Home > Clear Mountain Bank > Performance and Condition Ratios
Clear Mountain Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0439% | 1,984 |
| Cost of funding earning assets | 1.3926% | 2,246 |
| Net interest margin | 3.6514% | 1,856 |
| Noninterest income to average assets | 0.7700% | 1,018 |
| Noninterest expense to average assets | 2.8278% | 1,439 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.0102% | 2,185 |
| Return on assets (ROA) | 1.0016% | 2,200 |
| Pretax return on assets | 1.2349% | 2,049 |
| Return on Equity (ROE) | 10.8800% | 2,259 |
| Retained earnings to average equity (ytd only) | 9.4631% | 1,140 |
| Net charge-offs to loans | 0.0286% | 1,730 |
| Credit loss provision to net charge-offs | 481.1111% | 695 |
| Earnings coverage of net charge-offs (x) | 67.8222% | 1,116 |
| Efficiency ratio | 68.0410% | 2,104 |
| Assets per employee ($millions) | 6.1800% | 2,667 |
| Cash dividends to net income (ytd only)* | 13.0350% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4094% | 1,358 |
| Loan loss allowance to noncurrent loans | 338.6282% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.2937% | 1,777 |
| Noncurrent loans to loans | 0.4162% | 1,737 |
| Net loans and leases to total assets | 68.9500% | 1,928 |
| Net loans and leases to deposits | 82.7591% | 1,893 |
| Net loans and leases to core deposits | 87.6682% | 2,198 |
| Total domestic deposits to total assets | 83.3100% | 2,805 |
| Equity capital to assets | 9.8125% | 2,115 |
| Core capital (leverage) ratio | 12.2152% | 1,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $919,132,600 | 1,062 |
| Average earning assets | $852,748,000 | 1,054 |
| Average equity | $84,602,000 | 1,086 |
| Average total loans | $629,127,600 | 1,058 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9354% | 1,984 |
| Cost of funding earning assets | 1.2696% | 2,225 |
| Net interest margin | 3.6659% | 1,852 |
| Noninterest income to average assets | 0.7900% | 971 |
| Noninterest expense to average assets | 2.8468% | 1,326 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.0058% | 2,348 |
| Return on assets (ROA) | 0.9917% | 2,374 |
| Pretax return on assets | 1.2574% | 2,156 |
| Return on Equity (ROE) | 10.9600% | 2,382 |
| Retained earnings to average equity (ytd only) | 9.9117% | 1,428 |
| Net charge-offs to loans | 0.0232% | 1,628 |
| Credit loss provision to net charge-offs | 521.2963% | 614 |
| Earnings coverage of net charge-offs (x) | 84.5926% | 1,015 |
| Efficiency ratio | 68.0414% | 2,010 |
| Assets per employee ($millions) | 6.0237% | 2,736 |
| Cash dividends to net income (ytd only)* | 9.5927% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4326% | 1,321 |
| Loan loss allowance to noncurrent loans | 477.2561% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.2118% | 2,201 |
| Noncurrent loans to loans | 0.3002% | 2,156 |
| Net loans and leases to total assets | 67.8600% | 2,058 |
| Net loans and leases to deposits | 80.7929% | 1,989 |
| Net loans and leases to core deposits | 85.3111% | 2,228 |
| Total domestic deposits to total assets | 83.9900% | 2,778 |
| Equity capital to assets | 8.5852% | 2,673 |
| Core capital (leverage) ratio | 12.0865% | 1,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $910,986,000 | 1,075 |
| Average earning assets | $842,376,000 | 1,068 |
| Average equity | $82,405,750 | 1,103 |
| Average total loans | $620,022,750 | 1,065 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7591% | 2,084 |
| Cost of funding earning assets | 1.0901% | 2,311 |
| Net interest margin | 3.6690% | 1,882 |
| Noninterest income to average assets | 0.7800% | 903 |
| Noninterest expense to average assets | 2.8786% | 1,260 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.9941% | 2,437 |
| Return on assets (ROA) | 0.9728% | 2,503 |
| Pretax return on assets | 1.2374% | 2,261 |
| Return on Equity (ROE) | 10.5700% | 2,538 |
| Retained earnings to average equity (ytd only) | 9.0102% | 1,682 |
| Net charge-offs to loans | 0.0450% | 1,057 |
| Credit loss provision to net charge-offs | 181.8841% | 1,090 |
| Earnings coverage of net charge-offs (x) | 42.5435% | 1,374 |
| Efficiency ratio | 68.9414% | 1,872 |
| Assets per employee ($millions) | 5.9412% | 2,761 |
| Cash dividends to net income (ytd only)* | 14.7593% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3876% | 1,576 |
| Loan loss allowance to noncurrent loans | 1,664.8393% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 3,148 |
| Noncurrent loans to loans | 0.0834% | 3,094 |
| Net loans and leases to total assets | 66.6700% | 2,089 |
| Net loans and leases to deposits | 79.7380% | 2,004 |
| Net loans and leases to core deposits | 84.1511% | 2,204 |
| Total domestic deposits to total assets | 83.6200% | 2,911 |
| Equity capital to assets | 9.1510% | 2,413 |
| Core capital (leverage) ratio | 12.0449% | 1,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $905,431,333 | 1,074 |
| Average earning assets | $836,790,667 | 1,071 |
| Average equity | $83,327,333 | 1,093 |
| Average total loans | $613,821,333 | 1,062 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6122% | 2,056 |
| Cost of funding earning assets | 0.8927% | 2,391 |
| Net interest margin | 3.7195% | 1,853 |
| Noninterest income to average assets | 0.8500% | 761 |
| Noninterest expense to average assets | 2.8226% | 1,388 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.1063% | 2,206 |
| Return on assets (ROA) | 1.0630% | 2,313 |
| Pretax return on assets | 1.3411% | 2,055 |
| Return on Equity (ROE) | 11.5100% | 2,351 |
| Retained earnings to average equity (ytd only) | 11.5104% | 1,358 |
| Net charge-offs to loans | 0.0742% | 704 |
| Credit loss provision to net charge-offs | 133.9286% | 993 |
| Earnings coverage of net charge-offs (x) | 29.0357% | 1,321 |
| Efficiency ratio | 65.8547% | 2,223 |
| Assets per employee ($millions) | 5.6411% | 3,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4223% | 1,531 |
| Loan loss allowance to noncurrent loans | 847.7670% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.1278% | 2,621 |
| Noncurrent loans to loans | 0.1678% | 2,651 |
| Net loans and leases to total assets | 67.4700% | 1,902 |
| Net loans and leases to deposits | 76.8129% | 2,053 |
| Net loans and leases to core deposits | 81.0483% | 2,180 |
| Total domestic deposits to total assets | 87.8400% | 1,978 |
| Equity capital to assets | 9.4510% | 2,182 |
| Core capital (leverage) ratio | 12.2836% | 1,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $888,835,000 | 1,111 |
| Average earning assets | $820,858,000 | 1,100 |
| Average equity | $82,082,500 | 1,117 |
| Average total loans | $603,395,500 | 1,086 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9724% | 1,784 |
| Cost of funding earning assets | 0.3722% | 2,312 |
| Net interest margin | 3.6002% | 1,643 |
| Noninterest income to average assets | 0.8500% | 895 |
| Noninterest expense to average assets | 2.8668% | 1,183 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.0564% | 2,352 |
| Return on assets (ROA) | 1.0473% | 2,331 |
| Pretax return on assets | 1.3051% | 2,070 |
| Return on Equity (ROE) | 10.8800% | 2,516 |
| Retained earnings to average equity (ytd only) | 9.6199% | 1,271 |
| Net charge-offs to loans | 0.0309% | 1,451 |
| Credit loss provision to net charge-offs | 75.1445% | 1,701 |
| Earnings coverage of net charge-offs (x) | 66.7110% | 1,184 |
| Efficiency ratio | 68.2870% | 1,928 |
| Assets per employee ($millions) | 5.5743% | 3,148 |
| Cash dividends to net income (ytd only)* | 11.5652% | 3,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6284% | 924 |
| Loan loss allowance to noncurrent loans | 649.2266% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.1820% | 2,275 |
| Noncurrent loans to loans | 0.2508% | 2,272 |
| Net loans and leases to total assets | 66.2200% | 2,016 |
| Net loans and leases to deposits | 76.0473% | 2,090 |
| Net loans and leases to core deposits | 79.8618% | 2,147 |
| Total domestic deposits to total assets | 87.0800% | 2,369 |
| Equity capital to assets | 9.0148% | 2,345 |
| Core capital (leverage) ratio | 12.2391% | 1,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $866,859,200 | 1,117 |
| Average earning assets | $805,515,000 | 1,104 |
| Average equity | $83,462,200 | 1,095 |
| Average total loans | $560,401,000 | 1,089 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8216% | 1,681 |
| Cost of funding earning assets | 0.3065% | 2,098 |
| Net interest margin | 3.5151% | 1,627 |
| Noninterest income to average assets | 0.8600% | 906 |
| Noninterest expense to average assets | 2.7837% | 1,276 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.0763% | 2,181 |
| Return on assets (ROA) | 1.0642% | 2,196 |
| Pretax return on assets | 1.3251% | 1,965 |
| Return on Equity (ROE) | 10.8800% | 2,427 |
| Retained earnings to average equity (ytd only) | 9.6921% | 1,433 |
| Net charge-offs to loans | 0.0292% | 1,244 |
| Credit loss provision to net charge-offs | 41.3223% | 1,559 |
| Earnings coverage of net charge-offs (x) | 72.1405% | 1,094 |
| Efficiency ratio | 67.3743% | 2,107 |
| Assets per employee ($millions) | 5.3994% | 3,329 |
| Cash dividends to net income (ytd only)* | 10.8838% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6961% | 883 |
| Loan loss allowance to noncurrent loans | 460.7946% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.2628% | 1,903 |
| Noncurrent loans to loans | 0.3681% | 1,923 |
| Net loans and leases to total assets | 65.4000% | 1,945 |
| Net loans and leases to deposits | 72.3689% | 2,174 |
| Net loans and leases to core deposits | 75.8031% | 2,210 |
| Total domestic deposits to total assets | 90.3700% | 1,492 |
| Equity capital to assets | 8.4161% | 2,596 |
| Core capital (leverage) ratio | 12.0662% | 1,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $863,390,500 | 1,129 |
| Average earning assets | $803,483,000 | 1,112 |
| Average equity | $84,478,750 | 1,094 |
| Average total loans | $552,284,750 | 1,095 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6671% | 1,630 |
| Cost of funding earning assets | 0.2775% | 1,932 |
| Net interest margin | 3.3896% | 1,635 |
| Noninterest income to average assets | 0.8477% | 947 |
| Noninterest expense to average assets | 2.7023% | 1,387 |
| Loan and lease loss provision to assets | 0.0438% | 1,780 |
| Net operating income to assets | 1.0236% | 2,077 |
| Return on assets (ROA) | 0.9974% | 2,136 |
| Pretax return on assets | 1.2342% | 1,949 |
| Return on Equity (ROE) | 9.7468% | 2,426 |
| Retained earnings to average equity (ytd only) | 8.3941% | 1,477 |
| Net charge-offs to loans | 0.0077% | 1,713 |
| Credit loss provision to net charge-offs | 904.7619% | 435 |
| Earnings coverage of net charge-offs (x) | 270.4286% | 435 |
| Efficiency ratio | 67.3452% | 2,332 |
| Assets per employee ($millions) | 5.3863% | 3,350 |
| Cash dividends to net income (ytd only)* | 13.8793% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7810% | 836 |
| Loan loss allowance to noncurrent loans | 583.0969% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.2091% | 2,270 |
| Noncurrent loans to loans | 0.3054% | 2,237 |
| Net loans and leases to total assets | 63.5317% | 1,963 |
| Net loans and leases to deposits | 70.6158% | 2,144 |
| Net loans and leases to core deposits | 74.0135% | 2,172 |
| Total domestic deposits to total assets | 89.9681% | 1,718 |
| Equity capital to assets | 9.2916% | 2,165 |
| Core capital (leverage) ratio | 11.7859% | 1,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $866,821,000 | 1,117 |
| Average earning assets | $809,354,667 | 1,109 |
| Average equity | $88,705,667 | 1,066 |
| Average total loans | $547,199,333 | 1,095 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5591% | 1,627 |
| Cost of funding earning assets | 0.2686% | 1,943 |
| Net interest margin | 3.2906% | 1,590 |
| Noninterest income to average assets | 0.8353% | 964 |
| Noninterest expense to average assets | 2.6110% | 1,573 |
| Loan and lease loss provision to assets | 0.0229% | 1,949 |
| Net operating income to assets | 1.0229% | 1,790 |
| Return on assets (ROA) | 1.0229% | 1,779 |
| Pretax return on assets | 1.2871% | 1,548 |
| Return on Equity (ROE) | 9.5636% | 2,133 |
| Retained earnings to average equity (ytd only) | 7.6337% | 1,692 |
| Net charge-offs to loans | -0.0007% | 2,991 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5887% | 2,691 |
| Assets per employee ($millions) | 5.4413% | 3,356 |
| Cash dividends to net income (ytd only)* | 20.1794% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7986% | 884 |
| Loan loss allowance to noncurrent loans | 470.9662% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.2491% | 2,149 |
| Noncurrent loans to loans | 0.3819% | 2,121 |
| Net loans and leases to total assets | 61.1376% | 1,948 |
| Net loans and leases to deposits | 68.5656% | 2,092 |
| Net loans and leases to core deposits | 71.9108% | 2,123 |
| Total domestic deposits to total assets | 89.1666% | 1,995 |
| Equity capital to assets | 10.1162% | 1,815 |
| Core capital (leverage) ratio | 11.4477% | 1,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $872,017,500 | 1,110 |
| Average earning assets | $817,724,500 | 1,103 |
| Average equity | $93,270,500 | 1,049 |
| Average total loans | $543,814,500 | 1,092 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9776% | 1,414 |
| Cost of funding earning assets | 0.3487% | 1,942 |
| Net interest margin | 3.6289% | 1,387 |
| Noninterest income to average assets | 1.1369% | 812 |
