Home > Community State Bank of Orbisonia > Performance and Condition Ratios
Community State Bank of Orbisonia, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8176% | 2,442 |
| Cost of funding earning assets | 1.1544% | 2,924 |
| Net interest margin | 3.6632% | 1,827 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 3.3017% | 737 |
| Loan and lease loss provision to assets | 0.2200% | 549 |
| Net operating income to assets | 0.3905% | 3,892 |
| Return on assets (ROA) | 0.3905% | 3,882 |
| Pretax return on assets | 0.4541% | 3,889 |
| Return on Equity (ROE) | 5.0900% | 3,708 |
| Retained earnings to average equity (ytd only) | 2.8617% | 3,325 |
| Net charge-offs to loans | 0.1986% | 536 |
| Credit loss provision to net charge-offs | 143.7861% | 1,504 |
| Earnings coverage of net charge-offs (x) | 4.4538% | 2,587 |
| Efficiency ratio | 83.1188% | 711 |
| Assets per employee ($millions) | 4.1125% | 4,120 |
| Cash dividends to net income (ytd only)* | 43.7326% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8718% | 3,803 |
| Loan loss allowance to noncurrent loans | 169.9174% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.4405% | 1,261 |
| Noncurrent loans to loans | 0.5131% | 1,502 |
| Net loans and leases to total assets | 76.1300% | 1,098 |
| Net loans and leases to deposits | 88.8841% | 1,351 |
| Net loans and leases to core deposits | 91.9965% | 1,903 |
| Total domestic deposits to total assets | 85.6500% | 2,126 |
| Equity capital to assets | 8.0471% | 3,377 |
| Core capital (leverage) ratio | 9.1717% | 3,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $459,616,800 | 1,825 |
| Average earning assets | $423,423,200 | 1,824 |
| Average equity | $35,294,200 | 2,046 |
| Average total loans | $348,471,600 | 1,614 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7693% | 2,332 |
| Cost of funding earning assets | 1.0828% | 2,793 |
| Net interest margin | 3.6865% | 1,804 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 3.1262% | 897 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 0.5393% | 3,683 |
| Return on assets (ROA) | 0.5393% | 3,672 |
| Pretax return on assets | 0.6580% | 3,628 |
| Return on Equity (ROE) | 7.1100% | 3,400 |
| Retained earnings to average equity (ytd only) | 4.9963% | 2,934 |
| Net charge-offs to loans | 0.1698% | 505 |
| Credit loss provision to net charge-offs | 134.6154% | 1,392 |
| Earnings coverage of net charge-offs (x) | 6.4751% | 2,288 |
| Efficiency ratio | 79.0068% | 930 |
| Assets per employee ($millions) | 4.3543% | 4,022 |
| Cash dividends to net income (ytd only)* | 29.7094% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8438% | 3,890 |
| Loan loss allowance to noncurrent loans | 125.8687% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.5153% | 1,132 |
| Noncurrent loans to loans | 0.6703% | 1,232 |
| Net loans and leases to total assets | 75.4200% | 1,187 |
| Net loans and leases to deposits | 86.4246% | 1,519 |
| Net loans and leases to core deposits | 89.6191% | 1,956 |
| Total domestic deposits to total assets | 87.2600% | 1,815 |
| Equity capital to assets | 7.5715% | 3,314 |
| Core capital (leverage) ratio | 9.1916% | 3,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $459,371,500 | 1,826 |
| Average earning assets | $422,356,750 | 1,831 |
| Average equity | $34,851,500 | 2,055 |
| Average total loans | $347,155,250 | 1,621 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6758% | 2,256 |
| Cost of funding earning assets | 0.9833% | 2,656 |
| Net interest margin | 3.6926% | 1,829 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 3.1706% | 818 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 0.5177% | 3,773 |
| Return on assets (ROA) | 0.5177% | 3,779 |
| Pretax return on assets | 0.6034% | 3,799 |
| Return on Equity (ROE) | 6.8200% | 3,518 |
| Retained earnings to average equity (ytd only) | 4.7066% | 3,025 |
| Net charge-offs to loans | 0.1591% | 492 |
| Credit loss provision to net charge-offs | 108.6957% | 1,385 |
| Earnings coverage of net charge-offs (x) | 6.1159% | 2,138 |
| Efficiency ratio | 81.2069% | 767 |
| Assets per employee ($millions) | 4.3750% | 4,020 |
| Cash dividends to net income (ytd only)* | 30.9824% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8017% | 4,018 |
| Loan loss allowance to noncurrent loans | 110.7383% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 0.5516% | 981 |
| Noncurrent loans to loans | 0.7239% | 1,034 |
| Net loans and leases to total assets | 74.8500% | 1,187 |
| Net loans and leases to deposits | 85.8547% | 1,512 |
| Net loans and leases to core deposits | 89.1508% | 1,855 |
| Total domestic deposits to total assets | 87.1800% | 1,876 |
| Equity capital to assets | 7.6554% | 3,430 |
| Core capital (leverage) ratio | 8.9342% | 3,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $460,095,667 | 1,829 |
| Average earning assets | $424,095,667 | 1,830 |
| Average equity | $34,929,667 | 2,058 |
| Average total loans | $346,963,000 | 1,611 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5475% | 2,196 |
| Cost of funding earning assets | 0.8154% | 2,680 |
| Net interest margin | 3.7321% | 1,824 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.9598% | 1,134 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 0.6040% | 3,681 |
| Return on assets (ROA) | 0.6040% | 3,643 |
| Pretax return on assets | 0.7332% | 3,600 |
| Return on Equity (ROE) | 7.9900% | 3,290 |
| Retained earnings to average equity (ytd only) | 5.8539% | 2,807 |
| Net charge-offs to loans | 0.0961% | 610 |
| Credit loss provision to net charge-offs | 180.7229% | 868 |
| Earnings coverage of net charge-offs (x) | 11.9277% | 1,623 |
| Efficiency ratio | 77.4024% | 1,058 |
| Assets per employee ($millions) | 4.2978% | 4,126 |
| Cash dividends to net income (ytd only)* | 26.7341% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8189% | 4,055 |
| Loan loss allowance to noncurrent loans | 100.6716% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 0.6149% | 823 |
| Noncurrent loans to loans | 0.8134% | 939 |
| Net loans and leases to total assets | 74.3200% | 1,161 |
| Net loans and leases to deposits | 84.9037% | 1,433 |
| Net loans and leases to core deposits | 87.6316% | 1,767 |
| Total domestic deposits to total assets | 87.5300% | 2,078 |
| Equity capital to assets | 7.6290% | 3,490 |
| Core capital (leverage) ratio | 9.5645% | 3,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $458,268,000 | 1,858 |
| Average earning assets | $424,320,500 | 1,851 |
| Average equity | $34,643,500 | 2,090 |
| Average total loans | $345,494,000 | 1,634 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2054% | 1,232 |
| Cost of funding earning assets | 0.4477% | 1,736 |
| Net interest margin | 3.7576% | 1,247 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 3.1135% | 820 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 0.5097% | 4,078 |
| Return on assets (ROA) | 0.5097% | 4,035 |
| Pretax return on assets | 0.5987% | 4,031 |
| Return on Equity (ROE) | 6.4500% | 3,735 |
| Retained earnings to average equity (ytd only) | 5.3265% | 2,909 |
| Net charge-offs to loans | 0.0768% | 876 |
| Credit loss provision to net charge-offs | 196.4286% | 1,136 |
| Earnings coverage of net charge-offs (x) | 12.6151% | 2,103 |
| Efficiency ratio | 81.4484% | 626 |
| Assets per employee ($millions) | 4.1125% | 4,241 |
| Cash dividends to net income (ytd only)* | 17.4617% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1017% | 2,888 |
| Loan loss allowance to noncurrent loans | 144.6996% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 0.5831% | 858 |
| Noncurrent loans to loans | 0.7614% | 985 |
| Net loans and leases to total assets | 75.0300% | 1,128 |
| Net loans and leases to deposits | 83.5427% | 1,498 |
| Net loans and leases to core deposits | 85.9141% | 1,758 |
| Total domestic deposits to total assets | 89.8100% | 1,442 |
| Equity capital to assets | 7.4885% | 3,393 |
| Core capital (leverage) ratio | 9.4420% | 3,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $448,270,200 | 1,859 |
| Average earning assets | $414,994,800 | 1,863 |
| Average equity | $35,407,800 | 2,090 |
| Average total loans | $328,057,200 | 1,608 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1051% | 1,057 |
| Cost of funding earning assets | 0.4354% | 1,065 |
| Net interest margin | 3.6697% | 1,218 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 2.9016% | 1,053 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 0.5870% | 3,863 |
| Return on assets (ROA) | 0.5870% | 3,824 |
| Pretax return on assets | 0.6988% | 3,801 |
| Return on Equity (ROE) | 7.3400% | 3,510 |
| Retained earnings to average equity (ytd only) | 5.9604% | 2,767 |
| Net charge-offs to loans | 0.0876% | 695 |
| Credit loss provision to net charge-offs | 169.0141% | 1,065 |
| Earnings coverage of net charge-offs (x) | 12.6948% | 1,906 |
| Efficiency ratio | 78.2584% | 895 |
| Assets per employee ($millions) | 4.3685% | 4,142 |
| Cash dividends to net income (ytd only)* | 18.7405% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1030% | 3,007 |
| Loan loss allowance to noncurrent loans | 166.1407% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.4835% | 1,123 |
| Noncurrent loans to loans | 0.6639% | 1,229 |
| Net loans and leases to total assets | 72.0300% | 1,298 |
| Net loans and leases to deposits | 78.1821% | 1,693 |
| Net loans and leases to core deposits | 80.8038% | 1,845 |
| Total domestic deposits to total assets | 92.1400% | 837 |
| Equity capital to assets | 7.0327% | 3,500 |
| Core capital (leverage) ratio | 9.2991% | 3,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $447,244,000 | 1,869 |
| Average earning assets | $413,715,000 | 1,882 |
| Average equity | $35,790,750 | 2,110 |
| Average total loans | $324,273,000 | 1,617 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0167% | 911 |
| Cost of funding earning assets | 0.4416% | 722 |
| Net interest margin | 3.5750% | 1,118 |
| Noninterest income to average assets | 0.3198% | 3,260 |
| Noninterest expense to average assets | 2.8898% | 1,007 |
| Loan and lease loss provision to assets | 0.0925% | 1,073 |
| Net operating income to assets | 0.5575% | 3,745 |
| Return on assets (ROA) | 0.5575% | 3,694 |
| Pretax return on assets | 0.6526% | 3,709 |
| Return on Equity (ROE) | 6.6869% | 3,399 |
| Retained earnings to average equity (ytd only) | 4.6905% | 2,824 |
| Net charge-offs to loans | 0.0542% | 850 |
| Credit loss provision to net charge-offs | 235.6322% | 898 |
| Earnings coverage of net charge-offs (x) | 18.9885% | 1,569 |
| Efficiency ratio | 79.5012% | 984 |
| Assets per employee ($millions) | 4.0446% | 4,347 |
| Cash dividends to net income (ytd only)* | 29.8544% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1036% | 3,147 |
| Loan loss allowance to noncurrent loans | 155.8397% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 0.5226% | 1,090 |
| Noncurrent loans to loans | 0.7082% | 1,219 |
| Net loans and leases to total assets | 72.9750% | 1,008 |
| Net loans and leases to deposits | 79.3731% | 1,430 |
| Net loans and leases to core deposits | 82.6857% | 1,546 |
| Total domestic deposits to total assets | 91.9391% | 855 |
| Equity capital to assets | 7.2946% | 3,602 |
| Core capital (leverage) ratio | 9.1670% | 3,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $443,426,333 | 1,894 |
| Average earning assets | $411,186,667 | 1,912 |
| Average equity | $36,968,000 | 2,111 |
| Average total loans | $320,996,333 | 1,627 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8784% | 959 |
| Cost of funding earning assets | 0.4479% | 668 |
| Net interest margin | 3.4305% | 1,234 |
| Noninterest income to average assets | 0.3458% | 3,027 |
| Noninterest expense to average assets | 2.7059% | 1,348 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6917% | 3,089 |
| Return on assets (ROA) | 0.6917% | 3,079 |
| Pretax return on assets | 0.8242% | 3,032 |
| Return on Equity (ROE) | 7.7999% | 2,758 |
| Retained earnings to average equity (ytd only) | 5.9164% | 2,275 |
| Net charge-offs to loans | 0.0633% | 693 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 18.1600% | 1,311 |
| Efficiency ratio | 76.6521% | 1,455 |
| Assets per employee ($millions) | 4.0831% | 4,372 |
| Cash dividends to net income (ytd only)* | 24.1470% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0945% | 3,346 |
| Loan loss allowance to noncurrent loans | 157.7567% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.5076% | 1,184 |
| Noncurrent loans to loans | 0.6938% | 1,367 |
| Net loans and leases to total assets | 70.1750% | 1,005 |
| Net loans and leases to deposits | 77.2173% | 1,343 |
| Net loans and leases to core deposits | 80.5718% | 1,445 |
| Total domestic deposits to total assets | 90.8799% | 1,095 |
| Equity capital to assets | 8.3520% | 3,282 |
| Core capital (leverage) ratio | 9.3747% | 2,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $440,666,000 | 1,908 |
| Average earning assets | $409,034,500 | 1,918 |
| Average equity | $39,077,500 | 2,090 |
| Average total loans | $315,857,000 | 1,636 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2396% | 931 |
| Cost of funding earning assets | 0.5901% | 572 |
| Net interest margin | 3.6495% | 1,342 |
| Noninterest income to average assets | 0.4040% | 3,027 |
| Noninterest expense to average assets | 3.0873% | 857 |
