Home > Clear Fork Bank > Performance and Condition Ratios
Clear Fork 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 | 6.3004% | 436 |
| Cost of funding earning assets | 1.7647% | 1,311 |
| Net interest margin | 4.5357% | 578 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.4006% | 2,591 |
| Loan and lease loss provision to assets | 0.4700% | 196 |
| Net operating income to assets | 1.7164% | 713 |
| Return on assets (ROA) | 1.7125% | 687 |
| Pretax return on assets | 1.7125% | 1,042 |
| Return on Equity (ROE) | 16.5800% | 1,004 |
| Retained earnings to average equity (ytd only) | 9.2108% | 1,205 |
| Net charge-offs to loans | -0.0377% | 4,308 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 52.3167% | 3,803 |
| Assets per employee ($millions) | 8.8631% | 1,032 |
| Cash dividends to net income (ytd only)* | 44.4519% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7120% | 641 |
| Loan loss allowance to noncurrent loans | 537.8995% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.2341% | 2,040 |
| Noncurrent loans to loans | 0.3183% | 2,044 |
| Net loans and leases to total assets | 72.2900% | 1,546 |
| Net loans and leases to deposits | 84.1093% | 1,771 |
| Net loans and leases to core deposits | 126.2178% | 480 |
| Total domestic deposits to total assets | 85.9500% | 2,036 |
| Equity capital to assets | 10.2341% | 1,879 |
| Core capital (leverage) ratio | 10.8583% | 2,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $783,599,600 | 1,202 |
| Average earning assets | $741,664,600 | 1,179 |
| Average equity | $80,926,800 | 1,119 |
| Average total loans | $575,103,000 | 1,112 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1692% | 436 |
| Cost of funding earning assets | 1.5929% | 1,384 |
| Net interest margin | 4.5763% | 553 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.3875% | 2,550 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 2.1416% | 409 |
| Return on assets (ROA) | 2.1362% | 405 |
| Pretax return on assets | 2.1362% | 611 |
| Return on Equity (ROE) | 20.6300% | 664 |
| Retained earnings to average equity (ytd only) | 10.6442% | 1,230 |
| Net charge-offs to loans | -0.0338% | 4,278 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 51.5576% | 3,792 |
| Assets per employee ($millions) | 8.4661% | 1,130 |
| Cash dividends to net income (ytd only)* | 48.4133% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2408% | 2,165 |
| Loan loss allowance to noncurrent loans | 366.3704% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.2545% | 1,999 |
| Noncurrent loans to loans | 0.3387% | 2,020 |
| Net loans and leases to total assets | 74.2000% | 1,319 |
| Net loans and leases to deposits | 86.7101% | 1,490 |
| Net loans and leases to core deposits | 135.8561% | 267 |
| Total domestic deposits to total assets | 85.5800% | 2,324 |
| Equity capital to assets | 10.4641% | 1,568 |
| Core capital (leverage) ratio | 11.0841% | 1,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $769,001,250 | 1,210 |
| Average earning assets | $728,399,500 | 1,193 |
| Average equity | $79,616,000 | 1,132 |
| Average total loans | $564,062,000 | 1,126 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9414% | 472 |
| Cost of funding earning assets | 1.3630% | 1,547 |
| Net interest margin | 4.5783% | 550 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.3906% | 2,522 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 2.0538% | 430 |
| Return on assets (ROA) | 2.0456% | 430 |
| Pretax return on assets | 2.0456% | 696 |
| Return on Equity (ROE) | 19.8300% | 729 |
| Retained earnings to average equity (ytd only) | 5.8829% | 2,662 |
| Net charge-offs to loans | -0.0239% | 4,172 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 51.9856% | 3,774 |
| Assets per employee ($millions) | 8.3416% | 1,164 |
| Cash dividends to net income (ytd only)* | 70.3370% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 2,102 |
| Loan loss allowance to noncurrent loans | 266.0145% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.3520% | 1,507 |
| Noncurrent loans to loans | 0.4754% | 1,522 |
| Net loans and leases to total assets | 73.1000% | 1,396 |
| Net loans and leases to deposits | 84.9776% | 1,590 |
| Net loans and leases to core deposits | 124.4963% | 419 |
| Total domestic deposits to total assets | 86.0200% | 2,222 |
| Equity capital to assets | 10.1504% | 1,771 |
| Core capital (leverage) ratio | 10.7561% | 2,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $760,062,333 | 1,225 |
| Average earning assets | $721,048,000 | 1,197 |
| Average equity | $78,396,333 | 1,139 |
| Average total loans | $552,771,000 | 1,130 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4786% | 643 |
| Cost of funding earning assets | 0.7777% | 2,813 |
| Net interest margin | 4.7008% | 439 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.3197% | 2,764 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.3860% | 286 |
| Return on assets (ROA) | 2.3694% | 287 |
| Pretax return on assets | 2.3694% | 431 |
| Return on Equity (ROE) | 22.7800% | 523 |
| Retained earnings to average equity (ytd only) | -0.2211% | 4,054 |
| Net charge-offs to loans | 0.0156% | 1,386 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 212.4762% | 492 |
| Efficiency ratio | 49.2955% | 3,996 |
| Assets per employee ($millions) | 8.9842% | 938 |
| Cash dividends to net income (ytd only)* | 100.9704% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1875% | 2,622 |
| Loan loss allowance to noncurrent loans | 141.9842% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 0.5941% | 862 |
| Noncurrent loans to loans | 0.8364% | 915 |
| Net loans and leases to total assets | 70.1900% | 1,605 |
| Net loans and leases to deposits | 81.2059% | 1,728 |
| Net loans and leases to core deposits | 112.9480% | 616 |
| Total domestic deposits to total assets | 86.4300% | 2,462 |
| Equity capital to assets | 9.9009% | 1,869 |
| Core capital (leverage) ratio | 11.1885% | 1,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $748,036,000 | 1,256 |
| Average earning assets | $710,260,000 | 1,223 |
| Average equity | $77,799,000 | 1,155 |
| Average total loans | $538,905,000 | 1,164 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4934% | 731 |
| Cost of funding earning assets | 0.2972% | 2,902 |
| Net interest margin | 4.1962% | 541 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 2.2719% | 2,829 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.0066% | 295 |
| Return on assets (ROA) | 2.0066% | 284 |
| Pretax return on assets | 2.0066% | 474 |
| Return on Equity (ROE) | 18.7400% | 606 |
| Retained earnings to average equity (ytd only) | 10.0422% | 1,133 |
| Net charge-offs to loans | 0.2258% | 355 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 13.3522% | 2,073 |
| Efficiency ratio | 53.0996% | 3,870 |
| Assets per employee ($millions) | 8.0167% | 1,313 |
| Cash dividends to net income (ytd only)* | 46.4098% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2960% | 1,914 |
| Loan loss allowance to noncurrent loans | 144.0879% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.6581% | 754 |
| Noncurrent loans to loans | 0.8994% | 825 |
| Net loans and leases to total assets | 72.2300% | 1,390 |
| Net loans and leases to deposits | 81.6291% | 1,648 |
| Net loans and leases to core deposits | 97.9662% | 1,102 |
| Total domestic deposits to total assets | 88.4800% | 1,894 |
| Equity capital to assets | 10.9603% | 1,273 |
| Core capital (leverage) ratio | 11.2520% | 1,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $693,347,400 | 1,317 |
| Average earning assets | $664,820,800 | 1,282 |
| Average equity | $74,247,000 | 1,196 |
| Average total loans | $461,385,600 | 1,253 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1298% | 1,010 |
| Cost of funding earning assets | 0.2775% | 2,411 |
| Net interest margin | 3.8523% | 877 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 2.0726% | 3,290 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.9113% | 341 |
| Return on assets (ROA) | 1.9113% | 337 |
| Pretax return on assets | 1.9113% | 567 |
| Return on Equity (ROE) | 17.9600% | 647 |
| Retained earnings to average equity (ytd only) | 6.2402% | 2,660 |
| Net charge-offs to loans | 0.4369% | 144 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 6.7457% | 2,097 |
| Efficiency ratio | 52.0240% | 4,004 |
| Assets per employee ($millions) | 7.9780% | 1,341 |
| Cash dividends to net income (ytd only)* | 65.2486% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3045% | 2,006 |
| Loan loss allowance to noncurrent loans | 66.3947% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 1.3595% | 271 |
| Noncurrent loans to loans | 1.9647% | 307 |
| Net loans and leases to total assets | 68.2900% | 1,644 |
| Net loans and leases to deposits | 76.6996% | 1,819 |
| Net loans and leases to core deposits | 92.2664% | 1,167 |
| Total domestic deposits to total assets | 89.0400% | 2,075 |
| Equity capital to assets | 10.4727% | 1,383 |
| Core capital (leverage) ratio | 10.8915% | 1,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $690,317,750 | 1,327 |
| Average earning assets | $662,545,000 | 1,293 |
| Average equity | $73,478,500 | 1,217 |
| Average total loans | $447,678,750 | 1,269 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8323% | 1,243 |
| Cost of funding earning assets | 0.2679% | 2,051 |
| Net interest margin | 3.5644% | 1,147 |
| Noninterest income to average assets | 0.2847% | 3,468 |
| Noninterest expense to average assets | 1.9592% | 3,553 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.7514% | 378 |
| Return on assets (ROA) | 1.7514% | 372 |
| Pretax return on assets | 1.7514% | 676 |
| Return on Equity (ROE) | 16.3653% | 652 |
| Retained earnings to average equity (ytd only) | 0.2034% | 4,149 |
| Net charge-offs to loans | 0.0188% | 1,359 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 147.1707% | 655 |
| Efficiency ratio | 52.8004% | 4,065 |
| Assets per employee ($millions) | 8.3358% | 1,141 |
| Cash dividends to net income (ytd only)* | 98.7570% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7087% | 945 |
| Loan loss allowance to noncurrent loans | 68.3159% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 1.6078% | 211 |
| Noncurrent loans to loans | 2.5012% | 227 |
| Net loans and leases to total assets | 63.1822% | 1,996 |
| Net loans and leases to deposits | 70.7801% | 2,130 |
| Net loans and leases to core deposits | 90.0572% | 1,115 |
| Total domestic deposits to total assets | 89.2655% | 2,063 |
| Equity capital to assets | 10.3079% | 1,531 |
| Core capital (leverage) ratio | 10.1182% | 2,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $689,060,333 | 1,332 |
| Average earning assets | $662,270,667 | 1,306 |
| Average equity | $73,741,333 | 1,244 |
| Average total loans | $436,816,667 | 1,285 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6828% | 1,310 |
| Cost of funding earning assets | 0.2732% | 1,897 |
| Net interest margin | 3.4096% | 1,282 |
| Noninterest income to average assets | 0.2821% | 3,442 |
| Noninterest expense to average assets | 1.9131% | 3,652 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.6416% | 464 |
| Return on assets (ROA) | 1.6416% | 464 |
| Pretax return on assets | 1.6416% | 770 |
| Return on Equity (ROE) | 15.0557% | 644 |
| Retained earnings to average equity (ytd only) | -11.5990% | 4,592 |
| Net charge-offs to loans | -0.0511% | 4,263 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8196% | 4,066 |
| Assets per employee ($millions) | 8.6315% | 1,050 |
| Cash dividends to net income (ytd only)* | 177.0410% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7846% | 904 |
| Loan loss allowance to noncurrent loans | 93.5938% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 1.1755% | 374 |
| Noncurrent loans to loans | 1.9068% | 389 |
| Net loans and leases to total assets | 60.5484% | 2,007 |
| Net loans and leases to deposits | 67.6877% | 2,189 |
| Net loans and leases to core deposits | 86.6049% | 1,098 |
| Total domestic deposits to total assets | 89.4526% | 1,840 |
| Equity capital to assets | 10.1566% | 1,786 |
| Core capital (leverage) ratio | 9.4158% | 2,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $683,485,500 | 1,349 |
| Average earning assets | $656,024,000 | 1,317 |
| Average equity | $74,523,500 | 1,265 |
| Average total loans | $430,175,500 | 1,294 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2362% | 935 |
| Cost of funding earning assets | 0.3380% | 2,042 |
| Net interest margin | 3.8983% | 857 |
| Noninterest income to average assets | 0.2976% | 3,619 |
| Noninterest expense to average assets | 1.8787% | 3,975 |
| Loan and lease loss provision to assets | 0.5503% | 96 |
| Net operating income to assets | 1.6027% | 801 |
| Return on assets (ROA) | 1.6027% | 834 |
| Pretax return on assets | 1.6027% | 1,414 |
| Return on Equity (ROE) | 13.4931% | 1,309 |
| Retained earnings to average equity (ytd only) | 4.2718% | 3,101 |
| Net charge-offs to loans | 1.8013% | 28 |
| Credit loss provision to net charge-offs | 45.4133% | 2,165 |
| Earnings coverage of net charge-offs (x) | 1.7767% | 2,604 |
| Efficiency ratio | 46.5972% | 4,472 |
| Assets per employee ($millions) | 8.4511% | 1,101 |
