Home > Chelsea State Bank > Performance and Condition Ratios
Chelsea State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1220% | 1,816 |
| Cost of funding earning assets | 0.7915% | 3,756 |
| Net interest margin | 4.3305% | 772 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.2497% | 2,982 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 2.0644% | 425 |
| Return on assets (ROA) | 2.0738% | 408 |
| Pretax return on assets | 2.0738% | 607 |
| Return on Equity (ROE) | 23.6500% | 366 |
| Retained earnings to average equity (ytd only) | 10.6063% | 875 |
| Net charge-offs to loans | 0.0186% | 1,985 |
| Credit loss provision to net charge-offs | 867.4419% | 458 |
| Earnings coverage of net charge-offs (x) | 207.5581% | 575 |
| Efficiency ratio | 51.1253% | 3,901 |
| Assets per employee ($millions) | 7.2080% | 1,930 |
| Cash dividends to net income (ytd only)* | 55.1592% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7326% | 616 |
| Loan loss allowance to noncurrent loans | 2,208.3333% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.1962% | 2,240 |
| Noncurrent loans to loans | 0.0785% | 3,158 |
| Net loans and leases to total assets | 59.5800% | 2,882 |
| Net loans and leases to deposits | 66.4749% | 3,141 |
| Net loans and leases to core deposits | 67.9246% | 3,412 |
| Total domestic deposits to total assets | 89.6200% | 870 |
| Equity capital to assets | 9.7793% | 2,138 |
| Core capital (leverage) ratio | 11.4752% | 1,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8514% | 809 |
| Memoranda: | ||
| Average total assets | $414,985,000 | 1,970 |
| Average earning assets | $390,902,600 | 1,950 |
| Average equity | $36,384,200 | 2,003 |
| Average total loans | $230,619,200 | 2,099 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0174% | 1,797 |
| Cost of funding earning assets | 0.7778% | 3,582 |
| Net interest margin | 4.2397% | 874 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.1722% | 3,150 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 2.0867% | 443 |
| Return on assets (ROA) | 2.0934% | 433 |
| Pretax return on assets | 2.0934% | 664 |
| Return on Equity (ROE) | 24.5600% | 406 |
| Retained earnings to average equity (ytd only) | 16.5634% | 418 |
| Net charge-offs to loans | -0.0088% | 3,896 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 50.3067% | 3,891 |
| Assets per employee ($millions) | 7.2033% | 1,821 |
| Cash dividends to net income (ytd only)* | 32.5610% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7505% | 631 |
| Loan loss allowance to noncurrent loans | 2,303.9106% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.1931% | 2,305 |
| Noncurrent loans to loans | 0.0760% | 3,212 |
| Net loans and leases to total assets | 57.3800% | 3,088 |
| Net loans and leases to deposits | 63.2470% | 3,309 |
| Net loans and leases to core deposits | 64.4059% | 3,508 |
| Total domestic deposits to total assets | 90.7300% | 736 |
| Equity capital to assets | 8.7495% | 2,572 |
| Core capital (leverage) ratio | 11.4273% | 1,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6185% | 743 |
| Memoranda: | ||
| Average total assets | $417,819,500 | 1,962 |
| Average earning assets | $393,764,000 | 1,930 |
| Average equity | $35,611,750 | 2,024 |
| Average total loans | $227,093,250 | 2,118 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9166% | 1,724 |
| Cost of funding earning assets | 0.7579% | 3,328 |
| Net interest margin | 4.1587% | 990 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.1328% | 3,260 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 2.0311% | 443 |
| Return on assets (ROA) | 2.0387% | 434 |
| Pretax return on assets | 2.0387% | 703 |
| Return on Equity (ROE) | 24.1200% | 420 |
| Retained earnings to average equity (ytd only) | 16.1489% | 456 |
| Net charge-offs to loans | -0.0107% | 3,932 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.9842% | 3,851 |
| Assets per employee ($millions) | 7.3615% | 1,695 |
| Cash dividends to net income (ytd only)* | 33.0548% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7398% | 689 |
| Loan loss allowance to noncurrent loans | 56,828.5714% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.1472% | 2,518 |
| Noncurrent loans to loans | 0.0031% | 3,808 |
| Net loans and leases to total assets | 54.5000% | 3,234 |
| Net loans and leases to deposits | 60.1464% | 3,405 |
| Net loans and leases to core deposits | 60.9262% | 3,582 |
| Total domestic deposits to total assets | 90.6100% | 755 |
| Equity capital to assets | 8.9081% | 2,584 |
| Core capital (leverage) ratio | 11.0318% | 1,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2947% | 785 |
| Memoranda: | ||
| Average total assets | $422,632,000 | 1,942 |
| Average earning assets | $398,444,000 | 1,913 |
| Average equity | $35,717,667 | 2,032 |
| Average total loans | $224,260,000 | 2,131 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7643% | 1,709 |
| Cost of funding earning assets | 0.7289% | 2,962 |
| Net interest margin | 4.0353% | 1,201 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 2.0831% | 3,421 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.0186% | 476 |
| Return on assets (ROA) | 2.0279% | 462 |
| Pretax return on assets | 2.0279% | 738 |
| Return on Equity (ROE) | 24.6400% | 420 |
| Retained earnings to average equity (ytd only) | 16.5498% | 635 |
| Net charge-offs to loans | -0.0108% | 3,865 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.7980% | 3,870 |
| Assets per employee ($millions) | 7.8408% | 1,440 |
| Cash dividends to net income (ytd only)* | 32.8262% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7478% | 727 |
| Loan loss allowance to noncurrent loans | 48,975.0000% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.1410% | 2,524 |
| Noncurrent loans to loans | 0.0036% | 3,829 |
| Net loans and leases to total assets | 51.0700% | 3,415 |
| Net loans and leases to deposits | 56.2442% | 3,558 |
| Net loans and leases to core deposits | 56.8053% | 3,700 |
| Total domestic deposits to total assets | 90.8100% | 861 |
| Equity capital to assets | 8.5599% | 2,843 |
| Core capital (leverage) ratio | 10.3408% | 2,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1387% | 827 |
| Memoranda: | ||
| Average total assets | $427,826,500 | 1,949 |
| Average earning assets | $405,517,000 | 1,917 |
| Average equity | $35,215,000 | 2,074 |
| Average total loans | $222,064,000 | 2,159 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6616% | 2,638 |
| Cost of funding earning assets | 0.2410% | 3,406 |
| Net interest margin | 3.4206% | 2,185 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 1.9999% | 3,575 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5341% | 808 |
| Return on assets (ROA) | 1.5327% | 785 |
| Pretax return on assets | 1.5327% | 1,355 |
| Return on Equity (ROE) | 18.4700% | 636 |
| Retained earnings to average equity (ytd only) | 7.9821% | 1,839 |
| Net charge-offs to loans | 0.0175% | 1,755 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 176.0000% | 712 |
| Efficiency ratio | 56.5912% | 3,517 |
| Assets per employee ($millions) | 8.0077% | 1,318 |
| Cash dividends to net income (ytd only)* | 56.7794% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8495% | 594 |
| Loan loss allowance to noncurrent loans | 22,600.0000% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.1456% | 2,517 |
| Noncurrent loans to loans | 0.0082% | 3,797 |
| Net loans and leases to total assets | 50.8700% | 3,443 |
| Net loans and leases to deposits | 55.5494% | 3,601 |
| Net loans and leases to core deposits | 55.9880% | 3,718 |
| Total domestic deposits to total assets | 91.5700% | 761 |
| Equity capital to assets | 7.8971% | 3,121 |
| Core capital (leverage) ratio | 9.8106% | 2,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9051% | 841 |
| Memoranda: | ||
| Average total assets | $435,962,200 | 1,903 |
| Average earning assets | $413,617,200 | 1,865 |
| Average equity | $36,180,800 | 2,061 |
| Average total loans | $216,869,200 | 2,123 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3716% | 2,988 |
| Cost of funding earning assets | 0.1475% | 3,869 |
| Net interest margin | 3.2241% | 2,555 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 1.9143% | 3,717 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4507% | 952 |
| Return on assets (ROA) | 1.4471% | 938 |
| Pretax return on assets | 1.4471% | 1,565 |
| Return on Equity (ROE) | 17.2300% | 755 |
| Retained earnings to average equity (ytd only) | 12.0857% | 779 |
| Net charge-offs to loans | 0.0395% | 1,101 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 74.6094% | 1,081 |
| Efficiency ratio | 56.8888% | 3,532 |
| Assets per employee ($millions) | 8.2368% | 1,200 |
| Cash dividends to net income (ytd only)* | 29.8761% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8575% | 654 |
| Loan loss allowance to noncurrent loans | 18,372.7273% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.1425% | 2,612 |
| Noncurrent loans to loans | 0.0101% | 3,872 |
| Net loans and leases to total assets | 48.9200% | 3,537 |
| Net loans and leases to deposits | 53.7816% | 3,615 |
| Net loans and leases to core deposits | 54.3740% | 3,722 |
| Total domestic deposits to total assets | 90.9600% | 1,257 |
| Equity capital to assets | 7.4385% | 3,254 |
| Core capital (leverage) ratio | 9.9693% | 2,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2344% | 826 |
| Memoranda: | ||
| Average total assets | $438,850,750 | 1,898 |
| Average earning assets | $416,770,500 | 1,866 |
| Average equity | $36,847,000 | 2,075 |
| Average total loans | $216,097,250 | 2,130 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1743% | 3,132 |
| Cost of funding earning assets | 0.1105% | 4,074 |
| Net interest margin | 3.0638% | 2,667 |
| Noninterest income to average assets | 0.3030% | 3,344 |
| Noninterest expense to average assets | 1.8662% | 3,791 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3516% | 1,019 |
| Return on assets (ROA) | 1.3457% | 1,014 |
| Pretax return on assets | 1.3457% | 1,594 |
| Return on Equity (ROE) | 15.4445% | 808 |
| Retained earnings to average equity (ytd only) | 10.4947% | 906 |
| Net charge-offs to loans | 0.0631% | 777 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 43.6912% | 1,216 |
| Efficiency ratio | 57.9952% | 3,562 |
| Assets per employee ($millions) | 8.0995% | 1,248 |
| Cash dividends to net income (ytd only)* | 32.0487% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8440% | 750 |
| Loan loss allowance to noncurrent loans | 16,825.0000% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.1454% | 2,706 |
| Noncurrent loans to loans | 0.0110% | 3,903 |
| Net loans and leases to total assets | 50.0713% | 3,372 |
| Net loans and leases to deposits | 54.7347% | 3,493 |
| Net loans and leases to core deposits | 55.4868% | 3,612 |
| Total domestic deposits to total assets | 91.4800% | 1,035 |
| Equity capital to assets | 8.0790% | 3,059 |
| Core capital (leverage) ratio | 9.7705% | 2,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6729% | 895 |
| Memoranda: | ||
| Average total assets | $439,617,000 | 1,904 |
| Average earning assets | $418,238,000 | 1,888 |
| Average equity | $38,305,000 | 2,069 |
| Average total loans | $215,594,667 | 2,142 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9755% | 3,325 |
| Cost of funding earning assets | 0.0990% | 4,141 |
| Net interest margin | 2.8765% | 2,908 |
| Noninterest income to average assets | 0.3318% | 3,111 |
| Noninterest expense to average assets | 1.8589% | 3,785 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2159% | 1,210 |
| Return on assets (ROA) | 1.2087% | 1,215 |
| Pretax return on assets | 1.2087% | 1,782 |
| Return on Equity (ROE) | 13.4008% | 955 |
| Retained earnings to average equity (ytd only) | 8.6746% | 1,377 |
| Net charge-offs to loans | -0.0112% | 3,633 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4563% | 3,441 |
| Assets per employee ($millions) | 9.0218% | 905 |
| Cash dividends to net income (ytd only)* | 35.2679% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9109% | 725 |
| Loan loss allowance to noncurrent loans | 1,195.3488% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.2093% | 2,381 |
| Noncurrent loans to loans | 0.1599% | 3,005 |
| Net loans and leases to total assets | 46.7913% | 3,507 |
| Net loans and leases to deposits | 51.6805% | 3,592 |
| Net loans and leases to core deposits | 52.7551% | 3,685 |
| Total domestic deposits to total assets | 90.5395% | 1,275 |
| Equity capital to assets | 8.3866% | 3,254 |
| Core capital (leverage) ratio | 9.3649% | 2,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3243% | 996 |
| Memoranda: | ||
| Average total assets | $444,788,500 | 1,896 |
| Average earning assets | $424,124,000 | 1,875 |
| Average equity | $40,117,000 | 2,050 |
| Average total loans | $213,901,500 | 2,147 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3901% | 2,949 |
| Cost of funding earning assets | 0.1100% | 4,308 |
| Net interest margin | 3.2800% | 2,362 |
| Noninterest income to average assets | 0.2948% | 3,636 |