| Loan and lease loss provision to assets | 0.0253% | 2,556 |
| Net operating income to assets | 0.5651% | 3,946 |
| Return on assets (ROA) | 0.5651% | 3,993 |
| Pretax return on assets | 0.6715% | 3,991 |
| Return on Equity (ROE) | 5.8005% | 3,817 |
| Retained earnings to average equity (ytd only) | 3.7566% | 3,312 |
| Net charge-offs to loans | 0.0824% | 980 |
| Credit loss provision to net charge-offs | 41.6667% | 2,189 |
| Earnings coverage of net charge-offs (x) | 11.4841% | 2,151 |
| Efficiency ratio | 81.5868% | 712 |
| Assets per employee ($millions) | 4.3219% | 4,259 |
| Cash dividends to net income (ytd only)* | 35.2365% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1302% | 3,228 |
| Loan loss allowance to noncurrent loans | 166.7295% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.5070% | 1,313 |
| Noncurrent loans to loans | 0.6779% | 1,476 |
| Net loans and leases to total assets | 71.6126% | 869 |
| Net loans and leases to deposits | 79.5669% | 1,250 |
| Net loans and leases to core deposits | 82.9687% | 1,386 |
| Total domestic deposits to total assets | 90.0031% | 957 |
| Equity capital to assets | 9.4039% | 3,218 |
| Core capital (leverage) ratio | 9.4486% | 2,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $415,351,600 | 1,945 |
| Average earning assets | $384,684,600 | 1,953 |
| Average equity | $40,462,200 | 2,070 |
| Average total loans | $305,766,600 | 1,684 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2814% | 978 |
| Cost of funding earning assets | 0.6219% | 571 |
| Net interest margin | 3.6595% | 1,434 |
| Noninterest income to average assets | 0.4018% | 3,073 |
| Noninterest expense to average assets | 2.9274% | 1,082 |
| Loan and lease loss provision to assets | 0.0730% | 1,585 |
| Net operating income to assets | 0.6616% | 3,868 |
| Return on assets (ROA) | 0.6616% | 3,919 |
| Pretax return on assets | 0.7884% | 3,910 |
| Return on Equity (ROE) | 6.7297% | 3,739 |
| Retained earnings to average equity (ytd only) | 4.9087% | 3,251 |
| Net charge-offs to loans | 0.0877% | 814 |
| Credit loss provision to net charge-offs | 112.5000% | 1,495 |
| Earnings coverage of net charge-offs (x) | 13.2800% | 1,929 |
| Efficiency ratio | 77.2661% | 937 |
| Assets per employee ($millions) | 4.3884% | 4,195 |
| Cash dividends to net income (ytd only)* | 27.0588% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2061% | 2,964 |
| Loan loss allowance to noncurrent loans | 178.3654% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 0.5049% | 1,517 |
| Noncurrent loans to loans | 0.6762% | 1,624 |
| Net loans and leases to total assets | 71.3945% | 938 |
| Net loans and leases to deposits | 79.5378% | 1,330 |
| Net loans and leases to core deposits | 83.0761% | 1,493 |
| Total domestic deposits to total assets | 89.7618% | 887 |
| Equity capital to assets | 9.6645% | 3,230 |
| Core capital (leverage) ratio | 9.5754% | 2,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $411,141,500 | 1,968 |
| Average earning assets | $380,518,750 | 1,986 |
| Average equity | $40,417,000 | 2,098 |
| Average total loans | $303,947,750 | 1,720 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2926% | 1,017 |
| Cost of funding earning assets | 0.6556% | 548 |
| Net interest margin | 3.6370% | 1,503 |
| Noninterest income to average assets | 0.4347% | 2,931 |
| Noninterest expense to average assets | 2.8747% | 1,194 |
| Loan and lease loss provision to assets | 0.1108% | 1,141 |
| Net operating income to assets | 0.6798% | 3,808 |
| Return on assets (ROA) | 0.6798% | 3,876 |
| Pretax return on assets | 0.8078% | 3,855 |
| Return on Equity (ROE) | 6.8747% | 3,690 |
| Retained earnings to average equity (ytd only) | 5.0428% | 3,167 |
| Net charge-offs to loans | 0.1229% | 633 |
| Credit loss provision to net charge-offs | 120.9677% | 1,254 |
| Earnings coverage of net charge-offs (x) | 10.0323% | 1,815 |
| Efficiency ratio | 75.7851% | 1,104 |
| Assets per employee ($millions) | 4.2205% | 4,314 |
| Cash dividends to net income (ytd only)* | 26.6474% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2183% | 2,828 |
| Loan loss allowance to noncurrent loans | 158.6031% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.6511% | 1,280 |
| Noncurrent loans to loans | 0.7682% | 1,568 |
| Net loans and leases to total assets | 73.0024% | 852 |
| Net loans and leases to deposits | 81.3262% | 1,294 |
| Net loans and leases to core deposits | 85.0982% | 1,487 |
| Total domestic deposits to total assets | 89.7649% | 887 |
| Equity capital to assets | 9.8040% | 3,053 |
| Core capital (leverage) ratio | 9.6413% | 2,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $406,298,667 | 1,983 |
| Average earning assets | $375,202,667 | 1,997 |
| Average equity | $40,176,333 | 2,098 |
| Average total loans | $302,725,333 | 1,731 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3640% | 947 |
| Cost of funding earning assets | 0.6864% | 575 |
| Net interest margin | 3.6776% | 1,385 |
| Noninterest income to average assets | 0.4530% | 2,819 |
| Noninterest expense to average assets | 2.8601% | 1,236 |
| Loan and lease loss provision to assets | 0.0894% | 1,479 |
| Net operating income to assets | 0.7689% | 3,518 |
| Return on assets (ROA) | 0.7689% | 3,589 |
| Pretax return on assets | 0.8941% | 3,615 |
| Return on Equity (ROE) | 7.7420% | 3,405 |
| Retained earnings to average equity (ytd only) | 5.9116% | 2,928 |
| Net charge-offs to loans | 0.1607% | 493 |
| Credit loss provision to net charge-offs | 74.3802% | 1,232 |
| Earnings coverage of net charge-offs (x) | 8.1818% | 1,588 |
| Efficiency ratio | 74.4120% | 1,271 |
| Assets per employee ($millions) | 4.1210% | 4,404 |
| Cash dividends to net income (ytd only)* | 23.6434% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 2,914 |
| Loan loss allowance to noncurrent loans | 112.2236% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 0.8884% | 979 |
| Noncurrent loans to loans | 1.0719% | 1,254 |
| Net loans and leases to total assets | 72.8211% | 919 |
| Net loans and leases to deposits | 80.9503% | 1,429 |
| Net loans and leases to core deposits | 84.4087% | 1,642 |
| Total domestic deposits to total assets | 89.9578% | 837 |
| Equity capital to assets | 9.6877% | 3,018 |
| Core capital (leverage) ratio | 9.8857% | 2,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $402,644,500 | 1,985 |
| Average earning assets | $371,218,500 | 1,995 |
| Average equity | $39,989,500 | 2,089 |
| Average total loans | $301,254,500 | 1,740 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7102% | 878 |
| Cost of funding earning assets | 0.8656% | 971 |
| Net interest margin | 3.8446% | 1,374 |
| Noninterest income to average assets | 0.3149% | 3,582 |
| Noninterest expense to average assets | 3.1669% | 1,116 |
| Loan and lease loss provision to assets | 0.2475% | 1,558 |
| Net operating income to assets | 0.4127% | 4,220 |
| Return on assets (ROA) | 0.4103% | 4,304 |
| Pretax return on assets | 0.4697% | 4,324 |
| Return on Equity (ROE) | 3.7852% | 4,203 |
| Retained earnings to average equity (ytd only) | 1.0629% | 4,205 |
| Net charge-offs to loans | 0.1100% | 1,370 |
| Credit loss provision to net charge-offs | 279.1277% | 1,805 |
| Earnings coverage of net charge-offs (x) | 8.1184% | 2,629 |
| Efficiency ratio | 81.4770% | 780 |
| Assets per employee ($millions) | 3.9319% | 4,420 |
| Cash dividends to net income (ytd only)* | 71.9192% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2334% | 2,780 |
| Loan loss allowance to noncurrent loans | 93.8136% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 1.0316% | 914 |
| Noncurrent loans to loans | 1.3148% | 1,036 |
| Net loans and leases to total assets | 75.0464% | 896 |
| Net loans and leases to deposits | 83.9027% | 1,473 |
| Net loans and leases to core deposits | 87.4289% | 1,751 |
| Total domestic deposits to total assets | 89.4445% | 790 |
| Equity capital to assets | 10.1874% | 2,941 |
| Core capital (leverage) ratio | 10.0067% | 2,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $361,963,000 | 1,997 |
| Average earning assets | $336,291,600 | 1,999 |
| Average equity | $39,232,000 | 2,042 |
| Average total loans | $291,688,400 | 1,715 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8374% | 832 |
| Cost of funding earning assets | 0.9003% | 1,071 |
| Net interest margin | 3.9371% | 1,263 |
| Noninterest income to average assets | 0.2865% | 3,773 |
| Noninterest expense to average assets | 3.0912% | 1,250 |
| Loan and lease loss provision to assets | 0.2527% | 1,606 |
| Net operating income to assets | 0.5292% | 3,957 |
| Return on assets (ROA) | 0.5259% | 4,062 |
| Pretax return on assets | 0.6136% | 4,080 |
| Return on Equity (ROE) | 4.7728% | 3,947 |
| Retained earnings to average equity (ytd only) | 1.8585% | 3,977 |
| Net charge-offs to loans | 0.1324% | 1,086 |
| Credit loss provision to net charge-offs | 232.9861% | 1,988 |
| Earnings coverage of net charge-offs (x) | 8.0243% | 2,530 |
| Efficiency ratio | 78.0365% | 1,032 |
| Assets per employee ($millions) | 3.7066% | 4,552 |
| Cash dividends to net income (ytd only)* | 61.0594% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 2,790 |
| Loan loss allowance to noncurrent loans | 90.6307% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 1.0427% | 1,047 |
| Noncurrent loans to loans | 1.2998% | 1,137 |
| Net loans and leases to total assets | 76.7280% | 998 |
| Net loans and leases to deposits | 85.9795% | 1,713 |
| Net loans and leases to core deposits | 90.3166% | 1,948 |
| Total domestic deposits to total assets | 89.2399% | 670 |
| Equity capital to assets | 10.4524% | 2,833 |
| Core capital (leverage) ratio | 10.2896% | 2,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $354,156,250 | 2,010 |
| Average earning assets | $330,552,750 | 2,003 |
| Average equity | $39,026,000 | 2,044 |
| Average total loans | $289,920,500 | 1,723 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0614% | 742 |
| Cost of funding earning assets | 0.9452% | 1,171 |
| Net interest margin | 4.1162% | 1,081 |
| Noninterest income to average assets | 0.3067% | 3,624 |
| Noninterest expense to average assets | 2.9941% | 1,584 |
| Loan and lease loss provision to assets | 0.2818% | 1,527 |
| Net operating income to assets | 0.7229% | 3,310 |
| Return on assets (ROA) | 0.7195% | 3,428 |
| Pretax return on assets | 0.8645% | 3,418 |
| Return on Equity (ROE) | 6.4080% | 3,363 |
| Retained earnings to average equity (ytd only) | 2.9536% | 3,411 |
| Net charge-offs to loans | 0.1689% | 879 |
| Credit loss provision to net charge-offs | 200.0000% | 1,910 |
| Earnings coverage of net charge-offs (x) | 8.1646% | 2,314 |
| Efficiency ratio | 72.2440% | 1,645 |
| Assets per employee ($millions) | 3.8128% | 4,450 |
| Cash dividends to net income (ytd only)* | 53.9081% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1466% | 2,795 |
| Loan loss allowance to noncurrent loans | 85.4703% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 1.1122% | 1,025 |
| Noncurrent loans to loans | 1.3416% | 1,144 |
| Net loans and leases to total assets | 78.9744% | 727 |
| Net loans and leases to deposits | 88.9902% | 1,452 |
| Net loans and leases to core deposits | 93.2062% | 1,808 |
| Total domestic deposits to total assets | 88.7450% | 845 |
| Equity capital to assets | 10.8364% | 2,472 |
| Core capital (leverage) ratio | 10.8731% | 2,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $344,948,333 | 2,027 |
| Average earning assets | $321,608,333 | 2,015 |
| Average equity | $38,733,000 | 2,051 |
| Average total loans | $287,752,667 | 1,715 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1162% | 771 |
| Cost of funding earning assets | 1.0027% | 1,407 |
| Net interest margin | 4.1135% | 1,109 |
| Noninterest income to average assets | 0.4928% | 2,583 |
| Noninterest expense to average assets | 3.5190% | 910 |
| Loan and lease loss provision to assets | 0.4198% | 720 |
| Net operating income to assets | 0.3387% | 4,261 |
| Return on assets (ROA) | 0.3313% | 4,313 |
| Pretax return on assets | 0.3780% | 4,332 |
| Return on Equity (ROE) | 2.8954% | 4,244 |
| Retained earnings to average equity (ytd only) | -2.1742% | 4,274 |
| Net charge-offs to loans | 0.2803% | 528 |
| Credit loss provision to net charge-offs | 175.5000% | 1,485 |
| Earnings coverage of net charge-offs (x) | 3.3700% | 2,221 |
| Efficiency ratio | 81.3606% | 1,014 |
| Assets per employee ($millions) | 3.3592% | 4,593 |
| Cash dividends to net income (ytd only)* | 175.0903% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1421% | 2,975 |
| Loan loss allowance to noncurrent loans | 89.1471% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 1.1286% | 1,140 |
| Noncurrent loans to loans | 1.2812% | 1,277 |
| Net loans and leases to total assets | 83.1931% | 336 |
| Net loans and leases to deposits | 94.0343% | 1,075 |
| Net loans and leases to core deposits | 98.5841% | 1,578 |
| Total domestic deposits to total assets | 88.4710% | 900 |
| Equity capital to assets | 11.1939% | 2,686 |
| Core capital (leverage) ratio | 11.4849% | 2,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $334,410,000 | 2,023 |
| Average earning assets | $311,559,500 | 2,017 |
| Average equity | $38,267,500 | 2,057 |
| Average total loans | $285,419,500 | 1,691 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9187% | 1,701 |
| Cost of funding earning assets | 0.9810% | 1,809 |
