowance to noncurrent loans | 97.2888% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 0.7948% | 1,021 |
| Noncurrent loans to loans | 1.5706% | 709 |
| Net loans and leases to total assets | 49.8319% | 3,571 |
| Net loans and leases to deposits | 56.7583% | 3,659 |
| Net loans and leases to core deposits | 57.2265% | 3,817 |
| Total domestic deposits to total assets | 87.7968% | 1,935 |
| Equity capital to assets | 10.6161% | 2,292 |
| Core capital (leverage) ratio | 10.5512% | 1,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0459% | 953 |
| Memoranda: | ||
| Average total assets | $425,713,000 | 1,924 |
| Average earning assets | $400,252,333 | 1,911 |
| Average equity | $46,023,667 | 1,900 |
| Average total loans | $223,866,667 | 2,129 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8267% | 4,346 |
| Cost of funding earning assets | 0.0988% | 4,655 |
| Net interest margin | 2.7278% | 3,905 |
| Noninterest income to average assets | 1.8195% | 433 |
| Noninterest expense to average assets | 2.7905% | 1,389 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2932% | 1,850 |
| Return on assets (ROA) | 1.3049% | 1,891 |
| Pretax return on assets | 1.6043% | 1,714 |
| Return on Equity (ROE) | 11.9561% | 2,036 |
| Retained earnings to average equity (ytd only) | 8.5376% | 2,082 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7039% | 2,500 |
| Assets per employee ($millions) | 4.2712% | 4,295 |
| Cash dividends to net income (ytd only)* | 28.5924% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4849% | 1,661 |
| Loan loss allowance to noncurrent loans | 197.7166% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.3920% | 2,232 |
| Noncurrent loans to loans | 0.7510% | 1,736 |
| Net loans and leases to total assets | 51.4254% | 3,499 |
| Net loans and leases to deposits | 58.5573% | 3,595 |
| Net loans and leases to core deposits | 59.0957% | 3,763 |
| Total domestic deposits to total assets | 87.8207% | 1,930 |
| Equity capital to assets | 10.5335% | 2,238 |
| Core capital (leverage) ratio | 10.9391% | 1,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9428% | 938 |
| Memoranda: | ||
| Average total assets | $418,131,500 | 1,938 |
| Average earning assets | $392,546,500 | 1,930 |
| Average equity | $45,633,500 | 1,898 |
| Average total loans | $224,247,000 | 2,123 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5832% | 3,847 |
| Cost of funding earning assets | 0.1494% | 4,729 |
| Net interest margin | 3.4338% | 2,658 |
| Noninterest income to average assets | 1.6889% | 443 |
| Noninterest expense to average assets | 2.9325% | 1,596 |
| Loan and lease loss provision to assets | 0.2521% | 1,536 |
| Net operating income to assets | 1.3966% | 1,027 |
| Return on assets (ROA) | 1.4057% | 1,091 |
| Pretax return on assets | 1.7236% | 811 |
| Return on Equity (ROE) | 11.8925% | 1,348 |
| Retained earnings to average equity (ytd only) | 6.0489% | 1,776 |
| Net charge-offs to loans | 0.0918% | 1,535 |
| Credit loss provision to net charge-offs | 451.2195% | 1,330 |
| Earnings coverage of net charge-offs (x) | 35.1561% | 1,483 |
| Efficiency ratio | 59.8831% | 3,477 |
| Assets per employee ($millions) | 3.7792% | 4,521 |
| Cash dividends to net income (ytd only)* | 49.1371% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5275% | 1,491 |
| Loan loss allowance to noncurrent loans | 185.5495% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.4543% | 2,209 |
| Noncurrent loans to loans | 0.8233% | 1,701 |
| Net loans and leases to total assets | 54.3431% | 3,461 |
| Net loans and leases to deposits | 62.5658% | 3,567 |
| Net loans and leases to core deposits | 63.1980% | 3,757 |
| Total domestic deposits to total assets | 86.8576% | 2,006 |
| Equity capital to assets | 11.3271% | 2,003 |
| Core capital (leverage) ratio | 11.0694% | 1,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6278% | 958 |
| Memoranda: | ||
| Average total assets | $366,858,400 | 1,975 |
| Average earning assets | $342,735,000 | 1,969 |
| Average equity | $43,363,400 | 1,894 |
| Average total loans | $223,198,800 | 2,086 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6287% | 3,951 |
| Cost of funding earning assets | 0.1616% | 4,773 |
| Net interest margin | 3.4671% | 2,697 |
| Noninterest income to average assets | 1.6661% | 425 |
| Noninterest expense to average assets | 3.0406% | 1,352 |
| Loan and lease loss provision to assets | 0.1582% | 2,428 |
| Net operating income to assets | 1.3884% | 1,127 |
| Return on assets (ROA) | 1.3976% | 1,205 |
| Pretax return on assets | 1.7112% | 949 |
| Return on Equity (ROE) | 11.6873% | 1,456 |
| Retained earnings to average equity (ytd only) | 4.8809% | 2,610 |
| Net charge-offs to loans | -0.0089% | 4,197 |
| Credit loss provision to net charge-offs | -2,833.3333% | 4,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0700% | 3,065 |
| Assets per employee ($millions) | 3.8182% | 4,464 |
| Cash dividends to net income (ytd only)* | 58.2380% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2992% | 2,158 |
| Loan loss allowance to noncurrent loans | 190.4118% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.4058% | 2,546 |
| Noncurrent loans to loans | 0.6823% | 2,087 |
| Net loans and leases to total assets | 58.7073% | 3,351 |
| Net loans and leases to deposits | 67.8549% | 3,478 |
| Net loans and leases to core deposits | 68.5446% | 3,729 |
| Total domestic deposits to total assets | 86.5188% | 1,854 |
| Equity capital to assets | 11.0697% | 2,348 |
| Core capital (leverage) ratio | 10.9530% | 1,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2660% | 1,011 |
| Memoranda: | ||
| Average total assets | $358,423,750 | 1,983 |
| Average earning assets | $334,178,500 | 1,985 |
| Average equity | $42,860,250 | 1,901 |
| Average total loans | $223,730,000 | 2,079 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8599% | 3,719 |
| Cost of funding earning assets | 0.1819% | 4,806 |
| Net interest margin | 3.6780% | 2,246 |
| Noninterest income to average assets | 1.5372% | 436 |
| Noninterest expense to average assets | 3.1081% | 1,338 |
| Loan and lease loss provision to assets | 0.1365% | 2,653 |
| Net operating income to assets | 1.4002% | 1,113 |
| Return on assets (ROA) | 1.4036% | 1,196 |
| Pretax return on assets | 1.7155% | 972 |
| Return on Equity (ROE) | 11.4086% | 1,509 |
| Retained earnings to average equity (ytd only) | 3.6030% | 3,121 |
| Net charge-offs to loans | -0.0037% | 3,924 |
| Credit loss provision to net charge-offs | -5,875.0000% | 4,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7125% | 3,005 |
| Assets per employee ($millions) | 3.6836% | 4,562 |
| Cash dividends to net income (ytd only)* | 68.4189% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 2,240 |
| Loan loss allowance to noncurrent loans | 155.1687% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.4827% | 2,390 |
| Noncurrent loans to loans | 0.8078% | 1,880 |
| Net loans and leases to total assets | 59.0102% | 3,424 |
| Net loans and leases to deposits | 68.4362% | 3,528 |
| Net loans and leases to core deposits | 69.1584% | 3,762 |
| Total domestic deposits to total assets | 86.2266% | 1,922 |
| Equity capital to assets | 11.2477% | 2,151 |
| Core capital (leverage) ratio | 12.2822% | 1,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1899% | 1,017 |
| Memoranda: | ||
| Average total assets | $344,263,000 | 2,028 |
| Average earning assets | $320,009,333 | 2,029 |
| Average equity | $42,354,000 | 1,908 |
| Average total loans | $218,820,333 | 2,093 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1862% | 3,262 |
| Cost of funding earning assets | 0.2340% | 4,810 |
| Net interest margin | 3.9522% | 1,526 |
| Noninterest income to average assets | 1.5145% | 388 |
| Noninterest expense to average assets | 3.3374% | 1,162 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5035% | 777 |
| Return on assets (ROA) | 1.5096% | 836 |
| Pretax return on assets | 1.8452% | 638 |
| Return on Equity (ROE) | 11.6708% | 1,203 |
| Retained earnings to average equity (ytd only) | 2.0393% | 3,433 |
| Net charge-offs to loans | 0.0019% | 2,527 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 1,484.0000% | 31 |
| Efficiency ratio | 64.4891% | 3,151 |
| Assets per employee ($millions) | 2.8923% | 4,833 |
| Cash dividends to net income (ytd only)* | 82.5267% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2486% | 2,400 |
| Loan loss allowance to noncurrent loans | 151.5982% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.5408% | 2,372 |
| Noncurrent loans to loans | 0.8237% | 1,958 |
| Net loans and leases to total assets | 64.8432% | 2,964 |
| Net loans and leases to deposits | 76.7734% | 3,003 |
| Net loans and leases to core deposits | 77.6518% | 3,376 |
| Total domestic deposits to total assets | 84.4605% | 2,611 |
| Equity capital to assets | 12.7819% | 1,560 |
| Core capital (leverage) ratio | 12.9818% | 1,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2903% | 1,284 |
| Memoranda: | ||
| Average total assets | $323,007,500 | 2,078 |
| Average earning assets | $299,174,000 | 2,083 |
| Average equity | $41,779,500 | 1,916 |
| Average total loans | $212,664,000 | 2,105 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3439% | 3,411 |
| Cost of funding earning assets | 0.2980% | 4,734 |
| Net interest margin | 4.0459% | 1,694 |
| Noninterest income to average assets | 1.5755% | 375 |
| Noninterest expense to average assets | 3.4181% | 1,082 |
| Loan and lease loss provision to assets | 0.1255% | 1,693 |
| Net operating income to assets | 1.4279% | 1,248 |
| Return on assets (ROA) | 1.4339% | 1,299 |
| Pretax return on assets | 1.7750% | 1,006 |
| Return on Equity (ROE) | 11.4654% | 1,705 |
| Retained earnings to average equity (ytd only) | 7.1052% | 1,350 |
| Net charge-offs to loans | 0.1543% | 1,298 |
| Credit loss provision to net charge-offs | 125.3870% | 2,035 |
| Earnings coverage of net charge-offs (x) | 18.9164% | 2,026 |
| Efficiency ratio | 64.3566% | 3,027 |
| Assets per employee ($millions) | 2.9548% | 4,847 |
| Cash dividends to net income (ytd only)* | 38.0294% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 2,174 |
| Loan loss allowance to noncurrent loans | 125.8049% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.6558% | 1,946 |
| Noncurrent loans to loans | 0.9933% | 1,532 |
| Net loans and leases to total assets | 65.1904% | 3,048 |
| Net loans and leases to deposits | 77.6046% | 3,050 |
| Net loans and leases to core deposits | 78.6058% | 3,405 |
| Total domestic deposits to total assets | 84.0033% | 2,845 |
| Equity capital to assets | 13.0881% | 1,467 |
| Core capital (leverage) ratio | 13.0723% | 1,205 |
| Tier 1 risk-based capital ratio | 16.1969% | 2,332 |
| Total risk-based capital ratio | 17.2171% | 2,366 |
| Memoranda: | ||
| Average total assets | $322,754,600 | 2,020 |
| Average earning assets | $298,004,000 | 2,039 |
| Average equity | $40,364,800 | 1,915 |
| Average total loans | $209,329,600 | 2,088 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3893% | 3,393 |
| Cost of funding earning assets | 0.3048% | 4,787 |
| Net interest margin | 4.0845% | 1,660 |
| Noninterest income to average assets | 1.5107% | 401 |
