Home > City State Bank > Performance and Condition Ratios
City State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5664% | 2,980 |
| Cost of funding earning assets | 2.0651% | 820 |
| Net interest margin | 2.5013% | 4,088 |
| Noninterest income to average assets | 1.1100% | 542 |
| Noninterest expense to average assets | 2.4902% | 2,326 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.9551% | 2,347 |
| Return on assets (ROA) | 0.9551% | 2,344 |
| Pretax return on assets | 1.0002% | 2,691 |
| Return on Equity (ROE) | 12.3600% | 1,874 |
| Retained earnings to average equity (ytd only) | 6.8369% | 1,941 |
| Net charge-offs to loans | -0.0061% | 3,879 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.6009% | 1,930 |
| Assets per employee ($millions) | 7.7840% | 1,545 |
| Cash dividends to net income (ytd only)* | 44.6662% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9940% | 3,349 |
| Loan loss allowance to noncurrent loans | 2,841.6216% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 3,533 |
| Noncurrent loans to loans | 0.0350% | 3,485 |
| Net loans and leases to total assets | 71.5600% | 1,634 |
| Net loans and leases to deposits | 80.0073% | 2,106 |
| Net loans and leases to core deposits | 84.9959% | 2,377 |
| Total domestic deposits to total assets | 89.4500% | 926 |
| Equity capital to assets | 8.0404% | 3,384 |
| Core capital (leverage) ratio | 8.7356% | 3,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4642% | 2,429 |
| Memoranda: | ||
| Average total assets | $697,858,200 | 1,315 |
| Average earning assets | $678,014,400 | 1,267 |
| Average equity | $53,942,600 | 1,514 |
| Average total loans | $507,922,400 | 1,218 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4842% | 2,945 |
| Cost of funding earning assets | 1.9952% | 714 |
| Net interest margin | 2.4890% | 4,155 |
| Noninterest income to average assets | 1.1200% | 543 |
| Noninterest expense to average assets | 2.4894% | 2,266 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.9401% | 2,546 |
| Return on assets (ROA) | 0.9401% | 2,534 |
| Pretax return on assets | 0.9832% | 2,902 |
| Return on Equity (ROE) | 12.2900% | 2,056 |
| Retained earnings to average equity (ytd only) | 6.5349% | 2,446 |
| Net charge-offs to loans | -0.0074% | 3,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.5783% | 1,836 |
| Assets per employee ($millions) | 7.6361% | 1,547 |
| Cash dividends to net income (ytd only)* | 46.8422% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0026% | 3,349 |
| Loan loss allowance to noncurrent loans | 852.9221% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.0896% | 2,985 |
| Noncurrent loans to loans | 0.1176% | 2,979 |
| Net loans and leases to total assets | 75.4900% | 1,176 |
| Net loans and leases to deposits | 84.6470% | 1,683 |
| Net loans and leases to core deposits | 90.1695% | 1,921 |
| Total domestic deposits to total assets | 89.1800% | 1,189 |
| Equity capital to assets | 7.9521% | 3,083 |
| Core capital (leverage) ratio | 8.7283% | 4,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1177% | 2,580 |
| Memoranda: | ||
| Average total assets | $689,399,000 | 1,320 |
| Average earning assets | $669,539,750 | 1,274 |
| Average equity | $52,720,500 | 1,529 |
| Average total loans | $502,681,750 | 1,226 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3613% | 2,979 |
| Cost of funding earning assets | 1.8802% | 639 |
| Net interest margin | 2.4811% | 4,228 |
| Noninterest income to average assets | 1.1000% | 492 |
| Noninterest expense to average assets | 2.4706% | 2,290 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.9401% | 2,614 |
| Return on assets (ROA) | 0.9401% | 2,602 |
| Pretax return on assets | 0.9819% | 2,968 |
| Return on Equity (ROE) | 12.4600% | 2,023 |
| Retained earnings to average equity (ytd only) | 7.0818% | 2,255 |
| Net charge-offs to loans | -0.0097% | 3,898 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.6564% | 1,795 |
| Assets per employee ($millions) | 7.5547% | 1,574 |
| Cash dividends to net income (ytd only)* | 43.1566% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9980% | 3,431 |
| Loan loss allowance to noncurrent loans | 4,549.1071% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 3,677 |
| Noncurrent loans to loans | 0.0219% | 3,603 |
| Net loans and leases to total assets | 72.7200% | 1,447 |
| Net loans and leases to deposits | 80.1216% | 1,965 |
| Net loans and leases to core deposits | 83.9625% | 2,214 |
| Total domestic deposits to total assets | 90.7600% | 713 |
| Equity capital to assets | 7.5547% | 3,492 |
| Core capital (leverage) ratio | 8.1436% | 4,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7247% | 2,705 |
| Memoranda: | ||
| Average total assets | $690,114,333 | 1,316 |
| Average earning assets | $670,993,333 | 1,266 |
| Average equity | $52,077,000 | 1,544 |
| Average total loans | $495,566,000 | 1,229 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1506% | 3,139 |
| Cost of funding earning assets | 1.7147% | 554 |
| Net interest margin | 2.4359% | 4,359 |
| Noninterest income to average assets | 1.0700% | 522 |
| Noninterest expense to average assets | 2.4379% | 2,410 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9604% | 2,652 |
| Return on assets (ROA) | 0.9604% | 2,614 |
| Pretax return on assets | 0.9999% | 2,996 |
| Return on Equity (ROE) | 12.7300% | 2,040 |
| Retained earnings to average equity (ytd only) | 7.3349% | 2,412 |
| Net charge-offs to loans | -0.0164% | 4,043 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.1354% | 1,735 |
| Assets per employee ($millions) | 7.7104% | 1,503 |
| Cash dividends to net income (ytd only)* | 42.3985% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0026% | 3,507 |
| Loan loss allowance to noncurrent loans | 7,418.1818% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 3,530 |
| Noncurrent loans to loans | 0.0135% | 3,722 |
| Net loans and leases to total assets | 69.6700% | 1,662 |
| Net loans and leases to deposits | 76.7510% | 2,059 |
| Net loans and leases to core deposits | 80.4746% | 2,218 |
| Total domestic deposits to total assets | 90.7700% | 878 |
| Equity capital to assets | 7.6068% | 3,504 |
| Core capital (leverage) ratio | 8.2022% | 4,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7645% | 2,794 |
| Memoranda: | ||
| Average total assets | $687,654,500 | 1,333 |
| Average earning assets | $668,816,500 | 1,284 |
| Average equity | $51,861,500 | 1,569 |
| Average total loans | $488,082,000 | 1,254 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4321% | 3,264 |
| Cost of funding earning assets | 0.7287% | 511 |
| Net interest margin | 2.7034% | 4,049 |
| Noninterest income to average assets | 1.1400% | 514 |
| Noninterest expense to average assets | 2.4817% | 2,177 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.0943% | 2,199 |
| Return on assets (ROA) | 1.0943% | 2,144 |
| Pretax return on assets | 1.1506% | 2,601 |
| Return on Equity (ROE) | 13.9600% | 1,544 |
| Retained earnings to average equity (ytd only) | 8.4416% | 1,659 |
| Net charge-offs to loans | -0.0035% | 3,553 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.1940% | 2,339 |
| Assets per employee ($millions) | 7.4876% | 1,626 |
| Cash dividends to net income (ytd only)* | 39.5480% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 3,394 |
| Loan loss allowance to noncurrent loans | 6,019.7531% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0279% | 3,540 |
| Noncurrent loans to loans | 0.0166% | 3,717 |
| Net loans and leases to total assets | 70.8800% | 1,536 |
| Net loans and leases to deposits | 77.9614% | 1,951 |
| Net loans and leases to core deposits | 81.3082% | 2,049 |
| Total domestic deposits to total assets | 90.9100% | 991 |
| Equity capital to assets | 7.4756% | 3,400 |
| Core capital (leverage) ratio | 8.2997% | 4,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5968% | 2,840 |
| Memoranda: | ||
| Average total assets | $646,968,200 | 1,386 |
| Average earning assets | $628,545,200 | 1,331 |
| Average equity | $50,701,400 | 1,601 |
| Average total loans | $427,596,000 | 1,318 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2178% | 3,393 |
| Cost of funding earning assets | 0.5208% | 675 |
| Net interest margin | 2.6970% | 3,936 |
| Noninterest income to average assets | 1.1700% | 523 |
| Noninterest expense to average assets | 2.4675% | 2,104 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.1542% | 1,879 |
| Return on assets (ROA) | 1.1542% | 1,853 |
| Pretax return on assets | 1.2135% | 2,317 |
| Return on Equity (ROE) | 14.5500% | 1,275 |
| Retained earnings to average equity (ytd only) | 9.0199% | 1,645 |
| Net charge-offs to loans | -0.0032% | 3,374 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.3617% | 2,494 |
| Assets per employee ($millions) | 6.8294% | 2,069 |
| Cash dividends to net income (ytd only)* | 38.0022% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9992% | 3,489 |
| Loan loss allowance to noncurrent loans | 1,185.6397% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.0792% | 3,114 |
| Noncurrent loans to loans | 0.0843% | 3,274 |
| Net loans and leases to total assets | 72.3900% | 1,245 |
| Net loans and leases to deposits | 80.2219% | 1,563 |
| Net loans and leases to core deposits | 83.8097% | 1,664 |
| Total domestic deposits to total assets | 90.2400% | 1,552 |
| Equity capital to assets | 7.7925% | 3,024 |
| Core capital (leverage) ratio | 8.3740% | 4,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9424% | 2,833 |
| Memoranda: | ||
| Average total assets | $638,366,500 | 1,410 |
| Average earning assets | $620,080,500 | 1,360 |
| Average equity | $50,642,500 | 1,636 |
| Average total loans | $412,540,250 | 1,346 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9431% | 3,693 |
| Cost of funding earning assets | 0.4191% | 810 |
| Net interest margin | 2.5240% | 4,050 |
| Noninterest income to average assets | 1.1677% | 499 |
| Noninterest expense to average assets | 2.4068% | 2,208 |
| Loan and lease loss provision to assets | 0.0543% | 1,603 |
| Net operating income to assets | 1.1053% | 1,758 |
| Return on assets (ROA) | 1.1053% | 1,732 |
| Pretax return on assets | 1.1603% | 2,207 |
| Return on Equity (ROE) | 13.8535% | 1,150 |
| Retained earnings to average equity (ytd only) | 8.4039% | 1,471 |
| Net charge-offs to loans | -0.0030% | 3,205 |
| Credit loss provision to net charge-offs | -2,916.6667% | 3,710 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7062% | 2,556 |
| Assets per employee ($millions) | 7.3923% | 1,675 |
| Cash dividends to net income (ytd only)* | 39.3369% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9771% | 3,696 |
| Loan loss allowance to noncurrent loans | 4,868.6047% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 3,682 |
| Noncurrent loans to loans | 0.0201% | 3,816 |
| Net loans and leases to total assets | 65.2298% | 1,788 |
| Net loans and leases to deposits | 72.1874% | 2,009 |
| Net loans and leases to core deposits | 76.2470% | 1,990 |
| Total domestic deposits to total assets | 90.3617% | 1,536 |
| Equity capital to assets | 7.8076% | 3,259 |
| Core capital (leverage) ratio | 7.8885% | 4,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2365% | 2,741 |
| Memoranda: | ||
| Average total assets | $643,998,333 | 1,396 |
| Average earning assets | $626,066,667 | 1,358 |
| Average equity | $51,380,667 | 1,647 |
| Average total loans | $398,572,667 | 1,383 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7635% | 3,816 |
| Cost of funding earning assets | 0.3653% | 1,092 |
| Net interest margin | 2.3982% | 4,072 |
| Noninterest income to average assets | 1.1200% | 538 |
| Noninterest expense to average assets | 2.4116% | 2,120 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9939% | 1,898 |
| Return on assets (ROA) | 0.9939% | 1,896 |
| Pretax return on assets | 1.0401% | 2,322 |
| Return on Equity (ROE) | 12.3229% | 1,219 |
| Retained earnings to average equity (ytd only) | 6.9046% | 1,923 |
| Net charge-offs to loans | -0.0031% | 3,202 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0903% | 2,361 |
| Assets per employee ($millions) | 7.7747% | 1,505 |
| Cash dividends to net income (ytd only)* | 43.9698% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0396% | 3,562 |
| Loan loss allowance to noncurrent loans | 4,661.6279% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 3,737 |
| Noncurrent loans to loans | 0.0223% | 3,832 |
| Net loans and leases to total assets | 59.1366% | 2,174 |
| Net loans and leases to deposits | 65.6352% | 2,365 |
| Net loans and leases to core deposits | 68.0076% | 2,457 |
| Total domestic deposits to total assets | 90.0990% | 1,503 |
| Equity capital to assets | 7.9181% | 3,629 |
| Core capital (leverage) ratio | 8.1276% | 4,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1461% | 2,553 |
| Memoranda: | ||
| Average total assets | $640,738,000 | 1,410 |
| Average earning assets | $622,976,500 | 1,368 |
| Average equity | $51,676,000 | 1,688 |
| Average total loans | $383,599,500 | 1,420 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2304% | 3,402 |
| Cost of funding earning assets | 0.4835% | 998 |
