Home > Clare Bank > Performance and Condition Ratios
Clare 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 | 3.0585% | 4,511 |
| Cost of funding earning assets | 1.6276% | 1,614 |
| Net interest margin | 1.4309% | 4,514 |
| Noninterest income to average assets | 0.1000% | 4,288 |
| Noninterest expense to average assets | 1.4059% | 4,386 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0876% | 4,262 |
| Return on assets (ROA) | 0.1184% | 4,262 |
| Pretax return on assets | 0.1184% | 4,260 |
| Return on Equity (ROE) | 2.1600% | 4,136 |
| Retained earnings to average equity (ytd only) | -3.4709% | 4,349 |
| Net charge-offs to loans | -0.0279% | 4,251 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 94.1347% | 298 |
| Assets per employee ($millions) | 8.1138% | 1,380 |
| Cash dividends to net income (ytd only)* | 260.4167% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4861% | 4,344 |
| Loan loss allowance to noncurrent loans | 55.4932% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 0.3842% | 1,440 |
| Noncurrent loans to loans | 0.8760% | 869 |
| Net loans and leases to total assets | 43.6500% | 3,913 |
| Net loans and leases to deposits | 50.6267% | 3,933 |
| Net loans and leases to core deposits | 51.4047% | 4,049 |
| Total domestic deposits to total assets | 86.2100% | 1,947 |
| Equity capital to assets | 6.2212% | 4,188 |
| Core capital (leverage) ratio | 11.1731% | 1,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.3580% | 253 |
| Memoranda: | ||
| Average total assets | $324,205,600 | 2,297 |
| Average earning assets | $315,250,000 | 2,222 |
| Average equity | $17,747,800 | 3,035 |
| Average total loans | $139,572,800 | 2,773 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0265% | 4,523 |
| Cost of funding earning assets | 1.5308% | 1,531 |
| Net interest margin | 1.4957% | 4,529 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 1.3999% | 4,399 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1592% | 4,277 |
| Return on assets (ROA) | 0.1946% | 4,251 |
| Pretax return on assets | 0.1946% | 4,265 |
| Return on Equity (ROE) | 3.6800% | 4,022 |
| Retained earnings to average equity (ytd only) | -4.1002% | 4,403 |
| Net charge-offs to loans | -0.0374% | 4,304 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 89.7889% | 382 |
| Assets per employee ($millions) | 7.8109% | 1,445 |
| Cash dividends to net income (ytd only)* | 211.4165% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5060% | 4,344 |
| Loan loss allowance to noncurrent loans | 57.2374% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 0.3870% | 1,488 |
| Noncurrent loans to loans | 0.8840% | 936 |
| Net loans and leases to total assets | 43.5500% | 3,932 |
| Net loans and leases to deposits | 50.5977% | 3,913 |
| Net loans and leases to core deposits | 51.2848% | 3,999 |
| Total domestic deposits to total assets | 86.0800% | 2,162 |
| Equity capital to assets | 4.8269% | 4,284 |
| Core capital (leverage) ratio | 10.9566% | 2,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $324,118,750 | 2,295 |
| Average earning assets | $315,653,000 | 2,226 |
| Average equity | $17,137,000 | 3,074 |
| Average total loans | $138,879,000 | 2,789 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9606% | 4,555 |
| Cost of funding earning assets | 1.3604% | 1,554 |
| Net interest margin | 1.6002% | 4,568 |
| Noninterest income to average assets | 0.1000% | 4,323 |
| Noninterest expense to average assets | 1.3890% | 4,423 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2695% | 4,203 |
| Return on assets (ROA) | 0.3195% | 4,153 |
| Pretax return on assets | 0.3195% | 4,209 |
| Return on Equity (ROE) | 5.8800% | 3,719 |
| Retained earnings to average equity (ytd only) | -5.3416% | 4,432 |
| Net charge-offs to loans | -0.0100% | 3,910 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 83.7500% | 612 |
| Assets per employee ($millions) | 8.1218% | 1,267 |
| Cash dividends to net income (ytd only)* | 190.8397% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4723% | 4,400 |
| Loan loss allowance to noncurrent loans | 51.8053% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 0.3922% | 1,362 |
| Noncurrent loans to loans | 0.9117% | 839 |
| Net loans and leases to total assets | 42.8100% | 3,928 |
| Net loans and leases to deposits | 49.9641% | 3,916 |
| Net loans and leases to core deposits | 50.7330% | 3,996 |
| Total domestic deposits to total assets | 85.6800% | 2,335 |
| Equity capital to assets | 5.5727% | 4,278 |
| Core capital (leverage) ratio | 10.9097% | 1,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.9787% | 260 |
| Memoranda: | ||
| Average total assets | $328,013,333 | 2,286 |
| Average earning assets | $319,464,667 | 2,225 |
| Average equity | $17,822,333 | 3,032 |
| Average total loans | $139,581,667 | 2,777 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8719% | 4,588 |
| Cost of funding earning assets | 1.1949% | 1,464 |
| Net interest margin | 1.6770% | 4,621 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 1.4103% | 4,465 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3228% | 4,218 |
| Return on assets (ROA) | 0.4163% | 4,007 |
| Pretax return on assets | 0.4163% | 4,111 |
| Return on Equity (ROE) | 7.7600% | 3,356 |
| Retained earnings to average equity (ytd only) | -14.8630% | 4,547 |
| Net charge-offs to loans | -0.0057% | 3,682 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 81.3725% | 745 |
| Assets per employee ($millions) | 8.1808% | 1,259 |
| Cash dividends to net income (ytd only)* | 291.5452% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4689% | 4,459 |
| Loan loss allowance to noncurrent loans | 35.6948% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 0.5608% | 922 |
| Noncurrent loans to loans | 1.3138% | 511 |
| Net loans and leases to total assets | 42.4800% | 3,932 |
| Net loans and leases to deposits | 46.9337% | 3,997 |
| Net loans and leases to core deposits | 47.5618% | 4,062 |
| Total domestic deposits to total assets | 90.5200% | 973 |
| Equity capital to assets | 5.6492% | 4,306 |
| Core capital (leverage) ratio | 10.7217% | 2,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $329,585,000 | 2,316 |
| Average earning assets | $321,044,000 | 2,249 |
| Average equity | $17,681,500 | 3,067 |
| Average total loans | $139,502,500 | 2,806 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6524% | 4,435 |
| Cost of funding earning assets | 0.4671% | 1,600 |
| Net interest margin | 2.1852% | 4,486 |
| Noninterest income to average assets | 0.1000% | 4,426 |
| Noninterest expense to average assets | 1.3502% | 4,539 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8813% | 3,042 |
| Return on assets (ROA) | 0.9078% | 2,868 |
| Pretax return on assets | 0.9078% | 3,335 |
| Return on Equity (ROE) | 14.6300% | 1,358 |
| Retained earnings to average equity (ytd only) | 8.5409% | 1,626 |
| Net charge-offs to loans | -0.0365% | 4,261 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.5054% | 2,983 |
| Assets per employee ($millions) | 8.0961% | 1,270 |
| Cash dividends to net income (ytd only)* | 41.6266% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4687% | 4,464 |
| Loan loss allowance to noncurrent loans | 26.9723% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 0.7294% | 653 |
| Noncurrent loans to loans | 1.7376% | 351 |
| Net loans and leases to total assets | 41.7800% | 3,994 |
| Net loans and leases to deposits | 45.2802% | 4,076 |
| Net loans and leases to core deposits | 45.8998% | 4,122 |
| Total domestic deposits to total assets | 92.2700% | 569 |
| Equity capital to assets | 5.0844% | 4,349 |
| Core capital (leverage) ratio | 10.8898% | 1,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $344,026,400 | 2,248 |
| Average earning assets | $336,300,800 | 2,171 |
| Average equity | $21,344,400 | 2,827 |
| Average total loans | $137,077,200 | 2,763 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6237% | 4,370 |
| Cost of funding earning assets | 0.3759% | 1,472 |
| Net interest margin | 2.2478% | 4,439 |
| Noninterest income to average assets | 0.1000% | 4,457 |
| Noninterest expense to average assets | 1.3124% | 4,574 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9847% | 2,528 |
| Return on assets (ROA) | 1.0181% | 2,384 |
| Pretax return on assets | 1.0181% | 2,966 |
| Return on Equity (ROE) | 15.7300% | 1,032 |
| Retained earnings to average equity (ytd only) | 8.0136% | 1,994 |
| Net charge-offs to loans | -0.0498% | 4,310 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.1333% | 3,498 |
| Assets per employee ($millions) | 8.2262% | 1,207 |
| Cash dividends to net income (ytd only)* | 49.0566% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4777% | 4,493 |
| Loan loss allowance to noncurrent loans | 28.9765% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 0.6859% | 758 |
| Noncurrent loans to loans | 1.6486% | 404 |
| Net loans and leases to total assets | 41.4100% | 4,008 |
| Net loans and leases to deposits | 44.0770% | 4,106 |
| Net loans and leases to core deposits | 44.5954% | 4,161 |
| Total domestic deposits to total assets | 93.9500% | 372 |
| Equity capital to assets | 4.4434% | 4,410 |
| Core capital (leverage) ratio | 10.3550% | 2,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $347,048,250 | 2,250 |
| Average earning assets | $339,765,000 | 2,165 |
| Average equity | $22,461,250 | 2,778 |
| Average total loans | $136,513,750 | 2,769 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5693% | 4,304 |
| Cost of funding earning assets | 0.3198% | 1,528 |
| Net interest margin | 2.2495% | 4,383 |
| Noninterest income to average assets | 0.0957% | 4,502 |
| Noninterest expense to average assets | 1.2423% | 4,617 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0571% | 1,947 |
| Return on assets (ROA) | 1.1064% | 1,728 |
| Pretax return on assets | 1.1064% | 2,384 |
| Return on Equity (ROE) | 15.5775% | 781 |
| Retained earnings to average equity (ytd only) | 5.2084% | 2,631 |
| Net charge-offs to loans | -0.0719% | 4,358 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0281% | 3,963 |
| Assets per employee ($millions) | 8.4471% | 1,089 |
| Cash dividends to net income (ytd only)* | 66.5643% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4721% | 4,575 |
| Loan loss allowance to noncurrent loans | 37.7533% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 0.4987% | 1,146 |
| Noncurrent loans to loans | 1.2506% | 630 |
| Net loans and leases to total assets | 39.6849% | 4,086 |
| Net loans and leases to deposits | 41.7268% | 4,202 |
| Net loans and leases to core deposits | 42.1540% | 4,257 |
| Total domestic deposits to total assets | 95.1064% | 135 |
| Equity capital to assets | 4.8194% | 4,509 |
| Core capital (leverage) ratio | 10.0931% | 2,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $353,048,000 | 2,238 |
| Average earning assets | $345,856,667 | 2,158 |
| Average equity | $25,074,667 | 2,680 |
| Average total loans | $136,382,333 | 2,786 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5998% | 4,117 |
| Cost of funding earning assets | 0.3148% | 1,513 |
| Net interest margin | 2.2849% | 4,256 |
| Noninterest income to average assets | 0.0954% | 4,526 |
| Noninterest expense to average assets | 1.2413% | 4,651 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0943% | 1,542 |
| Return on assets (ROA) | 1.1807% | 1,294 |
| Pretax return on assets | 1.1807% | 1,876 |
| Return on Equity (ROE) | 14.3782% | 762 |
| Retained earnings to average equity (ytd only) | -3.3895% | 4,336 |
| Net charge-offs to loans | -0.1535% | 4,552 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1475% | 4,112 |
| Assets per employee ($millions) | 8.4499% | 1,142 |
| Cash dividends to net income (ytd only)* | 123.5741% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4817% | 4,604 |
| Loan loss allowance to noncurrent loans | 44.6185% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 0.4136% | 1,468 |
| Noncurrent loans to loans | 1.0795% | 830 |
| Net loans and leases to total assets | 38.1336% | 4,114 |
| Net loans and leases to deposits | 41.4325% | 4,180 |
| Net loans and leases to core deposits | 41.8209% | 4,247 |
| Total domestic deposits to total assets | 92.0380% | 564 |
| Equity capital to assets | 6.4951% | 4,428 |
| Core capital (leverage) ratio | 9.8564% | 2,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $356,406,500 | 2,227 |
| Average earning assets | $349,417,500 | 2,150 |
| Average equity | $29,266,500 | 2,527 |
| Average total loans | $135,527,000 | 2,794 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6384% | 4,376 |
| Cost of funding earning assets | 0.3212% | 2,186 |
| Net interest margin | 2.3172% | 4,400 |
| Noninterest income to average assets | 0.1125% | 4,555 |
| Noninterest expense to average assets | 1.2979% | 4,678 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0823% | 2,358 |