| Noninterest expense to average assets | 3.4236% | 1,047 |
| Loan and lease loss provision to assets | 0.1363% | 1,411 |
| Net operating income to assets | 1.4069% | 1,449 |
| Return on assets (ROA) | 1.4079% | 1,505 |
| Pretax return on assets | 1.7205% | 1,284 |
| Return on Equity (ROE) | 11.3898% | 1,845 |
| Retained earnings to average equity (ytd only) | 7.9662% | 1,412 |
| Net charge-offs to loans | 0.1714% | 991 |
| Credit loss provision to net charge-offs | 123.1343% | 1,912 |
| Earnings coverage of net charge-offs (x) | 16.7689% | 2,125 |
| Efficiency ratio | 64.8522% | 2,887 |
| Assets per employee ($millions) | 2.9854% | 4,902 |
| Cash dividends to net income (ytd only)* | 30.0586% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2675% | 2,133 |
| Loan loss allowance to noncurrent loans | 127.0231% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 0.6437% | 2,077 |
| Noncurrent loans to loans | 0.9978% | 1,600 |
| Net loans and leases to total assets | 62.5501% | 3,437 |
| Net loans and leases to deposits | 73.9999% | 3,474 |
| Net loans and leases to core deposits | 74.9284% | 3,768 |
| Total domestic deposits to total assets | 84.5274% | 2,614 |
| Equity capital to assets | 12.7071% | 1,783 |
| Core capital (leverage) ratio | 12.8050% | 1,433 |
| Tier 1 risk-based capital ratio | 16.6131% | 2,223 |
| Total risk-based capital ratio | 17.6637% | 2,229 |
| Memoranda: | ||
| Average total assets | $322,925,250 | 2,027 |
| Average earning assets | $297,931,000 | 2,050 |
| Average equity | $39,917,750 | 1,942 |
| Average total loans | $208,507,750 | 2,117 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3867% | 3,371 |
| Cost of funding earning assets | 0.3036% | 4,817 |
| Net interest margin | 4.0831% | 1,658 |
| Noninterest income to average assets | 1.4743% | 414 |
| Noninterest expense to average assets | 3.4295% | 1,053 |
| Loan and lease loss provision to assets | 0.0903% | 2,044 |
| Net operating income to assets | 1.4099% | 1,409 |
| Return on assets (ROA) | 1.4114% | 1,453 |
| Pretax return on assets | 1.7259% | 1,225 |
| Return on Equity (ROE) | 11.5278% | 1,768 |
| Retained earnings to average equity (ytd only) | 7.9769% | 1,406 |
| Net charge-offs to loans | 0.0010% | 3,151 |
| Credit loss provision to net charge-offs | 14,500.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 2,913.0000% | 13 |
| Efficiency ratio | 65.3997% | 2,907 |
| Assets per employee ($millions) | 2.9098% | 4,959 |
| Cash dividends to net income (ytd only)* | 30.8032% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2869% | 2,073 |
| Loan loss allowance to noncurrent loans | 124.4394% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.6995% | 1,962 |
| Noncurrent loans to loans | 1.0341% | 1,585 |
| Net loans and leases to total assets | 63.4307% | 3,405 |
| Net loans and leases to deposits | 74.8098% | 3,445 |
| Net loans and leases to core deposits | 76.4948% | 3,683 |
| Total domestic deposits to total assets | 84.7893% | 2,570 |
| Equity capital to assets | 12.3908% | 1,916 |
| Core capital (leverage) ratio | 12.7870% | 1,413 |
| Tier 1 risk-based capital ratio | 16.1397% | 2,350 |
| Total risk-based capital ratio | 17.2132% | 2,375 |
| Memoranda: | ||
| Average total assets | $321,100,670 | 2,042 |
| Average earning assets | $296,444,000 | 2,059 |
| Average equity | $39,313,670 | 1,965 |
| Average total loans | $208,660,000 | 2,125 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3850% | 3,284 |
| Cost of funding earning assets | 0.2883% | 4,878 |
| Net interest margin | 4.0966% | 1,557 |
| Noninterest income to average assets | 1.5155% | 378 |
| Noninterest expense to average assets | 3.5089% | 959 |
| Loan and lease loss provision to assets | 0.0567% | 2,530 |
| Net operating income to assets | 1.4157% | 1,336 |
| Return on assets (ROA) | 1.4260% | 1,330 |
| Pretax return on assets | 1.7425% | 1,108 |
| Return on Equity (ROE) | 11.7204% | 1,645 |
| Retained earnings to average equity (ytd only) | 7.8343% | 1,725 |
| Net charge-offs to loans | 0.0154% | 2,171 |
| Credit loss provision to net charge-offs | 562.5000% | 566 |
| Earnings coverage of net charge-offs (x) | 177.1250% | 435 |
| Efficiency ratio | 66.2619% | 2,908 |
| Assets per employee ($millions) | 2.7973% | 5,071 |
| Cash dividends to net income (ytd only)* | 33.1565% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2519% | 2,313 |
| Loan loss allowance to noncurrent loans | 127.9138% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 0.7150% | 1,965 |
| Noncurrent loans to loans | 0.9787% | 1,710 |
| Net loans and leases to total assets | 64.6099% | 3,216 |
| Net loans and leases to deposits | 74.6243% | 3,392 |
| Net loans and leases to core deposits | 76.3202% | 3,640 |
| Total domestic deposits to total assets | 86.5803% | 2,014 |
| Equity capital to assets | 12.3171% | 1,837 |
| Core capital (leverage) ratio | 12.7297% | 1,385 |
| Tier 1 risk-based capital ratio | 15.9966% | 2,442 |
| Total risk-based capital ratio | 17.0394% | 2,463 |
| Memoranda: | ||
| Average total assets | $317,246,500 | 2,080 |
| Average earning assets | $292,727,500 | 2,095 |
| Average equity | $38,599,500 | 1,985 |
| Average total loans | $207,347,500 | 2,154 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2494% | 3,278 |
| Cost of funding earning assets | 0.2211% | 4,917 |
| Net interest margin | 4.0283% | 1,897 |
| Noninterest income to average assets | 1.6219% | 363 |
| Noninterest expense to average assets | 3.5226% | 971 |
| Loan and lease loss provision to assets | 0.2723% | 622 |
| Net operating income to assets | 1.2548% | 1,961 |
| Return on assets (ROA) | 1.2548% | 1,956 |
| Pretax return on assets | 1.5261% | 1,690 |
| Return on Equity (ROE) | 10.3910% | 2,351 |
| Retained earnings to average equity (ytd only) | 5.9222% | 2,233 |
| Net charge-offs to loans | 0.2251% | 867 |
| Credit loss provision to net charge-offs | 182.4176% | 1,552 |
| Earnings coverage of net charge-offs (x) | 12.0484% | 2,572 |
| Efficiency ratio | 66.2022% | 2,839 |
| Assets per employee ($millions) | 2.7444% | 5,120 |
| Cash dividends to net income (ytd only)* | 43.0065% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 2,301 |
| Loan loss allowance to noncurrent loans | 130.3797% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.7155% | 1,939 |
| Noncurrent loans to loans | 0.9585% | 1,686 |
| Net loans and leases to total assets | 64.4713% | 3,304 |
| Net loans and leases to deposits | 74.2376% | 3,484 |
| Net loans and leases to core deposits | 76.8006% | 3,656 |
| Total domestic deposits to total assets | 86.8446% | 1,849 |
| Equity capital to assets | 12.0154% | 1,884 |
| Core capital (leverage) ratio | 13.0788% | 1,215 |
| Tier 1 risk-based capital ratio | 15.6551% | 2,549 |
| Total risk-based capital ratio | 16.6805% | 2,568 |
| Memoranda: | ||
| Average total assets | $304,833,600 | 2,129 |
| Average earning assets | $279,921,800 | 2,135 |
| Average equity | $36,810,600 | 1,993 |
| Average total loans | $202,152,800 | 2,160 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2371% | 3,185 |
| Cost of funding earning assets | 0.2132% | 4,974 |
| Net interest margin | 4.0239% | 1,879 |
| Noninterest income to average assets | 1.6041% | 378 |
| Noninterest expense to average assets | 3.6410% | 804 |
| Loan and lease loss provision to assets | 0.3221% | 439 |
| Net operating income to assets | 1.1019% | 2,657 |
| Return on assets (ROA) | 1.1019% | 2,673 |
| Pretax return on assets | 1.3314% | 2,499 |
| Return on Equity (ROE) | 9.1130% | 3,035 |
| Retained earnings to average equity (ytd only) | 4.2481% | 3,650 |
| Net charge-offs to loans | 0.0331% | 2,421 |
| Credit loss provision to net charge-offs | 1,460.0000% | 284 |
| Earnings coverage of net charge-offs (x) | 74.9345% | 913 |
| Efficiency ratio | 68.7698% | 2,391 |
| Assets per employee ($millions) | 2.6542% | 5,228 |
| Cash dividends to net income (ytd only)* | 53.3841% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3843% | 1,762 |
| Loan loss allowance to noncurrent loans | 89.1950% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 1.1368% | 1,253 |
| Noncurrent loans to loans | 1.5520% | 1,032 |
| Net loans and leases to total assets | 67.2424% | 3,043 |
| Net loans and leases to deposits | 78.6623% | 3,174 |
| Net loans and leases to core deposits | 81.5188% | 3,361 |
| Total domestic deposits to total assets | 85.4824% | 2,405 |
| Equity capital to assets | 12.0332% | 1,890 |
| Core capital (leverage) ratio | 12.6399% | 1,441 |
| Tier 1 risk-based capital ratio | 15.1601% | 2,811 |
| Total risk-based capital ratio | 16.3006% | 2,784 |
| Memoranda: | ||
| Average total assets | $302,141,000 | 2,149 |
| Average earning assets | $277,101,000 | 2,165 |
| Average equity | $36,533,000 | 2,005 |
| Average total loans | $201,178,750 | 2,174 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1864% | 3,155 |
| Cost of funding earning assets | 0.2020% | 5,020 |
| Net interest margin | 3.9844% | 1,913 |
| Noninterest income to average assets | 1.6094% | 384 |
| Noninterest expense to average assets | 3.6551% | 814 |
| Loan and lease loss provision to assets | 0.3188% | 428 |
| Net operating income to assets | 1.0714% | 2,706 |
| Return on assets (ROA) | 1.0714% | 2,711 |
| Pretax return on assets | 1.2912% | 2,548 |
| Return on Equity (ROE) | 8.8462% | 3,096 |
| Retained earnings to average equity (ytd only) | 4.9030% | 3,123 |
| Net charge-offs to loans | 0.0412% | 2,035 |
| Credit loss provision to net charge-offs | 1,170.7317% | 359 |
| Earnings coverage of net charge-offs (x) | 59.1220% | 1,007 |
| Efficiency ratio | 69.4210% | 2,407 |
| Assets per employee ($millions) | 2.6437% | 5,289 |
| Cash dividends to net income (ytd only)* | 44.5753% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2920% | 2,207 |
| Loan loss allowance to noncurrent loans | 83.2282% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 1.1590% | 1,247 |
| Noncurrent loans to loans | 1.5524% | 1,062 |
| Net loans and leases to total assets | 66.9235% | 3,025 |
| Net loans and leases to deposits | 77.1742% | 3,239 |
| Net loans and leases to core deposits | 78.2791% | 3,556 |
| Total domestic deposits to total assets | 86.7174% | 1,965 |
| Equity capital to assets | 12.1329% | 1,761 |
| Core capital (leverage) ratio | 12.5557% | 1,406 |
| Tier 1 risk-based capital ratio | 15.2154% | 2,776 |
| Total risk-based capital ratio | 16.2717% | 2,791 |
| Memoranda: | ||
| Average total assets | $301,111,330 | 2,162 |
| Average earning assets | $276,274,670 | 2,183 |
| Average equity | $36,467,670 | 2,015 |
| Average total loans | $198,863,330 | 2,198 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1514% | 3,060 |
| Cost of funding earning assets | 0.1677% | 5,174 |
| Net interest margin | 3.9837% | 1,778 |
| Noninterest income to average assets | 1.5563% | 399 |
| Noninterest expense to average assets | 3.6588% | 813 |
| Loan and lease loss provision to assets | 0.2724% | 505 |
| Net operating income to assets | 1.0712% | 2,560 |
| Return on assets (ROA) | 1.0712% | 2,572 |
| Pretax return on assets | 1.2878% | 2,416 |
| Return on Equity (ROE) | 8.8526% | 2,980 |
| Retained earnings to average equity (ytd only) | 5.6894% | 2,856 |