| Net interest margin | 2.7469% | 3,789 |
| Noninterest income to average assets | 1.1539% | 792 |
| Noninterest expense to average assets | 2.4332% | 2,382 |
| Loan and lease loss provision to assets | 0.0083% | 2,914 |
| Net operating income to assets | 1.3037% | 1,587 |
| Return on assets (ROA) | 1.3037% | 1,626 |
| Pretax return on assets | 1.3704% | 2,137 |
| Return on Equity (ROE) | 15.6965% | 803 |
| Retained earnings to average equity (ytd only) | 10.1492% | 882 |
| Net charge-offs to loans | -0.0055% | 3,575 |
| Credit loss provision to net charge-offs | -238.0952% | 3,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6526% | 2,617 |
| Assets per employee ($millions) | 7.8541% | 1,416 |
| Cash dividends to net income (ytd only)* | 35.3413% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 3,573 |
| Loan loss allowance to noncurrent loans | 4,172.9167% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0322% | 3,803 |
| Noncurrent loans to loans | 0.0252% | 3,887 |
| Net loans and leases to total assets | 59.3507% | 2,222 |
| Net loans and leases to deposits | 66.5224% | 2,461 |
| Net loans and leases to core deposits | 70.8131% | 2,374 |
| Total domestic deposits to total assets | 89.2192% | 1,403 |
| Equity capital to assets | 8.2142% | 4,225 |
| Core capital (leverage) ratio | 7.9174% | 4,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4122% | 2,488 |
| Memoranda: | ||
| Average total assets | $602,285,400 | 1,450 |
| Average earning assets | $582,813,000 | 1,406 |
| Average equity | $50,023,800 | 1,765 |
| Average total loans | $383,350,200 | 1,418 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3517% | 3,241 |
| Cost of funding earning assets | 0.4988% | 1,049 |
| Net interest margin | 2.8529% | 3,649 |
| Noninterest income to average assets | 1.1352% | 882 |
| Noninterest expense to average assets | 2.4128% | 2,402 |
| Loan and lease loss provision to assets | 0.0113% | 2,764 |
| Net operating income to assets | 1.3968% | 1,555 |
| Return on assets (ROA) | 1.3968% | 1,615 |
| Pretax return on assets | 1.4682% | 2,088 |
| Return on Equity (ROE) | 16.7682% | 805 |
| Retained earnings to average equity (ytd only) | 12.5229% | 720 |
| Net charge-offs to loans | -0.0045% | 3,401 |
| Credit loss provision to net charge-offs | -384.6154% | 3,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8114% | 2,729 |
| Assets per employee ($millions) | 7.4912% | 1,576 |
| Cash dividends to net income (ytd only)* | 25.3175% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0453% | 3,688 |
| Loan loss allowance to noncurrent loans | 3,446.5517% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 3,912 |
| Noncurrent loans to loans | 0.0303% | 3,982 |
| Net loans and leases to total assets | 61.6108% | 2,062 |
| Net loans and leases to deposits | 69.4181% | 2,295 |
| Net loans and leases to core deposits | 74.2590% | 2,209 |
| Total domestic deposits to total assets | 88.7532% | 1,431 |
| Equity capital to assets | 8.4628% | 4,238 |
| Core capital (leverage) ratio | 8.1691% | 4,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5009% | 2,546 |
| Memoranda: | ||
| Average total assets | $593,812,000 | 1,478 |
| Average earning assets | $573,866,250 | 1,439 |
| Average equity | $49,465,500 | 1,796 |
| Average total loans | $383,792,000 | 1,450 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2096% | 3,660 |
| Cost of funding earning assets | 0.5253% | 1,068 |
| Net interest margin | 2.6842% | 4,011 |
| Noninterest income to average assets | 1.0849% | 949 |
| Noninterest expense to average assets | 2.3990% | 2,468 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2143% | 2,135 |
| Return on assets (ROA) | 1.2143% | 2,209 |
| Pretax return on assets | 1.2746% | 2,697 |
| Return on Equity (ROE) | 14.6589% | 1,242 |
| Retained earnings to average equity (ytd only) | 10.4430% | 1,272 |
| Net charge-offs to loans | -0.0052% | 3,448 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1178% | 2,281 |
| Assets per employee ($millions) | 7.5473% | 1,450 |
| Cash dividends to net income (ytd only)* | 28.7598% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0286% | 3,729 |
| Loan loss allowance to noncurrent loans | 1,225.1553% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.0705% | 3,740 |
| Noncurrent loans to loans | 0.0840% | 3,768 |
| Net loans and leases to total assets | 62.0926% | 2,171 |
| Net loans and leases to deposits | 69.8475% | 2,426 |
| Net loans and leases to core deposits | 74.3137% | 2,379 |
| Total domestic deposits to total assets | 88.8974% | 1,332 |
| Equity capital to assets | 8.1636% | 4,448 |
| Core capital (leverage) ratio | 8.0798% | 4,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1713% | 2,657 |
| Memoranda: | ||
| Average total assets | $586,991,000 | 1,484 |
| Average earning assets | $566,121,000 | 1,450 |
| Average equity | $48,625,667 | 1,816 |
| Average total loans | $384,236,667 | 1,456 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1587% | 3,759 |
| Cost of funding earning assets | 0.5451% | 1,132 |
| Net interest margin | 2.6136% | 4,121 |
| Noninterest income to average assets | 1.0048% | 1,123 |
| Noninterest expense to average assets | 2.4898% | 2,203 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9826% | 2,862 |
| Return on assets (ROA) | 0.9826% | 2,955 |
| Pretax return on assets | 1.0341% | 3,277 |
| Return on Equity (ROE) | 11.7703% | 2,104 |
| Retained earnings to average equity (ytd only) | 7.8108% | 2,311 |
| Net charge-offs to loans | -0.0052% | 3,410 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4581% | 1,650 |
| Assets per employee ($millions) | 7.0634% | 1,757 |
| Cash dividends to net income (ytd only)* | 33.6402% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 3,769 |
| Loan loss allowance to noncurrent loans | 2,814.2857% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 4,067 |
| Noncurrent loans to loans | 0.0362% | 4,100 |
| Net loans and leases to total assets | 66.8981% | 1,677 |
| Net loans and leases to deposits | 75.6842% | 1,945 |
| Net loans and leases to core deposits | 80.5544% | 1,954 |
| Total domestic deposits to total assets | 88.3910% | 1,659 |
| Equity capital to assets | 8.4340% | 4,170 |
| Core capital (leverage) ratio | 8.2309% | 4,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8249% | 2,731 |
| Memoranda: | ||
| Average total assets | $574,820,500 | 1,500 |
| Average earning assets | $554,022,500 | 1,462 |
| Average equity | $47,985,000 | 1,822 |
| Average total loans | $384,586,500 | 1,455 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5574% | 3,911 |
| Cost of funding earning assets | 0.7419% | 1,499 |
| Net interest margin | 2.8155% | 4,241 |
| Noninterest income to average assets | 1.2809% | 693 |
| Noninterest expense to average assets | 2.7156% | 2,195 |
| Loan and lease loss provision to assets | 0.1161% | 2,901 |
| Net operating income to assets | 1.0935% | 1,952 |
| Return on assets (ROA) | 1.0935% | 2,072 |
| Pretax return on assets | 1.1501% | 2,517 |
| Return on Equity (ROE) | 12.8123% | 1,088 |
| Retained earnings to average equity (ytd only) | 10.1145% | 563 |
| Net charge-offs to loans | 0.0008% | 3,403 |
| Credit loss provision to net charge-offs | 20,166.6667% | 44 |
| Earnings coverage of net charge-offs (x) | 2,199.6667% | 44 |
| Efficiency ratio | 68.0031% | 2,234 |
| Assets per employee ($millions) | 6.5626% | 1,880 |
| Cash dividends to net income (ytd only)* | 21.0563% | 3,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0288% | 3,764 |
| Loan loss allowance to noncurrent loans | 2,522.4359% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0448% | 4,122 |
| Noncurrent loans to loans | 0.0408% | 4,135 |
| Net loans and leases to total assets | 65.5492% | 2,150 |
| Net loans and leases to deposits | 74.4535% | 2,441 |
| Net loans and leases to core deposits | 80.5220% | 2,315 |
| Total domestic deposits to total assets | 88.0404% | 1,452 |
| Equity capital to assets | 8.2624% | 4,593 |
| Core capital (leverage) ratio | 8.0591% | 4,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $521,182,200 | 1,486 |
| Average earning assets | $499,948,200 | 1,455 |
| Average equity | $44,480,600 | 1,863 |
| Average total loans | $360,685,000 | 1,476 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6979% | 3,804 |
| Cost of funding earning assets | 0.7967% | 1,516 |
| Net interest margin | 2.9012% | 4,181 |
| Noninterest income to average assets | 1.2118% | 736 |
| Noninterest expense to average assets | 2.7155% | 2,213 |
| Loan and lease loss provision to assets | 0.1327% | 2,691 |
| Net operating income to assets | 1.0875% | 2,027 |
| Return on assets (ROA) | 1.0875% | 2,159 |
| Pretax return on assets | 1.1432% | 2,586 |
| Return on Equity (ROE) | 12.6272% | 1,213 |
| Retained earnings to average equity (ytd only) | 11.4060% | 507 |
| Net charge-offs to loans | 0.0026% | 3,082 |
| Credit loss provision to net charge-offs | 7,214.2857% | 163 |
| Earnings coverage of net charge-offs (x) | 693.2857% | 176 |
| Efficiency ratio | 67.8282% | 2,213 |
| Assets per employee ($millions) | 6.0416% | 2,230 |
| Cash dividends to net income (ytd only)* | 9.6712% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9908% | 3,742 |
| Loan loss allowance to noncurrent loans | 1,398.1752% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 4,185 |
| Noncurrent loans to loans | 0.0709% | 4,089 |
| Net loans and leases to total assets | 71.1941% | 1,789 |
| Net loans and leases to deposits | 82.0985% | 2,092 |
| Net loans and leases to core deposits | 89.3988% | 2,025 |
| Total domestic deposits to total assets | 86.7179% | 1,764 |
| Equity capital to assets | 8.7085% | 4,322 |
| Core capital (leverage) ratio | 7.9928% | 4,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $507,101,500 | 1,502 |
| Average earning assets | $485,849,000 | 1,465 |
| Average equity | $43,671,750 | 1,875 |
| Average total loans | $355,235,000 | 1,488 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5865% | 4,282 |
| Cost of funding earning assets | 0.8501% | 1,603 |
| Net interest margin | 2.7364% | 4,525 |
| Noninterest income to average assets | 1.1688% | 730 |
| Noninterest expense to average assets | 2.7297% | 2,292 |
| Loan and lease loss provision to assets | 0.1630% | 2,371 |
| Net operating income to assets | 0.8545% | 2,854 |
| Return on assets (ROA) | 0.8545% | 2,970 |
| Pretax return on assets | 0.8972% | 3,320 |
| Return on Equity (ROE) | 9.9624% | 1,995 |
| Retained earnings to average equity (ytd only) | 9.9624% | 795 |
| Net charge-offs to loans | -0.0052% | 4,024 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8139% | 1,707 |
| Assets per employee ($millions) | 6.2635% | 1,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0033% | 3,560 |
| Loan loss allowance to noncurrent loans | 1,216.2338% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.0559% | 4,247 |
| Noncurrent loans to loans | 0.0825% | 4,128 |
| Net loans and leases to total assets | 67.0563% | 2,490 |
| Net loans and leases to deposits | 77.5725% | 2,703 |
| Net loans and leases to core deposits | 81.4226% | 2,825 |
| Total domestic deposits to total assets | 86.4434% | 1,825 |
| Equity capital to assets | 8.1946% | 4,637 |
| Core capital (leverage) ratio | 8.1965% | 4,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $496,901,000 | 1,506 |
| Average earning assets | $475,955,000 | 1,469 |
| Average equity | $42,620,333 | 1,900 |
| Average total loans | $344,765,333 | 1,499 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8924% | 4,048 |
| Cost of funding earning assets | 0.9655% | 1,580 |
| Net interest margin | 2.9268% | 4,392 |
| Noninterest income to average assets | 1.2500% | 562 |
| Noninterest expense to average assets | 2.8653% | 2,229 |
| Loan and lease loss provision to assets | 0.0426% | 3,243 |
| Net operating income to assets | 1.0916% | 1,870 |
| Return on assets (ROA) | 1.0916% | 1,970 |
| Pretax return on assets | 1.1427% | 2,383 |
| Return on Equity (ROE) | 12.4025% | 1,011 |
| Retained earnings to average equity (ytd only) | 12.4025% | 382 |
| Net charge-offs to loans | -0.0048% | 3,862 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5276% | 2,274 |
| Assets per employee ($millions) | 5.6410% | 1,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0168% | 3,614 |
| Loan loss allowance to noncurrent loans | 1,685.0746% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.0410% | 4,409 |
| Noncurrent loans to loans | 0.0603% | 4,305 |
| Net loans and leases to total assets | 67.1827% | 2,677 |
| Net loans and leases to deposits | 78.2319% | 2,858 |
| Net loans and leases to core deposits | 83.1215% | 2,925 |
| Total domestic deposits to total assets | 85.8763% | 2,044 |
| Equity capital to assets | 8.4549% | 4,851 |
| Core capital (leverage) ratio | 8.9374% | 4,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3119% | 3,001 |
| Memoranda: | ||
| Average total assets | $469,755,500 | 1,535 |
| Average earning assets | $449,493,500 | 1,494 |
| Average equity | $41,346,500 | 1,938 |
| Average total loans | $330,470,500 | 1,522 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3272% | 3,466 |
| Cost of funding earning assets | 1.1428% | 1,182 |