| Noninterest expense to average assets | 1.9164% | 3,890 |
| Loan and lease loss provision to assets | 0.0315% | 2,422 |
| Net operating income to assets | 1.4680% | 1,084 |
| Return on assets (ROA) | 1.4740% | 1,131 |
| Pretax return on assets | 1.4740% | 1,806 |
| Return on Equity (ROE) | 14.3498% | 1,092 |
| Retained earnings to average equity (ytd only) | 6.3832% | 2,182 |
| Net charge-offs to loans | -0.0189% | 3,951 |
| Credit loss provision to net charge-offs | -317.0732% | 3,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1028% | 3,699 |
| Assets per employee ($millions) | 8.2734% | 1,184 |
| Cash dividends to net income (ytd only)* | 55.5172% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9311% | 687 |
| Loan loss allowance to noncurrent loans | 1,225.6716% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.2132% | 2,495 |
| Noncurrent loans to loans | 0.1576% | 3,145 |
| Net loans and leases to total assets | 47.5531% | 3,532 |
| Net loans and leases to deposits | 52.9300% | 3,670 |
| Net loans and leases to core deposits | 54.0721% | 3,748 |
| Total domestic deposits to total assets | 89.8415% | 1,036 |
| Equity capital to assets | 9.6703% | 2,972 |
| Core capital (leverage) ratio | 9.3198% | 3,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0817% | 880 |
| Memoranda: | ||
| Average total assets | $412,543,000 | 1,948 |
| Average earning assets | $392,559,400 | 1,931 |
| Average equity | $42,376,800 | 2,004 |
| Average total loans | $216,589,800 | 2,124 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4721% | 2,922 |
| Cost of funding earning assets | 0.1094% | 4,429 |
| Net interest margin | 3.3627% | 2,258 |
| Noninterest income to average assets | 0.2922% | 3,700 |
| Noninterest expense to average assets | 1.9150% | 3,907 |
| Loan and lease loss provision to assets | 0.0426% | 2,142 |
| Net operating income to assets | 1.5334% | 1,185 |
| Return on assets (ROA) | 1.5390% | 1,218 |
| Pretax return on assets | 1.5390% | 1,880 |
| Return on Equity (ROE) | 14.7490% | 1,188 |
| Retained earnings to average equity (ytd only) | 10.0886% | 1,289 |
| Net charge-offs to loans | -0.0202% | 3,973 |
| Credit loss provision to net charge-offs | -393.9394% | 3,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8533% | 3,685 |
| Assets per employee ($millions) | 7.6437% | 1,475 |
| Cash dividends to net income (ytd only)* | 31.5980% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9097% | 752 |
| Loan loss allowance to noncurrent loans | 1,208.8496% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.2318% | 2,616 |
| Noncurrent loans to loans | 0.1580% | 3,336 |
| Net loans and leases to total assets | 51.9590% | 3,193 |
| Net loans and leases to deposits | 58.5316% | 3,361 |
| Net loans and leases to core deposits | 59.9166% | 3,472 |
| Total domestic deposits to total assets | 88.7708% | 1,419 |
| Equity capital to assets | 10.7441% | 2,224 |
| Core capital (leverage) ratio | 10.0555% | 2,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8861% | 835 |
| Memoranda: | ||
| Average total assets | $406,056,500 | 1,991 |
| Average earning assets | $386,269,500 | 1,967 |
| Average equity | $42,370,250 | 2,028 |
| Average total loans | $217,582,000 | 2,148 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4612% | 3,002 |
| Cost of funding earning assets | 0.1091% | 4,515 |
| Net interest margin | 3.3521% | 2,293 |
| Noninterest income to average assets | 0.2879% | 3,701 |
| Noninterest expense to average assets | 1.9273% | 3,901 |
| Loan and lease loss provision to assets | 0.0541% | 1,950 |
| Net operating income to assets | 1.4957% | 1,306 |
| Return on assets (ROA) | 1.5016% | 1,351 |
| Pretax return on assets | 1.5016% | 2,011 |
| Return on Equity (ROE) | 14.5338% | 1,275 |
| Retained earnings to average equity (ytd only) | 9.7368% | 1,488 |
| Net charge-offs to loans | -0.0284% | 4,137 |
| Credit loss provision to net charge-offs | -354.8387% | 3,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4282% | 3,614 |
| Assets per employee ($millions) | 7.6082% | 1,413 |
| Cash dividends to net income (ytd only)* | 33.0056% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9088% | 728 |
| Loan loss allowance to noncurrent loans | 10,726.3158% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.1553% | 3,225 |
| Noncurrent loans to loans | 0.0178% | 4,132 |
| Net loans and leases to total assets | 50.9838% | 3,450 |
| Net loans and leases to deposits | 57.2075% | 3,621 |
| Net loans and leases to core deposits | 58.5355% | 3,726 |
| Total domestic deposits to total assets | 89.1209% | 1,219 |
| Equity capital to assets | 10.3889% | 2,500 |
| Core capital (leverage) ratio | 9.6951% | 2,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $406,370,667 | 1,982 |
| Average earning assets | $386,625,000 | 1,958 |
| Average equity | $41,985,000 | 2,034 |
| Average total loans | $218,579,000 | 2,152 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5880% | 2,681 |
| Cost of funding earning assets | 0.1094% | 4,594 |
| Net interest margin | 3.4786% | 1,887 |
| Noninterest income to average assets | 0.3098% | 3,552 |
| Noninterest expense to average assets | 1.9370% | 3,894 |
| Loan and lease loss provision to assets | 0.0594% | 1,935 |
| Net operating income to assets | 1.6193% | 1,093 |
| Return on assets (ROA) | 1.6321% | 1,109 |
| Pretax return on assets | 1.6321% | 1,643 |
| Return on Equity (ROE) | 15.8419% | 1,049 |
| Retained earnings to average equity (ytd only) | 10.1546% | 1,614 |
| Net charge-offs to loans | -0.0488% | 4,380 |
| Credit loss provision to net charge-offs | -222.2222% | 2,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5724% | 3,835 |
| Assets per employee ($millions) | 8.2543% | 1,076 |
| Cash dividends to net income (ytd only)* | 35.9005% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7686% | 921 |
| Loan loss allowance to noncurrent loans | 9,809.7561% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.1493% | 3,420 |
| Noncurrent loans to loans | 0.0180% | 4,199 |
| Net loans and leases to total assets | 52.0440% | 3,446 |
| Net loans and leases to deposits | 58.0054% | 3,644 |
| Net loans and leases to core deposits | 58.5942% | 3,796 |
| Total domestic deposits to total assets | 89.7228% | 946 |
| Equity capital to assets | 9.7287% | 2,966 |
| Core capital (leverage) ratio | 9.6463% | 2,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $404,134,000 | 1,980 |
| Average earning assets | $384,057,500 | 1,954 |
| Average equity | $41,636,500 | 2,033 |
| Average total loans | $221,098,500 | 2,145 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6847% | 3,615 |
| Cost of funding earning assets | 0.1428% | 4,750 |
| Net interest margin | 3.5419% | 2,335 |
| Noninterest income to average assets | 0.2374% | 4,079 |
| Noninterest expense to average assets | 2.1631% | 3,775 |
| Loan and lease loss provision to assets | 0.0792% | 3,386 |
| Net operating income to assets | 1.3354% | 1,161 |
| Return on assets (ROA) | 1.3342% | 1,257 |
| Pretax return on assets | 1.3342% | 1,869 |
| Return on Equity (ROE) | 11.6782% | 1,421 |
| Retained earnings to average equity (ytd only) | 4.7926% | 2,374 |
| Net charge-offs to loans | -0.0069% | 4,191 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4603% | 3,390 |
| Assets per employee ($millions) | 7.2893% | 1,404 |
| Cash dividends to net income (ytd only)* | 58.9608% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8320% | 811 |
| Loan loss allowance to noncurrent loans | 213.2791% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.6450% | 1,628 |
| Noncurrent loans to loans | 0.8590% | 1,643 |
| Net loans and leases to total assets | 55.6280% | 3,334 |
| Net loans and leases to deposits | 62.8589% | 3,537 |
| Net loans and leases to core deposits | 63.5914% | 3,721 |
| Total domestic deposits to total assets | 88.4966% | 1,230 |
| Equity capital to assets | 10.9525% | 2,294 |
| Core capital (leverage) ratio | 10.3384% | 2,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7371% | 806 |
| Memoranda: | ||
| Average total assets | $353,387,400 | 2,031 |
| Average earning assets | $333,267,000 | 2,012 |
| Average equity | $40,374,400 | 2,010 |
| Average total loans | $202,457,800 | 2,213 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6631% | 3,883 |
| Cost of funding earning assets | 0.1494% | 4,805 |
| Net interest margin | 3.5137% | 2,549 |
| Noninterest income to average assets | 0.2309% | 4,112 |
| Noninterest expense to average assets | 2.1308% | 3,875 |
| Loan and lease loss provision to assets | 0.0614% | 3,574 |
| Net operating income to assets | 1.3457% | 1,244 |
| Return on assets (ROA) | 1.3419% | 1,351 |
| Pretax return on assets | 1.3419% | 1,900 |
| Return on Equity (ROE) | 11.6138% | 1,473 |
| Retained earnings to average equity (ytd only) | 7.8756% | 1,344 |
| Net charge-offs to loans | -0.0181% | 4,384 |
| Credit loss provision to net charge-offs | -592.5926% | 3,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2259% | 3,358 |
| Assets per employee ($millions) | 7.1863% | 1,382 |
| Cash dividends to net income (ytd only)* | 32.1879% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7265% | 847 |
| Loan loss allowance to noncurrent loans | 207.0308% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.6883% | 1,688 |
| Noncurrent loans to loans | 0.8339% | 1,760 |
| Net loans and leases to total assets | 58.3099% | 3,388 |
| Net loans and leases to deposits | 66.0826% | 3,614 |
| Net loans and leases to core deposits | 66.8645% | 3,833 |
| Total domestic deposits to total assets | 88.2380% | 1,097 |
| Equity capital to assets | 11.2629% | 2,182 |
| Core capital (leverage) ratio | 10.5254% | 2,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $346,973,000 | 2,041 |
| Average earning assets | $326,561,250 | 2,022 |
| Average equity | $40,089,250 | 2,014 |
| Average total loans | $199,374,750 | 2,239 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7309% | 4,020 |
| Cost of funding earning assets | 0.1640% | 4,847 |
| Net interest margin | 3.5670% | 2,590 |
| Noninterest income to average assets | 0.2343% | 4,075 |
| Noninterest expense to average assets | 2.1854% | 3,837 |
| Loan and lease loss provision to assets | 0.0237% | 3,951 |
| Net operating income to assets | 1.3713% | 1,174 |
| Return on assets (ROA) | 1.3654% | 1,282 |
| Pretax return on assets | 1.3654% | 1,817 |
| Return on Equity (ROE) | 11.7089% | 1,417 |
| Retained earnings to average equity (ytd only) | 7.8076% | 1,369 |
| Net charge-offs to loans | -0.0167% | 4,357 |
| Credit loss provision to net charge-offs | -250.0000% | 3,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0377% | 3,270 |
| Assets per employee ($millions) | 7.2499% | 1,297 |
| Cash dividends to net income (ytd only)* | 33.3189% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6885% | 836 |
| Loan loss allowance to noncurrent loans | 145.0373% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.9026% | 1,357 |
| Noncurrent loans to loans | 1.1642% | 1,350 |
| Net loans and leases to total assets | 59.3800% | 3,387 |
| Net loans and leases to deposits | 67.3635% | 3,614 |
| Net loans and leases to core deposits | 68.1851% | 3,850 |
| Total domestic deposits to total assets | 88.1486% | 1,108 |
| Equity capital to assets | 11.3692% | 2,063 |
| Core capital (leverage) ratio | 10.3362% | 2,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $338,068,667 | 2,058 |
| Average earning assets | $317,133,333 | 2,043 |
| Average equity | $39,423,000 | 2,021 |
| Average total loans | $191,925,000 | 2,285 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7168% | 4,362 |
| Cost of funding earning assets | 0.1948% | 4,900 |
| Net interest margin | 3.5220% | 2,903 |
| Noninterest income to average assets | 0.2615% | 3,973 |
| Noninterest expense to average assets | 2.3606% | 3,626 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1858% | 1,563 |
| Return on assets (ROA) | 1.1686% | 1,736 |
| Pretax return on assets | 1.1686% | 2,307 |
| Return on Equity (ROE) | 9.8837% | 1,784 |
| Retained earnings to average equity (ytd only) | 3.1250% | 3,026 |
| Net charge-offs to loans | -0.0179% | 4,300 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5628% | 2,879 |
| Assets per employee ($millions) | 7.0920% | 1,057 |
| Cash dividends to net income (ytd only)* | 68.3824% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0303% | 477 |
| Loan loss allowance to noncurrent loans | 485.8855% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.4157% | 2,795 |
| Noncurrent loans to loans | 0.4179% | 2,995 |
| Net loans and leases to total assets | 49.6548% | 4,258 |
| Net loans and leases to deposits | 56.2991% | 4,356 |
| Net loans and leases to core deposits | 56.9070% | 4,464 |
| Total domestic deposits to total assets | 88.1983% | 1,020 |
| Equity capital to assets | 11.1630% | 2,714 |
| Core capital (leverage) ratio | 11.4901% | 2,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $325,855,000 | 2,061 |
| Average earning assets | $303,921,000 | 2,054 |
| Average equity | $38,528,000 | 2,042 |
