Home > Community State Bank > Performance and Condition Ratios
Community State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4765% | 1,196 |
| Cost of funding earning assets | 1.7531% | 1,343 |
| Net interest margin | 3.7233% | 1,714 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 2.3196% | 2,797 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.1318% | 1,825 |
| Return on assets (ROA) | 1.1343% | 1,803 |
| Pretax return on assets | 1.4497% | 1,535 |
| Return on Equity (ROE) | 14.6500% | 1,354 |
| Retained earnings to average equity (ytd only) | 9.5326% | 1,128 |
| Net charge-offs to loans | -0.0056% | 3,855 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.9387% | 2,978 |
| Assets per employee ($millions) | 7.4809% | 1,741 |
| Cash dividends to net income (ytd only)* | 34.9407% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1605% | 2,500 |
| Loan loss allowance to noncurrent loans | 1,916.9725% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.0448% | 3,295 |
| Noncurrent loans to loans | 0.0605% | 3,284 |
| Net loans and leases to total assets | 73.2000% | 1,450 |
| Net loans and leases to deposits | 83.5074% | 1,818 |
| Net loans and leases to core deposits | 88.6041% | 2,145 |
| Total domestic deposits to total assets | 87.6600% | 1,466 |
| Equity capital to assets | 7.4623% | 3,740 |
| Core capital (leverage) ratio | 8.7154% | 3,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8618% | 2,287 |
| Memoranda: | ||
| Average total assets | $446,107,200 | 1,872 |
| Average earning assets | $426,661,600 | 1,819 |
| Average equity | $34,534,200 | 2,071 |
| Average total loans | $339,868,600 | 1,649 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3827% | 1,157 |
| Cost of funding earning assets | 1.5778% | 1,412 |
| Net interest margin | 3.8050% | 1,583 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.3711% | 2,590 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.1784% | 1,852 |
| Return on assets (ROA) | 1.1817% | 1,826 |
| Pretax return on assets | 1.4988% | 1,553 |
| Return on Equity (ROE) | 15.1100% | 1,424 |
| Retained earnings to average equity (ytd only) | 9.9285% | 1,426 |
| Net charge-offs to loans | -0.0016% | 3,542 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.9766% | 2,844 |
| Assets per employee ($millions) | 7.0755% | 1,904 |
| Cash dividends to net income (ytd only)* | 34.3079% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1779% | 2,486 |
| Loan loss allowance to noncurrent loans | 1,796.0177% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 3,308 |
| Noncurrent loans to loans | 0.0656% | 3,284 |
| Net loans and leases to total assets | 75.2000% | 1,209 |
| Net loans and leases to deposits | 86.3069% | 1,533 |
| Net loans and leases to core deposits | 91.5686% | 1,829 |
| Total domestic deposits to total assets | 87.1300% | 1,849 |
| Equity capital to assets | 7.6086% | 3,288 |
| Core capital (leverage) ratio | 8.9430% | 3,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2759% | 2,172 |
| Memoranda: | ||
| Average total assets | $436,069,250 | 1,900 |
| Average earning assets | $417,374,000 | 1,847 |
| Average equity | $34,096,250 | 2,079 |
| Average total loans | $334,807,000 | 1,662 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2564% | 1,138 |
| Cost of funding earning assets | 1.3248% | 1,644 |
| Net interest margin | 3.9316% | 1,364 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.4099% | 2,451 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.2650% | 1,654 |
| Return on assets (ROA) | 1.2702% | 1,633 |
| Pretax return on assets | 1.5875% | 1,432 |
| Return on Equity (ROE) | 16.0900% | 1,252 |
| Retained earnings to average equity (ytd only) | 10.8897% | 1,211 |
| Net charge-offs to loans | -0.0012% | 3,463 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.8615% | 2,980 |
| Assets per employee ($millions) | 7.1654% | 1,807 |
| Cash dividends to net income (ytd only)* | 32.3336% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2140% | 2,374 |
| Loan loss allowance to noncurrent loans | 2,456.5476% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 3,416 |
| Noncurrent loans to loans | 0.0494% | 3,356 |
| Net loans and leases to total assets | 73.2300% | 1,378 |
| Net loans and leases to deposits | 83.8864% | 1,676 |
| Net loans and leases to core deposits | 88.4396% | 1,901 |
| Total domestic deposits to total assets | 87.3000% | 1,831 |
| Equity capital to assets | 7.6316% | 3,451 |
| Core capital (leverage) ratio | 9.0662% | 3,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4411% | 2,121 |
| Memoranda: | ||
| Average total assets | $430,481,667 | 1,917 |
| Average earning assets | $412,603,333 | 1,867 |
| Average equity | $33,977,000 | 2,095 |
| Average total loans | $331,542,667 | 1,666 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9856% | 1,254 |
| Cost of funding earning assets | 1.0382% | 1,923 |
| Net interest margin | 3.9473% | 1,373 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 2.5032% | 2,237 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.1660% | 2,034 |
| Return on assets (ROA) | 1.1767% | 1,961 |
| Pretax return on assets | 1.5273% | 1,608 |
| Return on Equity (ROE) | 14.6400% | 1,638 |
| Retained earnings to average equity (ytd only) | 9.3585% | 1,853 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.9444% | 2,708 |
| Assets per employee ($millions) | 6.3619% | 2,444 |
| Cash dividends to net income (ytd only)* | 36.0816% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2579% | 2,250 |
| Loan loss allowance to noncurrent loans | 2,680.9211% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 3,408 |
| Noncurrent loans to loans | 0.0469% | 3,399 |
| Net loans and leases to total assets | 79.8100% | 557 |
| Net loans and leases to deposits | 87.5145% | 1,250 |
| Net loans and leases to core deposits | 92.3446% | 1,486 |
| Total domestic deposits to total assets | 91.2000% | 736 |
| Equity capital to assets | 8.4828% | 2,911 |
| Core capital (leverage) ratio | 9.3189% | 3,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2899% | 2,274 |
| Memoranda: | ||
| Average total assets | $416,431,000 | 1,989 |
| Average earning assets | $398,750,000 | 1,940 |
| Average equity | $33,467,000 | 2,144 |
| Average total loans | $327,332,500 | 1,693 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1362% | 1,383 |
| Cost of funding earning assets | 0.4337% | 1,832 |
| Net interest margin | 3.7025% | 1,371 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 2.3397% | 2,616 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.1253% | 2,073 |
| Return on assets (ROA) | 1.1253% | 2,015 |
| Pretax return on assets | 1.4338% | 1,680 |
| Return on Equity (ROE) | 13.3600% | 1,690 |
| Retained earnings to average equity (ytd only) | 8.9156% | 1,504 |
| Net charge-offs to loans | -0.0172% | 4,010 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.7570% | 2,947 |
| Assets per employee ($millions) | 6.8581% | 2,075 |
| Cash dividends to net income (ytd only)* | 33.2517% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2247% | 2,271 |
| Loan loss allowance to noncurrent loans | 481.5696% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.1946% | 2,200 |
| Noncurrent loans to loans | 0.2543% | 2,246 |
| Net loans and leases to total assets | 75.6000% | 1,047 |
| Net loans and leases to deposits | 81.9572% | 1,616 |
| Net loans and leases to core deposits | 85.2679% | 1,801 |
| Total domestic deposits to total assets | 92.2500% | 572 |
| Equity capital to assets | 7.6227% | 3,313 |
| Core capital (leverage) ratio | 8.9286% | 3,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5115% | 2,569 |
| Memoranda: | ||
| Average total assets | $399,279,600 | 2,034 |
| Average earning assets | $382,982,800 | 1,977 |
| Average equity | $33,637,600 | 2,176 |
| Average total loans | $290,970,800 | 1,766 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8971% | 1,487 |
| Cost of funding earning assets | 0.2842% | 2,339 |
| Net interest margin | 3.6129% | 1,363 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.2375% | 2,827 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2239% | 1,614 |
| Return on assets (ROA) | 1.2239% | 1,586 |
| Pretax return on assets | 1.5550% | 1,249 |
| Return on Equity (ROE) | 14.1600% | 1,385 |
| Retained earnings to average equity (ytd only) | 9.9406% | 1,357 |
| Net charge-offs to loans | -0.0133% | 3,825 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.9986% | 3,246 |
| Assets per employee ($millions) | 6.4267% | 2,386 |
| Cash dividends to net income (ytd only)* | 29.7772% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1993% | 2,533 |
| Loan loss allowance to noncurrent loans | 371.9000% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.2510% | 1,964 |
| Noncurrent loans to loans | 0.3225% | 2,080 |
| Net loans and leases to total assets | 76.8900% | 814 |
| Net loans and leases to deposits | 83.8064% | 1,315 |
| Net loans and leases to core deposits | 86.6474% | 1,487 |
| Total domestic deposits to total assets | 91.7500% | 955 |
| Equity capital to assets | 8.0466% | 2,863 |
| Core capital (leverage) ratio | 9.3160% | 3,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9751% | 2,483 |
| Memoranda: | ||
| Average total assets | $391,083,750 | 2,075 |
| Average earning assets | $375,275,750 | 2,026 |
| Average equity | $33,813,250 | 2,197 |
| Average total loans | $281,038,250 | 1,802 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6857% | 1,571 |
| Cost of funding earning assets | 0.2492% | 2,283 |
| Net interest margin | 3.4365% | 1,492 |
| Noninterest income to average assets | 0.3618% | 2,978 |
| Noninterest expense to average assets | 2.2124% | 2,811 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1492% | 1,605 |
| Return on assets (ROA) | 1.1492% | 1,585 |
| Pretax return on assets | 1.4492% | 1,310 |
| Return on Equity (ROE) | 12.9837% | 1,384 |
| Retained earnings to average equity (ytd only) | 9.0066% | 1,284 |
| Net charge-offs to loans | -0.0192% | 3,852 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4216% | 3,243 |
| Assets per employee ($millions) | 6.7424% | 2,125 |
| Cash dividends to net income (ytd only)* | 30.6314% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2638% | 2,363 |
| Loan loss allowance to noncurrent loans | 333.0645% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.2805% | 1,905 |
| Noncurrent loans to loans | 0.3794% | 2,002 |
| Net loans and leases to total assets | 72.9994% | 1,005 |
| Net loans and leases to deposits | 79.5390% | 1,416 |
| Net loans and leases to core deposits | 83.0546% | 1,515 |
| Total domestic deposits to total assets | 91.7781% | 936 |
| Equity capital to assets | 8.0140% | 3,117 |
| Core capital (leverage) ratio | 8.6497% | 3,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2702% | 2,385 |
| Memoranda: | ||
| Average total assets | $388,626,667 | 2,098 |
| Average earning assets | $373,175,667 | 2,057 |
| Average equity | $34,397,000 | 2,223 |
| Average total loans | $271,349,333 | 1,846 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4772% | 1,878 |
| Cost of funding earning assets | 0.2440% | 2,227 |
| Net interest margin | 3.2333% | 1,773 |
| Noninterest income to average assets | 0.3645% | 2,903 |
| Noninterest expense to average assets | 2.2102% | 2,812 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9874% | 1,928 |
| Return on assets (ROA) | 0.9874% | 1,924 |
| Pretax return on assets | 1.2603% | 1,618 |
| Return on Equity (ROE) | 10.6351% | 1,749 |
| Retained earnings to average equity (ytd only) | 7.2471% | 1,809 |
| Net charge-offs to loans | -0.0400% | 4,186 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6855% | 3,069 |
| Assets per employee ($millions) | 6.7792% | 2,164 |
| Cash dividends to net income (ytd only)* | 31.8565% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3919% | 1,937 |
| Loan loss allowance to noncurrent loans | 332.1716% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.2896% | 1,962 |
| Noncurrent loans to loans | 0.4190% | 1,986 |
| Net loans and leases to total assets | 68.1488% | 1,198 |
| Net loans and leases to deposits | 75.9363% | 1,454 |
| Net loans and leases to core deposits | 78.3493% | 1,587 |
| Total domestic deposits to total assets | 89.7446% | 1,694 |
| Equity capital to assets | 8.9583% | 2,747 |
| Core capital (leverage) ratio | 9.3364% | 2,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3506% | 2,057 |
| Memoranda: | ||
| Average total assets | $384,039,000 | 2,119 |
| Average earning assets | $368,914,500 | 2,078 |
| Average equity | $35,655,500 | 2,231 |
| Average total loans | $259,969,000 | 1,891 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9071% | 1,594 |
| Cost of funding earning assets | 0.2190% | 3,274 |
| Net interest margin | 3.6882% | 1,244 |
| Noninterest income to average assets | 0.3309% | 3,434 |
| Noninterest expense to average assets | 2.1162% | 3,351 |
| Loan and lease loss provision to assets | 0.1812% | 634 |
| Net operating income to assets | 1.1955% | 1,938 |
| Return on assets (ROA) | 1.1955% | 1,995 |
| Pretax return on assets | 1.5643% | 1,526 |
| Return on Equity (ROE) | 12.0602% | 1,797 |
| Retained earnings to average equity (ytd only) | 7.1112% | 1,878 |
| Net charge-offs to loans | 0.0139% | 2,046 |