| Cash dividends to net income (ytd only)* | 68.3410% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8235% | 824 |
| Loan loss allowance to noncurrent loans | 87.5057% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 1.3404% | 333 |
| Noncurrent loans to loans | 2.0839% | 370 |
| Net loans and leases to total assets | 63.1505% | 1,801 |
| Net loans and leases to deposits | 71.9857% | 1,912 |
| Net loans and leases to core deposits | 94.8231% | 739 |
| Total domestic deposits to total assets | 87.7265% | 2,179 |
| Equity capital to assets | 11.7054% | 1,391 |
| Core capital (leverage) ratio | 10.4830% | 1,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $635,984,000 | 1,388 |
| Average earning assets | $609,195,600 | 1,358 |
| Average equity | $75,542,200 | 1,268 |
| Average total loans | $427,862,200 | 1,305 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3343% | 903 |
| Cost of funding earning assets | 0.3385% | 2,214 |
| Net interest margin | 3.9958% | 803 |
| Noninterest income to average assets | 0.3049% | 3,610 |
| Noninterest expense to average assets | 1.6230% | 4,440 |
| Loan and lease loss provision to assets | 0.7406% | 62 |
| Net operating income to assets | 1.7702% | 708 |
| Return on assets (ROA) | 1.7702% | 744 |
| Pretax return on assets | 1.7702% | 1,236 |
| Return on Equity (ROE) | 14.8470% | 1,174 |
| Retained earnings to average equity (ytd only) | 2.6635% | 4,013 |
| Net charge-offs to loans | 2.5219% | 17 |
| Credit loss provision to net charge-offs | 43.1513% | 1,896 |
| Earnings coverage of net charge-offs (x) | 1.4631% | 2,376 |
| Efficiency ratio | 39.2620% | 4,742 |
| Assets per employee ($millions) | 9.1439% | 850 |
| Cash dividends to net income (ytd only)* | 82.0605% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6960% | 1,118 |
| Loan loss allowance to noncurrent loans | 76.2142% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 1.4020% | 373 |
| Noncurrent loans to loans | 2.2253% | 369 |
| Net loans and leases to total assets | 61.9353% | 2,013 |
| Net loans and leases to deposits | 70.1889% | 2,222 |
| Net loans and leases to core deposits | 92.6586% | 890 |
| Total domestic deposits to total assets | 88.2410% | 1,697 |
| Equity capital to assets | 11.0889% | 1,951 |
| Core capital (leverage) ratio | 10.0755% | 2,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $630,184,000 | 1,415 |
| Average earning assets | $603,855,000 | 1,383 |
| Average equity | $75,137,750 | 1,288 |
| Average total loans | $428,825,250 | 1,327 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5946% | 634 |
| Cost of funding earning assets | 0.3614% | 2,219 |
| Net interest margin | 4.2332% | 553 |
| Noninterest income to average assets | 0.2982% | 3,645 |
| Noninterest expense to average assets | 1.6644% | 4,415 |
| Loan and lease loss provision to assets | 0.6540% | 66 |
| Net operating income to assets | 2.0325% | 464 |
| Return on assets (ROA) | 2.0325% | 488 |
| Pretax return on assets | 2.0325% | 784 |
| Return on Equity (ROE) | 16.6126% | 837 |
| Retained earnings to average equity (ytd only) | -0.4116% | 4,555 |
| Net charge-offs to loans | 2.5118% | 24 |
| Credit loss provision to net charge-offs | 37.2301% | 1,673 |
| Earnings coverage of net charge-offs (x) | 1.5294% | 2,168 |
| Efficiency ratio | 38.2534% | 4,798 |
| Assets per employee ($millions) | 8.0161% | 1,203 |
| Cash dividends to net income (ytd only)* | 102.4775% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9398% | 684 |
| Loan loss allowance to noncurrent loans | 62.1067% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 2.2388% | 170 |
| Noncurrent loans to loans | 3.1233% | 227 |
| Net loans and leases to total assets | 70.1646% | 1,173 |
| Net loans and leases to deposits | 80.4592% | 1,390 |
| Net loans and leases to core deposits | 109.1786% | 384 |
| Total domestic deposits to total assets | 87.2051% | 2,217 |
| Equity capital to assets | 12.1206% | 1,311 |
| Core capital (leverage) ratio | 10.2071% | 2,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $611,646,667 | 1,441 |
| Average earning assets | $585,555,667 | 1,413 |
| Average equity | $74,834,667 | 1,286 |
| Average total loans | $427,741,000 | 1,332 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9015% | 412 |
| Cost of funding earning assets | 0.3600% | 2,445 |
| Net interest margin | 4.5415% | 334 |
| Noninterest income to average assets | 0.2628% | 3,820 |
| Noninterest expense to average assets | 1.6010% | 4,532 |
| Loan and lease loss provision to assets | 0.6570% | 84 |
| Net operating income to assets | 2.3645% | 334 |
| Return on assets (ROA) | 2.3645% | 356 |
| Pretax return on assets | 2.3645% | 547 |
| Return on Equity (ROE) | 19.2343% | 600 |
| Retained earnings to average equity (ytd only) | -7.1881% | 4,754 |
| Net charge-offs to loans | 0.3948% | 209 |
| Credit loss provision to net charge-offs | 240.3846% | 831 |
| Earnings coverage of net charge-offs (x) | 11.0553% | 1,472 |
| Efficiency ratio | 34.6362% | 4,866 |
| Assets per employee ($millions) | 8.0794% | 1,166 |
| Cash dividends to net income (ytd only)* | 137.3715% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9049% | 164 |
| Loan loss allowance to noncurrent loans | 94.0024% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 2.1792% | 215 |
| Noncurrent loans to loans | 3.0902% | 246 |
| Net loans and leases to total assets | 68.1690% | 1,509 |
| Net loans and leases to deposits | 78.0314% | 1,712 |
| Net loans and leases to core deposits | 108.9694% | 441 |
| Total domestic deposits to total assets | 87.3610% | 2,153 |
| Equity capital to assets | 12.0069% | 1,278 |
| Core capital (leverage) ratio | 11.1604% | 1,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $608,850,500 | 1,433 |
| Average earning assets | $584,475,500 | 1,399 |
| Average equity | $74,845,500 | 1,279 |
| Average total loans | $421,458,500 | 1,357 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0107% | 475 |
| Cost of funding earning assets | 0.6708% | 1,872 |
| Net interest margin | 4.3399% | 467 |
| Noninterest income to average assets | 0.2524% | 3,971 |
| Noninterest expense to average assets | 1.9084% | 4,311 |
| Loan and lease loss provision to assets | 0.7376% | 197 |
| Net operating income to assets | 1.7935% | 394 |
| Return on assets (ROA) | 1.8293% | 392 |
| Pretax return on assets | 1.8293% | 642 |
| Return on Equity (ROE) | 14.6256% | 699 |
| Retained earnings to average equity (ytd only) | 4.6472% | 2,454 |
| Net charge-offs to loans | -0.0051% | 4,139 |
| Credit loss provision to net charge-offs | -20,238.0952% | 4,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9867% | 4,815 |
| Assets per employee ($millions) | 7.8398% | 1,102 |
| Cash dividends to net income (ytd only)* | 68.2258% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8991% | 158 |
| Loan loss allowance to noncurrent loans | 141.6420% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 1.3963% | 553 |
| Noncurrent loans to loans | 2.0468% | 549 |
| Net loans and leases to total assets | 66.2408% | 2,067 |
| Net loans and leases to deposits | 76.3756% | 2,243 |
| Net loans and leases to core deposits | 106.6505% | 618 |
| Total domestic deposits to total assets | 86.7304% | 2,065 |
| Equity capital to assets | 12.5838% | 1,278 |
| Core capital (leverage) ratio | 11.9764% | 1,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $576,179,400 | 1,380 |
| Average earning assets | $555,913,200 | 1,333 |
| Average equity | $72,065,400 | 1,267 |
| Average total loans | $409,076,200 | 1,328 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2606% | 371 |
| Cost of funding earning assets | 0.7589% | 1,685 |
| Net interest margin | 4.5018% | 370 |
| Noninterest income to average assets | 0.2686% | 3,860 |
| Noninterest expense to average assets | 1.7984% | 4,505 |
| Loan and lease loss provision to assets | 0.9954% | 142 |
| Net operating income to assets | 1.8249% | 428 |
| Return on assets (ROA) | 1.8731% | 433 |
| Pretax return on assets | 1.8731% | 675 |
| Return on Equity (ROE) | 15.0002% | 687 |
| Retained earnings to average equity (ytd only) | 1.5135% | 4,078 |
| Net charge-offs to loans | 0.0542% | 1,830 |
| Credit loss provision to net charge-offs | 2,560.2410% | 396 |
| Earnings coverage of net charge-offs (x) | 72.5422% | 970 |
| Efficiency ratio | 38.9382% | 4,918 |
| Assets per employee ($millions) | 7.6292% | 1,152 |
| Cash dividends to net income (ytd only)* | 89.9100% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8234% | 163 |
| Loan loss allowance to noncurrent loans | 150.3582% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 1.3305% | 692 |
| Noncurrent loans to loans | 1.8778% | 678 |
| Net loans and leases to total assets | 68.8540% | 2,134 |
| Net loans and leases to deposits | 80.1691% | 2,297 |
| Net loans and leases to core deposits | 114.2711% | 542 |
| Total domestic deposits to total assets | 85.8860% | 2,122 |
| Equity capital to assets | 12.5410% | 1,404 |
| Core capital (leverage) ratio | 11.5934% | 1,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $569,308,250 | 1,371 |
| Average earning assets | $550,111,500 | 1,326 |
| Average equity | $71,090,750 | 1,265 |
| Average total loans | $408,392,500 | 1,321 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5883% | 281 |
| Cost of funding earning assets | 0.8611% | 1,538 |
| Net interest margin | 4.7271% | 318 |
| Noninterest income to average assets | 0.2741% | 3,835 |
| Noninterest expense to average assets | 1.8261% | 4,523 |
| Loan and lease loss provision to assets | 0.9765% | 219 |
| Net operating income to assets | 2.0403% | 305 |
| Return on assets (ROA) | 2.1134% | 285 |
| Pretax return on assets | 2.1134% | 425 |
| Return on Equity (ROE) | 16.9499% | 459 |
| Retained earnings to average equity (ytd only) | -1.8197% | 4,572 |
| Net charge-offs to loans | 0.0863% | 1,385 |
| Credit loss provision to net charge-offs | 1,571.4286% | 582 |
| Earnings coverage of net charge-offs (x) | 48.5486% | 1,120 |
| Efficiency ratio | 37.7080% | 4,958 |
| Assets per employee ($millions) | 7.4646% | 1,199 |
| Cash dividends to net income (ytd only)* | 110.7359% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4661% | 235 |
| Loan loss allowance to noncurrent loans | 131.7936% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 1.3522% | 743 |
| Noncurrent loans to loans | 1.8712% | 737 |
| Net loans and leases to total assets | 70.4814% | 1,954 |
| Net loans and leases to deposits | 86.5711% | 1,707 |
| Net loans and leases to core deposits | 114.9447% | 565 |
| Total domestic deposits to total assets | 81.4145% | 3,520 |
| Equity capital to assets | 12.5892% | 1,342 |
| Core capital (leverage) ratio | 11.3677% | 1,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $563,262,000 | 1,366 |
| Average earning assets | $544,388,667 | 1,321 |
| Average equity | $70,230,333 | 1,263 |
| Average total loans | $405,779,000 | 1,307 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3981% | 464 |
| Cost of funding earning assets | 0.9652% | 1,583 |
| Net interest margin | 4.4329% | 584 |
| Noninterest income to average assets | 0.2935% | 3,768 |
| Noninterest expense to average assets | 1.8167% | 4,645 |
| Loan and lease loss provision to assets | 0.7175% | 362 |
| Net operating income to assets | 2.0463% | 250 |
| Return on assets (ROA) | 2.1941% | 202 |
| Pretax return on assets | 2.1941% | 298 |
| Return on Equity (ROE) | 17.6851% | 293 |
| Retained earnings to average equity (ytd only) | -14.6547% | 4,887 |
| Net charge-offs to loans | -0.0519% | 4,646 |
| Credit loss provision to net charge-offs | -1,923.0769% | 3,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6617% | 4,983 |
| Assets per employee ($millions) | 7.2110% | 999 |
| Cash dividends to net income (ytd only)* | 182.8646% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1779% | 391 |
| Loan loss allowance to noncurrent loans | 256.3952% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.6206% | 2,151 |
| Noncurrent loans to loans | 0.8494% | 1,919 |
| Net loans and leases to total assets | 71.4655% | 2,007 |
| Net loans and leases to deposits | 83.8397% | 2,255 |
| Net loans and leases to core deposits | 115.1008% | 622 |
| Total domestic deposits to total assets | 85.2406% | 2,314 |
| Equity capital to assets | 12.1583% | 1,953 |
| Core capital (leverage) ratio | 11.5998% | 1,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $557,504,500 | 1,340 |
| Average earning assets | $539,156,500 | 1,293 |
| Average equity | $69,165,500 | 1,273 |
| Average total loans | $400,991,500 | 1,292 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3481% | 751 |
| Cost of funding earning assets | 1.0400% | 1,558 |
| Net interest margin | 4.3080% | 1,076 |
| Noninterest income to average assets | 0.3004% | 3,888 |
| Noninterest expense to average assets | 1.9889% | 4,551 |
| Loan and lease loss provision to assets | 0.5106% | 252 |
| Net operating income to assets | 1.9727% | 382 |
| Return on assets (ROA) | 1.9727% | 395 |
| Pretax return on assets | 1.9727% | 635 |
| Return on Equity (ROE) | 17.0204% | 417 |
| Retained earnings to average equity (ytd only) | 7.3339% | 1,240 |
| Net charge-offs to loans | 0.3829% | 510 |
| Credit loss provision to net charge-offs | 193.7984% | 1,365 |