| Average total loans | $178,414,000 | 2,377 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1950% | 3,823 |
| Cost of funding earning assets | 0.2134% | 4,929 |
| Net interest margin | 3.9816% | 1,906 |
| Noninterest income to average assets | 0.2902% | 3,955 |
| Noninterest expense to average assets | 2.3834% | 3,726 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.6361% | 761 |
| Return on assets (ROA) | 1.6388% | 803 |
| Pretax return on assets | 1.6388% | 1,374 |
| Return on Equity (ROE) | 13.5355% | 999 |
| Retained earnings to average equity (ytd only) | 5.5584% | 2,127 |
| Net charge-offs to loans | -0.2234% | 5,065 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2955% | 3,796 |
| Assets per employee ($millions) | 5.7137% | 1,870 |
| Cash dividends to net income (ytd only)* | 58.9347% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0559% | 420 |
| Loan loss allowance to noncurrent loans | 1,070.8824% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.3160% | 3,154 |
| Noncurrent loans to loans | 0.1920% | 3,768 |
| Net loans and leases to total assets | 58.3831% | 3,738 |
| Net loans and leases to deposits | 67.2957% | 3,873 |
| Net loans and leases to core deposits | 67.9731% | 4,084 |
| Total domestic deposits to total assets | 86.7561% | 1,728 |
| Equity capital to assets | 12.6122% | 1,760 |
| Core capital (leverage) ratio | 12.2930% | 1,597 |
| Tier 1 risk-based capital ratio | 19.2663% | 1,467 |
| Total risk-based capital ratio | 20.5248% | 1,430 |
| Memoranda: | ||
| Average total assets | $300,160,400 | 2,162 |
| Average earning assets | $281,143,400 | 2,136 |
| Average equity | $36,341,400 | 2,081 |
| Average total loans | $175,950,400 | 2,361 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2050% | 3,906 |
| Cost of funding earning assets | 0.2169% | 4,996 |
| Net interest margin | 3.9881% | 1,982 |
| Noninterest income to average assets | 0.2862% | 4,019 |
| Noninterest expense to average assets | 2.3407% | 3,849 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6770% | 778 |
| Return on assets (ROA) | 1.6770% | 821 |
| Pretax return on assets | 1.6770% | 1,400 |
| Return on Equity (ROE) | 13.9953% | 987 |
| Retained earnings to average equity (ytd only) | 8.9666% | 1,057 |
| Net charge-offs to loans | -0.2937% | 5,148 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2598% | 3,898 |
| Assets per employee ($millions) | 5.7289% | 1,822 |
| Cash dividends to net income (ytd only)* | 35.9314% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0761% | 406 |
| Loan loss allowance to noncurrent loans | 1,997.2527% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.2673% | 3,483 |
| Noncurrent loans to loans | 0.1039% | 4,174 |
| Net loans and leases to total assets | 58.6806% | 3,812 |
| Net loans and leases to deposits | 67.9510% | 3,920 |
| Net loans and leases to core deposits | 68.6492% | 4,127 |
| Total domestic deposits to total assets | 86.3571% | 1,843 |
| Equity capital to assets | 13.0713% | 1,589 |
| Core capital (leverage) ratio | 12.3751% | 1,638 |
| Tier 1 risk-based capital ratio | 19.6491% | 1,428 |
| Total risk-based capital ratio | 20.9077% | 1,393 |
| Memoranda: | ||
| Average total assets | $300,923,000 | 2,178 |
| Average earning assets | $281,563,500 | 2,154 |
| Average equity | $36,058,750 | 2,101 |
| Average total loans | $175,662,250 | 2,389 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1780% | 3,976 |
| Cost of funding earning assets | 0.2193% | 5,033 |
| Net interest margin | 3.9587% | 2,063 |
| Noninterest income to average assets | 0.2725% | 4,114 |
| Noninterest expense to average assets | 2.3414% | 3,886 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6377% | 839 |
| Return on assets (ROA) | 1.6377% | 876 |
| Pretax return on assets | 1.6377% | 1,431 |
| Return on Equity (ROE) | 14.0772% | 963 |
| Retained earnings to average equity (ytd only) | 9.3923% | 934 |
| Net charge-offs to loans | -0.0762% | 4,950 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8420% | 3,885 |
| Assets per employee ($millions) | 5.9581% | 1,574 |
| Cash dividends to net income (ytd only)* | 33.2797% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9032% | 562 |
| Loan loss allowance to noncurrent loans | 534.6774% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.4092% | 2,872 |
| Noncurrent loans to loans | 0.3560% | 3,269 |
| Net loans and leases to total assets | 57.3547% | 3,974 |
| Net loans and leases to deposits | 65.8817% | 4,108 |
| Net loans and leases to core deposits | 66.5393% | 4,287 |
| Total domestic deposits to total assets | 87.0570% | 1,576 |
| Equity capital to assets | 12.4247% | 1,900 |
| Core capital (leverage) ratio | 11.9025% | 1,885 |
| Tier 1 risk-based capital ratio | 19.3271% | 1,478 |
| Total risk-based capital ratio | 20.5834% | 1,445 |
| Memoranda: | ||
| Average total assets | $303,839,000 | 2,165 |
| Average earning assets | $284,487,670 | 2,138 |
| Average equity | $35,348,000 | 2,125 |
| Average total loans | $175,854,670 | 2,393 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0815% | 4,175 |
| Cost of funding earning assets | 0.2185% | 5,074 |
| Net interest margin | 3.8630% | 2,299 |
| Noninterest income to average assets | 0.2581% | 4,163 |
| Noninterest expense to average assets | 2.4002% | 3,772 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4772% | 1,159 |
| Return on assets (ROA) | 1.4772% | 1,183 |
| Pretax return on assets | 1.4772% | 1,846 |
| Return on Equity (ROE) | 13.1305% | 1,171 |
| Retained earnings to average equity (ytd only) | 8.3326% | 1,538 |
| Net charge-offs to loans | -0.1585% | 5,134 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9032% | 3,547 |
| Assets per employee ($millions) | 6.1516% | 1,436 |
| Cash dividends to net income (ytd only)* | 36.5402% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8773% | 613 |
| Loan loss allowance to noncurrent loans | 502.7273% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.4013% | 2,981 |
| Noncurrent loans to loans | 0.3734% | 3,249 |
| Net loans and leases to total assets | 55.2779% | 4,114 |
| Net loans and leases to deposits | 62.6952% | 4,261 |
| Net loans and leases to core deposits | 63.1974% | 4,419 |
| Total domestic deposits to total assets | 88.1692% | 1,249 |
| Equity capital to assets | 11.2325% | 2,622 |
| Core capital (leverage) ratio | 11.2952% | 2,296 |
| Tier 1 risk-based capital ratio | 18.5796% | 1,639 |
| Total risk-based capital ratio | 19.8360% | 1,597 |
| Memoranda: | ||
| Average total assets | $306,805,500 | 2,156 |
| Average earning assets | $287,441,500 | 2,129 |
| Average equity | $34,515,000 | 2,162 |
| Average total loans | $176,693,000 | 2,403 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0239% | 3,955 |
| Cost of funding earning assets | 0.1778% | 5,086 |
| Net interest margin | 3.8461% | 2,515 |
| Noninterest income to average assets | 0.3677% | 3,639 |
| Noninterest expense to average assets | 2.4107% | 3,848 |
| Loan and lease loss provision to assets | -0.2027% | 5,334 |
| Net operating income to assets | 1.7778% | 585 |
| Return on assets (ROA) | 1.7778% | 581 |
| Pretax return on assets | 1.7778% | 978 |
| Return on Equity (ROE) | 15.9892% | 634 |
| Retained earnings to average equity (ytd only) | 6.4006% | 1,972 |
| Net charge-offs to loans | -0.1453% | 5,219 |
| Credit loss provision to net charge-offs | 238.0952% | 1,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4833% | 3,778 |
| Assets per employee ($millions) | 5.8800% | 1,607 |
| Cash dividends to net income (ytd only)* | 59.9696% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8387% | 641 |
| Loan loss allowance to noncurrent loans | 470.7246% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.4298% | 2,841 |
| Noncurrent loans to loans | 0.3906% | 3,133 |
| Net loans and leases to total assets | 57.8218% | 3,985 |
| Net loans and leases to deposits | 65.6088% | 4,147 |
| Net loans and leases to core deposits | 66.0462% | 4,353 |
| Total domestic deposits to total assets | 88.1312% | 1,245 |
| Equity capital to assets | 11.2679% | 2,455 |
| Core capital (leverage) ratio | 11.3997% | 2,176 |
| Tier 1 risk-based capital ratio | 18.2410% | 1,681 |
| Total risk-based capital ratio | 19.4967% | 1,633 |
| Memoranda: | ||
| Average total assets | $295,931,800 | 2,182 |
| Average earning assets | $278,386,400 | 2,149 |
| Average equity | $32,903,400 | 2,157 |
| Average total loans | $173,400,400 | 2,404 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9759% | 4,000 |
| Cost of funding earning assets | 0.1712% | 5,137 |
| Net interest margin | 3.8047% | 2,631 |
| Noninterest income to average assets | 0.3861% | 3,560 |
| Noninterest expense to average assets | 2.3339% | 4,012 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6382% | 868 |
| Return on assets (ROA) | 1.6382% | 873 |
| Pretax return on assets | 1.6382% | 1,451 |
| Return on Equity (ROE) | 14.7846% | 925 |
| Retained earnings to average equity (ytd only) | 9.2322% | 1,139 |
| Net charge-offs to loans | -0.1460% | 5,246 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7573% | 3,999 |
| Assets per employee ($millions) | 5.9967% | 1,489 |
| Cash dividends to net income (ytd only)* | 37.5552% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1402% | 397 |
| Loan loss allowance to noncurrent loans | 503.9947% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.4502% | 2,887 |
| Noncurrent loans to loans | 0.4247% | 3,136 |
| Net loans and leases to total assets | 57.7197% | 4,069 |
| Net loans and leases to deposits | 65.3535% | 4,251 |
| Net loans and leases to core deposits | 65.8531% | 4,414 |
| Total domestic deposits to total assets | 88.3192% | 1,109 |
| Equity capital to assets | 11.1391% | 2,527 |
| Core capital (leverage) ratio | 11.5236% | 2,148 |
| Tier 1 risk-based capital ratio | 18.4670% | 1,679 |
| Total risk-based capital ratio | 19.7265% | 1,637 |
| Memoranda: | ||
| Average total assets | $294,945,250 | 2,197 |
| Average earning assets | $278,002,500 | 2,157 |
| Average equity | $32,681,750 | 2,180 |
| Average total loans | $172,589,750 | 2,424 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9270% | 4,003 |
| Cost of funding earning assets | 0.1665% | 5,172 |
| Net interest margin | 3.7605% | 2,713 |
| Noninterest income to average assets | 0.4330% | 3,269 |
| Noninterest expense to average assets | 2.3429% | 4,038 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6324% | 842 |
| Return on assets (ROA) | 1.6324% | 847 |
| Pretax return on assets | 1.6324% | 1,395 |
| Return on Equity (ROE) | 14.7583% | 903 |
| Retained earnings to average equity (ytd only) | 9.6540% | 1,025 |
| Net charge-offs to loans | -0.1262% | 5,230 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9365% | 4,097 |
| Assets per employee ($millions) | 5.9927% | 1,466 |
| Cash dividends to net income (ytd only)* | 34.5865% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1377% | 415 |
| Loan loss allowance to noncurrent loans | 788.0851% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.3640% | 3,285 |
| Noncurrent loans to loans | 0.2713% | 3,742 |
| Net loans and leases to total assets | 57.7449% | 4,016 |
| Net loans and leases to deposits | 65.4101% | 4,198 |
| Net loans and leases to core deposits | 65.7931% | 4,377 |
| Total domestic deposits to total assets | 88.2813% | 1,229 |
| Equity capital to assets | 11.2160% | 2,442 |
| Core capital (leverage) ratio | 11.5280% | 2,047 |
| Tier 1 risk-based capital ratio | 18.5023% | 1,672 |
| Total risk-based capital ratio | 19.7618% | 1,636 |
| Memoranda: | ||
| Average total assets | $293,315,330 | 2,212 |
| Average earning assets | $276,292,330 | 2,182 |
| Average equity | $32,442,670 | 2,200 |
| Average total loans | $171,170,000 | 2,448 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8535% | 4,075 |
| Cost of funding earning assets | 0.1653% | 5,187 |
| Net interest margin | 3.6882% | 2,850 |
| Noninterest income to average assets | 0.2838% | 4,276 |
| Noninterest expense to average assets | 2.3128% | 4,165 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4409% | 1,220 |
| Return on assets (ROA) | 1.4409% | 1,226 |
| Pretax return on assets | 1.4409% | 1,863 |
| Return on Equity (ROE) | 13.1194% | 1,230 |
| Retained earnings to average equity (ytd only) | 7.9760% | 1,845 |
| Net charge-offs to loans | -0.1552% | 5,325 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6140% | 3,854 |
| Assets per employee ($millions) | 6.2989% | 1,312 |
| Cash dividends to net income (ytd only)* | 39.2045% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1497% | 424 |
| Loan loss allowance to noncurrent loans | 1,003.2877% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.3188% | 3,555 |
| Noncurrent loans to loans | 0.2143% | 4,014 |
| Net loans and leases to total assets | 55.1309% | 4,196 |
| Net loans and leases to deposits | 62.1066% | 4,332 |
| Net loans and leases to core deposits | 62.4578% | 4,524 |
| Total domestic deposits to total assets | 88.7682% | 1,223 |
| Equity capital to assets | 10.6484% | 2,928 |