| Net charge-offs to loans | -0.1183% | 5,261 |
| Credit loss provision to net charge-offs | -353.4483% | 3,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1044% | 2,472 |
| Assets per employee ($millions) | 2.5665% | 5,380 |
| Cash dividends to net income (ytd only)* | 35.7320% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2291% | 2,637 |
| Loan loss allowance to noncurrent loans | 117.1021% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.8026% | 1,973 |
| Noncurrent loans to loans | 1.0496% | 1,745 |
| Net loans and leases to total assets | 65.9682% | 3,036 |
| Net loans and leases to deposits | 75.9386% | 3,218 |
| Net loans and leases to core deposits | 76.9522% | 3,582 |
| Total domestic deposits to total assets | 86.8704% | 2,177 |
| Equity capital to assets | 12.1129% | 1,706 |
| Core capital (leverage) ratio | 12.4363% | 1,421 |
| Tier 1 risk-based capital ratio | 15.4705% | 2,672 |
| Total risk-based capital ratio | 16.4833% | 2,711 |
| Memoranda: | ||
| Average total assets | $300,977,000 | 2,185 |
| Average earning assets | $276,726,500 | 2,199 |
| Average equity | $36,418,500 | 2,020 |
| Average total loans | $196,128,000 | 2,225 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8558% | 3,865 |
| Cost of funding earning assets | 0.1302% | 5,365 |
| Net interest margin | 3.7256% | 2,694 |
| Noninterest income to average assets | 1.6180% | 400 |
| Noninterest expense to average assets | 4.3873% | 348 |
| Loan and lease loss provision to assets | 0.0843% | 2,522 |
| Net operating income to assets | 0.3824% | 4,749 |
| Return on assets (ROA) | 0.3921% | 4,732 |
| Pretax return on assets | 0.5563% | 4,837 |
| Return on Equity (ROE) | 3.2971% | 4,748 |
| Retained earnings to average equity (ytd only) | 0.1956% | 4,940 |
| Net charge-offs to loans | 0.1699% | 1,451 |
| Credit loss provision to net charge-offs | 78.6164% | 2,961 |
| Earnings coverage of net charge-offs (x) | 5.8459% | 3,265 |
| Efficiency ratio | 87.5000% | 561 |
| Assets per employee ($millions) | 2.5350% | 5,445 |
| Cash dividends to net income (ytd only)* | 94.0671% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 3,071 |
| Loan loss allowance to noncurrent loans | 111.9532% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 0.7528% | 2,075 |
| Noncurrent loans to loans | 1.0256% | 1,733 |
| Net loans and leases to total assets | 62.8163% | 3,510 |
| Net loans and leases to deposits | 73.0569% | 3,592 |
| Net loans and leases to core deposits | 73.9375% | 3,882 |
| Total domestic deposits to total assets | 85.9827% | 2,443 |
| Equity capital to assets | 12.0874% | 1,772 |
| Core capital (leverage) ratio | 12.5228% | 1,344 |
| Tier 1 risk-based capital ratio | 15.6674% | 2,559 |
| Total risk-based capital ratio | 16.5988% | 2,620 |
| Memoranda: | ||
| Average total assets | $296,604,400 | 2,183 |
| Average earning assets | $270,371,000 | 2,205 |
| Average equity | $35,273,800 | 2,064 |
| Average total loans | $187,114,000 | 2,265 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8362% | 3,885 |
| Cost of funding earning assets | 0.1235% | 5,458 |
| Net interest margin | 3.7127% | 2,708 |
| Noninterest income to average assets | 1.5850% | 434 |
| Noninterest expense to average assets | 3.5854% | 889 |
| Loan and lease loss provision to assets | 0.0993% | 2,125 |
| Net operating income to assets | 0.9359% | 2,849 |
| Return on assets (ROA) | 0.9422% | 2,882 |
| Pretax return on assets | 1.2875% | 2,555 |
| Return on Equity (ROE) | 7.9557% | 3,146 |
| Retained earnings to average equity (ytd only) | 4.7726% | 3,035 |
| Net charge-offs to loans | 0.0459% | 2,525 |
| Credit loss provision to net charge-offs | 343.7500% | 879 |
| Earnings coverage of net charge-offs (x) | 47.7037% | 1,152 |
| Efficiency ratio | 72.2328% | 2,169 |
| Assets per employee ($millions) | 2.6789% | 5,447 |
| Cash dividends to net income (ytd only)* | 40.0097% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2614% | 2,568 |
| Loan loss allowance to noncurrent loans | 101.9336% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 0.9329% | 1,834 |
| Noncurrent loans to loans | 1.2375% | 1,539 |
| Net loans and leases to total assets | 63.8343% | 3,433 |
| Net loans and leases to deposits | 75.1324% | 3,454 |
| Net loans and leases to core deposits | 76.2038% | 3,788 |
| Total domestic deposits to total assets | 84.9624% | 2,727 |
| Equity capital to assets | 12.0096% | 1,961 |
| Core capital (leverage) ratio | 12.7142% | 1,327 |
| Tier 1 risk-based capital ratio | 15.8028% | 2,586 |
| Total risk-based capital ratio | 16.8058% | 2,635 |
| Memoranda: | ||
| Average total assets | $295,338,000 | 2,206 |
| Average earning assets | $268,765,250 | 2,233 |
| Average equity | $34,976,250 | 2,083 |
| Average total loans | $185,967,750 | 2,286 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7818% | 3,955 |
| Cost of funding earning assets | 0.1045% | 5,587 |
| Net interest margin | 3.6774% | 2,729 |
| Noninterest income to average assets | 1.6079% | 434 |
| Noninterest expense to average assets | 3.5430% | 945 |
| Loan and lease loss provision to assets | 0.0848% | 2,289 |
| Net operating income to assets | 0.9658% | 2,582 |
| Return on assets (ROA) | 0.9658% | 2,637 |
| Pretax return on assets | 1.3242% | 2,290 |
| Return on Equity (ROE) | 8.1944% | 2,918 |
| Retained earnings to average equity (ytd only) | 4.9063% | 2,773 |
| Net charge-offs to loans | 0.0326% | 2,542 |
| Credit loss provision to net charge-offs | 416.6667% | 762 |
| Earnings coverage of net charge-offs (x) | 69.2000% | 845 |
| Efficiency ratio | 71.5461% | 2,428 |
| Assets per employee ($millions) | 2.5047% | 5,552 |
| Cash dividends to net income (ytd only)* | 40.1265% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2469% | 2,708 |
| Loan loss allowance to noncurrent loans | 101.4586% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 1.0456% | 1,678 |
| Noncurrent loans to loans | 1.2290% | 1,579 |
| Net loans and leases to total assets | 63.9172% | 3,396 |
| Net loans and leases to deposits | 76.2444% | 3,314 |
| Net loans and leases to core deposits | 77.3466% | 3,650 |
| Total domestic deposits to total assets | 83.8320% | 3,269 |
| Equity capital to assets | 12.0810% | 1,877 |
| Core capital (leverage) ratio | 12.9292% | 1,201 |
| Tier 1 risk-based capital ratio | 15.6493% | 2,646 |
| Total risk-based capital ratio | 16.6282% | 2,705 |
| Memoranda: | ||
| Average total assets | $294,663,330 | 2,223 |
| Average earning assets | $267,964,330 | 2,249 |
| Average equity | $34,731,000 | 2,094 |
| Average total loans | $183,875,670 | 2,312 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7112% | 4,084 |
| Cost of funding earning assets | 0.0937% | 5,677 |
| Net interest margin | 3.6176% | 2,826 |
| Noninterest income to average assets | 1.6489% | 416 |
| Noninterest expense to average assets | 3.5320% | 998 |
| Loan and lease loss provision to assets | 0.0745% | 2,316 |
| Net operating income to assets | 0.9747% | 2,417 |
| Return on assets (ROA) | 0.9747% | 2,469 |
| Pretax return on assets | 1.3362% | 2,114 |
| Return on Equity (ROE) | 8.3733% | 2,729 |
| Retained earnings to average equity (ytd only) | 4.8495% | 2,987 |
| Net charge-offs to loans | 0.0486% | 1,880 |
| Credit loss provision to net charge-offs | 250.0000% | 880 |
| Earnings coverage of net charge-offs (x) | 47.3636% | 934 |
| Efficiency ratio | 71.4599% | 2,669 |
| Assets per employee ($millions) | 2.5225% | 5,612 |
| Cash dividends to net income (ytd only)* | 42.0833% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 2,687 |
| Loan loss allowance to noncurrent loans | 98.8407% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 1.0527% | 1,718 |
| Noncurrent loans to loans | 1.2847% | 1,571 |
| Net loans and leases to total assets | 60.6473% | 3,710 |
| Net loans and leases to deposits | 69.7515% | 3,824 |
| Net loans and leases to core deposits | 70.9706% | 4,076 |
| Total domestic deposits to total assets | 86.9477% | 2,244 |
| Equity capital to assets | 11.7244% | 2,014 |
| Core capital (leverage) ratio | 12.7663% | 1,231 |
| Tier 1 risk-based capital ratio | 16.1571% | 2,483 |
| Total risk-based capital ratio | 17.1524% | 2,539 |
| Memoranda: | ||
| Average total assets | $295,471,000 | 2,231 |
| Average earning assets | $269,020,000 | 2,254 |
| Average equity | $34,395,000 | 2,120 |
| Average total loans | $180,977,000 | 2,355 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6369% | 4,413 |
| Cost of funding earning assets | 0.0827% | 5,769 |
| Net interest margin | 3.5543% | 3,237 |
| Noninterest income to average assets | 1.6119% | 471 |
| Noninterest expense to average assets | 3.4981% | 1,163 |
| Loan and lease loss provision to assets | 0.1206% | 2,047 |
| Net operating income to assets | 0.8930% | 2,866 |
| Return on assets (ROA) | 0.9007% | 2,937 |
| Pretax return on assets | 1.2308% | 2,550 |
| Return on Equity (ROE) | 7.8272% | 3,037 |
| Retained earnings to average equity (ytd only) | 4.5924% | 2,648 |
| Net charge-offs to loans | 0.1646% | 1,640 |
| Credit loss provision to net charge-offs | 120.3390% | 2,204 |
| Earnings coverage of net charge-offs (x) | 13.3831% | 2,373 |
| Efficiency ratio | 72.2908% | 2,549 |
| Assets per employee ($millions) | 2.4858% | 5,663 |
| Cash dividends to net income (ytd only)* | 41.3273% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2560% | 2,784 |
| Loan loss allowance to noncurrent loans | 93.1063% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 1.0622% | 1,777 |
| Noncurrent loans to loans | 1.3489% | 1,525 |
| Net loans and leases to total assets | 60.3068% | 3,812 |
| Net loans and leases to deposits | 69.2501% | 3,981 |
| Net loans and leases to core deposits | 70.4549% | 4,203 |
| Total domestic deposits to total assets | 87.0855% | 2,093 |
| Equity capital to assets | 11.5572% | 2,115 |
| Core capital (leverage) ratio | 12.3821% | 1,389 |
| Tier 1 risk-based capital ratio | 16.2355% | 2,460 |
| Total risk-based capital ratio | 17.2323% | 2,489 |
| Memoranda: | ||
| Average total assets | $294,442,200 | 2,198 |
| Average earning assets | $267,340,400 | 2,237 |
| Average equity | $33,882,000 | 2,140 |
| Average total loans | $179,183,000 | 2,322 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6339% | 4,451 |
| Cost of funding earning assets | 0.0805% | 5,843 |
| Net interest margin | 3.5534% | 3,258 |
| Noninterest income to average assets | 1.5731% | 496 |
| Noninterest expense to average assets | 3.4758% | 1,193 |
| Loan and lease loss provision to assets | 0.0975% | 2,278 |
| Net operating income to assets | 0.8946% | 2,935 |
| Return on assets (ROA) | 0.9049% | 3,017 |
| Pretax return on assets | 1.2367% | 2,672 |
| Return on Equity (ROE) | 7.8722% | 3,074 |
| Retained earnings to average equity (ytd only) | 4.5356% | 3,110 |
| Net charge-offs to loans | 0.0231% | 3,221 |
| Credit loss provision to net charge-offs | 693.5484% | 569 |
| Earnings coverage of net charge-offs (x) | 93.9407% | 694 |
| Efficiency ratio | 72.4738% | 2,499 |
| Assets per employee ($millions) | 2.5375% | 5,708 |
| Cash dividends to net income (ytd only)* | 42.3847% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3370% | 2,502 |