| Return on assets (ROA) | 1.1399% | 2,196 |
| Pretax return on assets | 1.1399% | 2,855 |
| Return on Equity (ROE) | 10.6106% | 2,306 |
| Retained earnings to average equity (ytd only) | 4.2866% | 3,094 |
| Net charge-offs to loans | 0.0236% | 1,773 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 111.0303% | 828 |
| Efficiency ratio | 54.5297% | 3,868 |
| Assets per employee ($millions) | 9.1773% | 867 |
| Cash dividends to net income (ytd only)* | 59.6009% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4465% | 4,664 |
| Loan loss allowance to noncurrent loans | 31.1467% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 0.5409% | 1,221 |
| Noncurrent loans to loans | 1.4334% | 645 |
| Net loans and leases to total assets | 37.5678% | 4,216 |
| Net loans and leases to deposits | 42.3949% | 4,258 |
| Net loans and leases to core deposits | 42.8067% | 4,308 |
| Total domestic deposits to total assets | 88.6138% | 1,730 |
| Equity capital to assets | 9.9135% | 2,739 |
| Core capital (leverage) ratio | 10.4349% | 1,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $338,535,800 | 2,254 |
| Average earning assets | $331,304,000 | 2,179 |
| Average equity | $36,369,200 | 2,230 |
| Average total loans | $139,876,800 | 2,726 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6215% | 4,487 |
| Cost of funding earning assets | 0.3299% | 2,301 |
| Net interest margin | 2.2916% | 4,498 |
| Noninterest income to average assets | 0.0975% | 4,678 |
| Noninterest expense to average assets | 1.3026% | 4,754 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0373% | 2,778 |
| Return on assets (ROA) | 1.1132% | 2,555 |
| Pretax return on assets | 1.1132% | 3,170 |
| Return on Equity (ROE) | 10.1516% | 2,683 |
| Retained earnings to average equity (ytd only) | 1.7709% | 4,253 |
| Net charge-offs to loans | 0.0378% | 1,330 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 64.9000% | 1,098 |
| Efficiency ratio | 55.6694% | 3,567 |
| Assets per employee ($millions) | 8.7686% | 969 |
| Cash dividends to net income (ytd only)* | 82.5556% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4346% | 4,753 |
| Loan loss allowance to noncurrent loans | 21.3697% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 0.8156% | 870 |
| Noncurrent loans to loans | 2.0337% | 426 |
| Net loans and leases to total assets | 39.9269% | 4,212 |
| Net loans and leases to deposits | 45.3397% | 4,261 |
| Net loans and leases to core deposits | 45.8051% | 4,331 |
| Total domestic deposits to total assets | 88.0617% | 1,807 |
| Equity capital to assets | 10.3873% | 2,539 |
| Core capital (leverage) ratio | 10.0762% | 2,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $333,690,750 | 2,293 |
| Average earning assets | $326,522,750 | 2,222 |
| Average equity | $36,591,000 | 2,252 |
| Average total loans | $141,080,000 | 2,752 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5903% | 4,553 |
| Cost of funding earning assets | 0.3264% | 2,532 |
| Net interest margin | 2.2639% | 4,549 |
| Noninterest income to average assets | 0.0967% | 4,703 |
| Noninterest expense to average assets | 1.3175% | 4,780 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9924% | 2,913 |
| Return on assets (ROA) | 1.1042% | 2,598 |
| Pretax return on assets | 1.1042% | 3,203 |
| Return on Equity (ROE) | 9.8898% | 2,785 |
| Retained earnings to average equity (ytd only) | 2.8527% | 3,887 |
| Net charge-offs to loans | 0.0084% | 1,826 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 273.6667% | 397 |
| Efficiency ratio | 57.0382% | 3,403 |
| Assets per employee ($millions) | 8.3568% | 1,056 |
| Cash dividends to net income (ytd only)* | 71.1549% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4495% | 4,774 |
| Loan loss allowance to noncurrent loans | 19.0447% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 0.9655% | 792 |
| Noncurrent loans to loans | 2.3602% | 369 |
| Net loans and leases to total assets | 40.7222% | 4,258 |
| Net loans and leases to deposits | 46.5135% | 4,291 |
| Net loans and leases to core deposits | 46.9116% | 4,371 |
| Total domestic deposits to total assets | 87.5492% | 2,070 |
| Equity capital to assets | 10.9103% | 2,061 |
| Core capital (leverage) ratio | 10.6533% | 1,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $330,929,333 | 2,300 |
| Average earning assets | $323,509,333 | 2,227 |
| Average equity | $36,947,333 | 2,220 |
| Average total loans | $142,394,667 | 2,756 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5851% | 4,580 |
| Cost of funding earning assets | 0.3401% | 2,615 |
| Net interest margin | 2.2450% | 4,574 |
| Noninterest income to average assets | 0.0960% | 4,703 |
| Noninterest expense to average assets | 1.3031% | 4,819 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9856% | 2,855 |
| Return on assets (ROA) | 1.1677% | 2,340 |
| Pretax return on assets | 1.1677% | 2,931 |
| Return on Equity (ROE) | 10.3349% | 2,584 |
| Retained earnings to average equity (ytd only) | -3.8225% | 4,640 |
| Net charge-offs to loans | 0.0028% | 1,823 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 801.0000% | 116 |
| Efficiency ratio | 56.9355% | 3,432 |
| Assets per employee ($millions) | 7.8691% | 1,250 |
| Cash dividends to net income (ytd only)* | 136.9863% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4420% | 4,808 |
| Loan loss allowance to noncurrent loans | 24.9020% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 0.7716% | 1,179 |
| Noncurrent loans to loans | 1.7749% | 661 |
| Net loans and leases to total assets | 43.2788% | 4,156 |
| Net loans and leases to deposits | 49.1123% | 4,217 |
| Net loans and leases to core deposits | 49.5443% | 4,322 |
| Total domestic deposits to total assets | 88.1223% | 1,778 |
| Equity capital to assets | 10.5851% | 2,183 |
| Core capital (leverage) ratio | 10.6220% | 1,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $325,079,500 | 2,316 |
| Average earning assets | $317,509,500 | 2,238 |
| Average equity | $36,730,000 | 2,216 |
| Average total loans | $143,514,000 | 2,751 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0209% | 4,615 |
| Cost of funding earning assets | 0.5345% | 2,718 |
| Net interest margin | 2.4864% | 4,602 |
| Noninterest income to average assets | 0.0928% | 4,761 |
| Noninterest expense to average assets | 1.4716% | 4,798 |
| Loan and lease loss provision to assets | 0.0085% | 4,251 |
| Net operating income to assets | 1.0391% | 2,145 |
| Return on assets (ROA) | 1.1481% | 1,858 |
| Pretax return on assets | 1.1481% | 2,523 |
| Return on Equity (ROE) | 9.1822% | 2,324 |
| Retained earnings to average equity (ytd only) | 2.9524% | 3,387 |
| Net charge-offs to loans | 0.0033% | 3,258 |
| Credit loss provision to net charge-offs | 500.0000% | 1,248 |
| Earnings coverage of net charge-offs (x) | 618.6000% | 192 |
| Efficiency ratio | 58.4162% | 3,665 |
| Assets per employee ($millions) | 7.9915% | 1,042 |
| Cash dividends to net income (ytd only)* | 67.8466% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4437% | 4,827 |
| Loan loss allowance to noncurrent loans | 23.8649% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 0.8337% | 1,207 |
| Noncurrent loans to loans | 1.8590% | 655 |
| Net loans and leases to total assets | 44.6477% | 4,214 |
| Net loans and leases to deposits | 51.5505% | 4,239 |
| Net loans and leases to core deposits | 52.0809% | 4,336 |
| Total domestic deposits to total assets | 86.6098% | 2,107 |
| Equity capital to assets | 12.0366% | 1,548 |
| Core capital (leverage) ratio | 11.3701% | 1,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $295,264,200 | 2,314 |
| Average earning assets | $288,129,800 | 2,236 |
| Average equity | $36,919,400 | 2,139 |
| Average total loans | $149,497,800 | 2,669 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1255% | 4,651 |
| Cost of funding earning assets | 0.5955% | 2,640 |
| Net interest margin | 2.5300% | 4,635 |
| Noninterest income to average assets | 0.0954% | 4,775 |
| Noninterest expense to average assets | 1.5119% | 4,794 |
| Loan and lease loss provision to assets | 0.0114% | 4,161 |
| Net operating income to assets | 1.0421% | 2,182 |
| Return on assets (ROA) | 1.1739% | 1,856 |
| Pretax return on assets | 1.1739% | 2,477 |
| Return on Equity (ROE) | 9.2925% | 2,287 |
| Retained earnings to average equity (ytd only) | 0.8979% | 4,287 |
| Net charge-offs to loans | 0.0044% | 2,996 |
| Credit loss provision to net charge-offs | 500.0000% | 1,276 |
| Earnings coverage of net charge-offs (x) | 457.0000% | 251 |
| Efficiency ratio | 58.9324% | 3,528 |
| Assets per employee ($millions) | 7.5482% | 1,181 |
| Cash dividends to net income (ytd only)* | 90.3378% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4348% | 4,865 |
| Loan loss allowance to noncurrent loans | 23.4860% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 0.8969% | 1,283 |
| Noncurrent loans to loans | 1.8512% | 700 |
| Net loans and leases to total assets | 48.2398% | 4,203 |
| Net loans and leases to deposits | 56.0605% | 4,253 |
| Net loans and leases to core deposits | 56.8147% | 4,348 |
| Total domestic deposits to total assets | 86.0496% | 2,045 |
| Equity capital to assets | 12.4994% | 1,430 |
| Core capital (leverage) ratio | 11.2073% | 1,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $289,165,750 | 2,332 |
| Average earning assets | $282,316,000 | 2,258 |
| Average equity | $36,530,250 | 2,137 |
| Average total loans | $151,033,250 | 2,658 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2119% | 4,710 |
| Cost of funding earning assets | 0.6524% | 2,681 |
| Net interest margin | 2.5594% | 4,691 |
| Noninterest income to average assets | 0.0941% | 4,800 |
| Noninterest expense to average assets | 1.4973% | 4,850 |
| Loan and lease loss provision to assets | 0.0175% | 4,013 |
| Net operating income to assets | 1.0768% | 2,048 |
| Return on assets (ROA) | 1.2734% | 1,546 |
| Pretax return on assets | 1.2734% | 2,121 |
| Return on Equity (ROE) | 10.0423% | 1,970 |
| Retained earnings to average equity (ytd only) | 2.8455% | 3,448 |
| Net charge-offs to loans | 0.0079% | 2,668 |
| Credit loss provision to net charge-offs | 416.6667% | 1,373 |
| Earnings coverage of net charge-offs (x) | 259.8333% | 360 |
| Efficiency ratio | 57.7736% | 3,723 |
| Assets per employee ($millions) | 7.4474% | 1,204 |
| Cash dividends to net income (ytd only)* | 71.6648% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4177% | 4,898 |
| Loan loss allowance to noncurrent loans | 23.2260% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 0.9178% | 1,337 |
| Noncurrent loans to loans | 1.7984% | 782 |
| Net loans and leases to total assets | 50.8201% | 4,111 |
| Net loans and leases to deposits | 59.2311% | 4,155 |
| Net loans and leases to core deposits | 60.0990% | 4,254 |
| Total domestic deposits to total assets | 85.7996% | 2,095 |
| Equity capital to assets | 12.7186% | 1,272 |
| Core capital (leverage) ratio | 11.8201% | 1,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $284,912,000 | 2,338 |
| Average earning assets | $278,032,000 | 2,265 |
| Average equity | $36,127,333 | 2,150 |
| Average total loans | $152,616,000 | 2,637 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3415% | 4,785 |
| Cost of funding earning assets | 0.7090% | 2,894 |
| Net interest margin | 2.6325% | 4,729 |
| Noninterest income to average assets | 0.1020% | 4,820 |
| Noninterest expense to average assets | 1.5372% | 4,894 |
| Loan and lease loss provision to assets | 0.0359% | 3,322 |
| Net operating income to assets | 1.0947% | 1,861 |
| Return on assets (ROA) | 1.4970% | 866 |
| Pretax return on assets | 1.4970% | 1,315 |
| Return on Equity (ROE) | 11.8251% | 1,150 |
| Retained earnings to average equity (ytd only) | -2.9279% | 4,348 |
| Net charge-offs to loans | 0.0235% | 1,894 |
| Credit loss provision to net charge-offs | 277.7778% | 1,230 |
| Earnings coverage of net charge-offs (x) | 87.4444% | 635 |
| Efficiency ratio | 57.6198% | 4,053 |
| Assets per employee ($millions) | 7.0254% | 1,078 |
| Cash dividends to net income (ytd only)* | 124.7601% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4132% | 4,940 |
| Loan loss allowance to noncurrent loans | 22.1910% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 1.0135% | 1,299 |
| Noncurrent loans to loans | 1.8618% | 792 |
| Net loans and leases to total assets | 54.2095% | 3,970 |
| Net loans and leases to deposits | 62.2054% | 4,088 |
| Net loans and leases to core deposits | 63.3201% | 4,207 |
| Total domestic deposits to total assets | 87.1460% | 1,492 |
| Equity capital to assets | 12.7088% | 1,615 |
| Core capital (leverage) ratio | 12.1207% | 1,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $278,421,000 | 2,332 |
| Average earning assets | $271,375,000 | 2,255 |