| Credit loss provision to net charge-offs | 1,911.7647% | 318 |
| Earnings coverage of net charge-offs (x) | 184.1765% | 570 |
| Efficiency ratio | 54.8001% | 3,844 |
| Assets per employee ($millions) | 7.0679% | 1,884 |
| Cash dividends to net income (ytd only)* | 41.0352% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 1,699 |
| Loan loss allowance to noncurrent loans | 812.9956% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.1190% | 3,094 |
| Noncurrent loans to loans | 0.1795% | 3,045 |
| Net loans and leases to total assets | 65.2914% | 1,556 |
| Net loans and leases to deposits | 74.5149% | 1,687 |
| Net loans and leases to core deposits | 76.6089% | 1,866 |
| Total domestic deposits to total assets | 87.6219% | 2,234 |
| Equity capital to assets | 9.6144% | 3,033 |
| Core capital (leverage) ratio | 8.8702% | 3,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9575% | 1,858 |
| Memoranda: | ||
| Average total assets | $358,763,600 | 2,155 |
| Average earning assets | $343,450,800 | 2,111 |
| Average equity | $35,563,400 | 2,264 |
| Average total loans | $244,910,200 | 1,961 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0697% | 1,371 |
| Cost of funding earning assets | 0.2283% | 3,343 |
| Net interest margin | 3.8414% | 1,040 |
| Noninterest income to average assets | 0.3252% | 3,479 |
| Noninterest expense to average assets | 2.0670% | 3,464 |
| Loan and lease loss provision to assets | 0.2456% | 379 |
| Net operating income to assets | 1.2875% | 1,863 |
| Return on assets (ROA) | 1.2875% | 1,917 |
| Pretax return on assets | 1.6863% | 1,439 |
| Return on Equity (ROE) | 12.8831% | 1,731 |
| Retained earnings to average equity (ytd only) | 7.8871% | 2,091 |
| Net charge-offs to loans | 0.0252% | 1,536 |
| Credit loss provision to net charge-offs | 1,413.0435% | 419 |
| Earnings coverage of net charge-offs (x) | 111.1957% | 811 |
| Efficiency ratio | 51.6906% | 4,051 |
| Assets per employee ($millions) | 7.5232% | 1,553 |
| Cash dividends to net income (ytd only)* | 38.7797% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5938% | 1,353 |
| Loan loss allowance to noncurrent loans | 419.4983% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.2379% | 2,589 |
| Noncurrent loans to loans | 0.3799% | 2,421 |
| Net loans and leases to total assets | 61.6181% | 2,055 |
| Net loans and leases to deposits | 70.6671% | 2,173 |
| Net loans and leases to core deposits | 72.5968% | 2,367 |
| Total domestic deposits to total assets | 87.1949% | 2,271 |
| Equity capital to assets | 9.8661% | 3,028 |
| Core capital (leverage) ratio | 9.2971% | 3,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2382% | 1,557 |
| Memoranda: | ||
| Average total assets | $353,038,000 | 2,198 |
| Average earning assets | $337,612,500 | 2,166 |
| Average equity | $35,280,500 | 2,304 |
| Average total loans | $242,916,250 | 2,002 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9228% | 1,761 |
| Cost of funding earning assets | 0.2427% | 3,347 |
| Net interest margin | 3.6801% | 1,396 |
| Noninterest income to average assets | 0.3243% | 3,483 |
| Noninterest expense to average assets | 2.0624% | 3,516 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3541% | 1,696 |
| Return on assets (ROA) | 1.3541% | 1,777 |
| Pretax return on assets | 1.7750% | 1,290 |
| Return on Equity (ROE) | 13.4890% | 1,565 |
| Retained earnings to average equity (ytd only) | 8.4199% | 1,926 |
| Net charge-offs to loans | 0.0389% | 1,243 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 64.3125% | 940 |
| Efficiency ratio | 53.7459% | 3,834 |
| Assets per employee ($millions) | 7.9257% | 1,247 |
| Cash dividends to net income (ytd only)* | 37.5796% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2214% | 2,815 |
| Loan loss allowance to noncurrent loans | 4,656.9231% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 4,164 |
| Noncurrent loans to loans | 0.0262% | 4,088 |
| Net loans and leases to total assets | 67.1442% | 1,560 |
| Net loans and leases to deposits | 77.1231% | 1,713 |
| Net loans and leases to core deposits | 78.8712% | 1,967 |
| Total domestic deposits to total assets | 87.0610% | 2,282 |
| Equity capital to assets | 9.7910% | 3,068 |
| Core capital (leverage) ratio | 9.1566% | 3,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0420% | 1,615 |
| Memoranda: | ||
| Average total assets | $347,839,000 | 2,213 |
| Average earning assets | $332,054,667 | 2,182 |
| Average equity | $34,917,333 | 2,314 |
| Average total loans | $246,946,667 | 1,984 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2085% | 1,189 |
| Cost of funding earning assets | 0.2688% | 3,290 |
| Net interest margin | 3.9397% | 925 |
| Noninterest income to average assets | 0.3158% | 3,515 |
| Noninterest expense to average assets | 2.0562% | 3,546 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5177% | 1,287 |
| Return on assets (ROA) | 1.5177% | 1,349 |
| Pretax return on assets | 2.0067% | 937 |
| Return on Equity (ROE) | 14.9212% | 1,232 |
| Retained earnings to average equity (ytd only) | 9.7428% | 1,730 |
| Net charge-offs to loans | 0.0860% | 764 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 32.1321% | 1,068 |
| Efficiency ratio | 50.6090% | 4,138 |
| Assets per employee ($millions) | 7.3888% | 1,525 |
| Cash dividends to net income (ytd only)* | 34.7050% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 2,784 |
| Loan loss allowance to noncurrent loans | 676.0626% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.1287% | 3,529 |
| Noncurrent loans to loans | 0.1814% | 3,456 |
| Net loans and leases to total assets | 70.0787% | 1,276 |
| Net loans and leases to deposits | 82.5509% | 1,296 |
| Net loans and leases to core deposits | 84.1627% | 1,666 |
| Total domestic deposits to total assets | 84.8915% | 3,149 |
| Equity capital to assets | 9.9794% | 2,725 |
| Core capital (leverage) ratio | 9.8708% | 2,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8076% | 1,961 |
| Memoranda: | ||
| Average total assets | $339,468,000 | 2,242 |
| Average earning assets | $322,871,000 | 2,207 |
| Average equity | $34,528,000 | 2,331 |
| Average total loans | $246,509,000 | 1,984 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3754% | 1,654 |
| Cost of funding earning assets | 0.4193% | 3,464 |
| Net interest margin | 3.9561% | 1,072 |
| Noninterest income to average assets | 0.3781% | 3,222 |
| Noninterest expense to average assets | 2.2990% | 3,401 |
| Loan and lease loss provision to assets | 0.1056% | 3,016 |
| Net operating income to assets | 1.3202% | 1,200 |
| Return on assets (ROA) | 1.3097% | 1,326 |
| Pretax return on assets | 1.7189% | 820 |
| Return on Equity (ROE) | 12.6625% | 1,131 |
| Retained earnings to average equity (ytd only) | 6.7131% | 1,504 |
| Net charge-offs to loans | 0.0100% | 2,957 |
| Credit loss provision to net charge-offs | 1,387.5000% | 603 |
| Earnings coverage of net charge-offs (x) | 241.4167% | 413 |
| Efficiency ratio | 55.5743% | 4,037 |
| Assets per employee ($millions) | 6.9096% | 1,637 |
| Cash dividends to net income (ytd only)* | 46.9847% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2468% | 2,708 |
| Loan loss allowance to noncurrent loans | 2,421.2598% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0383% | 4,162 |
| Noncurrent loans to loans | 0.0515% | 4,087 |
| Net loans and leases to total assets | 73.4350% | 1,097 |
| Net loans and leases to deposits | 86.8679% | 1,183 |
| Net loans and leases to core deposits | 88.8317% | 1,620 |
| Total domestic deposits to total assets | 84.5364% | 2,936 |
| Equity capital to assets | 10.3720% | 2,781 |
| Core capital (leverage) ratio | 9.6128% | 3,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6153% | 2,006 |
| Memoranda: | ||
| Average total assets | $315,263,000 | 2,212 |
| Average earning assets | $299,540,000 | 2,184 |
| Average equity | $32,608,000 | 2,352 |
| Average total loans | $239,076,000 | 1,973 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4154% | 1,815 |
| Cost of funding earning assets | 0.4523% | 3,516 |
| Net interest margin | 3.9631% | 1,203 |
| Noninterest income to average assets | 0.3874% | 3,145 |
| Noninterest expense to average assets | 2.2688% | 3,503 |
| Loan and lease loss provision to assets | 0.1427% | 2,594 |
| Net operating income to assets | 1.3181% | 1,313 |
| Return on assets (ROA) | 1.3039% | 1,442 |
| Pretax return on assets | 1.7200% | 927 |
| Return on Equity (ROE) | 12.6158% | 1,216 |
| Retained earnings to average equity (ytd only) | 6.4260% | 1,913 |
| Net charge-offs to loans | 0.0112% | 2,705 |
| Credit loss provision to net charge-offs | 1,665.0000% | 572 |
| Earnings coverage of net charge-offs (x) | 219.4500% | 466 |
| Efficiency ratio | 54.6778% | 4,079 |
| Assets per employee ($millions) | 6.5567% | 1,786 |
| Cash dividends to net income (ytd only)* | 49.0634% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2169% | 2,573 |
| Loan loss allowance to noncurrent loans | 377.3284% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.2489% | 3,190 |
| Noncurrent loans to loans | 0.3225% | 3,130 |
| Net loans and leases to total assets | 76.2405% | 1,064 |
| Net loans and leases to deposits | 90.3120% | 1,236 |
| Net loans and leases to core deposits | 93.4429% | 1,679 |
| Total domestic deposits to total assets | 84.4190% | 2,669 |
| Equity capital to assets | 10.2466% | 3,012 |
| Core capital (leverage) ratio | 9.6682% | 3,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3262% | 2,059 |
| Memoranda: | ||
| Average total assets | $311,163,250 | 2,213 |
| Average earning assets | $295,382,000 | 2,182 |
| Average equity | $32,160,000 | 2,366 |
| Average total loans | $237,187,250 | 1,985 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5487% | 1,783 |
| Cost of funding earning assets | 0.4907% | 3,591 |
| Net interest margin | 4.0581% | 1,199 |
| Noninterest income to average assets | 0.4025% | 3,058 |
| Noninterest expense to average assets | 2.2788% | 3,581 |
| Loan and lease loss provision to assets | 0.2179% | 1,913 |
| Net operating income to assets | 1.3378% | 1,253 |
| Return on assets (ROA) | 1.3161% | 1,422 |
| Pretax return on assets | 1.7212% | 957 |
| Return on Equity (ROE) | 12.6946% | 1,172 |
| Retained earnings to average equity (ytd only) | 6.0980% | 2,033 |
| Net charge-offs to loans | 0.0155% | 2,431 |
| Credit loss provision to net charge-offs | 1,850.0000% | 513 |
| Earnings coverage of net charge-offs (x) | 166.9444% | 503 |
| Efficiency ratio | 53.6766% | 4,216 |
| Assets per employee ($millions) | 7.2368% | 1,302 |
| Cash dividends to net income (ytd only)* | 51.9642% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2318% | 2,345 |
| Loan loss allowance to noncurrent loans | 520.4392% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.1669% | 3,688 |
| Noncurrent loans to loans | 0.2367% | 3,528 |
| Net loans and leases to total assets | 69.6690% | 2,083 |
| Net loans and leases to deposits | 81.3099% | 2,276 |
| Net loans and leases to core deposits | 83.8656% | 2,614 |
| Total domestic deposits to total assets | 85.6833% | 2,130 |
| Equity capital to assets | 9.2690% | 3,864 |
| Core capital (leverage) ratio | 8.9929% | 3,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3461% | 2,053 |
| Memoranda: | ||
| Average total assets | $305,606,000 | 2,217 |
| Average earning assets | $289,399,333 | 2,190 |
| Average equity | $31,682,667 | 2,377 |
| Average total loans | $231,909,000 | 2,001 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7273% | 1,627 |
| Cost of funding earning assets | 0.5295% | 3,796 |
| Net interest margin | 4.1978% | 931 |
| Noninterest income to average assets | 0.4753% | 2,680 |
| Noninterest expense to average assets | 2.5271% | 3,185 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4458% | 886 |
| Return on assets (ROA) | 1.4514% | 953 |
| Pretax return on assets | 1.9039% | 566 |
| Return on Equity (ROE) | 13.1232% | 862 |
| Retained earnings to average equity (ytd only) | 5.4423% | 2,093 |
| Net charge-offs to loans | 0.0018% | 2,531 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 1,333.0000% | 37 |
| Efficiency ratio | 57.1245% | 4,099 |
| Assets per employee ($millions) | 5.9110% | 1,750 |
| Cash dividends to net income (ytd only)* | 58.5294% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2250% | 2,534 |
| Loan loss allowance to noncurrent loans | 1,783.8710% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0546% | 4,319 |
| Noncurrent loans to loans | 0.0687% | 4,257 |
| Net loans and leases to total assets | 78.5760% | 893 |
| Net loans and leases to deposits | 94.6482% | 1,021 |
| Net loans and leases to core deposits | 98.2474% | 1,603 |
| Total domestic deposits to total assets | 83.0189% | 3,108 |
| Equity capital to assets | 10.8819% | 2,962 |
| Core capital (leverage) ratio | 11.0341% | 2,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8155% | 1,658 |
| Memoranda: | ||
| Average total assets | $281,108,500 | 2,314 |
| Average earning assets | $264,421,500 | 2,293 |
| Average equity | $31,090,000 | 2,397 |
| Average total loans | $222,799,500 | 2,036 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9986% | 1,487 |
| Cost of funding earning assets | 0.5525% | 3,862 |
| Net interest margin | 4.4461% | 808 |