| Noninterest expense to average assets | 2.7896% | 1,389 |
| Loan and lease loss provision to assets | 0.0391% | 2,257 |
| Net operating income to assets | 1.3634% | 1,401 |
| Return on assets (ROA) | 1.3665% | 1,441 |
| Pretax return on assets | 1.7240% | 1,085 |
| Return on Equity (ROE) | 11.8741% | 1,861 |
| Retained earnings to average equity (ytd only) | 7.6629% | 1,670 |
| Net charge-offs to loans | 0.0225% | 1,809 |
| Credit loss provision to net charge-offs | 262.0968% | 1,142 |
| Earnings coverage of net charge-offs (x) | 117.8226% | 795 |
| Efficiency ratio | 61.3267% | 2,964 |
| Assets per employee ($millions) | 5.5989% | 3,162 |
| Cash dividends to net income (ytd only)* | 35.4657% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7773% | 905 |
| Loan loss allowance to noncurrent loans | 483.1589% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.2395% | 2,359 |
| Noncurrent loans to loans | 0.3678% | 2,266 |
| Net loans and leases to total assets | 61.3577% | 2,023 |
| Net loans and leases to deposits | 69.5909% | 2,169 |
| Net loans and leases to core deposits | 73.0301% | 2,159 |
| Total domestic deposits to total assets | 88.1691% | 1,947 |
| Equity capital to assets | 11.2738% | 1,625 |
| Core capital (leverage) ratio | 11.2109% | 1,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $830,516,400 | 1,117 |
| Average earning assets | $780,852,200 | 1,114 |
| Average equity | $95,577,800 | 1,041 |
| Average total loans | $552,001,400 | 1,085 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0691% | 1,373 |
| Cost of funding earning assets | 0.3695% | 1,943 |
| Net interest margin | 3.6996% | 1,333 |
| Noninterest income to average assets | 1.1773% | 828 |
| Noninterest expense to average assets | 2.7636% | 1,420 |
| Loan and lease loss provision to assets | 0.0350% | 2,300 |
| Net operating income to assets | 1.4709% | 1,336 |
| Return on assets (ROA) | 1.4751% | 1,377 |
| Pretax return on assets | 1.8608% | 1,022 |
| Return on Equity (ROE) | 12.7489% | 1,784 |
| Retained earnings to average equity (ytd only) | 8.1807% | 2,002 |
| Net charge-offs to loans | 0.0332% | 1,406 |
| Credit loss provision to net charge-offs | 155.7971% | 1,337 |
| Earnings coverage of net charge-offs (x) | 84.2246% | 950 |
| Efficiency ratio | 59.3814% | 3,081 |
| Assets per employee ($millions) | 5.5087% | 3,194 |
| Cash dividends to net income (ytd only)* | 35.8324% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7435% | 1,022 |
| Loan loss allowance to noncurrent loans | 401.8892% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.2963% | 2,290 |
| Noncurrent loans to loans | 0.4338% | 2,257 |
| Net loans and leases to total assets | 64.0107% | 1,776 |
| Net loans and leases to deposits | 72.8344% | 1,976 |
| Net loans and leases to core deposits | 76.5392% | 1,996 |
| Total domestic deposits to total assets | 87.8852% | 1,910 |
| Equity capital to assets | 11.4791% | 1,698 |
| Core capital (leverage) ratio | 11.4425% | 1,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $819,789,750 | 1,137 |
| Average earning assets | $770,378,000 | 1,132 |
| Average equity | $94,855,250 | 1,066 |
| Average total loans | $553,599,500 | 1,104 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0741% | 1,397 |
| Cost of funding earning assets | 0.3872% | 1,992 |
| Net interest margin | 3.6869% | 1,382 |
| Noninterest income to average assets | 1.1607% | 849 |
| Noninterest expense to average assets | 2.6891% | 1,618 |
| Loan and lease loss provision to assets | 0.0308% | 2,363 |
| Net operating income to assets | 1.5209% | 1,244 |
| Return on assets (ROA) | 1.5274% | 1,291 |
| Pretax return on assets | 1.9121% | 996 |
| Return on Equity (ROE) | 13.1644% | 1,659 |
| Retained earnings to average equity (ytd only) | 10.5112% | 1,250 |
| Net charge-offs to loans | -0.0249% | 4,077 |
| Credit loss provision to net charge-offs | -181.1594% | 3,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1571% | 3,265 |
| Assets per employee ($millions) | 5.4613% | 3,175 |
| Cash dividends to net income (ytd only)* | 20.1548% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7427% | 980 |
| Loan loss allowance to noncurrent loans | 323.4646% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.3728% | 2,113 |
| Noncurrent loans to loans | 0.5388% | 2,054 |
| Net loans and leases to total assets | 65.3925% | 1,769 |
| Net loans and leases to deposits | 74.4870% | 1,954 |
| Net loans and leases to core deposits | 78.3634% | 2,020 |
| Total domestic deposits to total assets | 87.7904% | 1,938 |
| Equity capital to assets | 11.5902% | 1,575 |
| Core capital (leverage) ratio | 11.4454% | 1,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $812,107,667 | 1,139 |
| Average earning assets | $762,816,000 | 1,133 |
| Average equity | $94,223,667 | 1,065 |
| Average total loans | $555,106,667 | 1,103 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0163% | 1,576 |
| Cost of funding earning assets | 0.4107% | 2,004 |
| Net interest margin | 3.6056% | 1,569 |
| Noninterest income to average assets | 1.1595% | 902 |
| Noninterest expense to average assets | 2.7037% | 1,613 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4178% | 1,528 |
| Return on assets (ROA) | 1.4308% | 1,567 |
| Pretax return on assets | 1.8551% | 1,186 |
| Return on Equity (ROE) | 12.3255% | 1,892 |
| Retained earnings to average equity (ytd only) | 11.6797% | 1,233 |
| Net charge-offs to loans | -0.0757% | 4,546 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5225% | 3,084 |
| Assets per employee ($millions) | 5.4841% | 3,135 |
| Cash dividends to net income (ytd only)* | 5.2393% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7105% | 1,023 |
| Loan loss allowance to noncurrent loans | 309.3106% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.3763% | 2,296 |
| Noncurrent loans to loans | 0.5530% | 2,200 |
| Net loans and leases to total assets | 66.1839% | 1,778 |
| Net loans and leases to deposits | 75.1257% | 2,004 |
| Net loans and leases to core deposits | 79.2258% | 2,075 |
| Total domestic deposits to total assets | 88.0975% | 1,793 |
| Equity capital to assets | 11.2210% | 1,707 |
| Core capital (leverage) ratio | 11.8583% | 1,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $800,374,000 | 1,142 |
| Average earning assets | $750,942,000 | 1,137 |
| Average equity | $92,913,000 | 1,069 |
| Average total loans | $554,613,000 | 1,105 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3738% | 1,658 |
| Cost of funding earning assets | 0.5829% | 2,425 |
| Net interest margin | 3.7909% | 1,523 |
| Noninterest income to average assets | 1.4168% | 591 |
| Noninterest expense to average assets | 2.9253% | 1,616 |
| Loan and lease loss provision to assets | 0.2590% | 1,498 |
| Net operating income to assets | 1.4021% | 1,013 |
| Return on assets (ROA) | 1.4021% | 1,102 |
| Pretax return on assets | 1.7959% | 689 |
| Return on Equity (ROE) | 11.8219% | 1,377 |
| Retained earnings to average equity (ytd only) | 10.5739% | 484 |
| Net charge-offs to loans | 0.0488% | 2,098 |
| Credit loss provision to net charge-offs | 730.3150% | 975 |
| Earnings coverage of net charge-offs (x) | 57.9370% | 1,089 |
| Efficiency ratio | 58.7383% | 3,625 |
| Assets per employee ($millions) | 5.0362% | 3,357 |
| Cash dividends to net income (ytd only)* | 10.5567% | 3,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7331% | 974 |
| Loan loss allowance to noncurrent loans | 297.9605% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.4307% | 2,288 |
| Noncurrent loans to loans | 0.5816% | 2,247 |
| Net loans and leases to total assets | 70.3365% | 1,514 |
| Net loans and leases to deposits | 80.3969% | 1,818 |
| Net loans and leases to core deposits | 85.0716% | 1,949 |
| Total domestic deposits to total assets | 87.4867% | 1,713 |
| Equity capital to assets | 11.8349% | 1,660 |
| Core capital (leverage) ratio | 11.6071% | 1,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $716,142,400 | 1,154 |
| Average earning assets | $673,161,400 | 1,144 |
| Average equity | $84,935,800 | 1,098 |
| Average total loans | $520,507,400 | 1,101 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4459% | 1,712 |
| Cost of funding earning assets | 0.6158% | 2,512 |
| Net interest margin | 3.8301% | 1,540 |
| Noninterest income to average assets | 1.3121% | 628 |
| Noninterest expense to average assets | 2.9011% | 1,702 |
| Loan and lease loss provision to assets | 0.2614% | 1,554 |
| Net operating income to assets | 1.3710% | 1,175 |
| Return on assets (ROA) | 1.3710% | 1,271 |
| Pretax return on assets | 1.7504% | 869 |
| Return on Equity (ROE) | 11.5530% | 1,494 |
| Retained earnings to average equity (ytd only) | 10.3397% | 698 |
| Net charge-offs to loans | 0.0270% | 2,295 |
| Credit loss provision to net charge-offs | 1,326.9231% | 683 |
| Earnings coverage of net charge-offs (x) | 102.1154% | 780 |
| Efficiency ratio | 59.0499% | 3,511 |
| Assets per employee ($millions) | 4.9798% | 3,273 |
| Cash dividends to net income (ytd only)* | 10.5016% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6654% | 949 |
| Loan loss allowance to noncurrent loans | 328.3566% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.4048% | 2,552 |
| Noncurrent loans to loans | 0.5072% | 2,526 |
| Net loans and leases to total assets | 71.0738% | 1,805 |
| Net loans and leases to deposits | 80.9813% | 2,200 |
| Net loans and leases to core deposits | 85.4539% | 2,347 |
| Total domestic deposits to total assets | 87.7657% | 1,311 |
| Equity capital to assets | 11.5075% | 1,999 |
| Core capital (leverage) ratio | 11.3461% | 1,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $703,802,000 | 1,155 |
| Average earning assets | $661,692,250 | 1,147 |
| Average equity | $83,520,500 | 1,108 |
| Average total loans | $513,653,000 | 1,105 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5898% | 1,665 |
| Cost of funding earning assets | 0.6606% | 2,625 |
| Net interest margin | 3.9293% | 1,501 |
| Noninterest income to average assets | 1.1989% | 697 |
| Noninterest expense to average assets | 2.9373% | 1,745 |
| Loan and lease loss provision to assets | 0.2592% | 1,630 |
| Net operating income to assets | 1.3372% | 1,256 |
| Return on assets (ROA) | 1.3372% | 1,355 |
| Pretax return on assets | 1.6925% | 1,015 |
| Return on Equity (ROE) | 11.1426% | 1,589 |
| Retained earnings to average equity (ytd only) | 9.9251% | 805 |
| Net charge-offs to loans | 0.0555% | 1,705 |
| Credit loss provision to net charge-offs | 638.1295% | 1,063 |
| Earnings coverage of net charge-offs (x) | 48.0504% | 1,132 |
| Efficiency ratio | 60.0801% | 3,403 |
| Assets per employee ($millions) | 4.7875% | 3,425 |
| Cash dividends to net income (ytd only)* | 10.9266% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6520% | 905 |
| Loan loss allowance to noncurrent loans | 268.0000% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.4777% | 2,408 |
| Noncurrent loans to loans | 0.6164% | 2,318 |
| Net loans and leases to total assets | 69.7895% | 2,058 |
| Net loans and leases to deposits | 79.4913% | 2,489 |
| Net loans and leases to core deposits | 84.4058% | 2,579 |
| Total domestic deposits to total assets | 87.7951% | 1,287 |
| Equity capital to assets | 11.5325% | 1,948 |
| Core capital (leverage) ratio | 11.4102% | 1,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $684,435,333 | 1,166 |
| Average earning assets | $642,768,000 | 1,152 |
| Average equity | $82,135,333 | 1,113 |
| Average total loans | $501,309,333 | 1,115 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8421% | 1,327 |
| Cost of funding earning assets | 0.7430% | 2,705 |
| Net interest margin | 4.0991% | 1,136 |
| Noninterest income to average assets | 1.0523% | 773 |
| Noninterest expense to average assets | 3.1464% | 1,533 |
| Loan and lease loss provision to assets | 0.2091% | 1,464 |
| Net operating income to assets | 1.1769% | 1,592 |
| Return on assets (ROA) | 1.1769% | 1,713 |
| Pretax return on assets | 1.5398% | 1,207 |
| Return on Equity (ROE) | 9.5972% | 1,876 |
| Retained earnings to average equity (ytd only) | 8.2340% | 1,163 |
| Net charge-offs to loans | 0.1460% | 870 |
| Credit loss provision to net charge-offs | 192.1788% | 1,437 |
| Earnings coverage of net charge-offs (x) | 16.0726% | 1,540 |
| Efficiency ratio | 64.2742% | 3,194 |
| Assets per employee ($millions) | 4.3339% | 3,494 |
| Cash dividends to net income (ytd only)* | 14.2045% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6349% | 988 |
| Loan loss allowance to noncurrent loans | 299.9628% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.4532% | 2,654 |
| Noncurrent loans to loans | 0.5450% | 2,633 |
| Net loans and leases to total assets | 72.6591% | 1,830 |
| Net loans and leases to deposits | 83.7175% | 2,265 |
| Net loans and leases to core deposits | 89.4732% | 2,398 |
| Total domestic deposits to total assets | 86.7908% | 1,652 |
| Equity capital to assets | 12.2800% | 1,865 |
| Core capital (leverage) ratio | 12.5165% | 1,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $658,018,000 | 1,176 |
| Average earning assets | $616,919,500 | 1,157 |
| Average equity | $80,690,000 | 1,126 |
| Average total loans | $490,374,000 | 1,109 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9036% | 1,740 |
| Cost of funding earning assets | 0.8094% | 2,634 |
| Net interest margin | 4.0941% | 1,559 |
| Noninterest income to average assets | 1.1351% | 727 |