| Net interest margin | 3.1844% | 4,220 |
| Noninterest income to average assets | 1.3264% | 541 |
| Noninterest expense to average assets | 3.0380% | 1,915 |
| Loan and lease loss provision to assets | 0.0534% | 2,965 |
| Net operating income to assets | 1.2312% | 1,942 |
| Return on assets (ROA) | 1.2307% | 2,030 |
| Pretax return on assets | 1.2950% | 2,520 |
| Return on Equity (ROE) | 13.2593% | 1,095 |
| Retained earnings to average equity (ytd only) | 9.1693% | 671 |
| Net charge-offs to loans | -0.0058% | 4,366 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,553 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0302% | 2,314 |
| Assets per employee ($millions) | 4.9860% | 2,620 |
| Cash dividends to net income (ytd only)* | 30.8463% | 3,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0167% | 3,404 |
| Loan loss allowance to noncurrent loans | 808.9806% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.0918% | 4,170 |
| Noncurrent loans to loans | 0.1257% | 4,023 |
| Net loans and leases to total assets | 72.3154% | 2,042 |
| Net loans and leases to deposits | 82.4334% | 2,503 |
| Net loans and leases to core deposits | 87.8476% | 2,616 |
| Total domestic deposits to total assets | 87.7259% | 1,260 |
| Equity capital to assets | 9.1810% | 4,585 |
| Core capital (leverage) ratio | 8.9847% | 4,542 |
| Tier 1 risk-based capital ratio | 11.4294% | 4,662 |
| Total risk-based capital ratio | 12.3926% | 4,692 |
| Memoranda: | ||
| Average total assets | $421,456,200 | 1,660 |
| Average earning assets | $405,062,200 | 1,604 |
| Average equity | $39,119,600 | 1,977 |
| Average total loans | $310,930,000 | 1,558 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3781% | 3,429 |
| Cost of funding earning assets | 1.1460% | 1,189 |
| Net interest margin | 3.2321% | 4,228 |
| Noninterest income to average assets | 1.2634% | 573 |
| Noninterest expense to average assets | 3.0265% | 1,907 |
| Loan and lease loss provision to assets | 0.0257% | 3,382 |
| Net operating income to assets | 1.2547% | 2,000 |
| Return on assets (ROA) | 1.2544% | 2,083 |
| Pretax return on assets | 1.3197% | 2,600 |
| Return on Equity (ROE) | 13.4747% | 1,120 |
| Retained earnings to average equity (ytd only) | 9.3297% | 949 |
| Net charge-offs to loans | -0.0048% | 4,193 |
| Credit loss provision to net charge-offs | -727.2727% | 4,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0005% | 2,260 |
| Assets per employee ($millions) | 4.8651% | 2,717 |
| Cash dividends to net income (ytd only)* | 30.7614% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0160% | 3,482 |
| Loan loss allowance to noncurrent loans | 1,383.0435% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 4,442 |
| Noncurrent loans to loans | 0.0735% | 4,309 |
| Net loans and leases to total assets | 72.3906% | 2,115 |
| Net loans and leases to deposits | 82.6019% | 2,607 |
| Net loans and leases to core deposits | 88.0286% | 2,726 |
| Total domestic deposits to total assets | 87.6380% | 1,199 |
| Equity capital to assets | 9.4105% | 4,521 |
| Core capital (leverage) ratio | 9.2331% | 4,449 |
| Tier 1 risk-based capital ratio | 11.8757% | 4,474 |
| Total risk-based capital ratio | 12.8522% | 4,520 |
| Memoranda: | ||
| Average total assets | $414,635,250 | 1,701 |
| Average earning assets | $398,819,750 | 1,637 |
| Average equity | $38,599,750 | 2,003 |
| Average total loans | $306,702,250 | 1,588 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3214% | 3,579 |
| Cost of funding earning assets | 1.1416% | 1,157 |
| Net interest margin | 3.1798% | 4,401 |
| Noninterest income to average assets | 1.1577% | 636 |
| Noninterest expense to average assets | 2.9483% | 2,141 |
| Loan and lease loss provision to assets | 0.0146% | 3,486 |
| Net operating income to assets | 1.1972% | 2,159 |
| Return on assets (ROA) | 1.1972% | 2,220 |
| Pretax return on assets | 1.2591% | 2,713 |
| Return on Equity (ROE) | 12.9086% | 1,272 |
| Retained earnings to average equity (ytd only) | 8.7021% | 1,127 |
| Net charge-offs to loans | -0.0046% | 4,098 |
| Credit loss provision to net charge-offs | -428.5714% | 4,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6004% | 2,292 |
| Assets per employee ($millions) | 4.8275% | 2,702 |
| Cash dividends to net income (ytd only)* | 32.5866% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 3,612 |
| Loan loss allowance to noncurrent loans | 284.2727% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.2650% | 3,506 |
| Noncurrent loans to loans | 0.3520% | 3,292 |
| Net loans and leases to total assets | 74.5112% | 1,802 |
| Net loans and leases to deposits | 85.0756% | 2,359 |
| Net loans and leases to core deposits | 90.1831% | 2,581 |
| Total domestic deposits to total assets | 87.5823% | 1,296 |
| Equity capital to assets | 9.4266% | 4,476 |
| Core capital (leverage) ratio | 9.1161% | 4,535 |
| Tier 1 risk-based capital ratio | 11.6262% | 4,622 |
| Total risk-based capital ratio | 12.5929% | 4,664 |
| Memoranda: | ||
| Average total assets | $410,138,330 | 1,719 |
| Average earning assets | $395,242,330 | 1,653 |
| Average equity | $38,036,670 | 2,020 |
| Average total loans | $304,568,330 | 1,596 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2399% | 3,746 |
| Cost of funding earning assets | 1.1083% | 1,159 |
| Net interest margin | 3.1316% | 4,527 |
| Noninterest income to average assets | 1.0863% | 679 |
| Noninterest expense to average assets | 2.9184% | 2,226 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1334% | 2,336 |
| Return on assets (ROA) | 1.1334% | 2,386 |
| Pretax return on assets | 1.1903% | 2,842 |
| Return on Equity (ROE) | 12.3243% | 1,436 |
| Retained earnings to average equity (ytd only) | 12.3243% | 559 |
| Net charge-offs to loans | -0.0053% | 4,042 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7905% | 2,225 |
| Assets per employee ($millions) | 4.9610% | 2,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0162% | 3,602 |
| Loan loss allowance to noncurrent loans | 1,185.4406% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.0634% | 4,506 |
| Noncurrent loans to loans | 0.0857% | 4,370 |
| Net loans and leases to total assets | 73.1880% | 1,947 |
| Net loans and leases to deposits | 83.4782% | 2,442 |
| Net loans and leases to core deposits | 87.2699% | 2,757 |
| Total domestic deposits to total assets | 87.6733% | 1,486 |
| Equity capital to assets | 9.2988% | 4,436 |
| Core capital (leverage) ratio | 9.2322% | 4,430 |
| Tier 1 risk-based capital ratio | 11.7747% | 4,578 |
| Total risk-based capital ratio | 12.7573% | 4,634 |
| Memoranda: | ||
| Average total assets | $407,624,000 | 1,742 |
| Average earning assets | $393,405,500 | 1,665 |
| Average equity | $37,487,000 | 2,036 |
| Average total loans | $300,616,000 | 1,630 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1284% | 3,654 |
| Cost of funding earning assets | 0.8784% | 1,181 |
| Net interest margin | 3.2500% | 4,385 |
| Noninterest income to average assets | 1.3095% | 539 |
| Noninterest expense to average assets | 3.0492% | 1,936 |
| Loan and lease loss provision to assets | 0.0572% | 3,025 |
| Net operating income to assets | 1.2826% | 1,868 |
| Return on assets (ROA) | 1.2828% | 1,862 |
| Pretax return on assets | 1.3512% | 2,313 |
| Return on Equity (ROE) | 14.6421% | 909 |
| Retained earnings to average equity (ytd only) | 11.8140% | 334 |
| Net charge-offs to loans | -0.0075% | 4,429 |
| Credit loss provision to net charge-offs | -1,022.7273% | 4,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1414% | 2,515 |
| Assets per employee ($millions) | 4.9205% | 2,591 |
| Cash dividends to net income (ytd only)* | 19.3146% | 3,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0412% | 3,441 |
| Loan loss allowance to noncurrent loans | 578.6517% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.1323% | 4,164 |
| Noncurrent loans to loans | 0.1799% | 3,948 |
| Net loans and leases to total assets | 72.7875% | 2,129 |
| Net loans and leases to deposits | 82.9539% | 2,627 |
| Net loans and leases to core deposits | 87.1909% | 2,818 |
| Total domestic deposits to total assets | 87.7445% | 1,418 |
| Equity capital to assets | 9.0921% | 4,498 |
| Core capital (leverage) ratio | 8.7163% | 4,871 |
| Tier 1 risk-based capital ratio | 11.8564% | 4,532 |
| Total risk-based capital ratio | 12.8771% | 4,543 |
| Memoranda: | ||
| Average total assets | $393,515,000 | 1,746 |
| Average earning assets | $381,143,400 | 1,666 |
| Average equity | $34,476,000 | 2,093 |
| Average total loans | $291,865,000 | 1,630 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0632% | 3,744 |
| Cost of funding earning assets | 0.7944% | 1,368 |
| Net interest margin | 3.2688% | 4,361 |
| Noninterest income to average assets | 1.3387% | 529 |
| Noninterest expense to average assets | 2.9856% | 2,051 |
| Loan and lease loss provision to assets | 0.0767% | 2,425 |
| Net operating income to assets | 1.3718% | 1,587 |
| Return on assets (ROA) | 1.3721% | 1,587 |
| Pretax return on assets | 1.4447% | 2,075 |
| Return on Equity (ROE) | 15.8155% | 721 |
| Retained earnings to average equity (ytd only) | 11.9834% | 479 |
| Net charge-offs to loans | -0.0078% | 4,329 |
| Credit loss provision to net charge-offs | -1,323.5294% | 4,673 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9832% | 2,876 |
| Assets per employee ($millions) | 4.9388% | 2,550 |
| Cash dividends to net income (ytd only)* | 24.2297% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 3,478 |
| Loan loss allowance to noncurrent loans | 1,049.3197% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.0717% | 4,615 |
| Noncurrent loans to loans | 0.0998% | 4,440 |
| Net loans and leases to total assets | 71.0845% | 2,481 |
| Net loans and leases to deposits | 80.7887% | 2,952 |
| Net loans and leases to core deposits | 90.6608% | 2,598 |
| Total domestic deposits to total assets | 87.9882% | 1,245 |
| Equity capital to assets | 8.6248% | 4,852 |
| Core capital (leverage) ratio | 8.5818% | 5,047 |
| Tier 1 risk-based capital ratio | 11.6453% | 4,707 |
| Total risk-based capital ratio | 12.6767% | 4,713 |
| Memoranda: | ||
| Average total assets | $391,022,750 | 1,760 |
| Average earning assets | $378,968,750 | 1,685 |
| Average equity | $33,923,750 | 2,118 |
| Average total loans | $290,637,250 | 1,638 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0329% | 3,676 |
| Cost of funding earning assets | 0.7045% | 1,595 |
| Net interest margin | 3.3284% | 4,169 |
| Noninterest income to average assets | 1.3719% | 505 |
| Noninterest expense to average assets | 2.9549% | 2,188 |
| Loan and lease loss provision to assets | 0.1170% | 1,694 |
| Net operating income to assets | 1.4509% | 1,275 |
| Return on assets (ROA) | 1.4514% | 1,276 |
| Pretax return on assets | 1.5279% | 1,717 |
| Return on Equity (ROE) | 16.6952% | 562 |
| Retained earnings to average equity (ytd only) | 10.8651% | 698 |
| Net charge-offs to loans | -0.0090% | 4,286 |
| Credit loss provision to net charge-offs | -1,730.7692% | 4,614 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9878% | 3,318 |
| Assets per employee ($millions) | 5.1288% | 2,267 |
| Cash dividends to net income (ytd only)* | 34.9212% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0186% | 3,727 |
| Loan loss allowance to noncurrent loans | 981.2102% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.0785% | 4,615 |
| Noncurrent loans to loans | 0.1038% | 4,448 |
| Net loans and leases to total assets | 73.8894% | 1,959 |
| Net loans and leases to deposits | 83.7901% | 2,560 |
| Net loans and leases to core deposits | 94.8958% | 2,149 |
| Total domestic deposits to total assets | 88.1839% | 1,281 |
| Equity capital to assets | 8.4627% | 4,973 |
| Core capital (leverage) ratio | 8.5865% | 5,055 |
| Tier 1 risk-based capital ratio | 10.8315% | 5,140 |
| Total risk-based capital ratio | 11.8258% | 5,139 |
| Memoranda: | ||
| Average total assets | $384,723,000 | 1,793 |
| Average earning assets | $373,031,670 | 1,714 |
| Average equity | $33,446,670 | 2,147 |
| Average total loans | $289,357,670 | 1,648 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0120% | 3,562 |
| Cost of funding earning assets | 0.6163% | 1,936 |
| Net interest margin | 3.3957% | 3,899 |
| Noninterest income to average assets | 1.3800% | 485 |
| Noninterest expense to average assets | 2.9789% | 2,116 |
| Loan and lease loss provision to assets | 0.1068% | 1,750 |
| Net operating income to assets | 1.5028% | 1,073 |
| Return on assets (ROA) | 1.5028% | 1,074 |
| Pretax return on assets | 1.5840% | 1,438 |
| Return on Equity (ROE) | 17.0414% | 507 |
| Retained earnings to average equity (ytd only) | 10.3799% | 1,047 |
| Net charge-offs to loans | -0.0099% | 4,244 |
| Credit loss provision to net charge-offs | -1,428.5714% | 4,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4263% | 3,574 |
| Assets per employee ($millions) | 4.8984% | 2,608 |
| Cash dividends to net income (ytd only)* | 39.0903% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0266% | 3,801 |
| Loan loss allowance to noncurrent loans | 919.0031% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.0862% | 4,659 |