| Earnings coverage of net charge-offs (x) | 9.4251% | 2,665 |
| Efficiency ratio | 44.4719% | 4,961 |
| Assets per employee ($millions) | 7.4601% | 878 |
| Cash dividends to net income (ytd only)* | 56.9111% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9093% | 540 |
| Loan loss allowance to noncurrent loans | 271.0498% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.4990% | 2,417 |
| Noncurrent loans to loans | 0.7044% | 2,115 |
| Net loans and leases to total assets | 69.4810% | 2,479 |
| Net loans and leases to deposits | 81.1569% | 2,648 |
| Net loans and leases to core deposits | 109.8977% | 857 |
| Total domestic deposits to total assets | 85.6132% | 2,231 |
| Equity capital to assets | 12.6460% | 1,737 |
| Core capital (leverage) ratio | 11.7231% | 1,942 |
| Tier 1 risk-based capital ratio | 15.3969% | 2,621 |
| Total risk-based capital ratio | 16.6531% | 2,548 |
| Memoranda: | ||
| Average total assets | $587,517,000 | 1,239 |
| Average earning assets | $568,935,400 | 1,202 |
| Average equity | $68,094,600 | 1,241 |
| Average total loans | $404,261,600 | 1,255 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3562% | 768 |
| Cost of funding earning assets | 1.0298% | 1,626 |
| Net interest margin | 4.3264% | 1,112 |
| Noninterest income to average assets | 0.3037% | 3,923 |
| Noninterest expense to average assets | 1.7946% | 4,823 |
| Loan and lease loss provision to assets | 0.4499% | 280 |
| Net operating income to assets | 2.2488% | 248 |
| Return on assets (ROA) | 2.2488% | 259 |
| Pretax return on assets | 2.2488% | 411 |
| Return on Equity (ROE) | 19.8348% | 261 |
| Retained earnings to average equity (ytd only) | 6.7465% | 1,984 |
| Net charge-offs to loans | 0.3398% | 502 |
| Credit loss provision to net charge-offs | 193.7984% | 1,354 |
| Earnings coverage of net charge-offs (x) | 11.6240% | 2,430 |
| Efficiency ratio | 39.9389% | 5,127 |
| Assets per employee ($millions) | 7.8380% | 733 |
| Cash dividends to net income (ytd only)* | 65.9864% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8229% | 650 |
| Loan loss allowance to noncurrent loans | 299.4581% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.4721% | 2,641 |
| Noncurrent loans to loans | 0.6087% | 2,457 |
| Net loans and leases to total assets | 64.1090% | 3,276 |
| Net loans and leases to deposits | 73.9428% | 3,480 |
| Net loans and leases to core deposits | 109.1027% | 990 |
| Total domestic deposits to total assets | 86.7008% | 1,680 |
| Equity capital to assets | 11.6862% | 2,518 |
| Core capital (leverage) ratio | 10.8493% | 2,787 |
| Tier 1 risk-based capital ratio | 14.8956% | 2,902 |
| Total risk-based capital ratio | 16.1503% | 2,828 |
| Memoranda: | ||
| Average total assets | $592,653,500 | 1,239 |
| Average earning assets | $573,920,500 | 1,199 |
| Average equity | $67,193,500 | 1,256 |
| Average total loans | $404,925,750 | 1,264 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3530% | 732 |
| Cost of funding earning assets | 0.9683% | 1,834 |
| Net interest margin | 4.3848% | 967 |
| Noninterest income to average assets | 0.3032% | 3,904 |
| Noninterest expense to average assets | 1.8369% | 4,831 |
| Loan and lease loss provision to assets | 0.6791% | 159 |
| Net operating income to assets | 2.0325% | 367 |
| Return on assets (ROA) | 2.0325% | 386 |
| Pretax return on assets | 2.0325% | 640 |
| Return on Equity (ROE) | 18.1170% | 377 |
| Retained earnings to average equity (ytd only) | -0.0303% | 4,684 |
| Net charge-offs to loans | 0.4475% | 362 |
| Credit loss provision to net charge-offs | 218.8184% | 1,139 |
| Earnings coverage of net charge-offs (x) | 8.7374% | 2,389 |
| Efficiency ratio | 40.3852% | 5,153 |
| Assets per employee ($millions) | 7.5003% | 812 |
| Cash dividends to net income (ytd only)* | 100.1671% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8185% | 658 |
| Loan loss allowance to noncurrent loans | 332.5137% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.4523% | 2,708 |
| Noncurrent loans to loans | 0.5469% | 2,630 |
| Net loans and leases to total assets | 67.3904% | 2,907 |
| Net loans and leases to deposits | 77.5650% | 3,183 |
| Net loans and leases to core deposits | 113.2184% | 809 |
| Total domestic deposits to total assets | 86.8825% | 1,647 |
| Equity capital to assets | 11.4927% | 2,611 |
| Core capital (leverage) ratio | 10.7830% | 2,807 |
| Tier 1 risk-based capital ratio | 13.9317% | 3,354 |
| Total risk-based capital ratio | 15.1865% | 3,260 |
| Memoranda: | ||
| Average total assets | $589,030,000 | 1,246 |
| Average earning assets | $570,294,670 | 1,205 |
| Average equity | $66,081,670 | 1,274 |
| Average total loans | $408,535,330 | 1,256 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2276% | 860 |
| Cost of funding earning assets | 0.8973% | 2,019 |
| Net interest margin | 4.3304% | 1,042 |
| Noninterest income to average assets | 0.3012% | 3,872 |
| Noninterest expense to average assets | 1.7698% | 4,952 |
| Loan and lease loss provision to assets | 0.4061% | 280 |
| Net operating income to assets | 2.3159% | 218 |
| Return on assets (ROA) | 2.3159% | 228 |
| Pretax return on assets | 2.3159% | 350 |
| Return on Equity (ROE) | 20.8961% | 214 |
| Retained earnings to average equity (ytd only) | -9.6176% | 5,094 |
| Net charge-offs to loans | 0.0068% | 2,450 |
| Credit loss provision to net charge-offs | 8,571.4286% | 33 |
| Earnings coverage of net charge-offs (x) | 574.5714% | 128 |
| Efficiency ratio | 39.4003% | 5,218 |
| Assets per employee ($millions) | 7.4655% | 831 |
| Cash dividends to net income (ytd only)* | 146.0257% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6540% | 954 |
| Loan loss allowance to noncurrent loans | 195.3242% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.6674% | 2,098 |
| Noncurrent loans to loans | 0.8468% | 1,941 |
| Net loans and leases to total assets | 68.6468% | 2,670 |
| Net loans and leases to deposits | 78.5903% | 2,996 |
| Net loans and leases to core deposits | 108.9332% | 989 |
| Total domestic deposits to total assets | 87.3477% | 1,645 |
| Equity capital to assets | 11.0507% | 2,798 |
| Core capital (leverage) ratio | 10.5060% | 3,043 |
| Tier 1 risk-based capital ratio | 13.3433% | 3,698 |
| Total risk-based capital ratio | 14.5965% | 3,604 |
| Memoranda: | ||
| Average total assets | $591,034,500 | 1,246 |
| Average earning assets | $571,960,500 | 1,203 |
| Average equity | $65,505,000 | 1,274 |
| Average total loans | $412,028,000 | 1,255 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0658% | 916 |
| Cost of funding earning assets | 0.6457% | 2,423 |
| Net interest margin | 4.4201% | 893 |
| Noninterest income to average assets | 0.2866% | 4,186 |
| Noninterest expense to average assets | 1.9503% | 4,824 |
| Loan and lease loss provision to assets | 0.9215% | 100 |
| Net operating income to assets | 1.6946% | 706 |
| Return on assets (ROA) | 1.6946% | 700 |
| Pretax return on assets | 1.6946% | 1,180 |
| Return on Equity (ROE) | 15.0728% | 813 |
| Retained earnings to average equity (ytd only) | 6.0220% | 2,182 |
| Net charge-offs to loans | 1.1287% | 123 |
| Credit loss provision to net charge-offs | 125.0596% | 2,098 |
| Earnings coverage of net charge-offs (x) | 3.5503% | 3,397 |
| Efficiency ratio | 42.7100% | 5,220 |
| Assets per employee ($millions) | 7.5935% | 764 |
| Cash dividends to net income (ytd only)* | 60.0476% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5073% | 1,267 |
| Loan loss allowance to noncurrent loans | 217.0391% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.5595% | 2,373 |
| Noncurrent loans to loans | 0.6945% | 2,252 |
| Net loans and leases to total assets | 68.5756% | 2,795 |
| Net loans and leases to deposits | 78.6245% | 3,091 |
| Net loans and leases to core deposits | 101.9559% | 1,581 |
| Total domestic deposits to total assets | 87.2192% | 1,676 |
| Equity capital to assets | 11.1154% | 2,583 |
| Core capital (leverage) ratio | 10.5345% | 2,984 |
| Tier 1 risk-based capital ratio | 13.9455% | 3,316 |
| Total risk-based capital ratio | 15.1973% | 3,241 |
| Memoranda: | ||
| Average total assets | $569,703,000 | 1,248 |
| Average earning assets | $551,617,600 | 1,212 |
| Average equity | $64,049,000 | 1,252 |
| Average total loans | $371,927,200 | 1,331 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9674% | 1,001 |
| Cost of funding earning assets | 0.5820% | 2,616 |
| Net interest margin | 4.3854% | 930 |
| Noninterest income to average assets | 0.2787% | 4,284 |
| Noninterest expense to average assets | 1.8487% | 4,980 |
| Loan and lease loss provision to assets | 1.0637% | 76 |
| Net operating income to assets | 1.6140% | 939 |
| Return on assets (ROA) | 1.6140% | 942 |
| Pretax return on assets | 1.6140% | 1,532 |
| Return on Equity (ROE) | 14.3136% | 1,034 |
| Retained earnings to average equity (ytd only) | 2.1613% | 4,517 |
| Net charge-offs to loans | 0.9902% | 140 |
| Credit loss provision to net charge-offs | 167.4730% | 1,588 |
| Earnings coverage of net charge-offs (x) | 4.2159% | 3,087 |
| Efficiency ratio | 40.8429% | 5,310 |
| Assets per employee ($millions) | 7.6577% | 725 |
| Cash dividends to net income (ytd only)* | 84.9004% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7737% | 761 |
| Loan loss allowance to noncurrent loans | 146.2070% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.8743% | 1,689 |
| Noncurrent loans to loans | 1.2131% | 1,391 |
| Net loans and leases to total assets | 64.6887% | 3,346 |
| Net loans and leases to deposits | 74.4563% | 3,554 |
| Net loans and leases to core deposits | 99.5566% | 1,827 |
| Total domestic deposits to total assets | 86.8814% | 1,785 |
| Equity capital to assets | 10.5480% | 3,096 |
| Core capital (leverage) ratio | 10.2926% | 3,299 |
| Tier 1 risk-based capital ratio | 13.3160% | 3,723 |
| Total risk-based capital ratio | 14.5699% | 3,644 |
| Memoranda: | ||
| Average total assets | $564,055,000 | 1,264 |
| Average earning assets | $546,347,000 | 1,225 |
| Average equity | $63,602,250 | 1,257 |
| Average total loans | $361,812,500 | 1,356 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9172% | 980 |
| Cost of funding earning assets | 0.4907% | 3,081 |
| Net interest margin | 4.4265% | 803 |
| Noninterest income to average assets | 0.2760% | 4,343 |
| Noninterest expense to average assets | 1.8938% | 4,968 |
| Loan and lease loss provision to assets | 1.4467% | 49 |
| Net operating income to assets | 1.2228% | 2,087 |
| Return on assets (ROA) | 1.2228% | 2,085 |
| Pretax return on assets | 1.2228% | 2,861 |
| Return on Equity (ROE) | 10.5984% | 2,281 |
| Retained earnings to average equity (ytd only) | -6.0092% | 5,328 |
| Net charge-offs to loans | 0.4589% | 334 |
| Credit loss provision to net charge-offs | 496.2779% | 720 |
| Earnings coverage of net charge-offs (x) | 9.1576% | 2,415 |
| Efficiency ratio | 41.4996% | 5,363 |
| Assets per employee ($millions) | 7.3725% | 802 |
| Cash dividends to net income (ytd only)* | 156.6992% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2026% | 369 |
| Loan loss allowance to noncurrent loans | 251.8228% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.7027% | 2,126 |
| Noncurrent loans to loans | 0.8747% | 1,980 |
| Net loans and leases to total assets | 65.3703% | 3,232 |
| Net loans and leases to deposits | 75.4967% | 3,391 |
| Net loans and leases to core deposits | 96.8841% | 1,974 |
| Total domestic deposits to total assets | 86.5870% | 2,020 |
| Equity capital to assets | 10.8525% | 2,780 |
| Core capital (leverage) ratio | 10.1684% | 3,399 |
| Tier 1 risk-based capital ratio | 13.0979% | 3,852 |
| Total risk-based capital ratio | 14.3566% | 3,759 |
| Memoranda: | ||
| Average total assets | $552,973,670 | 1,286 |
| Average earning assets | $535,594,670 | 1,248 |
| Average equity | $63,802,000 | 1,253 |
| Average total loans | $351,296,000 | 1,396 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8245% | 1,020 |
| Cost of funding earning assets | 0.4594% | 3,136 |
| Net interest margin | 4.3650% | 826 |
| Noninterest income to average assets | 0.2727% | 4,347 |
| Noninterest expense to average assets | 1.9127% | 5,004 |
| Loan and lease loss provision to assets | 0.7331% | 128 |
| Net operating income to assets | 1.8548% | 507 |
| Return on assets (ROA) | 1.8548% | 507 |
| Pretax return on assets | 1.8548% | 813 |
| Return on Equity (ROE) | 15.5935% | 689 |
| Retained earnings to average equity (ytd only) | -10.8969% | 5,390 |
| Net charge-offs to loans | 1.0320% | 139 |
| Credit loss provision to net charge-offs | 114.9425% | 1,418 |
| Earnings coverage of net charge-offs (x) | 4.0575% | 2,337 |
| Efficiency ratio | 42.4988% | 5,386 |
| Assets per employee ($millions) | 7.4053% | 804 |
| Cash dividends to net income (ytd only)* | 169.8814% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5308% | 1,346 |
| Loan loss allowance to noncurrent loans | 231.8879% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.5256% | 2,772 |
| Noncurrent loans to loans | 0.6601% | 2,570 |
| Net loans and leases to total assets | 60.5092% | 3,699 |
| Net loans and leases to deposits | 69.4365% | 3,834 |
| Net loans and leases to core deposits | 85.5523% | 2,842 |