| Noninterest income to average assets | 0.4908% | 2,793 |
| Noninterest expense to average assets | 2.6812% | 2,938 |
| Loan and lease loss provision to assets | 0.0277% | 3,462 |
| Net operating income to assets | 1.5118% | 1,021 |
| Return on assets (ROA) | 1.5112% | 1,086 |
| Pretax return on assets | 1.9684% | 640 |
| Return on Equity (ROE) | 13.7642% | 947 |
| Retained earnings to average equity (ytd only) | 8.3823% | 864 |
| Net charge-offs to loans | 0.0198% | 3,025 |
| Credit loss provision to net charge-offs | 170.4545% | 1,523 |
| Earnings coverage of net charge-offs (x) | 122.8864% | 579 |
| Efficiency ratio | 57.3143% | 4,050 |
| Assets per employee ($millions) | 5.8019% | 1,793 |
| Cash dividends to net income (ytd only)* | 39.1007% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2579% | 2,126 |
| Loan loss allowance to noncurrent loans | 1,796.1039% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0553% | 4,351 |
| Noncurrent loans to loans | 0.0700% | 4,255 |
| Net loans and leases to total assets | 77.9657% | 1,087 |
| Net loans and leases to deposits | 94.2899% | 1,131 |
| Net loans and leases to core deposits | 97.5321% | 1,772 |
| Total domestic deposits to total assets | 82.6873% | 3,311 |
| Equity capital to assets | 11.2410% | 2,770 |
| Core capital (leverage) ratio | 10.6467% | 2,811 |
| Tier 1 risk-based capital ratio | 14.8278% | 2,858 |
| Total risk-based capital ratio | 16.0786% | 2,782 |
| Memoranda: | ||
| Average total assets | $270,773,800 | 2,326 |
| Average earning assets | $255,009,000 | 2,304 |
| Average equity | $29,729,400 | 2,410 |
| Average total loans | $221,878,400 | 2,019 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0284% | 1,467 |
| Cost of funding earning assets | 0.5519% | 3,916 |
| Net interest margin | 4.4765% | 807 |
| Noninterest income to average assets | 0.4930% | 2,777 |
| Noninterest expense to average assets | 2.6290% | 3,079 |
| Loan and lease loss provision to assets | 0.0372% | 3,155 |
| Net operating income to assets | 1.5630% | 1,016 |
| Return on assets (ROA) | 1.5622% | 1,077 |
| Pretax return on assets | 2.0378% | 635 |
| Return on Equity (ROE) | 14.3168% | 923 |
| Retained earnings to average equity (ytd only) | 8.8628% | 1,085 |
| Net charge-offs to loans | 0.0300% | 2,473 |
| Credit loss provision to net charge-offs | 150.0000% | 1,631 |
| Earnings coverage of net charge-offs (x) | 83.7137% | 835 |
| Efficiency ratio | 55.8765% | 4,179 |
| Assets per employee ($millions) | 5.5533% | 1,979 |
| Cash dividends to net income (ytd only)* | 38.0952% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2575% | 2,189 |
| Loan loss allowance to noncurrent loans | 1,237.6682% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.0803% | 4,321 |
| Noncurrent loans to loans | 0.1016% | 4,189 |
| Net loans and leases to total assets | 78.0538% | 1,135 |
| Net loans and leases to deposits | 94.4213% | 1,186 |
| Net loans and leases to core deposits | 97.2598% | 1,879 |
| Total domestic deposits to total assets | 82.6654% | 3,262 |
| Equity capital to assets | 11.0947% | 3,017 |
| Core capital (leverage) ratio | 10.7468% | 2,895 |
| Tier 1 risk-based capital ratio | 14.1792% | 3,233 |
| Total risk-based capital ratio | 15.4296% | 3,140 |
| Memoranda: | ||
| Average total assets | $268,845,000 | 2,353 |
| Average earning assets | $252,958,750 | 2,335 |
| Average equity | $29,335,500 | 2,443 |
| Average total loans | $222,375,000 | 2,022 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0406% | 1,369 |
| Cost of funding earning assets | 0.5501% | 3,874 |
| Net interest margin | 4.4904% | 786 |
| Noninterest income to average assets | 0.5009% | 2,669 |
| Noninterest expense to average assets | 2.6498% | 3,062 |
| Loan and lease loss provision to assets | 0.0564% | 2,695 |
| Net operating income to assets | 1.5541% | 1,006 |
| Return on assets (ROA) | 1.5464% | 1,066 |
| Pretax return on assets | 2.0150% | 662 |
| Return on Equity (ROE) | 14.2553% | 924 |
| Retained earnings to average equity (ytd only) | 8.7085% | 1,126 |
| Net charge-offs to loans | 0.0466% | 1,982 |
| Credit loss provision to net charge-offs | 144.2308% | 1,539 |
| Earnings coverage of net charge-offs (x) | 53.2115% | 1,055 |
| Efficiency ratio | 56.0095% | 4,244 |
| Assets per employee ($millions) | 4.9614% | 2,528 |
| Cash dividends to net income (ytd only)* | 38.9105% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2243% | 2,391 |
| Loan loss allowance to noncurrent loans | 4,521.3115% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0228% | 4,665 |
| Noncurrent loans to loans | 0.0271% | 4,586 |
| Net loans and leases to total assets | 83.0527% | 468 |
| Net loans and leases to deposits | 100.8471% | 616 |
| Net loans and leases to core deposits | 103.8956% | 1,393 |
| Total domestic deposits to total assets | 82.3551% | 3,422 |
| Equity capital to assets | 11.1689% | 2,893 |
| Core capital (leverage) ratio | 10.7125% | 2,883 |
| Tier 1 risk-based capital ratio | 13.9010% | 3,370 |
| Total risk-based capital ratio | 15.1517% | 3,272 |
| Memoranda: | ||
| Average total assets | $265,905,000 | 2,379 |
| Average earning assets | $250,487,670 | 2,361 |
| Average equity | $28,845,330 | 2,461 |
| Average total loans | $223,337,330 | 2,028 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9513% | 1,475 |
| Cost of funding earning assets | 0.5299% | 3,920 |
| Net interest margin | 4.4215% | 859 |
| Noninterest income to average assets | 0.4907% | 2,614 |
| Noninterest expense to average assets | 2.6969% | 2,913 |
| Loan and lease loss provision to assets | 0.1132% | 1,570 |
| Net operating income to assets | 1.4237% | 1,313 |
| Return on assets (ROA) | 1.4058% | 1,384 |
| Pretax return on assets | 1.8286% | 922 |
| Return on Equity (ROE) | 13.1560% | 1,167 |
| Retained earnings to average equity (ytd only) | 7.5036% | 1,845 |
| Net charge-offs to loans | 0.0791% | 1,290 |
| Credit loss provision to net charge-offs | 170.4545% | 1,149 |
| Earnings coverage of net charge-offs (x) | 29.5682% | 1,341 |
| Efficiency ratio | 57.8555% | 4,102 |
| Assets per employee ($millions) | 5.2883% | 2,186 |
| Cash dividends to net income (ytd only)* | 42.9646% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2431% | 2,366 |
| Loan loss allowance to noncurrent loans | 5,218.8679% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0200% | 4,761 |
| Noncurrent loans to loans | 0.0238% | 4,676 |
| Net loans and leases to total assets | 83.1030% | 458 |
| Net loans and leases to deposits | 99.9291% | 641 |
| Net loans and leases to core deposits | 104.9014% | 1,254 |
| Total domestic deposits to total assets | 83.1620% | 3,328 |
| Equity capital to assets | 10.8652% | 2,981 |
| Core capital (leverage) ratio | 10.7447% | 2,806 |
| Tier 1 risk-based capital ratio | 13.7571% | 3,467 |
| Total risk-based capital ratio | 15.0081% | 3,374 |
| Memoranda: | ||
| Average total assets | $264,901,000 | 2,402 |
| Average earning assets | $249,871,500 | 2,383 |
| Average equity | $28,306,500 | 2,499 |
| Average total loans | $222,372,500 | 2,050 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8532% | 1,414 |
| Cost of funding earning assets | 0.4042% | 3,960 |
| Net interest margin | 4.4490% | 842 |
| Noninterest income to average assets | 0.5128% | 2,760 |
| Noninterest expense to average assets | 2.5831% | 3,387 |
| Loan and lease loss provision to assets | 0.0880% | 2,384 |
| Net operating income to assets | 1.5923% | 885 |
| Return on assets (ROA) | 1.5923% | 875 |
| Pretax return on assets | 2.0390% | 511 |
| Return on Equity (ROE) | 15.3369% | 759 |
| Retained earnings to average equity (ytd only) | 10.0928% | 603 |
| Net charge-offs to loans | 0.0776% | 2,017 |
| Credit loss provision to net charge-offs | 138.8889% | 1,942 |
| Earnings coverage of net charge-offs (x) | 33.5679% | 1,490 |
| Efficiency ratio | 54.8414% | 4,538 |
| Assets per employee ($millions) | 5.4161% | 2,045 |
| Cash dividends to net income (ytd only)* | 34.1931% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2306% | 2,404 |
| Loan loss allowance to noncurrent loans | 5,064.8148% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 4,776 |
| Noncurrent loans to loans | 0.0243% | 4,670 |
| Net loans and leases to total assets | 82.7121% | 558 |
| Net loans and leases to deposits | 97.9199% | 909 |
| Net loans and leases to core deposits | 101.0831% | 1,634 |
| Total domestic deposits to total assets | 84.4692% | 2,847 |
| Equity capital to assets | 10.5069% | 3,184 |
| Core capital (leverage) ratio | 10.7410% | 2,800 |
| Tier 1 risk-based capital ratio | 13.7712% | 3,405 |
| Total risk-based capital ratio | 15.0221% | 3,333 |
| Memoranda: | ||
| Average total assets | $255,662,600 | 2,434 |
| Average earning assets | $241,199,600 | 2,401 |
| Average equity | $26,543,800 | 2,538 |
| Average total loans | $208,832,400 | 2,107 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8205% | 1,373 |
| Cost of funding earning assets | 0.3966% | 3,885 |
| Net interest margin | 4.4239% | 860 |
| Noninterest income to average assets | 0.5165% | 2,765 |
| Noninterest expense to average assets | 2.4909% | 3,622 |
| Loan and lease loss provision to assets | 0.0790% | 2,371 |
| Net operating income to assets | 1.6538% | 831 |
| Return on assets (ROA) | 1.6538% | 841 |
| Pretax return on assets | 2.1224% | 458 |
| Return on Equity (ROE) | 15.9790% | 699 |
| Retained earnings to average equity (ytd only) | 10.6679% | 729 |
| Net charge-offs to loans | 0.0928% | 1,571 |
| Credit loss provision to net charge-offs | 104.8951% | 2,188 |
| Earnings coverage of net charge-offs (x) | 29.2381% | 1,639 |
| Efficiency ratio | 53.0857% | 4,701 |
| Assets per employee ($millions) | 5.1883% | 2,232 |
| Cash dividends to net income (ytd only)* | 33.2379% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 2,354 |
| Loan loss allowance to noncurrent loans | 2,014.2857% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0523% | 4,706 |
| Noncurrent loans to loans | 0.0622% | 4,610 |
| Net loans and leases to total assets | 83.0529% | 559 |
| Net loans and leases to deposits | 99.7138% | 811 |
| Net loans and leases to core deposits | 102.9178% | 1,536 |
| Total domestic deposits to total assets | 83.2912% | 3,201 |
| Equity capital to assets | 10.6460% | 2,992 |
| Core capital (leverage) ratio | 10.7953% | 2,798 |
| Tier 1 risk-based capital ratio | 14.0707% | 3,336 |
| Total risk-based capital ratio | 15.3220% | 3,245 |
| Memoranda: | ||
| Average total assets | $253,231,250 | 2,469 |
| Average earning assets | $239,027,000 | 2,429 |
| Average equity | $26,208,750 | 2,571 |
| Average total loans | $205,479,750 | 2,147 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7332% | 1,422 |
| Cost of funding earning assets | 0.4035% | 3,694 |
| Net interest margin | 4.3297% | 978 |
| Noninterest income to average assets | 0.5172% | 2,764 |
| Noninterest expense to average assets | 2.4808% | 3,680 |
| Loan and lease loss provision to assets | 0.0593% | 2,722 |
| Net operating income to assets | 1.6054% | 912 |
| Return on assets (ROA) | 1.6054% | 918 |
| Pretax return on assets | 2.0593% | 530 |
| Return on Equity (ROE) | 15.6616% | 736 |
| Retained earnings to average equity (ytd only) | 10.2919% | 845 |
| Net charge-offs to loans | 0.1411% | 1,074 |
| Credit loss provision to net charge-offs | 52.4476% | 2,479 |
| Earnings coverage of net charge-offs (x) | 18.7343% | 1,883 |
| Efficiency ratio | 53.9374% | 4,698 |
| Assets per employee ($millions) | 5.2061% | 2,186 |
| Cash dividends to net income (ytd only)* | 34.2857% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2627% | 2,362 |
| Loan loss allowance to noncurrent loans | 431.1258% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.2320% | 3,844 |
| Noncurrent loans to loans | 0.2929% | 3,652 |
| Net loans and leases to total assets | 78.2258% | 1,275 |
| Net loans and leases to deposits | 92.4652% | 1,525 |
| Net loans and leases to core deposits | 95.6296% | 2,094 |
| Total domestic deposits to total assets | 84.6003% | 2,839 |
| Equity capital to assets | 10.1785% | 3,455 |
| Core capital (leverage) ratio | 10.1022% | 3,476 |
| Tier 1 risk-based capital ratio | 14.0557% | 3,331 |
| Total risk-based capital ratio | 15.3072% | 3,249 |
| Memoranda: | ||
| Average total assets | $252,899,670 | 2,481 |
| Average earning assets | $238,443,330 | 2,447 |
| Average equity | $25,923,330 | 2,596 |
| Average total loans | $202,699,330 | 2,166 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7355% | 1,222 |
| Cost of funding earning assets | 0.3951% | 3,624 |
| Net interest margin | 4.3405% | 876 |
| Noninterest income to average assets | 0.4815% | 2,925 |
| Noninterest expense to average assets | 2.4511% | 3,810 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6565% | 754 |
| Return on assets (ROA) | 1.6565% | 758 |
| Pretax return on assets | 2.1220% | 440 |
| Return on Equity (ROE) | 16.1014% | 603 |
| Retained earnings to average equity (ytd only) | 10.6719% | 971 |
| Net charge-offs to loans | 0.1971% | 747 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 13.3535% | 1,759 |
| Efficiency ratio | 53.5978% | 4,836 |
| Assets per employee ($millions) | 5.0415% | 2,435 |
| Cash dividends to net income (ytd only)* | 33.7209% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2715% | 2,393 |