| Noncurrent loans to loans | 0.1117% | 4,466 |
| Net loans and leases to total assets | 75.4029% | 1,634 |
| Net loans and leases to deposits | 85.6806% | 2,206 |
| Net loans and leases to core deposits | 105.1677% | 1,302 |
| Total domestic deposits to total assets | 88.0046% | 1,619 |
| Equity capital to assets | 8.8255% | 4,720 |
| Core capital (leverage) ratio | 8.8112% | 4,881 |
| Tier 1 risk-based capital ratio | 10.9211% | 5,175 |
| Total risk-based capital ratio | 11.9104% | 5,199 |
| Memoranda: | ||
| Average total assets | $374,496,000 | 1,845 |
| Average earning assets | $362,809,500 | 1,780 |
| Average equity | $33,025,500 | 2,184 |
| Average total loans | $282,804,500 | 1,685 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7444% | 4,232 |
| Cost of funding earning assets | 0.4764% | 2,534 |
| Net interest margin | 3.2679% | 4,261 |
| Noninterest income to average assets | 1.2226% | 698 |
| Noninterest expense to average assets | 2.9841% | 2,206 |
| Loan and lease loss provision to assets | 0.0276% | 3,726 |
| Net operating income to assets | 1.3085% | 1,207 |
| Return on assets (ROA) | 1.3085% | 1,222 |
| Pretax return on assets | 1.3786% | 2,060 |
| Return on Equity (ROE) | 15.0344% | 605 |
| Retained earnings to average equity (ytd only) | 8.5322% | 610 |
| Net charge-offs to loans | -0.0099% | 4,787 |
| Credit loss provision to net charge-offs | -384.6154% | 4,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4422% | 3,012 |
| Assets per employee ($millions) | 4.6477% | 2,957 |
| Cash dividends to net income (ytd only)* | 43.2489% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0217% | 3,799 |
| Loan loss allowance to noncurrent loans | 846.1310% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.0914% | 4,666 |
| Noncurrent loans to loans | 0.1208% | 4,441 |
| Net loans and leases to total assets | 74.0727% | 1,909 |
| Net loans and leases to deposits | 84.2393% | 2,466 |
| Net loans and leases to core deposits | 103.4054% | 1,454 |
| Total domestic deposits to total assets | 87.9313% | 1,540 |
| Equity capital to assets | 8.8117% | 4,891 |
| Core capital (leverage) ratio | 8.6302% | 5,012 |
| Tier 1 risk-based capital ratio | 10.7080% | 5,297 |
| Total risk-based capital ratio | 11.6663% | 5,313 |
| Memoranda: | ||
| Average total assets | $362,252,000 | 1,857 |
| Average earning assets | $351,140,600 | 1,797 |
| Average equity | $31,527,800 | 2,250 |
| Average total loans | $262,241,800 | 1,750 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6999% | 4,320 |
| Cost of funding earning assets | 0.4532% | 2,690 |
| Net interest margin | 3.2467% | 4,335 |
| Noninterest income to average assets | 1.2486% | 676 |
| Noninterest expense to average assets | 2.9600% | 2,216 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3627% | 1,178 |
| Return on assets (ROA) | 1.3627% | 1,190 |
| Pretax return on assets | 1.4364% | 1,987 |
| Return on Equity (ROE) | 15.7080% | 557 |
| Retained earnings to average equity (ytd only) | 9.1950% | 789 |
| Net charge-offs to loans | -0.0129% | 4,719 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7959% | 3,081 |
| Assets per employee ($millions) | 4.6094% | 2,960 |
| Cash dividends to net income (ytd only)* | 41.4627% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0393% | 3,846 |
| Loan loss allowance to noncurrent loans | 770.2247% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.1001% | 4,739 |
| Noncurrent loans to loans | 0.1349% | 4,516 |
| Net loans and leases to total assets | 72.6197% | 2,157 |
| Net loans and leases to deposits | 83.1923% | 2,638 |
| Net loans and leases to core deposits | 102.4826% | 1,509 |
| Total domestic deposits to total assets | 87.2914% | 1,734 |
| Equity capital to assets | 9.0717% | 4,849 |
| Core capital (leverage) ratio | 8.6645% | 5,096 |
| Tier 1 risk-based capital ratio | 11.1125% | 5,179 |
| Total risk-based capital ratio | 12.0881% | 5,234 |
| Memoranda: | ||
| Average total assets | $359,861,750 | 1,882 |
| Average earning assets | $348,903,500 | 1,818 |
| Average equity | $31,219,000 | 2,287 |
| Average total loans | $258,238,500 | 1,777 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6378% | 4,401 |
| Cost of funding earning assets | 0.4370% | 2,732 |
| Net interest margin | 3.2008% | 4,419 |
| Noninterest income to average assets | 1.2479% | 668 |
| Noninterest expense to average assets | 2.9214% | 2,356 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3579% | 1,154 |
| Return on assets (ROA) | 1.3579% | 1,183 |
| Pretax return on assets | 1.4312% | 1,894 |
| Return on Equity (ROE) | 15.8942% | 544 |
| Retained earnings to average equity (ytd only) | 9.3909% | 730 |
| Net charge-offs to loans | -0.0156% | 4,680 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5816% | 3,248 |
| Assets per employee ($millions) | 4.5915% | 2,962 |
| Cash dividends to net income (ytd only)* | 40.9165% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0821% | 3,685 |
| Loan loss allowance to noncurrent loans | 612.3043% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.1228% | 4,695 |
| Noncurrent loans to loans | 0.1767% | 4,412 |
| Net loans and leases to total assets | 68.1163% | 2,800 |
| Net loans and leases to deposits | 77.5946% | 3,153 |
| Net loans and leases to core deposits | 95.7565% | 2,006 |
| Total domestic deposits to total assets | 87.7848% | 1,575 |
| Equity capital to assets | 8.6818% | 5,163 |
| Core capital (leverage) ratio | 8.2162% | 5,418 |
| Tier 1 risk-based capital ratio | 11.5102% | 4,948 |
| Total risk-based capital ratio | 12.5439% | 4,975 |
| Memoranda: | ||
| Average total assets | $359,970,330 | 1,884 |
| Average earning assets | $349,164,670 | 1,819 |
| Average equity | $30,753,330 | 2,316 |
| Average total loans | $256,372,670 | 1,784 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5879% | 4,450 |
| Cost of funding earning assets | 0.4295% | 2,725 |
| Net interest margin | 3.1584% | 4,474 |
| Noninterest income to average assets | 1.2316% | 676 |
| Noninterest expense to average assets | 2.8617% | 2,573 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3573% | 1,095 |
| Return on assets (ROA) | 1.3573% | 1,132 |
| Pretax return on assets | 1.4325% | 1,757 |
| Return on Equity (ROE) | 16.0212% | 525 |
| Retained earnings to average equity (ytd only) | 9.7267% | 875 |
| Net charge-offs to loans | -0.0093% | 4,389 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0915% | 3,479 |
| Assets per employee ($millions) | 4.7424% | 2,777 |
| Cash dividends to net income (ytd only)* | 39.2887% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0559% | 3,954 |
| Loan loss allowance to noncurrent loans | 347.3214% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.2186% | 4,344 |
| Noncurrent loans to loans | 0.3040% | 4,029 |
| Net loans and leases to total assets | 70.7965% | 2,249 |
| Net loans and leases to deposits | 80.5688% | 2,676 |
| Net loans and leases to core deposits | 95.3101% | 1,867 |
| Total domestic deposits to total assets | 87.8709% | 1,786 |
| Equity capital to assets | 8.5086% | 5,237 |
| Core capital (leverage) ratio | 8.3974% | 5,309 |
| Tier 1 risk-based capital ratio | 11.0061% | 5,309 |
| Total risk-based capital ratio | 12.0143% | 5,349 |
| Memoranda: | ||
| Average total assets | $356,294,500 | 1,906 |
| Average earning assets | $345,490,000 | 1,846 |
| Average equity | $30,185,000 | 2,362 |
| Average total loans | $258,087,500 | 1,784 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5572% | 4,621 |
| Cost of funding earning assets | 0.4409% | 2,606 |
| Net interest margin | 3.1163% | 4,684 |
| Noninterest income to average assets | 1.1772% | 816 |
| Noninterest expense to average assets | 2.8778% | 2,750 |
| Loan and lease loss provision to assets | 0.0551% | 3,279 |
| Net operating income to assets | 1.1975% | 1,525 |
| Return on assets (ROA) | 1.1975% | 1,606 |
| Pretax return on assets | 1.2609% | 2,432 |
| Return on Equity (ROE) | 13.8943% | 794 |
| Retained earnings to average equity (ytd only) | 7.6238% | 991 |
| Net charge-offs to loans | -0.0172% | 5,085 |
| Credit loss provision to net charge-offs | -434.8837% | 5,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1579% | 3,207 |
| Assets per employee ($millions) | 4.6338% | 2,908 |
| Cash dividends to net income (ytd only)* | 45.1303% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0519% | 4,002 |
| Loan loss allowance to noncurrent loans | 343.9241% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.2255% | 4,404 |
| Noncurrent loans to loans | 0.3059% | 4,043 |
| Net loans and leases to total assets | 72.5703% | 2,081 |
| Net loans and leases to deposits | 82.6134% | 2,598 |
| Net loans and leases to core deposits | 99.4877% | 1,661 |
| Total domestic deposits to total assets | 87.8432% | 1,716 |
| Equity capital to assets | 8.4344% | 5,321 |
| Core capital (leverage) ratio | 8.2632% | 5,460 |
| Tier 1 risk-based capital ratio | 11.1159% | 5,279 |
| Total risk-based capital ratio | 12.1470% | 5,283 |
| Memoranda: | ||
| Average total assets | $339,531,000 | 1,951 |
| Average earning assets | $328,659,600 | 1,877 |
| Average equity | $29,263,800 | 2,425 |
| Average total loans | $250,361,000 | 1,792 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5455% | 4,694 |
| Cost of funding earning assets | 0.4391% | 2,648 |
| Net interest margin | 3.1064% | 4,757 |
| Noninterest income to average assets | 1.1967% | 805 |
| Noninterest expense to average assets | 2.8769% | 2,713 |
| Loan and lease loss provision to assets | 0.0595% | 3,068 |
| Net operating income to assets | 1.2026% | 1,644 |
| Return on assets (ROA) | 1.2026% | 1,731 |
| Pretax return on assets | 1.2660% | 2,549 |
| Return on Equity (ROE) | 13.8754% | 852 |
| Retained earnings to average equity (ytd only) | 8.4560% | 993 |
| Net charge-offs to loans | -0.0048% | 4,612 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9872% | 3,230 |
| Assets per employee ($millions) | 4.5843% | 2,945 |
| Cash dividends to net income (ytd only)* | 39.0574% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0317% | 4,233 |
| Loan loss allowance to noncurrent loans | 271.9424% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.2842% | 4,289 |
| Noncurrent loans to loans | 0.3794% | 3,901 |
| Net loans and leases to total assets | 73.8218% | 1,895 |
| Net loans and leases to deposits | 84.6801% | 2,403 |
| Net loans and leases to core deposits | 103.1223% | 1,407 |
| Total domestic deposits to total assets | 87.1773% | 1,812 |
| Equity capital to assets | 8.7662% | 5,348 |
| Core capital (leverage) ratio | 8.4855% | 5,369 |
| Tier 1 risk-based capital ratio | 11.0859% | 5,323 |
| Total risk-based capital ratio | 12.1017% | 5,362 |
| Memoranda: | ||
| Average total assets | $336,372,250 | 1,973 |
| Average earning assets | $325,474,750 | 1,904 |
| Average equity | $29,154,000 | 2,441 |
| Average total loans | $248,380,000 | 1,803 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5507% | 4,740 |
| Cost of funding earning assets | 0.4359% | 2,692 |
| Net interest margin | 3.1149% | 4,790 |
| Noninterest income to average assets | 1.1914% | 793 |
| Noninterest expense to average assets | 2.8902% | 2,710 |
| Loan and lease loss provision to assets | 0.0749% | 2,641 |
| Net operating income to assets | 1.1776% | 1,675 |
| Return on assets (ROA) | 1.1776% | 1,773 |
| Pretax return on assets | 1.2399% | 2,635 |
| Return on Equity (ROE) | 13.6408% | 898 |
| Retained earnings to average equity (ytd only) | 8.1942% | 1,107 |
| Net charge-offs to loans | -0.0065% | 4,586 |
| Credit loss provision to net charge-offs | -1,562.5000% | 5,181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2621% | 3,283 |
| Assets per employee ($millions) | 4.4639% | 3,096 |
| Cash dividends to net income (ytd only)* | 39.9288% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0885% | 4,005 |
| Loan loss allowance to noncurrent loans | 294.3820% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.2635% | 4,447 |
| Noncurrent loans to loans | 0.3698% | 4,035 |
| Net loans and leases to total assets | 70.1771% | 2,453 |
| Net loans and leases to deposits | 80.4013% | 2,882 |
| Net loans and leases to core deposits | 96.8360% | 1,906 |
| Total domestic deposits to total assets | 87.2835% | 1,765 |
| Equity capital to assets | 8.6798% | 5,498 |
| Core capital (leverage) ratio | 8.3145% | 5,525 |
| Tier 1 risk-based capital ratio | 11.4879% | 5,164 |
| Total risk-based capital ratio | 12.5563% | 5,173 |
| Memoranda: | ||
| Average total assets | $333,889,330 | 1,997 |
| Average earning assets | $323,031,670 | 1,913 |
| Average equity | $28,825,330 | 2,469 |
| Average total loans | $245,686,330 | 1,827 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5958% | 4,622 |
| Cost of funding earning assets | 0.4321% | 2,752 |
| Net interest margin | 3.1637% | 4,694 |
| Noninterest income to average assets | 1.1667% | 810 |
| Noninterest expense to average assets | 2.9118% | 2,666 |
| Loan and lease loss provision to assets | 0.0604% | 2,742 |
| Net operating income to assets | 1.1932% | 1,583 |
| Return on assets (ROA) | 1.1932% | 1,681 |
| Pretax return on assets | 1.2536% | 2,486 |
| Return on Equity (ROE) | 13.8596% | 861 |