| Loan loss allowance to noncurrent loans | 74.5019% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 1.1418% | 1,766 |
| Noncurrent loans to loans | 1.7946% | 1,154 |
| Net loans and leases to total assets | 59.9914% | 3,878 |
| Net loans and leases to deposits | 68.9736% | 4,064 |
| Net loans and leases to core deposits | 70.1803% | 4,313 |
| Total domestic deposits to total assets | 86.9772% | 1,909 |
| Equity capital to assets | 11.7461% | 2,305 |
| Core capital (leverage) ratio | 12.2683% | 1,499 |
| Tier 1 risk-based capital ratio | 16.5652% | 2,385 |
| Total risk-based capital ratio | 17.6498% | 2,406 |
| Memoranda: | ||
| Average total assets | $294,101,250 | 2,208 |
| Average earning assets | $266,740,750 | 2,243 |
| Average equity | $33,805,750 | 2,158 |
| Average total loans | $178,813,750 | 2,323 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6356% | 4,487 |
| Cost of funding earning assets | 0.0781% | 5,935 |
| Net interest margin | 3.5575% | 3,269 |
| Noninterest income to average assets | 1.5346% | 511 |
| Noninterest expense to average assets | 3.4637% | 1,234 |
| Loan and lease loss provision to assets | 0.0782% | 2,580 |
| Net operating income to assets | 0.8900% | 2,912 |
| Return on assets (ROA) | 0.8945% | 3,012 |
| Pretax return on assets | 1.2224% | 2,693 |
| Return on Equity (ROE) | 7.8392% | 3,067 |
| Retained earnings to average equity (ytd only) | 4.2326% | 3,215 |
| Net charge-offs to loans | 0.0213% | 3,067 |
| Credit loss provision to net charge-offs | 605.2632% | 557 |
| Earnings coverage of net charge-offs (x) | 100.1579% | 579 |
| Efficiency ratio | 72.7949% | 2,549 |
| Assets per employee ($millions) | 2.4455% | 5,814 |
| Cash dividends to net income (ytd only)* | 46.0076% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2825% | 2,891 |
| Loan loss allowance to noncurrent loans | 84.0627% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 1.0199% | 2,099 |
| Noncurrent loans to loans | 1.5256% | 1,426 |
| Net loans and leases to total assets | 60.4584% | 3,819 |
| Net loans and leases to deposits | 69.6107% | 4,019 |
| Net loans and leases to core deposits | 70.8332% | 4,265 |
| Total domestic deposits to total assets | 86.8522% | 1,988 |
| Equity capital to assets | 11.6284% | 2,419 |
| Core capital (leverage) ratio | 12.4445% | 1,387 |
| Tier 1 risk-based capital ratio | 16.8941% | 2,261 |
| Total risk-based capital ratio | 17.9725% | 2,293 |
| Memoranda: | ||
| Average total assets | $294,017,000 | 2,215 |
| Average earning assets | $266,420,670 | 2,255 |
| Average equity | $33,549,330 | 2,168 |
| Average total loans | $178,758,330 | 2,326 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6486% | 4,478 |
| Cost of funding earning assets | 0.0795% | 5,987 |
| Net interest margin | 3.5690% | 3,208 |
| Noninterest income to average assets | 1.4924% | 505 |
| Noninterest expense to average assets | 3.4306% | 1,316 |
| Loan and lease loss provision to assets | 0.0476% | 2,967 |
| Net operating income to assets | 0.9085% | 2,710 |
| Return on assets (ROA) | 0.9174% | 2,779 |
| Pretax return on assets | 1.2586% | 2,475 |
| Return on Equity (ROE) | 8.1175% | 2,846 |
| Retained earnings to average equity (ytd only) | 5.2192% | 2,803 |
| Net charge-offs to loans | -0.0292% | 5,054 |
| Credit loss provision to net charge-offs | -269.2308% | 4,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6122% | 2,712 |
| Assets per employee ($millions) | 2.4554% | 5,870 |
| Cash dividends to net income (ytd only)* | 35.7037% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2509% | 3,174 |
| Loan loss allowance to noncurrent loans | 85.5897% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 0.9641% | 2,300 |
| Noncurrent loans to loans | 1.4615% | 1,614 |
| Net loans and leases to total assets | 59.4798% | 3,851 |
| Net loans and leases to deposits | 68.1118% | 4,048 |
| Net loans and leases to core deposits | 69.4660% | 4,279 |
| Total domestic deposits to total assets | 87.3268% | 2,041 |
| Equity capital to assets | 11.2574% | 2,669 |
| Core capital (leverage) ratio | 12.2272% | 1,482 |
| Tier 1 risk-based capital ratio | 16.8532% | 2,345 |
| Total risk-based capital ratio | 17.9147% | 2,362 |
| Memoranda: | ||
| Average total assets | $294,294,000 | 2,221 |
| Average earning assets | $266,515,000 | 2,261 |
| Average equity | $33,261,500 | 2,185 |
| Average total loans | $178,273,500 | 2,330 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6555% | 4,503 |
| Cost of funding earning assets | 0.0858% | 6,017 |
| Net interest margin | 3.5697% | 3,242 |
| Noninterest income to average assets | 1.6730% | 467 |
| Noninterest expense to average assets | 3.5223% | 1,257 |
| Loan and lease loss provision to assets | 0.1546% | 1,517 |
| Net operating income to assets | 0.8962% | 2,892 |
| Return on assets (ROA) | 0.8962% | 2,972 |
| Pretax return on assets | 1.2215% | 2,584 |
| Return on Equity (ROE) | 7.8670% | 3,026 |
| Retained earnings to average equity (ytd only) | 5.0460% | 2,381 |
| Net charge-offs to loans | 0.2029% | 1,439 |
| Credit loss provision to net charge-offs | 124.2857% | 2,088 |
| Earnings coverage of net charge-offs (x) | 11.0600% | 2,625 |
| Efficiency ratio | 71.9065% | 2,922 |
| Assets per employee ($millions) | 2.4288% | 5,925 |
| Cash dividends to net income (ytd only)* | 35.8588% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2543% | 3,141 |
| Loan loss allowance to noncurrent loans | 68.9666% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 1.1393% | 1,921 |
| Noncurrent loans to loans | 1.8187% | 1,197 |
| Net loans and leases to total assets | 60.1683% | 3,814 |
| Net loans and leases to deposits | 69.2040% | 4,000 |
| Net loans and leases to core deposits | 70.7221% | 4,242 |
| Total domestic deposits to total assets | 86.9434% | 2,168 |
| Equity capital to assets | 11.3485% | 2,500 |
| Core capital (leverage) ratio | 12.4507% | 1,368 |
| Tier 1 risk-based capital ratio | 16.9174% | 2,315 |
| Total risk-based capital ratio | 17.9731% | 2,335 |
| Memoranda: | ||
| Average total assets | $281,295,600 | 2,262 |
| Average earning assets | $254,167,400 | 2,314 |
| Average equity | $32,045,200 | 2,197 |
| Average total loans | $172,516,400 | 2,327 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6674% | 4,532 |
| Cost of funding earning assets | 0.0877% | 6,096 |
| Net interest margin | 3.5797% | 3,237 |
| Noninterest income to average assets | 1.6900% | 460 |
| Noninterest expense to average assets | 3.5322% | 1,228 |
| Loan and lease loss provision to assets | 0.1289% | 1,758 |
| Net operating income to assets | 0.9268% | 2,823 |
| Return on assets (ROA) | 0.9268% | 2,907 |
| Pretax return on assets | 1.2638% | 2,537 |
| Return on Equity (ROE) | 8.1279% | 3,005 |
| Retained earnings to average equity (ytd only) | 5.2359% | 2,759 |
| Net charge-offs to loans | 0.0878% | 2,288 |
| Credit loss provision to net charge-offs | 238.9381% | 1,174 |
| Earnings coverage of net charge-offs (x) | 25.8235% | 1,642 |
| Efficiency ratio | 71.7221% | 2,926 |
| Assets per employee ($millions) | 2.4131% | 5,996 |
| Cash dividends to net income (ytd only)* | 35.5818% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2957% | 3,120 |
| Loan loss allowance to noncurrent loans | 70.5100% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 1.2251% | 1,927 |
| Noncurrent loans to loans | 1.8377% | 1,280 |
| Net loans and leases to total assets | 60.5091% | 3,809 |
| Net loans and leases to deposits | 69.6013% | 4,032 |
| Net loans and leases to core deposits | 71.5815% | 4,224 |
| Total domestic deposits to total assets | 86.9366% | 2,076 |
| Equity capital to assets | 11.3459% | 2,651 |
| Core capital (leverage) ratio | 12.5320% | 1,399 |
| Tier 1 risk-based capital ratio | 16.8710% | 2,418 |
| Total risk-based capital ratio | 17.9695% | 2,427 |
| Memoranda: | ||
| Average total assets | $279,363,000 | 2,292 |
| Average earning assets | $252,454,000 | 2,342 |
| Average equity | $31,856,500 | 2,221 |
| Average total loans | $171,617,750 | 2,349 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6376% | 4,615 |
| Cost of funding earning assets | 0.0889% | 6,168 |
| Net interest margin | 3.5487% | 3,297 |
| Noninterest income to average assets | 1.6917% | 470 |
| Noninterest expense to average assets | 3.5727% | 1,176 |
| Loan and lease loss provision to assets | 0.1301% | 1,702 |
| Net operating income to assets | 0.8744% | 3,019 |
| Return on assets (ROA) | 0.8744% | 3,126 |
| Pretax return on assets | 1.1895% | 2,819 |
| Return on Equity (ROE) | 7.6546% | 3,232 |
| Retained earnings to average equity (ytd only) | 4.7193% | 3,041 |
| Net charge-offs to loans | 0.1211% | 1,799 |
| Credit loss provision to net charge-offs | 174.7573% | 1,376 |
| Earnings coverage of net charge-offs (x) | 17.7282% | 1,838 |
| Efficiency ratio | 73.0281% | 2,834 |
| Assets per employee ($millions) | 2.4638% | 6,049 |
| Cash dividends to net income (ytd only)* | 38.3471% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 3,369 |
| Loan loss allowance to noncurrent loans | 57.8449% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 1.5540% | 1,569 |
| Noncurrent loans to loans | 2.2043% | 1,088 |
| Net loans and leases to total assets | 62.3156% | 3,508 |
| Net loans and leases to deposits | 71.8932% | 3,730 |
| Net loans and leases to core deposits | 74.3734% | 3,924 |
| Total domestic deposits to total assets | 86.6780% | 2,329 |
| Equity capital to assets | 11.6393% | 2,300 |
| Core capital (leverage) ratio | 12.3704% | 1,448 |
| Tier 1 risk-based capital ratio | 16.8572% | 2,464 |
| Total risk-based capital ratio | 17.9318% | 2,478 |
| Memoranda: | ||
| Average total assets | $276,763,330 | 2,328 |
| Average earning assets | $249,613,330 | 2,371 |
| Average equity | $31,615,000 | 2,239 |
| Average total loans | $170,143,670 | 2,376 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6193% | 4,630 |
| Cost of funding earning assets | 0.0908% | 6,238 |
| Net interest margin | 3.5285% | 3,307 |
| Noninterest income to average assets | 1.5689% | 500 |
| Noninterest expense to average assets | 3.5718% | 1,177 |
| Loan and lease loss provision to assets | 0.1078% | 1,909 |
| Net operating income to assets | 0.7945% | 3,294 |
| Return on assets (ROA) | 0.7945% | 3,424 |
| Pretax return on assets | 1.0704% | 3,215 |
| Return on Equity (ROE) | 7.0207% | 3,495 |
| Retained earnings to average equity (ytd only) | 4.3165% | 3,423 |
| Net charge-offs to loans | 0.0071% | 3,091 |
| Credit loss provision to net charge-offs | 2,500.0000% | 159 |
| Earnings coverage of net charge-offs (x) | 273.3333% | 210 |
| Efficiency ratio | 75.1966% | 2,634 |
| Assets per employee ($millions) | 2.4044% | 6,154 |
| Cash dividends to net income (ytd only)* | 38.5172% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3080% | 3,357 |
| Loan loss allowance to noncurrent loans | 68.2624% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 1.2682% | 2,103 |
| Noncurrent loans to loans | 1.9162% | 1,398 |
| Net loans and leases to total assets | 58.4007% | 3,887 |
| Net loans and leases to deposits | 66.9565% | 4,053 |
| Net loans and leases to core deposits | 69.2414% | 4,230 |
| Total domestic deposits to total assets | 87.2217% | 2,258 |