| Loan loss allowance to noncurrent loans | 168.6107% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.6054% | 2,495 |
| Noncurrent loans to loans | 0.7541% | 2,319 |
| Net loans and leases to total assets | 79.2548% | 1,039 |
| Net loans and leases to deposits | 95.1153% | 1,117 |
| Net loans and leases to core deposits | 98.7304% | 1,788 |
| Total domestic deposits to total assets | 83.3249% | 3,574 |
| Equity capital to assets | 10.2389% | 3,351 |
| Core capital (leverage) ratio | 10.4542% | 3,004 |
| Tier 1 risk-based capital ratio | 13.9280% | 3,413 |
| Total risk-based capital ratio | 15.1794% | 3,334 |
| Memoranda: | ||
| Average total assets | $249,197,500 | 2,523 |
| Average earning assets | $234,904,500 | 2,491 |
| Average equity | $25,637,500 | 2,641 |
| Average total loans | $200,934,500 | 2,187 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7183% | 1,156 |
| Cost of funding earning assets | 0.3831% | 3,403 |
| Net interest margin | 4.3352% | 896 |
| Noninterest income to average assets | 0.5993% | 2,452 |
| Noninterest expense to average assets | 2.5660% | 3,560 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2642% | 1,313 |
| Return on assets (ROA) | 1.2376% | 1,421 |
| Pretax return on assets | 2.0718% | 414 |
| Return on Equity (ROE) | 12.0139% | 1,208 |
| Retained earnings to average equity (ytd only) | 6.9228% | 1,111 |
| Net charge-offs to loans | 0.0398% | 3,003 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 64.4744% | 906 |
| Efficiency ratio | 54.8361% | 4,873 |
| Assets per employee ($millions) | 4.9264% | 2,568 |
| Cash dividends to net income (ytd only)* | 42.3769% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3393% | 2,026 |
| Loan loss allowance to noncurrent loans | 578.3550% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.1876% | 4,192 |
| Noncurrent loans to loans | 0.2316% | 3,975 |
| Net loans and leases to total assets | 79.9134% | 971 |
| Net loans and leases to deposits | 96.0191% | 1,086 |
| Net loans and leases to core deposits | 99.9203% | 1,722 |
| Total domestic deposits to total assets | 83.2266% | 3,488 |
| Equity capital to assets | 10.3383% | 3,339 |
| Core capital (leverage) ratio | 10.1073% | 3,311 |
| Tier 1 risk-based capital ratio | 13.9548% | 3,389 |
| Total risk-based capital ratio | 15.2071% | 3,294 |
| Memoranda: | ||
| Average total assets | $237,960,400 | 2,576 |
| Average earning assets | $223,959,800 | 2,557 |
| Average equity | $24,513,200 | 2,708 |
| Average total loans | $196,082,200 | 2,190 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6932% | 1,151 |
| Cost of funding earning assets | 0.3733% | 3,433 |
| Net interest margin | 4.3199% | 879 |
| Noninterest income to average assets | 0.6150% | 2,389 |
| Noninterest expense to average assets | 2.5041% | 3,717 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3677% | 1,162 |
| Return on assets (ROA) | 1.3612% | 1,198 |
| Pretax return on assets | 2.1689% | 387 |
| Return on Equity (ROE) | 13.2258% | 1,006 |
| Retained earnings to average equity (ytd only) | 8.0849% | 1,181 |
| Net charge-offs to loans | 0.0533% | 2,378 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 49.4218% | 1,125 |
| Efficiency ratio | 53.4701% | 4,971 |
| Assets per employee ($millions) | 4.7883% | 2,713 |
| Cash dividends to net income (ytd only)* | 38.8704% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3543% | 2,100 |
| Loan loss allowance to noncurrent loans | 2,594.1748% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 5,024 |
| Noncurrent loans to loans | 0.0522% | 4,876 |
| Net loans and leases to total assets | 79.6966% | 1,030 |
| Net loans and leases to deposits | 96.9436% | 1,011 |
| Net loans and leases to core deposits | 101.2586% | 1,604 |
| Total domestic deposits to total assets | 82.2092% | 3,709 |
| Equity capital to assets | 10.3286% | 3,561 |
| Core capital (leverage) ratio | 10.4587% | 3,034 |
| Tier 1 risk-based capital ratio | 13.8340% | 3,517 |
| Total risk-based capital ratio | 15.0866% | 3,448 |
| Memoranda: | ||
| Average total assets | $235,871,000 | 2,621 |
| Average earning assets | $222,129,250 | 2,586 |
| Average equity | $24,275,250 | 2,757 |
| Average total loans | $195,224,500 | 2,206 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6900% | 1,077 |
| Cost of funding earning assets | 0.3720% | 3,364 |
| Net interest margin | 4.3180% | 818 |
| Noninterest income to average assets | 0.6547% | 2,185 |
| Noninterest expense to average assets | 2.5192% | 3,691 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3749% | 1,120 |
| Return on assets (ROA) | 1.3497% | 1,205 |
| Pretax return on assets | 2.1597% | 385 |
| Return on Equity (ROE) | 13.1306% | 1,006 |
| Retained earnings to average equity (ytd only) | 7.9218% | 1,197 |
| Net charge-offs to loans | 0.0822% | 1,790 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 32.0375% | 1,421 |
| Efficiency ratio | 53.3915% | 5,062 |
| Assets per employee ($millions) | 4.7227% | 2,762 |
| Cash dividends to net income (ytd only)* | 39.6694% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3620% | 2,105 |
| Loan loss allowance to noncurrent loans | 13,350.0000% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 5,264 |
| Noncurrent loans to loans | 0.0102% | 5,141 |
| Net loans and leases to total assets | 81.8876% | 683 |
| Net loans and leases to deposits | 97.4617% | 944 |
| Net loans and leases to core deposits | 103.3396% | 1,409 |
| Total domestic deposits to total assets | 84.0203% | 3,188 |
| Equity capital to assets | 10.4643% | 3,389 |
| Core capital (leverage) ratio | 10.3626% | 3,055 |
| Tier 1 risk-based capital ratio | 13.5219% | 3,695 |
| Total risk-based capital ratio | 14.7746% | 3,604 |
| Memoranda: | ||
| Average total assets | $233,093,000 | 2,650 |
| Average earning assets | $219,361,000 | 2,618 |
| Average equity | $23,959,330 | 2,786 |
| Average total loans | $194,534,330 | 2,220 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6382% | 1,052 |
| Cost of funding earning assets | 0.3695% | 3,318 |
| Net interest margin | 4.2687% | 852 |
| Noninterest income to average assets | 0.7272% | 1,843 |
| Noninterest expense to average assets | 2.5288% | 3,722 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3770% | 1,040 |
| Return on assets (ROA) | 1.3162% | 1,234 |
| Pretax return on assets | 2.1143% | 400 |
| Return on Equity (ROE) | 12.9240% | 1,013 |
| Retained earnings to average equity (ytd only) | 7.6323% | 1,596 |
| Net charge-offs to loans | 0.0021% | 2,895 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1,279.0000% | 30 |
| Efficiency ratio | 53.3722% | 5,179 |
| Assets per employee ($millions) | 4.3301% | 3,456 |
| Cash dividends to net income (ytd only)* | 40.9449% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4020% | 2,067 |
| Loan loss allowance to noncurrent loans | 406.6568% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.2891% | 4,050 |
| Noncurrent loans to loans | 0.3448% | 3,864 |
| Net loans and leases to total assets | 82.6781% | 494 |
| Net loans and leases to deposits | 98.6322% | 714 |
| Net loans and leases to core deposits | 104.5639% | 1,193 |
| Total domestic deposits to total assets | 83.8247% | 3,540 |
| Equity capital to assets | 10.2033% | 3,505 |
| Core capital (leverage) ratio | 10.1747% | 3,273 |
| Tier 1 risk-based capital ratio | 13.2822% | 3,898 |
| Total risk-based capital ratio | 14.5355% | 3,818 |
| Memoranda: | ||
| Average total assets | $231,571,000 | 2,696 |
| Average earning assets | $217,583,500 | 2,664 |
| Average equity | $23,584,000 | 2,837 |
| Average total loans | $193,783,000 | 2,234 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5621% | 1,377 |
| Cost of funding earning assets | 0.3961% | 3,037 |
| Net interest margin | 4.1659% | 1,196 |
| Noninterest income to average assets | 0.5883% | 2,721 |
| Noninterest expense to average assets | 2.5287% | 3,924 |
| Loan and lease loss provision to assets | 0.0445% | 3,497 |
| Net operating income to assets | 1.2341% | 1,399 |
| Return on assets (ROA) | 1.2341% | 1,485 |
| Pretax return on assets | 1.9230% | 592 |
| Return on Equity (ROE) | 12.2059% | 1,189 |
| Retained earnings to average equity (ytd only) | 7.4520% | 1,057 |
| Net charge-offs to loans | -0.0313% | 5,264 |
| Credit loss provision to net charge-offs | -172.4138% | 4,978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2407% | 5,042 |
| Assets per employee ($millions) | 4.4099% | 3,256 |
| Cash dividends to net income (ytd only)* | 38.9470% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4361% | 1,934 |
| Loan loss allowance to noncurrent loans | 406.8047% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.2948% | 4,095 |
| Noncurrent loans to loans | 0.3530% | 3,870 |
| Net loans and leases to total assets | 82.3074% | 566 |
| Net loans and leases to deposits | 97.4706% | 868 |
| Net loans and leases to core deposits | 101.9241% | 1,451 |
| Total domestic deposits to total assets | 84.4433% | 3,255 |
| Equity capital to assets | 10.1637% | 3,533 |
| Core capital (leverage) ratio | 10.2726% | 3,140 |
| Tier 1 risk-based capital ratio | 14.2002% | 3,348 |
| Total risk-based capital ratio | 15.4551% | 3,274 |
| Memoranda: | ||
| Average total assets | $224,696,400 | 2,716 |
| Average earning assets | $210,781,800 | 2,692 |
| Average equity | $22,718,600 | 2,920 |
| Average total loans | $185,417,200 | 2,256 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5266% | 1,458 |
| Cost of funding earning assets | 0.4024% | 2,996 |
| Net interest margin | 4.1242% | 1,329 |
| Noninterest income to average assets | 0.5935% | 2,694 |
| Noninterest expense to average assets | 2.5468% | 3,840 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2406% | 1,488 |
| Return on assets (ROA) | 1.2406% | 1,589 |
| Pretax return on assets | 1.9158% | 683 |
| Return on Equity (ROE) | 12.2866% | 1,237 |
| Retained earnings to average equity (ytd only) | 7.5019% | 1,401 |
| Net charge-offs to loans | -0.0051% | 4,620 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0703% | 4,947 |
| Assets per employee ($millions) | 4.5113% | 3,069 |
| Cash dividends to net income (ytd only)* | 38.9423% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3627% | 2,376 |
| Loan loss allowance to noncurrent loans | 310.1432% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.3642% | 3,961 |
| Noncurrent loans to loans | 0.4394% | 3,706 |
| Net loans and leases to total assets | 81.7684% | 655 |
| Net loans and leases to deposits | 96.0288% | 1,043 |
| Net loans and leases to core deposits | 103.0437% | 1,412 |
| Total domestic deposits to total assets | 85.1498% | 2,735 |
| Equity capital to assets | 10.1218% | 4,010 |
| Core capital (leverage) ratio | 10.1498% | 3,380 |
| Tier 1 risk-based capital ratio | 14.2251% | 3,446 |
| Total risk-based capital ratio | 15.4793% | 3,366 |
| Memoranda: | ||
| Average total assets | $223,541,500 | 2,731 |
| Average earning assets | $209,718,250 | 2,706 |
| Average equity | $22,571,500 | 2,960 |
| Average total loans | $183,898,000 | 2,275 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4898% | 1,546 |
| Cost of funding earning assets | 0.4166% | 2,872 |
| Net interest margin | 4.0732% | 1,439 |
| Noninterest income to average assets | 0.5231% | 3,047 |
| Noninterest expense to average assets | 2.5009% | 4,023 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2071% | 1,574 |
| Return on assets (ROA) | 1.2071% | 1,673 |
| Pretax return on assets | 1.8476% | 793 |
| Return on Equity (ROE) | 11.9645% | 1,339 |
| Retained earnings to average equity (ytd only) | 7.1286% | 1,541 |
| Net charge-offs to loans | -0.0044% | 4,493 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5109% | 4,970 |
| Assets per employee ($millions) | 4.5290% | 2,973 |
| Cash dividends to net income (ytd only)* | 40.4192% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3952% | 2,317 |
| Loan loss allowance to noncurrent loans | 382.8909% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.2994% | 4,303 |
| Noncurrent loans to loans | 0.3644% | 4,056 |
| Net loans and leases to total assets | 81.0220% | 746 |
| Net loans and leases to deposits | 95.8665% | 1,094 |
| Net loans and leases to core deposits | 100.3879% | 1,603 |
| Total domestic deposits to total assets | 84.5155% | 3,085 |
| Equity capital to assets | 10.0900% | 4,109 |
| Core capital (leverage) ratio | 10.0415% | 3,519 |
| Tier 1 risk-based capital ratio | 13.6971% | 3,772 |
| Total risk-based capital ratio | 14.9510% | 3,697 |
| Memoranda: | ||
| Average total assets | $221,362,670 | 2,765 |
| Average earning assets | $207,893,670 | 2,734 |
| Average equity | $22,332,670 | 2,988 |
| Average total loans | $181,620,670 | 2,297 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4581% | 1,636 |
| Cost of funding earning assets | 0.4109% | 2,949 |
| Net interest margin | 4.0472% | 1,487 |
| Noninterest income to average assets | 0.4899% | 3,197 |
| Noninterest expense to average assets | 2.4459% | 4,238 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2028% | 1,550 |
| Return on assets (ROA) | 1.2028% | 1,654 |
| Pretax return on assets | 1.8426% | 780 |
| Return on Equity (ROE) | 11.9233% | 1,335 |
| Retained earnings to average equity (ytd only) | 7.0307% | 1,873 |