| Noninterest expense to average assets | 3.1116% | 1,729 |
| Loan and lease loss provision to assets | 0.1515% | 1,402 |
| Net operating income to assets | 1.3359% | 1,561 |
| Return on assets (ROA) | 1.3359% | 1,637 |
| Pretax return on assets | 1.7158% | 1,149 |
| Return on Equity (ROE) | 11.2087% | 1,807 |
| Retained earnings to average equity (ytd only) | 9.7205% | 547 |
| Net charge-offs to loans | 0.1501% | 1,324 |
| Credit loss provision to net charge-offs | 135.5430% | 1,892 |
| Earnings coverage of net charge-offs (x) | 16.7052% | 2,149 |
| Efficiency ratio | 62.4953% | 3,292 |
| Assets per employee ($millions) | 4.2118% | 3,624 |
| Cash dividends to net income (ytd only)* | 13.2775% | 3,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6187% | 939 |
| Loan loss allowance to noncurrent loans | 268.2637% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.4974% | 2,421 |
| Noncurrent loans to loans | 0.6034% | 2,374 |
| Net loans and leases to total assets | 73.9809% | 1,758 |
| Net loans and leases to deposits | 85.1370% | 2,191 |
| Net loans and leases to core deposits | 90.9096% | 2,333 |
| Total domestic deposits to total assets | 86.8962% | 1,661 |
| Equity capital to assets | 12.2447% | 1,984 |
| Core capital (leverage) ratio | 12.2496% | 1,628 |
| Tier 1 risk-based capital ratio | 16.2380% | 2,318 |
| Total risk-based capital ratio | 17.4922% | 2,261 |
| Memoranda: | ||
| Average total assets | $634,277,800 | 1,173 |
| Average earning assets | $595,484,400 | 1,161 |
| Average equity | $75,593,000 | 1,141 |
| Average total loans | $472,293,000 | 1,128 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8953% | 1,831 |
| Cost of funding earning assets | 0.8101% | 2,657 |
| Net interest margin | 4.0852% | 1,657 |
| Noninterest income to average assets | 1.1054% | 747 |
| Noninterest expense to average assets | 3.0455% | 1,844 |
| Loan and lease loss provision to assets | 0.1505% | 1,256 |
| Net operating income to assets | 1.3640% | 1,596 |
| Return on assets (ROA) | 1.3640% | 1,666 |
| Pretax return on assets | 1.7472% | 1,205 |
| Return on Equity (ROE) | 11.5259% | 1,796 |
| Retained earnings to average equity (ytd only) | 10.0075% | 748 |
| Net charge-offs to loans | 0.1543% | 1,070 |
| Credit loss provision to net charge-offs | 131.3653% | 1,812 |
| Earnings coverage of net charge-offs (x) | 16.5627% | 2,136 |
| Efficiency ratio | 61.6089% | 3,387 |
| Assets per employee ($millions) | 4.1891% | 3,633 |
| Cash dividends to net income (ytd only)* | 13.1743% | 3,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6408% | 923 |
| Loan loss allowance to noncurrent loans | 279.0357% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.5195% | 2,449 |
| Noncurrent loans to loans | 0.5880% | 2,522 |
| Net loans and leases to total assets | 71.6702% | 2,227 |
| Net loans and leases to deposits | 82.2003% | 2,660 |
| Net loans and leases to core deposits | 87.3627% | 2,796 |
| Total domestic deposits to total assets | 87.1898% | 1,435 |
| Equity capital to assets | 11.9186% | 2,316 |
| Core capital (leverage) ratio | 12.1806% | 1,744 |
| Tier 1 risk-based capital ratio | 16.4988% | 2,268 |
| Total risk-based capital ratio | 17.7535% | 2,201 |
| Memoranda: | ||
| Average total assets | $630,691,500 | 1,180 |
| Average earning assets | $592,499,750 | 1,164 |
| Average equity | $74,635,750 | 1,151 |
| Average total loans | $468,428,250 | 1,138 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8871% | 1,789 |
| Cost of funding earning assets | 0.7990% | 2,646 |
| Net interest margin | 4.0881% | 1,639 |
| Noninterest income to average assets | 1.0567% | 774 |
| Noninterest expense to average assets | 3.0233% | 1,938 |
| Loan and lease loss provision to assets | 0.1598% | 1,136 |
| Net operating income to assets | 1.3507% | 1,573 |
| Return on assets (ROA) | 1.3507% | 1,637 |
| Pretax return on assets | 1.7163% | 1,240 |
| Return on Equity (ROE) | 11.4422% | 1,809 |
| Retained earnings to average equity (ytd only) | 9.6748% | 856 |
| Net charge-offs to loans | 0.2155% | 772 |
| Credit loss provision to net charge-offs | 99.2032% | 2,017 |
| Earnings coverage of net charge-offs (x) | 11.6434% | 2,196 |
| Efficiency ratio | 61.7073% | 3,478 |
| Assets per employee ($millions) | 4.2880% | 3,452 |
| Cash dividends to net income (ytd only)* | 15.4468% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6291% | 962 |
| Loan loss allowance to noncurrent loans | 284.9310% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.5215% | 2,470 |
| Noncurrent loans to loans | 0.5717% | 2,545 |
| Net loans and leases to total assets | 72.1977% | 2,183 |
| Net loans and leases to deposits | 82.8166% | 2,643 |
| Net loans and leases to core deposits | 88.8890% | 2,712 |
| Total domestic deposits to total assets | 87.1778% | 1,507 |
| Equity capital to assets | 11.8765% | 2,282 |
| Core capital (leverage) ratio | 12.0824% | 1,770 |
| Tier 1 risk-based capital ratio | 16.5261% | 2,225 |
| Total risk-based capital ratio | 17.7808% | 2,178 |
| Memoranda: | ||
| Average total assets | $623,091,000 | 1,189 |
| Average earning assets | $585,699,330 | 1,173 |
| Average equity | $73,552,000 | 1,162 |
| Average total loans | $465,846,670 | 1,141 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8421% | 1,787 |
| Cost of funding earning assets | 0.7671% | 2,700 |
| Net interest margin | 4.0750% | 1,623 |
| Noninterest income to average assets | 1.0000% | 809 |
| Noninterest expense to average assets | 2.9461% | 2,143 |
| Loan and lease loss provision to assets | 0.1554% | 1,078 |
| Net operating income to assets | 1.3199% | 1,625 |
| Return on assets (ROA) | 1.3199% | 1,669 |
| Pretax return on assets | 1.7289% | 1,146 |
| Return on Equity (ROE) | 11.2173% | 1,859 |
| Retained earnings to average equity (ytd only) | 9.8359% | 1,079 |
| Net charge-offs to loans | 0.0500% | 1,568 |
| Credit loss provision to net charge-offs | 412.0690% | 680 |
| Earnings coverage of net charge-offs (x) | 49.9655% | 1,028 |
| Efficiency ratio | 60.9907% | 3,680 |
| Assets per employee ($millions) | 4.0708% | 3,820 |
| Cash dividends to net income (ytd only)* | 12.3153% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6891% | 879 |
| Loan loss allowance to noncurrent loans | 212.7822% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.6598% | 2,114 |
| Noncurrent loans to loans | 0.7938% | 2,051 |
| Net loans and leases to total assets | 72.6387% | 2,055 |
| Net loans and leases to deposits | 83.2172% | 2,477 |
| Net loans and leases to core deposits | 89.4041% | 2,565 |
| Total domestic deposits to total assets | 87.2881% | 1,668 |
| Equity capital to assets | 11.7344% | 2,201 |
| Core capital (leverage) ratio | 12.2092% | 1,655 |
| Tier 1 risk-based capital ratio | 16.4193% | 2,296 |
| Total risk-based capital ratio | 17.6750% | 2,239 |
| Memoranda: | ||
| Average total assets | $615,182,500 | 1,205 |
| Average earning assets | $578,264,500 | 1,192 |
| Average equity | $72,388,000 | 1,176 |
| Average total loans | $464,312,000 | 1,149 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7587% | 1,648 |
| Cost of funding earning assets | 0.6038% | 2,685 |
| Net interest margin | 4.1549% | 1,518 |
| Noninterest income to average assets | 1.0593% | 838 |
| Noninterest expense to average assets | 3.0383% | 1,973 |
| Loan and lease loss provision to assets | 0.2156% | 843 |
| Net operating income to assets | 1.3061% | 1,770 |
| Return on assets (ROA) | 1.3065% | 1,754 |
| Pretax return on assets | 1.7048% | 1,158 |
| Return on Equity (ROE) | 11.4582% | 1,913 |
| Retained earnings to average equity (ytd only) | 9.6924% | 683 |
| Net charge-offs to loans | 0.1979% | 968 |
| Credit loss provision to net charge-offs | 141.9890% | 1,911 |
| Earnings coverage of net charge-offs (x) | 12.6442% | 2,517 |
| Efficiency ratio | 61.2784% | 3,651 |
| Assets per employee ($millions) | 3.9702% | 3,934 |
| Cash dividends to net income (ytd only)* | 15.4103% | 3,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6421% | 937 |
| Loan loss allowance to noncurrent loans | 145.4424% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.9217% | 1,495 |
| Noncurrent loans to loans | 1.1291% | 1,421 |
| Net loans and leases to total assets | 75.8595% | 1,638 |
| Net loans and leases to deposits | 87.0034% | 2,163 |
| Net loans and leases to core deposits | 93.2106% | 2,296 |
| Total domestic deposits to total assets | 87.1913% | 1,686 |
| Equity capital to assets | 11.8007% | 2,033 |
| Core capital (leverage) ratio | 12.0505% | 1,705 |
| Tier 1 risk-based capital ratio | 16.0605% | 2,386 |
| Total risk-based capital ratio | 17.3157% | 2,326 |
| Memoranda: | ||
| Average total assets | $596,028,200 | 1,208 |
| Average earning assets | $559,285,600 | 1,203 |
| Average equity | $67,960,200 | 1,190 |
| Average total loans | $457,275,000 | 1,134 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6898% | 1,708 |
| Cost of funding earning assets | 0.5748% | 2,664 |
| Net interest margin | 4.1149% | 1,588 |
| Noninterest income to average assets | 1.0383% | 885 |
| Noninterest expense to average assets | 2.9490% | 2,169 |
| Loan and lease loss provision to assets | 0.2210% | 750 |
| Net operating income to assets | 1.3234% | 1,764 |
| Return on assets (ROA) | 1.3239% | 1,771 |
| Pretax return on assets | 1.7290% | 1,210 |
| Return on Equity (ROE) | 11.7153% | 1,901 |
| Retained earnings to average equity (ytd only) | 10.9210% | 663 |
| Net charge-offs to loans | 0.1956% | 858 |
| Credit loss provision to net charge-offs | 147.4551% | 1,733 |
| Earnings coverage of net charge-offs (x) | 13.0046% | 2,405 |
| Efficiency ratio | 60.2043% | 3,791 |
| Assets per employee ($millions) | 4.0186% | 3,856 |
| Cash dividends to net income (ytd only)* | 6.7797% | 3,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6161% | 1,039 |
| Loan loss allowance to noncurrent loans | 159.1768% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.8796% | 1,677 |
| Noncurrent loans to loans | 1.0153% | 1,688 |
| Net loans and leases to total assets | 77.0678% | 1,491 |
| Net loans and leases to deposits | 88.1691% | 2,134 |
| Net loans and leases to core deposits | 94.2514% | 2,265 |
| Total domestic deposits to total assets | 87.4091% | 1,539 |
| Equity capital to assets | 11.6248% | 2,160 |
| Core capital (leverage) ratio | 12.1161% | 1,715 |
| Tier 1 risk-based capital ratio | 15.6687% | 2,576 |
| Total risk-based capital ratio | 16.9236% | 2,518 |
| Memoranda: | ||
| Average total assets | $594,168,750 | 1,214 |
| Average earning assets | $557,368,750 | 1,210 |
| Average equity | $67,147,000 | 1,202 |
| Average total loans | $455,236,500 | 1,140 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5975% | 1,791 |
| Cost of funding earning assets | 0.5440% | 2,660 |
| Net interest margin | 4.0536% | 1,688 |
| Noninterest income to average assets | 0.9983% | 965 |
| Noninterest expense to average assets | 2.9323% | 2,253 |
| Loan and lease loss provision to assets | 0.2025% | 843 |
| Net operating income to assets | 1.2787% | 1,863 |
| Return on assets (ROA) | 1.2787% | 1,866 |
| Pretax return on assets | 1.6685% | 1,302 |
| Return on Equity (ROE) | 11.4251% | 1,940 |
| Retained earnings to average equity (ytd only) | 10.2190% | 866 |
| Net charge-offs to loans | 0.1820% | 864 |
| Credit loss provision to net charge-offs | 146.3415% | 1,600 |
| Earnings coverage of net charge-offs (x) | 13.5220% | 2,144 |
| Efficiency ratio | 61.0483% | 3,758 |
| Assets per employee ($millions) | 3.8755% | 4,092 |
| Cash dividends to net income (ytd only)* | 10.5569% | 3,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6276% | 1,037 |
| Loan loss allowance to noncurrent loans | 208.2425% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.7015% | 2,128 |
| Noncurrent loans to loans | 0.7816% | 2,169 |
| Net loans and leases to total assets | 75.4750% | 1,720 |
| Net loans and leases to deposits | 85.9931% | 2,311 |
| Net loans and leases to core deposits | 91.9662% | 2,402 |
| Total domestic deposits to total assets | 87.7686% | 1,492 |
| Equity capital to assets | 11.3512% | 2,312 |
| Core capital (leverage) ratio | 11.7463% | 1,874 |
| Tier 1 risk-based capital ratio | 15.5299% | 2,627 |
| Total risk-based capital ratio | 16.7848% | 2,563 |
| Memoranda: | ||
| Average total assets | $592,636,670 | 1,215 |
| Average earning assets | $556,300,330 | 1,207 |
| Average equity | $66,327,670 | 1,213 |
| Average total loans | $450,637,000 | 1,146 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4993% | 1,865 |
| Cost of funding earning assets | 0.5191% | 2,646 |
| Net interest margin | 3.9801% | 1,788 |
| Noninterest income to average assets | 0.9259% | 1,081 |
| Noninterest expense to average assets | 2.9620% | 2,170 |
| Loan and lease loss provision to assets | 0.1795% | 960 |
| Net operating income to assets | 1.1684% | 2,142 |
| Return on assets (ROA) | 1.1684% | 2,154 |
| Pretax return on assets | 1.5233% | 1,620 |
| Return on Equity (ROE) | 10.5154% | 2,167 |
| Retained earnings to average equity (ytd only) | 10.5154% | 1,011 |
| Net charge-offs to loans | 0.1655% | 863 |
| Credit loss provision to net charge-offs | 143.2432% | 1,261 |
| Earnings coverage of net charge-offs (x) | 13.5892% | 1,747 |
| Efficiency ratio | 63.4964% | 3,561 |
| Assets per employee ($millions) | 3.9794% | 4,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6421% | 1,072 |
| Loan loss allowance to noncurrent loans | 173.5524% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.8200% | 1,926 |