| Net interest margin | 3.9376% | 2,039 |
| Noninterest income to average assets | 0.6763% | 1,896 |
| Noninterest expense to average assets | 3.4220% | 1,075 |
| Loan and lease loss provision to assets | 0.1564% | 1,352 |
| Net operating income to assets | 0.6236% | 4,092 |
| Return on assets (ROA) | 0.6228% | 4,157 |
| Pretax return on assets | 0.7425% | 4,103 |
| Return on Equity (ROE) | 5.3631% | 4,117 |
| Retained earnings to average equity (ytd only) | 2.1913% | 3,902 |
| Net charge-offs to loans | 0.0926% | 1,803 |
| Credit loss provision to net charge-offs | 195.0758% | 1,355 |
| Earnings coverage of net charge-offs (x) | 11.2235% | 2,513 |
| Efficiency ratio | 79.1807% | 1,019 |
| Assets per employee ($millions) | 3.3626% | 4,600 |
| Cash dividends to net income (ytd only)* | 59.1419% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0897% | 3,008 |
| Loan loss allowance to noncurrent loans | 59.7425% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 1.6356% | 584 |
| Noncurrent loans to loans | 1.8239% | 737 |
| Net loans and leases to total assets | 85.6380% | 188 |
| Net loans and leases to deposits | 97.4579% | 802 |
| Net loans and leases to core deposits | 101.9059% | 1,413 |
| Total domestic deposits to total assets | 87.8717% | 1,185 |
| Equity capital to assets | 11.7001% | 2,352 |
| Core capital (leverage) ratio | 11.6657% | 1,985 |
| Tier 1 risk-based capital ratio | 17.7301% | 1,832 |
| Total risk-based capital ratio | 18.9825% | 1,785 |
| Memoranda: | ||
| Average total assets | $329,308,200 | 1,987 |
| Average earning assets | $304,877,800 | 1,994 |
| Average equity | $38,243,000 | 2,000 |
| Average total loans | $285,103,200 | 1,669 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8944% | 1,834 |
| Cost of funding earning assets | 0.9683% | 1,898 |
| Net interest margin | 3.9261% | 2,171 |
| Noninterest income to average assets | 0.6734% | 1,900 |
| Noninterest expense to average assets | 3.3603% | 1,158 |
| Loan and lease loss provision to assets | 0.0668% | 2,549 |
| Net operating income to assets | 0.7439% | 3,866 |
| Return on assets (ROA) | 0.7439% | 3,931 |
| Pretax return on assets | 0.8783% | 3,940 |
| Return on Equity (ROE) | 6.4176% | 3,914 |
| Retained earnings to average equity (ytd only) | 3.9547% | 3,421 |
| Net charge-offs to loans | 0.1006% | 1,469 |
| Credit loss provision to net charge-offs | 76.7442% | 2,543 |
| Earnings coverage of net charge-offs (x) | 10.8558% | 2,471 |
| Efficiency ratio | 78.0474% | 1,101 |
| Assets per employee ($millions) | 3.3497% | 4,628 |
| Cash dividends to net income (ytd only)* | 38.3780% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9830% | 3,668 |
| Loan loss allowance to noncurrent loans | 70.8270% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 1.2800% | 954 |
| Noncurrent loans to loans | 1.3880% | 1,102 |
| Net loans and leases to total assets | 86.1895% | 180 |
| Net loans and leases to deposits | 98.4968% | 767 |
| Net loans and leases to core deposits | 103.4028% | 1,379 |
| Total domestic deposits to total assets | 87.5049% | 1,251 |
| Equity capital to assets | 11.8335% | 2,388 |
| Core capital (leverage) ratio | 11.8259% | 1,983 |
| Tier 1 risk-based capital ratio | 17.8642% | 1,860 |
| Total risk-based capital ratio | 19.1147% | 1,804 |
| Memoranda: | ||
| Average total assets | $329,251,250 | 1,998 |
| Average earning assets | $304,584,250 | 2,005 |
| Average equity | $38,164,750 | 2,019 |
| Average total loans | $285,049,750 | 1,680 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8576% | 1,883 |
| Cost of funding earning assets | 0.9520% | 1,899 |
| Net interest margin | 3.9055% | 2,225 |
| Noninterest income to average assets | 0.6669% | 1,848 |
| Noninterest expense to average assets | 3.3206% | 1,243 |
| Loan and lease loss provision to assets | 0.0455% | 2,906 |
| Net operating income to assets | 0.7525% | 3,817 |
| Return on assets (ROA) | 0.7525% | 3,880 |
| Pretax return on assets | 0.9030% | 3,836 |
| Return on Equity (ROE) | 6.5370% | 3,863 |
| Retained earnings to average equity (ytd only) | 2.8204% | 3,800 |
| Net charge-offs to loans | 0.0442% | 2,015 |
| Credit loss provision to net charge-offs | 119.0476% | 1,748 |
| Earnings coverage of net charge-offs (x) | 24.8095% | 1,619 |
| Efficiency ratio | 77.7825% | 1,183 |
| Assets per employee ($millions) | 3.2435% | 4,745 |
| Cash dividends to net income (ytd only)* | 56.8548% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0084% | 3,571 |
| Loan loss allowance to noncurrent loans | 75.1374% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 1.2015% | 1,098 |
| Noncurrent loans to loans | 1.3421% | 1,159 |
| Net loans and leases to total assets | 86.0310% | 213 |
| Net loans and leases to deposits | 98.7443% | 770 |
| Net loans and leases to core deposits | 103.2870% | 1,442 |
| Total domestic deposits to total assets | 87.1250% | 1,536 |
| Equity capital to assets | 11.6707% | 2,470 |
| Core capital (leverage) ratio | 11.7012% | 2,021 |
| Tier 1 risk-based capital ratio | 17.8889% | 1,834 |
| Total risk-based capital ratio | 19.1402% | 1,785 |
| Memoranda: | ||
| Average total assets | $329,577,670 | 2,005 |
| Average earning assets | $303,979,330 | 2,014 |
| Average equity | $37,937,670 | 2,023 |
| Average total loans | $284,818,000 | 1,691 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7661% | 2,008 |
| Cost of funding earning assets | 0.9262% | 1,896 |
| Net interest margin | 3.8399% | 2,378 |
| Noninterest income to average assets | 0.6292% | 1,916 |
| Noninterest expense to average assets | 3.1969% | 1,495 |
| Loan and lease loss provision to assets | 0.0908% | 1,898 |
| Net operating income to assets | 0.7442% | 3,790 |
| Return on assets (ROA) | 0.7442% | 3,839 |
| Pretax return on assets | 0.8882% | 3,804 |
| Return on Equity (ROE) | 6.5096% | 3,840 |
| Retained earnings to average equity (ytd only) | 4.5302% | 3,110 |
| Net charge-offs to loans | 0.0393% | 1,712 |
| Credit loss provision to net charge-offs | 267.8571% | 885 |
| Earnings coverage of net charge-offs (x) | 28.8929% | 1,353 |
| Efficiency ratio | 76.5575% | 1,443 |
| Assets per employee ($millions) | 3.3853% | 4,666 |
| Cash dividends to net income (ytd only)* | 30.4065% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0187% | 3,590 |
| Loan loss allowance to noncurrent loans | 69.0261% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 1.2886% | 1,021 |
| Noncurrent loans to loans | 1.4758% | 1,095 |
| Net loans and leases to total assets | 85.1124% | 266 |
| Net loans and leases to deposits | 98.0043% | 787 |
| Net loans and leases to core deposits | 102.2913% | 1,436 |
| Total domestic deposits to total assets | 86.8456% | 1,886 |
| Equity capital to assets | 11.4662% | 2,426 |
| Core capital (leverage) ratio | 11.6103% | 2,043 |
| Tier 1 risk-based capital ratio | 17.7891% | 1,856 |
| Total risk-based capital ratio | 19.0406% | 1,812 |
| Memoranda: | ||
| Average total assets | $330,572,000 | 2,019 |
| Average earning assets | $305,322,000 | 2,021 |
| Average equity | $37,790,500 | 2,025 |
| Average total loans | $284,877,500 | 1,695 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7669% | 1,616 |
| Cost of funding earning assets | 0.8385% | 1,349 |
| Net interest margin | 3.9284% | 2,234 |
| Noninterest income to average assets | 0.6385% | 2,107 |
| Noninterest expense to average assets | 3.1692% | 1,631 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8867% | 3,473 |
| Return on assets (ROA) | 0.8867% | 3,470 |
| Pretax return on assets | 1.0811% | 3,341 |
| Return on Equity (ROE) | 8.0194% | 3,432 |
| Retained earnings to average equity (ytd only) | 5.7637% | 2,313 |
| Net charge-offs to loans | 0.1047% | 1,711 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 12.0404% | 2,573 |
| Efficiency ratio | 74.5643% | 1,556 |
| Assets per employee ($millions) | 3.3611% | 4,694 |
| Cash dividends to net income (ytd only)* | 28.1282% | 3,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0050% | 3,654 |
| Loan loss allowance to noncurrent loans | 88.5962% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 1.0000% | 1,373 |
| Noncurrent loans to loans | 1.1343% | 1,412 |
| Net loans and leases to total assets | 85.4993% | 269 |
| Net loans and leases to deposits | 98.6216% | 841 |
| Net loans and leases to core deposits | 103.1020% | 1,500 |
| Total domestic deposits to total assets | 86.6943% | 1,918 |
| Equity capital to assets | 11.3973% | 2,334 |
| Core capital (leverage) ratio | 11.4379% | 2,149 |
| Tier 1 risk-based capital ratio | 17.7279% | 1,837 |
| Total risk-based capital ratio | 18.9791% | 1,791 |
| Memoranda: | ||
| Average total assets | $330,773,600 | 1,986 |
| Average earning assets | $304,120,800 | 2,001 |
| Average equity | $36,573,600 | 2,006 |
| Average total loans | $283,768,200 | 1,661 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7333% | 1,590 |
| Cost of funding earning assets | 0.8226% | 1,226 |
| Net interest margin | 3.9106% | 2,260 |
| Noninterest income to average assets | 0.6277% | 2,176 |
| Noninterest expense to average assets | 3.1053% | 1,760 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9124% | 3,469 |
| Return on assets (ROA) | 0.9124% | 3,477 |
| Pretax return on assets | 1.1077% | 3,368 |
| Return on Equity (ROE) | 8.3158% | 3,411 |
| Retained earnings to average equity (ytd only) | 6.4331% | 2,417 |
| Net charge-offs to loans | 0.0602% | 1,961 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 21.4925% | 1,919 |
| Efficiency ratio | 73.7073% | 1,638 |
| Assets per employee ($millions) | 3.5047% | 4,561 |
| Cash dividends to net income (ytd only)* | 22.6389% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0664% | 3,376 |
| Loan loss allowance to noncurrent loans | 101.6107% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 0.9046% | 1,634 |
| Noncurrent loans to loans | 1.0495% | 1,622 |
| Net loans and leases to total assets | 85.2711% | 333 |
| Net loans and leases to deposits | 97.4526% | 1,002 |
| Net loans and leases to core deposits | 102.2975% | 1,581 |
| Total domestic deposits to total assets | 87.5000% | 1,487 |
| Equity capital to assets | 11.2700% | 2,413 |
| Core capital (leverage) ratio | 11.1954% | 2,420 |
| Tier 1 risk-based capital ratio | 17.0222% | 2,107 |
| Total risk-based capital ratio | 18.2739% | 2,046 |
| Memoranda: | ||
| Average total assets | $331,120,750 | 1,994 |
| Average earning assets | $303,574,250 | 2,015 |
| Average equity | $36,331,750 | 2,018 |
| Average total loans | $283,590,000 | 1,674 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6751% | 1,569 |
| Cost of funding earning assets | 0.7884% | 1,182 |
| Net interest margin | 3.8867% | 2,250 |
| Noninterest income to average assets | 0.6097% | 2,270 |
| Noninterest expense to average assets | 3.0496% | 1,906 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9209% | 3,365 |
| Return on assets (ROA) | 0.9209% | 3,367 |
| Pretax return on assets | 1.1157% | 3,250 |
| Return on Equity (ROE) | 8.4720% | 3,278 |
| Retained earnings to average equity (ytd only) | 6.5745% | 2,268 |
| Net charge-offs to loans | 0.0423% | 2,018 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 30.8333% | 1,475 |
| Efficiency ratio | 73.2156% | 1,815 |
| Assets per employee ($millions) | 3.4342% | 4,683 |
| Cash dividends to net income (ytd only)* | 22.3969% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0954% | 3,292 |
| Loan loss allowance to noncurrent loans | 102.3810% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 0.8985% | 1,672 |
| Noncurrent loans to loans | 1.0699% | 1,651 |
| Net loans and leases to total assets | 83.0595% | 572 |
| Net loans and leases to deposits | 95.7267% | 1,173 |
| Net loans and leases to core deposits | 100.4412% | 1,698 |
| Total domestic deposits to total assets | 86.7674% | 1,942 |
| Equity capital to assets | 10.8874% | 2,743 |
| Core capital (leverage) ratio | 11.0712% | 2,464 |
| Tier 1 risk-based capital ratio | 16.6847% | 2,201 |
| Total risk-based capital ratio | 17.9366% | 2,150 |
| Memoranda: | ||
| Average total assets | $331,644,670 | 2,000 |
| Average earning assets | $303,393,000 | 2,030 |
| Average equity | $36,048,330 | 2,030 |
| Average total loans | $283,471,670 | 1,674 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6367% | 1,474 |
| Cost of funding earning assets | 0.7651% | 1,124 |
| Net interest margin | 3.8717% | 2,149 |
| Noninterest income to average assets | 0.5954% | 2,282 |
| Noninterest expense to average assets | 3.1837% | 1,603 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7935% | 3,730 |
| Return on assets (ROA) | 0.7935% | 3,736 |
| Pretax return on assets | 0.9600% | 3,666 |
| Return on Equity (ROE) | 7.3079% | 3,662 |
| Retained earnings to average equity (ytd only) | 7.3079% | 2,146 |
| Net charge-offs to loans | 0.0254% | 1,998 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 43.8889% | 1,015 |
| Efficiency ratio | 76.8328% | 1,480 |
| Assets per employee ($millions) | 3.3507% | 4,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1049% | 3,345 |
| Loan loss allowance to noncurrent loans | 120.4607% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 0.8001% | 1,977 |
| Noncurrent loans to loans | 0.9172% | 1,986 |
| Net loans and leases to total assets | 84.6730% | 370 |
| Net loans and leases to deposits | 97.5413% | 906 |