| Average equity | $35,247,000 | 2,192 |
| Average total loans | $152,911,500 | 2,613 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4423% | 4,892 |
| Cost of funding earning assets | 0.7420% | 2,958 |
| Net interest margin | 2.7004% | 4,840 |
| Noninterest income to average assets | 0.1098% | 4,906 |
| Noninterest expense to average assets | 1.6037% | 4,950 |
| Loan and lease loss provision to assets | 0.0171% | 3,678 |
| Net operating income to assets | 1.1137% | 2,386 |
| Return on assets (ROA) | 1.2213% | 2,066 |
| Pretax return on assets | 1.2213% | 2,765 |
| Return on Equity (ROE) | 9.8061% | 2,390 |
| Retained earnings to average equity (ytd only) | 2.9549% | 3,554 |
| Net charge-offs to loans | 0.0013% | 3,676 |
| Credit loss provision to net charge-offs | 2,300.0000% | 172 |
| Earnings coverage of net charge-offs (x) | 1,524.0000% | 56 |
| Efficiency ratio | 58.6488% | 3,887 |
| Assets per employee ($millions) | 6.8956% | 1,086 |
| Cash dividends to net income (ytd only)* | 69.8663% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4030% | 4,987 |
| Loan loss allowance to noncurrent loans | 30.1665% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 0.7403% | 1,751 |
| Noncurrent loans to loans | 1.3359% | 1,121 |
| Net loans and leases to total assets | 55.1933% | 3,983 |
| Net loans and leases to deposits | 63.2855% | 4,118 |
| Net loans and leases to core deposits | 64.4379% | 4,260 |
| Total domestic deposits to total assets | 87.2133% | 1,512 |
| Equity capital to assets | 12.6094% | 1,763 |
| Core capital (leverage) ratio | 12.6611% | 1,399 |
| Tier 1 risk-based capital ratio | 28.4024% | 541 |
| Total risk-based capital ratio | 28.9211% | 567 |
| Memoranda: | ||
| Average total assets | $269,556,000 | 2,335 |
| Average earning assets | $262,002,200 | 2,261 |
| Average equity | $33,570,800 | 2,205 |
| Average total loans | $150,815,400 | 2,610 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4581% | 4,981 |
| Cost of funding earning assets | 0.7408% | 3,009 |
| Net interest margin | 2.7173% | 4,928 |
| Noninterest income to average assets | 0.1080% | 4,964 |
| Noninterest expense to average assets | 1.6155% | 4,990 |
| Loan and lease loss provision to assets | 0.0229% | 3,445 |
| Net operating income to assets | 1.1120% | 2,530 |
| Return on assets (ROA) | 1.2761% | 2,010 |
| Pretax return on assets | 1.2761% | 2,738 |
| Return on Equity (ROE) | 10.2797% | 2,317 |
| Retained earnings to average equity (ytd only) | 1.0620% | 4,548 |
| Net charge-offs to loans | 0.0009% | 3,428 |
| Credit loss provision to net charge-offs | 4,600.0000% | 84 |
| Earnings coverage of net charge-offs (x) | 2,286.6617% | 32 |
| Efficiency ratio | 58.7373% | 3,834 |
| Assets per employee ($millions) | 6.6161% | 1,220 |
| Cash dividends to net income (ytd only)* | 89.6687% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4084% | 5,055 |
| Loan loss allowance to noncurrent loans | 41.2158% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 0.5657% | 2,312 |
| Noncurrent loans to loans | 0.9910% | 1,615 |
| Net loans and leases to total assets | 56.8483% | 3,983 |
| Net loans and leases to deposits | 65.4775% | 4,097 |
| Net loans and leases to core deposits | 66.5668% | 4,242 |
| Total domestic deposits to total assets | 86.8211% | 1,609 |
| Equity capital to assets | 12.9941% | 1,633 |
| Core capital (leverage) ratio | 12.1519% | 1,759 |
| Tier 1 risk-based capital ratio | 27.6347% | 600 |
| Total risk-based capital ratio | 28.1513% | 632 |
| Memoranda: | ||
| Average total assets | $267,988,750 | 2,358 |
| Average earning assets | $260,600,000 | 2,284 |
| Average equity | $33,268,500 | 2,239 |
| Average total loans | $150,306,000 | 2,642 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4184% | 5,069 |
| Cost of funding earning assets | 0.6944% | 3,198 |
| Net interest margin | 2.7240% | 4,983 |
| Noninterest income to average assets | 0.1011% | 5,034 |
| Noninterest expense to average assets | 1.5912% | 5,068 |
| Loan and lease loss provision to assets | 0.0342% | 3,140 |
| Net operating income to assets | 1.1260% | 2,422 |
| Return on assets (ROA) | 1.2902% | 1,874 |
| Pretax return on assets | 1.2902% | 2,594 |
| Return on Equity (ROE) | 10.5547% | 2,153 |
| Retained earnings to average equity (ytd only) | 2.6508% | 3,876 |
| Net charge-offs to loans | -0.0093% | 4,307 |
| Credit loss provision to net charge-offs | -657.1429% | 4,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8336% | 4,036 |
| Assets per employee ($millions) | 6.7557% | 1,116 |
| Cash dividends to net income (ytd only)* | 74.8848% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4175% | 5,092 |
| Loan loss allowance to noncurrent loans | 44.4208% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 0.5340% | 2,422 |
| Noncurrent loans to loans | 0.9399% | 1,730 |
| Net loans and leases to total assets | 56.5771% | 4,039 |
| Net loans and leases to deposits | 65.1629% | 4,149 |
| Net loans and leases to core deposits | 65.8462% | 4,324 |
| Total domestic deposits to total assets | 86.8241% | 1,674 |
| Equity capital to assets | 13.0195% | 1,579 |
| Core capital (leverage) ratio | 12.4158% | 1,580 |
| Tier 1 risk-based capital ratio | 27.7226% | 575 |
| Total risk-based capital ratio | 28.2448% | 607 |
| Memoranda: | ||
| Average total assets | $269,104,000 | 2,361 |
| Average earning assets | $261,820,330 | 2,289 |
| Average equity | $32,895,330 | 2,254 |
| Average total loans | $150,054,000 | 2,658 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3638% | 5,141 |
| Cost of funding earning assets | 0.6582% | 3,273 |
| Net interest margin | 2.7055% | 5,060 |
| Noninterest income to average assets | 0.0838% | 5,136 |
| Noninterest expense to average assets | 1.5402% | 5,140 |
| Loan and lease loss provision to assets | 0.0103% | 3,297 |
| Net operating income to assets | 1.1636% | 2,204 |
| Return on assets (ROA) | 1.3048% | 1,718 |
| Pretax return on assets | 1.3048% | 2,437 |
| Return on Equity (ROE) | 11.0215% | 1,938 |
| Retained earnings to average equity (ytd only) | -5.1318% | 4,931 |
| Net charge-offs to loans | -0.0053% | 4,043 |
| Credit loss provision to net charge-offs | -350.0000% | 3,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7480% | 4,247 |
| Assets per employee ($millions) | 6.9841% | 1,006 |
| Cash dividends to net income (ytd only)* | 146.5614% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3853% | 5,186 |
| Loan loss allowance to noncurrent loans | 32.0817% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 0.6649% | 2,106 |
| Noncurrent loans to loans | 1.2010% | 1,375 |
| Net loans and leases to total assets | 55.1482% | 4,125 |
| Net loans and leases to deposits | 62.7591% | 4,255 |
| Net loans and leases to core deposits | 63.6769% | 4,398 |
| Total domestic deposits to total assets | 87.8728% | 1,405 |
| Equity capital to assets | 12.0035% | 2,018 |
| Core capital (leverage) ratio | 12.0225% | 1,758 |
| Tier 1 risk-based capital ratio | 27.4225% | 593 |
| Total risk-based capital ratio | 27.9153% | 635 |
| Memoranda: | ||
| Average total assets | $271,919,000 | 2,365 |
| Average earning assets | $264,347,000 | 2,288 |
| Average equity | $32,191,500 | 2,289 |
| Average total loans | $150,235,500 | 2,685 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2202% | 5,134 |
| Cost of funding earning assets | 0.5300% | 3,182 |
| Net interest margin | 2.6902% | 5,103 |
| Noninterest income to average assets | 0.1217% | 5,069 |
| Noninterest expense to average assets | 1.5782% | 5,178 |
| Loan and lease loss provision to assets | 0.0029% | 4,049 |
| Net operating income to assets | 1.1571% | 2,352 |
| Return on assets (ROA) | 1.1571% | 2,355 |
| Pretax return on assets | 1.1571% | 3,073 |
| Return on Equity (ROE) | 10.1923% | 2,445 |
| Retained earnings to average equity (ytd only) | 2.5595% | 4,119 |
| Net charge-offs to loans | -0.0007% | 4,170 |
| Credit loss provision to net charge-offs | -800.0000% | 4,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6353% | 4,199 |
| Assets per employee ($millions) | 6.9605% | 992 |
| Cash dividends to net income (ytd only)* | 74.8885% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3822% | 5,226 |
| Loan loss allowance to noncurrent loans | 59.8953% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 0.3518% | 3,140 |
| Noncurrent loans to loans | 0.6380% | 2,390 |
| Net loans and leases to total assets | 54.9276% | 4,217 |
| Net loans and leases to deposits | 62.2510% | 4,361 |
| Net loans and leases to core deposits | 63.0070% | 4,493 |
| Total domestic deposits to total assets | 88.2358% | 1,191 |
| Equity capital to assets | 11.6732% | 2,117 |
| Core capital (leverage) ratio | 12.2446% | 1,592 |
| Tier 1 risk-based capital ratio | 27.9040% | 570 |
| Total risk-based capital ratio | 28.3966% | 596 |
| Memoranda: | ||
| Average total assets | $271,193,200 | 2,323 |
| Average earning assets | $263,769,000 | 2,238 |
| Average equity | $30,787,800 | 2,295 |
| Average total loans | $146,670,200 | 2,683 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1899% | 5,201 |
| Cost of funding earning assets | 0.5094% | 3,133 |
| Net interest margin | 2.6804% | 5,179 |
| Noninterest income to average assets | 0.1328% | 5,096 |
| Noninterest expense to average assets | 1.5205% | 5,262 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2230% | 2,146 |
| Return on assets (ROA) | 1.2230% | 2,145 |
| Pretax return on assets | 1.2230% | 2,901 |
| Return on Equity (ROE) | 10.8495% | 2,236 |
| Retained earnings to average equity (ytd only) | 0.5977% | 4,931 |
| Net charge-offs to loans | -0.0055% | 4,240 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4221% | 4,457 |
| Assets per employee ($millions) | 6.7603% | 1,041 |
| Cash dividends to net income (ytd only)* | 94.4914% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3877% | 5,299 |
| Loan loss allowance to noncurrent loans | 107.1563% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 0.2056% | 3,916 |
| Noncurrent loans to loans | 0.3618% | 3,354 |
| Net loans and leases to total assets | 55.4494% | 4,260 |
| Net loans and leases to deposits | 62.7033% | 4,412 |
| Net loans and leases to core deposits | 63.3439% | 4,557 |
| Total domestic deposits to total assets | 88.4314% | 1,076 |
| Equity capital to assets | 11.4662% | 2,287 |
| Core capital (leverage) ratio | 11.5156% | 2,156 |
| Tier 1 risk-based capital ratio | 27.7725% | 586 |
| Total risk-based capital ratio | 28.2721% | 618 |
| Memoranda: | ||
| Average total assets | $271,126,750 | 2,330 |
| Average earning assets | $264,078,750 | 2,244 |
| Average equity | $30,562,750 | 2,312 |
| Average total loans | $145,918,250 | 2,708 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1049% | 5,284 |
| Cost of funding earning assets | 0.4680% | 3,238 |
| Net interest margin | 2.6369% | 5,257 |
| Noninterest income to average assets | 0.1477% | 5,087 |
| Noninterest expense to average assets | 1.5174% | 5,328 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1958% | 2,220 |
| Return on assets (ROA) | 1.1958% | 2,219 |
| Pretax return on assets | 1.1958% | 2,959 |
| Return on Equity (ROE) | 10.6672% | 2,245 |
| Retained earnings to average equity (ytd only) | 1.8648% | 4,497 |
| Net charge-offs to loans | -0.0041% | 4,057 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9267% | 4,484 |
| Assets per employee ($millions) | 7.2534% | 843 |
| Cash dividends to net income (ytd only)* | 82.5183% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3877% | 5,364 |
| Loan loss allowance to noncurrent loans | 63.8106% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 0.3555% | 3,323 |
| Noncurrent loans to loans | 0.6076% | 2,592 |
| Net loans and leases to total assets | 54.1874% | 4,324 |
| Net loans and leases to deposits | 61.2815% | 4,464 |
| Net loans and leases to core deposits | 61.8573% | 4,607 |
| Total domestic deposits to total assets | 88.4237% | 1,173 |
| Equity capital to assets | 11.4634% | 2,227 |
| Core capital (leverage) ratio | 11.7500% | 1,870 |
| Tier 1 risk-based capital ratio | 27.4999% | 584 |
| Total risk-based capital ratio | 27.9883% | 617 |
| Memoranda: | ||
| Average total assets | $273,618,000 | 2,324 |
| Average earning assets | $266,222,000 | 2,240 |
| Average equity | $30,673,330 | 2,309 |
| Average total loans | $145,636,670 | 2,722 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0718% | 5,331 |
| Cost of funding earning assets | 0.4527% | 3,187 |
| Net interest margin | 2.6191% | 5,313 |
| Noninterest income to average assets | 0.1853% | 4,918 |
| Noninterest expense to average assets | 1.4654% | 5,422 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2670% | 1,758 |
| Return on assets (ROA) | 1.2670% | 1,764 |
| Pretax return on assets | 1.2670% | 2,486 |
| Return on Equity (ROE) | 11.4276% | 1,799 |