| Core capital (leverage) ratio | 10.9084% | 2,533 |
| Tier 1 risk-based capital ratio | 18.2994% | 1,744 |
| Total risk-based capital ratio | 19.5590% | 1,708 |
| Memoranda: | ||
| Average total assets | $293,151,500 | 2,234 |
| Average earning assets | $275,800,000 | 2,206 |
| Average equity | $32,196,500 | 2,225 |
| Average total loans | $170,121,000 | 2,473 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8924% | 3,750 |
| Cost of funding earning assets | 0.1472% | 5,277 |
| Net interest margin | 3.7452% | 2,624 |
| Noninterest income to average assets | 0.3233% | 4,155 |
| Noninterest expense to average assets | 2.4233% | 4,010 |
| Loan and lease loss provision to assets | -0.2117% | 5,582 |
| Net operating income to assets | 1.6226% | 625 |
| Return on assets (ROA) | 1.6226% | 642 |
| Pretax return on assets | 1.6226% | 1,234 |
| Return on Equity (ROE) | 14.3664% | 708 |
| Retained earnings to average equity (ytd only) | 5.8647% | 1,616 |
| Net charge-offs to loans | -0.2044% | 5,526 |
| Credit loss provision to net charge-offs | 175.9531% | 1,544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2029% | 3,732 |
| Assets per employee ($millions) | 5.6791% | 1,764 |
| Cash dividends to net income (ytd only)* | 59.1779% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1166% | 433 |
| Loan loss allowance to noncurrent loans | 844.1315% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.3610% | 3,419 |
| Noncurrent loans to loans | 0.2507% | 3,887 |
| Net loans and leases to total assets | 58.5645% | 3,962 |
| Net loans and leases to deposits | 66.4751% | 4,149 |
| Net loans and leases to core deposits | 66.8785% | 4,372 |
| Total domestic deposits to total assets | 88.1000% | 1,441 |
| Equity capital to assets | 11.3390% | 2,337 |
| Core capital (leverage) ratio | 11.3511% | 2,059 |
| Tier 1 risk-based capital ratio | 18.0615% | 1,786 |
| Total risk-based capital ratio | 19.3206% | 1,733 |
| Memoranda: | ||
| Average total assets | $283,371,800 | 2,270 |
| Average earning assets | $265,644,200 | 2,246 |
| Average equity | $32,005,200 | 2,217 |
| Average total loans | $166,857,400 | 2,459 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8978% | 3,685 |
| Cost of funding earning assets | 0.1466% | 5,331 |
| Net interest margin | 3.7512% | 2,576 |
| Noninterest income to average assets | 0.3182% | 4,261 |
| Noninterest expense to average assets | 2.3801% | 4,067 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4546% | 983 |
| Return on assets (ROA) | 1.4546% | 998 |
| Pretax return on assets | 1.4546% | 1,929 |
| Return on Equity (ROE) | 12.8920% | 1,083 |
| Retained earnings to average equity (ytd only) | 7.7102% | 1,340 |
| Net charge-offs to loans | -0.2055% | 5,550 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0673% | 3,872 |
| Assets per employee ($millions) | 5.5727% | 1,856 |
| Cash dividends to net income (ytd only)* | 40.1942% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4897% | 269 |
| Loan loss allowance to noncurrent loans | 976.4846% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.3661% | 3,568 |
| Noncurrent loans to loans | 0.2550% | 4,049 |
| Net loans and leases to total assets | 57.7856% | 4,082 |
| Net loans and leases to deposits | 65.9562% | 4,256 |
| Net loans and leases to core deposits | 66.5153% | 4,451 |
| Total domestic deposits to total assets | 87.6121% | 1,572 |
| Equity capital to assets | 11.8750% | 2,052 |
| Core capital (leverage) ratio | 11.3304% | 2,163 |
| Tier 1 risk-based capital ratio | 18.5406% | 1,715 |
| Total risk-based capital ratio | 19.8041% | 1,665 |
| Memoranda: | ||
| Average total assets | $283,225,500 | 2,282 |
| Average earning assets | $265,511,750 | 2,256 |
| Average equity | $31,957,000 | 2,236 |
| Average total loans | $166,098,250 | 2,481 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7340% | 4,119 |
| Cost of funding earning assets | 0.1457% | 5,362 |
| Net interest margin | 3.5883% | 3,084 |
| Noninterest income to average assets | 0.3140% | 4,290 |
| Noninterest expense to average assets | 2.3796% | 4,117 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2909% | 1,318 |
| Return on assets (ROA) | 1.2909% | 1,343 |
| Pretax return on assets | 1.2909% | 2,421 |
| Return on Equity (ROE) | 11.6403% | 1,409 |
| Retained earnings to average equity (ytd only) | 6.3965% | 1,903 |
| Net charge-offs to loans | -0.1562% | 5,534 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8297% | 3,529 |
| Assets per employee ($millions) | 5.5314% | 1,842 |
| Cash dividends to net income (ytd only)* | 45.0490% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4178% | 314 |
| Loan loss allowance to noncurrent loans | 236.7796% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.8089% | 2,189 |
| Noncurrent loans to loans | 1.0211% | 1,927 |
| Net loans and leases to total assets | 57.0135% | 4,119 |
| Net loans and leases to deposits | 64.7281% | 4,320 |
| Net loans and leases to core deposits | 65.3344% | 4,518 |
| Total domestic deposits to total assets | 88.0815% | 1,415 |
| Equity capital to assets | 11.4520% | 2,363 |
| Core capital (leverage) ratio | 10.9881% | 2,420 |
| Tier 1 risk-based capital ratio | 18.0548% | 1,840 |
| Total risk-based capital ratio | 19.3177% | 1,791 |
| Memoranda: | ||
| Average total assets | $284,755,670 | 2,280 |
| Average earning assets | $266,366,670 | 2,259 |
| Average equity | $31,580,000 | 2,259 |
| Average total loans | $166,423,670 | 2,481 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7061% | 4,107 |
| Cost of funding earning assets | 0.1439% | 5,414 |
| Net interest margin | 3.5622% | 3,034 |
| Noninterest income to average assets | 0.3202% | 4,262 |
| Noninterest expense to average assets | 2.3560% | 4,243 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2863% | 1,272 |
| Return on assets (ROA) | 1.2863% | 1,306 |
| Pretax return on assets | 1.2863% | 2,279 |
| Return on Equity (ROE) | 11.7884% | 1,308 |
| Retained earnings to average equity (ytd only) | 6.4836% | 2,089 |
| Net charge-offs to loans | -0.1579% | 5,576 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6833% | 3,711 |
| Assets per employee ($millions) | 6.0197% | 1,496 |
| Cash dividends to net income (ytd only)* | 45.0000% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3620% | 371 |
| Loan loss allowance to noncurrent loans | 229.0304% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.7835% | 2,338 |
| Noncurrent loans to loans | 1.0313% | 1,994 |
| Net loans and leases to total assets | 54.9487% | 4,258 |
| Net loans and leases to deposits | 61.8910% | 4,444 |
| Net loans and leases to core deposits | 62.5020% | 4,616 |
| Total domestic deposits to total assets | 88.7830% | 1,264 |
| Equity capital to assets | 10.6633% | 2,997 |
| Core capital (leverage) ratio | 10.5937% | 2,799 |
| Tier 1 risk-based capital ratio | 17.5800% | 2,010 |
| Total risk-based capital ratio | 18.8420% | 1,959 |
| Memoranda: | ||
| Average total assets | $286,083,500 | 2,284 |
| Average earning assets | $266,802,000 | 2,268 |
| Average equity | $31,217,000 | 2,280 |
| Average total loans | $167,225,500 | 2,486 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8138% | 3,861 |
| Cost of funding earning assets | 0.1465% | 5,442 |
| Net interest margin | 3.6673% | 2,831 |
| Noninterest income to average assets | 0.6803% | 2,260 |
| Noninterest expense to average assets | 2.5075% | 3,985 |
| Loan and lease loss provision to assets | -0.2184% | 5,794 |
| Net operating income to assets | 1.7898% | 455 |
| Return on assets (ROA) | 1.7908% | 474 |
| Pretax return on assets | 1.7908% | 820 |
| Return on Equity (ROE) | 15.8736% | 519 |
| Retained earnings to average equity (ytd only) | 6.3301% | 1,542 |
| Net charge-offs to loans | -0.1655% | 5,707 |
| Credit loss provision to net charge-offs | 222.2222% | 1,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4760% | 4,343 |
| Assets per employee ($millions) | 5.6572% | 1,736 |
| Cash dividends to net income (ytd only)* | 60.1220% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2885% | 412 |
| Loan loss allowance to noncurrent loans | 222.3183% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.8416% | 2,240 |
| Noncurrent loans to loans | 1.0294% | 2,023 |
| Net loans and leases to total assets | 59.3774% | 3,922 |
| Net loans and leases to deposits | 67.2559% | 4,150 |
| Net loans and leases to core deposits | 68.0427% | 4,397 |
| Total domestic deposits to total assets | 88.2858% | 1,496 |
| Equity capital to assets | 11.1763% | 2,446 |
| Core capital (leverage) ratio | 11.0547% | 2,296 |
| Tier 1 risk-based capital ratio | 17.0728% | 2,132 |
| Total risk-based capital ratio | 18.3349% | 2,081 |
| Memoranda: | ||
| Average total assets | $274,730,800 | 2,323 |
| Average earning assets | $254,598,400 | 2,330 |
| Average equity | $30,994,800 | 2,296 |
| Average total loans | $163,106,600 | 2,486 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7996% | 3,919 |
| Cost of funding earning assets | 0.1481% | 5,496 |
| Net interest margin | 3.6515% | 2,882 |
| Noninterest income to average assets | 0.3400% | 4,348 |
| Noninterest expense to average assets | 2.4666% | 4,087 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2554% | 1,436 |
| Return on assets (ROA) | 1.2569% | 1,533 |
| Pretax return on assets | 1.2569% | 2,593 |
| Return on Equity (ROE) | 11.1143% | 1,633 |
| Retained earnings to average equity (ytd only) | 6.5335% | 1,893 |
| Net charge-offs to loans | -0.1195% | 5,636 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2703% | 3,547 |
| Assets per employee ($millions) | 5.3080% | 2,038 |
| Cash dividends to net income (ytd only)* | 41.2150% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5723% | 308 |
| Loan loss allowance to noncurrent loans | 230.0744% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 1.2762% | 1,516 |
| Noncurrent loans to loans | 1.1180% | 2,013 |
| Net loans and leases to total assets | 61.7943% | 3,657 |
| Net loans and leases to deposits | 70.5883% | 3,928 |
| Net loans and leases to core deposits | 71.4584% | 4,208 |
| Total domestic deposits to total assets | 87.5418% | 1,640 |
| Equity capital to assets | 11.9744% | 2,133 |
| Core capital (leverage) ratio | 11.1764% | 2,290 |
| Tier 1 risk-based capital ratio | 16.6786% | 2,342 |
| Total risk-based capital ratio | 17.9427% | 2,287 |
| Memoranda: | ||
| Average total assets | $274,112,750 | 2,336 |
| Average earning assets | $253,878,500 | 2,343 |
| Average equity | $30,998,250 | 2,304 |
| Average total loans | $161,770,500 | 2,503 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7544% | 4,112 |
| Cost of funding earning assets | 0.1489% | 5,553 |
| Net interest margin | 3.6055% | 3,078 |
| Noninterest income to average assets | 0.3364% | 4,377 |
| Noninterest expense to average assets | 2.4865% | 4,065 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1898% | 1,640 |
| Return on assets (ROA) | 1.1920% | 1,727 |
| Pretax return on assets | 1.1920% | 2,808 |
| Return on Equity (ROE) | 10.7425% | 1,743 |
| Retained earnings to average equity (ytd only) | 6.1228% | 2,057 |
| Net charge-offs to loans | -0.1003% | 5,617 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6355% | 3,418 |
| Assets per employee ($millions) | 5.4736% | 1,819 |
| Cash dividends to net income (ytd only)* | 43.0042% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6328% | 306 |
| Loan loss allowance to noncurrent loans | 627.2059% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.8147% | 2,549 |
| Noncurrent loans to loans | 0.4198% | 3,850 |
| Net loans and leases to total assets | 58.8086% | 4,035 |
| Net loans and leases to deposits | 66.9828% | 4,268 |
| Net loans and leases to core deposits | 67.7970% | 4,492 |
| Total domestic deposits to total assets | 87.7966% | 1,528 |
| Equity capital to assets | 11.7649% | 2,299 |
| Core capital (leverage) ratio | 10.6029% | 2,849 |
| Tier 1 risk-based capital ratio | 16.8256% | 2,289 |
| Total risk-based capital ratio | 18.0904% | 2,236 |
| Memoranda: | ||
| Average total assets | $277,017,000 | 2,321 |
| Average earning assets | $256,605,330 | 2,324 |
| Average equity | $30,737,670 | 2,324 |
| Average total loans | $159,583,330 | 2,538 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6797% | 4,389 |
| Cost of funding earning assets | 0.1485% | 5,620 |
| Net interest margin | 3.5311% | 3,357 |
| Noninterest income to average assets | 0.2956% | 4,609 |
| Noninterest expense to average assets | 2.5286% | 3,983 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0447% | 2,103 |
| Return on assets (ROA) | 1.0447% | 2,218 |
| Pretax return on assets | 1.0447% | 3,300 |
| Return on Equity (ROE) | 9.6935% | 2,115 |
| Retained earnings to average equity (ytd only) | 5.0116% | 2,935 |
| Net charge-offs to loans | -0.0177% | 4,797 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7637% | 2,993 |
| Assets per employee ($millions) | 5.9728% | 1,418 |
| Cash dividends to net income (ytd only)* | 48.2993% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6085% | 348 |