| Noncurrent loans to loans | 0.9462% | 1,931 |
| Net loans and leases to total assets | 73.6829% | 1,912 |
| Net loans and leases to deposits | 83.7459% | 2,414 |
| Net loans and leases to core deposits | 92.1806% | 2,283 |
| Total domestic deposits to total assets | 87.9839% | 1,631 |
| Equity capital to assets | 11.1044% | 2,484 |
| Core capital (leverage) ratio | 11.6374% | 1,903 |
| Tier 1 risk-based capital ratio | 15.3598% | 2,711 |
| Total risk-based capital ratio | 16.6147% | 2,651 |
| Memoranda: | ||
| Average total assets | $590,541,500 | 1,230 |
| Average earning assets | $554,753,500 | 1,219 |
| Average equity | $65,618,000 | 1,230 |
| Average total loans | $447,001,500 | 1,157 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5604% | 1,538 |
| Cost of funding earning assets | 0.5033% | 2,304 |
| Net interest margin | 4.0571% | 1,569 |
| Noninterest income to average assets | 1.0826% | 870 |
| Noninterest expense to average assets | 2.9730% | 2,238 |
| Loan and lease loss provision to assets | 0.1880% | 1,123 |
| Net operating income to assets | 1.0203% | 2,152 |
| Return on assets (ROA) | 1.0203% | 2,186 |
| Pretax return on assets | 1.7323% | 935 |
| Return on Equity (ROE) | 9.3445% | 2,158 |
| Retained earnings to average equity (ytd only) | 8.0688% | 740 |
| Net charge-offs to loans | 0.1416% | 1,658 |
| Credit loss provision to net charge-offs | 170.8861% | 1,583 |
| Earnings coverage of net charge-offs (x) | 17.4509% | 2,127 |
| Efficiency ratio | 60.7565% | 4,147 |
| Assets per employee ($millions) | 3.8944% | 4,128 |
| Cash dividends to net income (ytd only)* | 13.6519% | 3,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6254% | 1,083 |
| Loan loss allowance to noncurrent loans | 186.4698% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.7690% | 2,029 |
| Noncurrent loans to loans | 0.8717% | 2,046 |
| Net loans and leases to total assets | 75.2477% | 1,716 |
| Net loans and leases to deposits | 85.5062% | 2,323 |
| Net loans and leases to core deposits | 94.6101% | 2,143 |
| Total domestic deposits to total assets | 88.0026% | 1,499 |
| Equity capital to assets | 11.1187% | 2,519 |
| Core capital (leverage) ratio | 11.2841% | 2,105 |
| Tier 1 risk-based capital ratio | 15.2773% | 2,714 |
| Total risk-based capital ratio | 16.5325% | 2,648 |
| Memoranda: | ||
| Average total assets | $574,339,400 | 1,244 |
| Average earning assets | $539,447,000 | 1,226 |
| Average equity | $62,711,000 | 1,262 |
| Average total loans | $446,285,600 | 1,136 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5067% | 1,620 |
| Cost of funding earning assets | 0.4951% | 2,307 |
| Net interest margin | 4.0116% | 1,664 |
| Noninterest income to average assets | 1.0622% | 906 |
| Noninterest expense to average assets | 2.9574% | 2,222 |
| Loan and lease loss provision to assets | 0.2215% | 835 |
| Net operating income to assets | 1.0578% | 2,295 |
| Return on assets (ROA) | 1.0578% | 2,331 |
| Pretax return on assets | 1.6520% | 1,236 |
| Return on Equity (ROE) | 9.7331% | 2,238 |
| Retained earnings to average equity (ytd only) | 8.4459% | 1,037 |
| Net charge-offs to loans | 0.1590% | 1,288 |
| Credit loss provision to net charge-offs | 178.5714% | 1,484 |
| Earnings coverage of net charge-offs (x) | 15.1052% | 2,254 |
| Efficiency ratio | 61.2181% | 4,008 |
| Assets per employee ($millions) | 4.0351% | 3,929 |
| Cash dividends to net income (ytd only)* | 13.2246% | 3,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6028% | 1,233 |
| Loan loss allowance to noncurrent loans | 124.1717% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 1.1059% | 1,502 |
| Noncurrent loans to loans | 1.2908% | 1,482 |
| Net loans and leases to total assets | 76.4175% | 1,513 |
| Net loans and leases to deposits | 87.2619% | 2,151 |
| Net loans and leases to core deposits | 97.0161% | 1,978 |
| Total domestic deposits to total assets | 87.5726% | 1,598 |
| Equity capital to assets | 11.0407% | 2,828 |
| Core capital (leverage) ratio | 11.2104% | 2,265 |
| Tier 1 risk-based capital ratio | 14.6526% | 3,100 |
| Total risk-based capital ratio | 15.9074% | 3,015 |
| Memoranda: | ||
| Average total assets | $571,882,500 | 1,256 |
| Average earning assets | $537,265,500 | 1,238 |
| Average equity | $62,150,750 | 1,280 |
| Average total loans | $446,148,250 | 1,143 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4741% | 1,589 |
| Cost of funding earning assets | 0.4836% | 2,299 |
| Net interest margin | 3.9905% | 1,634 |
| Noninterest income to average assets | 1.0506% | 923 |
| Noninterest expense to average assets | 2.9679% | 2,203 |
| Loan and lease loss provision to assets | 0.2268% | 763 |
| Net operating income to assets | 1.0274% | 2,299 |
| Return on assets (ROA) | 1.0274% | 2,339 |
| Pretax return on assets | 1.6040% | 1,331 |
| Return on Equity (ROE) | 9.5050% | 2,271 |
| Retained earnings to average equity (ytd only) | 8.5291% | 991 |
| Net charge-offs to loans | 0.1755% | 1,125 |
| Credit loss provision to net charge-offs | 165.3846% | 1,432 |
| Earnings coverage of net charge-offs (x) | 13.3513% | 2,138 |
| Efficiency ratio | 61.8479% | 4,014 |
| Assets per employee ($millions) | 3.9094% | 4,121 |
| Cash dividends to net income (ytd only)* | 10.2669% | 3,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5823% | 1,310 |
| Loan loss allowance to noncurrent loans | 188.0319% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.7874% | 2,241 |
| Noncurrent loans to loans | 0.8415% | 2,300 |
| Net loans and leases to total assets | 76.5206% | 1,464 |
| Net loans and leases to deposits | 87.1138% | 2,094 |
| Net loans and leases to core deposits | 97.1879% | 1,877 |
| Total domestic deposits to total assets | 87.8398% | 1,537 |
| Equity capital to assets | 10.9383% | 2,880 |
| Core capital (leverage) ratio | 11.3130% | 2,117 |
| Tier 1 risk-based capital ratio | 14.5486% | 3,138 |
| Total risk-based capital ratio | 15.8031% | 3,056 |
| Memoranda: | ||
| Average total assets | $568,823,000 | 1,268 |
| Average earning assets | $534,274,000 | 1,248 |
| Average equity | $61,483,330 | 1,293 |
| Average total loans | $444,442,670 | 1,152 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4271% | 1,563 |
| Cost of funding earning assets | 0.4748% | 2,309 |
| Net interest margin | 3.9523% | 1,603 |
| Noninterest income to average assets | 1.0009% | 1,004 |
| Noninterest expense to average assets | 2.8783% | 2,522 |
| Loan and lease loss provision to assets | 0.2262% | 691 |
| Net operating income to assets | 1.0384% | 2,125 |
| Return on assets (ROA) | 1.0384% | 2,174 |
| Pretax return on assets | 1.6208% | 1,181 |
| Return on Equity (ROE) | 9.6653% | 2,115 |
| Retained earnings to average equity (ytd only) | 9.3363% | 970 |
| Net charge-offs to loans | 0.1155% | 1,245 |
| Credit loss provision to net charge-offs | 250.0000% | 880 |
| Earnings coverage of net charge-offs (x) | 20.4141% | 1,482 |
| Efficiency ratio | 60.9125% | 4,332 |
| Assets per employee ($millions) | 3.9428% | 4,103 |
| Cash dividends to net income (ytd only)* | 3.4037% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5722% | 1,449 |
| Loan loss allowance to noncurrent loans | 176.4543% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.8104% | 2,272 |
| Noncurrent loans to loans | 0.8910% | 2,241 |
| Net loans and leases to total assets | 76.2042% | 1,383 |
| Net loans and leases to deposits | 86.6643% | 1,956 |
| Net loans and leases to core deposits | 97.0197% | 1,746 |
| Total domestic deposits to total assets | 87.9304% | 1,755 |
| Equity capital to assets | 10.6920% | 2,969 |
| Core capital (leverage) ratio | 11.0742% | 2,289 |
| Tier 1 risk-based capital ratio | 14.3753% | 3,272 |
| Total risk-based capital ratio | 15.6297% | 3,193 |
| Memoranda: | ||
| Average total assets | $565,895,000 | 1,272 |
| Average earning assets | $533,255,500 | 1,244 |
| Average equity | $60,795,000 | 1,306 |
| Average total loans | $443,255,000 | 1,151 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5146% | 1,495 |
| Cost of funding earning assets | 0.4700% | 2,350 |
| Net interest margin | 4.0446% | 1,510 |
| Noninterest income to average assets | 1.2194% | 768 |
| Noninterest expense to average assets | 3.5114% | 1,145 |
| Loan and lease loss provision to assets | 0.2133% | 1,055 |
| Net operating income to assets | 0.8538% | 3,053 |
| Return on assets (ROA) | 0.8538% | 3,157 |
| Pretax return on assets | 1.3095% | 2,247 |
| Return on Equity (ROE) | 7.9110% | 2,989 |
| Retained earnings to average equity (ytd only) | 6.7989% | 1,307 |
| Net charge-offs to loans | 0.1264% | 1,984 |
| Credit loss provision to net charge-offs | 215.4851% | 1,316 |
| Earnings coverage of net charge-offs (x) | 15.3862% | 2,203 |
| Efficiency ratio | 69.7513% | 2,947 |
| Assets per employee ($millions) | 3.9443% | 4,068 |
| Cash dividends to net income (ytd only)* | 14.0571% | 3,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5459% | 1,515 |
| Loan loss allowance to noncurrent loans | 140.8931% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 0.9979% | 1,902 |
| Noncurrent loans to loans | 1.0972% | 1,899 |
| Net loans and leases to total assets | 78.0412% | 1,192 |
| Net loans and leases to deposits | 89.1177% | 1,793 |
| Net loans and leases to core deposits | 99.5205% | 1,657 |
| Total domestic deposits to total assets | 87.5709% | 1,841 |
| Equity capital to assets | 10.7961% | 2,819 |
| Core capital (leverage) ratio | 11.0464% | 2,298 |
| Tier 1 risk-based capital ratio | 14.4199% | 3,229 |
| Total risk-based capital ratio | 15.6744% | 3,158 |
| Memoranda: | ||
| Average total assets | $541,586,200 | 1,279 |
| Average earning assets | $510,804,800 | 1,254 |
| Average equity | $58,450,400 | 1,320 |
| Average total loans | $424,144,000 | 1,156 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5096% | 1,508 |
| Cost of funding earning assets | 0.4675% | 2,391 |
| Net interest margin | 4.0422% | 1,550 |
| Noninterest income to average assets | 1.2231% | 772 |
| Noninterest expense to average assets | 3.6486% | 923 |
| Loan and lease loss provision to assets | 0.2166% | 962 |
| Net operating income to assets | 0.7956% | 3,385 |
| Return on assets (ROA) | 0.7956% | 3,527 |
| Pretax return on assets | 1.1703% | 2,965 |
| Return on Equity (ROE) | 7.3724% | 3,369 |
| Retained earnings to average equity (ytd only) | 6.3389% | 1,990 |
| Net charge-offs to loans | 0.0914% | 2,044 |
| Credit loss provision to net charge-offs | 303.4722% | 1,020 |
| Earnings coverage of net charge-offs (x) | 19.4306% | 1,934 |
| Efficiency ratio | 72.4566% | 2,502 |
| Assets per employee ($millions) | 3.8356% | 4,239 |
| Cash dividends to net income (ytd only)* | 14.0188% | 3,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5699% | 1,562 |
| Loan loss allowance to noncurrent loans | 168.4132% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.8835% | 2,345 |
| Noncurrent loans to loans | 0.9322% | 2,382 |
| Net loans and leases to total assets | 77.5249% | 1,281 |
| Net loans and leases to deposits | 88.3645% | 1,970 |
| Net loans and leases to core deposits | 98.0099% | 1,813 |
| Total domestic deposits to total assets | 87.7331% | 1,535 |
| Equity capital to assets | 10.8109% | 3,232 |
| Core capital (leverage) ratio | 11.0266% | 2,427 |
| Tier 1 risk-based capital ratio | 14.4424% | 3,314 |
| Total risk-based capital ratio | 15.6971% | 3,241 |
| Memoranda: | ||
| Average total assets | $537,946,250 | 1,292 |
| Average earning assets | $507,374,000 | 1,266 |
| Average equity | $58,052,500 | 1,336 |
| Average total loans | $419,970,500 | 1,165 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5071% | 1,489 |
| Cost of funding earning assets | 0.4646% | 2,429 |
| Net interest margin | 4.0425% | 1,520 |
| Noninterest income to average assets | 1.0995% | 927 |
| Noninterest expense to average assets | 3.0391% | 2,232 |
| Loan and lease loss provision to assets | 0.2500% | 772 |
| Net operating income to assets | 1.0183% | 2,305 |
| Return on assets (ROA) | 1.0183% | 2,441 |
| Pretax return on assets | 1.6204% | 1,307 |
| Return on Equity (ROE) | 9.4417% | 2,301 |
| Retained earnings to average equity (ytd only) | 7.8803% | 1,211 |
| Net charge-offs to loans | 0.1313% | 1,540 |
| Credit loss provision to net charge-offs | 244.6886% | 1,119 |
| Earnings coverage of net charge-offs (x) | 18.3077% | 1,833 |
| Efficiency ratio | 61.9026% | 4,362 |
| Assets per employee ($millions) | 3.7349% | 4,385 |
| Cash dividends to net income (ytd only)* | 16.5380% | 3,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5659% | 1,629 |
| Loan loss allowance to noncurrent loans | 158.7428% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.9151% | 2,327 |
| Noncurrent loans to loans | 0.9865% | 2,305 |
| Net loans and leases to total assets | 76.5011% | 1,413 |
| Net loans and leases to deposits | 87.2820% | 2,099 |
| Net loans and leases to core deposits | 96.7270% | 1,914 |
| Total domestic deposits to total assets | 87.6482% | 1,600 |
| Equity capital to assets | 10.8674% | 3,210 |
| Core capital (leverage) ratio | 10.9753% | 2,455 |
| Tier 1 risk-based capital ratio | 14.8050% | 3,154 |
| Total risk-based capital ratio | 16.0598% | 3,100 |
| Memoranda: | ||
| Average total assets | $534,431,000 | 1,301 |
| Average earning assets | $503,698,000 | 1,278 |
| Average equity | $57,637,670 | 1,347 |
| Average total loans | $415,960,670 | 1,167 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5095% | 1,480 |