| Net charge-offs to loans | -0.0045% | 4,261 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0332% | 5,088 |
| Assets per employee ($millions) | 4.6792% | 2,779 |
| Cash dividends to net income (ytd only)* | 41.0334% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4437% | 2,228 |
| Loan loss allowance to noncurrent loans | 381.4706% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.3092% | 4,334 |
| Noncurrent loans to loans | 0.3785% | 4,081 |
| Net loans and leases to total assets | 80.5177% | 746 |
| Net loans and leases to deposits | 97.3309% | 812 |
| Net loans and leases to core deposits | 104.2310% | 1,178 |
| Total domestic deposits to total assets | 82.7258% | 3,997 |
| Equity capital to assets | 10.1440% | 3,905 |
| Core capital (leverage) ratio | 10.1861% | 3,333 |
| Tier 1 risk-based capital ratio | 14.1036% | 3,614 |
| Total risk-based capital ratio | 15.3583% | 3,544 |
| Memoranda: | ||
| Average total assets | $218,818,000 | 2,795 |
| Average earning assets | $205,378,000 | 2,765 |
| Average equity | $22,074,500 | 3,016 |
| Average total loans | $179,395,000 | 2,316 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5197% | 1,533 |
| Cost of funding earning assets | 0.5336% | 1,892 |
| Net interest margin | 3.9861% | 1,764 |
| Noninterest income to average assets | 0.5720% | 2,889 |
| Noninterest expense to average assets | 2.5985% | 3,928 |
| Loan and lease loss provision to assets | 0.0599% | 3,107 |
| Net operating income to assets | 1.0730% | 2,032 |
| Return on assets (ROA) | 1.0758% | 2,095 |
| Pretax return on assets | 1.6459% | 1,124 |
| Return on Equity (ROE) | 10.6275% | 1,743 |
| Retained earnings to average equity (ytd only) | 5.9863% | 1,797 |
| Net charge-offs to loans | -0.0719% | 5,680 |
| Credit loss provision to net charge-offs | -102.4590% | 5,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4304% | 4,855 |
| Assets per employee ($millions) | 4.8381% | 2,550 |
| Cash dividends to net income (ytd only)* | 43.6720% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4471% | 2,224 |
| Loan loss allowance to noncurrent loans | 28,800.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 5,704 |
| Noncurrent loans to loans | 0.0050% | 5,535 |
| Net loans and leases to total assets | 81.0824% | 697 |
| Net loans and leases to deposits | 95.1782% | 1,097 |
| Net loans and leases to core deposits | 99.2712% | 1,573 |
| Total domestic deposits to total assets | 85.1901% | 3,006 |
| Equity capital to assets | 10.0316% | 3,921 |
| Core capital (leverage) ratio | 10.2057% | 3,258 |
| Tier 1 risk-based capital ratio | 13.9747% | 3,725 |
| Total risk-based capital ratio | 15.2298% | 3,655 |
| Memoranda: | ||
| Average total assets | $208,583,600 | 2,868 |
| Average earning assets | $195,078,400 | 2,825 |
| Average equity | $21,115,000 | 3,057 |
| Average total loans | $169,706,600 | 2,358 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5274% | 1,517 |
| Cost of funding earning assets | 0.5473% | 1,824 |
| Net interest margin | 3.9802% | 1,767 |
| Noninterest income to average assets | 0.5797% | 2,854 |
| Noninterest expense to average assets | 2.6149% | 3,816 |
| Loan and lease loss provision to assets | 0.0808% | 2,557 |
| Net operating income to assets | 1.0471% | 2,229 |
| Return on assets (ROA) | 1.0509% | 2,310 |
| Pretax return on assets | 1.6080% | 1,359 |
| Return on Equity (ROE) | 10.3562% | 1,945 |
| Retained earnings to average equity (ytd only) | 5.7704% | 2,387 |
| Net charge-offs to loans | -0.0916% | 5,751 |
| Credit loss provision to net charge-offs | -108.6957% | 5,067 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8421% | 4,765 |
| Assets per employee ($millions) | 4.3374% | 3,265 |
| Cash dividends to net income (ytd only)* | 44.2805% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5293% | 2,037 |
| Loan loss allowance to noncurrent loans | 7,602.9412% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 5,735 |
| Noncurrent loans to loans | 0.0201% | 5,555 |
| Net loans and leases to total assets | 79.9465% | 829 |
| Net loans and leases to deposits | 95.9563% | 1,008 |
| Net loans and leases to core deposits | 102.5445% | 1,336 |
| Total domestic deposits to total assets | 83.3155% | 3,691 |
| Equity capital to assets | 10.2813% | 3,838 |
| Core capital (leverage) ratio | 10.2746% | 3,278 |
| Tier 1 risk-based capital ratio | 14.6989% | 3,439 |
| Total risk-based capital ratio | 15.9550% | 3,381 |
| Memoranda: | ||
| Average total assets | $206,301,250 | 2,905 |
| Average earning assets | $192,716,000 | 2,887 |
| Average equity | $20,933,750 | 3,098 |
| Average total loans | $167,353,500 | 2,395 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5033% | 1,528 |
| Cost of funding earning assets | 0.5611% | 1,720 |
| Net interest margin | 3.9422% | 1,847 |
| Noninterest income to average assets | 0.5854% | 2,819 |
| Noninterest expense to average assets | 2.5779% | 3,983 |
| Loan and lease loss provision to assets | 0.1216% | 1,821 |
| Net operating income to assets | 1.0237% | 2,267 |
| Return on assets (ROA) | 1.0269% | 2,367 |
| Pretax return on assets | 1.5734% | 1,416 |
| Return on Equity (ROE) | 10.1652% | 1,995 |
| Retained earnings to average equity (ytd only) | 5.7372% | 2,392 |
| Net charge-offs to loans | -0.0324% | 5,361 |
| Credit loss provision to net charge-offs | -462.9630% | 5,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4010% | 4,930 |
| Assets per employee ($millions) | 4.2903% | 3,323 |
| Cash dividends to net income (ytd only)* | 43.5606% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4551% | 2,480 |
| Loan loss allowance to noncurrent loans | 1,541.3580% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.0771% | 5,558 |
| Noncurrent loans to loans | 0.0944% | 5,364 |
| Net loans and leases to total assets | 80.4395% | 744 |
| Net loans and leases to deposits | 96.3940% | 923 |
| Net loans and leases to core deposits | 100.6266% | 1,434 |
| Total domestic deposits to total assets | 83.4487% | 3,778 |
| Equity capital to assets | 10.0040% | 4,036 |
| Core capital (leverage) ratio | 10.1483% | 3,398 |
| Tier 1 risk-based capital ratio | 14.1776% | 3,828 |
| Total risk-based capital ratio | 15.4329% | 3,753 |
| Memoranda: | ||
| Average total assets | $205,670,670 | 2,938 |
| Average earning assets | $192,124,330 | 2,915 |
| Average equity | $20,776,670 | 3,135 |
| Average total loans | $166,795,330 | 2,403 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4743% | 1,538 |
| Cost of funding earning assets | 0.5883% | 1,515 |
| Net interest margin | 3.8860% | 1,943 |
| Noninterest income to average assets | 0.5939% | 2,680 |
| Noninterest expense to average assets | 2.5173% | 4,212 |
| Loan and lease loss provision to assets | 0.1239% | 1,678 |
| Net operating income to assets | 1.0326% | 2,108 |
| Return on assets (ROA) | 1.0364% | 2,243 |
| Pretax return on assets | 1.5831% | 1,308 |
| Return on Equity (ROE) | 10.2085% | 1,908 |
| Retained earnings to average equity (ytd only) | 6.3343% | 2,318 |
| Net charge-offs to loans | 0.2117% | 1,099 |
| Credit loss provision to net charge-offs | 72.4138% | 1,896 |
| Earnings coverage of net charge-offs (x) | 9.9425% | 1,972 |
| Efficiency ratio | 59.6737% | 5,136 |
| Assets per employee ($millions) | 4.4443% | 3,146 |
| Cash dividends to net income (ytd only)* | 37.9507% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4124% | 2,861 |
| Loan loss allowance to noncurrent loans | 2,090.9910% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0543% | 5,715 |
| Noncurrent loans to loans | 0.0675% | 5,504 |
| Net loans and leases to total assets | 79.2428% | 774 |
| Net loans and leases to deposits | 95.9825% | 830 |
| Net loans and leases to core deposits | 103.0481% | 1,116 |
| Total domestic deposits to total assets | 82.5597% | 4,320 |
| Equity capital to assets | 10.1991% | 3,883 |
| Core capital (leverage) ratio | 10.2478% | 3,284 |
| Tier 1 risk-based capital ratio | 14.8580% | 3,506 |
| Total risk-based capital ratio | 16.1124% | 3,443 |
| Memoranda: | ||
| Average total assets | $203,393,500 | 2,974 |
| Average earning assets | $189,707,000 | 2,949 |
| Average equity | $20,649,500 | 3,169 |
| Average total loans | $164,392,500 | 2,441 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5325% | 1,753 |
| Cost of funding earning assets | 0.6269% | 1,561 |
| Net interest margin | 3.9057% | 2,216 |
| Noninterest income to average assets | 0.6708% | 2,447 |
| Noninterest expense to average assets | 2.6402% | 4,089 |
| Loan and lease loss provision to assets | -0.0489% | 6,031 |
| Net operating income to assets | 1.1034% | 1,960 |
| Return on assets (ROA) | 1.0077% | 2,430 |
| Pretax return on assets | 1.5670% | 1,331 |
| Return on Equity (ROE) | 10.5417% | 1,884 |
| Retained earnings to average equity (ytd only) | 6.4498% | 1,677 |
| Net charge-offs to loans | -0.0370% | 5,841 |
| Credit loss provision to net charge-offs | 166.6667% | 1,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2870% | 5,023 |
| Assets per employee ($millions) | 4.0469% | 3,840 |
| Cash dividends to net income (ytd only)* | 38.8161% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4259% | 2,817 |
| Loan loss allowance to noncurrent loans | 1,675.0000% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0692% | 5,750 |
| Noncurrent loans to loans | 0.0851% | 5,544 |
| Net loans and leases to total assets | 80.1173% | 727 |
| Net loans and leases to deposits | 96.3433% | 881 |
| Net loans and leases to core deposits | 100.9383% | 1,325 |
| Total domestic deposits to total assets | 83.1581% | 4,020 |
| Equity capital to assets | 10.1054% | 3,978 |
| Core capital (leverage) ratio | 10.1100% | 3,424 |
| Tier 1 risk-based capital ratio | 14.7493% | 3,630 |
| Total risk-based capital ratio | 16.0043% | 3,559 |
| Memoranda: | ||
| Average total assets | $204,527,800 | 2,940 |
| Average earning assets | $190,467,600 | 2,901 |
| Average equity | $19,551,000 | 3,208 |
| Average total loans | $162,070,200 | 2,405 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5012% | 1,864 |
| Cost of funding earning assets | 0.6338% | 1,570 |
| Net interest margin | 3.8674% | 2,360 |
| Noninterest income to average assets | 0.6833% | 2,413 |
| Noninterest expense to average assets | 2.5896% | 4,229 |
| Loan and lease loss provision to assets | -0.0975% | 6,268 |
| Net operating income to assets | 1.1514% | 1,861 |
| Return on assets (ROA) | 1.0149% | 2,445 |
| Pretax return on assets | 1.5805% | 1,388 |
| Return on Equity (ROE) | 10.7689% | 1,883 |
| Retained earnings to average equity (ytd only) | 6.6297% | 2,025 |
| Net charge-offs to loans | -0.0892% | 6,104 |
| Credit loss provision to net charge-offs | 138.8889% | 1,690 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4217% | 5,124 |
| Assets per employee ($millions) | 3.9936% | 3,899 |
| Cash dividends to net income (ytd only)* | 38.4369% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4068% | 3,138 |
| Loan loss allowance to noncurrent loans | 1,171.5000% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.0982% | 5,769 |
| Noncurrent loans to loans | 0.1201% | 5,570 |
| Net loans and leases to total assets | 80.6217% | 647 |
| Net loans and leases to deposits | 96.3385% | 854 |
| Net loans and leases to core deposits | 101.9514% | 1,216 |
| Total domestic deposits to total assets | 83.6859% | 3,885 |
| Equity capital to assets | 9.8470% | 4,362 |
| Core capital (leverage) ratio | 10.1619% | 3,458 |
| Tier 1 risk-based capital ratio | 14.3818% | 3,961 |
| Total risk-based capital ratio | 15.6371% | 3,894 |
| Memoranda: | ||
| Average total assets | $205,073,000 | 2,958 |
| Average earning assets | $191,027,250 | 2,925 |
| Average equity | $19,326,750 | 3,248 |
| Average total loans | $161,472,750 | 2,431 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4819% | 1,893 |
| Cost of funding earning assets | 0.6418% | 1,579 |
| Net interest margin | 3.8401% | 2,412 |
| Noninterest income to average assets | 0.6831% | 2,362 |
| Noninterest expense to average assets | 2.5173% | 4,528 |
| Loan and lease loss provision to assets | -0.1460% | 6,424 |
| Net operating income to assets | 1.2194% | 1,533 |
| Return on assets (ROA) | 1.0120% | 2,349 |
| Pretax return on assets | 1.5676% | 1,335 |
| Return on Equity (ROE) | 10.8994% | 1,772 |
| Retained earnings to average equity (ytd only) | 6.7073% | 1,921 |
| Net charge-offs to loans | -0.1139% | 6,184 |
| Credit loss provision to net charge-offs | 164.8352% | 1,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1179% | 5,412 |
| Assets per employee ($millions) | 3.9223% | 4,011 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4534% | 3,096 |
| Loan loss allowance to noncurrent loans | 405.9337% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.2809% | 5,241 |
| Noncurrent loans to loans | 0.3580% | 4,922 |
| Net loans and leases to total assets | 77.3278% | 1,002 |
| Net loans and leases to deposits | 95.5334% | 834 |
| Net loans and leases to core deposits | 102.7419% | 1,096 |
| Total domestic deposits to total assets | 80.9432% | 4,999 |
| Equity capital to assets | 9.6642% | 4,537 |
| Core capital (leverage) ratio | 9.7675% | 3,936 |
| Tier 1 risk-based capital ratio | 14.7177% | 3,800 |
| Total risk-based capital ratio | 15.9735% | 3,747 |