| Retained earnings to average equity (ytd only) | -6.2036% | 5,258 |
| Net charge-offs to loans | -0.0055% | 4,044 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6301% | 4,831 |
| Assets per employee ($millions) | 7.4963% | 768 |
| Cash dividends to net income (ytd only)* | 154.2857% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3865% | 5,440 |
| Loan loss allowance to noncurrent loans | 56.6132% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 0.3861% | 3,293 |
| Noncurrent loans to loans | 0.6828% | 2,501 |
| Net loans and leases to total assets | 52.4965% | 4,405 |
| Net loans and leases to deposits | 58.9360% | 4,545 |
| Net loans and leases to core deposits | 59.5394% | 4,678 |
| Total domestic deposits to total assets | 89.0739% | 1,062 |
| Equity capital to assets | 10.8216% | 2,752 |
| Core capital (leverage) ratio | 11.2733% | 2,189 |
| Tier 1 risk-based capital ratio | 26.2874% | 661 |
| Total risk-based capital ratio | 26.7660% | 708 |
| Memoranda: | ||
| Average total assets | $276,239,000 | 2,332 |
| Average earning assets | $268,637,500 | 2,236 |
| Average equity | $30,627,500 | 2,325 |
| Average total loans | $145,459,000 | 2,742 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9899% | 5,365 |
| Cost of funding earning assets | 0.4529% | 2,751 |
| Net interest margin | 2.5370% | 5,387 |
| Noninterest income to average assets | 0.1256% | 5,317 |
| Noninterest expense to average assets | 1.4256% | 5,511 |
| Loan and lease loss provision to assets | 0.0018% | 4,205 |
| Net operating income to assets | 1.1600% | 1,648 |
| Return on assets (ROA) | 1.1600% | 1,679 |
| Pretax return on assets | 1.1600% | 2,943 |
| Return on Equity (ROE) | 10.4091% | 1,717 |
| Retained earnings to average equity (ytd only) | 4.6668% | 2,342 |
| Net charge-offs to loans | 0.0014% | 4,075 |
| Credit loss provision to net charge-offs | 250.0000% | 1,099 |
| Earnings coverage of net charge-offs (x) | 1,614.0000% | 42 |
| Efficiency ratio | 55.0981% | 4,853 |
| Assets per employee ($millions) | 7.2399% | 869 |
| Cash dividends to net income (ytd only)* | 55.1660% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3890% | 5,499 |
| Loan loss allowance to noncurrent loans | 46.1854% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 0.4696% | 2,991 |
| Noncurrent loans to loans | 0.8422% | 2,113 |
| Net loans and leases to total assets | 52.4086% | 4,492 |
| Net loans and leases to deposits | 59.1896% | 4,625 |
| Net loans and leases to core deposits | 59.8033% | 4,767 |
| Total domestic deposits to total assets | 88.5437% | 1,227 |
| Equity capital to assets | 11.3553% | 2,322 |
| Core capital (leverage) ratio | 11.6227% | 1,853 |
| Tier 1 risk-based capital ratio | 27.3222% | 579 |
| Total risk-based capital ratio | 27.8077% | 612 |
| Memoranda: | ||
| Average total assets | $277,843,800 | 2,300 |
| Average earning assets | $269,609,400 | 2,212 |
| Average equity | $30,963,400 | 2,293 |
| Average total loans | $145,975,600 | 2,698 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9580% | 5,441 |
| Cost of funding earning assets | 0.4548% | 2,672 |
| Net interest margin | 2.5032% | 5,469 |
| Noninterest income to average assets | 0.1206% | 5,394 |
| Noninterest expense to average assets | 1.3964% | 5,577 |
| Loan and lease loss provision to assets | 0.0024% | 4,061 |
| Net operating income to assets | 1.1537% | 1,865 |
| Return on assets (ROA) | 1.1537% | 1,909 |
| Pretax return on assets | 1.1537% | 3,099 |
| Return on Equity (ROE) | 10.4008% | 1,949 |
| Retained earnings to average equity (ytd only) | 2.7275% | 4,269 |
| Net charge-offs to loans | 0.0036% | 3,605 |
| Credit loss provision to net charge-offs | 125.0000% | 1,938 |
| Earnings coverage of net charge-offs (x) | 604.1126% | 167 |
| Efficiency ratio | 54.7074% | 4,881 |
| Assets per employee ($millions) | 6.6612% | 1,093 |
| Cash dividends to net income (ytd only)* | 73.7761% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3816% | 5,568 |
| Loan loss allowance to noncurrent loans | 42.1171% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 0.5243% | 2,963 |
| Noncurrent loans to loans | 0.9061% | 2,118 |
| Net loans and leases to total assets | 53.6196% | 4,443 |
| Net loans and leases to deposits | 60.8821% | 4,588 |
| Net loans and leases to core deposits | 61.5306% | 4,742 |
| Total domestic deposits to total assets | 88.0712% | 1,332 |
| Equity capital to assets | 11.4020% | 2,463 |
| Core capital (leverage) ratio | 10.9472% | 2,507 |
| Tier 1 risk-based capital ratio | 26.3415% | 655 |
| Total risk-based capital ratio | 26.8190% | 697 |
| Memoranda: | ||
| Average total assets | $278,526,000 | 2,310 |
| Average earning assets | $270,581,000 | 2,223 |
| Average equity | $30,894,250 | 2,311 |
| Average total loans | $146,282,750 | 2,710 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8660% | 5,528 |
| Cost of funding earning assets | 0.4480% | 2,619 |
| Net interest margin | 2.4180% | 5,557 |
| Noninterest income to average assets | 0.1156% | 5,462 |
| Noninterest expense to average assets | 1.4255% | 5,613 |
| Loan and lease loss provision to assets | 0.0036% | 3,829 |
| Net operating income to assets | 1.0352% | 2,274 |
| Return on assets (ROA) | 1.0352% | 2,315 |
| Pretax return on assets | 1.0352% | 3,423 |
| Return on Equity (ROE) | 9.4183% | 2,308 |
| Retained earnings to average equity (ytd only) | 2.6807% | 4,095 |
| Net charge-offs to loans | 0.0055% | 3,271 |
| Credit loss provision to net charge-offs | 125.0000% | 1,726 |
| Earnings coverage of net charge-offs (x) | 364.0000% | 234 |
| Efficiency ratio | 57.8460% | 4,615 |
| Assets per employee ($millions) | 6.7534% | 1,030 |
| Cash dividends to net income (ytd only)* | 71.5369% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3792% | 5,623 |
| Loan loss allowance to noncurrent loans | 34.5443% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 0.6226% | 2,701 |
| Noncurrent loans to loans | 1.0978% | 1,783 |
| Net loans and leases to total assets | 53.2259% | 4,468 |
| Net loans and leases to deposits | 60.1098% | 4,615 |
| Net loans and leases to core deposits | 60.6541% | 4,787 |
| Total domestic deposits to total assets | 88.5477% | 1,179 |
| Equity capital to assets | 11.2284% | 2,561 |
| Core capital (leverage) ratio | 11.0333% | 2,371 |
| Tier 1 risk-based capital ratio | 26.5466% | 636 |
| Total risk-based capital ratio | 27.0311% | 673 |
| Memoranda: | ||
| Average total assets | $280,331,000 | 2,314 |
| Average earning assets | $272,292,330 | 2,220 |
| Average equity | $30,812,330 | 2,311 |
| Average total loans | $146,043,000 | 2,715 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8133% | 5,594 |
| Cost of funding earning assets | 0.4467% | 2,554 |
| Net interest margin | 2.3666% | 5,631 |
| Noninterest income to average assets | 0.1135% | 5,540 |
| Noninterest expense to average assets | 1.3785% | 5,704 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0339% | 2,149 |
| Return on assets (ROA) | 1.0339% | 2,200 |
| Pretax return on assets | 1.0339% | 3,222 |
| Return on Equity (ROE) | 9.5066% | 2,184 |
| Retained earnings to average equity (ytd only) | 0.3782% | 4,833 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1429% | 4,822 |
| Assets per employee ($millions) | 6.9200% | 987 |
| Cash dividends to net income (ytd only)* | 96.0219% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3838% | 5,696 |
| Loan loss allowance to noncurrent loans | 35.1980% | 4,947 |
| Noncurrent assets plus other real estate owned to assets | 0.5960% | 2,863 |
| Noncurrent loans to loans | 1.0905% | 1,879 |
| Net loans and leases to total assets | 51.2266% | 4,573 |
| Net loans and leases to deposits | 57.4819% | 4,734 |
| Net loans and leases to core deposits | 58.1014% | 4,878 |
| Total domestic deposits to total assets | 89.1178% | 1,098 |
| Equity capital to assets | 10.7722% | 2,887 |
| Core capital (leverage) ratio | 10.6349% | 2,759 |
| Tier 1 risk-based capital ratio | 25.3352% | 746 |
| Total risk-based capital ratio | 25.8100% | 793 |
| Memoranda: | ||
| Average total assets | $282,052,500 | 2,314 |
| Average earning assets | $273,981,500 | 2,223 |
| Average equity | $30,673,500 | 2,320 |
| Average total loans | $145,096,000 | 2,755 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9148% | 5,569 |
| Cost of funding earning assets | 0.4691% | 2,364 |
| Net interest margin | 2.4457% | 5,613 |
| Noninterest income to average assets | 0.1309% | 5,532 |
| Noninterest expense to average assets | 1.3704% | 5,789 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1308% | 1,770 |
| Return on assets (ROA) | 1.1308% | 1,865 |
| Pretax return on assets | 1.1308% | 2,966 |
| Return on Equity (ROE) | 9.9810% | 1,962 |
| Retained earnings to average equity (ytd only) | 2.6889% | 3,990 |
| Net charge-offs to loans | 0.0020% | 4,206 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 1,065.3333% | 69 |
| Efficiency ratio | 54.7885% | 5,172 |
| Assets per employee ($millions) | 7.3786% | 767 |
| Cash dividends to net income (ytd only)* | 73.0601% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3881% | 5,743 |
| Loan loss allowance to noncurrent loans | 50.2242% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 0.4333% | 3,532 |
| Noncurrent loans to loans | 0.7727% | 2,593 |
| Net loans and leases to total assets | 51.2624% | 4,668 |
| Net loans and leases to deposits | 57.7747% | 4,805 |
| Net loans and leases to core deposits | 58.4795% | 4,933 |
| Total domestic deposits to total assets | 88.7280% | 1,248 |
| Equity capital to assets | 10.9792% | 2,644 |
| Core capital (leverage) ratio | 11.0928% | 2,261 |
| Tier 1 risk-based capital ratio | 26.1745% | 690 |
| Total risk-based capital ratio | 26.6519% | 721 |
| Memoranda: | ||
| Average total assets | $282,621,800 | 2,269 |
| Average earning assets | $273,911,200 | 2,185 |
| Average equity | $32,020,800 | 2,222 |
| Average total loans | $147,164,600 | 2,676 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8993% | 5,650 |
| Cost of funding earning assets | 0.4758% | 2,311 |
| Net interest margin | 2.4235% | 5,704 |
| Noninterest income to average assets | 0.1323% | 5,591 |
| Noninterest expense to average assets | 1.3113% | 5,860 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1714% | 1,731 |
| Return on assets (ROA) | 1.1714% | 1,842 |
| Pretax return on assets | 1.1714% | 2,961 |
| Return on Equity (ROE) | 10.2606% | 1,944 |
| Retained earnings to average equity (ytd only) | 2.6930% | 4,287 |
| Net charge-offs to loans | 0.0027% | 3,844 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 829.3125% | 110 |
| Efficiency ratio | 52.8162% | 5,325 |
| Assets per employee ($millions) | 7.2919% | 792 |
| Cash dividends to net income (ytd only)* | 73.7542% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3886% | 5,804 |
| Loan loss allowance to noncurrent loans | 51.9481% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 0.4251% | 3,721 |
| Noncurrent loans to loans | 0.7481% | 2,800 |
| Net loans and leases to total assets | 51.8043% | 4,671 |
| Net loans and leases to deposits | 58.7356% | 4,836 |
| Net loans and leases to core deposits | 59.3917% | 4,971 |
| Total domestic deposits to total assets | 88.1992% | 1,297 |
| Equity capital to assets | 11.7095% | 2,341 |
| Core capital (leverage) ratio | 10.8942% | 2,573 |
| Tier 1 risk-based capital ratio | 26.7377% | 661 |
| Total risk-based capital ratio | 27.2748% | 697 |
| Memoranda: | ||
| Average total assets | $283,181,000 | 2,271 |
| Average earning assets | $274,634,750 | 2,192 |
| Average equity | $32,330,000 | 2,227 |
| Average total loans | $147,882,750 | 2,675 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9986% | 5,651 |
| Cost of funding earning assets | 0.4676% | 2,398 |
| Net interest margin | 2.5310% | 5,723 |
| Noninterest income to average assets | 0.1297% | 5,671 |
| Noninterest expense to average assets | 1.1641% | 5,980 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4214% | 1,029 |
| Return on assets (ROA) | 1.4214% | 1,069 |
| Pretax return on assets | 1.4214% | 1,943 |
| Return on Equity (ROE) | 12.5545% | 1,150 |
| Retained earnings to average equity (ytd only) | 8.6215% | 963 |
| Net charge-offs to loans | -0.0027% | 4,406 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0231% | 5,793 |
| Assets per employee ($millions) | 7.8551% | 605 |
| Cash dividends to net income (ytd only)* | 31.3271% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3810% | 5,896 |
| Loan loss allowance to noncurrent loans | 104.8237% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 0.2260% | 4,593 |
| Noncurrent loans to loans | 0.3635% | 4,064 |
| Net loans and leases to total assets | 52.2379% | 4,653 |
| Net loans and leases to deposits | 59.3028% | 4,835 |
| Net loans and leases to core deposits | 59.8907% | 4,987 |
| Total domestic deposits to total assets | 88.0867% | 1,385 |
