Home > Cross Keys Bank > Performance and Condition Ratios
Cross Keys Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1679% | 1,726 |
| Cost of funding earning assets | 1.9484% | 995 |
| Net interest margin | 3.2196% | 2,834 |
| Noninterest income to average assets | 1.1000% | 549 |
| Noninterest expense to average assets | 2.6945% | 1,747 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3872% | 1,236 |
| Return on assets (ROA) | 1.2066% | 1,607 |
| Pretax return on assets | 1.2066% | 2,119 |
| Return on Equity (ROE) | 13.2600% | 1,658 |
| Retained earnings to average equity (ytd only) | 13.2628% | 472 |
| Net charge-offs to loans | -0.0889% | 4,479 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 66.0143% | 2,353 |
| Assets per employee ($millions) | 6.5880% | 2,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8897% | 3,746 |
| Loan loss allowance to noncurrent loans | 104.6732% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 0.4909% | 1,144 |
| Noncurrent loans to loans | 0.8500% | 899 |
| Net loans and leases to total assets | 57.2400% | 3,104 |
| Net loans and leases to deposits | 68.8225% | 2,969 |
| Net loans and leases to core deposits | 73.8602% | 3,081 |
| Total domestic deposits to total assets | 83.1700% | 2,846 |
| Equity capital to assets | 10.0075% | 2,004 |
| Core capital (leverage) ratio | 12.1243% | 1,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1982% | 1,228 |
| Memoranda: | ||
| Average total assets | $562,075,000 | 1,575 |
| Average earning assets | $520,284,000 | 1,578 |
| Average equity | $51,135,400 | 1,583 |
| Average total loans | $313,659,600 | 1,745 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0670% | 1,697 |
| Cost of funding earning assets | 1.8590% | 919 |
| Net interest margin | 3.2080% | 2,899 |
| Noninterest income to average assets | 1.1600% | 521 |
| Noninterest expense to average assets | 2.7027% | 1,650 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4283% | 1,259 |
| Return on assets (ROA) | 1.3238% | 1,469 |
| Pretax return on assets | 1.3238% | 1,964 |
| Return on Equity (ROE) | 14.9400% | 1,451 |
| Retained earnings to average equity (ytd only) | 14.9398% | 564 |
| Net charge-offs to loans | 0.0086% | 2,088 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 298.7000% | 449 |
| Efficiency ratio | 65.4242% | 2,342 |
| Assets per employee ($millions) | 6.3524% | 2,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8227% | 3,937 |
| Loan loss allowance to noncurrent loans | 75.9784% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 0.6167% | 950 |
| Noncurrent loans to loans | 1.0829% | 734 |
| Net loans and leases to total assets | 56.4900% | 3,159 |
| Net loans and leases to deposits | 67.2251% | 3,043 |
| Net loans and leases to core deposits | 72.9285% | 3,057 |
| Total domestic deposits to total assets | 84.0300% | 2,764 |
| Equity capital to assets | 8.9080% | 2,476 |
| Core capital (leverage) ratio | 11.2223% | 1,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3562% | 1,456 |
| Memoranda: | ||
| Average total assets | $557,657,750 | 1,588 |
| Average earning assets | $516,739,250 | 1,581 |
| Average equity | $49,414,750 | 1,612 |
| Average total loans | $308,366,250 | 1,761 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9212% | 1,710 |
| Cost of funding earning assets | 1.7298% | 845 |
| Net interest margin | 3.1915% | 3,013 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 2.7267% | 1,583 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7924% | 3,105 |
| Return on assets (ROA) | 0.7924% | 3,112 |
| Pretax return on assets | 0.7924% | 3,417 |
| Return on Equity (ROE) | 8.9600% | 2,995 |
| Retained earnings to average equity (ytd only) | 8.9593% | 1,696 |