| Net loans and leases to core deposits | 102.5544% | 1,478 |
| Total domestic deposits to total assets | 86.8074% | 2,201 |
| Equity capital to assets | 10.8596% | 2,715 |
| Core capital (leverage) ratio | 11.0892% | 2,340 |
| Tier 1 risk-based capital ratio | 17.1895% | 2,062 |
| Total risk-based capital ratio | 18.4423% | 2,016 |
| Memoranda: | ||
| Average total assets | $329,180,000 | 2,022 |
| Average earning assets | $301,677,000 | 2,049 |
| Average equity | $35,742,000 | 2,059 |
| Average total loans | $283,889,000 | 1,682 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7738% | 1,022 |
| Cost of funding earning assets | 0.7448% | 839 |
| Net interest margin | 4.0289% | 1,662 |
| Noninterest income to average assets | 0.5658% | 2,625 |
| Noninterest expense to average assets | 3.1298% | 1,776 |
| Loan and lease loss provision to assets | 0.0231% | 3,838 |
| Net operating income to assets | 0.6900% | 3,638 |
| Return on assets (ROA) | 0.6900% | 3,694 |
| Pretax return on assets | 1.0972% | 3,195 |
| Return on Equity (ROE) | 6.4381% | 3,559 |
| Retained earnings to average equity (ytd only) | 4.2060% | 2,643 |
| Net charge-offs to loans | 0.0990% | 2,087 |
| Credit loss provision to net charge-offs | 27.2727% | 3,558 |
| Earnings coverage of net charge-offs (x) | 13.2473% | 2,413 |
| Efficiency ratio | 73.6416% | 1,956 |
| Assets per employee ($millions) | 3.3331% | 4,906 |
| Cash dividends to net income (ytd only)* | 34.6702% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1122% | 3,278 |
| Loan loss allowance to noncurrent loans | 136.5052% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.7396% | 2,117 |
| Noncurrent loans to loans | 0.8148% | 2,172 |
| Net loans and leases to total assets | 85.9070% | 261 |
| Net loans and leases to deposits | 98.2115% | 886 |
| Net loans and leases to core deposits | 103.4705% | 1,448 |
| Total domestic deposits to total assets | 87.4714% | 1,781 |
| Equity capital to assets | 10.8562% | 2,775 |
| Core capital (leverage) ratio | 10.9668% | 2,372 |
| Tier 1 risk-based capital ratio | 17.0567% | 2,072 |
| Total risk-based capital ratio | 18.3098% | 2,026 |
| Memoranda: | ||
| Average total assets | $325,201,600 | 2,036 |
| Average earning assets | $297,375,400 | 2,055 |
| Average equity | $34,855,000 | 2,091 |
| Average total loans | $277,813,000 | 1,669 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7396% | 1,055 |
| Cost of funding earning assets | 0.7491% | 762 |
| Net interest margin | 3.9906% | 1,728 |
| Noninterest income to average assets | 0.5598% | 2,671 |
| Noninterest expense to average assets | 3.1202% | 1,749 |
| Loan and lease loss provision to assets | 0.0308% | 3,504 |
| Net operating income to assets | 0.7569% | 3,709 |
| Return on assets (ROA) | 0.7569% | 3,769 |
| Pretax return on assets | 1.0561% | 3,471 |
| Return on Equity (ROE) | 7.0846% | 3,610 |
| Retained earnings to average equity (ytd only) | 5.2904% | 2,695 |
| Net charge-offs to loans | 0.1076% | 1,712 |
| Credit loss provision to net charge-offs | 33.6323% | 3,055 |
| Earnings coverage of net charge-offs (x) | 11.8743% | 2,469 |
| Efficiency ratio | 74.1659% | 1,869 |
| Assets per employee ($millions) | 3.2599% | 5,002 |
| Cash dividends to net income (ytd only)* | 25.3253% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 3,283 |
| Loan loss allowance to noncurrent loans | 126.9992% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 0.7994% | 2,145 |
| Noncurrent loans to loans | 0.8931% | 2,143 |
| Net loans and leases to total assets | 85.7809% | 269 |
| Net loans and leases to deposits | 97.8837% | 931 |
| Net loans and leases to core deposits | 103.0901% | 1,460 |
| Total domestic deposits to total assets | 87.6355% | 1,557 |
| Equity capital to assets | 10.8724% | 2,990 |
| Core capital (leverage) ratio | 11.0089% | 2,451 |
| Tier 1 risk-based capital ratio | 16.8848% | 2,186 |
| Total risk-based capital ratio | 18.1382% | 2,144 |
| Memoranda: | ||
| Average total assets | $324,841,000 | 2,054 |
| Average earning assets | $296,892,500 | 2,070 |
| Average equity | $34,703,500 | 2,108 |
| Average total loans | $276,324,750 | 1,682 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7213% | 1,015 |
| Cost of funding earning assets | 0.7634% | 640 |
| Net interest margin | 3.9579% | 1,745 |
| Noninterest income to average assets | 0.5455% | 2,742 |
| Noninterest expense to average assets | 3.0888% | 1,864 |
| Loan and lease loss provision to assets | 0.0462% | 3,064 |
| Net operating income to assets | 0.7323% | 3,694 |
| Return on assets (ROA) | 0.7323% | 3,761 |
| Pretax return on assets | 1.0183% | 3,492 |
| Return on Equity (ROE) | 6.8956% | 3,609 |
| Retained earnings to average equity (ytd only) | 5.0904% | 2,648 |
| Net charge-offs to loans | 0.0744% | 1,877 |
| Credit loss provision to net charge-offs | 73.5294% | 2,340 |
| Earnings coverage of net charge-offs (x) | 16.9314% | 1,951 |
| Efficiency ratio | 74.3692% | 1,946 |
| Assets per employee ($millions) | 3.2391% | 5,048 |
| Cash dividends to net income (ytd only)* | 26.1785% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1979% | 3,029 |
| Loan loss allowance to noncurrent loans | 133.8023% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.7681% | 2,290 |
| Noncurrent loans to loans | 0.8953% | 2,185 |
| Net loans and leases to total assets | 84.7650% | 366 |
| Net loans and leases to deposits | 96.4604% | 1,034 |
| Net loans and leases to core deposits | 102.2771% | 1,488 |
| Total domestic deposits to total assets | 87.8754% | 1,522 |
| Equity capital to assets | 10.7773% | 3,050 |
| Core capital (leverage) ratio | 10.8559% | 2,546 |
| Tier 1 risk-based capital ratio | 16.8456% | 2,193 |
| Total risk-based capital ratio | 18.1001% | 2,154 |
| Memoranda: | ||
| Average total assets | $324,458,000 | 2,054 |
| Average earning assets | $295,763,000 | 2,084 |
| Average equity | $34,457,000 | 2,116 |
| Average total loans | $274,151,330 | 1,695 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6864% | 960 |
| Cost of funding earning assets | 0.7781% | 556 |
| Net interest margin | 3.9082% | 1,747 |
| Noninterest income to average assets | 0.5210% | 2,832 |
| Noninterest expense to average assets | 3.1780% | 1,671 |
| Loan and lease loss provision to assets | 0.0924% | 1,998 |
| Net operating income to assets | 0.5925% | 4,194 |
| Return on assets (ROA) | 0.5925% | 4,241 |
| Pretax return on assets | 0.8081% | 4,082 |
| Return on Equity (ROE) | 5.6206% | 4,075 |
| Retained earnings to average equity (ytd only) | 3.7977% | 3,551 |
| Net charge-offs to loans | 0.0735% | 1,596 |
| Credit loss provision to net charge-offs | 150.0000% | 1,207 |
| Earnings coverage of net charge-offs (x) | 14.6200% | 1,714 |
| Efficiency ratio | 77.9221% | 1,638 |
| Assets per employee ($millions) | 3.2030% | 5,158 |
| Cash dividends to net income (ytd only)* | 32.4324% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2332% | 2,920 |
| Loan loss allowance to noncurrent loans | 140.7577% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.7361% | 2,459 |
| Noncurrent loans to loans | 0.8761% | 2,282 |
| Net loans and leases to total assets | 82.8851% | 473 |
| Net loans and leases to deposits | 93.9145% | 1,113 |
| Net loans and leases to core deposits | 99.4802% | 1,548 |
| Total domestic deposits to total assets | 88.2559% | 1,556 |
| Equity capital to assets | 10.5029% | 3,186 |
| Core capital (leverage) ratio | 10.6769% | 2,710 |
| Tier 1 risk-based capital ratio | 16.9939% | 2,181 |
| Total risk-based capital ratio | 18.2492% | 2,136 |
| Memoranda: | ||
| Average total assets | $324,731,000 | 2,068 |
| Average earning assets | $295,581,000 | 2,099 |
| Average equity | $34,231,000 | 2,133 |
| Average total loans | $272,280,500 | 1,716 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8166% | 862 |
| Cost of funding earning assets | 0.8893% | 318 |
| Net interest margin | 3.9273% | 1,869 |
| Noninterest income to average assets | 0.5418% | 2,967 |
| Noninterest expense to average assets | 2.9164% | 2,618 |
| Loan and lease loss provision to assets | 0.2431% | 870 |
| Net operating income to assets | 0.6989% | 3,790 |
| Return on assets (ROA) | 0.6989% | 3,894 |
| Pretax return on assets | 0.9778% | 3,547 |
| Return on Equity (ROE) | 6.7114% | 3,636 |
| Retained earnings to average equity (ytd only) | 4.4034% | 2,782 |
| Net charge-offs to loans | 0.1135% | 2,125 |
| Credit loss provision to net charge-offs | 253.2468% | 1,141 |
| Earnings coverage of net charge-offs (x) | 12.7175% | 2,427 |
| Efficiency ratio | 70.4890% | 2,829 |
| Assets per employee ($millions) | 3.1642% | 5,203 |
| Cash dividends to net income (ytd only)* | 34.3889% | 3,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2412% | 2,870 |
| Loan loss allowance to noncurrent loans | 133.9721% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 0.7830% | 2,393 |
| Noncurrent loans to loans | 0.9264% | 2,241 |
| Net loans and leases to total assets | 82.7354% | 513 |
| Net loans and leases to deposits | 93.7724% | 1,219 |
| Net loans and leases to core deposits | 99.8250% | 1,638 |
| Total domestic deposits to total assets | 88.2300% | 1,517 |
| Equity capital to assets | 10.5802% | 3,064 |
| Core capital (leverage) ratio | 10.5150% | 2,866 |
| Tier 1 risk-based capital ratio | 17.3275% | 2,055 |
| Total risk-based capital ratio | 18.5836% | 2,011 |
| Memoranda: | ||
| Average total assets | $320,811,400 | 2,055 |
| Average earning assets | $293,713,400 | 2,079 |
| Average equity | $33,406,000 | 2,158 |
| Average total loans | $271,338,400 | 1,668 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8138% | 872 |
| Cost of funding earning assets | 0.9029% | 292 |
| Net interest margin | 3.9109% | 1,935 |
| Noninterest income to average assets | 0.5498% | 2,918 |
| Noninterest expense to average assets | 2.9207% | 2,574 |
| Loan and lease loss provision to assets | 0.2435% | 785 |
| Net operating income to assets | 0.6976% | 3,862 |
| Return on assets (ROA) | 0.6976% | 3,991 |
| Pretax return on assets | 0.9698% | 3,739 |
| Return on Equity (ROE) | 6.7266% | 3,709 |
| Retained earnings to average equity (ytd only) | 4.5072% | 3,130 |
| Net charge-offs to loans | 0.1257% | 1,706 |
| Credit loss provision to net charge-offs | 228.5156% | 1,292 |
| Earnings coverage of net charge-offs (x) | 11.3869% | 2,488 |
| Efficiency ratio | 70.6504% | 2,800 |
| Assets per employee ($millions) | 3.1585% | 5,229 |
| Cash dividends to net income (ytd only)* | 32.9950% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 3,365 |
| Loan loss allowance to noncurrent loans | 137.6607% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.7694% | 2,625 |
| Noncurrent loans to loans | 0.8581% | 2,539 |
| Net loans and leases to total assets | 82.6179% | 554 |
| Net loans and leases to deposits | 93.7257% | 1,287 |
| Net loans and leases to core deposits | 100.0100% | 1,633 |
| Total domestic deposits to total assets | 88.1486% | 1,328 |
| Equity capital to assets | 10.4003% | 3,676 |
| Core capital (leverage) ratio | 10.4266% | 3,079 |
| Tier 1 risk-based capital ratio | 16.9929% | 2,230 |
| Total risk-based capital ratio | 18.2474% | 2,186 |
| Memoranda: | ||
| Average total assets | $320,326,000 | 2,058 |
| Average earning assets | $293,565,250 | 2,088 |
| Average equity | $33,220,500 | 2,181 |
| Average total loans | $271,576,250 | 1,663 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8072% | 870 |
| Cost of funding earning assets | 0.9141% | 271 |
| Net interest margin | 3.8932% | 1,999 |
| Noninterest income to average assets | 0.5485% | 2,907 |
| Noninterest expense to average assets | 2.8827% | 2,734 |
| Loan and lease loss provision to assets | 0.2448% | 803 |
| Net operating income to assets | 0.6960% | 3,808 |
| Return on assets (ROA) | 0.6960% | 3,964 |
| Pretax return on assets | 1.0004% | 3,583 |
| Return on Equity (ROE) | 6.7180% | 3,687 |
| Retained earnings to average equity (ytd only) | 4.2162% | 3,227 |
| Net charge-offs to loans | 0.1481% | 1,442 |
| Credit loss provision to net charge-offs | 194.0299% | 1,329 |
| Earnings coverage of net charge-offs (x) | 9.8706% | 2,374 |
| Efficiency ratio | 69.8343% | 3,007 |
| Assets per employee ($millions) | 3.1332% | 5,290 |
| Cash dividends to net income (ytd only)* | 37.2408% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1328% | 3,768 |
| Loan loss allowance to noncurrent loans | 146.8929% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.7093% | 2,848 |
| Noncurrent loans to loans | 0.7712% | 2,819 |
| Net loans and leases to total assets | 83.1093% | 502 |
| Net loans and leases to deposits | 94.3723% | 1,250 |
| Net loans and leases to core deposits | 100.5998% | 1,592 |
| Total domestic deposits to total assets | 88.0654% | 1,399 |
| Equity capital to assets | 10.3478% | 3,799 |
| Core capital (leverage) ratio | 10.3031% | 3,194 |
| Tier 1 risk-based capital ratio | 16.8706% | 2,272 |
| Total risk-based capital ratio | 18.1243% | 2,222 |
| Memoranda: | ||
| Average total assets | $318,658,670 | 2,083 |
| Average earning assets | $292,975,670 | 2,098 |
| Average equity | $33,015,670 | 2,197 |
| Average total loans | $271,437,670 | 1,662 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8378% | 786 |
| Cost of funding earning assets | 0.9276% | 250 |
| Net interest margin | 3.9102% | 1,907 |
| Noninterest income to average assets | 0.5104% | 3,048 |