| Retained earnings to average equity (ytd only) | 8.4589% | 1,280 |
| Net charge-offs to loans | -0.0097% | 4,519 |
| Credit loss provision to net charge-offs | -833.3333% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4195% | 3,395 |
| Assets per employee ($millions) | 4.5908% | 2,912 |
| Cash dividends to net income (ytd only)* | 38.9676% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0261% | 4,466 |
| Loan loss allowance to noncurrent loans | 398.5893% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.1916% | 4,800 |
| Noncurrent loans to loans | 0.2574% | 4,515 |
| Net loans and leases to total assets | 73.1924% | 1,854 |
| Net loans and leases to deposits | 83.8524% | 2,315 |
| Net loans and leases to core deposits | 101.9404% | 1,344 |
| Total domestic deposits to total assets | 87.2871% | 2,058 |
| Equity capital to assets | 8.5996% | 5,493 |
| Core capital (leverage) ratio | 8.3649% | 5,501 |
| Tier 1 risk-based capital ratio | 10.9541% | 5,530 |
| Total risk-based capital ratio | 11.9645% | 5,563 |
| Memoranda: | ||
| Average total assets | $331,204,500 | 2,017 |
| Average earning assets | $320,260,000 | 1,933 |
| Average equity | $28,514,500 | 2,479 |
| Average total loans | $248,178,500 | 1,809 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6987% | 4,370 |
| Cost of funding earning assets | 0.4443% | 2,690 |
| Net interest margin | 3.2544% | 4,455 |
| Noninterest income to average assets | 1.3401% | 672 |
| Noninterest expense to average assets | 3.0453% | 2,402 |
| Loan and lease loss provision to assets | 0.1644% | 1,401 |
| Net operating income to assets | 1.1986% | 1,555 |
| Return on assets (ROA) | 1.2028% | 1,611 |
| Pretax return on assets | 1.2664% | 2,411 |
| Return on Equity (ROE) | 13.7157% | 909 |
| Retained earnings to average equity (ytd only) | 7.2711% | 1,174 |
| Net charge-offs to loans | 0.0295% | 3,627 |
| Credit loss provision to net charge-offs | 735.7143% | 455 |
| Earnings coverage of net charge-offs (x) | 63.8143% | 837 |
| Efficiency ratio | 67.6807% | 3,629 |
| Assets per employee ($millions) | 4.3637% | 3,284 |
| Cash dividends to net income (ytd only)* | 46.9870% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 4,608 |
| Loan loss allowance to noncurrent loans | 271.0240% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.2817% | 4,458 |
| Noncurrent loans to loans | 0.3694% | 4,124 |
| Net loans and leases to total assets | 75.1764% | 1,539 |
| Net loans and leases to deposits | 86.3393% | 2,084 |
| Net loans and leases to core deposits | 106.9164% | 1,051 |
| Total domestic deposits to total assets | 87.0709% | 2,094 |
| Equity capital to assets | 8.6193% | 5,450 |
| Core capital (leverage) ratio | 8.2477% | 5,646 |
| Tier 1 risk-based capital ratio | 10.7596% | 5,643 |
| Total risk-based capital ratio | 11.7501% | 5,695 |
| Memoranda: | ||
| Average total assets | $313,174,000 | 2,074 |
| Average earning assets | $301,349,400 | 2,010 |
| Average equity | $27,464,800 | 2,506 |
| Average total loans | $237,012,600 | 1,822 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7085% | 4,390 |
| Cost of funding earning assets | 0.4394% | 2,804 |
| Net interest margin | 3.2691% | 4,457 |
| Noninterest income to average assets | 1.3417% | 676 |
| Noninterest expense to average assets | 2.9607% | 2,635 |
| Loan and lease loss provision to assets | 0.1615% | 1,326 |
| Net operating income to assets | 1.2942% | 1,356 |
| Return on assets (ROA) | 1.2999% | 1,396 |
| Pretax return on assets | 1.3680% | 2,142 |
| Return on Equity (ROE) | 14.7559% | 760 |
| Retained earnings to average equity (ytd only) | 9.2084% | 826 |
| Net charge-offs to loans | -0.0228% | 5,247 |
| Credit loss provision to net charge-offs | -937.5000% | 5,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6040% | 3,959 |
| Assets per employee ($millions) | 4.1949% | 3,527 |
| Cash dividends to net income (ytd only)* | 37.5954% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0039% | 4,727 |
| Loan loss allowance to noncurrent loans | 229.4118% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.3463% | 4,391 |
| Noncurrent loans to loans | 0.4376% | 4,039 |
| Net loans and leases to total assets | 78.0521% | 1,089 |
| Net loans and leases to deposits | 91.6451% | 1,450 |
| Net loans and leases to core deposits | 110.6502% | 840 |
| Total domestic deposits to total assets | 85.1678% | 2,945 |
| Equity capital to assets | 9.0614% | 5,256 |
| Core capital (leverage) ratio | 8.5744% | 5,490 |
| Tier 1 risk-based capital ratio | 10.7683% | 5,770 |
| Total risk-based capital ratio | 11.7515% | 5,812 |
| Memoranda: | ||
| Average total assets | $309,648,250 | 2,107 |
| Average earning assets | $297,652,750 | 2,043 |
| Average equity | $27,278,750 | 2,534 |
| Average total loans | $234,135,000 | 1,849 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6390% | 4,610 |
| Cost of funding earning assets | 0.4250% | 2,985 |
| Net interest margin | 3.2140% | 4,617 |
| Noninterest income to average assets | 1.2709% | 755 |
| Noninterest expense to average assets | 2.9335% | 2,773 |
| Loan and lease loss provision to assets | 0.1067% | 2,052 |
| Net operating income to assets | 1.2500% | 1,462 |
| Return on assets (ROA) | 1.2586% | 1,485 |
| Pretax return on assets | 1.3245% | 2,265 |
| Return on Equity (ROE) | 14.4247% | 830 |
| Retained earnings to average equity (ytd only) | 8.7941% | 991 |
| Net charge-offs to loans | -0.0312% | 5,348 |
| Credit loss provision to net charge-offs | -458.3333% | 5,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9041% | 3,852 |
| Assets per employee ($millions) | 4.4312% | 3,094 |
| Cash dividends to net income (ytd only)* | 39.0344% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9398% | 5,148 |
| Loan loss allowance to noncurrent loans | 171.2214% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.4246% | 4,216 |
| Noncurrent loans to loans | 0.5489% | 3,805 |
| Net loans and leases to total assets | 75.1507% | 1,484 |
| Net loans and leases to deposits | 89.3334% | 1,684 |
| Net loans and leases to core deposits | 104.5904% | 1,154 |
| Total domestic deposits to total assets | 84.1239% | 3,512 |
| Equity capital to assets | 8.6925% | 5,532 |
| Core capital (leverage) ratio | 8.3378% | 5,686 |
| Tier 1 risk-based capital ratio | 10.5398% | 5,905 |
| Total risk-based capital ratio | 11.4419% | 5,970 |
| Memoranda: | ||
| Average total assets | $309,389,000 | 2,127 |
| Average earning assets | $296,946,330 | 2,065 |
| Average equity | $26,995,330 | 2,569 |
| Average total loans | $230,596,330 | 1,882 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5983% | 4,696 |
| Cost of funding earning assets | 0.4069% | 3,232 |
| Net interest margin | 3.1914% | 4,640 |
| Noninterest income to average assets | 1.2191% | 759 |
| Noninterest expense to average assets | 2.9455% | 2,757 |
| Loan and lease loss provision to assets | 0.1173% | 1,760 |
| Net operating income to assets | 1.1640% | 1,656 |
| Return on assets (ROA) | 1.1813% | 1,699 |
| Pretax return on assets | 1.2426% | 2,502 |
| Return on Equity (ROE) | 13.5128% | 980 |
| Retained earnings to average equity (ytd only) | 7.7706% | 1,656 |
| Net charge-offs to loans | -0.0406% | 5,416 |
| Credit loss provision to net charge-offs | -391.3043% | 4,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2786% | 3,774 |
| Assets per employee ($millions) | 4.5594% | 2,956 |
| Cash dividends to net income (ytd only)* | 42.4945% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9399% | 5,296 |
| Loan loss allowance to noncurrent loans | 209.4266% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.3611% | 4,564 |
| Noncurrent loans to loans | 0.4488% | 4,241 |
| Net loans and leases to total assets | 72.1985% | 1,774 |
| Net loans and leases to deposits | 87.2368% | 1,703 |
| Net loans and leases to core deposits | 97.3387% | 1,531 |
| Total domestic deposits to total assets | 82.7615% | 4,250 |
| Equity capital to assets | 8.6161% | 5,646 |
| Core capital (leverage) ratio | 8.4066% | 5,621 |
| Tier 1 risk-based capital ratio | 10.6490% | 5,962 |
| Total risk-based capital ratio | 11.5475% | 6,028 |
| Memoranda: | ||
| Average total assets | $306,775,000 | 2,154 |
| Average earning assets | $294,915,000 | 2,085 |
| Average equity | $26,819,000 | 2,602 |
| Average total loans | $226,554,500 | 1,900 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6474% | 4,942 |
| Cost of funding earning assets | 0.4128% | 3,570 |
| Net interest margin | 3.2347% | 4,815 |
| Noninterest income to average assets | 1.1974% | 838 |
| Noninterest expense to average assets | 2.9689% | 2,935 |
| Loan and lease loss provision to assets | 0.2217% | 1,108 |
| Net operating income to assets | 1.0519% | 2,153 |
| Return on assets (ROA) | 1.0502% | 2,234 |
| Pretax return on assets | 1.1052% | 3,063 |
| Return on Equity (ROE) | 11.4071% | 1,591 |
| Retained earnings to average equity (ytd only) | 5.4723% | 2,279 |
| Net charge-offs to loans | 0.1069% | 2,981 |
| Credit loss provision to net charge-offs | 300.4808% | 863 |
| Earnings coverage of net charge-offs (x) | 18.0048% | 1,870 |
| Efficiency ratio | 68.9342% | 3,724 |
| Assets per employee ($millions) | 4.2106% | 3,521 |
| Cash dividends to net income (ytd only)* | 52.0270% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9123% | 5,435 |
| Loan loss allowance to noncurrent loans | 175.4296% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.4144% | 4,441 |
| Noncurrent loans to loans | 0.5201% | 4,111 |
| Net loans and leases to total assets | 74.1848% | 1,556 |
| Net loans and leases to deposits | 92.7526% | 1,210 |
| Net loans and leases to core deposits | 101.8812% | 1,253 |
| Total domestic deposits to total assets | 79.9814% | 5,021 |
| Equity capital to assets | 8.8750% | 5,405 |
| Core capital (leverage) ratio | 8.5928% | 5,454 |
| Tier 1 risk-based capital ratio | 10.6788% | 6,031 |
| Total risk-based capital ratio | 11.5579% | 6,119 |
| Memoranda: | ||
| Average total assets | $281,850,600 | 2,260 |
| Average earning assets | $270,135,000 | 2,196 |
| Average equity | $25,948,800 | 2,577 |
| Average total loans | $194,564,800 | 2,077 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6366% | 5,046 |
| Cost of funding earning assets | 0.4165% | 3,621 |
| Net interest margin | 3.2202% | 4,893 |
| Noninterest income to average assets | 1.1725% | 867 |
| Noninterest expense to average assets | 2.8412% | 3,314 |
| Loan and lease loss provision to assets | 0.1561% | 1,593 |
| Net operating income to assets | 1.1921% | 1,699 |
| Return on assets (ROA) | 1.1898% | 1,781 |
| Pretax return on assets | 1.2518% | 2,566 |
| Return on Equity (ROE) | 12.7992% | 1,270 |
| Retained earnings to average equity (ytd only) | 6.8311% | 1,908 |
| Net charge-offs to loans | 0.1260% | 2,533 |
| Credit loss provision to net charge-offs | 183.6158% | 1,362 |
| Earnings coverage of net charge-offs (x) | 16.5879% | 1,961 |
| Efficiency ratio | 66.7382% | 4,090 |
| Assets per employee ($millions) | 4.2164% | 3,448 |
| Cash dividends to net income (ytd only)* | 46.6290% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8899% | 5,633 |
| Loan loss allowance to noncurrent loans | 128.8517% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 0.5061% | 4,361 |
| Noncurrent loans to loans | 0.6906% | 3,885 |
| Net loans and leases to total assets | 68.8698% | 2,394 |
| Net loans and leases to deposits | 83.4254% | 2,234 |
| Net loans and leases to core deposits | 90.3394% | 2,191 |
| Total domestic deposits to total assets | 82.5525% | 4,282 |
| Equity capital to assets | 9.2687% | 5,063 |
| Core capital (leverage) ratio | 9.0574% | 4,986 |
| Tier 1 risk-based capital ratio | 12.3080% | 5,293 |
| Total risk-based capital ratio | 13.1767% | 5,455 |
| Memoranda: | ||
| Average total assets | $277,575,250 | 2,309 |
| Average earning assets | $265,404,750 | 2,245 |
| Average equity | $25,803,000 | 2,597 |
| Average total loans | $187,251,250 | 2,154 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6341% | 5,056 |
| Cost of funding earning assets | 0.4262% | 3,588 |
| Net interest margin | 3.2079% | 4,918 |
| Noninterest income to average assets | 1.1401% | 906 |
| Noninterest expense to average assets | 2.8187% | 3,433 |
| Loan and lease loss provision to assets | 0.1093% | 2,193 |
| Net operating income to assets | 1.2035% | 1,577 |
| Return on assets (ROA) | 1.2035% | 1,645 |
| Pretax return on assets | 1.2662% | 2,387 |
| Return on Equity (ROE) | 12.9337% | 1,193 |
| Retained earnings to average equity (ytd only) | 6.9053% | 1,811 |
| Net charge-offs to loans | 0.0862% | 2,829 |
| Credit loss provision to net charge-offs | 189.8734% | 1,220 |
| Earnings coverage of net charge-offs (x) | 23.8987% | 1,452 |
| Efficiency ratio | 67.1183% | 4,176 |
| Assets per employee ($millions) | 4.1629% | 3,522 |
| Cash dividends to net income (ytd only)* | 46.6102% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8848% | 5,764 |
| Loan loss allowance to noncurrent loans | 133.7539% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.4888% | 4,545 |
| Noncurrent loans to loans | 0.6615% | 4,053 |
| Net loans and leases to total assets | 69.1495% | 2,211 |