| Equity capital to assets | 11.2239% | 2,728 |
| Core capital (leverage) ratio | 12.3268% | 1,442 |
| Tier 1 risk-based capital ratio | 17.0481% | 2,464 |
| Total risk-based capital ratio | 18.1453% | 2,474 |
| Memoranda: | ||
| Average total assets | $278,405,500 | 2,324 |
| Average earning assets | $250,987,000 | 2,378 |
| Average equity | $31,507,000 | 2,257 |
| Average total loans | $168,905,000 | 2,379 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6898% | 4,811 |
| Cost of funding earning assets | 0.1134% | 6,283 |
| Net interest margin | 3.5764% | 3,485 |
| Noninterest income to average assets | 1.6149% | 482 |
| Noninterest expense to average assets | 3.5337% | 1,414 |
| Loan and lease loss provision to assets | 0.0584% | 3,372 |
| Net operating income to assets | 0.8931% | 2,909 |
| Return on assets (ROA) | 0.8926% | 3,000 |
| Pretax return on assets | 1.2245% | 2,551 |
| Return on Equity (ROE) | 8.1545% | 3,048 |
| Retained earnings to average equity (ytd only) | 5.4419% | 2,298 |
| Net charge-offs to loans | 0.6606% | 581 |
| Credit loss provision to net charge-offs | 14.8148% | 4,042 |
| Earnings coverage of net charge-offs (x) | 3.2546% | 3,933 |
| Efficiency ratio | 73.3530% | 2,954 |
| Assets per employee ($millions) | 2.3341% | 6,258 |
| Cash dividends to net income (ytd only)* | 33.2651% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 3,719 |
| Loan loss allowance to noncurrent loans | 62.6549% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 1.3808% | 2,018 |
| Noncurrent loans to loans | 1.9950% | 1,391 |
| Net loans and leases to total assets | 61.4431% | 3,583 |
| Net loans and leases to deposits | 70.6232% | 3,828 |
| Net loans and leases to core deposits | 73.7684% | 3,940 |
| Total domestic deposits to total assets | 87.0012% | 2,287 |
| Equity capital to assets | 11.4136% | 2,504 |
| Core capital (leverage) ratio | 12.1929% | 1,503 |
| Tier 1 risk-based capital ratio | 16.8418% | 2,582 |
| Total risk-based capital ratio | 17.9023% | 2,602 |
| Memoranda: | ||
| Average total assets | $273,821,600 | 2,328 |
| Average earning assets | $245,192,000 | 2,381 |
| Average equity | $29,971,200 | 2,271 |
| Average total loans | $163,495,600 | 2,398 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6826% | 4,911 |
| Cost of funding earning assets | 0.1180% | 6,347 |
| Net interest margin | 3.5646% | 3,578 |
| Noninterest income to average assets | 1.5474% | 527 |
| Noninterest expense to average assets | 3.4738% | 1,518 |
| Loan and lease loss provision to assets | 0.0511% | 3,352 |
| Net operating income to assets | 0.8851% | 2,985 |
| Return on assets (ROA) | 0.8851% | 3,090 |
| Pretax return on assets | 1.2126% | 2,728 |
| Return on Equity (ROE) | 8.1737% | 3,116 |
| Retained earnings to average equity (ytd only) | 5.4776% | 2,778 |
| Net charge-offs to loans | 0.3566% | 1,133 |
| Credit loss provision to net charge-offs | 24.2494% | 3,533 |
| Earnings coverage of net charge-offs (x) | 5.9977% | 3,156 |
| Efficiency ratio | 73.3258% | 2,932 |
| Assets per employee ($millions) | 2.3770% | 6,311 |
| Cash dividends to net income (ytd only)* | 32.9852% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5952% | 2,319 |
| Loan loss allowance to noncurrent loans | 55.7128% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 1.8351% | 1,608 |
| Noncurrent loans to loans | 2.8632% | 951 |
| Net loans and leases to total assets | 60.7639% | 3,663 |
| Net loans and leases to deposits | 69.4266% | 3,977 |
| Net loans and leases to core deposits | 72.7063% | 4,086 |
| Total domestic deposits to total assets | 87.5225% | 2,023 |
| Equity capital to assets | 11.2046% | 2,755 |
| Core capital (leverage) ratio | 11.9789% | 1,708 |
| Tier 1 risk-based capital ratio | 16.7297% | 2,712 |
| Total risk-based capital ratio | 17.9810% | 2,669 |
| Memoranda: | ||
| Average total assets | $274,003,250 | 2,346 |
| Average earning assets | $245,218,250 | 2,402 |
| Average equity | $29,671,500 | 2,300 |
| Average total loans | $161,889,000 | 2,425 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6798% | 4,924 |
| Cost of funding earning assets | 0.1246% | 6,389 |
| Net interest margin | 3.5552% | 3,549 |
| Noninterest income to average assets | 1.4966% | 541 |
| Noninterest expense to average assets | 3.5498% | 1,390 |
| Loan and lease loss provision to assets | 0.0219% | 3,840 |
| Net operating income to assets | 0.8090% | 3,279 |
| Return on assets (ROA) | 0.8090% | 3,385 |
| Pretax return on assets | 1.0979% | 3,110 |
| Return on Equity (ROE) | 7.5589% | 3,343 |
| Retained earnings to average equity (ytd only) | 4.9139% | 3,016 |
| Net charge-offs to loans | 0.2338% | 1,639 |
| Credit loss provision to net charge-offs | 16.1290% | 3,241 |
| Earnings coverage of net charge-offs (x) | 8.2312% | 2,523 |
| Efficiency ratio | 76.0182% | 2,628 |
| Assets per employee ($millions) | 2.2771% | 6,412 |
| Cash dividends to net income (ytd only)* | 34.9910% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7676% | 1,930 |
| Loan loss allowance to noncurrent loans | 58.4142% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 2.0338% | 1,564 |
| Noncurrent loans to loans | 3.0259% | 953 |
| Net loans and leases to total assets | 59.2302% | 3,829 |
| Net loans and leases to deposits | 67.6383% | 4,090 |
| Net loans and leases to core deposits | 70.5856% | 4,205 |
| Total domestic deposits to total assets | 87.5690% | 2,158 |
| Equity capital to assets | 11.1593% | 2,725 |
| Core capital (leverage) ratio | 12.0341% | 1,632 |
| Tier 1 risk-based capital ratio | 16.9167% | 2,656 |
| Total risk-based capital ratio | 18.1698% | 2,618 |
| Memoranda: | ||
| Average total assets | $273,425,670 | 2,347 |
| Average earning assets | $244,035,330 | 2,406 |
| Average equity | $29,263,670 | 2,314 |
| Average total loans | $159,097,330 | 2,459 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6180% | 5,117 |
| Cost of funding earning assets | 0.1306% | 6,442 |
| Net interest margin | 3.4875% | 3,751 |
| Noninterest income to average assets | 1.4375% | 568 |
| Noninterest expense to average assets | 3.6541% | 1,203 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6787% | 3,793 |
| Return on assets (ROA) | 0.6787% | 3,875 |
| Pretax return on assets | 0.8957% | 3,712 |
| Return on Equity (ROE) | 6.4776% | 3,763 |
| Retained earnings to average equity (ytd only) | 3.7948% | 3,852 |
| Net charge-offs to loans | 0.1402% | 1,881 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 11.1818% | 1,797 |
| Efficiency ratio | 80.3137% | 2,157 |
| Assets per employee ($millions) | 2.2954% | 6,467 |
| Cash dividends to net income (ytd only)* | 41.4163% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8496% | 1,900 |
| Loan loss allowance to noncurrent loans | 58.3903% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 2.0375% | 1,667 |
| Noncurrent loans to loans | 3.1677% | 973 |
| Net loans and leases to total assets | 57.1059% | 3,981 |
| Net loans and leases to deposits | 64.6750% | 4,248 |
| Net loans and leases to core deposits | 67.2043% | 4,382 |
| Total domestic deposits to total assets | 88.2966% | 2,060 |
| Equity capital to assets | 10.5397% | 3,211 |
| Core capital (leverage) ratio | 11.8520% | 1,734 |
| Tier 1 risk-based capital ratio | 16.3027% | 3,007 |
| Total risk-based capital ratio | 17.5558% | 2,969 |
| Memoranda: | ||
| Average total assets | $274,651,000 | 2,343 |
| Average earning assets | $245,105,500 | 2,397 |
| Average equity | $28,776,000 | 2,341 |
| Average total loans | $156,952,500 | 2,498 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7402% | 5,004 |
| Cost of funding earning assets | 0.1635% | 6,481 |
| Net interest margin | 3.5768% | 3,567 |
| Noninterest income to average assets | 1.7884% | 470 |
| Noninterest expense to average assets | 3.5532% | 1,544 |
| Loan and lease loss provision to assets | 0.1820% | 2,029 |
| Net operating income to assets | 0.9100% | 2,727 |
| Return on assets (ROA) | 0.9057% | 2,836 |
| Pretax return on assets | 1.2489% | 2,367 |
| Return on Equity (ROE) | 8.4593% | 2,798 |
| Retained earnings to average equity (ytd only) | 4.8569% | 2,694 |
| Net charge-offs to loans | 0.4904% | 1,357 |
| Credit loss provision to net charge-offs | 65.6292% | 3,414 |
| Earnings coverage of net charge-offs (x) | 5.1827% | 3,360 |
| Efficiency ratio | 71.2052% | 3,626 |
| Assets per employee ($millions) | 2.2258% | 6,553 |
| Cash dividends to net income (ytd only)* | 42.5849% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9986% | 1,555 |
| Loan loss allowance to noncurrent loans | 60.6012% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 2.0191% | 1,781 |
| Noncurrent loans to loans | 3.2980% | 993 |
| Net loans and leases to total assets | 54.9657% | 4,461 |
| Net loans and leases to deposits | 62.2089% | 4,701 |
| Net loans and leases to core deposits | 64.6068% | 4,814 |
| Total domestic deposits to total assets | 88.3566% | 1,977 |
| Equity capital to assets | 10.4134% | 3,273 |
| Core capital (leverage) ratio | 12.1175% | 1,527 |
| Tier 1 risk-based capital ratio | 16.7317% | 2,749 |
| Total risk-based capital ratio | 17.9860% | 2,697 |
| Memoranda: | ||
| Average total assets | $266,546,000 | 2,382 |
| Average earning assets | $238,595,000 | 2,435 |
| Average equity | $28,536,800 | 2,337 |
| Average total loans | $150,687,000 | 2,549 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7660% | 4,979 |
| Cost of funding earning assets | 0.1713% | 6,544 |
| Net interest margin | 3.5947% | 3,466 |
| Noninterest income to average assets | 1.8183% | 472 |
| Noninterest expense to average assets | 3.4773% | 1,658 |
| Loan and lease loss provision to assets | 0.0930% | 3,215 |
| Net operating income to assets | 1.0484% | 2,189 |
| Return on assets (ROA) | 1.0484% | 2,273 |
| Pretax return on assets | 1.4645% | 1,715 |
| Return on Equity (ROE) | 9.7242% | 2,296 |
| Retained earnings to average equity (ytd only) | 5.8317% | 2,522 |
| Net charge-offs to loans | 0.5190% | 1,240 |
| Credit loss provision to net charge-offs | 31.6239% | 3,863 |
| Earnings coverage of net charge-offs (x) | 5.2974% | 3,227 |
| Efficiency ratio | 69.0657% | 3,907 |
| Assets per employee ($millions) | 2.1978% | 6,645 |
| Cash dividends to net income (ytd only)* | 40.0290% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8786% | 2,066 |
| Loan loss allowance to noncurrent loans | 60.4380% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 1.8803% | 2,159 |
| Noncurrent loans to loans | 3.1083% | 1,279 |
| Net loans and leases to total assets | 57.3932% | 4,104 |
| Net loans and leases to deposits | 65.4406% | 4,362 |
| Net loans and leases to core deposits | 68.1473% | 4,514 |
| Total domestic deposits to total assets | 87.7028% | 2,297 |
| Equity capital to assets | 10.6053% | 3,157 |
| Core capital (leverage) ratio | 12.1154% | 1,607 |
| Tier 1 risk-based capital ratio | 16.3927% | 2,988 |
| Total risk-based capital ratio | 17.6457% | 2,952 |
| Memoranda: | ||
| Average total assets | $265,294,250 | 2,405 |
| Average earning assets | $237,382,750 | 2,462 |
| Average equity | $28,601,500 | 2,360 |
| Average total loans | $150,282,500 | 2,564 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7266% | 5,066 |