| Noninterest expense to average assets | 3.0370% | 2,280 |
| Loan and lease loss provision to assets | 0.2463% | 723 |
| Net operating income to assets | 0.5533% | 4,402 |
| Return on assets (ROA) | 0.5533% | 4,504 |
| Pretax return on assets | 0.8376% | 4,070 |
| Return on Equity (ROE) | 5.3372% | 4,320 |
| Retained earnings to average equity (ytd only) | 3.7287% | 3,626 |
| Net charge-offs to loans | 0.1252% | 1,356 |
| Credit loss provision to net charge-offs | 229.4118% | 996 |
| Earnings coverage of net charge-offs (x) | 10.0941% | 1,944 |
| Efficiency ratio | 73.6971% | 2,528 |
| Assets per employee ($millions) | 3.2030% | 5,281 |
| Cash dividends to net income (ytd only)* | 30.1370% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 4,017 |
| Loan loss allowance to noncurrent loans | 134.2601% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.7696% | 2,774 |
| Noncurrent loans to loans | 0.8238% | 2,778 |
| Net loans and leases to total assets | 83.5765% | 408 |
| Net loans and leases to deposits | 94.5551% | 1,090 |
| Net loans and leases to core deposits | 100.5794% | 1,440 |
| Total domestic deposits to total assets | 88.3893% | 1,415 |
| Equity capital to assets | 10.3151% | 3,727 |
| Core capital (leverage) ratio | 10.3738% | 3,104 |
| Tier 1 risk-based capital ratio | 16.8669% | 2,338 |
| Total risk-based capital ratio | 18.1206% | 2,279 |
| Memoranda: | ||
| Average total assets | $316,630,000 | 2,102 |
| Average earning assets | $292,366,000 | 2,109 |
| Average equity | $32,826,500 | 2,208 |
| Average total loans | $271,516,500 | 1,659 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9864% | 642 |
| Cost of funding earning assets | 0.9973% | 180 |
| Net interest margin | 3.9891% | 1,750 |
| Noninterest income to average assets | 0.5266% | 3,159 |
| Noninterest expense to average assets | 2.8783% | 2,934 |
| Loan and lease loss provision to assets | 0.2464% | 776 |
| Net operating income to assets | 0.7644% | 3,499 |
| Return on assets (ROA) | 0.7644% | 3,587 |
| Pretax return on assets | 1.0800% | 3,155 |
| Return on Equity (ROE) | 7.5790% | 3,200 |
| Retained earnings to average equity (ytd only) | 5.1237% | 2,333 |
| Net charge-offs to loans | 0.4211% | 672 |
| Credit loss provision to net charge-offs | 67.2414% | 3,170 |
| Earnings coverage of net charge-offs (x) | 3.6198% | 3,694 |
| Efficiency ratio | 68.4547% | 3,483 |
| Assets per employee ($millions) | 3.0385% | 5,490 |
| Cash dividends to net income (ytd only)* | 32.3967% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0590% | 4,265 |
| Loan loss allowance to noncurrent loans | 125.1193% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.7870% | 2,708 |
| Noncurrent loans to loans | 0.8464% | 2,673 |
| Net loans and leases to total assets | 86.1002% | 225 |
| Net loans and leases to deposits | 97.4825% | 863 |
| Net loans and leases to core deposits | 103.3586% | 1,270 |
| Total domestic deposits to total assets | 88.3238% | 1,463 |
| Equity capital to assets | 10.4211% | 3,456 |
| Core capital (leverage) ratio | 10.3278% | 3,129 |
| Tier 1 risk-based capital ratio | 16.8021% | 2,361 |
| Total risk-based capital ratio | 18.0550% | 2,311 |
| Memoranda: | ||
| Average total assets | $316,578,000 | 2,062 |
| Average earning assets | $291,896,800 | 2,065 |
| Average equity | $31,930,200 | 2,205 |
| Average total loans | $275,462,200 | 1,591 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9917% | 628 |
| Cost of funding earning assets | 1.0107% | 170 |
| Net interest margin | 3.9809% | 1,763 |
| Noninterest income to average assets | 0.5161% | 3,253 |
| Noninterest expense to average assets | 2.7302% | 3,458 |
| Loan and lease loss provision to assets | 0.2457% | 705 |
| Net operating income to assets | 0.8450% | 3,191 |
| Return on assets (ROA) | 0.8450% | 3,281 |
| Pretax return on assets | 1.2107% | 2,780 |
| Return on Equity (ROE) | 8.4467% | 2,848 |
| Retained earnings to average equity (ytd only) | 6.4861% | 1,967 |
| Net charge-offs to loans | 0.1935% | 1,316 |
| Credit loss provision to net charge-offs | 145.8853% | 1,719 |
| Earnings coverage of net charge-offs (x) | 8.6484% | 2,783 |
| Efficiency ratio | 65.2122% | 4,029 |
| Assets per employee ($millions) | 3.1196% | 5,406 |
| Cash dividends to net income (ytd only)* | 23.2107% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2553% | 3,337 |
| Loan loss allowance to noncurrent loans | 115.5496% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 0.9699% | 2,424 |
| Noncurrent loans to loans | 1.0863% | 2,312 |
| Net loans and leases to total assets | 86.0857% | 226 |
| Net loans and leases to deposits | 97.7124% | 839 |
| Net loans and leases to core deposits | 103.3985% | 1,271 |
| Total domestic deposits to total assets | 88.1011% | 1,500 |
| Equity capital to assets | 10.3444% | 3,763 |
| Core capital (leverage) ratio | 10.3154% | 3,236 |
| Tier 1 risk-based capital ratio | 16.5933% | 2,528 |
| Total risk-based capital ratio | 17.8497% | 2,482 |
| Memoranda: | ||
| Average total assets | $317,482,000 | 2,071 |
| Average earning assets | $292,721,000 | 2,076 |
| Average equity | $31,759,250 | 2,229 |
| Average total loans | $276,241,500 | 1,594 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9796% | 613 |
| Cost of funding earning assets | 1.0391% | 137 |
| Net interest margin | 3.9405% | 1,855 |
| Noninterest income to average assets | 0.5159% | 3,260 |
| Noninterest expense to average assets | 2.7447% | 3,430 |
| Loan and lease loss provision to assets | 0.2451% | 725 |
| Net operating income to assets | 0.8075% | 3,343 |
| Return on assets (ROA) | 0.8075% | 3,446 |
| Pretax return on assets | 1.1600% | 2,938 |
| Return on Equity (ROE) | 8.1636% | 2,957 |
| Retained earnings to average equity (ytd only) | 6.1814% | 2,127 |
| Net charge-offs to loans | 0.1937% | 1,293 |
| Credit loss provision to net charge-offs | 145.5224% | 1,564 |
| Earnings coverage of net charge-offs (x) | 8.3433% | 2,571 |
| Efficiency ratio | 66.1417% | 3,982 |
| Assets per employee ($millions) | 3.0105% | 5,585 |
| Cash dividends to net income (ytd only)* | 24.2802% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2300% | 3,623 |
| Loan loss allowance to noncurrent loans | 117.7330% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 0.9834% | 2,557 |
| Noncurrent loans to loans | 1.0447% | 2,555 |
| Net loans and leases to total assets | 86.8450% | 190 |
| Net loans and leases to deposits | 97.2784% | 856 |
| Net loans and leases to core deposits | 102.6708% | 1,282 |
| Total domestic deposits to total assets | 89.2746% | 1,013 |
| Equity capital to assets | 10.2211% | 3,784 |
| Core capital (leverage) ratio | 10.0944% | 3,470 |
| Tier 1 risk-based capital ratio | 15.7833% | 2,965 |
| Total risk-based capital ratio | 17.0387% | 2,919 |
| Memoranda: | ||
| Average total assets | $318,283,000 | 2,085 |
| Average earning assets | $293,517,670 | 2,084 |
| Average equity | $31,481,330 | 2,248 |
| Average total loans | $276,760,000 | 1,588 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9608% | 612 |
| Cost of funding earning assets | 1.0820% | 111 |
| Net interest margin | 3.8789% | 1,968 |
| Noninterest income to average assets | 0.5086% | 3,226 |
| Noninterest expense to average assets | 2.5929% | 3,965 |
| Loan and lease loss provision to assets | 0.2431% | 689 |
| Net operating income to assets | 0.8352% | 3,084 |
| Return on assets (ROA) | 0.8352% | 3,210 |
| Pretax return on assets | 1.2478% | 2,481 |
| Return on Equity (ROE) | 8.5838% | 2,651 |
| Retained earnings to average equity (ytd only) | 6.5852% | 2,200 |
| Net charge-offs to loans | 0.0923% | 1,798 |
| Credit loss provision to net charge-offs | 304.6875% | 794 |
| Earnings coverage of net charge-offs (x) | 18.6875% | 1,479 |
| Efficiency ratio | 63.4921% | 4,556 |
| Assets per employee ($millions) | 3.0721% | 5,580 |
| Cash dividends to net income (ytd only)* | 23.2836% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2288% | 3,791 |
| Loan loss allowance to noncurrent loans | 114.5798% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 1.0028% | 2,622 |
| Noncurrent loans to loans | 1.0725% | 2,616 |
| Net loans and leases to total assets | 85.4102% | 225 |
| Net loans and leases to deposits | 95.4931% | 867 |
| Net loans and leases to core deposits | 101.0524% | 1,253 |
| Total domestic deposits to total assets | 89.4412% | 1,026 |
| Equity capital to assets | 9.8530% | 4,323 |
| Core capital (leverage) ratio | 9.8062% | 3,881 |
| Tier 1 risk-based capital ratio | 15.3565% | 3,223 |
| Total risk-based capital ratio | 16.6114% | 3,152 |
| Memoranda: | ||
| Average total assets | $320,880,000 | 2,083 |
| Average earning assets | $295,757,500 | 2,080 |
| Average equity | $31,221,500 | 2,279 |
| Average total loans | $277,496,000 | 1,570 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1362% | 587 |
| Cost of funding earning assets | 1.2192% | 77 |
| Net interest margin | 3.9170% | 2,167 |
| Noninterest income to average assets | 0.4998% | 3,515 |
| Noninterest expense to average assets | 2.8308% | 3,377 |
| Loan and lease loss provision to assets | 0.2449% | 941 |
| Net operating income to assets | 0.7309% | 3,725 |
| Return on assets (ROA) | 0.7309% | 3,838 |
| Pretax return on assets | 1.0283% | 3,390 |
| Return on Equity (ROE) | 7.7010% | 3,274 |
| Retained earnings to average equity (ytd only) | 5.5376% | 2,239 |
| Net charge-offs to loans | 0.3232% | 1,368 |
| Credit loss provision to net charge-offs | 86.4745% | 2,723 |
| Earnings coverage of net charge-offs (x) | 4.4956% | 3,638 |
| Efficiency ratio | 68.9771% | 3,716 |
| Assets per employee ($millions) | 2.6633% | 6,049 |
| Cash dividends to net income (ytd only)* | 28.0928% | 3,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1707% | 4,165 |
| Loan loss allowance to noncurrent loans | 117.7553% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 1.0045% | 2,741 |
| Noncurrent loans to loans | 0.9942% | 2,840 |
| Net loans and leases to total assets | 85.4739% | 243 |
| Net loans and leases to deposits | 95.2067% | 971 |
| Net loans and leases to core deposits | 101.7600% | 1,263 |
| Total domestic deposits to total assets | 89.7773% | 845 |
| Equity capital to assets | 9.6080% | 4,579 |
| Core capital (leverage) ratio | 9.5788% | 4,134 |
| Tier 1 risk-based capital ratio | 15.0191% | 3,477 |
| Total risk-based capital ratio | 16.2730% | 3,414 |
| Memoranda: | ||
| Average total assets | $318,497,800 | 2,042 |
| Average earning assets | $293,058,200 | 2,048 |
| Average equity | $30,229,800 | 2,258 |
| Average total loans | $279,066,200 | 1,524 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1419% | 589 |
| Cost of funding earning assets | 1.2340% | 74 |
| Net interest margin | 3.9079% | 2,203 |
| Noninterest income to average assets | 0.5114% | 3,469 |
| Noninterest expense to average assets | 2.6703% | 3,942 |
| Loan and lease loss provision to assets | 0.2456% | 888 |
| Net operating income to assets | 0.8662% | 3,095 |
| Return on assets (ROA) | 0.8662% | 3,180 |
| Pretax return on assets | 1.1895% | 2,822 |
| Return on Equity (ROE) | 9.1545% | 2,603 |
| Retained earnings to average equity (ytd only) | 7.0822% | 1,776 |
| Net charge-offs to loans | 0.2288% | 1,673 |
| Credit loss provision to net charge-offs | 122.1294% | 1,891 |
| Earnings coverage of net charge-offs (x) | 7.1357% | 2,973 |
| Efficiency ratio | 65.0440% | 4,363 |
| Assets per employee ($millions) | 3.0562% | 5,667 |
| Cash dividends to net income (ytd only)* | 22.6369% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2472% | 3,968 |
| Loan loss allowance to noncurrent loans | 116.2117% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 1.0907% | 2,783 |
| Noncurrent loans to loans | 1.0732% | 2,926 |
| Net loans and leases to total assets | 86.1378% | 192 |
| Net loans and leases to deposits | 95.9588% | 888 |
| Net loans and leases to core deposits | 102.8394% | 1,163 |
| Total domestic deposits to total assets | 89.7654% | 839 |
| Equity capital to assets | 9.6269% | 4,637 |
| Core capital (leverage) ratio | 9.6217% | 4,205 |
| Tier 1 risk-based capital ratio | 14.8988% | 3,650 |
| Total risk-based capital ratio | 16.1540% | 3,575 |
| Memoranda: | ||
| Average total assets | $317,556,750 | 2,057 |
| Average earning assets | $292,049,000 | 2,066 |
| Average equity | $30,046,500 | 2,281 |
| Average total loans | $279,154,500 | 1,535 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1223% | 590 |
| Cost of funding earning assets | 1.2394% | 75 |
| Net interest margin | 3.8830% | 2,238 |
| Noninterest income to average assets | 0.5082% | 3,416 |
| Noninterest expense to average assets | 2.7165% | 3,804 |
| Loan and lease loss provision to assets | 0.2465% | 897 |
| Net operating income to assets | 0.8071% | 3,285 |
| Return on assets (ROA) | 0.8071% | 3,391 |
| Pretax return on assets | 1.1174% | 3,020 |
| Return on Equity (ROE) | 8.5807% | 2,800 |
| Retained earnings to average equity (ytd only) | 6.4843% | 2,045 |
| Net charge-offs to loans | 0.2983% | 1,348 |
| Credit loss provision to net charge-offs | 93.7500% | 2,117 |
| Earnings coverage of net charge-offs (x) | 5.1875% | 2,971 |
| Efficiency ratio | 66.5737% | 4,270 |
| Assets per employee ($millions) | 2.9288% | 5,858 |
| Cash dividends to net income (ytd only)* | 24.4323% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2034% | 4,408 |