| Net loans and leases to deposits | 83.7415% | 2,055 |
| Net loans and leases to core deposits | 92.5963% | 1,894 |
| Total domestic deposits to total assets | 82.5750% | 4,456 |
| Equity capital to assets | 9.5183% | 4,727 |
| Core capital (leverage) ratio | 8.9819% | 5,046 |
| Tier 1 risk-based capital ratio | 12.2106% | 5,410 |
| Total risk-based capital ratio | 13.0497% | 5,575 |
| Memoranda: | ||
| Average total assets | $274,527,670 | 2,338 |
| Average earning assets | $261,355,670 | 2,275 |
| Average equity | $25,545,670 | 2,613 |
| Average total loans | $183,256,670 | 2,194 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5870% | 5,209 |
| Cost of funding earning assets | 0.4333% | 3,612 |
| Net interest margin | 3.1538% | 5,076 |
| Noninterest income to average assets | 1.0218% | 1,080 |
| Noninterest expense to average assets | 2.8031% | 3,553 |
| Loan and lease loss provision to assets | 0.0729% | 2,678 |
| Net operating income to assets | 1.0932% | 1,842 |
| Return on assets (ROA) | 1.0932% | 1,905 |
| Pretax return on assets | 1.1486% | 2,702 |
| Return on Equity (ROE) | 11.8847% | 1,442 |
| Retained earnings to average equity (ytd only) | 5.7839% | 2,653 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5400% | 3,905 |
| Assets per employee ($millions) | 4.2827% | 3,376 |
| Cash dividends to net income (ytd only)* | 51.3333% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9330% | 5,764 |
| Loan loss allowance to noncurrent loans | 155.9590% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.4269% | 4,859 |
| Noncurrent loans to loans | 0.5982% | 4,364 |
| Net loans and leases to total assets | 64.8868% | 2,746 |
| Net loans and leases to deposits | 78.2800% | 2,510 |
| Net loans and leases to core deposits | 85.9477% | 2,326 |
| Total domestic deposits to total assets | 82.8907% | 4,644 |
| Equity capital to assets | 9.2889% | 4,770 |
| Core capital (leverage) ratio | 8.8985% | 5,143 |
| Tier 1 risk-based capital ratio | 12.5049% | 5,312 |
| Total risk-based capital ratio | 13.3718% | 5,492 |
| Memoranda: | ||
| Average total assets | $274,414,500 | 2,345 |
| Average earning assets | $261,276,000 | 2,276 |
| Average equity | $25,242,500 | 2,625 |
| Average total loans | $179,041,500 | 2,241 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5604% | 5,507 |
| Cost of funding earning assets | 0.5130% | 3,472 |
| Net interest margin | 3.0474% | 5,455 |
| Noninterest income to average assets | 1.3447% | 768 |
| Noninterest expense to average assets | 2.9185% | 3,317 |
| Loan and lease loss provision to assets | 0.0697% | 3,731 |
| Net operating income to assets | 1.2045% | 1,548 |
| Return on assets (ROA) | 1.2042% | 1,624 |
| Pretax return on assets | 1.2682% | 2,278 |
| Return on Equity (ROE) | 12.9573% | 1,177 |
| Retained earnings to average equity (ytd only) | 6.6733% | 1,588 |
| Net charge-offs to loans | 0.0097% | 5,257 |
| Credit loss provision to net charge-offs | 1,156.2500% | 220 |
| Earnings coverage of net charge-offs (x) | 222.0000% | 204 |
| Efficiency ratio | 68.4900% | 4,099 |
| Assets per employee ($millions) | 4.2928% | 3,284 |
| Cash dividends to net income (ytd only)* | 48.4981% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9101% | 5,891 |
| Loan loss allowance to noncurrent loans | 177.2083% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.3684% | 5,147 |
| Noncurrent loans to loans | 0.5136% | 4,707 |
| Net loans and leases to total assets | 64.4010% | 2,975 |
| Net loans and leases to deposits | 78.8097% | 2,615 |
| Net loans and leases to core deposits | 85.3805% | 2,525 |
| Total domestic deposits to total assets | 81.7171% | 4,963 |
| Equity capital to assets | 9.1087% | 4,913 |
| Core capital (leverage) ratio | 8.7833% | 5,306 |
| Tier 1 risk-based capital ratio | 12.4461% | 5,319 |
| Total risk-based capital ratio | 13.2960% | 5,526 |
| Memoranda: | ||
| Average total assets | $265,408,000 | 2,388 |
| Average earning assets | $253,626,400 | 2,299 |
| Average equity | $24,665,600 | 2,659 |
| Average total loans | $164,770,000 | 2,358 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5527% | 5,571 |
| Cost of funding earning assets | 0.5309% | 3,456 |
| Net interest margin | 3.0217% | 5,539 |
| Noninterest income to average assets | 1.3608% | 785 |
| Noninterest expense to average assets | 2.8397% | 3,527 |
| Loan and lease loss provision to assets | 0.0507% | 4,004 |
| Net operating income to assets | 1.2924% | 1,374 |
| Return on assets (ROA) | 1.2924% | 1,440 |
| Pretax return on assets | 1.3608% | 2,071 |
| Return on Equity (ROE) | 13.8345% | 1,029 |
| Retained earnings to average equity (ytd only) | 8.5448% | 1,214 |
| Net charge-offs to loans | -0.0281% | 6,150 |
| Credit loss provision to net charge-offs | -294.1176% | 5,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7263% | 4,352 |
| Assets per employee ($millions) | 3.9674% | 3,901 |
| Cash dividends to net income (ytd only)* | 38.2353% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9541% | 5,905 |
| Loan loss allowance to noncurrent loans | 188.6121% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.4991% | 4,946 |
| Noncurrent loans to loans | 0.5058% | 4,934 |
| Net loans and leases to total assets | 63.0380% | 3,159 |
| Net loans and leases to deposits | 78.0362% | 2,663 |
| Net loans and leases to core deposits | 85.1266% | 2,526 |
| Total domestic deposits to total assets | 80.7804% | 5,277 |
| Equity capital to assets | 9.5353% | 4,508 |
| Core capital (leverage) ratio | 9.0149% | 5,105 |
| Tier 1 risk-based capital ratio | 12.9916% | 5,132 |
| Total risk-based capital ratio | 13.8623% | 5,328 |
| Memoranda: | ||
| Average total assets | $263,075,500 | 2,428 |
| Average earning assets | $251,636,750 | 2,326 |
| Average equity | $24,575,750 | 2,701 |
| Average total loans | $161,322,750 | 2,416 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5173% | 5,659 |
| Cost of funding earning assets | 0.5387% | 3,513 |
| Net interest margin | 2.9785% | 5,617 |
| Noninterest income to average assets | 1.3109% | 904 |
| Noninterest expense to average assets | 2.8017% | 3,669 |
| Loan and lease loss provision to assets | 0.0380% | 4,189 |
| Net operating income to assets | 1.2623% | 1,423 |
| Return on assets (ROA) | 1.2623% | 1,521 |
| Pretax return on assets | 1.3291% | 2,196 |
| Return on Equity (ROE) | 13.6061% | 1,101 |
| Retained earnings to average equity (ytd only) | 8.6971% | 1,225 |
| Net charge-offs to loans | -0.0577% | 6,316 |
| Credit loss provision to net charge-offs | -108.6957% | 5,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1340% | 4,334 |
| Assets per employee ($millions) | 4.2746% | 3,217 |
| Cash dividends to net income (ytd only)* | 36.0794% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9661% | 5,942 |
| Loan loss allowance to noncurrent loans | 165.8120% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.5037% | 5,007 |
| Noncurrent loans to loans | 0.5827% | 4,802 |
| Net loans and leases to total assets | 60.0272% | 3,651 |
| Net loans and leases to deposits | 74.1595% | 3,130 |
| Net loans and leases to core deposits | 79.0522% | 3,160 |
| Total domestic deposits to total assets | 80.9433% | 5,354 |
| Equity capital to assets | 9.1572% | 5,036 |
| Core capital (leverage) ratio | 8.7120% | 5,403 |
| Tier 1 risk-based capital ratio | 13.1163% | 5,057 |
| Total risk-based capital ratio | 13.9932% | 5,266 |
| Memoranda: | ||
| Average total assets | $263,485,000 | 2,425 |
| Average earning assets | $252,808,670 | 2,323 |
| Average equity | $24,445,000 | 2,724 |
| Average total loans | $159,546,000 | 2,447 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4708% | 5,780 |
| Cost of funding earning assets | 0.5443% | 3,632 |
| Net interest margin | 2.9265% | 5,760 |
| Noninterest income to average assets | 1.2592% | 966 |
| Noninterest expense to average assets | 2.7345% | 3,934 |
| Loan and lease loss provision to assets | 0.0381% | 3,953 |
| Net operating income to assets | 1.2439% | 1,409 |
| Return on assets (ROA) | 1.2439% | 1,514 |
| Pretax return on assets | 1.3109% | 2,196 |
| Return on Equity (ROE) | 13.3208% | 1,095 |
| Retained earnings to average equity (ytd only) | 9.6523% | 1,198 |
| Net charge-offs to loans | -0.1157% | 6,507 |
| Credit loss provision to net charge-offs | -54.3478% | 5,067 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8904% | 4,509 |
| Assets per employee ($millions) | 4.2586% | 3,412 |
| Cash dividends to net income (ytd only)* | 27.5398% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9955% | 5,996 |
| Loan loss allowance to noncurrent loans | 142.4440% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.5571% | 4,996 |
| Noncurrent loans to loans | 0.6989% | 4,728 |
| Net loans and leases to total assets | 57.5164% | 3,843 |
| Net loans and leases to deposits | 70.5372% | 3,387 |
| Net loans and leases to core deposits | 75.2566% | 3,426 |
| Total domestic deposits to total assets | 81.5404% | 5,346 |
| Equity capital to assets | 9.3830% | 5,019 |
| Core capital (leverage) ratio | 8.7541% | 5,251 |
| Tier 1 risk-based capital ratio | 13.3453% | 4,978 |
| Total risk-based capital ratio | 14.2413% | 5,172 |
| Memoranda: | ||
| Average total assets | $262,715,000 | 2,464 |
| Average earning assets | $253,542,000 | 2,345 |
| Average equity | $24,533,000 | 2,754 |
| Average total loans | $158,999,500 | 2,461 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8082% | 5,802 |
| Cost of funding earning assets | 0.6202% | 4,172 |
| Net interest margin | 3.1880% | 5,598 |
| Noninterest income to average assets | 1.3395% | 862 |
| Noninterest expense to average assets | 2.9644% | 3,405 |
| Loan and lease loss provision to assets | 0.1196% | 4,126 |
| Net operating income to assets | 1.2605% | 1,420 |
| Return on assets (ROA) | 1.3075% | 1,420 |
| Pretax return on assets | 1.3748% | 2,123 |
| Return on Equity (ROE) | 13.7970% | 1,033 |
| Retained earnings to average equity (ytd only) | 9.9467% | 605 |
| Net charge-offs to loans | 0.1638% | 4,066 |
| Credit loss provision to net charge-offs | 119.9187% | 2,391 |
| Earnings coverage of net charge-offs (x) | 14.4878% | 1,730 |
| Efficiency ratio | 67.0375% | 4,323 |
| Assets per employee ($millions) | 4.2852% | 3,386 |
| Cash dividends to net income (ytd only)* | 27.9070% | 3,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8845% | 6,297 |
| Loan loss allowance to noncurrent loans | 146.6264% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.5325% | 5,148 |
| Noncurrent loans to loans | 0.6032% | 5,010 |
| Net loans and leases to total assets | 62.4161% | 3,188 |
| Net loans and leases to deposits | 76.1002% | 2,789 |
| Net loans and leases to core deposits | 81.7013% | 2,800 |
| Total domestic deposits to total assets | 82.0183% | 5,085 |
| Equity capital to assets | 9.2931% | 5,162 |
| Core capital (leverage) ratio | 8.8297% | 5,131 |
| Tier 1 risk-based capital ratio | 12.9676% | 5,131 |
| Total risk-based capital ratio | 13.8200% | 5,380 |
| Memoranda: | ||
| Average total assets | $246,656,600 | 2,560 |
| Average earning assets | $237,513,200 | 2,438 |
| Average equity | $23,374,600 | 2,813 |
| Average total loans | $150,154,400 | 2,570 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8399% | 5,926 |
| Cost of funding earning assets | 0.6508% | 4,193 |
| Net interest margin | 3.1891% | 5,722 |
| Noninterest income to average assets | 1.3214% | 844 |
| Noninterest expense to average assets | 2.9210% | 3,516 |
| Loan and lease loss provision to assets | 0.0549% | 5,057 |
| Net operating income to assets | 1.3478% | 1,335 |
| Return on assets (ROA) | 1.4114% | 1,316 |
| Pretax return on assets | 1.4833% | 1,940 |
| Return on Equity (ROE) | 14.8162% | 935 |
| Retained earnings to average equity (ytd only) | 10.9278% | 699 |
| Net charge-offs to loans | 0.0373% | 5,125 |
| Credit loss provision to net charge-offs | 243.9024% | 1,133 |
| Earnings coverage of net charge-offs (x) | 65.3847% | 613 |
| Efficiency ratio | 66.3043% | 4,392 |
| Assets per employee ($millions) | 4.0504% | 3,774 |
| Cash dividends to net income (ytd only)* | 26.2442% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9459% | 6,259 |
| Loan loss allowance to noncurrent loans | 101.6644% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 0.7451% | 4,829 |
| Noncurrent loans to loans | 0.9304% | 4,570 |
| Net loans and leases to total assets | 62.1369% | 3,355 |
| Net loans and leases to deposits | 76.6695% | 2,885 |
| Net loans and leases to core deposits | 83.9908% | 2,700 |
| Total domestic deposits to total assets | 81.0452% | 5,339 |
| Equity capital to assets | 9.7455% | 4,860 |
| Core capital (leverage) ratio | 8.8096% | 5,332 |
| Tier 1 risk-based capital ratio | 12.7355% | 5,454 |
| Total risk-based capital ratio | 13.5950% | 5,710 |
| Memoranda: | ||
| Average total assets | $242,971,000 | 2,623 |
| Average earning assets | $233,957,000 | 2,489 |
| Average equity | $23,145,250 | 2,860 |
| Average total loans | $146,540,250 | 2,653 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8320% | 6,065 |
| Cost of funding earning assets | 0.6655% | 4,314 |
| Net interest margin | 3.1665% | 5,830 |