| Cost of funding earning assets | 0.1754% | 6,597 |
| Net interest margin | 3.5512% | 3,558 |
| Noninterest income to average assets | 1.8381% | 503 |
| Noninterest expense to average assets | 3.4400% | 1,738 |
| Loan and lease loss provision to assets | 0.0752% | 3,543 |
| Net operating income to assets | 1.0729% | 2,024 |
| Return on assets (ROA) | 1.0729% | 2,138 |
| Pretax return on assets | 1.5071% | 1,599 |
| Return on Equity (ROE) | 9.8987% | 2,236 |
| Retained earnings to average equity (ytd only) | 5.5879% | 2,680 |
| Net charge-offs to loans | 0.7855% | 800 |
| Credit loss provision to net charge-offs | 17.0940% | 3,790 |
| Earnings coverage of net charge-offs (x) | 3.5949% | 3,351 |
| Efficiency ratio | 68.4944% | 4,100 |
| Assets per employee ($millions) | 2.1919% | 6,683 |
| Cash dividends to net income (ytd only)* | 43.5484% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8550% | 2,247 |
| Loan loss allowance to noncurrent loans | 61.1655% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 1.7951% | 2,419 |
| Noncurrent loans to loans | 3.0327% | 1,465 |
| Net loans and leases to total assets | 56.1162% | 4,266 |
| Net loans and leases to deposits | 64.1415% | 4,482 |
| Net loans and leases to core deposits | 68.9823% | 4,393 |
| Total domestic deposits to total assets | 87.4882% | 2,546 |
| Equity capital to assets | 10.8438% | 2,903 |
| Core capital (leverage) ratio | 11.9457% | 1,640 |
| Tier 1 risk-based capital ratio | 16.3370% | 3,017 |
| Total risk-based capital ratio | 17.5894% | 2,978 |
| Memoranda: | ||
| Average total assets | $265,814,000 | 2,407 |
| Average earning assets | $238,340,000 | 2,462 |
| Average equity | $28,812,000 | 2,356 |
| Average total loans | $148,955,330 | 2,587 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6176% | 5,398 |
| Cost of funding earning assets | 0.1896% | 6,625 |
| Net interest margin | 3.4280% | 4,019 |
| Noninterest income to average assets | 1.8458% | 486 |
| Noninterest expense to average assets | 3.4497% | 1,722 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0447% | 2,060 |
| Return on assets (ROA) | 1.0447% | 2,166 |
| Pretax return on assets | 1.4671% | 1,662 |
| Return on Equity (ROE) | 9.6401% | 2,215 |
| Retained earnings to average equity (ytd only) | 7.0601% | 2,127 |
| Net charge-offs to loans | 0.5420% | 1,120 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 4.8800% | 2,463 |
| Efficiency ratio | 70.1620% | 3,941 |
| Assets per employee ($millions) | 2.2467% | 6,742 |
| Cash dividends to net income (ytd only)* | 26.7626% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1114% | 1,770 |
| Loan loss allowance to noncurrent loans | 55.7094% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 2.1700% | 2,155 |
| Noncurrent loans to loans | 3.7900% | 1,218 |
| Net loans and leases to total assets | 54.1763% | 4,382 |
| Net loans and leases to deposits | 61.9847% | 4,549 |
| Net loans and leases to core deposits | 66.2300% | 4,502 |
| Total domestic deposits to total assets | 87.4028% | 2,689 |
| Equity capital to assets | 10.9711% | 2,985 |
| Core capital (leverage) ratio | 11.7582% | 1,701 |
| Tier 1 risk-based capital ratio | 16.5998% | 2,951 |
| Total risk-based capital ratio | 17.8545% | 2,909 |
| Memoranda: | ||
| Average total assets | $266,110,500 | 2,433 |
| Average earning assets | $238,388,000 | 2,488 |
| Average equity | $28,838,000 | 2,393 |
| Average total loans | $147,610,500 | 2,624 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8220% | 5,768 |
| Cost of funding earning assets | 0.2553% | 6,647 |
| Net interest margin | 3.5666% | 4,241 |
| Noninterest income to average assets | 1.7503% | 534 |
| Noninterest expense to average assets | 3.6998% | 1,411 |
| Loan and lease loss provision to assets | 0.0863% | 4,621 |
| Net operating income to assets | 0.8353% | 3,116 |
| Return on assets (ROA) | 0.8353% | 3,372 |
| Pretax return on assets | 1.1480% | 2,996 |
| Return on Equity (ROE) | 7.8092% | 3,180 |
| Retained earnings to average equity (ytd only) | 5.5493% | 2,349 |
| Net charge-offs to loans | -0.0321% | 6,623 |
| Credit loss provision to net charge-offs | -468.7500% | 6,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9844% | 2,911 |
| Assets per employee ($millions) | 2.2636% | 6,795 |
| Cash dividends to net income (ytd only)* | 28.9389% | 3,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2210% | 1,525 |
| Loan loss allowance to noncurrent loans | 53.6086% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 2.5518% | 1,906 |
| Noncurrent loans to loans | 4.1429% | 1,105 |
| Net loans and leases to total assets | 54.3587% | 4,574 |
| Net loans and leases to deposits | 62.0154% | 4,783 |
| Net loans and leases to core deposits | 67.3645% | 4,606 |
| Total domestic deposits to total assets | 87.6536% | 2,445 |
| Equity capital to assets | 10.7036% | 3,279 |
| Core capital (leverage) ratio | 11.6056% | 1,802 |
| Tier 1 risk-based capital ratio | 16.6253% | 2,827 |
| Total risk-based capital ratio | 17.8820% | 2,800 |
| Memoranda: | ||
| Average total assets | $260,637,800 | 2,431 |
| Average earning assets | $232,655,400 | 2,477 |
| Average equity | $27,877,400 | 2,404 |
| Average total loans | $149,589,800 | 2,581 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8901% | 5,809 |
| Cost of funding earning assets | 0.2683% | 6,736 |
| Net interest margin | 3.6218% | 4,141 |
| Noninterest income to average assets | 1.7018% | 534 |
| Noninterest expense to average assets | 3.5729% | 1,609 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9888% | 2,567 |
| Return on assets (ROA) | 0.9888% | 2,791 |
| Pretax return on assets | 1.3672% | 2,353 |
| Return on Equity (ROE) | 9.2467% | 2,698 |
| Retained earnings to average equity (ytd only) | 7.5042% | 1,850 |
| Net charge-offs to loans | -0.2527% | 7,029 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3247% | 3,262 |
| Assets per employee ($millions) | 2.2636% | 6,885 |
| Cash dividends to net income (ytd only)* | 18.8442% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2479% | 1,612 |
| Loan loss allowance to noncurrent loans | 69.4374% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 1.9699% | 2,691 |
| Noncurrent loans to loans | 3.2372% | 1,702 |
| Net loans and leases to total assets | 54.3171% | 4,705 |
| Net loans and leases to deposits | 62.5844% | 4,897 |
| Net loans and leases to core deposits | 68.4794% | 4,678 |
| Total domestic deposits to total assets | 86.7902% | 2,805 |
| Equity capital to assets | 10.8488% | 3,443 |
| Core capital (leverage) ratio | 11.7414% | 1,814 |
| Tier 1 risk-based capital ratio | 16.9569% | 2,753 |
| Total risk-based capital ratio | 18.2142% | 2,711 |
| Memoranda: | ||
| Average total assets | $259,020,500 | 2,470 |
| Average earning assets | $231,593,250 | 2,505 |
| Average equity | $27,699,250 | 2,441 |
| Average total loans | $149,863,750 | 2,608 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9445% | 5,798 |
| Cost of funding earning assets | 0.2814% | 6,794 |
| Net interest margin | 3.6631% | 3,979 |
| Noninterest income to average assets | 1.6182% | 565 |
| Noninterest expense to average assets | 3.6541% | 1,461 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9087% | 2,869 |
| Return on assets (ROA) | 0.9087% | 3,136 |
| Pretax return on assets | 1.2447% | 2,748 |
| Return on Equity (ROE) | 8.5396% | 3,002 |
| Retained earnings to average equity (ytd only) | 6.7264% | 2,257 |
| Net charge-offs to loans | -0.5028% | 7,132 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5911% | 2,972 |
| Assets per employee ($millions) | 2.2298% | 6,957 |
| Cash dividends to net income (ytd only)* | 21.2329% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2457% | 1,678 |
| Loan loss allowance to noncurrent loans | 71.9602% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 1.9687% | 2,819 |
| Noncurrent loans to loans | 3.1207% | 1,877 |
| Net loans and leases to total assets | 56.7818% | 4,357 |
| Net loans and leases to deposits | 65.2916% | 4,607 |
| Net loans and leases to core deposits | 70.2402% | 4,511 |
| Total domestic deposits to total assets | 86.9665% | 2,785 |
| Equity capital to assets | 10.6895% | 3,469 |
| Core capital (leverage) ratio | 11.6740% | 1,798 |
| Tier 1 risk-based capital ratio | 16.2456% | 3,037 |
| Total risk-based capital ratio | 17.5029% | 3,000 |
| Memoranda: | ||
| Average total assets | $257,080,330 | 2,485 |
| Average earning assets | $230,244,000 | 2,523 |
| Average equity | $27,355,000 | 2,458 |
| Average total loans | $150,764,330 | 2,605 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9526% | 5,899 |
| Cost of funding earning assets | 0.3003% | 6,841 |
| Net interest margin | 3.6523% | 4,040 |
| Noninterest income to average assets | 1.5174% | 625 |
| Noninterest expense to average assets | 3.7824% | 1,234 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7744% | 3,508 |
| Return on assets (ROA) | 0.7744% | 3,742 |
| Pretax return on assets | 1.0142% | 3,629 |
| Return on Equity (ROE) | 7.2945% | 3,608 |
| Retained earnings to average equity (ytd only) | 5.5373% | 3,237 |
| Net charge-offs to loans | 0.0479% | 4,033 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 35.9444% | 816 |
| Efficiency ratio | 78.8562% | 2,373 |
| Assets per employee ($millions) | 2.2013% | 7,043 |
| Cash dividends to net income (ytd only)* | 24.0891% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9929% | 2,381 |
| Loan loss allowance to noncurrent loans | 61.0108% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 1.9622% | 2,960 |
| Noncurrent loans to loans | 3.2665% | 1,960 |
| Net loans and leases to total assets | 56.9089% | 4,230 |
| Net loans and leases to deposits | 64.7153% | 4,529 |
| Net loans and leases to core deposits | 70.2435% | 4,377 |
| Total domestic deposits to total assets | 87.9373% | 2,363 |
| Equity capital to assets | 10.5136% | 3,473 |
| Core capital (leverage) ratio | 11.5443% | 1,869 |
| Tier 1 risk-based capital ratio | 16.3666% | 2,980 |
| Total risk-based capital ratio | 17.6217% | 2,932 |
| Memoranda: | ||
| Average total assets | $255,180,000 | 2,518 |
| Average earning assets | $229,116,500 | 2,542 |
| Average equity | $27,089,000 | 2,470 |
| Average total loans | $150,378,500 | 2,626 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0943% | 6,289 |
| Cost of funding earning assets | 0.4642% | 6,683 |
| Net interest margin | 3.6301% | 4,607 |
| Noninterest income to average assets | 1.5189% | 569 |
| Noninterest expense to average assets | 3.6179% | 1,710 |
| Loan and lease loss provision to assets | 0.6726% | 1,521 |
| Net operating income to assets | 0.4351% | 4,715 |
| Return on assets (ROA) | 0.4351% | 4,917 |
| Pretax return on assets | 0.4868% | 5,031 |
| Return on Equity (ROE) | 4.1032% | 4,802 |
| Retained earnings to average equity (ytd only) | 4.1032% | 3,270 |
| Net charge-offs to loans | 1.5122% | 1,062 |
| Credit loss provision to net charge-offs | 71.3217% | 4,806 |
| Earnings coverage of net charge-offs (x) | 1.2294% | 4,858 |
| Efficiency ratio | 75.7302% | 2,925 |
| Assets per employee ($millions) | 2.0883% | 7,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0177% | 2,221 |