| Net charge-offs to loans | 0.0033% | 2,204 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 438.2000% | 334 |
| Efficiency ratio | 77.4820% | 1,042 |
| Assets per employee ($millions) | 6.0762% | 2,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8195% | 3,974 |
| Loan loss allowance to noncurrent loans | 70.6716% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 0.6819% | 769 |
| Noncurrent loans to loans | 1.1596% | 608 |
| Net loans and leases to total assets | 58.3200% | 2,932 |
| Net loans and leases to deposits | 69.7025% | 2,806 |
| Net loans and leases to core deposits | 75.2808% | 2,805 |
| Total domestic deposits to total assets | 83.6800% | 2,896 |
| Equity capital to assets | 9.0061% | 2,514 |
| Core capital (leverage) ratio | 11.6847% | 1,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8002% | 1,362 |
| Memoranda: | ||
| Average total assets | $552,970,333 | 1,599 |
| Average earning assets | $512,553,667 | 1,591 |
| Average equity | $48,910,000 | 1,623 |
| Average total loans | $302,614,667 | 1,769 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7061% | 1,836 |
| Cost of funding earning assets | 1.5752% | 731 |
| Net interest margin | 3.1308% | 3,286 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 2.6526% | 1,803 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7993% | 3,191 |
| Return on assets (ROA) | 0.7993% | 3,144 |
| Pretax return on assets | 0.7993% | 3,466 |
| Return on Equity (ROE) | 9.1200% | 3,014 |
| Retained earnings to average equity (ytd only) | 9.1218% | 1,912 |
| Net charge-offs to loans | 0.0055% | 1,763 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 274.7500% | 396 |
| Efficiency ratio | 76.8437% | 1,097 |
| Assets per employee ($millions) | 6.1925% | 2,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8992% | 3,854 |
| Loan loss allowance to noncurrent loans | 73.6066% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 0.6641% | 744 |
| Noncurrent loans to loans | 1.2216% | 564 |
| Net loans and leases to total assets | 53.8700% | 3,209 |
| Net loans and leases to deposits | 63.3171% | 3,142 |
| Net loans and leases to core deposits | 67.5608% | 3,132 |
| Total domestic deposits to total assets | 85.0800% | 2,841 |
| Equity capital to assets | 8.9478% | 2,556 |
| Core capital (leverage) ratio | 11.7417% | 1,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1330% | 1,346 |
| Memoranda: | ||
| Average total assets | $549,951,000 | 1,625 |
| Average earning assets | $509,129,500 | 1,624 |
| Average equity | $48,192,500 | 1,654 |
| Average total loans | $289,557,000 | 1,839 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1253% | 1,420 |
| Cost of funding earning assets | 0.6243% | 814 |
| Net interest margin | 3.5010% | 1,930 |
| Noninterest income to average assets | 0.8400% | 914 |
| Noninterest expense to average assets | 2.7966% | 1,321 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.2294% | 1,666 |
| Return on assets (ROA) | 1.2344% | 1,598 |
| Pretax return on assets | 1.2344% | 2,328 |
| Return on Equity (ROE) | 13.9700% | 1,537 |
| Retained earnings to average equity (ytd only) | 13.9719% | 390 |
| Net charge-offs to loans | 0.0130% | 1,890 |
| Credit loss provision to net charge-offs | 714.2857% | 538 |
| Earnings coverage of net charge-offs (x) | 185.1143% | 687 |
| Efficiency ratio | 68.6217% | 1,887 |
| Assets per employee ($millions) | 6.3811% | 2,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7502% | 4,134 |
| Loan loss allowance to noncurrent loans | 239.1106% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.1598% | 2,417 |
| Noncurrent loans to loans | 0.3138% | 2,024 |
| Net loans and leases to total assets | 50.5500% | 3,468 |