| Cost of funding earning assets | 0.4641% | 2,428 |
| Net interest margin | 4.0454% | 1,492 |
| Noninterest income to average assets | 1.0700% | 947 |
| Noninterest expense to average assets | 3.0004% | 2,391 |
| Loan and lease loss provision to assets | 0.2893% | 559 |
| Net operating income to assets | 1.0006% | 2,274 |
| Return on assets (ROA) | 1.0006% | 2,393 |
| Pretax return on assets | 1.5899% | 1,324 |
| Return on Equity (ROE) | 9.3145% | 2,280 |
| Retained earnings to average equity (ytd only) | 9.3145% | 1,022 |
| Net charge-offs to loans | 0.1258% | 1,350 |
| Credit loss provision to net charge-offs | 295.3846% | 867 |
| Earnings coverage of net charge-offs (x) | 19.1846% | 1,519 |
| Efficiency ratio | 61.4886% | 4,527 |
| Assets per employee ($millions) | 3.7601% | 4,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5557% | 1,769 |
| Loan loss allowance to noncurrent loans | 123.1386% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 1.1925% | 1,839 |
| Noncurrent loans to loans | 1.2634% | 1,915 |
| Net loans and leases to total assets | 76.4445% | 1,325 |
| Net loans and leases to deposits | 87.4898% | 1,886 |
| Net loans and leases to core deposits | 96.4780% | 1,748 |
| Total domestic deposits to total assets | 87.3753% | 2,015 |
| Equity capital to assets | 10.8168% | 3,146 |
| Core capital (leverage) ratio | 11.0423% | 2,367 |
| Tier 1 risk-based capital ratio | 14.6825% | 3,294 |
| Total risk-based capital ratio | 15.9371% | 3,235 |
| Memoranda: | ||
| Average total assets | $530,863,500 | 1,311 |
| Average earning assets | $499,920,500 | 1,286 |
| Average equity | $57,029,500 | 1,359 |
| Average total loans | $413,493,500 | 1,173 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5738% | 1,402 |
| Cost of funding earning assets | 0.4927% | 2,228 |
| Net interest margin | 4.0810% | 1,456 |
| Noninterest income to average assets | 1.1870% | 850 |
| Noninterest expense to average assets | 3.1371% | 2,125 |
| Loan and lease loss provision to assets | 0.2774% | 662 |
| Net operating income to assets | 1.0260% | 2,231 |
| Return on assets (ROA) | 1.0260% | 2,310 |
| Pretax return on assets | 1.6011% | 1,244 |
| Return on Equity (ROE) | 9.6045% | 2,172 |
| Retained earnings to average equity (ytd only) | 7.3125% | 1,162 |
| Net charge-offs to loans | 0.2608% | 1,158 |
| Credit loss provision to net charge-offs | 135.8925% | 1,929 |
| Earnings coverage of net charge-offs (x) | 9.2035% | 2,849 |
| Efficiency ratio | 62.5478% | 4,529 |
| Assets per employee ($millions) | 3.6909% | 4,493 |
| Cash dividends to net income (ytd only)* | 23.8641% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5025% | 1,991 |
| Loan loss allowance to noncurrent loans | 116.9057% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 1.2027% | 1,801 |
| Noncurrent loans to loans | 1.2852% | 1,832 |
| Net loans and leases to total assets | 76.9578% | 1,259 |
| Net loans and leases to deposits | 87.3551% | 1,952 |
| Net loans and leases to core deposits | 96.2647% | 1,820 |
| Total domestic deposits to total assets | 88.0977% | 1,579 |
| Equity capital to assets | 10.6679% | 3,173 |
| Core capital (leverage) ratio | 10.8890% | 2,504 |
| Tier 1 risk-based capital ratio | 13.9766% | 3,724 |
| Total risk-based capital ratio | 15.2298% | 3,654 |
| Memoranda: | ||
| Average total assets | $510,537,600 | 1,314 |
| Average earning assets | $478,949,600 | 1,291 |
| Average equity | $54,537,000 | 1,371 |
| Average total loans | $399,508,200 | 1,155 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5951% | 1,343 |
| Cost of funding earning assets | 0.5028% | 2,182 |
| Net interest margin | 4.0923% | 1,426 |
| Noninterest income to average assets | 1.1918% | 854 |
| Noninterest expense to average assets | 3.1177% | 2,178 |
| Loan and lease loss provision to assets | 0.2855% | 545 |
| Net operating income to assets | 1.0435% | 2,256 |
| Return on assets (ROA) | 1.0435% | 2,345 |
| Pretax return on assets | 1.6256% | 1,311 |
| Return on Equity (ROE) | 9.7653% | 2,193 |
| Retained earnings to average equity (ytd only) | 8.2864% | 1,129 |
| Net charge-offs to loans | 0.3008% | 889 |
| Credit loss provision to net charge-offs | 121.2528% | 1,964 |
| Earnings coverage of net charge-offs (x) | 8.1163% | 2,844 |
| Efficiency ratio | 61.9965% | 4,571 |
| Assets per employee ($millions) | 3.5929% | 4,622 |
| Cash dividends to net income (ytd only)* | 15.1439% | 3,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4920% | 2,196 |
| Loan loss allowance to noncurrent loans | 116.7152% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 1.1916% | 1,981 |
| Noncurrent loans to loans | 1.2783% | 2,001 |
| Net loans and leases to total assets | 77.2589% | 1,213 |
| Net loans and leases to deposits | 88.0469% | 1,896 |
| Net loans and leases to core deposits | 96.5478% | 1,836 |
| Total domestic deposits to total assets | 87.7475% | 1,687 |
| Equity capital to assets | 10.8720% | 3,167 |
| Core capital (leverage) ratio | 10.9470% | 2,546 |
| Tier 1 risk-based capital ratio | 14.4913% | 3,580 |
| Total risk-based capital ratio | 15.7449% | 3,489 |
| Memoranda: | ||
| Average total assets | $506,222,750 | 1,330 |
| Average earning assets | $474,636,750 | 1,308 |
| Average equity | $54,095,000 | 1,388 |
| Average total loans | $396,291,000 | 1,167 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6121% | 1,252 |
| Cost of funding earning assets | 0.5199% | 2,071 |
| Net interest margin | 4.0922% | 1,373 |
| Noninterest income to average assets | 1.1769% | 872 |
| Noninterest expense to average assets | 3.0756% | 2,318 |
| Loan and lease loss provision to assets | 0.2863% | 562 |
| Net operating income to assets | 1.0554% | 2,123 |
| Return on assets (ROA) | 1.0554% | 2,233 |
| Pretax return on assets | 1.6494% | 1,194 |
| Return on Equity (ROE) | 9.9351% | 2,105 |
| Retained earnings to average equity (ytd only) | 7.6924% | 1,388 |
| Net charge-offs to loans | 0.1436% | 1,633 |
| Credit loss provision to net charge-offs | 254.7703% | 1,040 |
| Earnings coverage of net charge-offs (x) | 17.2261% | 1,865 |
| Efficiency ratio | 61.3739% | 4,778 |
| Assets per employee ($millions) | 3.7230% | 4,378 |
| Cash dividends to net income (ytd only)* | 22.5734% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5768% | 1,981 |
| Loan loss allowance to noncurrent loans | 189.6395% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.8601% | 2,834 |
| Noncurrent loans to loans | 0.8315% | 3,043 |
| Net loans and leases to total assets | 76.0518% | 1,362 |
| Net loans and leases to deposits | 86.4523% | 2,011 |
| Net loans and leases to core deposits | 94.7402% | 1,891 |
| Total domestic deposits to total assets | 87.9696% | 1,666 |
| Equity capital to assets | 10.5871% | 3,343 |
| Core capital (leverage) ratio | 10.5891% | 2,857 |
| Tier 1 risk-based capital ratio | 14.6430% | 3,555 |
| Total risk-based capital ratio | 15.8980% | 3,482 |
| Memoranda: | ||
| Average total assets | $503,704,000 | 1,347 |
| Average earning assets | $471,974,670 | 1,321 |
| Average equity | $53,507,330 | 1,411 |
| Average total loans | $394,070,670 | 1,171 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6003% | 1,215 |
| Cost of funding earning assets | 0.5409% | 1,918 |
| Net interest margin | 4.0594% | 1,389 |
| Noninterest income to average assets | 1.0596% | 1,006 |
| Noninterest expense to average assets | 3.0032% | 2,572 |
| Loan and lease loss provision to assets | 0.2888% | 512 |
| Net operating income to assets | 0.9979% | 2,281 |
| Return on assets (ROA) | 0.9979% | 2,409 |
| Pretax return on assets | 1.5722% | 1,340 |
| Return on Equity (ROE) | 9.3774% | 2,274 |
| Retained earnings to average equity (ytd only) | 9.3774% | 1,075 |
| Net charge-offs to loans | 0.1854% | 1,185 |
| Credit loss provision to net charge-offs | 197.8022% | 1,063 |
| Earnings coverage of net charge-offs (x) | 12.7473% | 1,774 |
| Efficiency ratio | 61.7414% | 4,836 |
| Assets per employee ($millions) | 3.8059% | 4,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5288% | 2,331 |
| Loan loss allowance to noncurrent loans | 195.9504% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.8653% | 2,915 |
| Noncurrent loans to loans | 0.7802% | 3,303 |
| Net loans and leases to total assets | 75.7781% | 1,242 |
| Net loans and leases to deposits | 86.0368% | 1,827 |
| Net loans and leases to core deposits | 94.5309% | 1,725 |
| Total domestic deposits to total assets | 88.0764% | 1,776 |
| Equity capital to assets | 10.5467% | 3,484 |
| Core capital (leverage) ratio | 10.9232% | 2,492 |
| Tier 1 risk-based capital ratio | 14.3077% | 3,824 |
| Total risk-based capital ratio | 15.5521% | 3,751 |
| Memoranda: | ||
| Average total assets | $498,668,500 | 1,360 |
| Average earning assets | $467,363,500 | 1,344 |
| Average equity | $53,064,000 | 1,430 |
| Average total loans | $392,608,500 | 1,166 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7900% | 1,133 |
| Cost of funding earning assets | 0.6354% | 1,512 |
| Net interest margin | 4.1545% | 1,419 |
| Noninterest income to average assets | 1.2131% | 811 |
| Noninterest expense to average assets | 3.1542% | 2,344 |
| Loan and lease loss provision to assets | 0.3194% | 627 |
| Net operating income to assets | 1.0335% | 2,248 |
| Return on assets (ROA) | 1.0335% | 2,321 |
| Pretax return on assets | 1.6041% | 1,222 |
| Return on Equity (ROE) | 10.1099% | 2,068 |
| Retained earnings to average equity (ytd only) | 8.9083% | 726 |
| Net charge-offs to loans | 0.3431% | 1,276 |
| Credit loss provision to net charge-offs | 117.5584% | 2,038 |
| Earnings coverage of net charge-offs (x) | 7.0799% | 3,092 |
| Efficiency ratio | 62.1185% | 4,897 |
| Assets per employee ($millions) | 3.5060% | 4,886 |
| Cash dividends to net income (ytd only)* | 11.8859% | 4,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4824% | 2,556 |
| Loan loss allowance to noncurrent loans | 155.5437% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 0.9909% | 2,773 |
| Noncurrent loans to loans | 0.9530% | 2,945 |
| Net loans and leases to total assets | 79.3961% | 822 |
| Net loans and leases to deposits | 90.0736% | 1,514 |
| Net loans and leases to core deposits | 98.7056% | 1,492 |
| Total domestic deposits to total assets | 88.1459% | 1,688 |
| Equity capital to assets | 10.7399% | 3,189 |
| Core capital (leverage) ratio | 10.7816% | 2,633 |
| Tier 1 risk-based capital ratio | 15.9310% | 2,999 |
| Total risk-based capital ratio | 17.1871% | 2,941 |
| Memoranda: | ||
| Average total assets | $488,427,400 | 1,361 |
| Average earning assets | $454,346,200 | 1,351 |
| Average equity | $49,931,200 | 1,445 |
| Average total loans | $386,724,000 | 1,145 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7718% | 1,155 |
| Cost of funding earning assets | 0.6487% | 1,464 |
| Net interest margin | 4.1230% | 1,508 |
| Noninterest income to average assets | 1.1933% | 844 |
| Noninterest expense to average assets | 3.0731% | 2,551 |
| Loan and lease loss provision to assets | 0.3296% | 559 |
| Net operating income to assets | 1.0455% | 2,251 |
| Return on assets (ROA) | 1.0455% | 2,311 |
| Pretax return on assets | 1.6192% | 1,265 |
| Return on Equity (ROE) | 10.3574% | 2,051 |
| Retained earnings to average equity (ytd only) | 9.2087% | 925 |
| Net charge-offs to loans | 0.4157% | 955 |
| Credit loss provision to net charge-offs | 100.5828% | 2,194 |
| Earnings coverage of net charge-offs (x) | 5.9476% | 3,164 |
| Efficiency ratio | 61.1941% | 5,004 |
| Assets per employee ($millions) | 3.4545% | 4,944 |
| Cash dividends to net income (ytd only)* | 11.0908% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4234% | 3,062 |
| Loan loss allowance to noncurrent loans | 118.5593% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 1.1498% | 2,650 |
| Noncurrent loans to loans | 1.2006% | 2,645 |
| Net loans and leases to total assets | 79.0043% | 833 |
| Net loans and leases to deposits | 89.3702% | 1,496 |
| Net loans and leases to core deposits | 98.4216% | 1,491 |
| Total domestic deposits to total assets | 88.4012% | 1,553 |
| Equity capital to assets | 10.4488% | 3,629 |
| Core capital (leverage) ratio | 10.5566% | 2,973 |
| Tier 1 risk-based capital ratio | 15.7052% | 3,208 |
| Total risk-based capital ratio | 16.9607% | 3,147 |
| Memoranda: | ||
| Average total assets | $488,699,250 | 1,376 |
| Average earning assets | $453,798,500 | 1,363 |
| Average equity | $49,329,000 | 1,461 |
| Average total loans | $385,217,250 | 1,153 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7651% | 1,140 |
| Cost of funding earning assets | 0.6598% | 1,433 |
| Net interest margin | 4.1053% | 1,490 |
| Noninterest income to average assets | 1.1563% | 873 |
| Noninterest expense to average assets | 3.1113% | 2,452 |
| Loan and lease loss provision to assets | 0.2889% | 690 |
| Net operating income to assets | 1.0064% | 2,296 |
| Return on assets (ROA) | 1.0064% | 2,364 |
| Pretax return on assets | 1.5604% | 1,360 |
| Return on Equity (ROE) | 10.0889% | 2,111 |
| Retained earnings to average equity (ytd only) | 8.3431% | 1,193 |
| Net charge-offs to loans | 0.0993% | 2,688 |
| Credit loss provision to net charge-offs | 371.0526% | 734 |
| Earnings coverage of net charge-offs (x) | 23.7526% | 1,457 |
| Efficiency ratio | 62.7210% | 4,906 |
| Assets per employee ($millions) | 3.4703% | 4,903 |
| Cash dividends to net income (ytd only)* | 17.3046% | 3,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5633% | 2,609 |