| Total domestic deposits to total assets | 87.1432% | 2,067 |
| Equity capital to assets | 11.2265% | 2,367 |
| Core capital (leverage) ratio | 10.3316% | 3,145 |
| Tier 1 risk-based capital ratio | 14.0985% | 3,326 |
| Total risk-based capital ratio | 15.3493% | 3,243 |
| Memoranda: | ||
| Average total assets | $545,617,500 | 1,312 |
| Average earning assets | $528,474,500 | 1,268 |
| Average equity | $64,899,000 | 1,238 |
| Average total loans | $337,216,000 | 1,460 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4441% | 1,898 |
| Cost of funding earning assets | 0.3590% | 3,623 |
| Net interest margin | 4.0851% | 1,496 |
| Noninterest income to average assets | 0.2645% | 4,548 |
| Noninterest expense to average assets | 1.8730% | 5,155 |
| Loan and lease loss provision to assets | 0.5822% | 220 |
| Net operating income to assets | 1.7659% | 464 |
| Return on assets (ROA) | 1.7771% | 461 |
| Pretax return on assets | 1.7771% | 841 |
| Return on Equity (ROE) | 14.0987% | 746 |
| Retained earnings to average equity (ytd only) | 3.8857% | 2,875 |
| Net charge-offs to loans | 1.0721% | 163 |
| Credit loss provision to net charge-offs | 95.0872% | 2,702 |
| Earnings coverage of net charge-offs (x) | 3.8352% | 3,548 |
| Efficiency ratio | 44.3729% | 5,441 |
| Assets per employee ($millions) | 7.0458% | 950 |
| Cash dividends to net income (ytd only)* | 72.4394% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5716% | 1,209 |
| Loan loss allowance to noncurrent loans | 162.0841% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.7297% | 2,142 |
| Noncurrent loans to loans | 0.9696% | 1,822 |
| Net loans and leases to total assets | 61.2049% | 3,709 |
| Net loans and leases to deposits | 72.1226% | 3,689 |
| Net loans and leases to core deposits | 87.3676% | 2,779 |
| Total domestic deposits to total assets | 84.8623% | 2,890 |
| Equity capital to assets | 12.6061% | 1,455 |
| Core capital (leverage) ratio | 11.0748% | 2,261 |
| Tier 1 risk-based capital ratio | 15.3947% | 2,662 |
| Total risk-based capital ratio | 16.6459% | 2,598 |
| Memoranda: | ||
| Average total assets | $515,320,400 | 1,356 |
| Average earning assets | $499,107,400 | 1,305 |
| Average equity | $64,956,400 | 1,225 |
| Average total loans | $294,294,600 | 1,592 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3655% | 2,057 |
| Cost of funding earning assets | 0.3455% | 3,715 |
| Net interest margin | 4.0200% | 1,634 |
| Noninterest income to average assets | 0.3177% | 4,268 |
| Noninterest expense to average assets | 1.8764% | 5,166 |
| Loan and lease loss provision to assets | 0.3906% | 354 |
| Net operating income to assets | 1.9469% | 350 |
| Return on assets (ROA) | 1.9620% | 344 |
| Pretax return on assets | 1.9620% | 593 |
| Return on Equity (ROE) | 15.5658% | 579 |
| Retained earnings to average equity (ytd only) | 1.8613% | 4,689 |
| Net charge-offs to loans | 0.4732% | 439 |
| Credit loss provision to net charge-offs | 147.9290% | 1,711 |
| Earnings coverage of net charge-offs (x) | 8.8530% | 2,735 |
| Efficiency ratio | 44.5282% | 5,466 |
| Assets per employee ($millions) | 6.9963% | 956 |
| Cash dividends to net income (ytd only)* | 88.0424% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8702% | 749 |
| Loan loss allowance to noncurrent loans | 89.1158% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 1.2754% | 1,266 |
| Noncurrent loans to loans | 2.0987% | 790 |
| Net loans and leases to total assets | 59.6364% | 3,906 |
| Net loans and leases to deposits | 70.0675% | 3,957 |
| Net loans and leases to core deposits | 85.3711% | 3,020 |
| Total domestic deposits to total assets | 85.1127% | 2,674 |
| Equity capital to assets | 13.0315% | 1,374 |
| Core capital (leverage) ratio | 10.6577% | 2,818 |
| Tier 1 risk-based capital ratio | 15.5768% | 2,682 |
| Total risk-based capital ratio | 16.8309% | 2,617 |
| Memoranda: | ||
| Average total assets | $512,041,750 | 1,376 |
| Average earning assets | $496,271,500 | 1,322 |
| Average equity | $64,541,750 | 1,237 |
| Average total loans | $285,720,250 | 1,638 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3860% | 1,865 |
| Cost of funding earning assets | 0.3315% | 3,774 |
| Net interest margin | 4.0545% | 1,451 |
| Noninterest income to average assets | 0.3130% | 4,297 |
| Noninterest expense to average assets | 1.8537% | 5,254 |
| Loan and lease loss provision to assets | 0.3903% | 350 |
| Net operating income to assets | 1.9923% | 315 |
| Return on assets (ROA) | 1.9899% | 321 |
| Pretax return on assets | 1.9899% | 538 |
| Return on Equity (ROE) | 15.9667% | 534 |
| Retained earnings to average equity (ytd only) | -3.2597% | 5,448 |
| Net charge-offs to loans | 0.6789% | 287 |
| Credit loss provision to net charge-offs | 106.1571% | 1,933 |
| Earnings coverage of net charge-offs (x) | 6.4809% | 2,707 |
| Efficiency ratio | 43.7586% | 5,533 |
| Assets per employee ($millions) | 7.3105% | 811 |
| Cash dividends to net income (ytd only)* | 120.4158% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8042% | 879 |
| Loan loss allowance to noncurrent loans | 110.0716% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 0.9281% | 1,895 |
| Noncurrent loans to loans | 1.6391% | 1,123 |
| Net loans and leases to total assets | 55.6004% | 4,258 |
| Net loans and leases to deposits | 66.8175% | 4,161 |
| Net loans and leases to core deposits | 84.1887% | 3,046 |
| Total domestic deposits to total assets | 83.2123% | 3,501 |
| Equity capital to assets | 12.3394% | 1,705 |
| Core capital (leverage) ratio | 10.5995% | 2,814 |
| Tier 1 risk-based capital ratio | 15.3844% | 2,758 |
| Total risk-based capital ratio | 16.6375% | 2,697 |
| Memoranda: | ||
| Average total assets | $512,478,330 | 1,382 |
| Average earning assets | $495,890,670 | 1,327 |
| Average equity | $63,870,330 | 1,246 |
| Average total loans | $277,498,000 | 1,674 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3596% | 1,788 |
| Cost of funding earning assets | 0.3150% | 3,902 |
| Net interest margin | 4.0447% | 1,361 |
| Noninterest income to average assets | 0.3410% | 4,115 |
| Noninterest expense to average assets | 1.8736% | 5,268 |
| Loan and lease loss provision to assets | 0.3956% | 284 |
| Net operating income to assets | 1.9939% | 306 |
| Return on assets (ROA) | 1.8871% | 392 |
| Pretax return on assets | 1.8871% | 660 |
| Return on Equity (ROE) | 15.0637% | 633 |
| Retained earnings to average equity (ytd only) | -17.4638% | 5,697 |
| Net charge-offs to loans | -0.1182% | 5,496 |
| Credit loss provision to net charge-offs | -632.9114% | 4,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9495% | 5,597 |
| Assets per employee ($millions) | 6.9705% | 966 |
| Cash dividends to net income (ytd only)* | 215.9329% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1052% | 546 |
| Loan loss allowance to noncurrent loans | 103.9478% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 1.1465% | 1,538 |
| Noncurrent loans to loans | 2.0253% | 876 |
| Net loans and leases to total assets | 55.4162% | 4,215 |
| Net loans and leases to deposits | 63.8250% | 4,321 |
| Net loans and leases to core deposits | 81.6359% | 3,124 |
| Total domestic deposits to total assets | 86.8253% | 2,296 |
| Equity capital to assets | 12.5710% | 1,485 |
| Core capital (leverage) ratio | 10.2472% | 3,200 |
| Tier 1 risk-based capital ratio | 16.0774% | 2,516 |
| Total risk-based capital ratio | 17.3341% | 2,466 |
| Memoranda: | ||
| Average total assets | $505,539,500 | 1,406 |
| Average earning assets | $490,227,500 | 1,344 |
| Average equity | $63,331,000 | 1,256 |
| Average total loans | $267,230,500 | 1,743 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6652% | 4,325 |
| Cost of funding earning assets | 0.2799% | 4,257 |
| Net interest margin | 3.3853% | 3,867 |
| Noninterest income to average assets | 0.3211% | 4,446 |
| Noninterest expense to average assets | 1.5588% | 5,682 |
| Loan and lease loss provision to assets | 0.4036% | 383 |
| Net operating income to assets | 1.6450% | 618 |
| Return on assets (ROA) | 1.8338% | 436 |
| Pretax return on assets | 1.8338% | 731 |
| Return on Equity (ROE) | 14.3396% | 722 |
| Retained earnings to average equity (ytd only) | 5.1801% | 2,214 |
| Net charge-offs to loans | 0.5192% | 470 |
| Credit loss provision to net charge-offs | 157.5711% | 1,748 |
| Earnings coverage of net charge-offs (x) | 7.9985% | 2,938 |
| Efficiency ratio | 43.2111% | 5,719 |
| Assets per employee ($millions) | 7.4807% | 738 |
| Cash dividends to net income (ytd only)* | 63.8755% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0916% | 556 |
| Loan loss allowance to noncurrent loans | 79.8889% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 1.2899% | 1,369 |
| Noncurrent loans to loans | 2.6181% | 584 |
| Net loans and leases to total assets | 48.2368% | 4,882 |
| Net loans and leases to deposits | 55.4884% | 4,943 |
| Net loans and leases to core deposits | 70.5133% | 4,199 |
| Total domestic deposits to total assets | 86.9314% | 2,187 |
| Equity capital to assets | 12.4856% | 1,536 |
| Core capital (leverage) ratio | 10.9635% | 2,378 |
| Tier 1 risk-based capital ratio | 17.8222% | 1,902 |
| Total risk-based capital ratio | 19.0775% | 1,854 |
| Memoranda: | ||
| Average total assets | $507,953,000 | 1,351 |
| Average earning assets | $493,103,400 | 1,286 |
| Average equity | $64,960,000 | 1,211 |
| Average total loans | $250,600,600 | 1,789 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7961% | 3,935 |
| Cost of funding earning assets | 0.2792% | 4,301 |
| Net interest margin | 3.5169% | 3,407 |
| Noninterest income to average assets | 0.3236% | 4,459 |
| Noninterest expense to average assets | 1.4825% | 5,772 |
| Loan and lease loss provision to assets | 0.4480% | 298 |
| Net operating income to assets | 1.8098% | 479 |
| Return on assets (ROA) | 2.0599% | 325 |
| Pretax return on assets | 2.0599% | 501 |
| Return on Equity (ROE) | 16.0107% | 543 |
| Retained earnings to average equity (ytd only) | 3.8224% | 3,590 |
| Net charge-offs to loans | 0.3978% | 546 |
| Credit loss provision to net charge-offs | 228.1879% | 1,295 |
| Earnings coverage of net charge-offs (x) | 11.4993% | 2,480 |
| Efficiency ratio | 39.6350% | 5,838 |
| Assets per employee ($millions) | 7.6350% | 689 |
| Cash dividends to net income (ytd only)* | 76.1260% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1896% | 531 |
| Loan loss allowance to noncurrent loans | 369.5652% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.3059% | 4,187 |
| Noncurrent loans to loans | 0.5925% | 3,229 |
| Net loans and leases to total assets | 50.5092% | 4,786 |
| Net loans and leases to deposits | 59.2452% | 4,804 |
| Net loans and leases to core deposits | 70.6853% | 4,270 |
| Total domestic deposits to total assets | 85.2544% | 2,693 |
| Equity capital to assets | 13.8801% | 1,086 |
| Core capital (leverage) ratio | 9.7805% | 3,831 |
| Tier 1 risk-based capital ratio | 17.5399% | 2,061 |
| Total risk-based capital ratio | 18.7967% | 2,024 |
| Memoranda: | ||
| Average total assets | $505,898,750 | 1,361 |
| Average earning assets | $491,479,250 | 1,297 |
| Average equity | $65,088,250 | 1,214 |
| Average total loans | $249,675,000 | 1,796 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8623% | 3,730 |
| Cost of funding earning assets | 0.2732% | 4,411 |
| Net interest margin | 3.5891% | 3,140 |
| Noninterest income to average assets | 0.3237% | 4,471 |
| Noninterest expense to average assets | 1.4455% | 5,881 |
| Loan and lease loss provision to assets | 0.4691% | 295 |
| Net operating income to assets | 1.8958% | 398 |
| Return on assets (ROA) | 1.9396% | 390 |
| Pretax return on assets | 1.9396% | 648 |
| Return on Equity (ROE) | 15.4636% | 616 |
| Retained earnings to average equity (ytd only) | -1.5333% | 5,495 |
| Net charge-offs to loans | 0.2420% | 972 |
| Credit loss provision to net charge-offs | 398.6711% | 779 |
| Earnings coverage of net charge-offs (x) | 20.0997% | 1,741 |
| Efficiency ratio | 37.9360% | 5,945 |
| Assets per employee ($millions) | 8.3572% | 499 |
| Cash dividends to net income (ytd only)* | 109.9154% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1626% | 574 |
| Loan loss allowance to noncurrent loans | 422.6430% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.2458% | 4,512 |
| Noncurrent loans to loans | 0.5117% | 3,552 |
| Net loans and leases to total assets | 46.9925% | 5,066 |
| Net loans and leases to deposits | 54.1215% | 5,130 |
| Net loans and leases to core deposits | 65.4697% | 4,649 |
| Total domestic deposits to total assets | 86.8279% | 2,000 |
| Equity capital to assets | 12.5021% | 1,769 |
| Core capital (leverage) ratio | 10.3028% | 3,195 |
| Tier 1 risk-based capital ratio | 16.5562% | 2,404 |
| Total risk-based capital ratio | 17.8123% | 2,350 |
| Memoranda: | ||
| Average total assets | $511,651,000 | 1,350 |
| Average earning assets | $497,059,330 | 1,290 |
| Average equity | $64,176,330 | 1,231 |
| Average total loans | $248,788,670 | 1,802 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0258% | 3,126 |
| Cost of funding earning assets | 0.2728% | 4,468 |
| Net interest margin | 3.7530% | 2,466 |
| Noninterest income to average assets | 0.3403% | 4,298 |