| Equity capital to assets | 11.8454% | 2,238 |
| Core capital (leverage) ratio | 11.2760% | 2,171 |
| Tier 1 risk-based capital ratio | 27.2244% | 632 |
| Total risk-based capital ratio | 27.7667% | 670 |
| Memoranda: | ||
| Average total assets | $285,211,000 | 2,262 |
| Average earning assets | $276,729,000 | 2,188 |
| Average equity | $32,291,330 | 2,232 |
| Average total loans | $149,142,000 | 2,661 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0995% | 5,609 |
| Cost of funding earning assets | 0.4693% | 2,372 |
| Net interest margin | 2.6302% | 5,693 |
| Noninterest income to average assets | 0.1299% | 5,691 |
| Noninterest expense to average assets | 0.9538% | 6,077 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7275% | 537 |
| Return on assets (ROA) | 1.7275% | 572 |
| Pretax return on assets | 1.7275% | 995 |
| Return on Equity (ROE) | 15.6145% | 583 |
| Retained earnings to average equity (ytd only) | 7.5990% | 1,623 |
| Net charge-offs to loans | -0.0027% | 4,159 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.5729% | 6,029 |
| Assets per employee ($millions) | 7.9920% | 569 |
| Cash dividends to net income (ytd only)* | 51.3339% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3777% | 5,964 |
| Loan loss allowance to noncurrent loans | 93.0693% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 0.2454% | 4,576 |
| Noncurrent loans to loans | 0.4058% | 3,982 |
| Net loans and leases to total assets | 51.7050% | 4,653 |
| Net loans and leases to deposits | 58.2572% | 4,837 |
| Net loans and leases to core deposits | 59.0235% | 4,998 |
| Total domestic deposits to total assets | 88.7530% | 1,225 |
| Equity capital to assets | 11.2102% | 2,718 |
| Core capital (leverage) ratio | 10.8471% | 2,573 |
| Tier 1 risk-based capital ratio | 27.1928% | 661 |
| Total risk-based capital ratio | 27.6854% | 691 |
| Memoranda: | ||
| Average total assets | $286,424,000 | 2,267 |
| Average earning assets | $277,848,500 | 2,194 |
| Average equity | $31,688,500 | 2,264 |
| Average total loans | $149,570,000 | 2,655 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9531% | 5,771 |
| Cost of funding earning assets | 0.4617% | 2,522 |
| Net interest margin | 2.4913% | 5,836 |
| Noninterest income to average assets | 0.1391% | 5,718 |
| Noninterest expense to average assets | 1.1723% | 6,096 |
| Loan and lease loss provision to assets | 0.0173% | 4,063 |
| Net operating income to assets | 1.3597% | 1,122 |
| Return on assets (ROA) | 1.3597% | 1,168 |
| Pretax return on assets | 1.3597% | 2,071 |
| Return on Equity (ROE) | 12.4825% | 1,182 |
| Retained earnings to average equity (ytd only) | 4.7214% | 2,625 |
| Net charge-offs to loans | 0.0072% | 4,195 |
| Credit loss provision to net charge-offs | 445.4545% | 687 |
| Earnings coverage of net charge-offs (x) | 355.3636% | 190 |
| Efficiency ratio | 45.9859% | 5,926 |
| Assets per employee ($millions) | 7.9222% | 574 |
| Cash dividends to net income (ytd only)* | 62.1762% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3758% | 6,013 |
| Loan loss allowance to noncurrent loans | 243.7229% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.1161% | 5,128 |
| Noncurrent loans to loans | 0.1542% | 4,877 |
| Net loans and leases to total assets | 52.3324% | 4,665 |
| Net loans and leases to deposits | 58.9549% | 4,852 |
| Net loans and leases to core deposits | 59.7405% | 4,997 |
| Total domestic deposits to total assets | 88.7668% | 1,247 |
| Equity capital to assets | 11.1690% | 2,658 |
| Core capital (leverage) ratio | 11.5728% | 1,907 |
| Tier 1 risk-based capital ratio | 27.7706% | 616 |
| Total risk-based capital ratio | 28.2565% | 648 |
| Memoranda: | ||
| Average total assets | $283,883,200 | 2,241 |
| Average earning assets | $274,630,800 | 2,171 |
| Average equity | $30,923,200 | 2,256 |
| Average total loans | $153,197,200 | 2,551 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9571% | 5,846 |
| Cost of funding earning assets | 0.4685% | 2,510 |
| Net interest margin | 2.4885% | 5,914 |
| Noninterest income to average assets | 0.1650% | 5,655 |
| Noninterest expense to average assets | 1.1553% | 6,186 |
| Loan and lease loss provision to assets | 0.0150% | 3,968 |
| Net operating income to assets | 1.4022% | 1,102 |
| Return on assets (ROA) | 1.4022% | 1,146 |
| Pretax return on assets | 1.4022% | 1,999 |
| Return on Equity (ROE) | 12.9548% | 1,132 |
| Retained earnings to average equity (ytd only) | 7.0856% | 1,648 |
| Net charge-offs to loans | 0.0061% | 3,969 |
| Credit loss provision to net charge-offs | 457.1429% | 692 |
| Earnings coverage of net charge-offs (x) | 430.7149% | 170 |
| Efficiency ratio | 44.9095% | 6,006 |
| Assets per employee ($millions) | 7.6585% | 632 |
| Cash dividends to net income (ytd only)* | 45.3052% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3658% | 6,107 |
| Loan loss allowance to noncurrent loans | 343.7500% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.0943% | 5,372 |
| Noncurrent loans to loans | 0.1064% | 5,211 |
| Net loans and leases to total assets | 54.3314% | 4,532 |
| Net loans and leases to deposits | 61.3645% | 4,766 |
| Net loans and leases to core deposits | 62.2773% | 4,920 |
| Total domestic deposits to total assets | 88.5389% | 1,280 |
| Equity capital to assets | 11.2703% | 2,731 |
| Core capital (leverage) ratio | 10.5617% | 2,970 |
| Tier 1 risk-based capital ratio | 16.5730% | 2,535 |
| Total risk-based capital ratio | 16.8751% | 2,915 |
| Memoranda: | ||
| Average total assets | $283,554,000 | 2,261 |
| Average earning assets | $274,318,750 | 2,189 |
| Average equity | $30,690,500 | 2,284 |
| Average total loans | $154,042,750 | 2,557 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9570% | 5,894 |
| Cost of funding earning assets | 0.4639% | 2,574 |
| Net interest margin | 2.4931% | 5,969 |
| Noninterest income to average assets | 0.2097% | 5,432 |
| Noninterest expense to average assets | 1.1239% | 6,264 |
| Loan and lease loss provision to assets | 0.0224% | 3,684 |
| Net operating income to assets | 1.4712% | 947 |
| Return on assets (ROA) | 1.4712% | 998 |
| Pretax return on assets | 1.4712% | 1,723 |
| Return on Equity (ROE) | 13.7831% | 946 |
| Retained earnings to average equity (ytd only) | 9.1014% | 891 |
| Net charge-offs to loans | 0.0052% | 3,716 |
| Credit loss provision to net charge-offs | 800.0000% | 426 |
| Earnings coverage of net charge-offs (x) | 534.2500% | 124 |
| Efficiency ratio | 42.9372% | 6,148 |
| Assets per employee ($millions) | 8.0833% | 510 |
| Cash dividends to net income (ytd only)* | 33.9667% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3616% | 6,180 |
| Loan loss allowance to noncurrent loans | 386.7133% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.0944% | 5,488 |
| Noncurrent loans to loans | 0.0935% | 5,370 |
| Net loans and leases to total assets | 53.8655% | 4,572 |
| Net loans and leases to deposits | 60.6110% | 4,799 |
| Net loans and leases to core deposits | 61.6771% | 4,967 |
| Total domestic deposits to total assets | 88.8708% | 1,205 |
| Equity capital to assets | 10.8033% | 3,103 |
| Core capital (leverage) ratio | 10.4809% | 2,986 |
| Tier 1 risk-based capital ratio | 17.9000% | 2,095 |
| Total risk-based capital ratio | 18.2312% | 2,360 |
| Memoranda: | ||
| Average total assets | $286,151,330 | 2,263 |
| Average earning assets | $276,359,000 | 2,189 |
| Average equity | $30,544,670 | 2,301 |
| Average total loans | $155,283,330 | 2,550 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9562% | 5,938 |
| Cost of funding earning assets | 0.4651% | 2,620 |
| Net interest margin | 2.4911% | 6,022 |
| Noninterest income to average assets | 0.1724% | 5,683 |
| Noninterest expense to average assets | 1.0105% | 6,362 |
| Loan and lease loss provision to assets | 0.0445% | 3,034 |
| Net operating income to assets | 1.5220% | 814 |
| Return on assets (ROA) | 1.5220% | 858 |
| Pretax return on assets | 1.5220% | 1,493 |
| Return on Equity (ROE) | 14.3442% | 813 |
| Retained earnings to average equity (ytd only) | -7.9515% | 6,075 |
| Net charge-offs to loans | 0.0102% | 2,990 |
| Credit loss provision to net charge-offs | 800.0000% | 387 |
| Earnings coverage of net charge-offs (x) | 281.7500% | 207 |
| Efficiency ratio | 39.2125% | 6,280 |
| Assets per employee ($millions) | 8.2887% | 479 |
| Cash dividends to net income (ytd only)* | 155.4338% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3532% | 6,263 |
| Loan loss allowance to noncurrent loans | 253.6697% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.1096% | 5,517 |
| Noncurrent loans to loans | 0.1392% | 5,276 |
| Net loans and leases to total assets | 53.7755% | 4,474 |
| Net loans and leases to deposits | 60.2221% | 4,731 |
| Net loans and leases to core deposits | 61.3171% | 4,885 |
| Total domestic deposits to total assets | 89.2953% | 1,094 |
| Equity capital to assets | 10.5448% | 3,487 |
| Core capital (leverage) ratio | 10.3470% | 3,171 |
| Tier 1 risk-based capital ratio | 26.5859% | 749 |
| Total risk-based capital ratio | 27.0810% | 785 |
| Memoranda: | ||
| Average total assets | $287,770,000 | 2,264 |
| Average earning assets | $277,785,000 | 2,191 |
| Average equity | $30,535,000 | 2,319 |
| Average total loans | $156,452,000 | 2,530 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0556% | 6,006 |
| Cost of funding earning assets | 0.5012% | 2,665 |
| Net interest margin | 2.5543% | 6,110 |
| Noninterest income to average assets | 0.1546% | 5,924 |
| Noninterest expense to average assets | 1.2015% | 6,414 |
| Loan and lease loss provision to assets | 0.0014% | 4,582 |
| Net operating income to assets | 1.4201% | 1,038 |
| Return on assets (ROA) | 1.4201% | 1,069 |
| Pretax return on assets | 1.4201% | 1,815 |
| Return on Equity (ROE) | 13.6231% | 1,012 |
| Retained earnings to average equity (ytd only) | 5.2672% | 2,420 |
| Net charge-offs to loans | 0.0299% | 4,226 |
| Credit loss provision to net charge-offs | 8.5106% | 4,117 |
| Earnings coverage of net charge-offs (x) | 85.1064% | 597 |
| Efficiency ratio | 45.8068% | 6,271 |
| Assets per employee ($millions) | 8.1553% | 510 |
| Cash dividends to net income (ytd only)* | 61.3363% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3358% | 6,365 |
| Loan loss allowance to noncurrent loans | 71.9178% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 0.2908% | 4,866 |
| Noncurrent loans to loans | 0.4669% | 4,254 |
| Net loans and leases to total assets | 54.5906% | 4,503 |
| Net loans and leases to deposits | 61.3387% | 4,775 |
| Net loans and leases to core deposits | 62.0777% | 4,994 |
| Total domestic deposits to total assets | 88.9985% | 1,235 |
| Equity capital to assets | 10.6781% | 3,266 |
| Core capital (leverage) ratio | 10.3591% | 3,102 |
| Tier 1 risk-based capital ratio | 24.5904% | 880 |
| Total risk-based capital ratio | 25.0322% | 956 |
| Memoranda: | ||
| Average total assets | $281,396,400 | 2,264 |
| Average earning assets | $271,928,600 | 2,184 |
| Average equity | $29,332,600 | 2,316 |
| Average total loans | $157,050,000 | 2,469 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0989% | 6,032 |
| Cost of funding earning assets | 0.5082% | 2,681 |
| Net interest margin | 2.5907% | 6,145 |
| Noninterest income to average assets | 0.1517% | 6,010 |
| Noninterest expense to average assets | 1.1902% | 6,487 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4679% | 990 |
| Return on assets (ROA) | 1.4679% | 1,030 |
| Pretax return on assets | 1.4679% | 1,744 |
| Return on Equity (ROE) | 14.1703% | 956 |
| Retained earnings to average equity (ytd only) | 4.9254% | 3,133 |
| Net charge-offs to loans | 0.0432% | 3,639 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 60.5279% | 855 |
| Efficiency ratio | 44.7764% | 6,337 |
| Assets per employee ($millions) | 8.2733% | 457 |
| Cash dividends to net income (ytd only)* | 65.2414% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3294% | 6,452 |
| Loan loss allowance to noncurrent loans | 195.0943% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.1230% | 5,678 |
| Noncurrent loans to loans | 0.1688% | 5,407 |
| Net loans and leases to total assets | 55.6212% | 4,378 |
| Net loans and leases to deposits | 62.3408% | 4,706 |
| Net loans and leases to core deposits | 64.4566% | 4,845 |
| Total domestic deposits to total assets | 89.2212% | 1,115 |
| Equity capital to assets | 10.5531% | 3,496 |
| Core capital (leverage) ratio | 9.9880% | 3,694 |
| Tier 1 risk-based capital ratio | 26.0163% | 786 |
| Total risk-based capital ratio | 26.4929% | 846 |
| Memoranda: | ||
| Average total assets | $280,387,000 | 2,289 |
| Average earning assets | $271,268,750 | 2,203 |
| Average equity | $29,046,000 | 2,349 |
| Average total loans | $157,226,250 | 2,473 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1271% | 6,031 |