| Loan loss allowance to noncurrent loans | 159.9162% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.9300% | 3,221 |
| Noncurrent loans to loans | 0.9776% | 3,279 |
| Net loans and leases to total assets | 77.4505% | 985 |
| Net loans and leases to deposits | 87.0304% | 1,703 |
| Net loans and leases to core deposits | 94.7558% | 1,708 |
| Total domestic deposits to total assets | 88.9925% | 1,358 |
| Equity capital to assets | 10.0552% | 4,029 |
| Core capital (leverage) ratio | 10.3315% | 3,163 |
| Tier 1 risk-based capital ratio | 15.4168% | 3,403 |
| Total risk-based capital ratio | 16.6742% | 3,337 |
| Memoranda: | ||
| Average total assets | $488,087,670 | 1,373 |
| Average earning assets | $452,292,000 | 1,362 |
| Average equity | $48,687,000 | 1,471 |
| Average total loans | $382,576,670 | 1,148 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8101% | 1,024 |
| Cost of funding earning assets | 0.6783% | 1,377 |
| Net interest margin | 4.1318% | 1,385 |
| Noninterest income to average assets | 1.1240% | 882 |
| Noninterest expense to average assets | 3.0587% | 2,662 |
| Loan and lease loss provision to assets | 0.2917% | 673 |
| Net operating income to assets | 1.0157% | 2,151 |
| Return on assets (ROA) | 1.0157% | 2,217 |
| Pretax return on assets | 1.5893% | 1,196 |
| Return on Equity (ROE) | 10.2245% | 1,954 |
| Retained earnings to average equity (ytd only) | 8.5606% | 1,397 |
| Net charge-offs to loans | 0.0423% | 2,791 |
| Credit loss provision to net charge-offs | 882.5000% | 344 |
| Earnings coverage of net charge-offs (x) | 56.9000% | 681 |
| Efficiency ratio | 61.9207% | 5,129 |
| Assets per employee ($millions) | 3.2554% | 5,433 |
| Cash dividends to net income (ytd only)* | 16.2734% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5582% | 2,887 |
| Loan loss allowance to noncurrent loans | 189.5920% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.8145% | 3,700 |
| Noncurrent loans to loans | 0.8219% | 3,830 |
| Net loans and leases to total assets | 76.8720% | 899 |
| Net loans and leases to deposits | 86.4812% | 1,535 |
| Net loans and leases to core deposits | 94.7140% | 1,493 |
| Total domestic deposits to total assets | 88.8888% | 1,733 |
| Equity capital to assets | 10.0404% | 3,798 |
| Core capital (leverage) ratio | 10.2675% | 3,201 |
| Tier 1 risk-based capital ratio | 15.4008% | 3,500 |
| Total risk-based capital ratio | 16.6581% | 3,450 |
| Memoranda: | ||
| Average total assets | $484,001,500 | 1,394 |
| Average earning assets | $446,977,000 | 1,379 |
| Average equity | $48,080,500 | 1,486 |
| Average total loans | $378,635,000 | 1,166 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9435% | 1,015 |
| Cost of funding earning assets | 0.7698% | 1,380 |
| Net interest margin | 4.1737% | 1,436 |
| Noninterest income to average assets | 1.3377% | 775 |
| Noninterest expense to average assets | 3.2152% | 2,369 |
| Loan and lease loss provision to assets | 0.3120% | 1,066 |
| Net operating income to assets | 1.0936% | 1,954 |
| Return on assets (ROA) | 1.0847% | 2,058 |
| Pretax return on assets | 1.6760% | 997 |
| Return on Equity (ROE) | 11.0792% | 1,742 |
| Retained earnings to average equity (ytd only) | 8.7498% | 833 |
| Net charge-offs to loans | 0.3558% | 1,898 |
| Credit loss provision to net charge-offs | 112.6923% | 2,142 |
| Earnings coverage of net charge-offs (x) | 7.2308% | 2,886 |
| Efficiency ratio | 61.6311% | 5,268 |
| Assets per employee ($millions) | 3.3078% | 5,274 |
| Cash dividends to net income (ytd only)* | 21.0247% | 3,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4766% | 3,300 |
| Loan loss allowance to noncurrent loans | 154.7342% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.9498% | 3,524 |
| Noncurrent loans to loans | 0.9543% | 3,606 |
| Net loans and leases to total assets | 77.2148% | 928 |
| Net loans and leases to deposits | 86.7534% | 1,602 |
| Net loans and leases to core deposits | 94.6371% | 1,551 |
| Total domestic deposits to total assets | 89.0050% | 1,621 |
| Equity capital to assets | 9.8270% | 3,990 |
| Core capital (leverage) ratio | 10.1813% | 3,322 |
| Tier 1 risk-based capital ratio | 14.9561% | 3,693 |
| Total risk-based capital ratio | 16.2120% | 3,634 |
| Memoranda: | ||
| Average total assets | $469,619,000 | 1,408 |
| Average earning assets | $436,471,000 | 1,395 |
| Average equity | $45,978,200 | 1,524 |
| Average total loans | $365,408,400 | 1,168 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9002% | 1,124 |
| Cost of funding earning assets | 0.7803% | 1,429 |
| Net interest margin | 4.1199% | 1,573 |
| Noninterest income to average assets | 1.3894% | 755 |
| Noninterest expense to average assets | 3.1968% | 2,379 |
| Loan and lease loss provision to assets | 0.2939% | 1,162 |
| Net operating income to assets | 1.1310% | 1,878 |
| Return on assets (ROA) | 1.1343% | 1,941 |
| Pretax return on assets | 1.7462% | 1,002 |
| Return on Equity (ROE) | 11.5971% | 1,624 |
| Retained earnings to average equity (ytd only) | 10.0769% | 773 |
| Net charge-offs to loans | 0.1219% | 3,325 |
| Credit loss provision to net charge-offs | 310.5740% | 822 |
| Earnings coverage of net charge-offs (x) | 21.5016% | 1,543 |
| Efficiency ratio | 61.1029% | 5,262 |
| Assets per employee ($millions) | 3.3305% | 5,226 |
| Cash dividends to net income (ytd only)* | 13.1082% | 3,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6393% | 2,845 |
| Loan loss allowance to noncurrent loans | 136.0525% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 1.1684% | 3,319 |
| Noncurrent loans to loans | 1.2049% | 3,412 |
| Net loans and leases to total assets | 77.6577% | 790 |
| Net loans and leases to deposits | 87.4328% | 1,436 |
| Net loans and leases to core deposits | 94.8511% | 1,493 |
| Total domestic deposits to total assets | 88.8199% | 1,657 |
| Equity capital to assets | 9.9157% | 4,028 |
| Core capital (leverage) ratio | 10.2107% | 3,388 |
| Tier 1 risk-based capital ratio | 15.0955% | 3,686 |
| Total risk-based capital ratio | 16.3538% | 3,636 |
| Memoranda: | ||
| Average total assets | $466,287,500 | 1,424 |
| Average earning assets | $434,885,500 | 1,403 |
| Average equity | $45,608,000 | 1,548 |
| Average total loans | $362,137,000 | 1,182 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8793% | 1,145 |
| Cost of funding earning assets | 0.7872% | 1,484 |
| Net interest margin | 4.0922% | 1,564 |
| Noninterest income to average assets | 1.4157% | 787 |
| Noninterest expense to average assets | 3.2491% | 2,214 |
| Loan and lease loss provision to assets | 0.2909% | 1,251 |
| Net operating income to assets | 1.1013% | 1,922 |
| Return on assets (ROA) | 1.1063% | 2,022 |
| Pretax return on assets | 1.7079% | 1,095 |
| Return on Equity (ROE) | 11.3637% | 1,696 |
| Retained earnings to average equity (ytd only) | 9.7258% | 905 |
| Net charge-offs to loans | 0.1044% | 3,317 |
| Credit loss provision to net charge-offs | 360.9626% | 723 |
| Earnings coverage of net charge-offs (x) | 24.7059% | 1,287 |
| Efficiency ratio | 62.0035% | 5,171 |
| Assets per employee ($millions) | 3.2266% | 5,418 |
| Cash dividends to net income (ytd only)* | 14.4137% | 3,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6233% | 3,076 |
| Loan loss allowance to noncurrent loans | 120.5301% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 1.1899% | 3,370 |
| Noncurrent loans to loans | 1.3468% | 3,303 |
| Net loans and leases to total assets | 76.5805% | 917 |
| Net loans and leases to deposits | 86.0712% | 1,569 |
| Net loans and leases to core deposits | 93.4900% | 1,566 |
| Total domestic deposits to total assets | 88.9735% | 1,645 |
| Equity capital to assets | 9.7708% | 4,216 |
| Core capital (leverage) ratio | 9.8497% | 3,718 |
| Tier 1 risk-based capital ratio | 14.8861% | 3,854 |
| Total risk-based capital ratio | 16.1442% | 3,815 |
| Memoranda: | ||
| Average total assets | $464,071,000 | 1,434 |
| Average earning assets | $433,708,000 | 1,409 |
| Average equity | $45,179,000 | 1,567 |
| Average total loans | $358,385,000 | 1,190 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8529% | 1,193 |
| Cost of funding earning assets | 0.7973% | 1,542 |
| Net interest margin | 4.0556% | 1,607 |
| Noninterest income to average assets | 1.3848% | 804 |
| Noninterest expense to average assets | 3.3208% | 2,035 |
| Loan and lease loss provision to assets | 0.3055% | 1,123 |
| Net operating income to assets | 1.0188% | 2,147 |
| Return on assets (ROA) | 1.0290% | 2,224 |
| Pretax return on assets | 1.5691% | 1,381 |
| Return on Equity (ROE) | 10.5897% | 1,844 |
| Retained earnings to average equity (ytd only) | 9.2538% | 1,305 |
| Net charge-offs to loans | 0.0855% | 2,983 |
| Credit loss provision to net charge-offs | 464.4737% | 569 |
| Earnings coverage of net charge-offs (x) | 28.2632% | 989 |
| Efficiency ratio | 64.1103% | 4,997 |
| Assets per employee ($millions) | 3.2272% | 5,578 |
| Cash dividends to net income (ytd only)* | 12.6156% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6068% | 3,373 |
| Loan loss allowance to noncurrent loans | 130.8770% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 1.1179% | 3,701 |
| Noncurrent loans to loans | 1.2277% | 3,723 |
| Net loans and leases to total assets | 74.6043% | 996 |
| Net loans and leases to deposits | 83.9896% | 1,599 |
| Net loans and leases to core deposits | 90.9956% | 1,605 |
| Total domestic deposits to total assets | 88.8257% | 1,781 |
| Equity capital to assets | 9.6972% | 4,569 |
| Core capital (leverage) ratio | 9.9026% | 3,529 |
| Tier 1 risk-based capital ratio | 15.1706% | 3,724 |
| Total risk-based capital ratio | 16.4286% | 3,670 |
| Memoranda: | ||
| Average total assets | $462,175,000 | 1,450 |
| Average earning assets | $432,485,500 | 1,422 |
| Average equity | $44,911,500 | 1,593 |
| Average total loans | $355,475,500 | 1,200 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0667% | 1,385 |
| Cost of funding earning assets | 0.9693% | 1,532 |
| Net interest margin | 4.0974% | 2,017 |
| Noninterest income to average assets | 1.3486% | 848 |
| Noninterest expense to average assets | 3.1932% | 2,639 |
| Loan and lease loss provision to assets | 0.3680% | 1,782 |
| Net operating income to assets | 1.0368% | 2,181 |
| Return on assets (ROA) | 1.0368% | 2,380 |
| Pretax return on assets | 1.6109% | 1,352 |
| Return on Equity (ROE) | 10.8426% | 1,858 |
| Retained earnings to average equity (ytd only) | 9.4723% | 702 |
| Net charge-offs to loans | 0.1875% | 3,880 |
| Credit loss provision to net charge-offs | 256.7188% | 933 |
| Earnings coverage of net charge-offs (x) | 13.8047% | 1,788 |
| Efficiency ratio | 61.7124% | 5,281 |
| Assets per employee ($millions) | 3.1917% | 5,641 |
| Cash dividends to net income (ytd only)* | 12.6377% | 3,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5230% | 3,651 |
| Loan loss allowance to noncurrent loans | 123.8073% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 1.1761% | 3,694 |
| Noncurrent loans to loans | 1.2301% | 3,790 |
| Net loans and leases to total assets | 76.8437% | 811 |
| Net loans and leases to deposits | 86.4755% | 1,451 |
| Net loans and leases to core deposits | 93.5698% | 1,505 |
| Total domestic deposits to total assets | 88.8618% | 1,666 |
| Equity capital to assets | 9.7381% | 4,543 |
| Core capital (leverage) ratio | 9.8090% | 3,647 |
| Tier 1 risk-based capital ratio | 15.0208% | 3,707 |
| Total risk-based capital ratio | 16.2779% | 3,656 |
| Memoranda: | ||
| Average total assets | $446,449,000 | 1,477 |
| Average earning assets | $416,604,600 | 1,448 |
| Average equity | $42,692,800 | 1,632 |
| Average total loans | $341,390,200 | 1,239 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0705% | 1,496 |
| Cost of funding earning assets | 1.0021% | 1,544 |
| Net interest margin | 4.0684% | 2,213 |
| Noninterest income to average assets | 1.3025% | 869 |
| Noninterest expense to average assets | 3.0801% | 2,947 |
| Loan and lease loss provision to assets | 0.3123% | 2,109 |
| Net operating income to assets | 1.1004% | 2,083 |
| Return on assets (ROA) | 1.1004% | 2,282 |
| Pretax return on assets | 1.7055% | 1,257 |
| Return on Equity (ROE) | 11.5614% | 1,773 |
| Retained earnings to average equity (ytd only) | 10.5674% | 772 |
| Net charge-offs to loans | 0.0833% | 4,559 |
| Credit loss provision to net charge-offs | 492.8910% | 544 |
| Earnings coverage of net charge-offs (x) | 31.8432% | 1,049 |
| Efficiency ratio | 60.3829% | 5,432 |
| Assets per employee ($millions) | 3.1383% | 5,768 |
| Cash dividends to net income (ytd only)* | 8.5972% | 3,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4952% | 3,973 |
| Loan loss allowance to noncurrent loans | 143.9145% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 1.0315% | 4,233 |
| Noncurrent loans to loans | 1.0390% | 4,365 |
| Net loans and leases to total assets | 76.0042% | 977 |
| Net loans and leases to deposits | 85.4496% | 1,666 |
| Net loans and leases to core deposits | 92.3609% | 1,745 |
| Total domestic deposits to total assets | 88.9463% | 1,461 |
| Equity capital to assets | 9.6546% | 4,986 |
| Core capital (leverage) ratio | 9.7309% | 3,902 |
| Tier 1 risk-based capital ratio | 14.9462% | 3,883 |
| Total risk-based capital ratio | 16.2030% | 3,835 |
| Memoranda: | ||
| Average total assets | $443,958,250 | 1,498 |
| Average earning assets | $414,176,750 | 1,473 |
| Average equity | $42,254,500 | 1,663 |
| Average total loans | $337,700,750 | 1,260 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0877% | 1,533 |