| Memoranda: | ||
| Average total assets | $205,538,670 | 2,969 |
| Average earning assets | $191,347,670 | 2,930 |
| Average equity | $19,083,670 | 3,273 |
| Average total loans | $159,780,330 | 2,451 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4904% | 1,841 |
| Cost of funding earning assets | 0.6430% | 1,632 |
| Net interest margin | 3.8474% | 2,281 |
| Noninterest income to average assets | 0.6301% | 2,568 |
| Noninterest expense to average assets | 2.5358% | 4,499 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0874% | 1,861 |
| Return on assets (ROA) | 0.9790% | 2,346 |
| Pretax return on assets | 1.5122% | 1,400 |
| Return on Equity (ROE) | 10.7619% | 1,776 |
| Retained earnings to average equity (ytd only) | 6.4997% | 2,279 |
| Net charge-offs to loans | 0.0125% | 3,356 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 173.2000% | 288 |
| Efficiency ratio | 60.1656% | 5,383 |
| Assets per employee ($millions) | 3.9845% | 3,977 |
| Cash dividends to net income (ytd only)* | 39.6040% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5111% | 3,098 |
| Loan loss allowance to noncurrent loans | 636.3636% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.1840% | 5,673 |
| Noncurrent loans to loans | 0.2375% | 5,392 |
| Net loans and leases to total assets | 76.3371% | 960 |
| Net loans and leases to deposits | 94.1772% | 775 |
| Net loans and leases to core deposits | 103.6212% | 882 |
| Total domestic deposits to total assets | 81.0568% | 5,217 |
| Equity capital to assets | 9.3983% | 4,630 |
| Core capital (leverage) ratio | 9.5910% | 4,145 |
| Tier 1 risk-based capital ratio | 14.6586% | 3,916 |
| Total risk-based capital ratio | 15.9151% | 3,862 |
| Memoranda: | ||
| Average total assets | $206,328,500 | 2,978 |
| Average earning assets | $192,232,000 | 2,945 |
| Average equity | $18,770,000 | 3,316 |
| Average total loans | $159,649,000 | 2,465 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5611% | 1,997 |
| Cost of funding earning assets | 0.7827% | 1,304 |
| Net interest margin | 3.7784% | 2,730 |
| Noninterest income to average assets | 0.6503% | 2,804 |
| Noninterest expense to average assets | 2.6120% | 4,416 |
| Loan and lease loss provision to assets | 0.1182% | 2,839 |
| Net operating income to assets | 1.0199% | 2,248 |
| Return on assets (ROA) | 1.0122% | 2,337 |
| Pretax return on assets | 1.4536% | 1,604 |
| Return on Equity (ROE) | 11.4910% | 1,600 |
| Retained earnings to average equity (ytd only) | 8.6265% | 868 |
| Net charge-offs to loans | 0.0120% | 5,212 |
| Credit loss provision to net charge-offs | 1,361.1111% | 186 |
| Earnings coverage of net charge-offs (x) | 182.2778% | 251 |
| Efficiency ratio | 62.2657% | 5,165 |
| Assets per employee ($millions) | 4.1890% | 3,462 |
| Cash dividends to net income (ytd only)* | 24.9285% | 3,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4741% | 3,316 |
| Loan loss allowance to noncurrent loans | 3,407.1429% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0334% | 6,283 |
| Noncurrent loans to loans | 0.0433% | 6,110 |
| Net loans and leases to total assets | 76.1092% | 1,057 |
| Net loans and leases to deposits | 92.9992% | 960 |
| Net loans and leases to core deposits | 96.6520% | 1,408 |
| Total domestic deposits to total assets | 81.8385% | 4,931 |
| Equity capital to assets | 8.8050% | 5,249 |
| Core capital (leverage) ratio | 9.2582% | 4,618 |
| Tier 1 risk-based capital ratio | 13.7745% | 4,459 |
| Total risk-based capital ratio | 15.0299% | 4,398 |
| Memoranda: | ||
| Average total assets | $207,278,000 | 2,945 |
| Average earning assets | $194,447,600 | 2,900 |
| Average equity | $18,257,800 | 3,376 |
| Average total loans | $149,636,000 | 2,562 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5626% | 2,003 |
| Cost of funding earning assets | 0.8132% | 1,257 |
| Net interest margin | 3.7494% | 2,850 |
| Noninterest income to average assets | 0.6591% | 2,831 |
| Noninterest expense to average assets | 2.5075% | 4,697 |
| Loan and lease loss provision to assets | 0.1580% | 2,288 |
| Net operating income to assets | 1.0612% | 2,143 |
| Return on assets (ROA) | 1.0467% | 2,278 |
| Pretax return on assets | 1.4969% | 1,620 |
| Return on Equity (ROE) | 11.8822% | 1,508 |
| Retained earnings to average equity (ytd only) | 9.0928% | 1,031 |
| Net charge-offs to loans | 0.0264% | 4,597 |
| Credit loss provision to net charge-offs | 844.8276% | 355 |
| Earnings coverage of net charge-offs (x) | 89.5762% | 538 |
| Efficiency ratio | 59.9445% | 5,442 |
| Assets per employee ($millions) | 4.2168% | 3,392 |
| Cash dividends to net income (ytd only)* | 23.4751% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4937% | 3,485 |
| Loan loss allowance to noncurrent loans | 2,397.9798% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0470% | 6,326 |
| Noncurrent loans to loans | 0.0623% | 6,153 |
| Net loans and leases to total assets | 74.2564% | 1,253 |
| Net loans and leases to deposits | 90.8776% | 1,077 |
| Net loans and leases to core deposits | 97.9731% | 1,248 |
| Total domestic deposits to total assets | 81.7104% | 5,028 |
| Equity capital to assets | 8.5676% | 5,663 |
| Core capital (leverage) ratio | 8.9379% | 5,218 |
| Tier 1 risk-based capital ratio | 13.5278% | 4,738 |
| Total risk-based capital ratio | 14.7831% | 4,693 |
| Memoranda: | ||
| Average total assets | $206,735,250 | 2,969 |
| Average earning assets | $194,300,000 | 2,925 |
| Average equity | $18,211,750 | 3,421 |
| Average total loans | $146,596,250 | 2,625 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4980% | 2,209 |
| Cost of funding earning assets | 0.8351% | 1,233 |
| Net interest margin | 3.6629% | 3,120 |
| Noninterest income to average assets | 0.6437% | 2,947 |
| Noninterest expense to average assets | 2.5311% | 4,621 |
| Loan and lease loss provision to assets | 0.1802% | 2,108 |
| Net operating income to assets | 0.9817% | 2,408 |
| Return on assets (ROA) | 0.9865% | 2,527 |
| Pretax return on assets | 1.3907% | 1,967 |
| Return on Equity (ROE) | 11.0947% | 1,784 |
| Retained earnings to average equity (ytd only) | 8.4771% | 1,301 |
| Net charge-offs to loans | -0.0421% | 6,208 |
| Credit loss provision to net charge-offs | -616.6667% | 5,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8074% | 5,200 |
| Assets per employee ($millions) | 4.0439% | 3,699 |
| Cash dividends to net income (ytd only)* | 23.5933% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5871% | 3,200 |
| Loan loss allowance to noncurrent loans | 134.6001% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.8384% | 4,142 |
| Noncurrent loans to loans | 1.1792% | 3,588 |
| Net loans and leases to total assets | 69.9725% | 1,888 |
| Net loans and leases to deposits | 85.5024% | 1,626 |
| Net loans and leases to core deposits | 88.7589% | 2,026 |
| Total domestic deposits to total assets | 81.8369% | 5,100 |
| Equity capital to assets | 8.5451% | 5,724 |
| Core capital (leverage) ratio | 8.8495% | 5,225 |
| Tier 1 risk-based capital ratio | 13.8888% | 4,503 |
| Total risk-based capital ratio | 15.1456% | 4,465 |
| Memoranda: | ||
| Average total assets | $205,366,670 | 3,001 |
| Average earning assets | $193,507,000 | 2,951 |
| Average equity | $18,261,000 | 3,429 |
| Average total loans | $142,482,670 | 2,681 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5358% | 2,038 |
| Cost of funding earning assets | 0.8465% | 1,269 |
| Net interest margin | 3.6892% | 2,901 |
| Noninterest income to average assets | 0.6348% | 2,957 |
| Noninterest expense to average assets | 2.6160% | 4,352 |
| Loan and lease loss provision to assets | 0.2464% | 1,462 |
| Net operating income to assets | 0.9163% | 2,577 |
| Return on assets (ROA) | 0.9206% | 2,708 |
| Pretax return on assets | 1.2577% | 2,385 |
| Return on Equity (ROE) | 10.1483% | 2,007 |
| Retained earnings to average equity (ytd only) | 8.0622% | 1,734 |
| Net charge-offs to loans | -0.0374% | 5,992 |
| Credit loss provision to net charge-offs | -961.5385% | 5,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5841% | 5,070 |
| Assets per employee ($millions) | 4.0425% | 3,858 |
| Cash dividends to net income (ytd only)* | 20.5567% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6028% | 3,387 |
| Loan loss allowance to noncurrent loans | 173.4139% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.6299% | 4,807 |
| Noncurrent loans to loans | 0.9243% | 4,287 |
| Net loans and leases to total assets | 67.0522% | 2,182 |
| Net loans and leases to deposits | 81.7883% | 1,857 |
| Net loans and leases to core deposits | 88.9369% | 1,814 |
| Total domestic deposits to total assets | 81.9826% | 5,195 |
| Equity capital to assets | 8.7884% | 5,720 |
| Core capital (leverage) ratio | 8.8516% | 5,115 |
| Tier 1 risk-based capital ratio | 13.9895% | 4,508 |
| Total risk-based capital ratio | 15.2458% | 4,469 |
| Memoranda: | ||
| Average total assets | $202,908,000 | 3,068 |
| Average earning assets | $191,368,500 | 2,998 |
| Average equity | $18,407,000 | 3,468 |
| Average total loans | $138,967,000 | 2,746 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8899% | 1,874 |
| Cost of funding earning assets | 0.9842% | 1,437 |
| Net interest margin | 3.9057% | 2,802 |
| Noninterest income to average assets | 0.7366% | 2,558 |
| Noninterest expense to average assets | 2.7534% | 4,203 |
| Loan and lease loss provision to assets | 0.2919% | 2,338 |
| Net operating income to assets | 0.9349% | 2,625 |
| Return on assets (ROA) | 0.9738% | 2,675 |
| Pretax return on assets | 1.4111% | 2,009 |
| Return on Equity (ROE) | 10.5428% | 1,956 |
| Retained earnings to average equity (ytd only) | 8.3756% | 1,006 |
| Net charge-offs to loans | 0.5749% | 2,003 |
| Credit loss provision to net charge-offs | 74.3692% | 4,029 |
| Earnings coverage of net charge-offs (x) | 4.1952% | 3,447 |
| Efficiency ratio | 62.5755% | 5,154 |
| Assets per employee ($millions) | 3.6907% | 4,584 |
| Cash dividends to net income (ytd only)* | 20.5567% | 3,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6022% | 3,302 |
| Loan loss allowance to noncurrent loans | 162.6225% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.6784% | 4,789 |
| Noncurrent loans to loans | 0.9852% | 4,222 |
| Net loans and leases to total assets | 67.7534% | 2,227 |
| Net loans and leases to deposits | 80.7998% | 2,179 |
| Net loans and leases to core deposits | 85.5364% | 2,370 |
| Total domestic deposits to total assets | 83.8534% | 4,384 |
| Equity capital to assets | 9.3759% | 5,032 |
| Core capital (leverage) ratio | 9.0946% | 4,747 |
| Tier 1 risk-based capital ratio | 14.7635% | 3,858 |
| Total risk-based capital ratio | 16.0199% | 3,805 |
| Memoranda: | ||
| Average total assets | $191,832,400 | 3,154 |
| Average earning assets | $179,943,000 | 3,093 |
| Average equity | $17,718,200 | 3,506 |
| Average total loans | $130,971,800 | 2,871 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9304% | 1,898 |
| Cost of funding earning assets | 1.0044% | 1,530 |
| Net interest margin | 3.9260% | 2,817 |
| Noninterest income to average assets | 0.7523% | 2,468 |
| Noninterest expense to average assets | 2.7010% | 4,362 |
| Loan and lease loss provision to assets | 0.2619% | 2,478 |
| Net operating income to assets | 0.9896% | 2,559 |
| Return on assets (ROA) | 1.0205% | 2,638 |
| Pretax return on assets | 1.5157% | 1,823 |
| Return on Equity (ROE) | 11.0914% | 1,925 |
| Retained earnings to average equity (ytd only) | 8.9050% | 1,265 |
| Net charge-offs to loans | 0.3794% | 2,579 |
| Credit loss provision to net charge-offs | 101.3514% | 2,907 |
| Earnings coverage of net charge-offs (x) | 6.7000% | 2,737 |
| Efficiency ratio | 60.9360% | 5,326 |
| Assets per employee ($millions) | 3.5977% | 4,760 |
| Cash dividends to net income (ytd only)* | 19.7125% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7708% | 2,896 |
| Loan loss allowance to noncurrent loans | 182.6729% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.6625% | 5,022 |
| Noncurrent loans to loans | 0.9694% | 4,500 |
| Net loans and leases to total assets | 67.1280% | 2,437 |
| Net loans and leases to deposits | 80.4004% | 2,333 |
| Net loans and leases to core deposits | 89.2453% | 2,077 |
| Total domestic deposits to total assets | 83.4922% | 4,442 |
| Equity capital to assets | 9.3680% | 5,386 |
| Core capital (leverage) ratio | 9.0090% | 5,054 |
| Tier 1 risk-based capital ratio | 14.3394% | 4,309 |
| Total risk-based capital ratio | 15.5979% | 4,270 |
| Memoranda: | ||
| Average total assets | $190,888,500 | 3,195 |
| Average earning assets | $178,940,750 | 3,144 |
| Average equity | $17,562,750 | 3,561 |
| Average total loans | $130,042,500 | 2,914 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9861% | 1,823 |
| Cost of funding earning assets | 1.0316% | 1,567 |
| Net interest margin | 3.9545% | 2,702 |
| Noninterest income to average assets | 0.7473% | 2,428 |
| Noninterest expense to average assets | 2.7003% | 4,425 |
| Loan and lease loss provision to assets | 0.2635% | 2,471 |
| Net operating income to assets | 1.0144% | 2,402 |
| Return on assets (ROA) | 1.0266% | 2,574 |
| Pretax return on assets | 1.5061% | 1,831 |
| Return on Equity (ROE) | 11.2275% | 1,910 |
| Retained earnings to average equity (ytd only) | 9.0142% | 1,269 |