| Cost of funding earning assets | 0.5027% | 2,808 |
| Net interest margin | 2.6243% | 6,145 |
| Noninterest income to average assets | 0.1521% | 6,043 |
| Noninterest expense to average assets | 1.1475% | 6,566 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5431% | 805 |
| Return on assets (ROA) | 1.5431% | 841 |
| Pretax return on assets | 1.5431% | 1,415 |
| Return on Equity (ROE) | 14.9898% | 794 |
| Retained earnings to average equity (ytd only) | 5.3897% | 2,703 |
| Net charge-offs to loans | 0.0127% | 3,983 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 216.1000% | 310 |
| Efficiency ratio | 42.6486% | 6,463 |
| Assets per employee ($millions) | 8.4090% | 420 |
| Cash dividends to net income (ytd only)* | 64.0444% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3563% | 6,508 |
| Loan loss allowance to noncurrent loans | 60.5863% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 0.4508% | 4,652 |
| Noncurrent loans to loans | 0.5881% | 4,260 |
| Net loans and leases to total assets | 56.2384% | 4,254 |
| Net loans and leases to deposits | 63.1484% | 4,578 |
| Net loans and leases to core deposits | 64.2241% | 4,802 |
| Total domestic deposits to total assets | 89.0575% | 1,322 |
| Equity capital to assets | 10.5897% | 3,327 |
| Core capital (leverage) ratio | 10.1938% | 3,350 |
| Tier 1 risk-based capital ratio | 26.6081% | 727 |
| Total risk-based capital ratio | 27.1333% | 768 |
| Memoranda: | ||
| Average total assets | $280,085,330 | 2,289 |
| Average earning assets | $270,925,330 | 2,200 |
| Average equity | $28,833,000 | 2,356 |
| Average total loans | $157,310,000 | 2,482 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1173% | 6,096 |
| Cost of funding earning assets | 0.5019% | 2,889 |
| Net interest margin | 2.6154% | 6,219 |
| Noninterest income to average assets | 0.1464% | 6,096 |
| Noninterest expense to average assets | 1.2140% | 6,628 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4585% | 882 |
| Return on assets (ROA) | 1.4585% | 913 |
| Pretax return on assets | 1.4585% | 1,557 |
| Return on Equity (ROE) | 14.3715% | 881 |
| Retained earnings to average equity (ytd only) | -0.1121% | 5,573 |
| Net charge-offs to loans | 0.0279% | 3,018 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 93.2727% | 481 |
| Efficiency ratio | 45.4255% | 6,443 |
| Assets per employee ($millions) | 8.5874% | 391 |
| Cash dividends to net income (ytd only)* | 100.7797% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3542% | 6,588 |
| Loan loss allowance to noncurrent loans | 44.5244% | 5,409 |
| Noncurrent assets plus other real estate owned to assets | 0.5660% | 4,452 |
| Noncurrent loans to loans | 0.7956% | 3,882 |
| Net loans and leases to total assets | 55.2891% | 4,237 |
| Net loans and leases to deposits | 61.7507% | 4,576 |
| Net loans and leases to core deposits | 62.6202% | 4,817 |
| Total domestic deposits to total assets | 89.5361% | 1,353 |
| Equity capital to assets | 10.2420% | 3,550 |
| Core capital (leverage) ratio | 10.1681% | 3,327 |
| Tier 1 risk-based capital ratio | 22.0825% | 1,281 |
| Total risk-based capital ratio | 22.5403% | 1,396 |
| Memoranda: | ||
| Average total assets | $281,379,500 | 2,293 |
| Average earning assets | $271,773,000 | 2,205 |
| Average equity | $28,556,500 | 2,365 |
| Average total loans | $157,656,000 | 2,491 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1713% | 6,169 |
| Cost of funding earning assets | 0.6425% | 2,274 |
| Net interest margin | 2.5288% | 6,347 |
| Noninterest income to average assets | 0.1583% | 6,139 |
| Noninterest expense to average assets | 1.1034% | 6,734 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4872% | 848 |
| Return on assets (ROA) | 1.3854% | 1,093 |
| Pretax return on assets | 1.3854% | 1,840 |
| Return on Equity (ROE) | 13.7816% | 998 |
| Retained earnings to average equity (ytd only) | 5.4152% | 2,342 |
| Net charge-offs to loans | 0.0063% | 5,336 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 416.1000% | 105 |
| Efficiency ratio | 42.5911% | 6,645 |
| Assets per employee ($millions) | 8.7305% | 366 |
| Cash dividends to net income (ytd only)* | 60.7069% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3593% | 6,661 |
| Loan loss allowance to noncurrent loans | 92.5081% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 0.3304% | 5,274 |
| Noncurrent loans to loans | 0.3884% | 5,036 |
| Net loans and leases to total assets | 56.3781% | 4,261 |
| Net loans and leases to deposits | 62.8934% | 4,626 |
| Net loans and leases to core deposits | 63.6621% | 4,904 |
| Total domestic deposits to total assets | 89.6408% | 1,251 |
| Equity capital to assets | 10.0542% | 3,686 |
| Core capital (leverage) ratio | 9.8382% | 3,794 |
| Tier 1 risk-based capital ratio | 23.7290% | 983 |
| Total risk-based capital ratio | 24.2235% | 1,078 |
| Memoranda: | ||
| Average total assets | $279,783,800 | 2,271 |
| Average earning assets | $269,100,800 | 2,188 |
| Average equity | $28,124,400 | 2,370 |
| Average total loans | $157,618,000 | 2,458 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1930% | 6,202 |
| Cost of funding earning assets | 0.6693% | 2,181 |
| Net interest margin | 2.5237% | 6,409 |
| Noninterest income to average assets | 0.1482% | 6,290 |
| Noninterest expense to average assets | 1.1066% | 6,810 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4720% | 945 |
| Return on assets (ROA) | 1.3367% | 1,302 |
| Pretax return on assets | 1.3367% | 2,185 |
| Return on Equity (ROE) | 13.2983% | 1,171 |
| Retained earnings to average equity (ytd only) | 5.0662% | 3,031 |
| Net charge-offs to loans | -0.0042% | 5,763 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9152% | 6,683 |
| Assets per employee ($millions) | 8.5943% | 368 |
| Cash dividends to net income (ytd only)* | 61.9030% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3656% | 6,742 |
| Loan loss allowance to noncurrent loans | 48.7051% | 5,282 |
| Noncurrent assets plus other real estate owned to assets | 0.5349% | 4,842 |
| Noncurrent loans to loans | 0.7507% | 4,344 |
| Net loans and leases to total assets | 57.7633% | 4,050 |
| Net loans and leases to deposits | 64.5670% | 4,454 |
| Net loans and leases to core deposits | 65.8018% | 4,735 |
| Total domestic deposits to total assets | 89.4625% | 1,324 |
| Equity capital to assets | 10.4302% | 3,362 |
| Core capital (leverage) ratio | 9.8046% | 3,949 |
| Tier 1 risk-based capital ratio | 23.0856% | 1,128 |
| Total risk-based capital ratio | 23.5862% | 1,228 |
| Memoranda: | ||
| Average total assets | $279,885,750 | 2,278 |
| Average earning assets | $269,545,000 | 2,192 |
| Average equity | $28,133,250 | 2,399 |
| Average total loans | $157,503,750 | 2,462 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1865% | 6,247 |
| Cost of funding earning assets | 0.6860% | 2,170 |
| Net interest margin | 2.5005% | 6,450 |
| Noninterest income to average assets | 0.1414% | 6,346 |
| Noninterest expense to average assets | 1.0835% | 6,858 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4635% | 959 |
| Return on assets (ROA) | 1.4635% | 1,031 |
| Pretax return on assets | 1.4635% | 1,730 |
| Return on Equity (ROE) | 14.7410% | 859 |
| Retained earnings to average equity (ytd only) | 3.7997% | 3,882 |
| Net charge-offs to loans | -0.0064% | 5,682 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5384% | 6,743 |
| Assets per employee ($millions) | 9.1673% | 282 |
| Cash dividends to net income (ytd only)* | 74.2233% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3745% | 6,786 |
| Loan loss allowance to noncurrent loans | 50.0429% | 5,202 |
| Noncurrent assets plus other real estate owned to assets | 0.5232% | 4,961 |
| Noncurrent loans to loans | 0.7484% | 4,429 |
| Net loans and leases to total assets | 56.3876% | 4,224 |
| Net loans and leases to deposits | 62.8006% | 4,652 |
| Net loans and leases to core deposits | 64.1284% | 4,881 |
| Total domestic deposits to total assets | 89.7883% | 1,154 |
| Equity capital to assets | 9.7575% | 4,233 |
| Core capital (leverage) ratio | 9.3356% | 4,485 |
| Tier 1 risk-based capital ratio | 22.9966% | 1,132 |
| Total risk-based capital ratio | 23.5073% | 1,223 |
| Memoranda: | ||
| Average total assets | $281,508,000 | 2,286 |
| Average earning assets | $270,827,330 | 2,186 |
| Average equity | $27,949,330 | 2,425 |
| Average total loans | $156,857,330 | 2,477 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0675% | 6,437 |
| Cost of funding earning assets | 0.7074% | 2,145 |
| Net interest margin | 2.3600% | 6,634 |
| Noninterest income to average assets | 0.1138% | 6,524 |
| Noninterest expense to average assets | 1.0353% | 6,955 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3513% | 1,152 |
| Return on assets (ROA) | 1.3513% | 1,244 |
| Pretax return on assets | 1.3513% | 2,038 |
| Return on Equity (ROE) | 13.4987% | 1,056 |
| Retained earnings to average equity (ytd only) | -0.3227% | 5,838 |
| Net charge-offs to loans | -0.0127% | 5,527 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3785% | 6,795 |
| Assets per employee ($millions) | 9.5231% | 265 |
| Cash dividends to net income (ytd only)* | 102.3909% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3718% | 6,866 |
| Loan loss allowance to noncurrent loans | 69.5704% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 0.3892% | 5,424 |
| Noncurrent loans to loans | 0.5345% | 5,106 |
| Net loans and leases to total assets | 54.6769% | 4,299 |
| Net loans and leases to deposits | 60.7839% | 4,707 |
| Net loans and leases to core deposits | 61.9512% | 4,957 |
| Total domestic deposits to total assets | 89.9529% | 1,082 |
| Equity capital to assets | 9.7969% | 4,423 |
| Core capital (leverage) ratio | 9.2182% | 4,537 |
| Tier 1 risk-based capital ratio | 22.3986% | 1,261 |
| Total risk-based capital ratio | 22.8964% | 1,371 |
| Memoranda: | ||
| Average total assets | $284,753,000 | 2,290 |
| Average earning assets | $274,233,500 | 2,188 |
| Average equity | $28,506,500 | 2,417 |
| Average total loans | $157,456,500 | 2,489 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6602% | 6,118 |
| Cost of funding earning assets | 0.8603% | 2,216 |
| Net interest margin | 2.7999% | 6,386 |
| Noninterest income to average assets | 0.1850% | 6,077 |
| Noninterest expense to average assets | 1.1460% | 6,987 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.7293% | 584 |
| Return on assets (ROA) | 1.7293% | 655 |
| Pretax return on assets | 1.7293% | 1,073 |
| Return on Equity (ROE) | 17.1129% | 520 |
| Retained earnings to average equity (ytd only) | 8.6332% | 934 |
| Net charge-offs to loans | -0.0037% | 6,362 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8562% | 6,929 |
| Assets per employee ($millions) | 8.8692% | 339 |
| Cash dividends to net income (ytd only)* | 49.5517% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3655% | 6,915 |
| Loan loss allowance to noncurrent loans | 54.9430% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 0.4672% | 5,305 |
| Noncurrent loans to loans | 0.6653% | 4,865 |
| Net loans and leases to total assets | 55.5098% | 4,379 |
| Net loans and leases to deposits | 62.0773% | 4,778 |
| Net loans and leases to core deposits | 63.2488% | 5,040 |
| Total domestic deposits to total assets | 89.4205% | 1,289 |
| Equity capital to assets | 10.2265% | 3,857 |
| Core capital (leverage) ratio | 9.3802% | 4,282 |
| Tier 1 risk-based capital ratio | 23.2223% | 1,076 |
| Total risk-based capital ratio | 23.7386% | 1,159 |
| Memoranda: | ||
| Average total assets | $270,860,800 | 2,336 |
| Average earning assets | $260,260,000 | 2,237 |
| Average equity | $27,371,200 | 2,460 |
| Average total loans | $161,195,200 | 2,409 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6959% | 6,225 |
| Cost of funding earning assets | 0.8899% | 2,241 |
| Net interest margin | 2.8060% | 6,493 |
| Noninterest income to average assets | 0.1848% | 6,200 |
| Noninterest expense to average assets | 1.1987% | 7,080 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.6834% | 709 |
| Return on assets (ROA) | 1.6834% | 789 |
| Pretax return on assets | 1.6834% | 1,313 |
| Return on Equity (ROE) | 16.7120% | 637 |
| Retained earnings to average equity (ytd only) | 7.3050% | 1,939 |
| Net charge-offs to loans | -0.0058% | 6,288 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5903% | 6,975 |
| Assets per employee ($millions) | 8.5459% | 387 |
| Cash dividends to net income (ytd only)* | 56.2889% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3628% | 7,036 |
| Loan loss allowance to noncurrent loans | 116.4990% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.2830% | 5,991 |
| Noncurrent loans to loans | 0.3114% | 5,861 |
| Net loans and leases to total assets | 58.1422% | 4,111 |
| Net loans and leases to deposits | 64.9734% | 4,597 |