| Cost of funding earning assets | 1.0347% | 1,549 |
| Net interest margin | 4.0530% | 2,280 |
| Noninterest income to average assets | 1.2679% | 888 |
| Noninterest expense to average assets | 3.0123% | 3,217 |
| Loan and lease loss provision to assets | 0.3135% | 2,103 |
| Net operating income to assets | 1.1053% | 2,027 |
| Return on assets (ROA) | 1.1053% | 2,242 |
| Pretax return on assets | 1.7217% | 1,207 |
| Return on Equity (ROE) | 11.6706% | 1,780 |
| Retained earnings to average equity (ytd only) | 10.9990% | 746 |
| Net charge-offs to loans | 0.1044% | 4,128 |
| Credit loss provision to net charge-offs | 396.5517% | 745 |
| Earnings coverage of net charge-offs (x) | 25.7471% | 1,188 |
| Efficiency ratio | 59.6256% | 5,636 |
| Assets per employee ($millions) | 3.3109% | 5,424 |
| Cash dividends to net income (ytd only)* | 5.7542% | 3,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4634% | 4,188 |
| Loan loss allowance to noncurrent loans | 129.8527% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 1.0793% | 4,223 |
| Noncurrent loans to loans | 1.1270% | 4,274 |
| Net loans and leases to total assets | 73.8274% | 1,275 |
| Net loans and leases to deposits | 83.0775% | 1,966 |
| Net loans and leases to core deposits | 89.9290% | 1,993 |
| Total domestic deposits to total assets | 88.8657% | 1,593 |
| Equity capital to assets | 9.5137% | 5,035 |
| Core capital (leverage) ratio | 9.6541% | 3,918 |
| Tier 1 risk-based capital ratio | 14.8096% | 3,891 |
| Total risk-based capital ratio | 16.0652% | 3,856 |
| Memoranda: | ||
| Average total assets | $440,258,000 | 1,511 |
| Average earning assets | $410,556,670 | 1,482 |
| Average equity | $41,694,670 | 1,679 |
| Average total loans | $333,229,670 | 1,276 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1540% | 1,421 |
| Cost of funding earning assets | 1.0775% | 1,508 |
| Net interest margin | 4.0766% | 2,192 |
| Noninterest income to average assets | 1.2131% | 973 |
| Noninterest expense to average assets | 3.0282% | 3,161 |
| Loan and lease loss provision to assets | 0.3171% | 1,975 |
| Net operating income to assets | 1.1083% | 2,049 |
| Return on assets (ROA) | 1.1083% | 2,235 |
| Pretax return on assets | 1.6579% | 1,413 |
| Return on Equity (ROE) | 11.7307% | 1,758 |
| Retained earnings to average equity (ytd only) | 11.7307% | 870 |
| Net charge-offs to loans | 0.0205% | 4,400 |
| Credit loss provision to net charge-offs | 2,029.4118% | 157 |
| Earnings coverage of net charge-offs (x) | 126.4118% | 281 |
| Efficiency ratio | 60.4151% | 5,558 |
| Assets per employee ($millions) | 3.4206% | 5,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4380% | 4,432 |
| Loan loss allowance to noncurrent loans | 131.5512% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 1.0347% | 4,426 |
| Noncurrent loans to loans | 1.0931% | 4,505 |
| Net loans and leases to total assets | 73.1970% | 1,184 |
| Net loans and leases to deposits | 82.5256% | 1,861 |
| Net loans and leases to core deposits | 88.2370% | 2,023 |
| Total domestic deposits to total assets | 88.6962% | 1,888 |
| Equity capital to assets | 9.3822% | 4,987 |
| Core capital (leverage) ratio | 9.6946% | 3,778 |
| Tier 1 risk-based capital ratio | 14.7754% | 3,909 |
| Total risk-based capital ratio | 16.0306% | 3,867 |
| Memoranda: | ||
| Average total assets | $435,248,500 | 1,530 |
| Average earning assets | $404,654,000 | 1,503 |
| Average equity | $41,123,000 | 1,693 |
| Average total loans | $331,162,000 | 1,286 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4213% | 1,362 |
| Cost of funding earning assets | 1.3048% | 1,459 |
| Net interest margin | 4.1165% | 2,362 |
| Noninterest income to average assets | 1.3475% | 716 |
| Noninterest expense to average assets | 3.0670% | 3,326 |
| Loan and lease loss provision to assets | 0.4626% | 2,296 |
| Net operating income to assets | 1.0588% | 1,967 |
| Return on assets (ROA) | 1.0588% | 2,109 |
| Pretax return on assets | 1.6652% | 1,066 |
| Return on Equity (ROE) | 11.2178% | 1,643 |
| Retained earnings to average equity (ytd only) | 9.2652% | 733 |
| Net charge-offs to loans | 0.4689% | 3,113 |
| Credit loss provision to net charge-offs | 125.8278% | 2,482 |
| Earnings coverage of net charge-offs (x) | 5.7881% | 2,684 |
| Efficiency ratio | 58.7122% | 5,947 |
| Assets per employee ($millions) | 3.2755% | 5,564 |
| Cash dividends to net income (ytd only)* | 17.4063% | 3,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3313% | 4,743 |
| Loan loss allowance to noncurrent loans | 134.1323% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 1.0319% | 4,544 |
| Noncurrent loans to loans | 0.9925% | 4,720 |
| Net loans and leases to total assets | 76.9489% | 833 |
| Net loans and leases to deposits | 87.1432% | 1,498 |
| Net loans and leases to core deposits | 94.6939% | 1,622 |
| Total domestic deposits to total assets | 88.3017% | 1,970 |
| Equity capital to assets | 9.5170% | 4,860 |
| Core capital (leverage) ratio | 9.7031% | 3,743 |
| Tier 1 risk-based capital ratio | 14.3183% | 4,095 |
| Total risk-based capital ratio | 15.5711% | 4,057 |
| Memoranda: | ||
| Average total assets | $410,755,000 | 1,578 |
| Average earning assets | $383,891,200 | 1,545 |
| Average equity | $38,768,600 | 1,739 |
| Average total loans | $322,005,200 | 1,318 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4372% | 1,418 |
| Cost of funding earning assets | 1.3367% | 1,519 |
| Net interest margin | 4.1006% | 2,473 |
| Noninterest income to average assets | 1.3196% | 750 |
| Noninterest expense to average assets | 3.0152% | 3,502 |
| Loan and lease loss provision to assets | 0.4586% | 2,167 |
| Net operating income to assets | 1.1024% | 1,960 |
| Return on assets (ROA) | 1.1024% | 2,104 |
| Pretax return on assets | 1.6858% | 1,173 |
| Return on Equity (ROE) | 11.7052% | 1,618 |
| Retained earnings to average equity (ytd only) | 9.8790% | 877 |
| Net charge-offs to loans | 0.5033% | 2,748 |
| Credit loss provision to net charge-offs | 116.0862% | 2,817 |
| Earnings coverage of net charge-offs (x) | 5.4279% | 2,790 |
| Efficiency ratio | 58.1079% | 5,989 |
| Assets per employee ($millions) | 3.2761% | 5,524 |
| Cash dividends to net income (ytd only)* | 15.6017% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3020% | 5,003 |
| Loan loss allowance to noncurrent loans | 92.5926% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 1.3637% | 4,095 |
| Noncurrent loans to loans | 1.4061% | 4,186 |
| Net loans and leases to total assets | 77.5914% | 759 |
| Net loans and leases to deposits | 87.5019% | 1,495 |
| Net loans and leases to core deposits | 94.9575% | 1,706 |
| Total domestic deposits to total assets | 88.6740% | 1,647 |
| Equity capital to assets | 9.6825% | 4,801 |
| Core capital (leverage) ratio | 9.6701% | 3,888 |
| Tier 1 risk-based capital ratio | 14.4489% | 4,014 |
| Total risk-based capital ratio | 15.7023% | 3,981 |
| Memoranda: | ||
| Average total assets | $406,990,000 | 1,599 |
| Average earning assets | $381,139,500 | 1,565 |
| Average equity | $38,329,500 | 1,758 |
| Average total loans | $319,486,250 | 1,346 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4361% | 1,458 |
| Cost of funding earning assets | 1.3651% | 1,574 |
| Net interest margin | 4.0710% | 2,528 |
| Noninterest income to average assets | 1.2487% | 808 |
| Noninterest expense to average assets | 3.0025% | 3,631 |
| Loan and lease loss provision to assets | 0.4296% | 2,277 |
| Net operating income to assets | 1.0468% | 2,049 |
| Return on assets (ROA) | 1.0468% | 2,146 |
| Pretax return on assets | 1.6319% | 1,199 |
| Return on Equity (ROE) | 11.2219% | 1,722 |
| Retained earnings to average equity (ytd only) | 9.3692% | 995 |
| Net charge-offs to loans | 0.5330% | 2,499 |
| Credit loss provision to net charge-offs | 102.7155% | 3,011 |
| Earnings coverage of net charge-offs (x) | 4.9292% | 2,735 |
| Efficiency ratio | 58.9509% | 6,037 |
| Assets per employee ($millions) | 3.1740% | 5,690 |
| Cash dividends to net income (ytd only)* | 16.5094% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2752% | 5,171 |
| Loan loss allowance to noncurrent loans | 89.6308% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 1.3621% | 4,186 |
| Noncurrent loans to loans | 1.4227% | 4,288 |
| Net loans and leases to total assets | 76.6555% | 972 |
| Net loans and leases to deposits | 86.1652% | 1,772 |
| Net loans and leases to core deposits | 94.1093% | 1,883 |
| Total domestic deposits to total assets | 88.9634% | 1,553 |
| Equity capital to assets | 9.4970% | 4,821 |
| Core capital (leverage) ratio | 9.3184% | 4,223 |
| Tier 1 risk-based capital ratio | 14.4079% | 3,861 |
| Total risk-based capital ratio | 15.6613% | 3,829 |
| Memoranda: | ||
| Average total assets | $405,058,670 | 1,622 |
| Average earning assets | $379,611,670 | 1,580 |
| Average equity | $37,783,330 | 1,772 |
| Average total loans | $317,811,670 | 1,362 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4538% | 1,420 |
| Cost of funding earning assets | 1.3888% | 1,671 |
| Net interest margin | 4.0650% | 2,408 |
| Noninterest income to average assets | 1.1656% | 950 |
| Noninterest expense to average assets | 2.9916% | 3,682 |
| Loan and lease loss provision to assets | 0.5659% | 1,523 |
| Net operating income to assets | 0.8638% | 2,729 |
| Return on assets (ROA) | 0.8638% | 2,790 |
| Pretax return on assets | 1.4238% | 1,661 |
| Return on Equity (ROE) | 9.3467% | 2,332 |
| Retained earnings to average equity (ytd only) | 9.3467% | 1,277 |
| Net charge-offs to loans | 0.7540% | 1,712 |
| Credit loss provision to net charge-offs | 95.1586% | 2,844 |
| Earnings coverage of net charge-offs (x) | 3.3456% | 2,770 |
| Efficiency ratio | 59.6970% | 6,027 |
| Assets per employee ($millions) | 3.1537% | 5,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2716% | 5,287 |
| Loan loss allowance to noncurrent loans | 101.8321% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 1.1076% | 4,702 |
| Noncurrent loans to loans | 1.2487% | 4,598 |
| Net loans and leases to total assets | 76.3787% | 983 |
| Net loans and leases to deposits | 85.7124% | 1,775 |
| Net loans and leases to core deposits | 93.9504% | 1,888 |
| Total domestic deposits to total assets | 89.1105% | 1,703 |
| Equity capital to assets | 9.2689% | 4,783 |
| Core capital (leverage) ratio | 9.5103% | 3,788 |
| Tier 1 risk-based capital ratio | 14.3633% | 3,828 |
| Total risk-based capital ratio | 15.6165% | 3,790 |
| Memoranda: | ||
| Average total assets | $402,865,500 | 1,639 |
| Average earning assets | $378,159,500 | 1,602 |
| Average equity | $37,232,500 | 1,787 |
| Average total loans | $317,759,500 | 1,373 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7236% | 1,490 |
| Cost of funding earning assets | 1.6021% | 2,061 |
| Net interest margin | 4.1215% | 2,471 |
| Noninterest income to average assets | 1.3168% | 850 |
| Noninterest expense to average assets | 3.1319% | 3,342 |
| Loan and lease loss provision to assets | 0.7818% | 2,091 |
| Net operating income to assets | 0.8604% | 2,551 |
| Return on assets (ROA) | 0.8631% | 2,680 |
| Pretax return on assets | 1.2787% | 1,991 |
| Return on Equity (ROE) | 9.5591% | 2,091 |
| Retained earnings to average equity (ytd only) | 7.5898% | 1,120 |
| Net charge-offs to loans | 0.7108% | 2,880 |
| Credit loss provision to net charge-offs | 138.0846% | 2,765 |
| Earnings coverage of net charge-offs (x) | 3.6321% | 3,263 |
| Efficiency ratio | 60.0233% | 6,044 |
| Assets per employee ($millions) | 3.0685% | 5,950 |
| Cash dividends to net income (ytd only)* | 20.6020% | 3,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2566% | 5,217 |
| Loan loss allowance to noncurrent loans | 86.8937% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 1.2630% | 4,506 |
| Noncurrent loans to loans | 1.4461% | 4,315 |
| Net loans and leases to total assets | 79.4067% | 742 |
| Net loans and leases to deposits | 89.0939% | 1,631 |
| Net loans and leases to core deposits | 96.4453% | 1,949 |
| Total domestic deposits to total assets | 89.1270% | 1,583 |
| Equity capital to assets | 9.2144% | 4,819 |
| Core capital (leverage) ratio | 9.0995% | 4,358 |
| Tier 1 risk-based capital ratio | 14.1438% | 3,773 |
| Total risk-based capital ratio | 15.3976% | 3,729 |
| Memoranda: | ||
| Average total assets | $396,498,800 | 1,664 |
| Average earning assets | $372,458,000 | 1,615 |
| Average equity | $35,798,200 | 1,849 |
| Average total loans | $315,858,600 | 1,421 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7214% | 1,639 |
| Cost of funding earning assets | 1.6305% | 2,212 |
| Net interest margin | 4.0909% | 2,668 |
| Noninterest income to average assets | 1.2525% | 876 |
| Noninterest expense to average assets | 3.0337% | 3,631 |
| Loan and lease loss provision to assets | 0.6180% | 2,469 |
| Net operating income to assets | 0.9605% | 2,370 |
| Return on assets (ROA) | 0.9625% | 2,488 |
| Pretax return on assets | 1.4451% | 1,760 |
| Return on Equity (ROE) | 10.7163% | 1,871 |
| Retained earnings to average equity (ytd only) | 8.8228% | 1,112 |
| Net charge-offs to loans | 0.3407% | 3,943 |
| Credit loss provision to net charge-offs | 228.2338% | 1,506 |
| Earnings coverage of net charge-offs (x) | 7.6082% | 2,297 |
| Efficiency ratio | 59.2132% | 6,078 |
| Assets per employee ($millions) | 3.1626% | 5,773 |
| Cash dividends to net income (ytd only)* | 17.6698% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3121% | 4,887 |