| Noninterest expense to average assets | 1.4541% | 5,935 |
| Loan and lease loss provision to assets | 0.3966% | 349 |
| Net operating income to assets | 2.1348% | 258 |
| Return on assets (ROA) | 2.1356% | 271 |
| Pretax return on assets | 2.1356% | 430 |
| Return on Equity (ROE) | 16.9970% | 439 |
| Retained earnings to average equity (ytd only) | -11.1756% | 5,840 |
| Net charge-offs to loans | -0.0195% | 4,839 |
| Credit loss provision to net charge-offs | -4,166.6667% | 5,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.4849% | 6,021 |
| Assets per employee ($millions) | 7.8860% | 590 |
| Cash dividends to net income (ytd only)* | 165.7504% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0375% | 773 |
| Loan loss allowance to noncurrent loans | 425.6281% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.2329% | 4,628 |
| Noncurrent loans to loans | 0.4787% | 3,746 |
| Net loans and leases to total assets | 47.6684% | 4,994 |
| Net loans and leases to deposits | 54.6829% | 5,062 |
| Net loans and leases to core deposits | 66.2008% | 4,524 |
| Total domestic deposits to total assets | 87.1725% | 2,116 |
| Equity capital to assets | 12.3061% | 1,828 |
| Core capital (leverage) ratio | 9.9494% | 3,597 |
| Tier 1 risk-based capital ratio | 16.1443% | 2,610 |
| Total risk-based capital ratio | 17.3989% | 2,562 |
| Memoranda: | ||
| Average total assets | $504,224,000 | 1,375 |
| Average earning assets | $489,741,000 | 1,301 |
| Average equity | $63,352,500 | 1,234 |
| Average total loans | $246,739,500 | 1,821 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7591% | 4,165 |
| Cost of funding earning assets | 0.2565% | 4,720 |
| Net interest margin | 3.5025% | 3,510 |
| Noninterest income to average assets | 0.3308% | 4,533 |
| Noninterest expense to average assets | 1.6106% | 5,909 |
| Loan and lease loss provision to assets | 0.2395% | 800 |
| Net operating income to assets | 1.8745% | 423 |
| Return on assets (ROA) | 1.8848% | 426 |
| Pretax return on assets | 1.8848% | 676 |
| Return on Equity (ROE) | 15.3341% | 639 |
| Retained earnings to average equity (ytd only) | 6.0419% | 1,775 |
| Net charge-offs to loans | 0.1504% | 1,864 |
| Credit loss provision to net charge-offs | 337.2093% | 891 |
| Earnings coverage of net charge-offs (x) | 29.7645% | 1,465 |
| Efficiency ratio | 43.2428% | 5,999 |
| Assets per employee ($millions) | 7.9977% | 553 |
| Cash dividends to net income (ytd only)* | 60.5981% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8726% | 1,004 |
| Loan loss allowance to noncurrent loans | 563.5018% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.1636% | 4,953 |
| Noncurrent loans to loans | 0.3323% | 4,269 |
| Net loans and leases to total assets | 48.2968% | 4,989 |
| Net loans and leases to deposits | 55.8206% | 5,055 |
| Net loans and leases to core deposits | 68.9236% | 4,381 |
| Total domestic deposits to total assets | 86.5215% | 2,366 |
| Equity capital to assets | 12.8314% | 1,444 |
| Core capital (leverage) ratio | 10.7055% | 2,704 |
| Tier 1 risk-based capital ratio | 16.8157% | 2,356 |
| Total risk-based capital ratio | 18.0685% | 2,303 |
| Memoranda: | ||
| Average total assets | $484,340,400 | 1,391 |
| Average earning assets | $469,316,600 | 1,318 |
| Average equity | $59,533,800 | 1,270 |
| Average total loans | $228,658,400 | 1,870 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7900% | 4,119 |
| Cost of funding earning assets | 0.2546% | 4,826 |
| Net interest margin | 3.5354% | 3,405 |
| Noninterest income to average assets | 0.3174% | 4,667 |
| Noninterest expense to average assets | 1.5993% | 5,978 |
| Loan and lease loss provision to assets | 0.2202% | 858 |
| Net operating income to assets | 1.9238% | 408 |
| Return on assets (ROA) | 1.9573% | 406 |
| Pretax return on assets | 1.9573% | 655 |
| Return on Equity (ROE) | 16.1060% | 575 |
| Retained earnings to average equity (ytd only) | 3.5001% | 3,977 |
| Net charge-offs to loans | 0.0148% | 3,662 |
| Credit loss provision to net charge-offs | 3,180.0000% | 117 |
| Earnings coverage of net charge-offs (x) | 309.7033% | 233 |
| Efficiency ratio | 42.7240% | 6,069 |
| Assets per employee ($millions) | 7.6075% | 648 |
| Cash dividends to net income (ytd only)* | 78.2683% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9101% | 1,050 |
| Loan loss allowance to noncurrent loans | 506.0403% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.1957% | 4,967 |
| Noncurrent loans to loans | 0.3775% | 4,260 |
| Net loans and leases to total assets | 49.2570% | 4,991 |
| Net loans and leases to deposits | 58.1749% | 4,992 |
| Net loans and leases to core deposits | 67.4085% | 4,591 |
| Total domestic deposits to total assets | 84.6705% | 3,144 |
| Equity capital to assets | 12.7338% | 1,596 |
| Core capital (leverage) ratio | 10.4279% | 3,133 |
| Tier 1 risk-based capital ratio | 16.5961% | 2,526 |
| Total risk-based capital ratio | 17.8493% | 2,483 |
| Memoranda: | ||
| Average total assets | $481,461,750 | 1,404 |
| Average earning assets | $466,550,750 | 1,331 |
| Average equity | $58,511,000 | 1,294 |
| Average total loans | $224,810,000 | 1,906 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7950% | 4,087 |
| Cost of funding earning assets | 0.2531% | 4,906 |
| Net interest margin | 3.5419% | 3,330 |
| Noninterest income to average assets | 0.2913% | 4,880 |
| Noninterest expense to average assets | 1.5976% | 6,050 |
| Loan and lease loss provision to assets | 0.2187% | 869 |
| Net operating income to assets | 1.9046% | 432 |
| Return on assets (ROA) | 1.9793% | 395 |
| Pretax return on assets | 1.9793% | 620 |
| Return on Equity (ROE) | 16.5430% | 546 |
| Retained earnings to average equity (ytd only) | -0.8242% | 5,665 |
| Net charge-offs to loans | 0.0018% | 3,841 |
| Credit loss provision to net charge-offs | 26,500.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 2,573.0000% | 17 |
| Efficiency ratio | 42.9363% | 6,149 |
| Assets per employee ($millions) | 7.5967% | 640 |
| Cash dividends to net income (ytd only)* | 104.9823% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8479% | 1,273 |
| Loan loss allowance to noncurrent loans | 567.9045% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.1613% | 5,230 |
| Noncurrent loans to loans | 0.3254% | 4,532 |
| Net loans and leases to total assets | 46.7796% | 5,193 |
| Net loans and leases to deposits | 53.3700% | 5,291 |
| Net loans and leases to core deposits | 60.9471% | 5,012 |
| Total domestic deposits to total assets | 87.6514% | 1,815 |
| Equity capital to assets | 11.7727% | 2,182 |
| Core capital (leverage) ratio | 9.8600% | 3,788 |
| Tier 1 risk-based capital ratio | 16.0625% | 2,824 |
| Total risk-based capital ratio | 17.3146% | 2,781 |
| Memoranda: | ||
| Average total assets | $484,727,330 | 1,406 |
| Average earning assets | $469,351,330 | 1,332 |
| Average equity | $57,994,330 | 1,311 |
| Average total loans | $220,796,000 | 1,936 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9037% | 3,589 |
| Cost of funding earning assets | 0.2535% | 4,986 |
| Net interest margin | 3.6502% | 2,816 |
| Noninterest income to average assets | 0.2967% | 4,794 |
| Noninterest expense to average assets | 1.5595% | 6,138 |
| Loan and lease loss provision to assets | 0.2190% | 807 |
| Net operating income to assets | 2.0529% | 309 |
| Return on assets (ROA) | 2.0934% | 305 |
| Pretax return on assets | 2.0934% | 489 |
| Return on Equity (ROE) | 17.3575% | 443 |
| Retained earnings to average equity (ytd only) | -9.8677% | 6,131 |
| Net charge-offs to loans | -0.0669% | 5,672 |
| Credit loss provision to net charge-offs | -736.1111% | 4,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7032% | 6,252 |
| Assets per employee ($millions) | 7.8900% | 569 |
| Cash dividends to net income (ytd only)* | 156.8496% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8616% | 1,369 |
| Loan loss allowance to noncurrent loans | 473.7150% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.1843% | 5,210 |
| Noncurrent loans to loans | 0.3930% | 4,417 |
| Net loans and leases to total assets | 44.4147% | 5,322 |
| Net loans and leases to deposits | 51.0069% | 5,390 |
| Net loans and leases to core deposits | 55.5315% | 5,280 |
| Total domestic deposits to total assets | 87.0759% | 2,329 |
| Equity capital to assets | 12.0795% | 1,970 |
| Core capital (leverage) ratio | 9.2916% | 4,587 |
| Tier 1 risk-based capital ratio | 18.6052% | 1,971 |
| Total risk-based capital ratio | 19.8596% | 1,925 |
| Memoranda: | ||
| Average total assets | $483,995,500 | 1,413 |
| Average earning assets | $468,681,000 | 1,342 |
| Average equity | $58,372,500 | 1,310 |
| Average total loans | $215,334,000 | 1,974 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4988% | 5,318 |
| Cost of funding earning assets | 0.2544% | 5,276 |
| Net interest margin | 3.2444% | 4,776 |
| Noninterest income to average assets | 0.3082% | 4,913 |
| Noninterest expense to average assets | 1.4046% | 6,349 |
| Loan and lease loss provision to assets | 0.1488% | 1,762 |
| Net operating income to assets | 1.8903% | 397 |
| Return on assets (ROA) | 1.8626% | 431 |
| Pretax return on assets | 1.8626% | 694 |
| Return on Equity (ROE) | 17.6603% | 428 |
| Retained earnings to average equity (ytd only) | 7.0303% | 1,394 |
| Net charge-offs to loans | 0.3770% | 1,141 |
| Credit loss provision to net charge-offs | 94.8953% | 2,536 |
| Earnings coverage of net charge-offs (x) | 13.0052% | 2,316 |
| Efficiency ratio | 40.7867% | 6,383 |
| Assets per employee ($millions) | 7.8500% | 561 |
| Cash dividends to net income (ytd only)* | 60.1917% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7637% | 1,617 |
| Loan loss allowance to noncurrent loans | 465.1797% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.1724% | 5,334 |
| Noncurrent loans to loans | 0.3791% | 4,504 |
| Net loans and leases to total assets | 42.9618% | 5,543 |
| Net loans and leases to deposits | 49.0931% | 5,626 |
| Net loans and leases to core deposits | 53.4396% | 5,531 |
| Total domestic deposits to total assets | 87.5107% | 2,029 |
| Equity capital to assets | 12.0418% | 1,993 |
| Core capital (leverage) ratio | 9.7419% | 3,914 |
| Tier 1 risk-based capital ratio | 18.1556% | 2,092 |
| Total risk-based capital ratio | 19.4077% | 2,051 |
| Memoranda: | ||
| Average total assets | $487,267,400 | 1,363 |
| Average earning assets | $470,897,600 | 1,302 |
| Average equity | $51,392,000 | 1,412 |
| Average total loans | $202,669,800 | 2,015 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6233% | 5,086 |
| Cost of funding earning assets | 0.2548% | 5,354 |
| Net interest margin | 3.3685% | 4,367 |
| Noninterest income to average assets | 0.3129% | 4,939 |
| Noninterest expense to average assets | 1.4060% | 6,403 |
| Loan and lease loss provision to assets | 0.1983% | 1,206 |
| Net operating income to assets | 1.9627% | 369 |
| Return on assets (ROA) | 1.9258% | 412 |
| Pretax return on assets | 1.9258% | 671 |
| Return on Equity (ROE) | 18.9287% | 357 |
| Retained earnings to average equity (ytd only) | 4.2401% | 3,636 |
| Net charge-offs to loans | 0.3305% | 1,214 |
| Credit loss provision to net charge-offs | 146.1694% | 1,613 |
| Earnings coverage of net charge-offs (x) | 15.9273% | 2,022 |
| Efficiency ratio | 39.4172% | 6,462 |
| Assets per employee ($millions) | 7.6282% | 602 |
| Cash dividends to net income (ytd only)* | 77.5995% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9839% | 1,287 |
| Loan loss allowance to noncurrent loans | 375.8879% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.2293% | 5,300 |
| Noncurrent loans to loans | 0.5278% | 4,351 |
| Net loans and leases to total assets | 41.3473% | 5,727 |
| Net loans and leases to deposits | 47.0395% | 5,817 |
| Net loans and leases to core deposits | 51.0629% | 5,740 |
| Total domestic deposits to total assets | 87.8991% | 1,816 |
| Equity capital to assets | 11.3697% | 2,611 |
| Core capital (leverage) ratio | 9.4277% | 4,472 |
| Tier 1 risk-based capital ratio | 16.3713% | 2,865 |
| Total risk-based capital ratio | 17.6233% | 2,822 |
| Memoranda: | ||
| Average total assets | $487,409,750 | 1,378 |
| Average earning assets | $470,862,500 | 1,308 |
| Average equity | $49,588,250 | 1,455 |
| Average total loans | $200,125,250 | 2,050 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6392% | 5,042 |
| Cost of funding earning assets | 0.2569% | 5,412 |
| Net interest margin | 3.3823% | 4,246 |
| Noninterest income to average assets | 0.3096% | 4,936 |
| Noninterest expense to average assets | 1.3915% | 6,481 |
| Loan and lease loss provision to assets | 0.2961% | 669 |
| Net operating income to assets | 1.8865% | 422 |
| Return on assets (ROA) | 1.8865% | 432 |
| Pretax return on assets | 1.8865% | 701 |
| Return on Equity (ROE) | 19.2843% | 340 |
| Retained earnings to average equity (ytd only) | -1.4487% | 5,920 |
| Net charge-offs to loans | 0.3122% | 1,295 |
| Credit loss provision to net charge-offs | 233.1190% | 1,038 |
| Earnings coverage of net charge-offs (x) | 17.1833% | 1,747 |
| Efficiency ratio | 38.9327% | 6,543 |
| Assets per employee ($millions) | 7.7602% | 556 |
| Cash dividends to net income (ytd only)* | 107.5124% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1294% | 1,124 |