| Net loans and leases to core deposits | 66.5858% | 4,892 |
| Total domestic deposits to total assets | 89.4862% | 1,134 |
| Equity capital to assets | 10.2615% | 4,120 |
| Core capital (leverage) ratio | 9.4117% | 4,415 |
| Tier 1 risk-based capital ratio | 22.7192% | 1,216 |
| Total risk-based capital ratio | 23.2380% | 1,306 |
| Memoranda: | ||
| Average total assets | $267,622,750 | 2,392 |
| Average earning assets | $257,254,750 | 2,281 |
| Average equity | $26,958,000 | 2,505 |
| Average total loans | $161,963,500 | 2,430 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7882% | 6,167 |
| Cost of funding earning assets | 0.9014% | 2,385 |
| Net interest margin | 2.8868% | 6,446 |
| Noninterest income to average assets | 0.1890% | 6,211 |
| Noninterest expense to average assets | 1.2135% | 7,139 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.7480% | 616 |
| Return on assets (ROA) | 1.7480% | 693 |
| Pretax return on assets | 1.7480% | 1,142 |
| Return on Equity (ROE) | 17.4652% | 579 |
| Retained earnings to average equity (ytd only) | 5.8293% | 2,812 |
| Net charge-offs to loans | -0.0012% | 6,082 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9761% | 7,045 |
| Assets per employee ($millions) | 8.3735% | 398 |
| Cash dividends to net income (ytd only)* | 66.6236% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3516% | 7,098 |
| Loan loss allowance to noncurrent loans | 82.5648% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 0.3232% | 5,950 |
| Noncurrent loans to loans | 0.4258% | 5,684 |
| Net loans and leases to total assets | 60.6090% | 3,707 |
| Net loans and leases to deposits | 67.8231% | 4,231 |
| Net loans and leases to core deposits | 69.5409% | 4,587 |
| Total domestic deposits to total assets | 89.3634% | 1,297 |
| Equity capital to assets | 10.0835% | 4,214 |
| Core capital (leverage) ratio | 9.2761% | 4,487 |
| Tier 1 risk-based capital ratio | 21.6549% | 1,356 |
| Total risk-based capital ratio | 22.1593% | 1,471 |
| Memoranda: | ||
| Average total assets | $265,674,000 | 2,412 |
| Average earning assets | $255,159,330 | 2,305 |
| Average equity | $26,590,000 | 2,520 |
| Average total loans | $162,758,000 | 2,430 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7808% | 6,293 |
| Cost of funding earning assets | 0.9081% | 2,627 |
| Net interest margin | 2.8726% | 6,519 |
| Noninterest income to average assets | 0.1815% | 6,297 |
| Noninterest expense to average assets | 1.2777% | 7,184 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.6588% | 779 |
| Return on assets (ROA) | 1.6588% | 869 |
| Pretax return on assets | 1.6588% | 1,408 |
| Return on Equity (ROE) | 16.6367% | 724 |
| Retained earnings to average equity (ytd only) | -0.0910% | 6,001 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5118% | 7,007 |
| Assets per employee ($millions) | 8.3948% | 410 |
| Cash dividends to net income (ytd only)* | 100.5469% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3519% | 7,152 |
| Loan loss allowance to noncurrent loans | 73.3333% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 0.3551% | 5,998 |
| Noncurrent loans to loans | 0.4798% | 5,711 |
| Net loans and leases to total assets | 60.3000% | 3,599 |
| Net loans and leases to deposits | 67.1688% | 4,198 |
| Net loans and leases to core deposits | 68.7709% | 4,594 |
| Total domestic deposits to total assets | 89.7737% | 1,206 |
| Equity capital to assets | 9.7822% | 4,409 |
| Core capital (leverage) ratio | 9.0141% | 4,818 |
| Tier 1 risk-based capital ratio | 21.0283% | 1,490 |
| Total risk-based capital ratio | 21.5340% | 1,614 |
| Memoranda: | ||
| Average total assets | $264,535,000 | 2,434 |
| Average earning assets | $253,704,000 | 2,334 |
| Average equity | $26,375,500 | 2,539 |
| Average total loans | $162,649,000 | 2,443 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1560% | 6,173 |
| Cost of funding earning assets | 1.0374% | 3,111 |
| Net interest margin | 3.1187% | 6,300 |
| Noninterest income to average assets | 0.1935% | 6,118 |
| Noninterest expense to average assets | 1.2634% | 7,251 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.9156% | 370 |
| Return on assets (ROA) | 2.0220% | 316 |
| Pretax return on assets | 2.0220% | 508 |
| Return on Equity (ROE) | 20.6246% | 240 |
| Retained earnings to average equity (ytd only) | 10.7163% | 442 |
| Net charge-offs to loans | 0.0221% | 6,134 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 138.8857% | 242 |
| Efficiency ratio | 39.7422% | 7,218 |
| Assets per employee ($millions) | 7.8921% | 490 |
| Cash dividends to net income (ytd only)* | 48.0413% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3515% | 7,197 |
| Loan loss allowance to noncurrent loans | 72.3135% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 0.3717% | 6,049 |
| Noncurrent loans to loans | 0.4860% | 5,740 |
| Net loans and leases to total assets | 62.2678% | 3,546 |
| Net loans and leases to deposits | 69.7459% | 4,150 |
| Net loans and leases to core deposits | 71.3144% | 4,614 |
| Total domestic deposits to total assets | 89.2781% | 1,381 |
| Equity capital to assets | 10.1648% | 3,950 |
| Core capital (leverage) ratio | 9.4234% | 4,154 |
| Tier 1 risk-based capital ratio | 22.1662% | 1,217 |
| Total risk-based capital ratio | 22.6983% | 1,304 |
| Memoranda: | ||
| Average total assets | $253,758,600 | 2,484 |
| Average earning assets | $242,924,000 | 2,369 |
| Average equity | $24,878,000 | 2,596 |
| Average total loans | $158,168,200 | 2,525 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1496% | 6,317 |
| Cost of funding earning assets | 1.0636% | 3,219 |
| Net interest margin | 3.0860% | 6,415 |
| Noninterest income to average assets | 0.1978% | 6,178 |
| Noninterest expense to average assets | 1.3032% | 7,311 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.8517% | 468 |
| Return on assets (ROA) | 1.9945% | 374 |
| Pretax return on assets | 1.9945% | 629 |
| Return on Equity (ROE) | 20.5393% | 279 |
| Retained earnings to average equity (ytd only) | 8.9380% | 1,168 |
| Net charge-offs to loans | 0.0314% | 5,709 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 94.6256% | 379 |
| Efficiency ratio | 41.3076% | 7,230 |
| Assets per employee ($millions) | 7.6712% | 540 |
| Cash dividends to net income (ytd only)* | 56.4838% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3529% | 7,260 |
| Loan loss allowance to noncurrent loans | 55.0193% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 0.5471% | 5,742 |
| Noncurrent loans to loans | 0.6414% | 5,607 |
| Net loans and leases to total assets | 63.5774% | 3,401 |
| Net loans and leases to deposits | 71.6260% | 4,040 |
| Net loans and leases to core deposits | 73.6951% | 4,502 |
| Total domestic deposits to total assets | 88.7631% | 1,572 |
| Equity capital to assets | 10.1024% | 4,205 |
| Core capital (leverage) ratio | 8.9682% | 4,986 |
| Tier 1 risk-based capital ratio | 21.3525% | 1,389 |
| Total risk-based capital ratio | 21.8848% | 1,504 |
| Memoranda: | ||
| Average total assets | $252,088,750 | 2,510 |
| Average earning assets | $241,561,750 | 2,394 |
| Average equity | $24,479,250 | 2,634 |
| Average total loans | $157,025,000 | 2,565 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1937% | 6,289 |
| Cost of funding earning assets | 1.0797% | 3,393 |
| Net interest margin | 3.1140% | 6,377 |
| Noninterest income to average assets | 0.1931% | 6,287 |
| Noninterest expense to average assets | 1.3641% | 7,371 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.8122% | 488 |
| Return on assets (ROA) | 1.8122% | 522 |
| Pretax return on assets | 1.8122% | 858 |
| Return on Equity (ROE) | 18.9182% | 394 |
| Retained earnings to average equity (ytd only) | 7.3898% | 1,698 |
| Net charge-offs to loans | 0.0437% | 5,247 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 67.0882% | 492 |
| Efficiency ratio | 42.9465% | 7,272 |
| Assets per employee ($millions) | 7.6649% | 530 |
| Cash dividends to net income (ytd only)* | 60.9382% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3667% | 7,310 |
| Loan loss allowance to noncurrent loans | 99.1349% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 0.3009% | 6,379 |
| Noncurrent loans to loans | 0.3699% | 6,166 |
| Net loans and leases to total assets | 61.5485% | 3,979 |
| Net loans and leases to deposits | 68.5694% | 4,621 |
| Net loans and leases to core deposits | 70.6316% | 5,000 |
| Total domestic deposits to total assets | 89.7609% | 1,090 |
| Equity capital to assets | 9.9058% | 4,268 |
| Core capital (leverage) ratio | 8.6816% | 5,254 |
| Tier 1 risk-based capital ratio | 21.1363% | 1,397 |
| Total risk-based capital ratio | 21.6847% | 1,498 |
| Memoranda: | ||
| Average total assets | $251,735,670 | 2,531 |
| Average earning assets | $241,172,000 | 2,415 |
| Average equity | $24,114,330 | 2,651 |
| Average total loans | $155,528,330 | 2,605 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2114% | 6,260 |
| Cost of funding earning assets | 1.1032% | 3,495 |
| Net interest margin | 3.1082% | 6,331 |
| Noninterest income to average assets | 0.1927% | 6,345 |
| Noninterest expense to average assets | 1.3602% | 7,428 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.8078% | 486 |
| Return on assets (ROA) | 1.8078% | 507 |
| Pretax return on assets | 1.8078% | 802 |
| Return on Equity (ROE) | 19.2019% | 383 |
| Retained earnings to average equity (ytd only) | 3.0791% | 4,318 |
| Net charge-offs to loans | -0.0103% | 6,372 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9361% | 7,322 |
| Assets per employee ($millions) | 7.7844% | 513 |
| Cash dividends to net income (ytd only)* | 83.9648% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3909% | 7,354 |
| Loan loss allowance to noncurrent loans | 115.7197% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.2729% | 6,501 |
| Noncurrent loans to loans | 0.3378% | 6,315 |
| Net loans and leases to total assets | 60.6162% | 4,151 |
| Net loans and leases to deposits | 67.2448% | 4,795 |
| Net loans and leases to core deposits | 69.5366% | 5,106 |
| Total domestic deposits to total assets | 90.1427% | 1,066 |
| Equity capital to assets | 9.4159% | 4,547 |
| Core capital (leverage) ratio | 8.5515% | 5,346 |
| Tier 1 risk-based capital ratio | 20.5252% | 1,470 |
| Total risk-based capital ratio | 21.1114% | 1,583 |
| Memoranda: | ||
| Average total assets | $251,132,500 | 2,561 |
| Average earning assets | $240,397,000 | 2,445 |
| Average equity | $23,643,500 | 2,677 |
| Average total loans | $155,165,000 | 2,629 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3228% | 6,744 |
| Cost of funding earning assets | 1.4280% | 3,083 |
| Net interest margin | 2.8947% | 6,903 |
| Noninterest income to average assets | 0.2242% | 6,201 |
| Noninterest expense to average assets | 1.2776% | 7,524 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.7089% | 506 |
| Return on assets (ROA) | 1.8123% | 437 |
| Pretax return on assets | 1.8123% | 738 |
| Return on Equity (ROE) | 20.0524% | 250 |
| Retained earnings to average equity (ytd only) | 9.2660% | 646 |
| Net charge-offs to loans | 0.0408% | 6,400 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 71.4576% | 339 |
| Efficiency ratio | 42.7796% | 7,445 |
| Assets per employee ($millions) | 7.4358% | 609 |
| Cash dividends to net income (ytd only)* | 53.7911% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3941% | 7,429 |
| Loan loss allowance to noncurrent loans | 156.4433% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.2298% | 6,658 |
| Noncurrent loans to loans | 0.2519% | 6,561 |
| Net loans and leases to total assets | 62.5145% | 4,166 |
| Net loans and leases to deposits | 69.4404% | 4,891 |
| Net loans and leases to core deposits | 71.9246% | 5,222 |
| Total domestic deposits to total assets | 90.0261% | 1,084 |
| Equity capital to assets | 9.4136% | 4,527 |
| Core capital (leverage) ratio | 8.6209% | 5,159 |
| Tier 1 risk-based capital ratio | 20.5348% | 1,398 |
| Total risk-based capital ratio | 21.1231% | 1,484 |
| Memoranda: | ||
| Average total assets | $246,706,800 | 2,579 |
| Average earning assets | $235,427,000 | 2,471 |
| Average equity | $22,296,600 | 2,846 |
| Average total loans | $144,546,000 | 2,857 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4133% | 6,798 |
| Cost of funding earning assets | 1.4890% | 3,044 |
| Net interest margin | 2.9243% | 6,970 |
| Noninterest income to average assets | 0.2278% | 6,270 |
| Noninterest expense to average assets | 1.3293% | 7,623 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.6861% | 641 |
| Return on assets (ROA) | 1.8237% | 519 |
| Pretax return on assets | 1.8237% | 886 |
| Return on Equity (ROE) | 20.3893% | 290 |
| Retained earnings to average equity (ytd only) | 8.0194% | 1,415 |