| Loan loss allowance to noncurrent loans | 61.0248% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 2.2454% | 2,687 |
| Noncurrent loans to loans | 3.3063% | 1,960 |
| Net loans and leases to total assets | 58.6191% | 4,260 |
| Net loans and leases to deposits | 66.8572% | 4,615 |
| Net loans and leases to core deposits | 72.9000% | 4,389 |
| Total domestic deposits to total assets | 87.6780% | 2,349 |
| Equity capital to assets | 10.7214% | 3,284 |
| Core capital (leverage) ratio | 11.6338% | 1,800 |
| Tier 1 risk-based capital ratio | 16.6092% | 2,771 |
| Total risk-based capital ratio | 17.8648% | 2,737 |
| Memoranda: | ||
| Average total assets | $255,117,200 | 2,470 |
| Average earning assets | $228,999,400 | 2,518 |
| Average equity | $27,051,800 | 2,393 |
| Average total loans | $159,105,000 | 2,509 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0974% | 6,418 |
| Cost of funding earning assets | 0.5016% | 6,686 |
| Net interest margin | 3.5958% | 4,787 |
| Noninterest income to average assets | 1.4007% | 664 |
| Noninterest expense to average assets | 3.5158% | 1,900 |
| Loan and lease loss provision to assets | 0.3720% | 2,621 |
| Net operating income to assets | 0.6296% | 3,968 |
| Return on assets (ROA) | 0.6296% | 4,146 |
| Pretax return on assets | 0.7430% | 4,338 |
| Return on Equity (ROE) | 5.9536% | 4,035 |
| Retained earnings to average equity (ytd only) | 5.9536% | 2,582 |
| Net charge-offs to loans | 0.7782% | 2,003 |
| Credit loss provision to net charge-offs | 75.9023% | 4,282 |
| Earnings coverage of net charge-offs (x) | 2.2749% | 3,993 |
| Efficiency ratio | 75.9213% | 2,856 |
| Assets per employee ($millions) | 2.2300% | 7,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1938% | 1,871 |
| Loan loss allowance to noncurrent loans | 52.7446% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 2.8452% | 2,278 |
| Noncurrent loans to loans | 4.1594% | 1,583 |
| Net loans and leases to total assets | 61.1692% | 3,908 |
| Net loans and leases to deposits | 69.9597% | 4,307 |
| Net loans and leases to core deposits | 78.0610% | 3,904 |
| Total domestic deposits to total assets | 87.4348% | 2,388 |
| Equity capital to assets | 10.8883% | 3,250 |
| Core capital (leverage) ratio | 11.2087% | 2,225 |
| Tier 1 risk-based capital ratio | 16.3426% | 2,944 |
| Total risk-based capital ratio | 17.6011% | 2,906 |
| Memoranda: | ||
| Average total assets | $256,246,250 | 2,469 |
| Average earning assets | $230,187,000 | 2,510 |
| Average equity | $27,097,750 | 2,391 |
| Average total loans | $161,400,000 | 2,489 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0601% | 6,554 |
| Cost of funding earning assets | 0.5283% | 6,751 |
| Net interest margin | 3.5318% | 5,006 |
| Noninterest income to average assets | 1.3343% | 709 |
| Noninterest expense to average assets | 3.5108% | 1,955 |
| Loan and lease loss provision to assets | 0.2647% | 3,283 |
| Net operating income to assets | 0.6344% | 3,887 |
| Return on assets (ROA) | 0.6344% | 4,011 |
| Pretax return on assets | 0.7333% | 4,268 |
| Return on Equity (ROE) | 6.0587% | 3,936 |
| Retained earnings to average equity (ytd only) | 6.0587% | 2,389 |
| Net charge-offs to loans | 0.3662% | 3,085 |
| Credit loss provision to net charge-offs | 114.4781% | 2,676 |
| Earnings coverage of net charge-offs (x) | 4.3165% | 2,896 |
| Efficiency ratio | 77.8660% | 2,735 |
| Assets per employee ($millions) | 2.2601% | 7,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3052% | 1,730 |
| Loan loss allowance to noncurrent loans | 60.3534% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 2.6448% | 2,522 |
| Noncurrent loans to loans | 3.8195% | 1,823 |
| Net loans and leases to total assets | 61.2610% | 4,033 |
| Net loans and leases to deposits | 69.6968% | 4,472 |
| Net loans and leases to core deposits | 77.4564% | 4,125 |
| Total domestic deposits to total assets | 87.8964% | 2,209 |
| Equity capital to assets | 10.5261% | 3,472 |
| Core capital (leverage) ratio | 11.0549% | 2,198 |
| Tier 1 risk-based capital ratio | 15.5644% | 3,208 |
| Total risk-based capital ratio | 16.8241% | 3,157 |
| Memoranda: | ||
| Average total assets | $256,922,330 | 2,482 |
| Average earning assets | $230,929,330 | 2,516 |
| Average equity | $26,903,670 | 2,393 |
| Average total loans | $162,203,000 | 2,511 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1134% | 6,479 |
| Cost of funding earning assets | 0.5728% | 6,718 |
| Net interest margin | 3.5407% | 4,847 |
| Noninterest income to average assets | 1.2277% | 841 |
| Noninterest expense to average assets | 3.6300% | 1,702 |
| Loan and lease loss provision to assets | 0.2897% | 2,833 |
| Net operating income to assets | 0.4995% | 4,492 |
| Return on assets (ROA) | 0.4995% | 4,575 |
| Pretax return on assets | 0.5027% | 5,020 |
| Return on Equity (ROE) | 4.7832% | 4,508 |
| Retained earnings to average equity (ytd only) | 4.7832% | 3,313 |
| Net charge-offs to loans | 0.4153% | 2,445 |
| Credit loss provision to net charge-offs | 110.1190% | 2,425 |
| Earnings coverage of net charge-offs (x) | 3.0119% | 2,875 |
| Efficiency ratio | 82.0822% | 2,216 |
| Assets per employee ($millions) | 2.2411% | 7,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3000% | 1,766 |
| Loan loss allowance to noncurrent loans | 61.2744% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 2.4389% | 2,786 |
| Noncurrent loans to loans | 3.7537% | 1,966 |
| Net loans and leases to total assets | 60.4419% | 4,181 |
| Net loans and leases to deposits | 68.5039% | 4,608 |
| Net loans and leases to core deposits | 76.7045% | 4,205 |
| Total domestic deposits to total assets | 88.2314% | 2,238 |
| Equity capital to assets | 10.2293% | 3,502 |
| Core capital (leverage) ratio | 11.0066% | 2,186 |
| Tier 1 risk-based capital ratio | 15.4327% | 3,188 |
| Total risk-based capital ratio | 16.6922% | 3,139 |
| Memoranda: | ||
| Average total assets | $255,430,500 | 2,517 |
| Average earning assets | $230,465,500 | 2,542 |
| Average equity | $26,676,500 | 2,400 |
| Average total loans | $161,815,500 | 2,535 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4538% | 6,513 |
| Cost of funding earning assets | 0.7139% | 6,840 |
| Net interest margin | 3.7400% | 4,177 |
| Noninterest income to average assets | 1.5928% | 573 |
| Noninterest expense to average assets | 3.5981% | 1,932 |
| Loan and lease loss provision to assets | 1.7091% | 825 |
| Net operating income to assets | -0.1931% | 6,109 |
| Return on assets (ROA) | -0.2457% | 6,212 |
| Pretax return on assets | -0.4898% | 6,311 |
| Return on Equity (ROE) | -2.2026% | 6,195 |
| Retained earnings to average equity (ytd only) | -4.5341% | 6,250 |
| Net charge-offs to loans | 2.0263% | 993 |
| Credit loss provision to net charge-offs | 126.0685% | 3,219 |
| Earnings coverage of net charge-offs (x) | 0.9600% | 5,152 |
| Efficiency ratio | 73.4379% | 3,499 |
| Assets per employee ($millions) | 2.1252% | 7,350 |
| Cash dividends to net income (ytd only)* | -105.8528% | 7,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3009% | 1,693 |
| Loan loss allowance to noncurrent loans | 61.3175% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 2.6241% | 2,653 |
| Noncurrent loans to loans | 3.7524% | 1,974 |
| Net loans and leases to total assets | 63.4227% | 3,984 |
| Net loans and leases to deposits | 72.3375% | 4,460 |
| Net loans and leases to core deposits | 80.4156% | 4,152 |
| Total domestic deposits to total assets | 87.6760% | 2,438 |
| Equity capital to assets | 10.6698% | 2,996 |
| Core capital (leverage) ratio | 11.3410% | 1,927 |
| Tier 1 risk-based capital ratio | 14.9900% | 3,258 |
| Total risk-based capital ratio | 16.2492% | 3,203 |
| Memoranda: | ||
| Average total assets | $243,349,400 | 2,607 |
| Average earning assets | $215,163,200 | 2,688 |
| Average equity | $27,149,800 | 2,366 |
| Average total loans | $162,812,400 | 2,577 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5244% | 6,549 |
| Cost of funding earning assets | 0.7329% | 6,964 |
| Net interest margin | 3.7915% | 4,003 |
| Noninterest income to average assets | 1.6020% | 546 |
| Noninterest expense to average assets | 3.6629% | 1,645 |
| Loan and lease loss provision to assets | 2.1590% | 523 |
| Net operating income to assets | -0.5156% | 6,602 |
| Return on assets (ROA) | -0.5862% | 6,706 |
| Pretax return on assets | -0.9927% | 6,858 |
| Return on Equity (ROE) | -5.1956% | 6,662 |
| Retained earnings to average equity (ytd only) | -8.2866% | 6,789 |
| Net charge-offs to loans | 2.5994% | 637 |
| Credit loss provision to net charge-offs | 123.2003% | 3,332 |
| Earnings coverage of net charge-offs (x) | 0.7284% | 5,330 |
| Efficiency ratio | 74.1579% | 3,302 |
| Assets per employee ($millions) | 2.1804% | 7,401 |
| Cash dividends to net income (ytd only)* | -59.4926% | 7,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2387% | 1,726 |
| Loan loss allowance to noncurrent loans | 74.7244% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 2.2711% | 3,117 |
| Noncurrent loans to loans | 2.9959% | 2,662 |
| Net loans and leases to total assets | 63.1067% | 4,299 |
| Net loans and leases to deposits | 71.5341% | 4,901 |
| Net loans and leases to core deposits | 79.1419% | 4,638 |
| Total domestic deposits to total assets | 88.2191% | 1,846 |
| Equity capital to assets | 10.7667% | 3,205 |
| Core capital (leverage) ratio | 11.2133% | 2,118 |
| Tier 1 risk-based capital ratio | 14.9555% | 3,272 |
| Total risk-based capital ratio | 16.2139% | 3,252 |
| Memoranda: | ||
| Average total assets | $242,023,250 | 2,661 |
| Average earning assets | $213,032,250 | 2,753 |
| Average equity | $27,304,500 | 2,389 |
| Average total loans | $163,161,250 | 2,616 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5642% | 6,553 |
| Cost of funding earning assets | 0.7558% | 7,050 |
| Net interest margin | 3.8084% | 3,861 |
| Noninterest income to average assets | 1.4118% | 636 |
| Noninterest expense to average assets | 3.7283% | 1,503 |
| Loan and lease loss provision to assets | 3.2263% | 294 |
| Net operating income to assets | -1.3859% | 7,118 |
| Return on assets (ROA) | -1.4926% | 7,158 |
| Pretax return on assets | -2.3399% | 7,332 |
| Return on Equity (ROE) | -13.0251% | 7,075 |
| Retained earnings to average equity (ytd only) | -17.6312% | 7,186 |
| Net charge-offs to loans | 3.8521% | 347 |
| Credit loss provision to net charge-offs | 122.4367% | 3,303 |
| Earnings coverage of net charge-offs (x) | 0.3997% | 5,333 |
| Efficiency ratio | 77.9735% | 2,730 |
| Assets per employee ($millions) | 2.2340% | 7,410 |
| Cash dividends to net income (ytd only)* | -35.3631% | 7,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1749% | 1,815 |
| Loan loss allowance to noncurrent loans | 73.6766% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 2.4510% | 2,937 |
| Noncurrent loans to loans | 2.9519% | 2,713 |
| Net loans and leases to total assets | 67.6782% | 3,460 |
| Net loans and leases to deposits | 76.9527% | 4,164 |
| Net loans and leases to core deposits | 83.9861% | 4,144 |
| Total domestic deposits to total assets | 87.9478% | 2,033 |
| Equity capital to assets | 10.9944% | 2,864 |
| Core capital (leverage) ratio | 11.0248% | 2,225 |