| Net loans and leases to deposits | 57.4504% | 3,491 |
| Net loans and leases to core deposits | 60.9185% | 3,455 |
| Total domestic deposits to total assets | 87.9900% | 2,076 |
| Equity capital to assets | 8.5775% | 2,650 |
| Core capital (leverage) ratio | 11.8942% | 1,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1256% | 1,104 |
| Memoranda: | ||
| Average total assets | $506,656,800 | 1,703 |
| Average earning assets | $468,329,200 | 1,704 |
| Average equity | $44,761,200 | 1,759 |
| Average total loans | $268,215,400 | 1,862 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0027% | 1,260 |
| Cost of funding earning assets | 0.4440% | 1,010 |
| Net interest margin | 3.5587% | 1,492 |
| Noninterest income to average assets | 0.9200% | 787 |
| Noninterest expense to average assets | 2.8406% | 1,169 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.3042% | 1,339 |
| Return on assets (ROA) | 1.3109% | 1,282 |
| Pretax return on assets | 1.3109% | 2,012 |
| Return on Equity (ROE) | 14.7200% | 1,237 |
| Retained earnings to average equity (ytd only) | 14.7200% | 389 |
| Net charge-offs to loans | 0.0100% | 1,747 |
| Credit loss provision to net charge-offs | 1,250.0000% | 348 |
| Earnings coverage of net charge-offs (x) | 255.1500% | 531 |
| Efficiency ratio | 67.4408% | 2,097 |
| Assets per employee ($millions) | 5.7342% | 3,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7497% | 4,186 |
| Loan loss allowance to noncurrent loans | 163.1376% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.2507% | 1,966 |
| Noncurrent loans to loans | 0.4596% | 1,652 |
| Net loans and leases to total assets | 54.1500% | 3,085 |
| Net loans and leases to deposits | 61.5341% | 3,066 |
| Net loans and leases to core deposits | 66.3879% | 2,926 |
| Total domestic deposits to total assets | 88.0000% | 2,438 |
| Equity capital to assets | 7.2208% | 3,393 |
| Core capital (leverage) ratio | 11.6999% | 1,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9314% | 1,192 |
| Memoranda: | ||
| Average total assets | $496,128,250 | 1,736 |
| Average earning assets | $459,144,000 | 1,743 |
| Average equity | $44,183,750 | 1,806 |
| Average total loans | $265,389,750 | 1,875 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8002% | 1,319 |
| Cost of funding earning assets | 0.2933% | 1,779 |
| Net interest margin | 3.5068% | 1,296 |
| Noninterest income to average assets | 0.9520% | 747 |
| Noninterest expense to average assets | 2.8443% | 1,093 |
| Loan and lease loss provision to assets | 0.0613% | 1,496 |
| Net operating income to assets | 1.2949% | 1,149 |
| Return on assets (ROA) | 1.3051% | 1,103 |
| Pretax return on assets | 1.3051% | 1,731 |
| Return on Equity (ROE) | 13.7406% | 1,181 |
| Retained earnings to average equity (ytd only) | 13.7406% | 391 |
| Net charge-offs to loans | -0.0023% | 3,159 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7140% | 2,281 |
| Assets per employee ($millions) | 5.7074% | 3,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7525% | 4,258 |
| Loan loss allowance to noncurrent loans | 154.6768% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 0.2504% | 2,066 |
| Noncurrent loans to loans | 0.4865% | 1,655 |
| Net loans and leases to total assets | 51.0931% | 3,255 |
| Net loans and leases to deposits | 58.8170% | 3,149 |
| Net loans and leases to core deposits | 63.5985% | 3,003 |
| Total domestic deposits to total assets | 86.8678% | 2,986 |
| Equity capital to assets | 8.2360% | 2,956 |
| Core capital (leverage) ratio | 11.7493% | 1,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9461% | 1,199 |
| Memoranda: | ||
| Average total assets | $489,477,333 | 1,762 |
| Average earning assets | $453,401,333 | 1,776 |