| Loan loss allowance to noncurrent loans | 116.3895% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 1.0594% | 2,950 |
| Noncurrent loans to loans | 1.0340% | 3,166 |
| Net loans and leases to total assets | 86.3789% | 162 |
| Net loans and leases to deposits | 96.0247% | 801 |
| Net loans and leases to core deposits | 103.3247% | 1,061 |
| Total domestic deposits to total assets | 89.9549% | 837 |
| Equity capital to assets | 9.4916% | 4,760 |
| Core capital (leverage) ratio | 9.5074% | 4,321 |
| Tier 1 risk-based capital ratio | 14.5949% | 3,873 |
| Total risk-based capital ratio | 15.8496% | 3,819 |
| Memoranda: | ||
| Average total assets | $316,441,670 | 2,065 |
| Average earning assets | $291,118,330 | 2,066 |
| Average equity | $29,764,330 | 2,284 |
| Average total loans | $278,903,000 | 1,531 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1087% | 588 |
| Cost of funding earning assets | 1.2411% | 81 |
| Net interest margin | 3.8676% | 2,202 |
| Noninterest income to average assets | 0.4939% | 3,462 |
| Noninterest expense to average assets | 2.6257% | 4,194 |
| Loan and lease loss provision to assets | 0.2476% | 873 |
| Net operating income to assets | 0.8393% | 2,953 |
| Return on assets (ROA) | 0.8393% | 3,027 |
| Pretax return on assets | 1.1897% | 2,528 |
| Return on Equity (ROE) | 8.9639% | 2,483 |
| Retained earnings to average equity (ytd only) | 6.8484% | 2,118 |
| Net charge-offs to loans | 0.2554% | 1,308 |
| Credit loss provision to net charge-offs | 109.5506% | 1,542 |
| Earnings coverage of net charge-offs (x) | 6.3596% | 2,230 |
| Efficiency ratio | 64.6250% | 4,757 |
| Assets per employee ($millions) | 3.2699% | 5,410 |
| Cash dividends to net income (ytd only)* | 23.6006% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2257% | 4,517 |
| Loan loss allowance to noncurrent loans | 117.1891% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 1.0672% | 3,123 |
| Noncurrent loans to loans | 1.0459% | 3,332 |
| Net loans and leases to total assets | 86.4382% | 124 |
| Net loans and leases to deposits | 95.8464% | 664 |
| Net loans and leases to core deposits | 103.5961% | 884 |
| Total domestic deposits to total assets | 90.1840% | 978 |
| Equity capital to assets | 9.3878% | 4,648 |
| Core capital (leverage) ratio | 9.4890% | 4,298 |
| Tier 1 risk-based capital ratio | 14.6383% | 3,926 |
| Total risk-based capital ratio | 15.8937% | 3,876 |
| Memoranda: | ||
| Average total assets | $315,042,000 | 2,083 |
| Average earning assets | $290,720,500 | 2,076 |
| Average equity | $29,496,000 | 2,299 |
| Average total loans | $278,796,500 | 1,537 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4150% | 421 |
| Cost of funding earning assets | 1.3609% | 85 |
| Net interest margin | 4.0541% | 1,786 |
| Noninterest income to average assets | 0.5175% | 3,652 |
| Noninterest expense to average assets | 2.7147% | 4,042 |
| Loan and lease loss provision to assets | 0.2487% | 1,451 |
| Net operating income to assets | 0.9042% | 2,755 |
| Return on assets (ROA) | 0.9042% | 2,840 |
| Pretax return on assets | 1.2945% | 2,176 |
| Return on Equity (ROE) | 10.0100% | 2,107 |
| Retained earnings to average equity (ytd only) | 7.5922% | 1,200 |
| Net charge-offs to loans | 0.1483% | 3,320 |
| Credit loss provision to net charge-offs | 190.7090% | 1,198 |
| Earnings coverage of net charge-offs (x) | 11.8337% | 2,194 |
| Efficiency ratio | 63.7562% | 4,945 |
| Assets per employee ($millions) | 2.9801% | 5,859 |
| Cash dividends to net income (ytd only)* | 24.1537% | 3,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2088% | 4,616 |
| Loan loss allowance to noncurrent loans | 119.1901% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.9412% | 3,547 |
| Noncurrent loans to loans | 1.0142% | 3,483 |
| Net loans and leases to total assets | 88.4109% | 75 |
| Net loans and leases to deposits | 98.0218% | 588 |
| Net loans and leases to core deposits | 106.2569% | 779 |
| Total domestic deposits to total assets | 90.1952% | 971 |
| Equity capital to assets | 9.3370% | 4,645 |
| Core capital (leverage) ratio | 9.2725% | 4,599 |
| Tier 1 risk-based capital ratio | 14.3187% | 4,073 |
| Total risk-based capital ratio | 15.5741% | 4,013 |
| Memoranda: | ||
| Average total assets | $313,630,800 | 2,052 |
| Average earning assets | $289,361,200 | 2,050 |
| Average equity | $28,331,600 | 2,353 |
| Average total loans | $275,794,000 | 1,528 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4298% | 414 |
| Cost of funding earning assets | 1.3823% | 81 |
| Net interest margin | 4.0474% | 1,794 |
| Noninterest income to average assets | 0.5162% | 3,698 |
| Noninterest expense to average assets | 2.5934% | 4,414 |
| Loan and lease loss provision to assets | 0.2486% | 1,437 |
| Net operating income to assets | 0.9581% | 2,545 |
| Return on assets (ROA) | 0.9581% | 2,651 |
| Pretax return on assets | 1.4038% | 1,918 |
| Return on Equity (ROE) | 10.6956% | 1,924 |
| Retained earnings to average equity (ytd only) | 8.4806% | 1,229 |
| Net charge-offs to loans | 0.1034% | 3,502 |
| Credit loss provision to net charge-offs | 274.6479% | 927 |
| Earnings coverage of net charge-offs (x) | 18.2584% | 1,693 |
| Efficiency ratio | 61.0828% | 5,269 |
| Assets per employee ($millions) | 3.0188% | 5,815 |
| Cash dividends to net income (ytd only)* | 20.7095% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2048% | 4,838 |
| Loan loss allowance to noncurrent loans | 130.3310% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.8231% | 4,053 |
| Noncurrent loans to loans | 0.9244% | 3,968 |
| Net loans and leases to total assets | 87.5957% | 93 |
| Net loans and leases to deposits | 97.0418% | 622 |
| Net loans and leases to core deposits | 104.9636% | 821 |
| Total domestic deposits to total assets | 90.2660% | 857 |
| Equity capital to assets | 9.1008% | 5,060 |
| Core capital (leverage) ratio | 9.1326% | 4,919 |
| Tier 1 risk-based capital ratio | 13.8900% | 4,507 |
| Total risk-based capital ratio | 15.1490% | 4,454 |
| Memoranda: | ||
| Average total assets | $313,811,750 | 2,061 |
| Average earning assets | $289,164,250 | 2,062 |
| Average equity | $28,110,500 | 2,401 |
| Average total loans | $274,735,250 | 1,537 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4235% | 429 |
| Cost of funding earning assets | 1.4024% | 82 |
| Net interest margin | 4.0212% | 1,790 |
| Noninterest income to average assets | 0.5065% | 3,787 |
| Noninterest expense to average assets | 2.6225% | 4,308 |
| Loan and lease loss provision to assets | 0.2494% | 1,494 |
| Net operating income to assets | 0.9164% | 2,715 |
| Return on assets (ROA) | 0.9164% | 2,854 |
| Pretax return on assets | 1.3403% | 2,158 |
| Return on Equity (ROE) | 10.2853% | 2,092 |
| Retained earnings to average equity (ytd only) | 8.0603% | 1,459 |
| Net charge-offs to loans | 0.1071% | 3,290 |
| Credit loss provision to net charge-offs | 267.1233% | 944 |
| Earnings coverage of net charge-offs (x) | 17.0274% | 1,626 |
| Efficiency ratio | 62.2590% | 5,134 |
| Assets per employee ($millions) | 3.2087% | 5,459 |
| Cash dividends to net income (ytd only)* | 21.6329% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1798% | 5,099 |
| Loan loss allowance to noncurrent loans | 146.4928% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.7108% | 4,446 |
| Noncurrent loans to loans | 0.8053% | 4,298 |
| Net loans and leases to total assets | 86.7857% | 122 |
| Net loans and leases to deposits | 95.8681% | 687 |
| Net loans and leases to core deposits | 104.1448% | 837 |
| Total domestic deposits to total assets | 90.5261% | 744 |
| Equity capital to assets | 8.9972% | 5,223 |
| Core capital (leverage) ratio | 9.0086% | 4,973 |
| Tier 1 risk-based capital ratio | 13.7619% | 4,595 |
| Total risk-based capital ratio | 15.0206% | 4,563 |
| Memoranda: | ||
| Average total assets | $312,758,330 | 2,077 |
| Average earning assets | $288,224,670 | 2,072 |
| Average equity | $27,865,000 | 2,432 |
| Average total loans | $272,633,670 | 1,543 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4129% | 426 |
| Cost of funding earning assets | 1.4221% | 79 |
| Net interest margin | 3.9908% | 1,826 |
| Noninterest income to average assets | 0.4553% | 4,086 |
| Noninterest expense to average assets | 2.5110% | 4,715 |
| Loan and lease loss provision to assets | 0.2501% | 1,438 |
| Net operating income to assets | 0.9285% | 2,531 |
| Return on assets (ROA) | 0.9285% | 2,672 |
| Pretax return on assets | 1.3722% | 1,956 |
| Return on Equity (ROE) | 10.4732% | 1,887 |
| Retained earnings to average equity (ytd only) | 10.4732% | 992 |
| Net charge-offs to loans | 0.0605% | 3,211 |
| Credit loss provision to net charge-offs | 475.6098% | 554 |
| Earnings coverage of net charge-offs (x) | 30.8537% | 951 |
| Efficiency ratio | 60.7509% | 5,482 |
| Assets per employee ($millions) | 3.1969% | 5,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1605% | 5,366 |
| Loan loss allowance to noncurrent loans | 161.6327% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.6368% | 4,784 |
| Noncurrent loans to loans | 0.7180% | 4,693 |
| Net loans and leases to total assets | 86.1254% | 120 |
| Net loans and leases to deposits | 94.9784% | 610 |
| Net loans and leases to core deposits | 103.0098% | 770 |
| Total domestic deposits to total assets | 90.6790% | 680 |
| Equity capital to assets | 8.9236% | 5,582 |
| Core capital (leverage) ratio | 9.0162% | 4,856 |
| Tier 1 risk-based capital ratio | 13.6554% | 4,755 |
| Total risk-based capital ratio | 14.9139% | 4,715 |
| Memoranda: | ||
| Average total assets | $311,910,500 | 2,105 |
| Average earning assets | $287,461,000 | 2,106 |
| Average equity | $27,651,500 | 2,475 |
| Average total loans | $270,871,000 | 1,564 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7869% | 378 |
| Cost of funding earning assets | 1.6251% | 97 |
| Net interest margin | 4.1619% | 1,772 |
| Noninterest income to average assets | 0.4463% | 4,274 |
| Noninterest expense to average assets | 2.5911% | 4,768 |
| Loan and lease loss provision to assets | 0.2560% | 2,606 |
| Net operating income to assets | 0.9907% | 2,378 |
| Return on assets (ROA) | 0.9907% | 2,601 |
| Pretax return on assets | 1.4190% | 1,966 |
| Return on Equity (ROE) | 11.6054% | 1,621 |
| Retained earnings to average equity (ytd only) | 9.7410% | 646 |
| Net charge-offs to loans | 0.1004% | 4,662 |
| Credit loss provision to net charge-offs | 297.7099% | 824 |
| Earnings coverage of net charge-offs (x) | 19.4809% | 1,383 |
| Efficiency ratio | 60.7385% | 5,421 |
| Assets per employee ($millions) | 3.1053% | 5,834 |
| Cash dividends to net income (ytd only)* | 16.0649% | 3,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1215% | 5,467 |
| Loan loss allowance to noncurrent loans | 189.3216% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.5239% | 5,168 |
| Noncurrent loans to loans | 0.5924% | 5,048 |
| Net loans and leases to total assets | 85.5752% | 145 |
| Net loans and leases to deposits | 94.3722% | 726 |
| Net loans and leases to core deposits | 102.6103% | 852 |
| Total domestic deposits to total assets | 90.6785% | 620 |
| Equity capital to assets | 8.8063% | 5,742 |
| Core capital (leverage) ratio | 8.7354% | 5,272 |
| Tier 1 risk-based capital ratio | 13.5476% | 4,716 |
| Total risk-based capital ratio | 14.8029% | 4,657 |
| Memoranda: | ||
| Average total assets | $304,730,600 | 2,108 |
| Average earning assets | $279,682,600 | 2,106 |
| Average equity | $26,013,800 | 2,567 |
| Average total loans | $260,839,200 | 1,585 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8158% | 392 |
| Cost of funding earning assets | 1.6523% | 104 |
| Net interest margin | 4.1634% | 1,856 |
| Noninterest income to average assets | 0.4401% | 4,366 |
| Noninterest expense to average assets | 2.5749% | 4,826 |
| Loan and lease loss provision to assets | 0.2572% | 2,517 |
| Net operating income to assets | 0.9584% | 2,712 |
| Return on assets (ROA) | 0.9584% | 2,929 |
| Pretax return on assets | 1.4275% | 2,150 |
| Return on Equity (ROE) | 11.3182% | 1,848 |
| Retained earnings to average equity (ytd only) | 8.9040% | 1,266 |
| Net charge-offs to loans | 0.0546% | 4,886 |
| Credit loss provision to net charge-offs | 551.8868% | 481 |
| Earnings coverage of net charge-offs (x) | 36.1509% | 948 |
| Efficiency ratio | 60.4500% | 5,427 |
| Assets per employee ($millions) | 3.0986% | 5,855 |
| Cash dividends to net income (ytd only)* | 21.3301% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1181% | 5,647 |
| Loan loss allowance to noncurrent loans | 195.8525% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.5196% | 5,377 |
| Noncurrent loans to loans | 0.5709% | 5,292 |
| Net loans and leases to total assets | 84.9146% | 188 |
| Net loans and leases to deposits | 93.6168% | 820 |
| Net loans and leases to core deposits | 101.9190% | 987 |
| Total domestic deposits to total assets | 90.7044% | 519 |
| Equity capital to assets | 8.5595% | 6,216 |
| Core capital (leverage) ratio | 8.5355% | 5,703 |
| Tier 1 risk-based capital ratio | 13.0928% | 5,173 |
| Total risk-based capital ratio | 14.3502% | 5,130 |
| Memoranda: | ||
| Average total assets | $303,281,250 | 2,135 |
| Average earning assets | $278,225,250 | 2,131 |
| Average equity | $25,680,750 | 2,619 |
| Average total loans | $258,861,750 | 1,611 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8510% | 373 |