| Net charge-offs to loans | 0.0506% | 6,016 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 57.8504% | 501 |
| Efficiency ratio | 44.0845% | 7,459 |
| Assets per employee ($millions) | 7.5713% | 608 |
| Cash dividends to net income (ytd only)* | 60.6690% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4079% | 7,529 |
| Loan loss allowance to noncurrent loans | 264.9351% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.1641% | 6,944 |
| Noncurrent loans to loans | 0.1540% | 6,868 |
| Net loans and leases to total assets | 59.8062% | 4,951 |
| Net loans and leases to deposits | 67.5068% | 5,489 |
| Net loans and leases to core deposits | 69.9460% | 5,754 |
| Total domestic deposits to total assets | 88.5928% | 1,630 |
| Equity capital to assets | 9.3011% | 5,138 |
| Core capital (leverage) ratio | 8.1758% | 6,078 |
| Tier 1 risk-based capital ratio | 16.8441% | 2,395 |
| Total risk-based capital ratio | 17.3472% | 2,664 |
| Memoranda: | ||
| Average total assets | $247,038,500 | 2,605 |
| Average earning assets | $235,493,750 | 2,515 |
| Average equity | $22,096,000 | 2,909 |
| Average total loans | $142,181,250 | 2,939 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4653% | 6,770 |
| Cost of funding earning assets | 1.5240% | 3,107 |
| Net interest margin | 2.9413% | 6,951 |
| Noninterest income to average assets | 0.2324% | 6,248 |
| Noninterest expense to average assets | 1.3141% | 7,704 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.7212% | 565 |
| Return on assets (ROA) | 1.7212% | 618 |
| Pretax return on assets | 1.7212% | 1,023 |
| Return on Equity (ROE) | 19.5073% | 355 |
| Retained earnings to average equity (ytd only) | 6.8892% | 1,883 |
| Net charge-offs to loans | 0.0487% | 5,705 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 62.2941% | 498 |
| Efficiency ratio | 43.2932% | 7,543 |
| Assets per employee ($millions) | 7.5909% | 598 |
| Cash dividends to net income (ytd only)* | 64.6837% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4384% | 7,571 |
| Loan loss allowance to noncurrent loans | 72.6437% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 0.4299% | 6,375 |
| Noncurrent loans to loans | 0.6034% | 6,035 |
| Net loans and leases to total assets | 57.3012% | 5,520 |
| Net loans and leases to deposits | 64.1623% | 6,022 |
| Net loans and leases to core deposits | 66.2192% | 6,226 |
| Total domestic deposits to total assets | 89.3066% | 1,278 |
| Equity capital to assets | 9.0594% | 5,351 |
| Core capital (leverage) ratio | 8.0730% | 6,162 |
| Tier 1 risk-based capital ratio | 17.7094% | 2,030 |
| Total risk-based capital ratio | 18.2727% | 2,219 |
| Memoranda: | ||
| Average total assets | $246,100,670 | 2,638 |
| Average earning assets | $234,518,330 | 2,546 |
| Average equity | $21,715,000 | 2,945 |
| Average total loans | $139,562,000 | 3,023 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4707% | 6,853 |
| Cost of funding earning assets | 1.5769% | 3,093 |
| Net interest margin | 2.8938% | 7,028 |
| Noninterest income to average assets | 0.2066% | 6,483 |
| Noninterest expense to average assets | 1.3825% | 7,771 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.5810% | 780 |
| Return on assets (ROA) | 1.5810% | 834 |
| Pretax return on assets | 1.5810% | 1,312 |
| Return on Equity (ROE) | 18.1668% | 500 |
| Retained earnings to average equity (ytd only) | 1.0365% | 5,398 |
| Net charge-offs to loans | 0.0670% | 4,737 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 41.9130% | 660 |
| Efficiency ratio | 46.6519% | 7,513 |
| Assets per employee ($millions) | 7.4738% | 657 |
| Cash dividends to net income (ytd only)* | 94.2946% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4651% | 7,624 |
| Loan loss allowance to noncurrent loans | 141.9426% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.2700% | 6,800 |
| Noncurrent loans to loans | 0.3277% | 6,643 |
| Net loans and leases to total assets | 55.7896% | 5,776 |
| Net loans and leases to deposits | 61.7117% | 6,304 |
| Net loans and leases to core deposits | 63.3919% | 6,498 |
| Total domestic deposits to total assets | 90.4036% | 779 |
| Equity capital to assets | 8.6432% | 5,809 |
| Core capital (leverage) ratio | 7.8503% | 6,435 |
| Tier 1 risk-based capital ratio | 17.1966% | 2,197 |
| Total risk-based capital ratio | 17.7758% | 2,389 |
| Memoranda: | ||
| Average total assets | $243,900,500 | 2,719 |
| Average earning assets | $232,358,500 | 2,619 |
| Average equity | $21,225,500 | 3,042 |
| Average total loans | $137,257,000 | 3,123 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9830% | 6,492 |
| Cost of funding earning assets | 1.9316% | 3,289 |
| Net interest margin | 3.0514% | 6,516 |
| Noninterest income to average assets | 0.2680% | 6,195 |
| Noninterest expense to average assets | 1.3539% | 7,858 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.8017% | 360 |
| Return on assets (ROA) | 1.8807% | 311 |
| Pretax return on assets | 1.8807% | 536 |
| Return on Equity (ROE) | 21.0343% | 197 |
| Retained earnings to average equity (ytd only) | 6.5912% | 1,127 |
| Net charge-offs to loans | 0.0285% | 6,845 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 116.0000% | 245 |
| Efficiency ratio | 42.9054% | 7,803 |
| Assets per employee ($millions) | 7.3081% | 707 |
| Cash dividends to net income (ytd only)* | 68.6645% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4887% | 7,675 |
| Loan loss allowance to noncurrent loans | 120.2166% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.2832% | 6,739 |
| Noncurrent loans to loans | 0.4065% | 6,464 |
| Net loans and leases to total assets | 56.2303% | 5,916 |
| Net loans and leases to deposits | 62.0409% | 6,466 |
| Net loans and leases to core deposits | 71.0497% | 6,708 |
| Total domestic deposits to total assets | 90.6343% | 683 |
| Equity capital to assets | 8.7632% | 5,496 |
| Core capital (leverage) ratio | 8.1470% | 5,917 |
| Tier 1 risk-based capital ratio | 16.3597% | 2,373 |
| Total risk-based capital ratio | 16.9331% | 2,590 |
| Memoranda: | ||
| Average total assets | $225,346,800 | 2,873 |
| Average earning assets | $213,245,600 | 2,790 |
| Average equity | $20,148,000 | 3,171 |
| Average total loans | $122,804,800 | 3,420 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9883% | 6,635 |
| Cost of funding earning assets | 2.0128% | 3,282 |
| Net interest margin | 2.9755% | 6,672 |
| Noninterest income to average assets | 0.2776% | 6,250 |
| Noninterest expense to average assets | 1.4695% | 7,898 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.6224% | 637 |
| Return on assets (ROA) | 1.6592% | 643 |
| Pretax return on assets | 1.6592% | 1,047 |
| Return on Equity (ROE) | 18.4571% | 411 |
| Retained earnings to average equity (ytd only) | 2.5458% | 3,891 |
| Net charge-offs to loans | 0.0112% | 6,781 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 269.4606% | 138 |
| Efficiency ratio | 47.5263% | 7,683 |
| Assets per employee ($millions) | 7.0125% | 792 |
| Cash dividends to net income (ytd only)* | 86.2070% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5453% | 7,651 |
| Loan loss allowance to noncurrent loans | 168.1265% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.2364% | 6,927 |
| Noncurrent loans to loans | 0.3244% | 6,709 |
| Net loans and leases to total assets | 54.4565% | 6,329 |
| Net loans and leases to deposits | 60.5539% | 6,785 |
| Net loans and leases to core deposits | 68.9327% | 7,021 |
| Total domestic deposits to total assets | 89.9306% | 791 |
| Equity capital to assets | 9.0323% | 5,438 |
| Core capital (leverage) ratio | 8.0524% | 6,269 |
| Tier 1 risk-based capital ratio | 16.3203% | 2,508 |
| Total risk-based capital ratio | 16.9395% | 2,677 |
| Memoranda: | ||
| Average total assets | $221,391,750 | 2,942 |
| Average earning assets | $209,392,250 | 2,864 |
| Average equity | $19,901,500 | 3,252 |
| Average total loans | $119,437,250 | 3,523 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9776% | 6,845 |
| Cost of funding earning assets | 2.0692% | 3,428 |
| Net interest margin | 2.9083% | 6,779 |
| Noninterest income to average assets | 0.2742% | 6,308 |
| Noninterest expense to average assets | 1.5235% | 7,961 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.5198% | 804 |
| Return on assets (ROA) | 1.5198% | 858 |
| Pretax return on assets | 1.5198% | 1,390 |
| Return on Equity (ROE) | 16.9358% | 585 |
| Retained earnings to average equity (ytd only) | 0.9914% | 4,781 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0603% | 7,666 |
| Assets per employee ($millions) | 6.9895% | 776 |
| Cash dividends to net income (ytd only)* | 94.1460% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5793% | 7,671 |
| Loan loss allowance to noncurrent loans | 95.3741% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.3800% | 6,508 |
| Noncurrent loans to loans | 0.6074% | 6,046 |
| Net loans and leases to total assets | 53.7914% | 6,483 |
| Net loans and leases to deposits | 59.5846% | 6,921 |
| Net loans and leases to core deposits | 67.2935% | 7,157 |
| Total domestic deposits to total assets | 90.2774% | 718 |
| Equity capital to assets | 8.7681% | 5,645 |
| Core capital (leverage) ratio | 8.0530% | 6,239 |
| Tier 1 risk-based capital ratio | 14.9584% | 3,038 |
| Total risk-based capital ratio | 15.5480% | 3,288 |
| Memoranda: | ||
| Average total assets | $218,051,000 | 3,002 |
| Average earning assets | $207,612,000 | 2,901 |
| Average equity | $19,568,000 | 3,313 |
| Average total loans | $117,012,670 | 3,603 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8802% | 7,215 |
| Cost of funding earning assets | 2.1549% | 3,392 |
| Net interest margin | 2.7253% | 7,147 |
| Noninterest income to average assets | 0.2639% | 6,342 |
| Noninterest expense to average assets | 1.4923% | 7,994 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3640% | 1,221 |
| Return on assets (ROA) | 1.3640% | 1,310 |
| Pretax return on assets | 1.3640% | 2,069 |
| Return on Equity (ROE) | 15.0206% | 975 |
| Retained earnings to average equity (ytd only) | -10.1502% | 7,131 |
| Net charge-offs to loans | -0.0035% | 7,147 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2446% | 7,390 |
| Assets per employee ($millions) | 6.8492% | 830 |
| Cash dividends to net income (ytd only)* | 167.5749% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6027% | 7,652 |
| Loan loss allowance to noncurrent loans | 161.7512% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.2514% | 6,758 |
| Noncurrent loans to loans | 0.3726% | 6,490 |
| Net loans and leases to total assets | 52.8222% | 6,600 |
| Net loans and leases to deposits | 58.8964% | 6,982 |
| Net loans and leases to core deposits | 66.0031% | 7,239 |
| Total domestic deposits to total assets | 89.6867% | 941 |
| Equity capital to assets | 8.9007% | 5,476 |
| Core capital (leverage) ratio | 8.1100% | 6,269 |
| Tier 1 risk-based capital ratio | 15.0547% | 3,040 |
| Total risk-based capital ratio | 15.6644% | 3,278 |
| Memoranda: | ||
| Average total assets | $215,244,500 | 3,050 |
| Average earning assets | $204,745,000 | 2,950 |
| Average equity | $19,546,500 | 3,334 |
| Average total loans | $115,012,500 | 3,674 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4725% | 7,358 |
| Cost of funding earning assets | 2.6988% | 3,164 |
| Net interest margin | 2.7736% | 7,376 |
| Noninterest income to average assets | 0.3100% | 6,235 |
| Noninterest expense to average assets | 1.3234% | 8,110 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.6109% | 820 |
| Return on assets (ROA) | 1.6934% | 658 |
| Pretax return on assets | 1.6934% | 1,159 |
| Return on Equity (ROE) | 18.2823% | 505 |
| Retained earnings to average equity (ytd only) | 4.7379% | 2,188 |
| Net charge-offs to loans | 0.0847% | 5,551 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 34.7368% | 1,049 |
| Efficiency ratio | 45.1006% | 7,970 |
| Assets per employee ($millions) | 6.6036% | 846 |
| Cash dividends to net income (ytd only)* | 74.0848% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6173% | 7,648 |
| Loan loss allowance to noncurrent loans | 191.5301% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.2555% | 6,557 |
| Noncurrent loans to loans | 0.3223% | 6,407 |
| Net loans and leases to total assets | 53.4034% | 6,717 |
| Net loans and leases to deposits | 61.3319% | 6,999 |
| Net loans and leases to core deposits | 67.8870% | 7,297 |
| Total domestic deposits to total assets | 87.0729% | 1,904 |
| Equity capital to assets | 9.2681% | 4,976 |
| Core capital (leverage) ratio | 8.4759% | 5,616 |
| Tier 1 risk-based capital ratio | 16.2685% | 2,562 |
| Total risk-based capital ratio | 16.9151% | 2,719 |
| Memoranda: | ||
| Average total assets | $204,854,200 | 3,074 |
| Average earning assets | $193,824,400 | 2,982 |
| Average equity | $18,974,600 | 3,399 |
| Average total loans | $112,141,200 | 3,635 |