| Average equity | $46,490,000 | 1,778 |
| Average total loans | $259,993,333 | 1,898 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8815% | 953 |
| Cost of funding earning assets | 0.2146% | 2,602 |
| Net interest margin | 3.6670% | 797 |
| Noninterest income to average assets | 0.9150% | 818 |
| Noninterest expense to average assets | 2.9597% | 869 |
| Loan and lease loss provision to assets | 0.0848% | 980 |
| Net operating income to assets | 1.2619% | 1,086 |
| Return on assets (ROA) | 1.2831% | 1,031 |
| Pretax return on assets | 1.2831% | 1,557 |
| Return on Equity (ROE) | 12.5790% | 1,133 |
| Retained earnings to average equity (ytd only) | 12.5790% | 516 |
| Net charge-offs to loans | -0.0251% | 4,007 |
| Credit loss provision to net charge-offs | -625.0000% | 3,181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7278% | 2,411 |
| Assets per employee ($millions) | 5.2342% | 3,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7633% | 4,295 |
| Loan loss allowance to noncurrent loans | 151.5933% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.2829% | 1,994 |
| Noncurrent loans to loans | 0.5035% | 1,768 |
| Net loans and leases to total assets | 55.7578% | 2,549 |
| Net loans and leases to deposits | 66.3740% | 2,306 |
| Net loans and leases to core deposits | 71.3363% | 2,170 |
| Total domestic deposits to total assets | 84.0055% | 3,768 |
| Equity capital to assets | 9.4252% | 2,343 |
| Core capital (leverage) ratio | 11.0519% | 1,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2589% | 1,702 |
| Memoranda: | ||
| Average total assets | $471,673,500 | 1,823 |
| Average earning assets | $436,220,500 | 1,837 |
| Average equity | $48,112,000 | 1,788 |
| Average total loans | $254,832,000 | 1,912 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0282% | 1,294 |
| Cost of funding earning assets | 0.2559% | 2,858 |
| Net interest margin | 3.7723% | 1,066 |
| Noninterest income to average assets | 1.5535% | 464 |
| Noninterest expense to average assets | 3.2222% | 701 |
| Loan and lease loss provision to assets | 0.0162% | 2,754 |
| Net operating income to assets | 1.8128% | 495 |
| Return on assets (ROA) | 1.8316% | 494 |
| Pretax return on assets | 1.8316% | 849 |
| Return on Equity (ROE) | 15.9746% | 769 |
| Retained earnings to average equity (ytd only) | 6.5678% | 2,098 |
| Net charge-offs to loans | 0.2731% | 328 |
| Credit loss provision to net charge-offs | 10.6082% | 2,307 |
| Earnings coverage of net charge-offs (x) | 11.9929% | 2,131 |
| Efficiency ratio | 63.7913% | 2,593 |
| Assets per employee ($millions) | 5.3056% | 3,470 |
| Cash dividends to net income (ytd only)* | 58.8859% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7587% | 4,328 |
| Loan loss allowance to noncurrent loans | 141.6416% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.3610% | 1,782 |
| Noncurrent loans to loans | 0.5357% | 1,789 |
| Net loans and leases to total assets | 51.5265% | 3,118 |
| Net loans and leases to deposits | 61.8286% | 2,897 |
| Net loans and leases to core deposits | 66.2107% | 2,802 |
| Total domestic deposits to total assets | 83.3376% | 3,729 |
| Equity capital to assets | 10.9564% | 1,816 |
| Core capital (leverage) ratio | 10.6001% | 1,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7703% | 1,588 |
| Memoranda: | ||
| Average total assets | $463,590,000 | 1,801 |
| Average earning assets | $429,843,800 | 1,803 |
| Average equity | $53,153,200 | 1,676 |
| Average total loans | $258,903,600 | 1,885 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1043% | 1,299 |
| Cost of funding earning assets | 0.2692% | 2,908 |
| Net interest margin | 3.8351% | 1,051 |
| Noninterest income to average assets | 1.7332% | 421 |