| Loan loss allowance to noncurrent loans | 500.8363% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.8002% | 2,698 |
| Noncurrent loans to loans | 0.5208% | 3,622 |
| Net loans and leases to total assets | 53.4782% | 4,495 |
| Net loans and leases to deposits | 59.9933% | 4,718 |
| Net loans and leases to core deposits | 60.6505% | 4,898 |
| Total domestic deposits to total assets | 89.1403% | 1,025 |
| Equity capital to assets | 10.3554% | 3,676 |
| Core capital (leverage) ratio | 10.1870% | 3,330 |
| Tier 1 risk-based capital ratio | 16.4294% | 2,505 |
| Total risk-based capital ratio | 17.6938% | 2,453 |
| Memoranda: | ||
| Average total assets | $281,423,500 | 2,301 |
| Average earning assets | $261,218,500 | 2,294 |
| Average equity | $30,329,500 | 2,349 |
| Average total loans | $158,379,000 | 2,547 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8151% | 3,998 |
| Cost of funding earning assets | 0.1748% | 5,505 |
| Net interest margin | 3.6403% | 2,977 |
| Noninterest income to average assets | 0.3270% | 4,561 |
| Noninterest expense to average assets | 2.4840% | 4,277 |
| Loan and lease loss provision to assets | -0.2224% | 6,008 |
| Net operating income to assets | 1.3949% | 1,044 |
| Return on assets (ROA) | 1.3949% | 1,091 |
| Pretax return on assets | 1.4075% | 1,873 |
| Return on Equity (ROE) | 12.5704% | 1,161 |
| Retained earnings to average equity (ytd only) | 5.2346% | 2,254 |
| Net charge-offs to loans | -0.4279% | 6,070 |
| Credit loss provision to net charge-offs | 94.0439% | 2,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7005% | 3,624 |
| Assets per employee ($millions) | 5.5138% | 1,793 |
| Cash dividends to net income (ytd only)* | 58.3577% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6818% | 324 |
| Loan loss allowance to noncurrent loans | 436.3921% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.9120% | 2,384 |
| Noncurrent loans to loans | 0.6145% | 3,341 |
| Net loans and leases to total assets | 56.2100% | 4,279 |
| Net loans and leases to deposits | 63.7114% | 4,488 |
| Net loans and leases to core deposits | 64.5482% | 4,703 |
| Total domestic deposits to total assets | 88.2259% | 1,523 |
| Equity capital to assets | 11.2341% | 2,611 |
| Core capital (leverage) ratio | 10.8798% | 2,520 |
| Tier 1 risk-based capital ratio | 18.2879% | 1,887 |
| Total risk-based capital ratio | 19.5546% | 1,838 |
| Memoranda: | ||
| Average total assets | $269,766,000 | 2,346 |
| Average earning assets | $247,670,800 | 2,362 |
| Average equity | $29,935,400 | 2,322 |
| Average total loans | $149,101,400 | 2,607 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8085% | 4,062 |
| Cost of funding earning assets | 0.1791% | 5,561 |
| Net interest margin | 3.6294% | 3,033 |
| Noninterest income to average assets | 0.3090% | 4,727 |
| Noninterest expense to average assets | 2.4652% | 4,298 |
| Loan and lease loss provision to assets | -0.2967% | 6,155 |
| Net operating income to assets | 1.4497% | 1,010 |
| Return on assets (ROA) | 1.4497% | 1,052 |
| Pretax return on assets | 1.4665% | 1,776 |
| Return on Equity (ROE) | 13.1045% | 1,099 |
| Retained earnings to average equity (ytd only) | 8.1970% | 1,170 |
| Net charge-offs to loans | -0.5682% | 6,170 |
| Credit loss provision to net charge-offs | 95.5414% | 2,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8183% | 3,584 |
| Assets per employee ($millions) | 5.5409% | 1,750 |
| Cash dividends to net income (ytd only)* | 37.4487% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7534% | 320 |
| Loan loss allowance to noncurrent loans | 405.3398% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.9531% | 2,467 |
| Noncurrent loans to loans | 0.6793% | 3,286 |
| Net loans and leases to total assets | 55.4414% | 4,415 |
| Net loans and leases to deposits | 63.0588% | 4,636 |
| Net loans and leases to core deposits | 63.8280% | 4,827 |
| Total domestic deposits to total assets | 87.9201% | 1,603 |
| Equity capital to assets | 11.6002% | 2,417 |
| Core capital (leverage) ratio | 10.8563% | 2,638 |
| Tier 1 risk-based capital ratio | 17.7471% | 2,102 |
| Total risk-based capital ratio | 19.0128% | 2,064 |
| Memoranda: | ||
| Average total assets | $269,663,000 | 2,359 |
| Average earning assets | $247,124,500 | 2,389 |
| Average equity | $29,831,250 | 2,336 |
| Average total loans | $147,363,750 | 2,641 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8024% | 4,060 |
| Cost of funding earning assets | 0.1866% | 5,558 |
| Net interest margin | 3.6158% | 3,026 |
| Noninterest income to average assets | 0.4105% | 4,002 |
| Noninterest expense to average assets | 2.4925% | 4,268 |
| Loan and lease loss provision to assets | -0.4430% | 6,265 |
| Net operating income to assets | 1.6405% | 696 |
| Return on assets (ROA) | 1.6405% | 725 |
| Pretax return on assets | 1.6656% | 1,155 |
| Return on Equity (ROE) | 15.0690% | 718 |
| Retained earnings to average equity (ytd only) | 10.7219% | 544 |
| Net charge-offs to loans | -0.8524% | 6,257 |
| Credit loss provision to net charge-offs | 96.4630% | 2,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0906% | 3,817 |
| Assets per employee ($millions) | 5.3877% | 1,850 |
| Cash dividends to net income (ytd only)* | 28.8479% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8341% | 324 |
| Loan loss allowance to noncurrent loans | 355.1107% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 1.5974% | 1,510 |
| Noncurrent loans to loans | 0.7981% | 3,119 |
| Net loans and leases to total assets | 53.0587% | 4,655 |
| Net loans and leases to deposits | 60.0490% | 4,846 |
| Net loans and leases to core deposits | 60.9163% | 5,014 |
| Total domestic deposits to total assets | 88.3590% | 1,463 |
| Equity capital to assets | 11.1967% | 2,674 |
| Core capital (leverage) ratio | 10.6957% | 2,737 |
| Tier 1 risk-based capital ratio | 17.9061% | 2,092 |
| Total risk-based capital ratio | 19.1721% | 2,042 |
| Memoranda: | ||
| Average total assets | $270,896,670 | 2,361 |
| Average earning assets | $247,580,000 | 2,394 |
| Average equity | $29,491,000 | 2,375 |
| Average total loans | $145,942,330 | 2,670 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6127% | 4,649 |
| Cost of funding earning assets | 0.1895% | 5,602 |
| Net interest margin | 3.4232% | 3,742 |
| Noninterest income to average assets | 0.3814% | 4,153 |
| Noninterest expense to average assets | 2.5753% | 4,016 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9453% | 2,535 |
| Return on assets (ROA) | 0.9453% | 2,668 |
| Pretax return on assets | 0.9453% | 3,717 |
| Return on Equity (ROE) | 8.8079% | 2,542 |
| Retained earnings to average equity (ytd only) | 4.6235% | 3,254 |
| Net charge-offs to loans | -0.0330% | 5,311 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1493% | 2,967 |
| Assets per employee ($millions) | 5.8087% | 1,547 |
| Cash dividends to net income (ytd only)* | 47.5078% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8808% | 335 |
| Loan loss allowance to noncurrent loans | 190.9550% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 1.8272% | 1,338 |
| Noncurrent loans to loans | 1.5086% | 1,871 |
| Net loans and leases to total assets | 48.2762% | 5,004 |
| Net loans and leases to deposits | 54.2421% | 5,175 |
| Net loans and leases to core deposits | 55.0810% | 5,310 |
| Total domestic deposits to total assets | 89.0014% | 1,269 |
| Equity capital to assets | 10.1771% | 3,909 |
| Core capital (leverage) ratio | 10.3463% | 3,172 |
| Tier 1 risk-based capital ratio | 17.5707% | 2,276 |
| Total risk-based capital ratio | 18.8374% | 2,231 |
| Memoranda: | ||
| Average total assets | $271,653,500 | 2,373 |
| Average earning assets | $249,123,500 | 2,387 |
| Average equity | $29,155,500 | 2,420 |
| Average total loans | $145,363,500 | 2,682 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0629% | 3,470 |
| Cost of funding earning assets | 0.2490% | 5,332 |
| Net interest margin | 3.8139% | 2,573 |
| Noninterest income to average assets | 0.3647% | 4,482 |
| Noninterest expense to average assets | 2.5839% | 4,282 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2757% | 1,358 |
| Return on assets (ROA) | 1.2808% | 1,396 |
| Pretax return on assets | 1.2819% | 2,304 |
| Return on Equity (ROE) | 11.5657% | 1,537 |
| Retained earnings to average equity (ytd only) | 4.5824% | 2,918 |
| Net charge-offs to loans | 0.2973% | 1,483 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 7.1876% | 3,071 |
| Efficiency ratio | 66.9274% | 4,072 |
| Assets per employee ($millions) | 4.9582% | 2,373 |
| Cash dividends to net income (ytd only)* | 60.3797% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8335% | 359 |
| Loan loss allowance to noncurrent loans | 174.9789% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 2.1746% | 1,127 |
| Noncurrent loans to loans | 1.6193% | 1,809 |
| Net loans and leases to total assets | 56.2380% | 4,300 |
| Net loans and leases to deposits | 64.1297% | 4,516 |
| Net loans and leases to core deposits | 65.2090% | 4,730 |
| Total domestic deposits to total assets | 87.6941% | 1,929 |
| Equity capital to assets | 11.3707% | 2,537 |
| Core capital (leverage) ratio | 10.8887% | 2,508 |
| Tier 1 risk-based capital ratio | 17.0067% | 2,512 |
| Total risk-based capital ratio | 18.2730% | 2,456 |
| Memoranda: | ||
| Average total assets | $255,004,800 | 2,483 |
| Average earning assets | $233,747,800 | 2,481 |
| Average equity | $28,238,600 | 2,392 |
| Average total loans | $152,394,800 | 2,545 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0784% | 3,463 |
| Cost of funding earning assets | 0.2587% | 5,322 |
| Net interest margin | 3.8197% | 2,541 |
| Noninterest income to average assets | 0.3652% | 4,505 |
| Noninterest expense to average assets | 2.5911% | 4,226 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2773% | 1,449 |
| Return on assets (ROA) | 1.2773% | 1,502 |
| Pretax return on assets | 1.2788% | 2,462 |
| Return on Equity (ROE) | 11.6112% | 1,591 |
| Retained earnings to average equity (ytd only) | 6.3084% | 2,213 |
| Net charge-offs to loans | 0.3959% | 1,006 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 5.3632% | 3,278 |
| Efficiency ratio | 66.9543% | 4,056 |
| Assets per employee ($millions) | 4.9229% | 2,345 |
| Cash dividends to net income (ytd only)* | 45.6699% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7634% | 459 |
| Loan loss allowance to noncurrent loans | 104.0693% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 2.1843% | 1,265 |
| Noncurrent loans to loans | 2.6553% | 1,081 |
| Net loans and leases to total assets | 58.0645% | 4,057 |
| Net loans and leases to deposits | 66.2965% | 4,297 |
| Net loans and leases to core deposits | 67.4898% | 4,558 |
| Total domestic deposits to total assets | 87.5831% | 1,988 |
| Equity capital to assets | 11.4996% | 2,490 |
| Core capital (leverage) ratio | 10.8181% | 2,676 |
| Tier 1 risk-based capital ratio | 16.8522% | 2,668 |
| Total risk-based capital ratio | 18.1181% | 2,612 |
| Memoranda: | ||
| Average total assets | $255,538,500 | 2,494 |
| Average earning assets | $234,464,250 | 2,493 |
| Average equity | $28,110,000 | 2,413 |
| Average total loans | $153,904,500 | 2,516 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0802% | 3,427 |
| Cost of funding earning assets | 0.2621% | 5,367 |
| Net interest margin | 3.8182% | 2,493 |
| Noninterest income to average assets | 0.3424% | 4,684 |
| Noninterest expense to average assets | 2.5577% | 4,391 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2855% | 1,353 |
| Return on assets (ROA) | 1.2855% | 1,405 |
| Pretax return on assets | 1.2878% | 2,305 |
| Return on Equity (ROE) | 11.8610% | 1,464 |
| Retained earnings to average equity (ytd only) | 6.4618% | 2,057 |
| Net charge-offs to loans | 0.5708% | 718 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 3.7359% | 3,230 |
| Efficiency ratio | 66.5115% | 4,280 |
| Assets per employee ($millions) | 5.1144% | 2,078 |
| Cash dividends to net income (ytd only)* | 45.5206% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6830% | 548 |
| Loan loss allowance to noncurrent loans | 96.2269% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 2.3314% | 1,264 |
| Noncurrent loans to loans | 2.7882% | 1,082 |
| Net loans and leases to total assets | 58.9643% | 3,867 |
| Net loans and leases to deposits | 67.2957% | 4,140 |
| Net loans and leases to core deposits | 68.4831% | 4,417 |
| Total domestic deposits to total assets | 87.6197% | 2,130 |
| Equity capital to assets | 11.1618% | 2,722 |
| Core capital (leverage) ratio | 10.7036% | 2,720 |
| Tier 1 risk-based capital ratio | 16.1450% | 3,012 |
| Total risk-based capital ratio | 17.4102% | 2,950 |
| Memoranda: | ||
| Average total assets | $257,028,330 | 2,483 |
| Average earning assets | $235,819,000 | 2,481 |
| Average equity | $27,856,000 | 2,417 |
| Average total loans | $155,231,000 | 2,502 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0534% | 3,455 |
| Cost of funding earning assets | 0.2705% | 5,379 |
| Net interest margin | 3.7830% | 2,538 |
| Noninterest income to average assets | 0.2779% | 5,146 |