| Loan loss allowance to noncurrent loans | 340.3722% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.2596% | 5,313 |
| Noncurrent loans to loans | 0.6256% | 4,149 |
| Net loans and leases to total assets | 39.5506% | 5,854 |
| Net loans and leases to deposits | 44.4623% | 5,958 |
| Net loans and leases to core deposits | 48.4069% | 5,884 |
| Total domestic deposits to total assets | 88.9533% | 1,381 |
| Equity capital to assets | 10.3998% | 3,562 |
| Core capital (leverage) ratio | 9.1593% | 4,807 |
| Tier 1 risk-based capital ratio | 18.2118% | 2,164 |
| Total risk-based capital ratio | 19.4678% | 2,124 |
| Memoranda: | ||
| Average total assets | $489,687,670 | 1,368 |
| Average earning assets | $472,635,330 | 1,299 |
| Average equity | $47,904,330 | 1,499 |
| Average total loans | $199,258,000 | 2,051 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7196% | 4,778 |
| Cost of funding earning assets | 0.2600% | 5,490 |
| Net interest margin | 3.4595% | 3,860 |
| Noninterest income to average assets | 0.2946% | 5,016 |
| Noninterest expense to average assets | 1.3753% | 6,574 |
| Loan and lease loss provision to assets | 0.2040% | 1,136 |
| Net operating income to assets | 2.0601% | 299 |
| Return on assets (ROA) | 2.0601% | 309 |
| Pretax return on assets | 2.0601% | 464 |
| Return on Equity (ROE) | 21.7425% | 208 |
| Retained earnings to average equity (ytd only) | -12.4821% | 6,429 |
| Net charge-offs to loans | -0.0020% | 4,702 |
| Credit loss provision to net charge-offs | -25,000.0000% | 5,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.7887% | 6,622 |
| Assets per employee ($millions) | 7.8547% | 521 |
| Cash dividends to net income (ytd only)* | 157.4089% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0389% | 1,444 |
| Loan loss allowance to noncurrent loans | 362.0412% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.2361% | 5,492 |
| Noncurrent loans to loans | 0.5632% | 4,471 |
| Net loans and leases to total assets | 39.8977% | 5,816 |
| Net loans and leases to deposits | 44.4424% | 5,953 |
| Net loans and leases to core deposits | 49.2657% | 5,808 |
| Total domestic deposits to total assets | 89.7739% | 1,192 |
| Equity capital to assets | 9.6698% | 4,271 |
| Core capital (leverage) ratio | 9.0192% | 4,980 |
| Tier 1 risk-based capital ratio | 17.5935% | 2,455 |
| Total risk-based capital ratio | 18.8485% | 2,418 |
| Memoranda: | ||
| Average total assets | $490,084,000 | 1,378 |
| Average earning assets | $473,819,000 | 1,304 |
| Average equity | $46,434,500 | 1,543 |
| Average total loans | $200,103,000 | 2,051 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6336% | 5,322 |
| Cost of funding earning assets | 0.2666% | 5,857 |
| Net interest margin | 3.3670% | 4,415 |
| Noninterest income to average assets | 0.3289% | 4,984 |
| Noninterest expense to average assets | 1.4891% | 6,582 |
| Loan and lease loss provision to assets | 0.1399% | 2,559 |
| Net operating income to assets | 1.8941% | 401 |
| Return on assets (ROA) | 1.8941% | 417 |
| Pretax return on assets | 1.8941% | 606 |
| Return on Equity (ROE) | 19.3716% | 317 |
| Retained earnings to average equity (ytd only) | 7.3472% | 1,295 |
| Net charge-offs to loans | 0.1808% | 3,017 |
| Credit loss provision to net charge-offs | 187.8613% | 1,216 |
| Earnings coverage of net charge-offs (x) | 27.3150% | 1,275 |
| Efficiency ratio | 42.2663% | 6,648 |
| Assets per employee ($millions) | 7.9545% | 482 |
| Cash dividends to net income (ytd only)* | 62.0725% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8790% | 1,833 |
| Loan loss allowance to noncurrent loans | 398.4244% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.1997% | 5,700 |
| Noncurrent loans to loans | 0.4716% | 4,816 |
| Net loans and leases to total assets | 40.1623% | 5,950 |
| Net loans and leases to deposits | 44.5482% | 6,094 |
| Net loans and leases to core deposits | 49.0758% | 5,979 |
| Total domestic deposits to total assets | 90.1547% | 1,004 |
| Equity capital to assets | 9.2823% | 4,709 |
| Core capital (leverage) ratio | 9.6894% | 4,000 |
| Tier 1 risk-based capital ratio | 16.3343% | 2,944 |
| Total risk-based capital ratio | 17.5858% | 2,897 |
| Memoranda: | ||
| Average total assets | $464,648,000 | 1,423 |
| Average earning assets | $440,807,800 | 1,375 |
| Average equity | $45,432,400 | 1,542 |
| Average total loans | $191,326,600 | 2,085 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6793% | 5,222 |
| Cost of funding earning assets | 0.2769% | 5,913 |
| Net interest margin | 3.4023% | 4,277 |
| Noninterest income to average assets | 0.3343% | 5,018 |
| Noninterest expense to average assets | 1.4705% | 6,656 |
| Loan and lease loss provision to assets | 0.1166% | 2,835 |
| Net operating income to assets | 1.9586% | 393 |
| Return on assets (ROA) | 1.9586% | 405 |
| Pretax return on assets | 1.9586% | 634 |
| Return on Equity (ROE) | 19.7616% | 314 |
| Retained earnings to average equity (ytd only) | 3.6989% | 4,068 |
| Net charge-offs to loans | 0.2339% | 2,403 |
| Credit loss provision to net charge-offs | 120.8459% | 1,950 |
| Earnings coverage of net charge-offs (x) | 21.5137% | 1,542 |
| Efficiency ratio | 41.4728% | 6,721 |
| Assets per employee ($millions) | 7.5890% | 564 |
| Cash dividends to net income (ytd only)* | 81.2826% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8052% | 2,286 |
| Loan loss allowance to noncurrent loans | 282.6052% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.2791% | 5,603 |
| Noncurrent loans to loans | 0.6388% | 4,597 |
| Net loans and leases to total assets | 41.8062% | 5,915 |
| Net loans and leases to deposits | 46.4058% | 6,073 |
| Net loans and leases to core deposits | 52.0068% | 5,890 |
| Total domestic deposits to total assets | 90.0884% | 945 |
| Equity capital to assets | 9.3396% | 4,756 |
| Core capital (leverage) ratio | 9.3055% | 4,687 |
| Tier 1 risk-based capital ratio | 15.5660% | 3,439 |
| Total risk-based capital ratio | 16.8184% | 3,398 |
| Memoranda: | ||
| Average total assets | $457,515,750 | 1,454 |
| Average earning assets | $431,852,500 | 1,414 |
| Average equity | $45,346,000 | 1,556 |
| Average total loans | $188,692,250 | 2,114 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7606% | 4,958 |
| Cost of funding earning assets | 0.2767% | 6,007 |
| Net interest margin | 3.4839% | 3,845 |
| Noninterest income to average assets | 0.3309% | 5,046 |
| Noninterest expense to average assets | 1.4496% | 6,706 |
| Loan and lease loss provision to assets | 0.1317% | 2,672 |
| Net operating income to assets | 2.0105% | 348 |
| Return on assets (ROA) | 2.0105% | 371 |
| Pretax return on assets | 2.0105% | 595 |
| Return on Equity (ROE) | 19.8961% | 307 |
| Retained earnings to average equity (ytd only) | -1.6721% | 6,153 |
| Net charge-offs to loans | 0.1463% | 2,936 |
| Credit loss provision to net charge-offs | 220.5882% | 1,104 |
| Earnings coverage of net charge-offs (x) | 35.8897% | 1,007 |
| Efficiency ratio | 40.3592% | 6,789 |
| Assets per employee ($millions) | 6.9939% | 721 |
| Cash dividends to net income (ytd only)* | 108.4043% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9207% | 2,054 |
| Loan loss allowance to noncurrent loans | 277.3728% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.2942% | 5,584 |
| Noncurrent loans to loans | 0.6925% | 4,550 |
| Net loans and leases to total assets | 41.6746% | 5,923 |
| Net loans and leases to deposits | 46.2909% | 6,087 |
| Net loans and leases to core deposits | 51.2444% | 5,939 |
| Total domestic deposits to total assets | 90.0275% | 1,007 |
| Equity capital to assets | 9.4575% | 4,638 |
| Core capital (leverage) ratio | 9.2813% | 4,576 |
| Tier 1 risk-based capital ratio | 15.4358% | 3,515 |
| Total risk-based capital ratio | 16.6871% | 3,475 |
| Memoranda: | ||
| Average total assets | $455,710,670 | 1,464 |
| Average earning assets | $426,529,330 | 1,431 |
| Average equity | $46,049,330 | 1,541 |
| Average total loans | $185,892,330 | 2,143 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9296% | 4,369 |
| Cost of funding earning assets | 0.2862% | 6,064 |
| Net interest margin | 3.6434% | 3,097 |
| Noninterest income to average assets | 0.3184% | 5,145 |
| Noninterest expense to average assets | 1.4703% | 6,770 |
| Loan and lease loss provision to assets | 0.1305% | 2,613 |
| Net operating income to assets | 2.0733% | 304 |
| Return on assets (ROA) | 2.0733% | 333 |
| Pretax return on assets | 2.0733% | 521 |
| Return on Equity (ROE) | 19.8967% | 303 |
| Retained earnings to average equity (ytd only) | -15.7804% | 6,765 |
| Net charge-offs to loans | -0.0044% | 5,243 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0189% | 6,871 |
| Assets per employee ($millions) | 7.2656% | 681 |
| Cash dividends to net income (ytd only)* | 179.3118% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9969% | 2,053 |
| Loan loss allowance to noncurrent loans | 228.4191% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.3547% | 5,528 |
| Noncurrent loans to loans | 0.8742% | 4,385 |
| Net loans and leases to total assets | 39.6682% | 6,020 |
| Net loans and leases to deposits | 44.4797% | 6,164 |
| Net loans and leases to core deposits | 49.5125% | 6,004 |
| Total domestic deposits to total assets | 89.1826% | 1,575 |
| Equity capital to assets | 10.3519% | 3,734 |
| Core capital (leverage) ratio | 8.5531% | 5,505 |
| Tier 1 risk-based capital ratio | 15.3142% | 3,644 |
| Total risk-based capital ratio | 16.5660% | 3,601 |
| Memoranda: | ||
| Average total assets | $459,760,500 | 1,461 |
| Average earning assets | $423,450,500 | 1,458 |
| Average equity | $47,907,500 | 1,506 |
| Average total loans | $183,742,000 | 2,173 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6397% | 6,149 |
| Cost of funding earning assets | 0.3517% | 6,199 |
| Net interest margin | 3.2880% | 5,289 |
| Noninterest income to average assets | 0.3300% | 5,095 |
| Noninterest expense to average assets | 1.5583% | 6,831 |
| Loan and lease loss provision to assets | 0.0220% | 5,626 |
| Net operating income to assets | 1.8568% | 463 |
| Return on assets (ROA) | 1.8538% | 518 |
| Pretax return on assets | 1.8538% | 818 |
| Return on Equity (ROE) | 18.4910% | 401 |
| Retained earnings to average equity (ytd only) | 6.5019% | 1,819 |
| Net charge-offs to loans | 0.0444% | 5,292 |
| Credit loss provision to net charge-offs | 123.4568% | 2,306 |
| Earnings coverage of net charge-offs (x) | 105.5802% | 366 |
| Efficiency ratio | 45.3372% | 6,807 |
| Assets per employee ($millions) | 7.5654% | 610 |
| Cash dividends to net income (ytd only)* | 64.8376% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8844% | 2,340 |
| Loan loss allowance to noncurrent loans | 203.5589% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.3697% | 5,590 |
| Noncurrent loans to loans | 0.9257% | 4,339 |
| Net loans and leases to total assets | 38.7294% | 6,255 |
| Net loans and leases to deposits | 43.4401% | 6,400 |
| Net loans and leases to core deposits | 47.4650% | 6,301 |
| Total domestic deposits to total assets | 89.1560% | 1,465 |
| Equity capital to assets | 10.4856% | 3,544 |
| Core capital (leverage) ratio | 9.2405% | 4,510 |
| Tier 1 risk-based capital ratio | 16.0958% | 3,110 |
| Total risk-based capital ratio | 17.3471% | 3,062 |
| Memoranda: | ||
| Average total assets | $455,180,200 | 1,441 |
| Average earning assets | $430,146,200 | 1,401 |
| Average equity | $45,633,000 | 1,525 |
| Average total loans | $182,287,800 | 2,175 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6739% | 6,267 |
| Cost of funding earning assets | 0.3695% | 6,278 |
| Net interest margin | 3.3044% | 5,379 |
| Noninterest income to average assets | 0.3318% | 5,151 |
| Noninterest expense to average assets | 1.5552% | 6,909 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.9233% | 433 |
| Return on assets (ROA) | 1.9233% | 501 |
| Pretax return on assets | 1.9233% | 827 |
| Return on Equity (ROE) | 19.4160% | 371 |
| Retained earnings to average equity (ytd only) | 3.1138% | 4,683 |
| Net charge-offs to loans | 0.0543% | 4,892 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 88.0578% | 471 |
| Efficiency ratio | 44.7094% | 6,873 |
| Assets per employee ($millions) | 7.2304% | 656 |
| Cash dividends to net income (ytd only)* | 83.9625% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8647% | 2,604 |
| Loan loss allowance to noncurrent loans | 189.0869% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.4040% | 5,683 |
| Noncurrent loans to loans | 0.9862% | 4,471 |
| Net loans and leases to total assets | 39.8677% | 6,292 |
| Net loans and leases to deposits | 44.8359% | 6,464 |
| Net loans and leases to core deposits | 49.2771% | 6,325 |
| Total domestic deposits to total assets | 88.9191% | 1,478 |
| Equity capital to assets | 10.5172% | 3,822 |
| Core capital (leverage) ratio | 8.6109% | 5,609 |
| Tier 1 risk-based capital ratio | 15.6150% | 3,467 |
| Total risk-based capital ratio | 16.8661% | 3,430 |
| Memoranda: | ||
| Average total assets | $451,711,750 | 1,470 |
| Average earning assets | $430,159,250 | 1,416 |
| Average equity | $44,745,500 | 1,576 |
| Average total loans | $181,572,000 | 2,206 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7152% | 6,304 |