| Tier 1 risk-based capital ratio | 14.4180% | 3,486 |
| Total risk-based capital ratio | 15.6763% | 3,449 |
| Memoranda: | ||
| Average total assets | $239,843,330 | 2,700 |
| Average earning assets | $212,217,670 | 2,787 |
| Average equity | $27,485,330 | 2,377 |
| Average total loans | $164,064,330 | 2,634 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5992% | 6,564 |
| Cost of funding earning assets | 0.7647% | 7,190 |
| Net interest margin | 3.8345% | 3,649 |
| Noninterest income to average assets | 1.4716% | 549 |
| Noninterest expense to average assets | 3.7934% | 1,338 |
| Loan and lease loss provision to assets | 0.3812% | 3,076 |
| Net operating income to assets | 0.5552% | 4,110 |
| Return on assets (ROA) | 0.5552% | 4,252 |
| Pretax return on assets | 0.6878% | 4,277 |
| Return on Equity (ROE) | 4.7500% | 4,501 |
| Retained earnings to average equity (ytd only) | -1.9851% | 6,212 |
| Net charge-offs to loans | 0.4483% | 2,709 |
| Credit loss provision to net charge-offs | 125.0000% | 2,808 |
| Earnings coverage of net charge-offs (x) | 3.5054% | 2,890 |
| Efficiency ratio | 78.0164% | 2,893 |
| Assets per employee ($millions) | 1.9133% | 7,711 |
| Cash dividends to net income (ytd only)* | 141.7910% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7651% | 2,842 |
| Loan loss allowance to noncurrent loans | 147.3577% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 1.1718% | 4,830 |
| Noncurrent loans to loans | 1.1978% | 4,964 |
| Net loans and leases to total assets | 66.9500% | 3,645 |
| Net loans and leases to deposits | 77.5731% | 4,117 |
| Net loans and leases to core deposits | 86.2876% | 3,851 |
| Total domestic deposits to total assets | 86.3056% | 2,982 |
| Equity capital to assets | 11.7083% | 2,224 |
| Core capital (leverage) ratio | 12.0545% | 1,630 |
| Tier 1 risk-based capital ratio | 15.6851% | 2,789 |
| Total risk-based capital ratio | 16.9387% | 2,734 |
| Memoranda: | ||
| Average total assets | $241,363,500 | 2,748 |
| Average earning assets | $213,429,500 | 2,824 |
| Average equity | $28,210,500 | 2,358 |
| Average total loans | $164,183,000 | 2,697 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8326% | 6,878 |
| Cost of funding earning assets | 0.8790% | 7,439 |
| Net interest margin | 3.9537% | 3,063 |
| Noninterest income to average assets | 1.5400% | 601 |
| Noninterest expense to average assets | 3.7257% | 1,851 |
| Loan and lease loss provision to assets | 0.5277% | 3,732 |
| Net operating income to assets | 0.6175% | 3,267 |
| Return on assets (ROA) | 0.5215% | 3,734 |
| Pretax return on assets | 0.6777% | 3,653 |
| Return on Equity (ROE) | 4.3983% | 3,928 |
| Retained earnings to average equity (ytd only) | -2.5268% | 5,619 |
| Net charge-offs to loans | 0.6459% | 3,256 |
| Credit loss provision to net charge-offs | 121.0677% | 4,406 |
| Earnings coverage of net charge-offs (x) | 3.0515% | 3,548 |
| Efficiency ratio | 73.6911% | 3,963 |
| Assets per employee ($millions) | 1.9332% | 7,765 |
| Cash dividends to net income (ytd only)* | 157.4502% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7396% | 2,750 |
| Loan loss allowance to noncurrent loans | 351.4778% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.7656% | 5,568 |
| Noncurrent loans to loans | 0.4949% | 6,263 |
| Net loans and leases to total assets | 66.7126% | 3,984 |
| Net loans and leases to deposits | 77.2672% | 4,513 |
| Net loans and leases to core deposits | 91.4932% | 4,948 |
| Total domestic deposits to total assets | 86.3402% | 2,848 |
| Equity capital to assets | 11.6677% | 2,208 |
| Core capital (leverage) ratio | 12.3454% | 1,514 |
| Tier 1 risk-based capital ratio | 15.7495% | 2,620 |
| Total risk-based capital ratio | 17.0028% | 2,555 |
| Memoranda: | ||
| Average total assets | $240,649,800 | 2,713 |
| Average earning assets | $214,004,000 | 2,778 |
| Average equity | $28,533,600 | 2,330 |
| Average total loans | $162,418,400 | 2,724 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8740% | 6,949 |
| Cost of funding earning assets | 0.9119% | 7,534 |
| Net interest margin | 3.9621% | 2,986 |
| Noninterest income to average assets | 1.6267% | 556 |
| Noninterest expense to average assets | 3.6821% | 1,864 |
| Loan and lease loss provision to assets | 0.4354% | 3,726 |
| Net operating income to assets | 0.8036% | 2,801 |
| Return on assets (ROA) | 0.8036% | 2,866 |
| Pretax return on assets | 1.0443% | 2,759 |
| Return on Equity (ROE) | 6.7508% | 3,181 |
| Retained earnings to average equity (ytd only) | -0.1537% | 5,248 |
| Net charge-offs to loans | 0.6716% | 2,680 |
| Credit loss provision to net charge-offs | 96.2010% | 5,295 |
| Earnings coverage of net charge-offs (x) | 3.2696% | 3,603 |
| Efficiency ratio | 71.3334% | 4,358 |
| Assets per employee ($millions) | 1.8988% | 7,855 |
| Cash dividends to net income (ytd only)* | 102.2775% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5749% | 3,102 |
| Loan loss allowance to noncurrent loans | 121.4186% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 1.0866% | 4,905 |
| Noncurrent loans to loans | 1.2971% | 4,775 |
| Net loans and leases to total assets | 68.5113% | 3,845 |
| Net loans and leases to deposits | 79.9875% | 4,389 |
| Net loans and leases to core deposits | 94.4743% | 4,975 |
| Total domestic deposits to total assets | 85.6525% | 2,885 |
| Equity capital to assets | 12.1145% | 2,180 |
| Core capital (leverage) ratio | 12.5317% | 1,570 |
| Tier 1 risk-based capital ratio | 16.0365% | 2,616 |
| Total risk-based capital ratio | 17.2882% | 2,546 |
| Memoranda: | ||
| Average total assets | $240,399,750 | 2,730 |
| Average earning assets | $214,492,000 | 2,793 |
| Average equity | $28,618,250 | 2,349 |
| Average total loans | $162,006,750 | 2,757 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8968% | 7,035 |
| Cost of funding earning assets | 0.9449% | 7,632 |
| Net interest margin | 3.9519% | 2,882 |
| Noninterest income to average assets | 1.6685% | 528 |
| Noninterest expense to average assets | 3.6394% | 1,974 |
| Loan and lease loss provision to assets | 0.2113% | 4,933 |
| Net operating income to assets | 0.9966% | 2,120 |
| Return on assets (ROA) | 0.9966% | 2,216 |
| Pretax return on assets | 1.3346% | 1,916 |
| Return on Equity (ROE) | 8.4205% | 2,601 |
| Retained earnings to average equity (ytd only) | 1.3649% | 4,579 |
| Net charge-offs to loans | 0.4722% | 2,943 |
| Credit loss provision to net charge-offs | 67.1053% | 5,474 |
| Earnings coverage of net charge-offs (x) | 4.9105% | 2,962 |
| Efficiency ratio | 70.1869% | 4,740 |
| Assets per employee ($millions) | 1.8762% | 7,932 |
| Cash dividends to net income (ytd only)* | 83.7905% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5555% | 2,929 |
| Loan loss allowance to noncurrent loans | 112.0143% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 1.1611% | 4,614 |
| Noncurrent loans to loans | 1.3887% | 4,435 |
| Net loans and leases to total assets | 67.6799% | 4,213 |
| Net loans and leases to deposits | 79.7559% | 4,579 |
| Net loans and leases to core deposits | 94.3517% | 5,073 |
| Total domestic deposits to total assets | 84.8588% | 3,331 |
| Equity capital to assets | 12.2984% | 2,029 |
| Core capital (leverage) ratio | 12.5333% | 1,609 |
| Tier 1 risk-based capital ratio | 16.5365% | 2,434 |
| Total risk-based capital ratio | 17.7880% | 2,378 |
| Memoranda: | ||
| Average total assets | $241,415,670 | 2,737 |
| Average earning assets | $214,833,330 | 2,814 |
| Average equity | $28,573,000 | 2,367 |
| Average total loans | $160,937,330 | 2,802 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9540% | 7,050 |
| Cost of funding earning assets | 0.9635% | 7,730 |
| Net interest margin | 3.9905% | 2,684 |
| Noninterest income to average assets | 1.5960% | 540 |
| Noninterest expense to average assets | 3.5792% | 1,909 |
| Loan and lease loss provision to assets | 0.1470% | 5,060 |
| Net operating income to assets | 1.0275% | 2,203 |
| Return on assets (ROA) | 1.0275% | 2,345 |
| Pretax return on assets | 1.4081% | 1,944 |
| Return on Equity (ROE) | 8.8473% | 2,782 |
| Retained earnings to average equity (ytd only) | 1.3362% | 5,100 |
| Net charge-offs to loans | 0.5622% | 2,062 |
| Credit loss provision to net charge-offs | 39.8230% | 4,824 |
| Earnings coverage of net charge-offs (x) | 4.2124% | 2,945 |
| Efficiency ratio | 69.7105% | 4,640 |
| Assets per employee ($millions) | 1.9739% | 7,917 |
| Cash dividends to net income (ytd only)* | 84.8967% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5399% | 2,767 |
| Loan loss allowance to noncurrent loans | 101.5041% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 1.1464% | 4,383 |
| Noncurrent loans to loans | 1.5171% | 4,010 |
| Net loans and leases to total assets | 65.2277% | 4,759 |
| Net loans and leases to deposits | 76.0496% | 5,219 |
| Net loans and leases to core deposits | 89.0732% | 5,639 |
| Total domestic deposits to total assets | 85.7700% | 2,843 |
| Equity capital to assets | 11.6112% | 2,516 |
| Core capital (leverage) ratio | 12.4492% | 1,707 |
| Tier 1 risk-based capital ratio | 16.3978% | 2,554 |
| Total risk-based capital ratio | 17.6490% | 2,498 |
| Memoranda: | ||
| Average total assets | $244,860,500 | 2,711 |
| Average earning assets | $217,118,000 | 2,795 |
| Average equity | $28,438,000 | 2,388 |
| Average total loans | $160,788,500 | 2,830 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9150% | 5,962 |
| Cost of funding earning assets | 1.6218% | 7,400 |
| Net interest margin | 4.2932% | 2,000 |
| Noninterest income to average assets | 1.4215% | 709 |
| Noninterest expense to average assets | 3.5335% | 2,306 |
| Loan and lease loss provision to assets | 0.4301% | 3,137 |
| Net operating income to assets | 0.9643% | 2,724 |
| Return on assets (ROA) | 0.9643% | 2,600 |
| Pretax return on assets | 1.2622% | 2,438 |
| Return on Equity (ROE) | 7.9534% | 3,092 |
| Retained earnings to average equity (ytd only) | 0.8215% | 4,733 |
| Net charge-offs to loans | 0.4179% | 2,731 |
| Credit loss provision to net charge-offs | 159.5420% | 3,240 |
| Earnings coverage of net charge-offs (x) | 6.2779% | 3,402 |
| Efficiency ratio | 67.6169% | 4,794 |
| Assets per employee ($millions) | 1.9137% | 7,974 |
| Cash dividends to net income (ytd only)* | 89.6714% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6515% | 2,059 |
| Loan loss allowance to noncurrent loans | 103.5799% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 1.2565% | 3,714 |
| Noncurrent loans to loans | 1.5945% | 3,379 |
| Net loans and leases to total assets | 64.0084% | 5,274 |
| Net loans and leases to deposits | 78.3037% | 5,291 |
| Net loans and leases to core deposits | 92.0104% | 5,638 |
| Total domestic deposits to total assets | 81.7437% | 4,300 |
| Equity capital to assets | 11.6167% | 2,557 |
| Core capital (leverage) ratio | 12.8311% | 1,603 |
| Tier 1 risk-based capital ratio | 16.7209% | 2,412 |
| Total risk-based capital ratio | 17.9735% | 2,346 |
| Memoranda: | ||
| Average total assets | $242,985,200 | 2,628 |
| Average earning assets | $215,317,600 | 2,705 |
| Average equity | $29,459,000 | 2,296 |
| Average total loans | $156,742,800 | 2,823 |