| Noninterest expense to average assets | 3.0774% | 851 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.2142% | 315 |
| Return on assets (ROA) | 2.2464% | 311 |
| Pretax return on assets | 2.2464% | 504 |
| Return on Equity (ROE) | 19.3690% | 475 |
| Retained earnings to average equity (ytd only) | 16.8704% | 247 |
| Net charge-offs to loans | 0.1310% | 617 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 29.7315% | 1,527 |
| Efficiency ratio | 58.1567% | 3,237 |
| Assets per employee ($millions) | 5.4251% | 3,278 |
| Cash dividends to net income (ytd only)* | 12.8999% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9092% | 4,132 |
| Loan loss allowance to noncurrent loans | 134.6866% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.4485% | 1,683 |
| Noncurrent loans to loans | 0.6750% | 1,628 |
| Net loans and leases to total assets | 51.5024% | 3,248 |
| Net loans and leases to deposits | 63.0153% | 2,956 |
| Net loans and leases to core deposits | 69.5525% | 2,636 |
| Total domestic deposits to total assets | 81.7300% | 3,971 |
| Equity capital to assets | 11.8780% | 1,456 |
| Core capital (leverage) ratio | 11.6534% | 1,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5888% | 1,221 |
| Memoranda: | ||
| Average total assets | $460,112,500 | 1,826 |
| Average earning assets | $426,926,000 | 1,832 |
| Average equity | $53,362,250 | 1,691 |
| Average total loans | $261,649,500 | 1,905 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1086% | 1,330 |
| Cost of funding earning assets | 0.2834% | 2,939 |
| Net interest margin | 3.8252% | 1,101 |
| Noninterest income to average assets | 1.2708% | 722 |
| Noninterest expense to average assets | 3.1218% | 812 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.7022% | 867 |
| Return on assets (ROA) | 1.7374% | 865 |
| Pretax return on assets | 1.7374% | 1,394 |
| Return on Equity (ROE) | 15.1088% | 1,126 |
| Retained earnings to average equity (ytd only) | 11.2809% | 1,062 |
| Net charge-offs to loans | 0.0128% | 1,697 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 227.4706% | 463 |
| Efficiency ratio | 64.7139% | 2,334 |
| Assets per employee ($millions) | 5.0586% | 3,610 |
| Cash dividends to net income (ytd only)* | 25.3357% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9374% | 4,035 |
| Loan loss allowance to noncurrent loans | 168.7627% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.4227% | 1,925 |
| Noncurrent loans to loans | 0.5555% | 2,008 |
| Net loans and leases to total assets | 57.2986% | 2,749 |
| Net loans and leases to deposits | 70.1424% | 2,393 |
| Net loans and leases to core deposits | 77.8327% | 2,059 |
| Total domestic deposits to total assets | 81.6889% | 3,978 |
| Equity capital to assets | 11.5464% | 1,601 |
| Core capital (leverage) ratio | 10.8933% | 1,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3621% | 1,516 |
| Memoranda: | ||
| Average total assets | $454,348,333 | 1,839 |
| Average earning assets | $422,038,333 | 1,837 |
| Average equity | $52,247,667 | 1,710 |
| Average total loans | $266,155,667 | 1,893 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6276% | 629 |
| Cost of funding earning assets | 0.3037% | 2,951 |
| Net interest margin | 4.3239% | 496 |
| Noninterest income to average assets | 1.3072% | 750 |
| Noninterest expense to average assets | 3.1461% | 781 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.1987% | 421 |
| Return on assets (ROA) | 2.1987% | 458 |
| Pretax return on assets | 2.1987% | 692 |
| Return on Equity (ROE) | 19.1600% | 609 |
| Retained earnings to average equity (ytd only) | 19.1600% | 310 |
| Net charge-offs to loans | 0.0075% | 1,629 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 496.2000% | 192 |