| Cost of funding earning assets | 0.3793% | 6,381 |
| Net interest margin | 3.3359% | 5,325 |
| Noninterest income to average assets | 0.3295% | 5,191 |
| Noninterest expense to average assets | 1.5387% | 6,982 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.0183% | 385 |
| Return on assets (ROA) | 2.0183% | 436 |
| Pretax return on assets | 2.0183% | 675 |
| Return on Equity (ROE) | 20.7987% | 302 |
| Retained earnings to average equity (ytd only) | -1.8387% | 6,338 |
| Net charge-offs to loans | 0.0243% | 5,051 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 207.7273% | 217 |
| Efficiency ratio | 43.2580% | 6,980 |
| Assets per employee ($millions) | 7.7883% | 517 |
| Cash dividends to net income (ytd only)* | 108.8403% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9166% | 2,494 |
| Loan loss allowance to noncurrent loans | 188.8280% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.3831% | 5,821 |
| Noncurrent loans to loans | 1.0150% | 4,482 |
| Net loans and leases to total assets | 36.5416% | 6,579 |
| Net loans and leases to deposits | 40.4595% | 6,719 |
| Net loans and leases to core deposits | 44.2249% | 6,653 |
| Total domestic deposits to total assets | 90.3166% | 754 |
| Equity capital to assets | 9.2516% | 5,394 |
| Core capital (leverage) ratio | 8.2163% | 6,030 |
| Tier 1 risk-based capital ratio | 16.0490% | 3,140 |
| Total risk-based capital ratio | 17.3014% | 3,107 |
| Memoranda: | ||
| Average total assets | $452,854,670 | 1,471 |
| Average earning assets | $438,147,670 | 1,397 |
| Average equity | $43,945,000 | 1,592 |
| Average total loans | $181,390,670 | 2,207 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8993% | 6,020 |
| Cost of funding earning assets | 0.4035% | 6,392 |
| Net interest margin | 3.4958% | 4,722 |
| Noninterest income to average assets | 0.3316% | 5,206 |
| Noninterest expense to average assets | 1.6161% | 6,961 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.1030% | 349 |
| Return on assets (ROA) | 2.1030% | 402 |
| Pretax return on assets | 2.1030% | 632 |
| Return on Equity (ROE) | 21.1287% | 312 |
| Retained earnings to average equity (ytd only) | -15.3922% | 6,985 |
| Net charge-offs to loans | -0.0593% | 6,599 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4537% | 7,012 |
| Assets per employee ($millions) | 7.4576% | 603 |
| Cash dividends to net income (ytd only)* | 172.8497% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9044% | 2,663 |
| Loan loss allowance to noncurrent loans | 212.9720% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.3658% | 5,973 |
| Noncurrent loans to loans | 0.8942% | 4,876 |
| Net loans and leases to total assets | 39.5969% | 6,376 |
| Net loans and leases to deposits | 43.9525% | 6,562 |
| Net loans and leases to core deposits | 48.3412% | 6,435 |
| Total domestic deposits to total assets | 90.0902% | 1,034 |
| Equity capital to assets | 9.4253% | 4,911 |
| Core capital (leverage) ratio | 8.9485% | 4,922 |
| Tier 1 risk-based capital ratio | 15.6504% | 3,361 |
| Total risk-based capital ratio | 16.9031% | 3,332 |
| Memoranda: | ||
| Average total assets | $437,843,500 | 1,523 |
| Average earning assets | $424,283,500 | 1,444 |
| Average equity | $43,580,500 | 1,601 |
| Average total loans | $182,136,500 | 2,209 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0529% | 6,357 |
| Cost of funding earning assets | 0.5263% | 6,431 |
| Net interest margin | 3.5266% | 5,039 |
| Noninterest income to average assets | 0.3664% | 4,886 |
| Noninterest expense to average assets | 1.6637% | 7,074 |
| Loan and lease loss provision to assets | 0.0814% | 5,593 |
| Net operating income to assets | 2.0278% | 294 |
| Return on assets (ROA) | 2.0278% | 313 |
| Pretax return on assets | 2.0278% | 502 |
| Return on Equity (ROE) | 19.9513% | 264 |
| Retained earnings to average equity (ytd only) | 6.4180% | 1,793 |
| Net charge-offs to loans | 0.1517% | 4,924 |
| Credit loss provision to net charge-offs | 122.8137% | 2,576 |
| Earnings coverage of net charge-offs (x) | 31.8061% | 809 |
| Efficiency ratio | 44.0954% | 7,122 |
| Assets per employee ($millions) | 6.6789% | 870 |
| Cash dividends to net income (ytd only)* | 67.8314% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9209% | 2,503 |
| Loan loss allowance to noncurrent loans | 207.1642% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.4021% | 5,962 |
| Noncurrent loans to loans | 0.9272% | 4,840 |
| Net loans and leases to total assets | 42.1068% | 6,379 |
| Net loans and leases to deposits | 47.3020% | 6,544 |
| Net loans and leases to core deposits | 52.4038% | 6,406 |
| Total domestic deposits to total assets | 89.0169% | 1,525 |
| Equity capital to assets | 10.5244% | 3,511 |
| Core capital (leverage) ratio | 9.6837% | 3,761 |
| Tier 1 risk-based capital ratio | 16.9023% | 2,647 |
| Total risk-based capital ratio | 18.1554% | 2,608 |
| Memoranda: | ||
| Average total assets | $396,584,200 | 1,636 |
| Average earning assets | $383,083,600 | 1,551 |
| Average equity | $40,308,200 | 1,673 |
| Average total loans | $173,339,600 | 2,338 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1038% | 6,408 |
| Cost of funding earning assets | 0.5367% | 6,556 |
| Net interest margin | 3.5671% | 4,914 |
| Noninterest income to average assets | 0.3793% | 4,819 |
| Noninterest expense to average assets | 1.6056% | 7,166 |
| Loan and lease loss provision to assets | 0.0591% | 5,704 |
| Net operating income to assets | 2.1566% | 268 |
| Return on assets (ROA) | 2.1566% | 285 |
| Pretax return on assets | 2.1566% | 468 |
| Return on Equity (ROE) | 21.4234% | 241 |
| Retained earnings to average equity (ytd only) | 2.9234% | 4,602 |
| Net charge-offs to loans | 0.0840% | 5,136 |
| Credit loss provision to net charge-offs | 160.1852% | 1,919 |
| Earnings coverage of net charge-offs (x) | 60.0911% | 549 |
| Efficiency ratio | 42.0173% | 7,209 |
| Assets per employee ($millions) | 6.5431% | 923 |
| Cash dividends to net income (ytd only)* | 86.3542% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9560% | 2,455 |
| Loan loss allowance to noncurrent loans | 167.3892% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.5662% | 5,698 |
| Noncurrent loans to loans | 1.1685% | 4,588 |
| Net loans and leases to total assets | 42.2551% | 6,486 |
| Net loans and leases to deposits | 47.4258% | 6,659 |
| Net loans and leases to core deposits | 52.2721% | 6,550 |
| Total domestic deposits to total assets | 89.0974% | 1,374 |
| Equity capital to assets | 10.3596% | 3,878 |
| Core capital (leverage) ratio | 9.6236% | 3,962 |
| Tier 1 risk-based capital ratio | 16.2467% | 2,992 |
| Total risk-based capital ratio | 17.5000% | 2,956 |
| Memoranda: | ||
| Average total assets | $390,537,000 | 1,671 |
| Average earning assets | $376,845,750 | 1,586 |
| Average equity | $39,314,250 | 1,724 |
| Average total loans | $171,513,500 | 2,372 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1424% | 6,398 |
| Cost of funding earning assets | 0.5480% | 6,672 |
| Net interest margin | 3.5944% | 4,745 |
| Noninterest income to average assets | 0.4357% | 4,379 |
| Noninterest expense to average assets | 1.6973% | 7,180 |
| Loan and lease loss provision to assets | 0.0903% | 5,189 |
| Net operating income to assets | 2.1184% | 291 |
| Return on assets (ROA) | 2.1184% | 299 |
| Pretax return on assets | 2.1184% | 472 |
| Return on Equity (ROE) | 21.2653% | 263 |
| Retained earnings to average equity (ytd only) | -4.7035% | 6,538 |
| Net charge-offs to loans | 0.1912% | 4,011 |
| Credit loss provision to net charge-offs | 106.7901% | 2,888 |
| Earnings coverage of net charge-offs (x) | 26.1296% | 1,025 |
| Efficiency ratio | 43.4544% | 7,256 |
| Assets per employee ($millions) | 6.3902% | 973 |
| Cash dividends to net income (ytd only)* | 122.1182% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0183% | 2,320 |
| Loan loss allowance to noncurrent loans | 199.7081% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.4124% | 6,119 |
| Noncurrent loans to loans | 1.0106% | 4,976 |
| Net loans and leases to total assets | 39.9848% | 6,745 |
| Net loans and leases to deposits | 44.4162% | 6,908 |
| Net loans and leases to core deposits | 49.1207% | 6,803 |
| Total domestic deposits to total assets | 90.0231% | 968 |
| Equity capital to assets | 9.5000% | 4,816 |
| Core capital (leverage) ratio | 9.4127% | 4,086 |
| Tier 1 risk-based capital ratio | 17.0768% | 2,488 |
| Total risk-based capital ratio | 18.3319% | 2,460 |
| Memoranda: | ||
| Average total assets | $383,311,000 | 1,707 |
| Average earning assets | $370,074,670 | 1,625 |
| Average equity | $38,184,330 | 1,756 |
| Average total loans | $169,465,670 | 2,418 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4112% | 5,654 |
| Cost of funding earning assets | 0.5746% | 6,714 |
| Net interest margin | 3.8366% | 3,434 |
| Noninterest income to average assets | 0.4324% | 4,436 |
| Noninterest expense to average assets | 1.7632% | 7,173 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.3633% | 208 |
| Return on assets (ROA) | 2.3633% | 215 |
| Pretax return on assets | 2.3633% | 304 |
| Return on Equity (ROE) | 23.1177% | 207 |
| Retained earnings to average equity (ytd only) | -19.1014% | 7,139 |
| Net charge-offs to loans | -0.0024% | 6,183 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7290% | 7,328 |
| Assets per employee ($millions) | 6.0394% | 1,170 |
| Cash dividends to net income (ytd only)* | 182.6267% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0247% | 2,341 |
| Loan loss allowance to noncurrent loans | 258.9977% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.3709% | 6,280 |
| Noncurrent loans to loans | 0.7817% | 5,473 |
| Net loans and leases to total assets | 44.0819% | 6,463 |
| Net loans and leases to deposits | 49.1148% | 6,680 |
| Net loans and leases to core deposits | 55.8669% | 6,421 |
| Total domestic deposits to total assets | 89.7528% | 1,323 |
| Equity capital to assets | 9.8397% | 3,975 |
| Core capital (leverage) ratio | 9.2551% | 4,202 |
| Tier 1 risk-based capital ratio | 17.1209% | 2,428 |
| Total risk-based capital ratio | 18.3766% | 2,400 |
| Memoranda: | ||
| Average total assets | $367,286,500 | 1,794 |
| Average earning assets | $353,647,000 | 1,701 |
| Average equity | $37,547,000 | 1,771 |
| Average total loans | $169,447,500 | 2,442 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6596% | 5,923 |
| Cost of funding earning assets | 0.6981% | 6,898 |
| Net interest margin | 3.9615% | 3,206 |
| Noninterest income to average assets | 0.4042% | 4,876 |
| Noninterest expense to average assets | 1.9009% | 7,163 |
| Loan and lease loss provision to assets | 0.2210% | 5,062 |
| Net operating income to assets | 2.0999% | 234 |
| Return on assets (ROA) | 2.2317% | 188 |
| Pretax return on assets | 2.2317% | 301 |
| Return on Equity (ROE) | 21.4662% | 177 |
| Retained earnings to average equity (ytd only) | 8.2196% | 910 |
| Net charge-offs to loans | 0.0467% | 6,336 |
| Credit loss provision to net charge-offs | 1,006.3291% | 218 |
| Earnings coverage of net charge-offs (x) | 105.6835% | 235 |
| Efficiency ratio | 45.0254% | 7,385 |
| Assets per employee ($millions) | 5.8085% | 1,348 |
| Cash dividends to net income (ytd only)* | 61.7090% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0009% | 2,300 |
| Loan loss allowance to noncurrent loans | 496.3610% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.1908% | 6,751 |
| Noncurrent loans to loans | 0.4031% | 6,239 |
| Net loans and leases to total assets | 46.3756% | 6,530 |
| Net loans and leases to deposits | 52.2361% | 6,729 |
| Net loans and leases to core deposits | 59.4859% | 6,433 |
| Total domestic deposits to total assets | 88.7807% | 1,778 |
| Equity capital to assets | 10.6212% | 3,047 |
| Core capital (leverage) ratio | 9.8224% | 3,293 |
| Tier 1 risk-based capital ratio | 17.4612% | 2,191 |
| Total risk-based capital ratio | 18.7160% | 2,154 |
| Memoranda: | ||
| Average total assets | $359,725,200 | 1,817 |
| Average earning assets | $346,661,400 | 1,725 |
| Average equity | $37,398,400 | 1,767 |
| Average total loans | $169,084,800 | 2,483 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7041% | 6,002 |
| Cost of funding earning assets | 0.7171% | 7,019 |
| Net interest margin | 3.9870% | 3,159 |
| Noninterest income to average assets | 0.3993% | 4,962 |
| Noninterest expense to average assets | 1.9194% | 7,174 |
| Loan and lease loss provision to assets | 0.2224% | 4,831 |
| Net operating income to assets | 2.1018% | 284 |
| Return on assets (ROA) | 2.3283% | 195 |
| Pretax return on assets | 2.3283% | 318 |
| Return on Equity (ROE) | 22.5172% | 181 |
| Retained earnings to average equity (ytd only) | 4.7544% | 3,153 |
| Net charge-offs to loans | 0.0340% | 6,223 |
| Credit loss provision to net charge-offs | 1,395.3488% | 220 |
| Earnings coverage of net charge-offs (x) | 145.7956% | 217 |
| Efficiency ratio | 45.2298% | 7,417 |
| Assets per employee ($millions) | 5.9004% | 1,301 |
| Cash dividends to net income (ytd only)* | 78.8854% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9608% | 2,322 |
| Loan loss allowance to noncurrent loans | 274.5777% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.3237% | 6,570 |