| Net charge-offs to loans | 0.5699% | 1,887 |
| Credit loss provision to net charge-offs | 67.9348% | 3,616 |
| Earnings coverage of net charge-offs (x) | 4.5163% | 3,055 |
| Efficiency ratio | 60.6534% | 5,474 |
| Assets per employee ($millions) | 3.6413% | 4,657 |
| Cash dividends to net income (ytd only)* | 19.7125% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7049% | 3,205 |
| Loan loss allowance to noncurrent loans | 173.2504% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.7788% | 4,846 |
| Noncurrent loans to loans | 0.9841% | 4,539 |
| Net loans and leases to total assets | 66.5613% | 2,555 |
| Net loans and leases to deposits | 79.6641% | 2,430 |
| Net loans and leases to core deposits | 85.0313% | 2,557 |
| Total domestic deposits to total assets | 83.5524% | 4,508 |
| Equity capital to assets | 9.2124% | 5,449 |
| Core capital (leverage) ratio | 8.8332% | 5,163 |
| Tier 1 risk-based capital ratio | 14.0464% | 4,419 |
| Total risk-based capital ratio | 15.3032% | 4,376 |
| Memoranda: | ||
| Average total assets | $189,758,670 | 3,220 |
| Average earning assets | $177,773,670 | 3,168 |
| Average equity | $17,350,330 | 3,593 |
| Average total loans | $129,134,670 | 2,942 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0071% | 1,861 |
| Cost of funding earning assets | 1.0605% | 1,617 |
| Net interest margin | 3.9466% | 2,735 |
| Noninterest income to average assets | 0.7271% | 2,517 |
| Noninterest expense to average assets | 2.7702% | 4,158 |
| Loan and lease loss provision to assets | 0.2658% | 2,333 |
| Net operating income to assets | 0.9610% | 2,635 |
| Return on assets (ROA) | 0.9610% | 2,835 |
| Pretax return on assets | 1.3862% | 2,229 |
| Return on Equity (ROE) | 10.5509% | 2,210 |
| Retained earnings to average equity (ytd only) | 8.3100% | 1,857 |
| Net charge-offs to loans | 0.8975% | 1,146 |
| Credit loss provision to net charge-offs | 43.4028% | 3,388 |
| Earnings coverage of net charge-offs (x) | 2.6979% | 3,103 |
| Efficiency ratio | 62.6442% | 5,163 |
| Assets per employee ($millions) | 3.6978% | 4,658 |
| Cash dividends to net income (ytd only)* | 21.2389% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6782% | 3,433 |
| Loan loss allowance to noncurrent loans | 136.5228% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.8316% | 4,869 |
| Noncurrent loans to loans | 1.2292% | 4,285 |
| Net loans and leases to total assets | 66.5146% | 2,373 |
| Net loans and leases to deposits | 79.4332% | 2,283 |
| Net loans and leases to core deposits | 82.9746% | 2,695 |
| Total domestic deposits to total assets | 83.7366% | 4,617 |
| Equity capital to assets | 9.0210% | 5,464 |
| Core capital (leverage) ratio | 8.8785% | 5,023 |
| Tier 1 risk-based capital ratio | 13.8778% | 4,546 |
| Total risk-based capital ratio | 15.1347% | 4,525 |
| Memoranda: | ||
| Average total assets | $188,143,500 | 3,258 |
| Average earning assets | $176,151,500 | 3,206 |
| Average equity | $17,136,000 | 3,621 |
| Average total loans | $128,360,000 | 2,973 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3746% | 1,483 |
| Cost of funding earning assets | 1.2256% | 1,867 |
| Net interest margin | 4.1490% | 2,231 |
| Noninterest income to average assets | 0.7641% | 2,266 |
| Noninterest expense to average assets | 3.5147% | 1,945 |
| Loan and lease loss provision to assets | 0.5019% | 2,095 |
| Net operating income to assets | 0.5128% | 4,365 |
| Return on assets (ROA) | 0.5293% | 4,507 |
| Pretax return on assets | 0.6475% | 4,520 |
| Return on Equity (ROE) | 5.7991% | 3,970 |
| Retained earnings to average equity (ytd only) | 4.9192% | 2,700 |
| Net charge-offs to loans | 0.2784% | 4,031 |
| Credit loss provision to net charge-offs | 257.8797% | 936 |
| Earnings coverage of net charge-offs (x) | 5.8023% | 2,676 |
| Efficiency ratio | 75.6815% | 2,940 |
| Assets per employee ($millions) | 3.4718% | 5,093 |
| Cash dividends to net income (ytd only)* | 15.1739% | 3,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8525% | 2,699 |
| Loan loss allowance to noncurrent loans | 160.9053% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.7924% | 5,049 |
| Noncurrent loans to loans | 1.1513% | 4,444 |
| Net loans and leases to total assets | 67.5500% | 2,482 |
| Net loans and leases to deposits | 81.0742% | 2,346 |
| Net loans and leases to core deposits | 84.9194% | 2,757 |
| Total domestic deposits to total assets | 83.3188% | 4,616 |
| Equity capital to assets | 9.1988% | 5,285 |
| Core capital (leverage) ratio | 8.8425% | 5,032 |
| Tier 1 risk-based capital ratio | 13.8830% | 4,411 |
| Total risk-based capital ratio | 15.1422% | 4,364 |
| Memoranda: | ||
| Average total assets | $179,303,200 | 3,346 |
| Average earning assets | $167,678,200 | 3,286 |
| Average equity | $16,364,600 | 3,670 |
| Average total loans | $125,356,200 | 3,074 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4204% | 1,456 |
| Cost of funding earning assets | 1.2547% | 1,968 |
| Net interest margin | 4.1657% | 2,221 |
| Noninterest income to average assets | 0.7530% | 2,295 |
| Noninterest expense to average assets | 3.2994% | 2,491 |
| Loan and lease loss provision to assets | 0.5052% | 1,960 |
| Net operating income to assets | 0.6287% | 3,973 |
| Return on assets (ROA) | 0.6370% | 4,118 |
| Pretax return on assets | 0.8563% | 3,927 |
| Return on Equity (ROE) | 6.9935% | 3,530 |
| Retained earnings to average equity (ytd only) | 5.8101% | 2,667 |
| Net charge-offs to loans | 0.2197% | 4,063 |
| Credit loss provision to net charge-offs | 327.6699% | 856 |
| Earnings coverage of net charge-offs (x) | 8.7573% | 2,131 |
| Efficiency ratio | 70.9594% | 3,746 |
| Assets per employee ($millions) | 3.3856% | 5,279 |
| Cash dividends to net income (ytd only)* | 16.9217% | 3,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8141% | 2,890 |
| Loan loss allowance to noncurrent loans | 138.5557% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.8938% | 4,949 |
| Noncurrent loans to loans | 1.3093% | 4,349 |
| Net loans and leases to total assets | 67.0238% | 2,672 |
| Net loans and leases to deposits | 81.8236% | 2,392 |
| Net loans and leases to core deposits | 85.8587% | 2,789 |
| Total domestic deposits to total assets | 81.9126% | 5,130 |
| Equity capital to assets | 9.2264% | 5,473 |
| Core capital (leverage) ratio | 8.8270% | 5,216 |
| Tier 1 risk-based capital ratio | 14.0319% | 4,334 |
| Total risk-based capital ratio | 15.2907% | 4,297 |
| Memoranda: | ||
| Average total assets | $178,128,250 | 3,378 |
| Average earning assets | $166,626,500 | 3,307 |
| Average equity | $16,224,250 | 3,698 |
| Average total loans | $125,035,250 | 3,102 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4672% | 1,372 |
| Cost of funding earning assets | 1.2710% | 2,114 |
| Net interest margin | 4.1963% | 2,050 |
| Noninterest income to average assets | 0.6887% | 2,611 |
| Noninterest expense to average assets | 3.3574% | 2,378 |
| Loan and lease loss provision to assets | 0.5097% | 1,921 |
| Net operating income to assets | 0.5726% | 4,199 |
| Return on assets (ROA) | 0.5743% | 4,314 |
| Pretax return on assets | 0.7544% | 4,200 |
| Return on Equity (ROE) | 6.3337% | 3,775 |
| Retained earnings to average equity (ytd only) | 5.1344% | 2,921 |
| Net charge-offs to loans | 0.1726% | 4,134 |
| Credit loss provision to net charge-offs | 416.6667% | 722 |
| Earnings coverage of net charge-offs (x) | 10.3148% | 1,824 |
| Efficiency ratio | 72.6827% | 3,604 |
| Assets per employee ($millions) | 3.2755% | 5,470 |
| Cash dividends to net income (ytd only)* | 18.9349% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7060% | 3,304 |
| Loan loss allowance to noncurrent loans | 99.8598% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 1.1667% | 4,556 |
| Noncurrent loans to loans | 1.7084% | 3,875 |
| Net loans and leases to total assets | 67.1268% | 2,802 |
| Net loans and leases to deposits | 81.8676% | 2,476 |
| Net loans and leases to core deposits | 85.5757% | 2,984 |
| Total domestic deposits to total assets | 81.9944% | 5,170 |
| Equity capital to assets | 8.9393% | 5,664 |
| Core capital (leverage) ratio | 8.7959% | 5,055 |
| Tier 1 risk-based capital ratio | 13.8057% | 4,303 |
| Total risk-based capital ratio | 15.0629% | 4,271 |
| Memoranda: | ||
| Average total assets | $176,563,330 | 3,425 |
| Average earning assets | $165,385,670 | 3,349 |
| Average equity | $16,009,670 | 3,733 |
| Average total loans | $125,114,000 | 3,122 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5379% | 1,205 |
| Cost of funding earning assets | 1.2816% | 2,295 |
| Net interest margin | 4.2563% | 1,715 |
| Noninterest income to average assets | 0.8017% | 2,027 |
| Noninterest expense to average assets | 3.4540% | 2,134 |
| Loan and lease loss provision to assets | 0.5198% | 1,670 |
| Net operating income to assets | 0.6284% | 3,875 |
| Return on assets (ROA) | 0.6284% | 3,943 |
| Pretax return on assets | 0.8410% | 3,739 |
| Return on Equity (ROE) | 6.8791% | 3,448 |
| Retained earnings to average equity (ytd only) | 5.6651% | 2,818 |
| Net charge-offs to loans | 0.0672% | 4,251 |
| Credit loss provision to net charge-offs | 1,071.4286% | 356 |
| Earnings coverage of net charge-offs (x) | 28.0476% | 874 |
| Efficiency ratio | 71.7370% | 3,924 |
| Assets per employee ($millions) | 3.0692% | 6,007 |
| Cash dividends to net income (ytd only)* | 17.6471% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6004% | 3,723 |
| Loan loss allowance to noncurrent loans | 117.7267% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.9706% | 4,960 |
| Noncurrent loans to loans | 1.3595% | 4,440 |
| Net loans and leases to total assets | 70.2529% | 2,080 |
| Net loans and leases to deposits | 85.0300% | 1,871 |
| Net loans and leases to core deposits | 89.2491% | 2,447 |
| Total domestic deposits to total assets | 82.6214% | 5,056 |
| Equity capital to assets | 9.1749% | 4,912 |
| Core capital (leverage) ratio | 9.0706% | 4,497 |
| Tier 1 risk-based capital ratio | 14.3385% | 3,839 |
| Total risk-based capital ratio | 15.5959% | 3,799 |
| Memoranda: | ||
| Average total assets | $173,132,000 | 3,503 |
| Average earning assets | $163,239,500 | 3,398 |
| Average equity | $15,816,000 | 3,749 |
| Average total loans | $125,038,500 | 3,154 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7435% | 1,425 |
| Cost of funding earning assets | 1.5896% | 2,129 |
| Net interest margin | 4.1538% | 2,351 |
| Noninterest income to average assets | 0.7193% | 2,717 |
| Noninterest expense to average assets | 3.3120% | 2,701 |
| Loan and lease loss provision to assets | 0.8725% | 1,872 |
| Net operating income to assets | 0.3944% | 4,565 |
| Return on assets (ROA) | 0.4440% | 4,506 |
| Pretax return on assets | 0.5120% | 4,580 |
| Return on Equity (ROE) | 4.9150% | 4,103 |
| Retained earnings to average equity (ytd only) | 3.0472% | 3,720 |
| Net charge-offs to loans | 1.1527% | 1,936 |
| Credit loss provision to net charge-offs | 103.3424% | 4,360 |
| Earnings coverage of net charge-offs (x) | 1.5723% | 4,558 |
| Efficiency ratio | 71.3009% | 3,935 |
| Assets per employee ($millions) | 3.0593% | 5,974 |
| Cash dividends to net income (ytd only)* | 38.0026% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4340% | 4,357 |
| Loan loss allowance to noncurrent loans | 100.4477% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 1.0466% | 4,911 |
| Noncurrent loans to loans | 1.4276% | 4,349 |
| Net loans and leases to total assets | 72.0171% | 2,105 |
| Net loans and leases to deposits | 87.2572% | 1,901 |
| Net loans and leases to core deposits | 91.4704% | 2,560 |
| Total domestic deposits to total assets | 82.5343% | 5,005 |
| Equity capital to assets | 9.0947% | 4,998 |
| Core capital (leverage) ratio | 8.7972% | 4,863 |
| Tier 1 risk-based capital ratio | 14.0895% | 3,814 |
| Total risk-based capital ratio | 15.3439% | 3,778 |
| Memoranda: | ||
| Average total assets | $173,642,800 | 3,472 |
| Average earning assets | $163,873,600 | 3,378 |
| Average equity | $15,686,600 | 3,819 |
| Average total loans | $127,180,800 | 3,174 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7996% | 1,399 |
| Cost of funding earning assets | 1.6245% | 2,253 |
| Net interest margin | 4.1751% | 2,318 |
| Noninterest income to average assets | 0.7132% | 2,749 |
| Noninterest expense to average assets | 3.2930% | 2,595 |
| Loan and lease loss provision to assets | 0.8495% | 1,789 |
| Net operating income to assets | 0.4241% | 4,644 |
| Return on assets (ROA) | 0.4699% | 4,637 |
| Pretax return on assets | 0.5694% | 4,693 |
| Return on Equity (ROE) | 5.2100% | 4,194 |
| Retained earnings to average equity (ytd only) | 3.5808% | 3,927 |
| Net charge-offs to loans | 0.1514% | 5,095 |
| Credit loss provision to net charge-offs | 765.5172% | 387 |
| Earnings coverage of net charge-offs (x) | 12.2896% | 1,700 |
| Efficiency ratio | 70.6327% | 3,950 |
| Assets per employee ($millions) | 3.2445% | 5,587 |
| Cash dividends to net income (ytd only)* | 31.2698% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1202% | 1,954 |
| Loan loss allowance to noncurrent loans | 1,383.1633% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.1250% | 7,044 |
| Noncurrent loans to loans | 0.1533% | 6,869 |