| Cost of funding earning assets | 1.6731% | 114 |
| Net interest margin | 4.1780% | 1,814 |
| Noninterest income to average assets | 0.4477% | 4,312 |
| Noninterest expense to average assets | 2.6298% | 4,684 |
| Loan and lease loss provision to assets | 0.2591% | 2,505 |
| Net operating income to assets | 0.9353% | 2,739 |
| Return on assets (ROA) | 0.9353% | 3,000 |
| Pretax return on assets | 1.3890% | 2,240 |
| Return on Equity (ROE) | 11.0865% | 1,965 |
| Retained earnings to average equity (ytd only) | 8.6534% | 1,397 |
| Net charge-offs to loans | 0.0398% | 4,821 |
| Credit loss provision to net charge-offs | 764.7059% | 410 |
| Earnings coverage of net charge-offs (x) | 48.6471% | 746 |
| Efficiency ratio | 61.4752% | 5,337 |
| Assets per employee ($millions) | 3.0792% | 5,892 |
| Cash dividends to net income (ytd only)* | 21.9460% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0859% | 5,838 |
| Loan loss allowance to noncurrent loans | 227.7108% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.4553% | 5,644 |
| Noncurrent loans to loans | 0.4769% | 5,577 |
| Net loans and leases to total assets | 83.8623% | 220 |
| Net loans and leases to deposits | 92.0871% | 941 |
| Net loans and leases to core deposits | 99.2543% | 1,148 |
| Total domestic deposits to total assets | 91.0684% | 424 |
| Equity capital to assets | 8.4100% | 6,295 |
| Core capital (leverage) ratio | 8.4665% | 5,690 |
| Tier 1 risk-based capital ratio | 12.9348% | 5,228 |
| Total risk-based capital ratio | 14.1917% | 5,204 |
| Memoranda: | ||
| Average total assets | $301,090,000 | 2,148 |
| Average earning assets | $276,020,330 | 2,141 |
| Average equity | $25,400,330 | 2,624 |
| Average total loans | $256,453,330 | 1,623 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9015% | 357 |
| Cost of funding earning assets | 1.7096% | 120 |
| Net interest margin | 4.1919% | 1,781 |
| Noninterest income to average assets | 0.4300% | 4,452 |
| Noninterest expense to average assets | 2.6109% | 4,780 |
| Loan and lease loss provision to assets | 0.2620% | 2,362 |
| Net operating income to assets | 0.9702% | 2,592 |
| Return on assets (ROA) | 0.9702% | 2,796 |
| Pretax return on assets | 1.3988% | 2,192 |
| Return on Equity (ROE) | 11.4820% | 1,843 |
| Retained earnings to average equity (ytd only) | 11.4820% | 926 |
| Net charge-offs to loans | -0.0079% | 5,882 |
| Credit loss provision to net charge-offs | -3,900.0000% | 6,168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1198% | 5,437 |
| Assets per employee ($millions) | 3.1567% | 5,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0538% | 6,064 |
| Loan loss allowance to noncurrent loans | 209.8054% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.4603% | 5,707 |
| Noncurrent loans to loans | 0.5023% | 5,670 |
| Net loans and leases to total assets | 83.5287% | 194 |
| Net loans and leases to deposits | 91.8922% | 806 |
| Net loans and leases to core deposits | 99.4621% | 1,018 |
| Total domestic deposits to total assets | 90.8987% | 602 |
| Equity capital to assets | 8.4143% | 6,161 |
| Core capital (leverage) ratio | 8.5608% | 5,496 |
| Tier 1 risk-based capital ratio | 12.8663% | 5,307 |
| Total risk-based capital ratio | 14.1224% | 5,285 |
| Memoranda: | ||
| Average total assets | $297,675,500 | 2,179 |
| Average earning assets | $272,810,000 | 2,181 |
| Average equity | $25,152,500 | 2,645 |
| Average total loans | $254,148,500 | 1,636 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2360% | 283 |
| Cost of funding earning assets | 1.9650% | 112 |
| Net interest margin | 4.2711% | 1,802 |
| Noninterest income to average assets | 0.4457% | 4,258 |
| Noninterest expense to average assets | 2.7937% | 4,371 |
| Loan and lease loss provision to assets | 0.2517% | 3,685 |
| Net operating income to assets | 0.9076% | 2,570 |
| Return on assets (ROA) | 0.9076% | 2,694 |
| Pretax return on assets | 1.2865% | 2,185 |
| Return on Equity (ROE) | 10.9058% | 1,723 |
| Retained earnings to average equity (ytd only) | 8.1458% | 1,034 |
| Net charge-offs to loans | 0.1168% | 5,212 |
| Credit loss provision to net charge-offs | 250.8711% | 957 |
| Earnings coverage of net charge-offs (x) | 15.3310% | 1,400 |
| Efficiency ratio | 64.4904% | 5,043 |
| Assets per employee ($millions) | 2.9827% | 6,123 |
| Cash dividends to net income (ytd only)* | 25.3082% | 3,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9886% | 6,276 |
| Loan loss allowance to noncurrent loans | 178.0314% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.5344% | 5,640 |
| Noncurrent loans to loans | 0.5553% | 5,608 |
| Net loans and leases to total assets | 85.5184% | 146 |
| Net loans and leases to deposits | 93.6945% | 832 |
| Net loans and leases to core deposits | 101.1136% | 1,083 |
| Total domestic deposits to total assets | 91.2736% | 405 |
| Equity capital to assets | 8.4863% | 6,161 |
| Core capital (leverage) ratio | 8.4176% | 5,693 |
| Tier 1 risk-based capital ratio | 12.8412% | 5,204 |
| Total risk-based capital ratio | 14.0952% | 5,177 |
| Memoranda: | ||
| Average total assets | $286,039,800 | 2,228 |
| Average earning assets | $260,261,000 | 2,237 |
| Average equity | $23,803,800 | 2,688 |
| Average total loans | $245,696,800 | 1,703 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2415% | 298 |
| Cost of funding earning assets | 2.0112% | 118 |
| Net interest margin | 4.2303% | 1,989 |
| Noninterest income to average assets | 0.4434% | 4,343 |
| Noninterest expense to average assets | 2.6729% | 4,830 |
| Loan and lease loss provision to assets | 0.2531% | 3,476 |
| Net operating income to assets | 0.9135% | 2,688 |
| Return on assets (ROA) | 0.9135% | 2,821 |
| Pretax return on assets | 1.3611% | 2,081 |
| Return on Equity (ROE) | 11.0329% | 1,850 |
| Retained earnings to average equity (ytd only) | 8.4063% | 1,350 |
| Net charge-offs to loans | 0.1049% | 4,951 |
| Credit loss provision to net charge-offs | 281.2500% | 1,021 |
| Earnings coverage of net charge-offs (x) | 17.9378% | 1,325 |
| Efficiency ratio | 62.3483% | 5,359 |
| Assets per employee ($millions) | 3.0232% | 6,062 |
| Cash dividends to net income (ytd only)* | 23.8070% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9649% | 6,405 |
| Loan loss allowance to noncurrent loans | 174.9637% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.5074% | 5,816 |
| Noncurrent loans to loans | 0.5515% | 5,762 |
| Net loans and leases to total assets | 84.3864% | 197 |
| Net loans and leases to deposits | 92.9868% | 920 |
| Net loans and leases to core deposits | 99.7617% | 1,264 |
| Total domestic deposits to total assets | 90.7509% | 534 |
| Equity capital to assets | 8.2987% | 6,485 |
| Core capital (leverage) ratio | 8.3200% | 5,947 |
| Tier 1 risk-based capital ratio | 12.5468% | 5,455 |
| Total risk-based capital ratio | 13.7975% | 5,441 |
| Memoranda: | ||
| Average total assets | $284,472,750 | 2,241 |
| Average earning assets | $258,478,250 | 2,257 |
| Average equity | $23,553,250 | 2,721 |
| Average total loans | $244,002,750 | 1,727 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2299% | 316 |
| Cost of funding earning assets | 2.0454% | 124 |
| Net interest margin | 4.1845% | 2,103 |
| Noninterest income to average assets | 0.4561% | 4,237 |
| Noninterest expense to average assets | 2.6674% | 4,950 |
| Loan and lease loss provision to assets | 0.2557% | 3,353 |
| Net operating income to assets | 0.9014% | 2,630 |
| Return on assets (ROA) | 0.9014% | 2,740 |
| Pretax return on assets | 1.3419% | 1,995 |
| Return on Equity (ROE) | 10.8963% | 1,831 |
| Retained earnings to average equity (ytd only) | 8.2431% | 1,369 |
| Net charge-offs to loans | 0.0760% | 4,881 |
| Credit loss provision to net charge-offs | 391.3043% | 769 |
| Earnings coverage of net charge-offs (x) | 24.4457% | 1,062 |
| Efficiency ratio | 62.5416% | 5,494 |
| Assets per employee ($millions) | 2.9564% | 6,177 |
| Cash dividends to net income (ytd only)* | 24.3499% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9513% | 6,504 |
| Loan loss allowance to noncurrent loans | 235.4545% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.4251% | 6,081 |
| Noncurrent loans to loans | 0.4040% | 6,096 |
| Net loans and leases to total assets | 84.6304% | 198 |
| Net loans and leases to deposits | 92.7484% | 977 |
| Net loans and leases to core deposits | 99.1928% | 1,416 |
| Total domestic deposits to total assets | 91.2473% | 411 |
| Equity capital to assets | 8.2865% | 6,437 |
| Core capital (leverage) ratio | 8.2319% | 5,976 |
| Tier 1 risk-based capital ratio | 12.5534% | 5,290 |
| Total risk-based capital ratio | 13.7902% | 5,286 |
| Memoranda: | ||
| Average total assets | $281,547,000 | 2,277 |
| Average earning assets | $256,279,330 | 2,286 |
| Average equity | $23,292,330 | 2,729 |
| Average total loans | $242,045,670 | 1,761 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2285% | 318 |
| Cost of funding earning assets | 2.0704% | 138 |
| Net interest margin | 4.1581% | 2,047 |
| Noninterest income to average assets | 0.4546% | 4,238 |
| Noninterest expense to average assets | 2.5855% | 5,277 |
| Loan and lease loss provision to assets | 0.2581% | 3,078 |
| Net operating income to assets | 0.9206% | 2,475 |
| Return on assets (ROA) | 0.9206% | 2,531 |
| Pretax return on assets | 1.4068% | 1,710 |
| Return on Equity (ROE) | 11.1376% | 1,696 |
| Retained earnings to average equity (ytd only) | 11.1376% | 878 |
| Net charge-offs to loans | 0.0416% | 4,531 |
| Credit loss provision to net charge-offs | 720.0000% | 531 |
| Earnings coverage of net charge-offs (x) | 46.4400% | 607 |
| Efficiency ratio | 60.8300% | 5,855 |
| Assets per employee ($millions) | 2.9150% | 6,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9185% | 6,651 |
| Loan loss allowance to noncurrent loans | 336.5706% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.3300% | 6,373 |
| Noncurrent loans to loans | 0.2729% | 6,444 |
| Net loans and leases to total assets | 84.6216% | 197 |
| Net loans and leases to deposits | 92.5606% | 974 |
| Net loans and leases to core deposits | 99.2352% | 1,405 |
| Total domestic deposits to total assets | 91.4229% | 435 |
| Equity capital to assets | 8.2697% | 6,199 |
| Core capital (leverage) ratio | 8.3366% | 5,737 |
| Tier 1 risk-based capital ratio | 12.5735% | 5,193 |
| Total risk-based capital ratio | 13.7682% | 5,227 |
| Memoranda: | ||
| Average total assets | $278,936,500 | 2,315 |
| Average earning assets | $254,635,000 | 2,317 |
| Average equity | $23,057,000 | 2,739 |
| Average total loans | $240,556,500 | 1,792 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5443% | 300 |
| Cost of funding earning assets | 2.2689% | 238 |
| Net interest margin | 4.2754% | 1,903 |
| Noninterest income to average assets | 0.4269% | 4,697 |
| Noninterest expense to average assets | 2.9095% | 4,189 |
| Loan and lease loss provision to assets | 0.2269% | 5,009 |
| Net operating income to assets | 0.8360% | 2,645 |
| Return on assets (ROA) | 0.8360% | 2,790 |
| Pretax return on assets | 1.1899% | 2,258 |
| Return on Equity (ROE) | 10.0753% | 1,897 |
| Retained earnings to average equity (ytd only) | 7.2910% | 1,207 |
| Net charge-offs to loans | 0.1560% | 5,415 |
| Credit loss provision to net charge-offs | 167.1309% | 2,036 |
| Earnings coverage of net charge-offs (x) | 10.4373% | 1,703 |
| Efficiency ratio | 67.2522% | 4,712 |
| Assets per employee ($millions) | 2.8363% | 6,464 |
| Cash dividends to net income (ytd only)* | 27.6346% | 3,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8609% | 6,826 |
| Loan loss allowance to noncurrent loans | 266.5375% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.3900% | 6,296 |
| Noncurrent loans to loans | 0.3230% | 6,404 |
| Net loans and leases to total assets | 86.3485% | 173 |
| Net loans and leases to deposits | 94.3219% | 1,033 |
| Net loans and leases to core deposits | 100.0227% | 1,614 |
| Total domestic deposits to total assets | 91.5466% | 388 |
| Equity capital to assets | 8.2622% | 6,191 |
| Core capital (leverage) ratio | 8.3025% | 5,682 |
| Tier 1 risk-based capital ratio | 12.5182% | 5,007 |
| Total risk-based capital ratio | 13.6559% | 5,085 |
| Memoranda: | ||
| Average total assets | $264,474,600 | 2,408 |
| Average earning assets | $241,216,400 | 2,418 |
| Average equity | $21,944,800 | 2,883 |
| Average total loans | $230,137,000 | 1,893 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5457% | 313 |
| Cost of funding earning assets | 2.3027% | 268 |
| Net interest margin | 4.2430% | 2,059 |
| Noninterest income to average assets | 0.4232% | 4,774 |
| Noninterest expense to average assets | 2.8595% | 4,247 |
| Loan and lease loss provision to assets | 0.2292% | 4,782 |
| Net operating income to assets | 0.8041% | 2,984 |
| Return on assets (ROA) | 0.8041% | 3,136 |
| Pretax return on assets | 1.1988% | 2,494 |
| Return on Equity (ROE) | 9.6802% | 2,254 |
| Retained earnings to average equity (ytd only) | 7.1237% | 1,786 |
| Net charge-offs to loans | 0.1422% | 5,160 |
| Credit loss provision to net charge-offs | 185.1852% | 1,953 |
| Earnings coverage of net charge-offs (x) | 11.5392% | 1,786 |
| Efficiency ratio | 66.6944% | 4,712 |
| Assets per employee ($millions) | 2.7939% | 6,599 |
| Cash dividends to net income (ytd only)* | 26.4093% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8529% | 6,882 |