| Noninterest expense to average assets | 2.5644% | 4,399 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1829% | 1,534 |
| Return on assets (ROA) | 1.1829% | 1,600 |
| Pretax return on assets | 1.1875% | 2,540 |
| Return on Equity (ROE) | 11.0786% | 1,660 |
| Retained earnings to average equity (ytd only) | 5.7574% | 2,666 |
| Net charge-offs to loans | -0.0489% | 5,796 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3492% | 4,124 |
| Assets per employee ($millions) | 5.2155% | 1,992 |
| Cash dividends to net income (ytd only)* | 48.0315% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9501% | 457 |
| Loan loss allowance to noncurrent loans | 91.4472% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 2.5682% | 1,230 |
| Noncurrent loans to loans | 3.2261% | 956 |
| Net loans and leases to total assets | 57.1266% | 3,977 |
| Net loans and leases to deposits | 64.6912% | 4,244 |
| Net loans and leases to core deposits | 65.7050% | 4,515 |
| Total domestic deposits to total assets | 88.3066% | 2,053 |
| Equity capital to assets | 10.4381% | 3,311 |
| Core capital (leverage) ratio | 10.3864% | 3,064 |
| Tier 1 risk-based capital ratio | 15.7267% | 3,316 |
| Total risk-based capital ratio | 16.9947% | 3,272 |
| Memoranda: | ||
| Average total assets | $257,682,000 | 2,478 |
| Average earning assets | $236,639,000 | 2,482 |
| Average equity | $27,512,500 | 2,435 |
| Average total loans | $155,376,000 | 2,516 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3641% | 2,717 |
| Cost of funding earning assets | 0.3357% | 5,278 |
| Net interest margin | 4.0284% | 1,874 |
| Noninterest income to average assets | 0.3888% | 4,526 |
| Noninterest expense to average assets | 2.5383% | 4,649 |
| Loan and lease loss provision to assets | 0.1423% | 2,527 |
| Net operating income to assets | 1.3716% | 1,086 |
| Return on assets (ROA) | 1.3716% | 1,127 |
| Pretax return on assets | 1.3928% | 1,808 |
| Return on Equity (ROE) | 12.4581% | 1,295 |
| Retained earnings to average equity (ytd only) | 5.2484% | 2,448 |
| Net charge-offs to loans | 0.2636% | 2,387 |
| Credit loss provision to net charge-offs | 89.5141% | 2,776 |
| Earnings coverage of net charge-offs (x) | 9.6547% | 2,476 |
| Efficiency ratio | 62.3141% | 5,154 |
| Assets per employee ($millions) | 4.8897% | 2,322 |
| Cash dividends to net income (ytd only)* | 57.8713% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9835% | 479 |
| Loan loss allowance to noncurrent loans | 89.0955% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 2.7990% | 1,169 |
| Noncurrent loans to loans | 3.3486% | 966 |
| Net loans and leases to total assets | 59.9829% | 3,725 |
| Net loans and leases to deposits | 68.3733% | 3,992 |
| Net loans and leases to core deposits | 69.6052% | 4,324 |
| Total domestic deposits to total assets | 87.7286% | 2,350 |
| Equity capital to assets | 10.9317% | 2,676 |
| Core capital (leverage) ratio | 10.7212% | 2,656 |
| Tier 1 risk-based capital ratio | 15.6536% | 3,275 |
| Total risk-based capital ratio | 16.9217% | 3,222 |
| Memoranda: | ||
| Average total assets | $245,912,400 | 2,569 |
| Average earning assets | $224,927,400 | 2,569 |
| Average equity | $27,074,800 | 2,451 |
| Average total loans | $148,342,600 | 2,583 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3962% | 2,610 |
| Cost of funding earning assets | 0.3434% | 5,356 |
| Net interest margin | 4.0528% | 1,778 |
| Noninterest income to average assets | 0.4005% | 4,539 |
| Noninterest expense to average assets | 2.5807% | 4,455 |
| Loan and lease loss provision to assets | 0.1904% | 1,925 |
| Net operating income to assets | 1.3064% | 1,341 |
| Return on assets (ROA) | 1.3064% | 1,393 |
| Pretax return on assets | 1.3347% | 2,194 |
| Return on Equity (ROE) | 11.8441% | 1,524 |
| Retained earnings to average equity (ytd only) | 6.7286% | 2,015 |
| Net charge-offs to loans | 0.5038% | 1,279 |
| Credit loss provision to net charge-offs | 63.0631% | 3,227 |
| Earnings coverage of net charge-offs (x) | 5.0505% | 3,294 |
| Efficiency ratio | 62.8545% | 5,009 |
| Assets per employee ($millions) | 4.7666% | 2,482 |
| Cash dividends to net income (ytd only)* | 43.1903% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9267% | 600 |
| Loan loss allowance to noncurrent loans | 136.8291% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 2.0922% | 1,910 |
| Noncurrent loans to loans | 2.1389% | 2,086 |
| Net loans and leases to total assets | 60.5247% | 3,610 |
| Net loans and leases to deposits | 69.2560% | 3,897 |
| Net loans and leases to core deposits | 70.8037% | 4,236 |
| Total domestic deposits to total assets | 87.3928% | 2,464 |
| Equity capital to assets | 11.2802% | 2,487 |
| Core capital (leverage) ratio | 10.7140% | 2,771 |
| Tier 1 risk-based capital ratio | 15.9079% | 3,248 |
| Total risk-based capital ratio | 17.1757% | 3,187 |
| Memoranda: | ||
| Average total assets | $245,046,500 | 2,590 |
| Average earning assets | $224,038,000 | 2,588 |
| Average equity | $27,028,250 | 2,479 |
| Average total loans | $146,882,500 | 2,619 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3548% | 2,741 |
| Cost of funding earning assets | 0.3506% | 5,402 |
| Net interest margin | 4.0042% | 1,842 |
| Noninterest income to average assets | 0.3777% | 4,683 |
| Noninterest expense to average assets | 2.6016% | 4,380 |
| Loan and lease loss provision to assets | 0.2442% | 1,527 |
| Net operating income to assets | 1.1526% | 1,728 |
| Return on assets (ROA) | 1.1526% | 1,848 |
| Pretax return on assets | 1.1950% | 2,696 |
| Return on Equity (ROE) | 10.5291% | 2,003 |
| Retained earnings to average equity (ytd only) | 5.0861% | 2,993 |
| Net charge-offs to loans | 0.2298% | 2,348 |
| Credit loss provision to net charge-offs | 179.6407% | 1,330 |
| Earnings coverage of net charge-offs (x) | 10.5868% | 2,142 |
| Efficiency ratio | 64.3836% | 4,815 |
| Assets per employee ($millions) | 4.9212% | 2,197 |
| Cash dividends to net income (ytd only)* | 51.6949% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1410% | 502 |
| Loan loss allowance to noncurrent loans | 166.1678% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 2.0589% | 2,101 |
| Noncurrent loans to loans | 1.8903% | 2,513 |
| Net loans and leases to total assets | 59.8291% | 3,684 |
| Net loans and leases to deposits | 68.0461% | 4,006 |
| Net loans and leases to core deposits | 69.5362% | 4,318 |
| Total domestic deposits to total assets | 87.9244% | 2,298 |
| Equity capital to assets | 10.7913% | 2,951 |
| Core capital (leverage) ratio | 10.3373% | 3,058 |
| Tier 1 risk-based capital ratio | 15.5522% | 3,452 |
| Total risk-based capital ratio | 16.8228% | 3,393 |
| Memoranda: | ||
| Average total assets | $245,695,670 | 2,591 |
| Average earning assets | $224,762,670 | 2,589 |
| Average equity | $26,897,000 | 2,502 |
| Average total loans | $145,319,670 | 2,640 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2668% | 3,035 |
| Cost of funding earning assets | 0.3532% | 5,501 |
| Net interest margin | 3.9136% | 2,071 |
| Noninterest income to average assets | 0.3812% | 4,613 |
| Noninterest expense to average assets | 2.6328% | 4,303 |
| Loan and lease loss provision to assets | 0.2444% | 1,473 |
| Net operating income to assets | 1.0851% | 1,918 |
| Return on assets (ROA) | 1.0851% | 2,026 |
| Pretax return on assets | 1.0965% | 2,963 |
| Return on Equity (ROE) | 9.8415% | 2,120 |
| Retained earnings to average equity (ytd only) | 3.5317% | 4,125 |
| Net charge-offs to loans | 0.4958% | 1,213 |
| Credit loss provision to net charge-offs | 85.2273% | 2,096 |
| Earnings coverage of net charge-offs (x) | 4.6761% | 2,505 |
| Efficiency ratio | 66.2567% | 4,622 |
| Assets per employee ($millions) | 4.9698% | 2,257 |
| Cash dividends to net income (ytd only)* | 64.1141% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2262% | 530 |
| Loan loss allowance to noncurrent loans | 158.9187% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 2.0800% | 2,254 |
| Noncurrent loans to loans | 2.0301% | 2,591 |
| Net loans and leases to total assets | 54.6167% | 4,312 |
| Net loans and leases to deposits | 61.9613% | 4,552 |
| Net loans and leases to core deposits | 63.3449% | 4,809 |
| Total domestic deposits to total assets | 88.1465% | 2,228 |
| Equity capital to assets | 10.6829% | 3,340 |
| Core capital (leverage) ratio | 10.1406% | 3,231 |
| Tier 1 risk-based capital ratio | 15.5604% | 3,495 |
| Total risk-based capital ratio | 16.8300% | 3,449 |
| Memoranda: | ||
| Average total assets | $245,514,000 | 2,627 |
| Average earning assets | $225,368,500 | 2,611 |
| Average equity | $27,069,000 | 2,516 |
| Average total loans | $141,985,000 | 2,694 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6335% | 2,866 |
| Cost of funding earning assets | 0.4495% | 5,581 |
| Net interest margin | 4.1840% | 1,702 |
| Noninterest income to average assets | 0.5625% | 3,497 |
| Noninterest expense to average assets | 2.7614% | 4,179 |
| Loan and lease loss provision to assets | 0.4656% | 1,341 |
| Net operating income to assets | 1.1385% | 1,812 |
| Return on assets (ROA) | 1.1496% | 1,937 |
| Pretax return on assets | 1.1881% | 2,841 |
| Return on Equity (ROE) | 10.2121% | 2,084 |
| Retained earnings to average equity (ytd only) | 4.7075% | 2,906 |
| Net charge-offs to loans | 0.2040% | 3,749 |
| Credit loss provision to net charge-offs | 381.9444% | 640 |
| Earnings coverage of net charge-offs (x) | 13.4722% | 1,822 |
| Efficiency ratio | 62.7067% | 5,130 |
| Assets per employee ($millions) | 4.5686% | 2,843 |
| Cash dividends to net income (ytd only)* | 53.9028% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2933% | 510 |
| Loan loss allowance to noncurrent loans | 159.7041% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 2.3269% | 2,112 |
| Noncurrent loans to loans | 2.0621% | 2,624 |
| Net loans and leases to total assets | 57.3657% | 4,069 |
| Net loans and leases to deposits | 65.7449% | 4,323 |
| Net loans and leases to core deposits | 66.6689% | 4,673 |
| Total domestic deposits to total assets | 87.2550% | 2,674 |
| Equity capital to assets | 11.3909% | 2,542 |
| Core capital (leverage) ratio | 10.7482% | 2,496 |
| Tier 1 risk-based capital ratio | 15.8159% | 3,262 |
| Total risk-based capital ratio | 17.0870% | 3,204 |
| Memoranda: | ||
| Average total assets | $236,260,200 | 2,669 |
| Average earning assets | $216,900,000 | 2,644 |
| Average equity | $26,595,800 | 2,514 |
| Average total loans | $141,199,800 | 2,701 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6740% | 2,912 |
| Cost of funding earning assets | 0.4668% | 5,666 |
| Net interest margin | 4.2073% | 1,715 |
| Noninterest income to average assets | 0.5629% | 3,526 |
| Noninterest expense to average assets | 2.7872% | 4,026 |
| Loan and lease loss provision to assets | 0.5086% | 1,199 |
| Net operating income to assets | 1.0821% | 2,159 |
| Return on assets (ROA) | 1.0935% | 2,311 |
| Pretax return on assets | 1.1449% | 3,179 |
| Return on Equity (ROE) | 9.7432% | 2,475 |
| Retained earnings to average equity (ytd only) | 6.0574% | 2,668 |
| Net charge-offs to loans | 0.3284% | 2,817 |
| Credit loss provision to net charge-offs | 258.6207% | 1,064 |
| Earnings coverage of net charge-offs (x) | 8.3477% | 2,461 |
| Efficiency ratio | 62.9322% | 4,987 |
| Assets per employee ($millions) | 4.7919% | 2,461 |
| Cash dividends to net income (ytd only)* | 37.8296% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0716% | 669 |
| Loan loss allowance to noncurrent loans | 136.6074% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 2.4519% | 2,160 |
| Noncurrent loans to loans | 2.2485% | 2,556 |
| Net loans and leases to total assets | 58.8790% | 3,980 |
| Net loans and leases to deposits | 67.6348% | 4,240 |
| Net loans and leases to core deposits | 68.6028% | 4,657 |
| Total domestic deposits to total assets | 87.0542% | 2,631 |
| Equity capital to assets | 11.6042% | 2,643 |
| Core capital (leverage) ratio | 10.7008% | 2,699 |
| Tier 1 risk-based capital ratio | 15.5835% | 3,487 |
| Total risk-based capital ratio | 16.8521% | 3,443 |
| Memoranda: | ||
| Average total assets | $235,933,500 | 2,696 |
| Average earning assets | $216,794,500 | 2,675 |
| Average equity | $26,479,500 | 2,546 |
| Average total loans | $141,269,000 | 2,742 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6711% | 3,041 |
| Cost of funding earning assets | 0.4805% | 5,752 |
| Net interest margin | 4.1906% | 1,779 |
| Noninterest income to average assets | 0.5315% | 3,719 |
| Noninterest expense to average assets | 2.8073% | 3,993 |
| Loan and lease loss provision to assets | 0.5078% | 1,237 |
| Net operating income to assets | 1.0153% | 2,395 |
| Return on assets (ROA) | 1.0241% | 2,589 |
| Pretax return on assets | 1.0859% | 3,351 |
| Return on Equity (ROE) | 9.2283% | 2,701 |
| Retained earnings to average equity (ytd only) | 6.4369% | 2,419 |
| Net charge-offs to loans | 0.4431% | 2,275 |
| Credit loss provision to net charge-offs | 192.3077% | 1,472 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,717 |