| Efficiency ratio | 58.8625% | 3,177 |
| Assets per employee ($millions) | 5.0069% | 3,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9263% | 4,083 |
| Loan loss allowance to noncurrent loans | 84.9932% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 0.7432% | 1,241 |
| Noncurrent loans to loans | 1.0899% | 1,222 |
| Net loans and leases to total assets | 58.8962% | 2,691 |
| Net loans and leases to deposits | 72.0357% | 2,314 |
| Net loans and leases to core deposits | 79.2828% | 2,068 |
| Total domestic deposits to total assets | 81.7598% | 3,941 |
| Equity capital to assets | 11.4770% | 1,555 |
| Core capital (leverage) ratio | 11.1930% | 1,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7356% | 1,374 |
| Memoranda: | ||
| Average total assets | $451,355,500 | 1,838 |
| Average earning assets | $421,473,500 | 1,834 |
| Average equity | $51,795,500 | 1,713 |
| Average total loans | $266,103,000 | 1,893 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2988% | 1,876 |
| Cost of funding earning assets | 0.5963% | 2,341 |
| Net interest margin | 3.7026% | 1,789 |
| Noninterest income to average assets | 1.3765% | 617 |
| Noninterest expense to average assets | 3.2043% | 1,050 |
| Loan and lease loss provision to assets | 0.5269% | 442 |
| Net operating income to assets | 1.0744% | 2,005 |
| Return on assets (ROA) | 1.0782% | 2,133 |
| Pretax return on assets | 1.0782% | 2,775 |
| Return on Equity (ROE) | 9.2870% | 2,288 |
| Retained earnings to average equity (ytd only) | 3.6340% | 3,023 |
| Net charge-offs to loans | 0.5705% | 262 |
| Credit loss provision to net charge-offs | 152.3035% | 2,412 |
| Earnings coverage of net charge-offs (x) | 4.6287% | 2,958 |
| Efficiency ratio | 66.6780% | 2,410 |
| Assets per employee ($millions) | 4.8074% | 3,601 |
| Cash dividends to net income (ytd only)* | 60.8696% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9619% | 3,997 |
| Loan loss allowance to noncurrent loans | 85.7728% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 0.8142% | 1,256 |
| Noncurrent loans to loans | 1.1215% | 1,263 |
| Net loans and leases to total assets | 57.8942% | 3,091 |
| Net loans and leases to deposits | 71.2243% | 2,765 |
| Net loans and leases to core deposits | 77.6156% | 2,586 |
| Total domestic deposits to total assets | 81.2844% | 3,812 |
| Equity capital to assets | 11.4741% | 1,903 |
| Core capital (leverage) ratio | 10.8266% | 1,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2460% | 1,765 |
| Memoranda: | ||
| Average total assets | $426,647,600 | 1,778 |
| Average earning assets | $395,129,000 | 1,784 |
| Average equity | $49,531,800 | 1,707 |
| Average total loans | $258,733,800 | 1,875 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6018% | 1,298 |
| Cost of funding earning assets | 0.6688% | 2,207 |
| Net interest margin | 3.9330% | 1,273 |
| Noninterest income to average assets | 1.2471% | 700 |
| Noninterest expense to average assets | 3.1677% | 1,127 |
| Loan and lease loss provision to assets | 0.5530% | 489 |
| Net operating income to assets | 1.1630% | 1,769 |
| Return on assets (ROA) | 1.1678% | 1,874 |
| Pretax return on assets | 1.1678% | 2,500 |
| Return on Equity (ROE) | 10.0276% | 2,012 |
| Retained earnings to average equity (ytd only) | 7.8548% | 1,357 |
| Net charge-offs to loans | 0.0305% | 2,222 |
| Credit loss provision to net charge-offs | 2,962.7119% | 354 |
| Earnings coverage of net charge-offs (x) | 91.9492% | 838 |
| Efficiency ratio | 64.8640% | 2,619 |
| Assets per employee ($millions) | 4.8105% | 3,479 |
| Cash dividends to net income (ytd only)* | 21.6685% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1538% | 2,919 |