| Loan loss allowance to noncurrent loans | 297.0717% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.3365% | 6,543 |
| Noncurrent loans to loans | 0.2871% | 6,616 |
| Net loans and leases to total assets | 87.0275% | 140 |
| Net loans and leases to deposits | 95.7744% | 1,009 |
| Net loans and leases to core deposits | 101.2184% | 1,727 |
| Total domestic deposits to total assets | 90.8672% | 494 |
| Equity capital to assets | 8.2594% | 6,552 |
| Core capital (leverage) ratio | 8.2547% | 5,956 |
| Tier 1 risk-based capital ratio | 12.2451% | 5,225 |
| Total risk-based capital ratio | 13.3611% | 5,316 |
| Memoranda: | ||
| Average total assets | $261,813,500 | 2,470 |
| Average earning assets | $238,442,250 | 2,480 |
| Average equity | $21,748,250 | 2,949 |
| Average total loans | $227,765,250 | 1,937 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4910% | 342 |
| Cost of funding earning assets | 2.3352% | 300 |
| Net interest margin | 4.1557% | 2,312 |
| Noninterest income to average assets | 0.4066% | 4,856 |
| Noninterest expense to average assets | 2.8337% | 4,344 |
| Loan and lease loss provision to assets | 0.2319% | 4,596 |
| Net operating income to assets | 0.7853% | 3,043 |
| Return on assets (ROA) | 0.7853% | 3,188 |
| Pretax return on assets | 1.1293% | 2,674 |
| Return on Equity (ROE) | 9.4352% | 2,300 |
| Retained earnings to average equity (ytd only) | 6.8535% | 1,902 |
| Net charge-offs to loans | 0.1150% | 5,028 |
| Credit loss provision to net charge-offs | 232.5581% | 1,658 |
| Earnings coverage of net charge-offs (x) | 13.6512% | 1,575 |
| Efficiency ratio | 67.5511% | 4,664 |
| Assets per employee ($millions) | 2.7512% | 6,686 |
| Cash dividends to net income (ytd only)* | 27.3622% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8669% | 6,861 |
| Loan loss allowance to noncurrent loans | 373.2210% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.3013% | 6,653 |
| Noncurrent loans to loans | 0.2323% | 6,773 |
| Net loans and leases to total assets | 85.4035% | 265 |
| Net loans and leases to deposits | 93.9135% | 1,287 |
| Net loans and leases to core deposits | 99.0685% | 2,113 |
| Total domestic deposits to total assets | 90.9385% | 511 |
| Equity capital to assets | 8.2139% | 6,526 |
| Core capital (leverage) ratio | 8.2746% | 5,814 |
| Tier 1 risk-based capital ratio | 12.3531% | 4,988 |
| Total risk-based capital ratio | 13.4804% | 5,066 |
| Memoranda: | ||
| Average total assets | $258,747,330 | 2,522 |
| Average earning assets | $235,866,330 | 2,534 |
| Average equity | $21,536,330 | 2,974 |
| Average total loans | $224,392,330 | 1,988 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4605% | 390 |
| Cost of funding earning assets | 2.3527% | 357 |
| Net interest margin | 4.1078% | 2,406 |
| Noninterest income to average assets | 0.3549% | 5,299 |
| Noninterest expense to average assets | 2.9338% | 3,935 |
| Loan and lease loss provision to assets | 0.2356% | 4,155 |
| Net operating income to assets | 0.6910% | 3,480 |
| Return on assets (ROA) | 0.6910% | 3,596 |
| Pretax return on assets | 0.9423% | 3,303 |
| Return on Equity (ROE) | 8.2457% | 2,754 |
| Retained earnings to average equity (ytd only) | 5.6408% | 2,789 |
| Net charge-offs to loans | 0.0866% | 4,554 |
| Credit loss provision to net charge-offs | 312.5000% | 1,259 |
| Earnings coverage of net charge-offs (x) | 15.6250% | 1,370 |
| Efficiency ratio | 71.3522% | 4,059 |
| Assets per employee ($millions) | 2.7054% | 6,856 |
| Cash dividends to net income (ytd only)* | 31.5909% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8622% | 6,950 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.3850% | 6,512 |
| Noncurrent loans to loans | 0.4311% | 6,438 |
| Net loans and leases to total assets | 85.1777% | 274 |
| Net loans and leases to deposits | 93.4709% | 1,411 |
| Net loans and leases to core deposits | 97.8534% | 2,359 |
| Total domestic deposits to total assets | 91.1275% | 491 |
| Equity capital to assets | 8.2750% | 6,338 |
| Core capital (leverage) ratio | 8.4609% | 5,442 |
| Tier 1 risk-based capital ratio | 12.6188% | 4,627 |
| Total risk-based capital ratio | 13.7532% | 4,699 |
| Memoranda: | ||
| Average total assets | $254,688,000 | 2,605 |
| Average earning assets | $232,923,500 | 2,612 |
| Average equity | $21,344,500 | 3,022 |
| Average total loans | $221,635,500 | 2,063 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7763% | 397 |
| Cost of funding earning assets | 2.6609% | 651 |
| Net interest margin | 4.1155% | 2,388 |
| Noninterest income to average assets | 0.4336% | 4,921 |
| Noninterest expense to average assets | 2.9940% | 4,165 |
| Loan and lease loss provision to assets | 0.2620% | 5,308 |
| Net operating income to assets | 0.6635% | 3,085 |
| Return on assets (ROA) | 0.6635% | 3,136 |
| Pretax return on assets | 0.9455% | 2,774 |
| Return on Equity (ROE) | 7.5693% | 2,555 |
| Retained earnings to average equity (ytd only) | 4.8839% | 1,879 |
| Net charge-offs to loans | 0.2806% | 4,877 |
| Credit loss provision to net charge-offs | 106.7126% | 5,195 |
| Earnings coverage of net charge-offs (x) | 4.9174% | 2,756 |
| Efficiency ratio | 71.2604% | 4,398 |
| Assets per employee ($millions) | 2.6006% | 7,035 |
| Cash dividends to net income (ytd only)* | 35.4777% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8277% | 7,055 |
| Loan loss allowance to noncurrent loans | 103.4639% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.7434% | 5,617 |
| Noncurrent loans to loans | 0.8000% | 5,682 |
| Net loans and leases to total assets | 87.4410% | 199 |
| Net loans and leases to deposits | 95.7590% | 1,360 |
| Net loans and leases to core deposits | 129.4652% | 1,311 |
| Total domestic deposits to total assets | 91.3135% | 430 |
| Equity capital to assets | 8.4906% | 5,892 |
| Core capital (leverage) ratio | 8.5433% | 5,212 |
| Tier 1 risk-based capital ratio | 12.7049% | 4,358 |
| Total risk-based capital ratio | 13.8020% | 4,420 |
| Memoranda: | ||
| Average total assets | $236,606,400 | 2,747 |
| Average earning assets | $216,622,000 | 2,745 |
| Average equity | $20,741,800 | 3,104 |
| Average total loans | $207,059,400 | 2,232 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7789% | 436 |
| Cost of funding earning assets | 2.7042% | 780 |
| Net interest margin | 4.0747% | 2,497 |
| Noninterest income to average assets | 0.4251% | 5,088 |
| Noninterest expense to average assets | 2.8712% | 4,564 |
| Loan and lease loss provision to assets | 0.2103% | 5,296 |
| Net operating income to assets | 0.7508% | 3,022 |
| Return on assets (ROA) | 0.7508% | 3,078 |
| Pretax return on assets | 1.0742% | 2,657 |
| Return on Equity (ROE) | 8.4931% | 2,452 |
| Retained earnings to average equity (ytd only) | 5.7914% | 2,050 |
| Net charge-offs to loans | 0.1806% | 4,940 |
| Credit loss provision to net charge-offs | 133.3333% | 3,741 |
| Earnings coverage of net charge-offs (x) | 8.1449% | 2,299 |
| Efficiency ratio | 69.0912% | 4,764 |
| Assets per employee ($millions) | 2.7076% | 6,832 |
| Cash dividends to net income (ytd only)* | 31.8112% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8887% | 6,802 |
| Loan loss allowance to noncurrent loans | 135.0865% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.6024% | 5,940 |
| Noncurrent loans to loans | 0.6579% | 5,985 |
| Net loans and leases to total assets | 85.8052% | 357 |
| Net loans and leases to deposits | 94.4303% | 1,800 |
| Net loans and leases to core deposits | 126.8408% | 1,669 |
| Total domestic deposits to total assets | 90.8662% | 460 |
| Equity capital to assets | 8.6455% | 6,043 |
| Core capital (leverage) ratio | 8.7039% | 5,117 |
| Tier 1 risk-based capital ratio | 13.0861% | 4,133 |
| Total risk-based capital ratio | 14.2554% | 4,120 |
| Memoranda: | ||
| Average total assets | $233,344,750 | 2,800 |
| Average earning assets | $213,636,500 | 2,803 |
| Average equity | $20,628,000 | 3,154 |
| Average total loans | $203,794,000 | 2,284 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7896% | 461 |
| Cost of funding earning assets | 2.7420% | 925 |
| Net interest margin | 4.0476% | 2,514 |
| Noninterest income to average assets | 0.4341% | 4,996 |
| Noninterest expense to average assets | 2.8291% | 4,829 |
| Loan and lease loss provision to assets | 0.2088% | 4,954 |
| Net operating income to assets | 0.7803% | 2,932 |
| Return on assets (ROA) | 0.7803% | 3,027 |
| Pretax return on assets | 1.1075% | 2,612 |
| Return on Equity (ROE) | 8.7592% | 2,445 |
| Retained earnings to average equity (ytd only) | 6.0348% | 2,002 |
| Net charge-offs to loans | 0.1698% | 4,531 |
| Credit loss provision to net charge-offs | 140.3509% | 3,326 |
| Earnings coverage of net charge-offs (x) | 8.8480% | 2,215 |
| Efficiency ratio | 68.2476% | 5,115 |
| Assets per employee ($millions) | 2.6206% | 7,012 |
| Cash dividends to net income (ytd only)* | 31.1037% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9000% | 6,766 |
| Loan loss allowance to noncurrent loans | 166.8468% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.5045% | 6,179 |
| Noncurrent loans to loans | 0.5394% | 6,190 |
| Net loans and leases to total assets | 86.4646% | 336 |
| Net loans and leases to deposits | 95.4001% | 1,889 |
| Net loans and leases to core deposits | 126.3905% | 1,831 |
| Total domestic deposits to total assets | 90.6337% | 582 |
| Equity capital to assets | 8.7808% | 5,626 |
| Core capital (leverage) ratio | 8.8463% | 4,870 |
| Tier 1 risk-based capital ratio | 13.3321% | 3,913 |
| Total risk-based capital ratio | 14.5239% | 3,875 |
| Memoranda: | ||
| Average total assets | $229,897,000 | 2,865 |
| Average earning assets | $210,791,670 | 2,858 |
| Average equity | $20,481,330 | 3,175 |
| Average total loans | $201,401,330 | 2,338 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8335% | 456 |
| Cost of funding earning assets | 2.7604% | 1,085 |
| Net interest margin | 4.0730% | 2,392 |
| Noninterest income to average assets | 0.4319% | 4,949 |
| Noninterest expense to average assets | 2.9297% | 4,058 |
| Loan and lease loss provision to assets | 0.1992% | 4,447 |
| Net operating income to assets | 0.7245% | 3,444 |
| Return on assets (ROA) | 0.7245% | 3,642 |
| Pretax return on assets | 1.0171% | 3,282 |
| Return on Equity (ROE) | 8.0719% | 3,113 |
| Retained earnings to average equity (ytd only) | 8.0719% | 1,786 |
| Net charge-offs to loans | 0.1908% | 3,493 |
| Credit loss provision to net charge-offs | 118.9474% | 3,296 |
| Earnings coverage of net charge-offs (x) | 7.2632% | 2,370 |
| Efficiency ratio | 70.6633% | 4,438 |
| Assets per employee ($millions) | 2.5662% | 7,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8979% | 6,765 |
| Loan loss allowance to noncurrent loans | 172.0153% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.4880% | 6,010 |
| Noncurrent loans to loans | 0.5220% | 6,120 |
| Net loans and leases to total assets | 86.0653% | 436 |
| Net loans and leases to deposits | 95.0307% | 2,102 |
| Net loans and leases to core deposits | 125.5516% | 1,950 |
| Total domestic deposits to total assets | 90.5657% | 565 |
| Equity capital to assets | 8.9061% | 5,465 |
| Core capital (leverage) ratio | 9.0457% | 4,626 |
| Tier 1 risk-based capital ratio | 13.5375% | 3,841 |
| Total risk-based capital ratio | 14.7270% | 3,801 |
| Memoranda: | ||
| Average total assets | $226,918,000 | 2,905 |
| Average earning assets | $206,923,000 | 2,924 |
| Average equity | $20,367,000 | 3,212 |
| Average total loans | $199,210,500 | 2,380 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2245% | 697 |
| Cost of funding earning assets | 2.9298% | 2,143 |
| Net interest margin | 4.2947% | 1,995 |
| Noninterest income to average assets | 0.4850% | 4,748 |
| Noninterest expense to average assets | 2.9136% | 4,401 |
| Loan and lease loss provision to assets | 0.1959% | 4,920 |
| Net operating income to assets | 0.9061% | 2,973 |
| Return on assets (ROA) | 0.9061% | 2,819 |
| Pretax return on assets | 1.3136% | 2,267 |
| Return on Equity (ROE) | 9.9672% | 2,273 |
| Retained earnings to average equity (ytd only) | 6.9149% | 1,185 |
| Net charge-offs to loans | 0.1628% | 4,570 |
| Credit loss provision to net charge-offs | 138.1579% | 3,851 |
| Earnings coverage of net charge-offs (x) | 10.6480% | 2,483 |
| Efficiency ratio | 65.8724% | 5,150 |
| Assets per employee ($millions) | 2.4492% | 7,301 |
| Cash dividends to net income (ytd only)* | 30.6227% | 4,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9012% | 6,673 |
| Loan loss allowance to noncurrent loans | 125.4750% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.6403% | 5,298 |
| Noncurrent loans to loans | 0.7182% | 5,239 |
| Net loans and leases to total assets | 87.9685% | 373 |
| Net loans and leases to deposits | 99.6797% | 1,867 |
| Net loans and leases to core deposits | 130.2861% | 1,830 |
| Total domestic deposits to total assets | 88.2511% | 1,361 |
| Equity capital to assets | 9.0474% | 5,311 |
| Core capital (leverage) ratio | 9.1378% | 4,542 |
| Tier 1 risk-based capital ratio | 13.3652% | 3,888 |
| Total risk-based capital ratio | 14.5515% | 3,840 |
| Memoranda: | ||
| Average total assets | $214,444,600 | 2,947 |
| Average earning assets | $196,635,600 | 2,930 |
| Average equity | $19,494,000 | 3,307 |
| Average total loans | $186,731,200 | 2,433 |