| Noninterest income to average assets | 1.2823% | 864 |
| Noninterest expense to average assets | 2.8824% | 3,691 |
| Loan and lease loss provision to assets | 0.0621% | 4,869 |
| Net operating income to assets | 1.3213% | 1,388 |
| Return on assets (ROA) | 1.4172% | 1,292 |
| Pretax return on assets | 1.4876% | 1,885 |
| Return on Equity (ROE) | 14.9952% | 941 |
| Retained earnings to average equity (ytd only) | 11.0537% | 738 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3417% | 4,476 |
| Assets per employee ($millions) | 4.0540% | 3,760 |
| Cash dividends to net income (ytd only)* | 26.2850% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9985% | 6,169 |
| Loan loss allowance to noncurrent loans | 115.6006% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.6911% | 5,052 |
| Noncurrent loans to loans | 0.8638% | 4,777 |
| Net loans and leases to total assets | 60.4100% | 3,752 |
| Net loans and leases to deposits | 72.8800% | 3,473 |
| Net loans and leases to core deposits | 80.3741% | 3,166 |
| Total domestic deposits to total assets | 82.8896% | 4,795 |
| Equity capital to assets | 9.6478% | 4,839 |
| Core capital (leverage) ratio | 8.5800% | 5,545 |
| Tier 1 risk-based capital ratio | 13.1356% | 5,088 |
| Total risk-based capital ratio | 14.0587% | 5,304 |
| Memoranda: | ||
| Average total assets | $241,602,330 | 2,642 |
| Average earning assets | $232,622,670 | 2,498 |
| Average equity | $22,834,000 | 2,874 |
| Average total loans | $143,723,000 | 2,710 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8330% | 6,176 |
| Cost of funding earning assets | 0.6872% | 4,391 |
| Net interest margin | 3.1458% | 5,914 |
| Noninterest income to average assets | 1.2094% | 981 |
| Noninterest expense to average assets | 2.8075% | 4,000 |
| Loan and lease loss provision to assets | 0.0831% | 4,346 |
| Net operating income to assets | 1.2860% | 1,487 |
| Return on assets (ROA) | 1.4785% | 1,187 |
| Pretax return on assets | 1.5483% | 1,748 |
| Return on Equity (ROE) | 15.8099% | 832 |
| Retained earnings to average equity (ytd only) | 11.8130% | 852 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0784% | 4,543 |
| Assets per employee ($millions) | 4.0924% | 3,818 |
| Cash dividends to net income (ytd only)* | 25.2809% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0088% | 6,209 |
| Loan loss allowance to noncurrent loans | 117.9757% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.7314% | 5,084 |
| Noncurrent loans to loans | 0.8551% | 4,959 |
| Net loans and leases to total assets | 58.2283% | 3,997 |
| Net loans and leases to deposits | 69.7235% | 3,762 |
| Net loans and leases to core deposits | 77.1412% | 3,449 |
| Total domestic deposits to total assets | 83.5132% | 4,708 |
| Equity capital to assets | 9.3059% | 5,086 |
| Core capital (leverage) ratio | 8.5443% | 5,517 |
| Tier 1 risk-based capital ratio | 12.4165% | 5,673 |
| Total risk-based capital ratio | 13.2993% | 5,910 |
| Memoranda: | ||
| Average total assets | $240,784,500 | 2,659 |
| Average earning assets | $231,672,000 | 2,524 |
| Average equity | $22,517,500 | 2,909 |
| Average total loans | $141,373,500 | 2,766 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1676% | 6,148 |
| Cost of funding earning assets | 0.8868% | 4,211 |
| Net interest margin | 3.2807% | 5,872 |
| Noninterest income to average assets | 1.0800% | 1,143 |
| Noninterest expense to average assets | 2.9740% | 3,689 |
| Loan and lease loss provision to assets | 0.1932% | 4,251 |
| Net operating income to assets | 1.0113% | 2,159 |
| Return on assets (ROA) | 1.0517% | 2,138 |
| Pretax return on assets | 1.1092% | 2,802 |
| Return on Equity (ROE) | 11.6301% | 1,520 |
| Retained earnings to average equity (ytd only) | 7.8325% | 1,140 |
| Net charge-offs to loans | 0.2741% | 4,055 |
| Credit loss provision to net charge-offs | 120.0000% | 2,656 |
| Earnings coverage of net charge-offs (x) | 7.8267% | 2,250 |
| Efficiency ratio | 69.8063% | 4,004 |
| Assets per employee ($millions) | 3.9338% | 3,997 |
| Cash dividends to net income (ytd only)* | 32.6531% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0172% | 6,133 |
| Loan loss allowance to noncurrent loans | 99.0845% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.7838% | 5,069 |
| Noncurrent loans to loans | 1.0266% | 4,656 |
| Net loans and leases to total assets | 58.0052% | 4,368 |
| Net loans and leases to deposits | 69.5957% | 4,174 |
| Net loans and leases to core deposits | 78.0659% | 3,681 |
| Total domestic deposits to total assets | 83.3460% | 4,607 |
| Equity capital to assets | 9.3993% | 5,020 |
| Core capital (leverage) ratio | 8.3568% | 5,770 |
| Tier 1 risk-based capital ratio | 13.1786% | 4,932 |
| Total risk-based capital ratio | 14.1139% | 5,161 |
| Memoranda: | ||
| Average total assets | $232,952,200 | 2,697 |
| Average earning assets | $223,943,000 | 2,567 |
| Average equity | $21,066,000 | 3,001 |
| Average total loans | $136,823,600 | 2,861 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1928% | 6,223 |
| Cost of funding earning assets | 0.9296% | 4,198 |
| Net interest margin | 3.2632% | 5,975 |
| Noninterest income to average assets | 1.0290% | 1,274 |
| Noninterest expense to average assets | 2.8488% | 4,146 |
| Loan and lease loss provision to assets | 0.0861% | 5,372 |
| Net operating income to assets | 1.1668% | 1,755 |
| Return on assets (ROA) | 1.2208% | 1,704 |
| Pretax return on assets | 1.2875% | 2,331 |
| Return on Equity (ROE) | 13.6369% | 1,128 |
| Retained earnings to average equity (ytd only) | 9.7883% | 907 |
| Net charge-offs to loans | -0.1221% | 7,197 |
| Credit loss provision to net charge-offs | -120.0000% | 6,537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9487% | 4,334 |
| Assets per employee ($millions) | 3.8238% | 4,254 |
| Cash dividends to net income (ytd only)* | 28.2220% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1348% | 5,750 |
| Loan loss allowance to noncurrent loans | 451.4045% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.3841% | 6,117 |
| Noncurrent loans to loans | 0.2514% | 6,369 |
| Net loans and leases to total assets | 60.0217% | 4,121 |
| Net loans and leases to deposits | 71.4607% | 4,073 |
| Net loans and leases to core deposits | 79.0246% | 3,767 |
| Total domestic deposits to total assets | 83.9926% | 4,234 |
| Equity capital to assets | 9.5104% | 5,067 |
| Core capital (leverage) ratio | 8.4273% | 5,812 |
| Tier 1 risk-based capital ratio | 12.3431% | 5,627 |
| Total risk-based capital ratio | 13.3500% | 5,813 |
| Memoranda: | ||
| Average total assets | $232,183,500 | 2,707 |
| Average earning assets | $223,171,750 | 2,589 |
| Average equity | $20,786,250 | 3,039 |
| Average total loans | $136,450,750 | 2,898 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1580% | 6,373 |
| Cost of funding earning assets | 0.9646% | 4,214 |
| Net interest margin | 3.1934% | 6,180 |
| Noninterest income to average assets | 0.9222% | 1,575 |
| Noninterest expense to average assets | 2.8452% | 4,246 |
| Loan and lease loss provision to assets | 0.0863% | 5,232 |
| Net operating income to assets | 1.0039% | 2,216 |
| Return on assets (ROA) | 1.0473% | 2,143 |
| Pretax return on assets | 1.1069% | 2,823 |
| Return on Equity (ROE) | 11.9484% | 1,511 |
| Retained earnings to average equity (ytd only) | 8.0115% | 1,461 |
| Net charge-offs to loans | -0.2078% | 7,292 |
| Credit loss provision to net charge-offs | -71.4286% | 6,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8081% | 3,963 |
| Assets per employee ($millions) | 3.8882% | 4,018 |
| Cash dividends to net income (ytd only)* | 32.9489% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 5,741 |
| Loan loss allowance to noncurrent loans | 285.8182% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.4201% | 6,095 |
| Noncurrent loans to loans | 0.4041% | 6,095 |
| Net loans and leases to total assets | 57.6715% | 4,695 |
| Net loans and leases to deposits | 69.4516% | 4,506 |
| Net loans and leases to core deposits | 77.1661% | 4,166 |
| Total domestic deposits to total assets | 83.0384% | 4,737 |
| Equity capital to assets | 9.1105% | 5,417 |
| Core capital (leverage) ratio | 8.0523% | 6,233 |
| Tier 1 risk-based capital ratio | 13.0426% | 4,885 |
| Total risk-based capital ratio | 14.1223% | 4,996 |
| Memoranda: | ||
| Average total assets | $231,828,330 | 2,735 |
| Average earning assets | $222,894,000 | 2,614 |
| Average equity | $20,320,670 | 3,084 |
| Average total loans | $134,732,000 | 2,947 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1189% | 6,470 |
| Cost of funding earning assets | 1.0230% | 4,044 |
| Net interest margin | 3.0959% | 6,362 |
| Noninterest income to average assets | 0.8516% | 1,847 |
| Noninterest expense to average assets | 2.8438% | 4,285 |
| Loan and lease loss provision to assets | 0.1298% | 4,379 |
| Net operating income to assets | 0.8050% | 3,002 |
| Return on assets (ROA) | 0.8066% | 3,060 |
| Pretax return on assets | 0.8551% | 3,683 |
| Return on Equity (ROE) | 9.3885% | 2,320 |
| Retained earnings to average equity (ytd only) | 5.3591% | 2,966 |
| Net charge-offs to loans | 0.1582% | 3,537 |
| Credit loss provision to net charge-offs | 141.5094% | 1,989 |
| Earnings coverage of net charge-offs (x) | 10.7170% | 1,612 |
| Efficiency ratio | 73.8128% | 3,547 |
| Assets per employee ($millions) | 3.9487% | 3,944 |
| Cash dividends to net income (ytd only)* | 42.9185% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0268% | 6,294 |
| Loan loss allowance to noncurrent loans | 157.0766% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.5787% | 5,814 |
| Noncurrent loans to loans | 0.6537% | 5,723 |
| Net loans and leases to total assets | 55.0839% | 5,148 |
| Net loans and leases to deposits | 62.9237% | 5,397 |
| Net loans and leases to core deposits | 71.4790% | 4,855 |
| Total domestic deposits to total assets | 87.5407% | 2,641 |
| Equity capital to assets | 8.4816% | 5,937 |
| Core capital (leverage) ratio | 7.9959% | 6,265 |
| Tier 1 risk-based capital ratio | 12.8670% | 4,933 |
| Total risk-based capital ratio | 13.8118% | 5,185 |
| Memoranda: | ||
| Average total assets | $231,096,500 | 2,763 |
| Average earning assets | $222,098,000 | 2,636 |
| Average equity | $19,854,000 | 3,137 |
| Average total loans | $134,040,500 | 3,008 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7956% | 5,424 |
| Cost of funding earning assets | 1.3488% | 3,586 |
| Net interest margin | 3.4468% | 5,448 |
| Noninterest income to average assets | 1.0593% | 1,336 |
| Noninterest expense to average assets | 3.0259% | 3,748 |
| Loan and lease loss provision to assets | 0.1881% | 5,350 |
| Net operating income to assets | 1.0677% | 1,816 |
| Return on assets (ROA) | 1.1209% | 1,720 |
| Pretax return on assets | 1.1801% | 2,291 |
| Return on Equity (ROE) | 12.5042% | 1,220 |
| Retained earnings to average equity (ytd only) | 8.3082% | 884 |
| Net charge-offs to loans | 0.5930% | 3,254 |
| Credit loss provision to net charge-offs | 48.5437% | 6,286 |
| Earnings coverage of net charge-offs (x) | 3.3871% | 3,389 |
| Efficiency ratio | 69.3508% | 4,305 |
| Assets per employee ($millions) | 3.6929% | 4,483 |
| Cash dividends to net income (ytd only)* | 33.5570% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9778% | 6,466 |
| Loan loss allowance to noncurrent loans | 148.6607% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.6237% | 5,766 |
| Noncurrent loans to loans | 0.6578% | 5,738 |
| Net loans and leases to total assets | 59.8786% | 4,700 |
| Net loans and leases to deposits | 68.7180% | 5,001 |
| Net loans and leases to core deposits | 75.3064% | 4,814 |
| Total domestic deposits to total assets | 87.1367% | 2,750 |
| Equity capital to assets | 8.7065% | 5,576 |
| Core capital (leverage) ratio | 8.1788% | 5,862 |
| Tier 1 risk-based capital ratio | 12.4168% | 5,094 |
| Total risk-based capital ratio | 13.3269% | 5,387 |
| Memoranda: | ||
| Average total assets | $212,693,800 | 2,952 |
| Average earning assets | $202,332,000 | 2,843 |
| Average equity | $19,065,600 | 3,274 |
| Average total loans | $138,956,800 | 2,968 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8973% | 5,279 |
| Cost of funding earning assets | 1.4282% | 3,401 |
| Net interest margin | 3.4692% | 5,416 |
| Noninterest income to average assets | 1.0225% | 1,406 |
| Noninterest expense to average assets | 2.9860% | 3,800 |
| Loan and lease loss provision to assets | 0.0954% | 6,069 |
| Net operating income to assets | 1.1713% | 1,671 |
| Return on assets (ROA) | 1.2433% | 1,563 |
| Pretax return on assets | 1.3088% | 2,145 |
| Return on Equity (ROE) | 13.7636% | 1,079 |
| Retained earnings to average equity (ytd only) | 9.5373% | 903 |
| Net charge-offs to loans | 0.0220% | 6,365 |
| Credit loss provision to net charge-offs | 652.1739% | 450 |
| Earnings coverage of net charge-offs (x) | 90.7705% | 340 |
| Efficiency ratio | 68.8394% | 4,301 |
| Assets per employee ($millions) | 3.5547% | 4,839 |
| Cash dividends to net income (ytd only)* | 30.7062% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3616% | 4,659 |
| Loan loss allowance to noncurrent loans | 222.7219% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.6244% | 5,884 |