| Efficiency ratio | 63.9237% | 4,913 |
| Assets per employee ($millions) | 4.4578% | 2,982 |
| Cash dividends to net income (ytd only)* | 30.2479% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8861% | 877 |
| Loan loss allowance to noncurrent loans | 99.1093% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 2.6181% | 2,116 |
| Noncurrent loans to loans | 2.9121% | 2,050 |
| Net loans and leases to total assets | 59.7616% | 3,868 |
| Net loans and leases to deposits | 68.5879% | 4,110 |
| Net loans and leases to core deposits | 69.7232% | 4,562 |
| Total domestic deposits to total assets | 87.1315% | 2,698 |
| Equity capital to assets | 11.5528% | 2,540 |
| Core capital (leverage) ratio | 10.2129% | 3,125 |
| Tier 1 risk-based capital ratio | 15.4351% | 3,487 |
| Total risk-based capital ratio | 16.7018% | 3,438 |
| Memoranda: | ||
| Average total assets | $236,310,670 | 2,700 |
| Average earning assets | $217,677,000 | 2,673 |
| Average equity | $26,223,670 | 2,552 |
| Average total loans | $140,815,330 | 2,759 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5414% | 3,749 |
| Cost of funding earning assets | 0.4927% | 5,861 |
| Net interest margin | 4.0487% | 2,307 |
| Noninterest income to average assets | 0.5650% | 3,459 |
| Noninterest expense to average assets | 2.7867% | 4,090 |
| Loan and lease loss provision to assets | 0.5030% | 1,207 |
| Net operating income to assets | 0.9524% | 2,679 |
| Return on assets (ROA) | 0.9524% | 2,886 |
| Pretax return on assets | 1.0094% | 3,645 |
| Return on Equity (ROE) | 8.7568% | 2,929 |
| Retained earnings to average equity (ytd only) | 8.7568% | 1,680 |
| Net charge-offs to loans | 0.8978% | 1,144 |
| Credit loss provision to net charge-offs | 95.5414% | 2,448 |
| Earnings coverage of net charge-offs (x) | 2.8726% | 3,029 |
| Efficiency ratio | 64.8206% | 4,774 |
| Assets per employee ($millions) | 4.7637% | 2,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7191% | 1,093 |
| Loan loss allowance to noncurrent loans | 77.5249% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 2.7686% | 2,114 |
| Noncurrent loans to loans | 3.5074% | 1,778 |
| Net loans and leases to total assets | 55.1003% | 4,538 |
| Net loans and leases to deposits | 62.4324% | 4,857 |
| Net loans and leases to core deposits | 63.3760% | 5,184 |
| Total domestic deposits to total assets | 88.2560% | 2,157 |
| Equity capital to assets | 10.5696% | 3,413 |
| Core capital (leverage) ratio | 10.1568% | 3,167 |
| Tier 1 risk-based capital ratio | 15.3102% | 3,554 |
| Total risk-based capital ratio | 16.5747% | 3,499 |
| Memoranda: | ||
| Average total assets | $238,563,000 | 2,686 |
| Average earning assets | $220,021,500 | 2,647 |
| Average equity | $25,945,500 | 2,576 |
| Average total loans | $139,899,000 | 2,785 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7817% | 3,895 |
| Cost of funding earning assets | 0.5696% | 6,245 |
| Net interest margin | 4.2120% | 2,020 |
| Noninterest income to average assets | 0.4815% | 3,987 |
| Noninterest expense to average assets | 3.1294% | 3,098 |
| Loan and lease loss provision to assets | 0.5644% | 1,850 |
| Net operating income to assets | 0.6121% | 3,936 |
| Return on assets (ROA) | 0.6161% | 4,103 |
| Pretax return on assets | 0.6734% | 4,427 |
| Return on Equity (ROE) | 5.8681% | 3,936 |
| Retained earnings to average equity (ytd only) | 4.1023% | 3,271 |
| Net charge-offs to loans | 1.1365% | 1,495 |
| Credit loss provision to net charge-offs | 83.0671% | 4,325 |
| Earnings coverage of net charge-offs (x) | 1.8153% | 4,424 |
| Efficiency ratio | 71.7285% | 3,630 |
| Assets per employee ($millions) | 4.4118% | 3,049 |
| Cash dividends to net income (ytd only)* | 30.0916% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7449% | 1,039 |
| Loan loss allowance to noncurrent loans | 68.3506% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 3.2796% | 1,818 |
| Noncurrent loans to loans | 4.0159% | 1,555 |
| Net loans and leases to total assets | 59.1349% | 4,169 |
| Net loans and leases to deposits | 67.8698% | 4,461 |
| Net loans and leases to core deposits | 68.9092% | 4,916 |
| Total domestic deposits to total assets | 87.1299% | 2,686 |
| Equity capital to assets | 11.2063% | 2,791 |
| Core capital (leverage) ratio | 10.4476% | 2,793 |
| Tier 1 risk-based capital ratio | 14.8880% | 3,707 |
| Total risk-based capital ratio | 16.1522% | 3,671 |
| Memoranda: | ||
| Average total assets | $230,332,000 | 2,716 |
| Average earning assets | $212,248,800 | 2,707 |
| Average equity | $24,181,400 | 2,649 |
| Average total loans | $137,704,600 | 2,839 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7776% | 4,112 |
| Cost of funding earning assets | 0.5796% | 6,378 |
| Net interest margin | 4.1981% | 2,107 |
| Noninterest income to average assets | 0.5783% | 3,315 |
| Noninterest expense to average assets | 3.2471% | 2,669 |
| Loan and lease loss provision to assets | 0.5205% | 1,903 |
| Net operating income to assets | 0.6314% | 3,961 |
| Return on assets (ROA) | 0.6367% | 4,119 |
| Pretax return on assets | 0.6910% | 4,512 |
| Return on Equity (ROE) | 6.1680% | 3,941 |
| Retained earnings to average equity (ytd only) | 6.1680% | 2,451 |
| Net charge-offs to loans | 0.9694% | 1,655 |
| Credit loss provision to net charge-offs | 90.1804% | 3,764 |
| Earnings coverage of net charge-offs (x) | 2.0892% | 4,098 |
| Efficiency ratio | 72.9221% | 3,380 |
| Assets per employee ($millions) | 4.1832% | 3,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8892% | 943 |
| Loan loss allowance to noncurrent loans | 65.8103% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 3.5849% | 1,748 |
| Noncurrent loans to loans | 4.3902% | 1,483 |
| Net loans and leases to total assets | 59.4581% | 4,241 |
| Net loans and leases to deposits | 68.1014% | 4,588 |
| Net loans and leases to core deposits | 69.2468% | 5,035 |
| Total domestic deposits to total assets | 87.3081% | 2,468 |
| Equity capital to assets | 10.9291% | 3,209 |
| Core capital (leverage) ratio | 10.1903% | 3,201 |
| Tier 1 risk-based capital ratio | 15.1484% | 3,582 |
| Total risk-based capital ratio | 16.4141% | 3,538 |
| Memoranda: | ||
| Average total assets | $230,561,000 | 2,726 |
| Average earning assets | $212,791,500 | 2,706 |
| Average equity | $23,799,500 | 2,695 |
| Average total loans | $137,257,250 | 2,877 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7596% | 4,250 |
| Cost of funding earning assets | 0.5840% | 6,529 |
| Net interest margin | 4.1756% | 2,139 |
| Noninterest income to average assets | 0.3274% | 5,278 |
| Noninterest expense to average assets | 3.2647% | 2,683 |
| Loan and lease loss provision to assets | 0.5170% | 1,894 |
| Net operating income to assets | 0.3519% | 5,167 |
| Return on assets (ROA) | 0.3593% | 5,273 |
| Pretax return on assets | 0.4170% | 5,344 |
| Return on Equity (ROE) | 3.5484% | 5,141 |
| Retained earnings to average equity (ytd only) | 3.5484% | 3,983 |
| Net charge-offs to loans | 0.6296% | 2,258 |
| Credit loss provision to net charge-offs | 139.2111% | 2,186 |
| Earnings coverage of net charge-offs (x) | 2.4919% | 3,577 |
| Efficiency ratio | 77.9149% | 2,728 |
| Assets per employee ($millions) | 4.3860% | 3,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1291% | 807 |
| Loan loss allowance to noncurrent loans | 63.3621% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 3.6596% | 1,788 |
| Noncurrent loans to loans | 4.9384% | 1,328 |
| Net loans and leases to total assets | 56.7732% | 4,856 |
| Net loans and leases to deposits | 64.4945% | 5,211 |
| Net loans and leases to core deposits | 65.2657% | 5,588 |
| Total domestic deposits to total assets | 88.0280% | 2,116 |
| Equity capital to assets | 10.2792% | 3,781 |
| Core capital (leverage) ratio | 9.9226% | 3,360 |
| Tier 1 risk-based capital ratio | 15.2852% | 3,356 |
| Total risk-based capital ratio | 16.5545% | 3,300 |
| Memoranda: | ||
| Average total assets | $232,117,330 | 2,733 |
| Average earning assets | $214,725,670 | 2,704 |
| Average equity | $23,503,330 | 2,698 |
| Average total loans | $136,907,330 | 2,919 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7518% | 4,289 |
| Cost of funding earning assets | 0.5889% | 6,655 |
| Net interest margin | 4.1629% | 2,019 |
| Noninterest income to average assets | 0.4915% | 3,955 |
| Noninterest expense to average assets | 2.9714% | 3,760 |
| Loan and lease loss provision to assets | 0.5174% | 1,680 |
| Net operating income to assets | 0.8243% | 2,913 |
| Return on assets (ROA) | 0.8243% | 2,971 |
| Pretax return on assets | 0.8674% | 3,633 |
| Return on Equity (ROE) | 8.2034% | 2,830 |
| Retained earnings to average equity (ytd only) | 8.2034% | 1,664 |
| Net charge-offs to loans | 0.3847% | 2,535 |
| Credit loss provision to net charge-offs | 227.2727% | 1,343 |
| Earnings coverage of net charge-offs (x) | 6.0833% | 2,159 |
| Efficiency ratio | 68.2106% | 4,618 |
| Assets per employee ($millions) | 4.5572% | 2,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0402% | 880 |
| Loan loss allowance to noncurrent loans | 58.2957% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 3.6219% | 1,876 |
| Noncurrent loans to loans | 5.2152% | 1,275 |
| Net loans and leases to total assets | 56.2755% | 4,952 |
| Net loans and leases to deposits | 63.4436% | 5,330 |
| Net loans and leases to core deposits | 64.1784% | 5,704 |
| Total domestic deposits to total assets | 88.7018% | 1,956 |
| Equity capital to assets | 9.7229% | 4,144 |
| Core capital (leverage) ratio | 9.7067% | 3,512 |
| Tier 1 risk-based capital ratio | 15.0994% | 3,375 |
| Total risk-based capital ratio | 16.3683% | 3,323 |
| Memoranda: | ||
| Average total assets | $231,946,000 | 2,758 |
| Average earning assets | $215,331,000 | 2,719 |
| Average equity | $23,307,500 | 2,711 |
| Average total loans | $137,242,000 | 2,937 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1726% | 3,736 |
| Cost of funding earning assets | 0.7345% | 6,782 |
| Net interest margin | 4.4381% | 1,378 |
| Noninterest income to average assets | 0.4851% | 4,281 |
| Noninterest expense to average assets | 2.9007% | 4,220 |
| Loan and lease loss provision to assets | 0.7240% | 2,269 |
| Net operating income to assets | 0.8689% | 2,517 |
| Return on assets (ROA) | 0.8689% | 2,649 |
| Pretax return on assets | 0.8965% | 3,304 |
| Return on Equity (ROE) | 8.3151% | 2,573 |
| Retained earnings to average equity (ytd only) | 4.5084% | 2,717 |
| Net charge-offs to loans | 0.8521% | 2,503 |
| Credit loss provision to net charge-offs | 135.5932% | 2,859 |
| Earnings coverage of net charge-offs (x) | 3.0347% | 3,556 |
| Efficiency ratio | 64.1577% | 5,324 |
| Assets per employee ($millions) | 4.1178% | 3,541 |
| Cash dividends to net income (ytd only)* | 45.7813% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0484% | 836 |
| Loan loss allowance to noncurrent loans | 56.8532% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 3.8649% | 1,773 |
| Noncurrent loans to loans | 5.3620% | 1,228 |
| Net loans and leases to total assets | 58.5558% | 4,949 |
| Net loans and leases to deposits | 66.7039% | 5,304 |
| Net loans and leases to core deposits | 67.3766% | 5,735 |
| Total domestic deposits to total assets | 87.7846% | 2,374 |
| Equity capital to assets | 10.4025% | 3,270 |
| Core capital (leverage) ratio | 10.3502% | 2,718 |
| Tier 1 risk-based capital ratio | 15.6407% | 2,934 |
| Total risk-based capital ratio | 16.9104% | 2,878 |
| Memoranda: | ||
| Average total assets | $220,980,800 | 2,854 |
| Average earning assets | $200,963,600 | 2,864 |
| Average equity | $23,090,400 | 2,749 |
| Average total loans | $138,484,000 | 2,978 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2289% | 3,688 |
| Cost of funding earning assets | 0.7654% | 6,861 |
| Net interest margin | 4.4635% | 1,335 |
| Noninterest income to average assets | 0.4448% | 4,596 |
| Noninterest expense to average assets | 2.8323% | 4,341 |
| Loan and lease loss provision to assets | 0.6647% | 2,304 |
| Net operating income to assets | 0.9651% | 2,355 |
| Return on assets (ROA) | 0.9651% | 2,481 |
| Pretax return on assets | 0.9862% | 3,233 |
| Return on Equity (ROE) | 9.2255% | 2,420 |
| Retained earnings to average equity (ytd only) | 9.0811% | 1,030 |
| Net charge-offs to loans | 0.6727% | 2,746 |
| Credit loss provision to net charge-offs | 156.2500% | 2,455 |
| Earnings coverage of net charge-offs (x) | 3.8807% | 3,268 |
| Efficiency ratio | 63.1756% | 5,410 |
| Assets per employee ($millions) | 4.0794% | 3,681 |
| Cash dividends to net income (ytd only)* | 1.5653% | 3,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9107% | 893 |
| Loan loss allowance to noncurrent loans | 57.1549% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 3.8518% | 1,836 |
| Noncurrent loans to loans | 5.0927% | 1,349 |
| Net loans and leases to total assets | 61.6276% | 4,604 |
| Net loans and leases to deposits | 70.7883% | 5,038 |
| Net loans and leases to core deposits | 71.4029% | 5,586 |
| Total domestic deposits to total assets | 87.0591% | 2,495 |