| Noncurrent loans to loans | 0.7141% | 5,784 |
| Net loans and leases to total assets | 44.4346% | 6,810 |
| Net loans and leases to deposits | 50.0197% | 7,010 |
| Net loans and leases to core deposits | 56.5272% | 6,829 |
| Total domestic deposits to total assets | 88.8342% | 1,490 |
| Equity capital to assets | 10.5789% | 3,432 |
| Core capital (leverage) ratio | 9.4017% | 4,054 |
| Tier 1 risk-based capital ratio | 16.6550% | 2,484 |
| Total risk-based capital ratio | 17.9090% | 2,443 |
| Memoranda: | ||
| Average total assets | $359,624,250 | 1,844 |
| Average earning assets | $346,749,500 | 1,750 |
| Average equity | $37,185,500 | 1,795 |
| Average total loans | $168,750,500 | 2,532 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7791% | 5,863 |
| Cost of funding earning assets | 0.7309% | 7,122 |
| Net interest margin | 4.0483% | 2,796 |
| Noninterest income to average assets | 0.3921% | 4,974 |
| Noninterest expense to average assets | 2.0114% | 7,087 |
| Loan and lease loss provision to assets | 0.2237% | 4,665 |
| Net operating income to assets | 2.0606% | 300 |
| Return on assets (ROA) | 2.4024% | 172 |
| Pretax return on assets | 2.4024% | 279 |
| Return on Equity (ROE) | 23.4183% | 164 |
| Retained earnings to average equity (ytd only) | -0.8942% | 5,948 |
| Net charge-offs to loans | -0.0200% | 7,285 |
| Credit loss provision to net charge-offs | -2,352.9412% | 6,982 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8229% | 7,402 |
| Assets per employee ($millions) | 5.5783% | 1,554 |
| Cash dividends to net income (ytd only)* | 103.8184% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8999% | 2,411 |
| Loan loss allowance to noncurrent loans | 366.4311% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.2378% | 6,804 |
| Noncurrent loans to loans | 0.5185% | 6,220 |
| Net loans and leases to total assets | 44.9942% | 6,852 |
| Net loans and leases to deposits | 50.3951% | 7,052 |
| Net loans and leases to core deposits | 57.2540% | 6,873 |
| Total domestic deposits to total assets | 89.2829% | 1,291 |
| Equity capital to assets | 10.2695% | 3,685 |
| Core capital (leverage) ratio | 9.1396% | 4,393 |
| Tier 1 risk-based capital ratio | 16.4970% | 2,471 |
| Total risk-based capital ratio | 17.7509% | 2,418 |
| Memoranda: | ||
| Average total assets | $357,558,000 | 1,873 |
| Average earning assets | $344,790,330 | 1,775 |
| Average equity | $36,680,670 | 1,814 |
| Average total loans | $169,733,000 | 2,546 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8887% | 5,515 |
| Cost of funding earning assets | 0.7400% | 7,251 |
| Net interest margin | 4.1487% | 2,241 |
| Noninterest income to average assets | 0.3823% | 5,072 |
| Noninterest expense to average assets | 1.7718% | 7,497 |
| Loan and lease loss provision to assets | 0.2236% | 4,259 |
| Net operating income to assets | 2.3855% | 177 |
| Return on assets (ROA) | 2.3855% | 196 |
| Pretax return on assets | 2.3855% | 296 |
| Return on Equity (ROE) | 23.2655% | 216 |
| Retained earnings to average equity (ytd only) | -14.5437% | 7,190 |
| Net charge-offs to loans | -0.0440% | 7,313 |
| Credit loss provision to net charge-offs | -1,052.6316% | 6,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4440% | 7,718 |
| Assets per employee ($millions) | 5.8329% | 1,382 |
| Cash dividends to net income (ytd only)* | 162.5117% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6960% | 3,075 |
| Loan loss allowance to noncurrent loans | 343.9197% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.2342% | 6,873 |
| Noncurrent loans to loans | 0.4932% | 6,312 |
| Net loans and leases to total assets | 46.6876% | 6,776 |
| Net loans and leases to deposits | 52.1752% | 7,029 |
| Net loans and leases to core deposits | 59.7757% | 6,769 |
| Total domestic deposits to total assets | 89.4823% | 1,253 |
| Equity capital to assets | 10.0136% | 3,853 |
| Core capital (leverage) ratio | 8.9310% | 4,677 |
| Tier 1 risk-based capital ratio | 15.1715% | 3,028 |
| Total risk-based capital ratio | 16.4232% | 2,988 |
| Memoranda: | ||
| Average total assets | $357,833,000 | 1,915 |
| Average earning assets | $344,877,500 | 1,816 |
| Average equity | $36,689,500 | 1,836 |
| Average total loans | $172,727,500 | 2,573 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2249% | 5,531 |
| Cost of funding earning assets | 0.8912% | 7,421 |
| Net interest margin | 4.3337% | 1,622 |
| Noninterest income to average assets | 0.3941% | 5,251 |
| Noninterest expense to average assets | 2.0064% | 7,361 |
| Loan and lease loss provision to assets | 0.1635% | 6,056 |
| Net operating income to assets | 2.2983% | 121 |
| Return on assets (ROA) | 2.2323% | 145 |
| Pretax return on assets | 2.2323% | 256 |
| Return on Equity (ROE) | 22.6638% | 142 |
| Retained earnings to average equity (ytd only) | 9.1609% | 476 |
| Net charge-offs to loans | 0.1145% | 6,021 |
| Credit loss provision to net charge-offs | 289.4737% | 1,158 |
| Earnings coverage of net charge-offs (x) | 43.5947% | 574 |
| Efficiency ratio | 44.9049% | 7,752 |
| Assets per employee ($millions) | 5.7101% | 1,455 |
| Cash dividends to net income (ytd only)* | 59.5793% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5509% | 3,473 |
| Loan loss allowance to noncurrent loans | 316.5687% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.2404% | 6,864 |
| Noncurrent loans to loans | 0.4899% | 6,276 |
| Net loans and leases to total assets | 48.3035% | 6,786 |
| Net loans and leases to deposits | 54.2354% | 7,038 |
| Net loans and leases to core deposits | 73.7320% | 6,551 |
| Total domestic deposits to total assets | 89.0627% | 1,455 |
| Equity capital to assets | 10.4980% | 3,181 |
| Core capital (leverage) ratio | 9.1290% | 4,230 |
| Tier 1 risk-based capital ratio | 15.5303% | 2,706 |
| Total risk-based capital ratio | 16.7805% | 2,651 |
| Memoranda: | ||
| Average total assets | $336,465,400 | 2,019 |
| Average earning assets | $316,310,400 | 1,973 |
| Average equity | $33,141,000 | 2,024 |
| Average total loans | $165,905,000 | 2,677 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3431% | 5,207 |
| Cost of funding earning assets | 0.9076% | 7,543 |
| Net interest margin | 4.4354% | 1,353 |
| Noninterest income to average assets | 0.4055% | 5,237 |
| Noninterest expense to average assets | 1.9722% | 7,436 |
| Loan and lease loss provision to assets | 0.0542% | 6,833 |
| Net operating income to assets | 2.5211% | 102 |
| Return on assets (ROA) | 2.4299% | 127 |
| Pretax return on assets | 2.4299% | 218 |
| Return on Equity (ROE) | 25.1103% | 106 |
| Retained earnings to average equity (ytd only) | 7.8293% | 1,189 |
| Net charge-offs to loans | 0.1082% | 5,588 |
| Credit loss provision to net charge-offs | 101.5038% | 5,014 |
| Earnings coverage of net charge-offs (x) | 48.2253% | 659 |
| Efficiency ratio | 43.3692% | 7,854 |
| Assets per employee ($millions) | 5.1592% | 1,955 |
| Cash dividends to net income (ytd only)* | 68.8202% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4002% | 3,941 |
| Loan loss allowance to noncurrent loans | 216.2963% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.3323% | 6,649 |
| Noncurrent loans to loans | 0.6473% | 6,002 |
| Net loans and leases to total assets | 50.6119% | 6,731 |
| Net loans and leases to deposits | 57.2115% | 7,013 |
| Net loans and leases to core deposits | 78.1643% | 6,472 |
| Total domestic deposits to total assets | 88.4647% | 1,449 |
| Equity capital to assets | 10.9064% | 3,109 |
| Core capital (leverage) ratio | 9.2283% | 4,295 |
| Tier 1 risk-based capital ratio | 15.9499% | 2,646 |
| Total risk-based capital ratio | 17.1221% | 2,606 |
| Memoranda: | ||
| Average total assets | $332,074,750 | 2,062 |
| Average earning assets | $310,100,000 | 2,027 |
| Average equity | $32,134,750 | 2,101 |
| Average total loans | $163,955,750 | 2,725 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4499% | 4,898 |
| Cost of funding earning assets | 0.9357% | 7,651 |
| Net interest margin | 4.5142% | 1,137 |
| Noninterest income to average assets | 0.3911% | 5,369 |
| Noninterest expense to average assets | 2.0088% | 7,450 |
| Loan and lease loss provision to assets | 0.0538% | 6,686 |
| Net operating income to assets | 2.5064% | 108 |
| Return on assets (ROA) | 2.3706% | 155 |
| Pretax return on assets | 2.3706% | 268 |
| Return on Equity (ROE) | 25.5495% | 129 |
| Retained earnings to average equity (ytd only) | 1.9207% | 4,273 |
| Net charge-offs to loans | 0.1890% | 4,372 |
| Credit loss provision to net charge-offs | 58.4416% | 5,619 |
| Earnings coverage of net charge-offs (x) | 27.7987% | 1,050 |
| Efficiency ratio | 43.9660% | 7,924 |
| Assets per employee ($millions) | 5.2310% | 1,833 |
| Cash dividends to net income (ytd only)* | 92.4823% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3817% | 3,827 |
| Loan loss allowance to noncurrent loans | 3,026.6667% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0228% | 7,571 |
| Noncurrent loans to loans | 0.0456% | 7,427 |
| Net loans and leases to total assets | 49.1648% | 6,945 |
| Net loans and leases to deposits | 54.8679% | 7,227 |
| Net loans and leases to core deposits | 74.5841% | 6,759 |
| Total domestic deposits to total assets | 89.6057% | 1,002 |
| Equity capital to assets | 9.7228% | 4,316 |
| Core capital (leverage) ratio | 8.5756% | 5,304 |
| Tier 1 risk-based capital ratio | 15.2138% | 2,931 |
| Total risk-based capital ratio | 16.3576% | 2,910 |
| Memoranda: | ||
| Average total assets | $334,423,670 | 2,078 |
| Average earning assets | $309,512,670 | 2,059 |
| Average equity | $31,030,000 | 2,180 |
| Average total loans | $162,994,670 | 2,768 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5487% | 4,646 |
| Cost of funding earning assets | 0.9730% | 7,715 |
| Net interest margin | 4.5757% | 980 |
| Noninterest income to average assets | 0.3776% | 5,408 |
| Noninterest expense to average assets | 1.9688% | 7,415 |
| Loan and lease loss provision to assets | 0.0534% | 6,298 |
| Net operating income to assets | 2.5435% | 122 |
| Return on assets (ROA) | 2.5411% | 149 |
| Pretax return on assets | 2.5411% | 236 |
| Return on Equity (ROE) | 28.0435% | 128 |
| Retained earnings to average equity (ytd only) | -6.6046% | 6,753 |
| Net charge-offs to loans | -0.0172% | 7,398 |
| Credit loss provision to net charge-offs | -642.8571% | 6,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1209% | 7,959 |
| Assets per employee ($millions) | 5.0654% | 2,006 |
| Cash dividends to net income (ytd only)* | 123.5514% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4650% | 3,166 |
| Loan loss allowance to noncurrent loans | 3,615.1515% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 7,569 |
| Noncurrent loans to loans | 0.0405% | 7,428 |
| Net loans and leases to total assets | 49.5012% | 6,900 |
| Net loans and leases to deposits | 54.9442% | 7,226 |
| Net loans and leases to core deposits | 74.8625% | 6,753 |
| Total domestic deposits to total assets | 90.0936% | 756 |
| Equity capital to assets | 9.4196% | 4,782 |
| Core capital (leverage) ratio | 8.2942% | 5,914 |
| Tier 1 risk-based capital ratio | 14.8548% | 3,135 |
| Total risk-based capital ratio | 16.0606% | 3,081 |
| Memoranda: | ||
| Average total assets | $336,858,000 | 2,067 |
| Average earning assets | $308,326,000 | 2,070 |
| Average equity | $30,524,000 | 2,228 |
| Average total loans | $162,344,500 | 2,807 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6453% | 6,946 |
| Cost of funding earning assets | 1.5573% | 7,523 |
| Net interest margin | 4.0880% | 2,765 |
| Noninterest income to average assets | 0.3654% | 5,791 |
| Noninterest expense to average assets | 1.8303% | 7,717 |
| Loan and lease loss provision to assets | 0.1671% | 5,247 |
| Net operating income to assets | 2.1307% | 273 |
| Return on assets (ROA) | 2.1304% | 267 |
| Pretax return on assets | 2.1304% | 460 |
| Return on Equity (ROE) | 25.0191% | 137 |
| Retained earnings to average equity (ytd only) | 9.6595% | 501 |
| Net charge-offs to loans | 0.0033% | 6,965 |
| Credit loss provision to net charge-offs | 11,000.0000% | 57 |
| Earnings coverage of net charge-offs (x) | 1,513.0000% | 25 |
| Efficiency ratio | 44.3382% | 8,003 |
| Assets per employee ($millions) | 5.6376% | 1,363 |
| Cash dividends to net income (ytd only)* | 61.3915% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4423% | 2,961 |
| Loan loss allowance to noncurrent loans | 7,293.7500% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 7,597 |
| Noncurrent loans to loans | 0.0198% | 7,439 |
| Net loans and leases to total assets | 45.6307% | 7,361 |
| Net loans and leases to deposits | 50.2966% | 7,616 |
| Net loans and leases to core deposits | 65.4569% | 7,380 |
| Total domestic deposits to total assets | 90.7233% | 417 |
| Equity capital to assets | 8.7292% | 5,763 |
| Core capital (leverage) ratio | 8.2556% | 6,043 |
| Tier 1 risk-based capital ratio | 15.2217% | 2,947 |
| Total risk-based capital ratio | 16.4099% | 2,897 |
| Memoranda: | ||
| Average total assets | $329,238,600 | 2,029 |
| Average earning assets | $303,030,200 | 2,016 |
| Average equity | $28,034,600 | 2,409 |
| Average total loans | $151,965,800 | 2,893 |