| Net loans and leases to total assets | 71.4353% | 2,373 |
| Net loans and leases to deposits | 89.1710% | 1,841 |
| Net loans and leases to core deposits | 93.1608% | 2,637 |
| Total domestic deposits to total assets | 80.1104% | 5,669 |
| Equity capital to assets | 9.1917% | 5,324 |
| Core capital (leverage) ratio | 8.7860% | 5,037 |
| Tier 1 risk-based capital ratio | 13.7856% | 3,993 |
| Total risk-based capital ratio | 15.0504% | 3,940 |
| Memoranda: | ||
| Average total assets | $174,223,750 | 3,508 |
| Average earning assets | $164,560,250 | 3,414 |
| Average equity | $15,713,000 | 3,857 |
| Average total loans | $127,682,500 | 3,210 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7866% | 1,455 |
| Cost of funding earning assets | 1.6674% | 2,304 |
| Net interest margin | 4.1192% | 2,472 |
| Noninterest income to average assets | 0.7234% | 2,557 |
| Noninterest expense to average assets | 3.2939% | 2,582 |
| Loan and lease loss provision to assets | 0.7476% | 1,936 |
| Net operating income to assets | 0.4522% | 4,546 |
| Return on assets (ROA) | 0.4830% | 4,559 |
| Pretax return on assets | 0.6107% | 4,536 |
| Return on Equity (ROE) | 5.3906% | 4,094 |
| Retained earnings to average equity (ytd only) | 3.5424% | 3,853 |
| Net charge-offs to loans | 0.0392% | 5,817 |
| Credit loss provision to net charge-offs | 2,600.0000% | 163 |
| Earnings coverage of net charge-offs (x) | 45.8800% | 645 |
| Efficiency ratio | 71.3288% | 3,938 |
| Assets per employee ($millions) | 3.2409% | 5,571 |
| Cash dividends to net income (ytd only)* | 34.2857% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8386% | 2,605 |
| Loan loss allowance to noncurrent loans | 843.7722% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.1646% | 6,974 |
| Noncurrent loans to loans | 0.2179% | 6,808 |
| Net loans and leases to total assets | 72.3320% | 2,315 |
| Net loans and leases to deposits | 90.2819% | 1,807 |
| Net loans and leases to core deposits | 94.1370% | 2,693 |
| Total domestic deposits to total assets | 80.1179% | 5,693 |
| Equity capital to assets | 9.0025% | 5,445 |
| Core capital (leverage) ratio | 8.6397% | 5,175 |
| Tier 1 risk-based capital ratio | 13.4968% | 4,067 |
| Total risk-based capital ratio | 14.7574% | 4,025 |
| Memoranda: | ||
| Average total assets | $173,897,670 | 3,536 |
| Average earning assets | $164,206,670 | 3,441 |
| Average equity | $15,582,670 | 3,874 |
| Average total loans | $127,621,000 | 3,244 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7497% | 1,617 |
| Cost of funding earning assets | 1.7042% | 2,371 |
| Net interest margin | 4.0456% | 2,672 |
| Noninterest income to average assets | 0.7523% | 2,288 |
| Noninterest expense to average assets | 3.3552% | 2,362 |
| Loan and lease loss provision to assets | 0.6830% | 1,865 |
| Net operating income to assets | 0.4196% | 4,757 |
| Return on assets (ROA) | 0.4754% | 4,640 |
| Pretax return on assets | 0.6092% | 4,566 |
| Return on Equity (ROE) | 5.3173% | 4,200 |
| Retained earnings to average equity (ytd only) | 2.8394% | 4,427 |
| Net charge-offs to loans | 0.6711% | 2,150 |
| Credit loss provision to net charge-offs | 138.9671% | 2,542 |
| Earnings coverage of net charge-offs (x) | 2.4836% | 3,299 |
| Efficiency ratio | 73.2224% | 3,719 |
| Assets per employee ($millions) | 3.3257% | 5,487 |
| Cash dividends to net income (ytd only)* | 46.6019% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4623% | 4,118 |
| Loan loss allowance to noncurrent loans | 1,082.2485% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.1282% | 7,158 |
| Noncurrent loans to loans | 0.1351% | 7,065 |
| Net loans and leases to total assets | 69.9247% | 2,958 |
| Net loans and leases to deposits | 87.1236% | 2,391 |
| Net loans and leases to core deposits | 92.6379% | 3,019 |
| Total domestic deposits to total assets | 80.2592% | 5,701 |
| Equity capital to assets | 8.8169% | 5,518 |
| Core capital (leverage) ratio | 8.7027% | 5,018 |
| Tier 1 risk-based capital ratio | 13.6553% | 3,890 |
| Total risk-based capital ratio | 14.9106% | 3,843 |
| Memoranda: | ||
| Average total assets | $173,343,000 | 3,606 |
| Average earning assets | $163,834,000 | 3,496 |
| Average equity | $15,496,500 | 3,920 |
| Average total loans | $126,953,000 | 3,328 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1757% | 1,306 |
| Cost of funding earning assets | 2.1392% | 2,280 |
| Net interest margin | 4.0365% | 2,711 |
| Noninterest income to average assets | 0.4936% | 4,463 |
| Noninterest expense to average assets | 3.1940% | 3,398 |
| Loan and lease loss provision to assets | 0.4808% | 3,960 |
| Net operating income to assets | 0.4536% | 3,914 |
| Return on assets (ROA) | 0.4872% | 3,881 |
| Pretax return on assets | 0.6754% | 3,663 |
| Return on Equity (ROE) | 5.5785% | 3,386 |
| Retained earnings to average equity (ytd only) | 4.6176% | 2,026 |
| Net charge-offs to loans | 0.3647% | 4,398 |
| Credit loss provision to net charge-offs | 174.7881% | 2,403 |
| Earnings coverage of net charge-offs (x) | 4.0339% | 3,094 |
| Efficiency ratio | 73.9336% | 3,909 |
| Assets per employee ($millions) | 3.4084% | 5,235 |
| Cash dividends to net income (ytd only)* | 17.2249% | 3,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3553% | 4,458 |
| Loan loss allowance to noncurrent loans | 1,045.5090% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.1273% | 7,161 |
| Noncurrent loans to loans | 0.1296% | 7,106 |
| Net loans and leases to total assets | 74.5673% | 2,128 |
| Net loans and leases to deposits | 93.7334% | 1,635 |
| Net loans and leases to core deposits | 110.9231% | 2,805 |
| Total domestic deposits to total assets | 79.5525% | 5,832 |
| Equity capital to assets | 9.0669% | 5,039 |
| Core capital (leverage) ratio | 8.6889% | 4,937 |
| Tier 1 risk-based capital ratio | 13.3546% | 3,911 |
| Total risk-based capital ratio | 14.6080% | 3,856 |
| Memoranda: | ||
| Average total assets | $171,600,400 | 3,581 |
| Average earning assets | $161,973,400 | 3,482 |
| Average equity | $14,986,200 | 4,058 |
| Average total loans | $129,418,800 | 3,283 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1810% | 1,416 |
| Cost of funding earning assets | 2.2242% | 2,294 |
| Net interest margin | 3.9567% | 3,003 |
| Noninterest income to average assets | 0.6446% | 3,382 |
| Noninterest expense to average assets | 3.2166% | 3,247 |
| Loan and lease loss provision to assets | 0.4072% | 3,882 |
| Net operating income to assets | 0.5515% | 3,788 |
| Return on assets (ROA) | 0.5957% | 3,677 |
| Pretax return on assets | 0.8137% | 3,494 |
| Return on Equity (ROE) | 6.8863% | 3,127 |
| Retained earnings to average equity (ytd only) | 5.5951% | 2,159 |
| Net charge-offs to loans | 0.3818% | 3,738 |
| Credit loss provision to net charge-offs | 141.5094% | 3,471 |
| Earnings coverage of net charge-offs (x) | 4.0324% | 3,293 |
| Efficiency ratio | 73.2057% | 4,015 |
| Assets per employee ($millions) | 3.4673% | 5,008 |
| Cash dividends to net income (ytd only)* | 18.7505% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 5,091 |
| Loan loss allowance to noncurrent loans | 156.8966% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.6322% | 5,869 |
| Noncurrent loans to loans | 0.7667% | 5,768 |
| Net loans and leases to total assets | 74.7810% | 2,296 |
| Net loans and leases to deposits | 94.4252% | 1,802 |
| Net loans and leases to core deposits | 114.5503% | 2,774 |
| Total domestic deposits to total assets | 79.1961% | 5,736 |
| Equity capital to assets | 9.1038% | 5,328 |
| Core capital (leverage) ratio | 8.6494% | 5,223 |
| Tier 1 risk-based capital ratio | 13.1637% | 4,075 |
| Total risk-based capital ratio | 14.4155% | 4,011 |
| Memoranda: | ||
| Average total assets | $171,895,000 | 3,597 |
| Average earning assets | $162,149,750 | 3,510 |
| Average equity | $14,869,750 | 4,122 |
| Average total loans | $129,567,250 | 3,307 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2018% | 1,445 |
| Cost of funding earning assets | 2.3237% | 2,264 |
| Net interest margin | 3.8781% | 3,214 |
| Noninterest income to average assets | 0.6004% | 3,689 |
| Noninterest expense to average assets | 3.2220% | 3,263 |
| Loan and lease loss provision to assets | 0.1739% | 5,315 |
| Net operating income to assets | 0.6404% | 3,505 |
| Return on assets (ROA) | 0.6687% | 3,503 |
| Pretax return on assets | 0.9005% | 3,335 |
| Return on Equity (ROE) | 7.8660% | 2,829 |
| Retained earnings to average equity (ytd only) | 6.5573% | 1,766 |
| Net charge-offs to loans | 0.0447% | 5,840 |
| Credit loss provision to net charge-offs | 517.2414% | 895 |
| Earnings coverage of net charge-offs (x) | 30.8276% | 982 |
| Efficiency ratio | 75.3674% | 3,816 |
| Assets per employee ($millions) | 3.2796% | 5,371 |
| Cash dividends to net income (ytd only)* | 16.6378% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 5,064 |
| Loan loss allowance to noncurrent loans | 110.6725% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.9024% | 5,177 |
| Noncurrent loans to loans | 1.0676% | 5,079 |
| Net loans and leases to total assets | 74.2491% | 2,636 |
| Net loans and leases to deposits | 94.9433% | 1,964 |
| Net loans and leases to core deposits | 113.2160% | 2,994 |
| Total domestic deposits to total assets | 78.2037% | 6,021 |
| Equity capital to assets | 8.7494% | 5,687 |
| Core capital (leverage) ratio | 8.5360% | 5,378 |
| Tier 1 risk-based capital ratio | 13.0494% | 4,110 |
| Total risk-based capital ratio | 14.3006% | 4,030 |
| Memoranda: | ||
| Average total assets | $172,561,330 | 3,591 |
| Average earning assets | $162,760,000 | 3,511 |
| Average equity | $14,670,670 | 4,168 |
| Average total loans | $129,890,670 | 3,340 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2735% | 1,378 |
| Cost of funding earning assets | 2.4009% | 2,291 |
| Net interest margin | 3.8727% | 3,173 |
| Noninterest income to average assets | 0.5807% | 3,680 |
| Noninterest expense to average assets | 3.2102% | 2,943 |
| Loan and lease loss provision to assets | 0.1728% | 4,737 |
| Net operating income to assets | 0.6250% | 3,913 |
| Return on assets (ROA) | 0.6591% | 3,936 |
| Pretax return on assets | 0.8941% | 3,741 |
| Return on Equity (ROE) | 7.8650% | 3,213 |
| Retained earnings to average equity (ytd only) | 6.5450% | 2,401 |
| Net charge-offs to loans | 0.0948% | 4,225 |
| Credit loss provision to net charge-offs | 241.9355% | 1,927 |
| Earnings coverage of net charge-offs (x) | 14.2903% | 1,677 |
| Efficiency ratio | 75.5991% | 3,551 |
| Assets per employee ($millions) | 3.2612% | 5,417 |
| Cash dividends to net income (ytd only)* | 16.7832% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1191% | 5,332 |
| Loan loss allowance to noncurrent loans | 422.6471% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.2939% | 6,636 |
| Noncurrent loans to loans | 0.2648% | 6,774 |
| Net loans and leases to total assets | 73.4607% | 2,903 |
| Net loans and leases to deposits | 92.1154% | 2,578 |
| Net loans and leases to core deposits | 112.7549% | 3,137 |
| Total domestic deposits to total assets | 79.7486% | 5,451 |
| Equity capital to assets | 8.5182% | 6,044 |
| Core capital (leverage) ratio | 8.3754% | 5,765 |
| Tier 1 risk-based capital ratio | 12.7786% | 4,338 |
| Total risk-based capital ratio | 14.0296% | 4,250 |
| Memoranda: | ||
| Average total assets | $173,573,000 | 3,597 |
| Average earning assets | $163,608,500 | 3,516 |
| Average equity | $14,545,500 | 4,219 |
| Average total loans | $130,767,500 | 3,344 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6639% | 2,184 |
| Cost of funding earning assets | 2.7062% | 3,136 |
| Net interest margin | 3.9577% | 3,323 |
| Noninterest income to average assets | 0.6558% | 3,430 |
| Noninterest expense to average assets | 3.4370% | 2,561 |
| Loan and lease loss provision to assets | 0.3324% | 3,735 |
| Net operating income to assets | 0.4886% | 4,792 |
| Return on assets (ROA) | 0.4989% | 4,581 |
| Pretax return on assets | 0.6109% | 4,660 |
| Return on Equity (ROE) | 5.9176% | 3,976 |
| Retained earnings to average equity (ytd only) | 1.0443% | 4,600 |
| Net charge-offs to loans | 0.0912% | 5,431 |
| Credit loss provision to net charge-offs | 482.6087% | 912 |
| Earnings coverage of net charge-offs (x) | 13.5130% | 2,126 |
| Efficiency ratio | 78.3765% | 2,859 |
| Assets per employee ($millions) | 3.2279% | 5,406 |
| Cash dividends to net income (ytd only)* | 82.3529% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 5,657 |
| Loan loss allowance to noncurrent loans | 199.8565% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.4756% | 5,799 |
| Noncurrent loans to loans | 0.5236% | 5,784 |
| Net loans and leases to total assets | 75.5772% | 2,739 |
| Net loans and leases to deposits | 94.2411% | 2,719 |
| Net loans and leases to core deposits | 116.3255% | 3,089 |
| Total domestic deposits to total assets | 80.1955% | 4,944 |
| Equity capital to assets | 8.2431% | 6,490 |
| Core capital (leverage) ratio | 7.8352% | 6,746 |
| Tier 1 risk-based capital ratio | 12.1143% | 4,729 |
| Total risk-based capital ratio | 13.2921% | 4,671 |
| Memoranda: | ||
| Average total assets | $166,978,800 | 3,596 |
| Average earning assets | $156,604,200 | 3,540 |
| Average equity | $14,076,600 | 4,326 |
| Average total loans | $126,147,800 | 3,329 |