| Equity capital to assets | 10.9163% | 3,040 |
| Core capital (leverage) ratio | 10.4337% | 2,761 |
| Tier 1 risk-based capital ratio | 15.4133% | 3,040 |
| Total risk-based capital ratio | 16.6811% | 3,000 |
| Memoranda: | ||
| Average total assets | $220,636,250 | 2,910 |
| Average earning assets | $199,629,000 | 2,927 |
| Average equity | $23,080,250 | 2,792 |
| Average total loans | $139,530,500 | 2,988 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2553% | 3,686 |
| Cost of funding earning assets | 0.8069% | 6,888 |
| Net interest margin | 4.4484% | 1,321 |
| Noninterest income to average assets | 0.4539% | 4,480 |
| Noninterest expense to average assets | 2.7714% | 4,612 |
| Loan and lease loss provision to assets | 0.7248% | 2,010 |
| Net operating income to assets | 0.9341% | 2,425 |
| Return on assets (ROA) | 0.9341% | 2,514 |
| Pretax return on assets | 0.9585% | 3,280 |
| Return on Equity (ROE) | 9.0606% | 2,435 |
| Retained earnings to average equity (ytd only) | 8.8408% | 1,161 |
| Net charge-offs to loans | 1.2106% | 1,575 |
| Credit loss provision to net charge-offs | 94.7867% | 4,269 |
| Earnings coverage of net charge-offs (x) | 2.2014% | 3,914 |
| Efficiency ratio | 62.2127% | 5,649 |
| Assets per employee ($millions) | 4.2331% | 3,330 |
| Cash dividends to net income (ytd only)* | 2.4248% | 3,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6177% | 1,170 |
| Loan loss allowance to noncurrent loans | 61.1832% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 3.1526% | 2,250 |
| Noncurrent loans to loans | 4.2784% | 1,735 |
| Net loans and leases to total assets | 60.1915% | 5,019 |
| Net loans and leases to deposits | 68.6793% | 5,462 |
| Net loans and leases to core deposits | 69.4660% | 5,922 |
| Total domestic deposits to total assets | 87.6414% | 2,187 |
| Equity capital to assets | 10.4170% | 3,510 |
| Core capital (leverage) ratio | 10.2867% | 2,846 |
| Tier 1 risk-based capital ratio | 15.1235% | 3,094 |
| Total risk-based capital ratio | 16.3878% | 3,042 |
| Memoranda: | ||
| Average total assets | $220,753,000 | 2,927 |
| Average earning assets | $198,542,330 | 2,970 |
| Average equity | $22,758,000 | 2,826 |
| Average total loans | $139,431,670 | 3,025 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3459% | 3,315 |
| Cost of funding earning assets | 0.9174% | 6,702 |
| Net interest margin | 4.4284% | 1,301 |
| Noninterest income to average assets | 0.4293% | 4,668 |
| Noninterest expense to average assets | 2.7403% | 4,719 |
| Loan and lease loss provision to assets | 0.5481% | 2,311 |
| Net operating income to assets | 1.0486% | 2,007 |
| Return on assets (ROA) | 1.0486% | 2,068 |
| Pretax return on assets | 1.0651% | 2,863 |
| Return on Equity (ROE) | 10.2265% | 2,031 |
| Retained earnings to average equity (ytd only) | 10.2265% | 1,093 |
| Net charge-offs to loans | 0.3433% | 3,038 |
| Credit loss provision to net charge-offs | 250.0000% | 1,539 |
| Earnings coverage of net charge-offs (x) | 7.3583% | 2,101 |
| Efficiency ratio | 62.9459% | 5,671 |
| Assets per employee ($millions) | 4.1006% | 3,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7125% | 1,076 |
| Loan loss allowance to noncurrent loans | 62.9841% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 3.3265% | 2,147 |
| Noncurrent loans to loans | 4.3067% | 1,765 |
| Net loans and leases to total assets | 62.4244% | 4,672 |
| Net loans and leases to deposits | 71.0712% | 5,189 |
| Net loans and leases to core deposits | 71.9138% | 5,722 |
| Total domestic deposits to total assets | 87.8337% | 2,152 |
| Equity capital to assets | 10.2569% | 3,527 |
| Core capital (leverage) ratio | 9.9426% | 3,237 |
| Tier 1 risk-based capital ratio | 14.4956% | 3,377 |
| Total risk-based capital ratio | 15.7610% | 3,340 |
| Memoranda: | ||
| Average total assets | $218,952,500 | 3,002 |
| Average earning assets | $194,019,500 | 3,076 |
| Average equity | $22,451,500 | 2,883 |
| Average total loans | $139,811,500 | 3,082 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3629% | 4,875 |
| Cost of funding earning assets | 1.2788% | 6,381 |
| Net interest margin | 4.0842% | 2,514 |
| Noninterest income to average assets | 0.4975% | 4,433 |
| Noninterest expense to average assets | 2.7371% | 5,208 |
| Loan and lease loss provision to assets | 1.4441% | 1,596 |
| Net operating income to assets | -0.0883% | 5,659 |
| Return on assets (ROA) | -0.0879% | 5,668 |
| Pretax return on assets | -0.0549% | 5,525 |
| Return on Equity (ROE) | -0.8601% | 5,676 |
| Retained earnings to average equity (ytd only) | -4.4706% | 5,940 |
| Net charge-offs to loans | 1.0384% | 2,335 |
| Credit loss provision to net charge-offs | 212.8880% | 1,803 |
| Earnings coverage of net charge-offs (x) | 2.0472% | 4,191 |
| Efficiency ratio | 66.3412% | 5,323 |
| Assets per employee ($millions) | 3.8656% | 4,104 |
| Cash dividends to net income (ytd only)* | -419.7917% | 7,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6712% | 1,044 |
| Loan loss allowance to noncurrent loans | 60.3780% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 3.3870% | 2,002 |
| Noncurrent loans to loans | 4.4241% | 1,614 |
| Net loans and leases to total assets | 61.8402% | 5,024 |
| Net loans and leases to deposits | 70.8675% | 5,486 |
| Net loans and leases to core deposits | 78.9223% | 6,186 |
| Total domestic deposits to total assets | 87.2617% | 2,351 |
| Equity capital to assets | 10.2511% | 3,458 |
| Core capital (leverage) ratio | 10.0029% | 3,086 |
| Tier 1 risk-based capital ratio | 14.2184% | 3,370 |
| Total risk-based capital ratio | 15.4833% | 3,312 |
| Memoranda: | ||
| Average total assets | $218,482,000 | 2,963 |
| Average earning assets | $194,091,600 | 3,050 |
| Average equity | $22,323,600 | 2,907 |
| Average total loans | $142,724,400 | 3,040 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2504% | 5,685 |
| Cost of funding earning assets | 1.3170% | 6,503 |
| Net interest margin | 3.9334% | 3,105 |
| Noninterest income to average assets | 0.4859% | 4,613 |
| Noninterest expense to average assets | 2.7240% | 5,223 |
| Loan and lease loss provision to assets | 1.4491% | 1,325 |
| Net operating income to assets | -0.1930% | 6,050 |
| Return on assets (ROA) | -0.1924% | 6,063 |
| Pretax return on assets | -0.1516% | 5,912 |
| Return on Equity (ROE) | -1.8845% | 6,083 |
| Retained earnings to average equity (ytd only) | -6.6913% | 6,471 |
| Net charge-offs to loans | 0.6897% | 2,629 |
| Credit loss provision to net charge-offs | 319.4631% | 1,286 |
| Earnings coverage of net charge-offs (x) | 2.8591% | 3,791 |
| Efficiency ratio | 67.7468% | 5,032 |
| Assets per employee ($millions) | 3.8815% | 3,990 |
| Cash dividends to net income (ytd only)* | -255.0650% | 8,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4862% | 1,079 |
| Loan loss allowance to noncurrent loans | 51.8170% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 3.6598% | 1,789 |
| Noncurrent loans to loans | 4.7981% | 1,416 |
| Net loans and leases to total assets | 65.6087% | 4,509 |
| Net loans and leases to deposits | 75.5837% | 5,114 |
| Net loans and leases to core deposits | 86.0397% | 5,864 |
| Total domestic deposits to total assets | 86.8027% | 2,280 |
| Equity capital to assets | 10.2175% | 3,830 |
| Core capital (leverage) ratio | 9.5743% | 3,818 |
| Tier 1 risk-based capital ratio | 13.4332% | 3,904 |
| Total risk-based capital ratio | 14.6958% | 3,829 |
| Memoranda: | ||
| Average total assets | $218,984,000 | 2,975 |
| Average earning assets | $196,806,500 | 3,033 |
| Average equity | $22,356,750 | 2,926 |
| Average total loans | $144,020,000 | 3,048 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0913% | 6,472 |
| Cost of funding earning assets | 1.3237% | 6,722 |
| Net interest margin | 3.7676% | 3,692 |
| Noninterest income to average assets | 0.5239% | 4,240 |
| Noninterest expense to average assets | 2.7004% | 5,385 |
| Loan and lease loss provision to assets | 1.9406% | 840 |
| Net operating income to assets | -0.7562% | 6,798 |
| Return on assets (ROA) | -0.7553% | 6,806 |
| Pretax return on assets | -0.7088% | 6,610 |
| Return on Equity (ROE) | -7.3998% | 6,840 |
| Retained earnings to average equity (ytd only) | -14.5943% | 7,220 |
| Net charge-offs to loans | 0.1438% | 4,740 |
| Credit loss provision to net charge-offs | 2,067.9612% | 252 |
| Earnings coverage of net charge-offs (x) | 13.1165% | 1,762 |
| Efficiency ratio | 68.6906% | 5,035 |
| Assets per employee ($millions) | 3.9968% | 3,677 |
| Cash dividends to net income (ytd only)* | -97.2256% | 8,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7544% | 711 |
| Loan loss allowance to noncurrent loans | 51.5221% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 3.9751% | 1,500 |
| Noncurrent loans to loans | 5.3461% | 1,107 |
| Net loans and leases to total assets | 63.5369% | 5,070 |
| Net loans and leases to deposits | 73.0303% | 5,605 |
| Net loans and leases to core deposits | 83.7642% | 6,103 |
| Total domestic deposits to total assets | 87.0008% | 2,257 |
| Equity capital to assets | 9.6640% | 4,405 |
| Core capital (leverage) ratio | 9.4603% | 3,939 |
| Tier 1 risk-based capital ratio | 12.9134% | 4,205 |
| Total risk-based capital ratio | 14.1783% | 4,112 |
| Memoranda: | ||
| Average total assets | $219,524,330 | 2,983 |
| Average earning assets | $198,535,670 | 3,023 |
| Average equity | $22,406,000 | 2,927 |
| Average total loans | $143,278,330 | 3,095 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2792% | 5,985 |
| Cost of funding earning assets | 1.3884% | 6,773 |
| Net interest margin | 3.8908% | 3,070 |
| Noninterest income to average assets | 0.5539% | 3,888 |
| Noninterest expense to average assets | 2.6130% | 5,403 |
| Loan and lease loss provision to assets | 2.5578% | 451 |
| Net operating income to assets | -1.2274% | 7,378 |
| Return on assets (ROA) | -1.2274% | 7,396 |
| Pretax return on assets | -1.1464% | 7,222 |
| Return on Equity (ROE) | -11.7048% | 7,456 |
| Retained earnings to average equity (ytd only) | -18.1451% | 7,589 |
| Net charge-offs to loans | -0.0226% | 7,469 |
| Credit loss provision to net charge-offs | -17,375.0000% | 6,802 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9291% | 5,519 |
| Assets per employee ($millions) | 4.0091% | 3,643 |
| Cash dividends to net income (ytd only)* | -55.0225% | 8,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4060% | 840 |
| Loan loss allowance to noncurrent loans | 67.3870% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 2.5759% | 2,226 |
| Noncurrent loans to loans | 3.5704% | 1,768 |
| Net loans and leases to total assets | 62.5275% | 5,230 |
| Net loans and leases to deposits | 72.1726% | 5,724 |
| Net loans and leases to core deposits | 80.3847% | 6,354 |
| Total domestic deposits to total assets | 86.6360% | 2,390 |
| Equity capital to assets | 10.0647% | 3,931 |
| Core capital (leverage) ratio | 9.8700% | 3,562 |
| Tier 1 risk-based capital ratio | 13.4170% | 3,919 |
| Total risk-based capital ratio | 14.6779% | 3,830 |
| Memoranda: | ||
| Average total assets | $217,376,000 | 3,024 |
| Average earning assets | $193,893,500 | 3,097 |
| Average equity | $22,794,000 | 2,893 |
| Average total loans | $141,799,000 | 3,137 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1163% | 4,952 |
| Cost of funding earning assets | 1.8019% | 7,001 |
| Net interest margin | 4.3144% | 1,932 |
| Noninterest income to average assets | 0.7196% | 2,992 |
| Noninterest expense to average assets | 2.7913% | 4,858 |
| Loan and lease loss provision to assets | 0.6756% | 2,153 |
| Net operating income to assets | 0.8733% | 3,117 |
| Return on assets (ROA) | 0.8733% | 2,971 |
| Pretax return on assets | 1.1372% | 2,891 |
| Return on Equity (ROE) | 7.5059% | 3,279 |
| Retained earnings to average equity (ytd only) | -3.3995% | 6,207 |
| Net charge-offs to loans | 0.9912% | 1,250 |
| Credit loss provision to net charge-offs | 99.0668% | 5,412 |
| Earnings coverage of net charge-offs (x) | 2.6583% | 4,753 |
| Efficiency ratio | 60.6273% | 6,238 |
| Assets per employee ($millions) | 3.6939% | 4,189 |
| Cash dividends to net income (ytd only)* | 145.2915% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4059% | 3,162 |
| Loan loss allowance to noncurrent loans | 44.2210% | 5,800 |
| Noncurrent assets plus other real estate owned to assets | 2.4920% | 1,951 |
| Noncurrent loans to loans | 3.1794% | 1,659 |
| Net loans and leases to total assets | 65.4953% | 4,952 |
| Net loans and leases to deposits | 76.8859% | 5,486 |
| Net loans and leases to core deposits | 88.3579% | 5,940 |
| Total domestic deposits to total assets | 85.1850% | 2,759 |
| Equity capital to assets | 10.9195% | 3,103 |
| Core capital (leverage) ratio | 11.1649% | 2,453 |
| Tier 1 risk-based capital ratio | 14.0492% | 3,528 |
| Total risk-based capital ratio | 15.2843% | 3,452 |
| Memoranda: | ||
| Average total assets | $204,277,000 | 3,081 |
| Average earning assets | $183,919,200 | 3,139 |
| Average equity | $23,768,000 | 2,755 |
| Average total loans | $140,539,000 | 3,089 |