| Noncurrent loans to loans | 0.6113% | 5,984 |
| Net loans and leases to total assets | 62.8752% | 4,353 |
| Net loans and leases to deposits | 72.8181% | 4,721 |
| Net loans and leases to core deposits | 79.8265% | 4,544 |
| Total domestic deposits to total assets | 86.3456% | 2,892 |
| Equity capital to assets | 9.2387% | 5,247 |
| Core capital (leverage) ratio | 8.3997% | 5,700 |
| Tier 1 risk-based capital ratio | 12.4180% | 5,064 |
| Total risk-based capital ratio | 13.6686% | 5,029 |
| Memoranda: | ||
| Average total assets | $209,550,000 | 3,031 |
| Average earning assets | $198,851,000 | 2,941 |
| Average equity | $18,928,750 | 3,332 |
| Average total loans | $139,641,000 | 2,986 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9614% | 5,126 |
| Cost of funding earning assets | 1.4709% | 3,422 |
| Net interest margin | 3.4905% | 5,283 |
| Noninterest income to average assets | 0.9473% | 1,524 |
| Noninterest expense to average assets | 2.9210% | 4,000 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.2637% | 1,395 |
| Return on assets (ROA) | 1.2766% | 1,428 |
| Pretax return on assets | 1.3441% | 1,962 |
| Return on Equity (ROE) | 14.2452% | 986 |
| Retained earnings to average equity (ytd only) | 9.9350% | 860 |
| Net charge-offs to loans | 0.0343% | 5,874 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 57.4167% | 532 |
| Efficiency ratio | 68.3625% | 4,505 |
| Assets per employee ($millions) | 3.7139% | 4,428 |
| Cash dividends to net income (ytd only)* | 30.2572% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2653% | 5,106 |
| Loan loss allowance to noncurrent loans | 235.8311% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.6323% | 5,907 |
| Noncurrent loans to loans | 0.5365% | 6,176 |
| Net loans and leases to total assets | 64.9466% | 4,051 |
| Net loans and leases to deposits | 76.2355% | 4,289 |
| Net loans and leases to core deposits | 85.0763% | 3,982 |
| Total domestic deposits to total assets | 85.1921% | 3,524 |
| Equity capital to assets | 9.2015% | 5,145 |
| Core capital (leverage) ratio | 8.2725% | 5,823 |
| Tier 1 risk-based capital ratio | 12.3748% | 4,970 |
| Total risk-based capital ratio | 13.6018% | 4,972 |
| Memoranda: | ||
| Average total assets | $207,120,330 | 3,077 |
| Average earning assets | $196,073,670 | 3,001 |
| Average equity | $18,560,670 | 3,367 |
| Average total loans | $140,114,670 | 3,011 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9717% | 5,152 |
| Cost of funding earning assets | 1.5047% | 3,525 |
| Net interest margin | 3.4671% | 5,297 |
| Noninterest income to average assets | 0.9018% | 1,617 |
| Noninterest expense to average assets | 2.8506% | 4,275 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2515% | 1,400 |
| Return on assets (ROA) | 1.2773% | 1,414 |
| Pretax return on assets | 1.3469% | 1,917 |
| Return on Equity (ROE) | 14.4479% | 963 |
| Retained earnings to average equity (ytd only) | 10.0698% | 1,126 |
| Net charge-offs to loans | 0.0254% | 5,217 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 75.7778% | 410 |
| Efficiency ratio | 67.9814% | 4,728 |
| Assets per employee ($millions) | 3.7407% | 4,459 |
| Cash dividends to net income (ytd only)* | 30.3030% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 5,222 |
| Loan loss allowance to noncurrent loans | 240.1651% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.6960% | 5,779 |
| Noncurrent loans to loans | 0.5203% | 6,248 |
| Net loans and leases to total assets | 65.8742% | 3,887 |
| Net loans and leases to deposits | 76.3830% | 4,343 |
| Net loans and leases to core deposits | 84.8086% | 4,087 |
| Total domestic deposits to total assets | 86.2420% | 3,011 |
| Equity capital to assets | 8.8105% | 5,533 |
| Core capital (leverage) ratio | 8.2198% | 5,881 |
| Tier 1 risk-based capital ratio | 12.0057% | 5,190 |
| Total risk-based capital ratio | 13.2388% | 5,170 |
| Memoranda: | ||
| Average total assets | $206,692,000 | 3,133 |
| Average earning assets | $194,861,500 | 3,064 |
| Average equity | $18,272,500 | 3,440 |
| Average total loans | $141,769,500 | 3,043 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5358% | 3,948 |
| Cost of funding earning assets | 1.8070% | 3,953 |
| Net interest margin | 3.7289% | 4,007 |
| Noninterest income to average assets | 0.9901% | 1,612 |
| Noninterest expense to average assets | 3.1984% | 3,383 |
| Loan and lease loss provision to assets | 0.2305% | 5,526 |
| Net operating income to assets | 0.9994% | 1,845 |
| Return on assets (ROA) | 1.0301% | 1,787 |
| Pretax return on assets | 1.0849% | 2,295 |
| Return on Equity (ROE) | 11.6576% | 1,250 |
| Retained earnings to average equity (ytd only) | 7.1650% | 913 |
| Net charge-offs to loans | 0.2976% | 4,771 |
| Credit loss provision to net charge-offs | 107.9137% | 5,132 |
| Earnings coverage of net charge-offs (x) | 6.0072% | 2,451 |
| Efficiency ratio | 70.9110% | 4,454 |
| Assets per employee ($millions) | 3.5773% | 4,829 |
| Cash dividends to net income (ytd only)* | 38.5380% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2204% | 5,236 |
| Loan loss allowance to noncurrent loans | 230.0131% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.9514% | 5,205 |
| Noncurrent loans to loans | 0.5306% | 6,193 |
| Net loans and leases to total assets | 69.6625% | 3,331 |
| Net loans and leases to deposits | 81.2095% | 3,762 |
| Net loans and leases to core deposits | 93.2697% | 4,750 |
| Total domestic deposits to total assets | 85.7812% | 3,117 |
| Equity capital to assets | 8.8712% | 5,323 |
| Core capital (leverage) ratio | 8.1464% | 5,919 |
| Tier 1 risk-based capital ratio | 11.3989% | 5,514 |
| Total risk-based capital ratio | 12.6089% | 5,508 |
| Memoranda: | ||
| Average total assets | $195,223,400 | 3,235 |
| Average earning assets | $182,790,600 | 3,186 |
| Average equity | $17,250,600 | 3,623 |
| Average total loans | $140,106,800 | 3,082 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5946% | 3,893 |
| Cost of funding earning assets | 1.8846% | 3,956 |
| Net interest margin | 3.7101% | 4,024 |
| Noninterest income to average assets | 1.0152% | 1,543 |
| Noninterest expense to average assets | 3.2391% | 3,159 |
| Loan and lease loss provision to assets | 0.1727% | 5,636 |
| Net operating income to assets | 1.0212% | 1,983 |
| Return on assets (ROA) | 1.0429% | 1,985 |
| Pretax return on assets | 1.0988% | 2,577 |
| Return on Equity (ROE) | 11.8143% | 1,410 |
| Retained earnings to average equity (ytd only) | 8.0979% | 1,109 |
| Net charge-offs to loans | 0.0278% | 6,492 |
| Credit loss provision to net charge-offs | 862.0690% | 440 |
| Earnings coverage of net charge-offs (x) | 62.3380% | 526 |
| Efficiency ratio | 71.7452% | 4,292 |
| Assets per employee ($millions) | 3.4880% | 4,959 |
| Cash dividends to net income (ytd only)* | 31.4571% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3795% | 4,066 |
| Loan loss allowance to noncurrent loans | 986.2944% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.9973% | 5,078 |
| Noncurrent loans to loans | 0.1399% | 7,130 |
| Net loans and leases to total assets | 71.1156% | 3,243 |
| Net loans and leases to deposits | 83.2872% | 3,778 |
| Net loans and leases to core deposits | 96.1680% | 4,794 |
| Total domestic deposits to total assets | 85.3860% | 3,033 |
| Equity capital to assets | 9.2660% | 5,071 |
| Core capital (leverage) ratio | 8.3621% | 5,727 |
| Tier 1 risk-based capital ratio | 11.3476% | 5,591 |
| Total risk-based capital ratio | 12.5983% | 5,526 |
| Memoranda: | ||
| Average total assets | $193,052,750 | 3,280 |
| Average earning assets | $180,692,500 | 3,227 |
| Average equity | $17,041,000 | 3,696 |
| Average total loans | $139,183,250 | 3,134 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5908% | 4,121 |
| Cost of funding earning assets | 1.9477% | 4,018 |
| Net interest margin | 3.6431% | 4,204 |
| Noninterest income to average assets | 1.1545% | 1,171 |
| Noninterest expense to average assets | 3.2721% | 3,072 |
| Loan and lease loss provision to assets | 0.1560% | 5,509 |
| Net operating income to assets | 1.0776% | 1,847 |
| Return on assets (ROA) | 1.0786% | 1,919 |
| Pretax return on assets | 1.1358% | 2,515 |
| Return on Equity (ROE) | 12.4278% | 1,302 |
| Retained earnings to average equity (ytd only) | 9.7314% | 780 |
| Net charge-offs to loans | 0.0418% | 5,882 |
| Credit loss provision to net charge-offs | 517.2414% | 895 |
| Earnings coverage of net charge-offs (x) | 42.7931% | 775 |
| Efficiency ratio | 71.3016% | 4,537 |
| Assets per employee ($millions) | 3.4099% | 5,042 |
| Cash dividends to net income (ytd only)* | 21.6972% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3462% | 4,003 |
| Loan loss allowance to noncurrent loans | 555.1205% | 596 |
| Noncurrent assets plus other real estate owned to assets | 1.1998% | 4,541 |
| Noncurrent loans to loans | 0.2425% | 6,908 |
| Net loans and leases to total assets | 70.7317% | 3,526 |
| Net loans and leases to deposits | 82.6101% | 4,116 |
| Net loans and leases to core deposits | 95.2873% | 4,978 |
| Total domestic deposits to total assets | 85.6211% | 2,953 |
| Equity capital to assets | 8.9236% | 5,417 |
| Core capital (leverage) ratio | 8.1562% | 6,063 |
| Tier 1 risk-based capital ratio | 10.9355% | 5,947 |
| Total risk-based capital ratio | 12.1851% | 5,890 |
| Memoranda: | ||
| Average total assets | $192,294,670 | 3,320 |
| Average earning assets | $179,904,000 | 3,259 |
| Average equity | $16,688,330 | 3,779 |
| Average total loans | $138,627,330 | 3,169 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6151% | 4,262 |
| Cost of funding earning assets | 2.0443% | 3,903 |
| Net interest margin | 3.5708% | 4,450 |
| Noninterest income to average assets | 1.0821% | 1,278 |
| Noninterest expense to average assets | 3.1902% | 3,034 |
| Loan and lease loss provision to assets | 0.2073% | 4,369 |
| Net operating income to assets | 0.9660% | 2,459 |
| Return on assets (ROA) | 0.9660% | 2,583 |
| Pretax return on assets | 1.0157% | 3,287 |
| Return on Equity (ROE) | 11.2884% | 1,890 |
| Retained earnings to average equity (ytd only) | 8.2604% | 1,722 |
| Net charge-offs to loans | -0.0029% | 7,129 |
| Credit loss provision to net charge-offs | -10,000.0000% | 6,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8647% | 4,216 |
| Assets per employee ($millions) | 3.7016% | 4,336 |
| Cash dividends to net income (ytd only)* | 26.8240% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3131% | 4,004 |
| Loan loss allowance to noncurrent loans | 2,604.2857% | 182 |
| Noncurrent assets plus other real estate owned to assets | 1.1530% | 4,365 |
| Noncurrent loans to loans | 0.0504% | 7,392 |
| Net loans and leases to total assets | 69.8380% | 3,709 |
| Net loans and leases to deposits | 82.3299% | 4,229 |
| Net loans and leases to core deposits | 95.6854% | 5,004 |
| Total domestic deposits to total assets | 84.8270% | 3,289 |
| Equity capital to assets | 8.5833% | 5,939 |
| Core capital (leverage) ratio | 8.0842% | 6,321 |
| Tier 1 risk-based capital ratio | 10.5473% | 6,345 |
| Total risk-based capital ratio | 11.7779% | 6,280 |
| Memoranda: | ||
| Average total assets | $192,965,000 | 3,321 |
| Average earning assets | $180,015,500 | 3,276 |
| Average equity | $16,512,500 | 3,838 |
| Average total loans | $139,487,000 | 3,175 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0607% | 5,245 |
| Cost of funding earning assets | 2.5548% | 3,928 |
| Net interest margin | 3.5059% | 5,277 |
| Noninterest income to average assets | 1.0834% | 1,341 |
| Noninterest expense to average assets | 3.2016% | 3,328 |
| Loan and lease loss provision to assets | 0.4950% | 2,837 |
| Net operating income to assets | 0.6414% | 4,138 |
| Return on assets (ROA) | 0.7372% | 3,565 |
| Pretax return on assets | 0.7733% | 4,167 |
| Return on Equity (ROE) | 8.5625% | 2,807 |
| Retained earnings to average equity (ytd only) | 6.3075% | 1,392 |
| Net charge-offs to loans | 0.3309% | 3,189 |
| Credit loss provision to net charge-offs | 204.0000% | 2,381 |
| Earnings coverage of net charge-offs (x) | 4.8111% | 3,847 |
| Efficiency ratio | 72.8339% | 3,786 |
| Assets per employee ($millions) | 3.4499% | 4,795 |
| Cash dividends to net income (ytd only)* | 26.3350% | 4,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2288% | 4,322 |
| Loan loss allowance to noncurrent loans | 575.9197% | 779 |
| Noncurrent assets plus other real estate owned to assets | 1.3518% | 3,507 |
| Noncurrent loans to loans | 0.2134% | 6,752 |
| Net loans and leases to total assets | 72.9491% | 3,372 |
| Net loans and leases to deposits | 86.8581% | 3,985 |
| Net loans and leases to core deposits | 102.0097% | 4,613 |
| Total domestic deposits to total assets | 83.9865% | 3,326 |
| Equity capital to assets | 8.5304% | 6,033 |
| Core capital (leverage) ratio | 7.8374% | 6,741 |
| Tier 1 risk-based capital ratio | 10.3925% | 6,321 |
| Total risk-based capital ratio | 11.5641% | 6,282 |
| Memoranda: | ||
| Average total assets | $185,439,000 | 3,333 |
| Average earning assets | $173,791,000 | 3,270 |
| Average equity | $15,965,000 | 3,934 |
| Average total loans | $136,011,200 | 3,158 |