| Loan loss allowance to noncurrent loans | 75.0714% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 1.4427% | 4,291 |
| Noncurrent loans to loans | 1.7478% | 4,019 |
| Net loans and leases to total assets | 76.3726% | 1,336 |
| Net loans and leases to deposits | 85.3168% | 2,461 |
| Net loans and leases to core deposits | 92.0199% | 2,793 |
| Total domestic deposits to total assets | 89.5165% | 1,119 |
| Equity capital to assets | 8.8953% | 5,706 |
| Core capital (leverage) ratio | 9.0907% | 4,543 |
| Tier 1 risk-based capital ratio | 13.7746% | 3,998 |
| Total risk-based capital ratio | 15.0289% | 3,953 |
| Memoranda: | ||
| Average total assets | $395,896,750 | 1,689 |
| Average earning assets | $371,740,500 | 1,649 |
| Average equity | $35,558,500 | 1,881 |
| Average total loans | $314,625,750 | 1,441 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8375% | 1,326 |
| Cost of funding earning assets | 1.6792% | 2,231 |
| Net interest margin | 4.1583% | 2,297 |
| Noninterest income to average assets | 1.2197% | 869 |
| Noninterest expense to average assets | 3.0532% | 3,510 |
| Loan and lease loss provision to assets | 0.3028% | 3,976 |
| Net operating income to assets | 1.1459% | 1,707 |
| Return on assets (ROA) | 1.1489% | 1,762 |
| Pretax return on assets | 1.7657% | 936 |
| Return on Equity (ROE) | 12.7481% | 1,300 |
| Retained earnings to average equity (ytd only) | 10.5561% | 736 |
| Net charge-offs to loans | 0.0761% | 5,381 |
| Credit loss provision to net charge-offs | 495.7983% | 750 |
| Earnings coverage of net charge-offs (x) | 33.7983% | 836 |
| Efficiency ratio | 59.3161% | 6,171 |
| Assets per employee ($millions) | 3.0456% | 6,044 |
| Cash dividends to net income (ytd only)* | 17.1952% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1422% | 5,731 |
| Loan loss allowance to noncurrent loans | 135.6266% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.7734% | 5,576 |
| Noncurrent loans to loans | 0.8421% | 5,592 |
| Net loans and leases to total assets | 79.7264% | 844 |
| Net loans and leases to deposits | 90.2708% | 1,809 |
| Net loans and leases to core deposits | 97.4777% | 2,283 |
| Total domestic deposits to total assets | 88.3191% | 1,820 |
| Equity capital to assets | 9.1592% | 5,200 |
| Core capital (leverage) ratio | 9.2377% | 4,234 |
| Tier 1 risk-based capital ratio | 13.5925% | 4,008 |
| Total risk-based capital ratio | 14.8443% | 3,965 |
| Memoranda: | ||
| Average total assets | $389,760,000 | 1,728 |
| Average earning assets | $365,296,000 | 1,684 |
| Average equity | $35,126,670 | 1,900 |
| Average total loans | $312,626,330 | 1,469 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7999% | 1,459 |
| Cost of funding earning assets | 1.7253% | 2,268 |
| Net interest margin | 4.0746% | 2,548 |
| Noninterest income to average assets | 1.1514% | 938 |
| Noninterest expense to average assets | 2.9813% | 3,744 |
| Loan and lease loss provision to assets | 0.2017% | 4,481 |
| Net operating income to assets | 1.1475% | 1,683 |
| Return on assets (ROA) | 1.1534% | 1,750 |
| Pretax return on assets | 1.8010% | 875 |
| Return on Equity (ROE) | 12.9058% | 1,273 |
| Retained earnings to average equity (ytd only) | 10.7645% | 973 |
| Net charge-offs to loans | 0.0854% | 4,567 |
| Credit loss provision to net charge-offs | 295.4545% | 1,344 |
| Earnings coverage of net charge-offs (x) | 29.1970% | 886 |
| Efficiency ratio | 59.5758% | 6,249 |
| Assets per employee ($millions) | 3.0572% | 6,091 |
| Cash dividends to net income (ytd only)* | 16.5919% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0639% | 6,163 |
| Loan loss allowance to noncurrent loans | 136.6832% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.6949% | 5,781 |
| Noncurrent loans to loans | 0.7784% | 5,771 |
| Net loans and leases to total assets | 79.1567% | 957 |
| Net loans and leases to deposits | 88.5216% | 2,131 |
| Net loans and leases to core deposits | 94.9759% | 2,701 |
| Total domestic deposits to total assets | 89.4207% | 1,285 |
| Equity capital to assets | 9.0383% | 5,220 |
| Core capital (leverage) ratio | 9.1227% | 4,333 |
| Tier 1 risk-based capital ratio | 13.5837% | 3,939 |
| Total risk-based capital ratio | 14.8341% | 3,902 |
| Memoranda: | ||
| Average total assets | $386,675,500 | 1,783 |
| Average earning assets | $362,836,500 | 1,733 |
| Average equity | $34,558,000 | 1,952 |
| Average total loans | $309,286,000 | 1,524 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0593% | 1,642 |
| Cost of funding earning assets | 2.0587% | 2,688 |
| Net interest margin | 4.0006% | 2,860 |
| Noninterest income to average assets | 1.3610% | 797 |
| Noninterest expense to average assets | 3.2386% | 3,243 |
| Loan and lease loss provision to assets | 0.2285% | 5,542 |
| Net operating income to assets | 1.1427% | 1,404 |
| Return on assets (ROA) | 1.1484% | 1,413 |
| Pretax return on assets | 1.6512% | 865 |
| Return on Equity (ROE) | 12.8599% | 993 |
| Retained earnings to average equity (ytd only) | 10.7787% | 301 |
| Net charge-offs to loans | 0.1563% | 5,702 |
| Credit loss provision to net charge-offs | 184.4444% | 2,217 |
| Earnings coverage of net charge-offs (x) | 15.1044% | 1,328 |
| Efficiency ratio | 62.9991% | 5,969 |
| Assets per employee ($millions) | 3.0562% | 6,079 |
| Cash dividends to net income (ytd only)* | 16.1832% | 3,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0314% | 6,208 |
| Loan loss allowance to noncurrent loans | 92.5408% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.9639% | 5,180 |
| Noncurrent loans to loans | 1.1145% | 5,097 |
| Net loans and leases to total assets | 79.1390% | 1,155 |
| Net loans and leases to deposits | 88.8119% | 2,420 |
| Net loans and leases to core deposits | 118.0441% | 2,124 |
| Total domestic deposits to total assets | 89.1086% | 1,430 |
| Equity capital to assets | 8.8352% | 5,372 |
| Core capital (leverage) ratio | 9.0106% | 4,397 |
| Tier 1 risk-based capital ratio | 13.1302% | 4,060 |
| Total risk-based capital ratio | 14.3555% | 4,026 |
| Memoranda: | ||
| Average total assets | $363,185,200 | 1,870 |
| Average earning assets | $340,353,200 | 1,833 |
| Average equity | $32,434,200 | 2,066 |
| Average total loans | $287,891,000 | 1,664 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0764% | 1,735 |
| Cost of funding earning assets | 2.1083% | 2,853 |
| Net interest margin | 3.9682% | 2,948 |
| Noninterest income to average assets | 1.3877% | 787 |
| Noninterest expense to average assets | 3.2249% | 3,216 |
| Loan and lease loss provision to assets | 0.2095% | 5,305 |
| Net operating income to assets | 1.1307% | 1,636 |
| Return on assets (ROA) | 1.1383% | 1,684 |
| Pretax return on assets | 1.6862% | 999 |
| Return on Equity (ROE) | 12.7100% | 1,171 |
| Retained earnings to average equity (ytd only) | 10.6291% | 525 |
| Net charge-offs to loans | 0.1372% | 5,330 |
| Credit loss provision to net charge-offs | 193.1271% | 2,343 |
| Earnings coverage of net charge-offs (x) | 17.3746% | 1,411 |
| Efficiency ratio | 62.7371% | 5,975 |
| Assets per employee ($millions) | 3.0101% | 6,139 |
| Cash dividends to net income (ytd only)* | 16.3720% | 3,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0471% | 6,024 |
| Loan loss allowance to noncurrent loans | 82.2032% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 1.0291% | 5,018 |
| Noncurrent loans to loans | 1.2738% | 4,813 |
| Net loans and leases to total assets | 77.6503% | 1,645 |
| Net loans and leases to deposits | 86.8221% | 3,163 |
| Net loans and leases to core deposits | 114.4509% | 2,787 |
| Total domestic deposits to total assets | 89.4361% | 998 |
| Equity capital to assets | 8.9912% | 5,489 |
| Core capital (leverage) ratio | 8.9902% | 4,663 |
| Tier 1 risk-based capital ratio | 13.5665% | 3,802 |
| Total risk-based capital ratio | 14.8168% | 3,740 |
| Memoranda: | ||
| Average total assets | $357,710,750 | 1,912 |
| Average earning assets | $335,495,250 | 1,868 |
| Average equity | $32,037,000 | 2,104 |
| Average total loans | $282,882,000 | 1,719 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0913% | 1,818 |
| Cost of funding earning assets | 2.1518% | 3,035 |
| Net interest margin | 3.9395% | 2,927 |
| Noninterest income to average assets | 1.3247% | 875 |
| Noninterest expense to average assets | 3.1447% | 3,522 |
| Loan and lease loss provision to assets | 0.1725% | 5,340 |
| Net operating income to assets | 1.1295% | 1,668 |
| Return on assets (ROA) | 1.1295% | 1,749 |
| Pretax return on assets | 1.6969% | 1,024 |
| Return on Equity (ROE) | 12.6295% | 1,253 |
| Retained earnings to average equity (ytd only) | 10.5362% | 635 |
| Net charge-offs to loans | 0.0665% | 5,573 |
| Credit loss provision to net charge-offs | 326.8817% | 1,429 |
| Earnings coverage of net charge-offs (x) | 35.4301% | 893 |
| Efficiency ratio | 62.3218% | 6,199 |
| Assets per employee ($millions) | 2.9136% | 6,347 |
| Cash dividends to net income (ytd only)* | 16.5746% | 3,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0323% | 6,004 |
| Loan loss allowance to noncurrent loans | 76.1651% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 1.1334% | 4,685 |
| Noncurrent loans to loans | 1.3553% | 4,500 |
| Net loans and leases to total assets | 78.5291% | 1,632 |
| Net loans and leases to deposits | 87.7545% | 3,205 |
| Net loans and leases to core deposits | 113.6197% | 2,957 |
| Total domestic deposits to total assets | 89.4872% | 1,045 |
| Equity capital to assets | 8.8157% | 5,575 |
| Core capital (leverage) ratio | 8.9552% | 4,708 |
| Tier 1 risk-based capital ratio | 13.1036% | 4,069 |
| Total risk-based capital ratio | 14.3287% | 4,002 |
| Memoranda: | ||
| Average total assets | $352,530,000 | 1,963 |
| Average earning assets | $330,144,670 | 1,916 |
| Average equity | $31,529,330 | 2,143 |
| Average total loans | $279,543,000 | 1,777 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1415% | 1,792 |
| Cost of funding earning assets | 2.1962% | 3,184 |
| Net interest margin | 3.9453% | 2,868 |
| Noninterest income to average assets | 1.2583% | 902 |
| Noninterest expense to average assets | 3.1294% | 3,271 |
| Loan and lease loss provision to assets | 0.1761% | 4,701 |
| Net operating income to assets | 1.0995% | 1,966 |
| Return on assets (ROA) | 1.0995% | 2,090 |
| Pretax return on assets | 1.6429% | 1,307 |
| Return on Equity (ROE) | 12.2011% | 1,598 |
| Retained earnings to average equity (ytd only) | 11.6868% | 851 |
| Net charge-offs to loans | -0.0482% | 7,685 |
| Credit loss provision to net charge-offs | -460.6061% | 6,388 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8424% | 5,908 |
| Assets per employee ($millions) | 2.7760% | 6,700 |
| Cash dividends to net income (ytd only)* | 4.2150% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 5,592 |
| Loan loss allowance to noncurrent loans | 210.3740% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.4161% | 6,253 |
| Noncurrent loans to loans | 0.5149% | 6,142 |
| Net loans and leases to total assets | 77.2141% | 1,990 |
| Net loans and leases to deposits | 86.1588% | 3,599 |
| Net loans and leases to core deposits | 110.8617% | 3,326 |
| Total domestic deposits to total assets | 89.6184% | 963 |
| Equity capital to assets | 8.9399% | 5,422 |
| Core capital (leverage) ratio | 9.1772% | 4,438 |
| Tier 1 risk-based capital ratio | 13.4378% | 3,907 |
| Total risk-based capital ratio | 14.6855% | 3,825 |
| Memoranda: | ||
| Average total assets | $345,237,000 | 2,010 |
| Average earning assets | $322,918,500 | 1,966 |
| Average equity | $31,112,000 | 2,181 |
| Average total loans | $273,664,500 | 1,806 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6837% | 2,085 |
| Cost of funding earning assets | 2.5541% | 3,931 |
| Net interest margin | 4.1296% | 2,585 |
| Noninterest income to average assets | 1.1694% | 1,130 |
| Noninterest expense to average assets | 3.3701% | 2,763 |
| Loan and lease loss provision to assets | 0.1908% | 4,978 |
| Net operating income to assets | 1.0088% | 2,516 |
| Return on assets (ROA) | 0.9093% | 2,810 |
| Pretax return on assets | 1.3158% | 2,258 |
| Return on Equity (ROE) | 9.9079% | 2,293 |
| Retained earnings to average equity (ytd only) | 7.3390% | 1,039 |
| Net charge-offs to loans | 0.1715% | 4,490 |
| Credit loss provision to net charge-offs | 141.1085% | 3,759 |
| Earnings coverage of net charge-offs (x) | 12.2102% | 2,277 |
| Efficiency ratio | 66.6853% | 4,976 |
| Assets per employee ($millions) | 2.6400% | 6,920 |
| Cash dividends to net income (ytd only)* | 25.9272% | 4,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0275% | 5,797 |
| Loan loss allowance to noncurrent loans | 171.8500% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.4915% | 5,729 |
| Noncurrent loans to loans | 0.5979% | 5,579 |
| Net loans and leases to total assets | 79.7025% | 1,725 |
| Net loans and leases to deposits | 90.2704% | 3,406 |
| Net loans and leases to core deposits | 114.4148% | 3,288 |
| Total domestic deposits to total assets | 88.2930% | 1,339 |
| Equity capital to assets | 9.0868% | 5,248 |
| Core capital (leverage) ratio | 9.0523% | 4,670 |
| Tier 1 risk-based capital ratio | 12.9172% | 4,153 |
| Total risk-based capital ratio | 14.1118% | 4,110 |
| Memoranda: | ||
| Average total assets | $320,258,400 | 2,084 |
| Average earning assets | $298,697,800 | 2,048 |
| Average equity | $29,390,800 | 2,301 |
| Average total loans | $252,451,800 | 1,889 |