| Loan loss allowance to noncurrent loans | 78.3951% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 1.1485% | 897 |
| Noncurrent loans to loans | 1.4717% | 981 |
| Net loans and leases to total assets | 66.3782% | 2,468 |
| Net loans and leases to deposits | 85.2154% | 1,789 |
| Net loans and leases to core deposits | 95.4561% | 1,508 |
| Total domestic deposits to total assets | 77.8946% | 4,216 |
| Equity capital to assets | 11.8264% | 1,782 |
| Core capital (leverage) ratio | 10.9997% | 1,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2498% | 1,199 |
| Memoranda: | ||
| Average total assets | $421,538,000 | 1,771 |
| Average earning assets | $389,749,750 | 1,780 |
| Average equity | $49,090,000 | 1,710 |
| Average total loans | $258,079,500 | 1,872 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9690% | 878 |
| Cost of funding earning assets | 0.7624% | 2,036 |
| Net interest margin | 4.2065% | 907 |
| Noninterest income to average assets | 1.1681% | 731 |
| Noninterest expense to average assets | 3.1284% | 1,289 |
| Loan and lease loss provision to assets | 0.7642% | 328 |
| Net operating income to assets | 1.1565% | 1,773 |
| Return on assets (ROA) | 1.1565% | 1,907 |
| Pretax return on assets | 1.1565% | 2,518 |
| Return on Equity (ROE) | 9.9861% | 1,988 |
| Retained earnings to average equity (ytd only) | 6.6532% | 1,797 |
| Net charge-offs to loans | 0.0310% | 2,104 |
| Credit loss provision to net charge-offs | 4,168.4211% | 269 |
| Earnings coverage of net charge-offs (x) | 104.7632% | 681 |
| Efficiency ratio | 61.9589% | 3,135 |
| Assets per employee ($millions) | 4.9306% | 3,263 |
| Cash dividends to net income (ytd only)* | 33.3751% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1364% | 2,848 |
| Loan loss allowance to noncurrent loans | 68.5506% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.1527% | 962 |
| Noncurrent loans to loans | 1.6577% | 879 |
| Net loans and leases to total assets | 63.0401% | 3,001 |
| Net loans and leases to deposits | 83.5267% | 2,040 |
| Net loans and leases to core deposits | 94.0392% | 1,734 |
| Total domestic deposits to total assets | 75.4730% | 4,479 |
| Equity capital to assets | 11.1953% | 2,186 |
| Core capital (leverage) ratio | 10.8357% | 2,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8772% | 1,277 |
| Memoranda: | ||
| Average total assets | $414,527,333 | 1,765 |
| Average earning assets | $382,452,333 | 1,776 |
| Average equity | $48,006,667 | 1,739 |
| Average total loans | $245,039,667 | 1,937 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4321% | 2,502 |
| Cost of funding earning assets | 0.9478% | 1,653 |
| Net interest margin | 3.4843% | 3,036 |
| Noninterest income to average assets | 1.2993% | 530 |
| Noninterest expense to average assets | 3.2315% | 1,361 |
| Loan and lease loss provision to assets | 0.4588% | 651 |
| Net operating income to assets | 0.8294% | 2,801 |
| Return on assets (ROA) | 0.8294% | 2,885 |
| Pretax return on assets | 0.8294% | 3,334 |
| Return on Equity (ROE) | 7.0273% | 2,937 |
| Retained earnings to average equity (ytd only) | 0.1630% | 3,951 |
| Net charge-offs to loans | 0.0664% | 1,359 |
| Credit loss provision to net charge-offs | 1,224.3243% | 498 |
| Earnings coverage of net charge-offs (x) | 34.3784% | 1,105 |
| Efficiency ratio | 71.4990% | 2,157 |
| Assets per employee ($millions) | 4.0670% | 3,832 |
| Cash dividends to net income (ytd only)* | 97.6801% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 3,849 |
| Loan loss allowance to noncurrent loans | 42.5780% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 1.4259% | 774 |
| Noncurrent loans to loans | 2.2762% | 558 |
| Net loans and leases to total assets | 57.0470% | 3,751 |
| Net loans and leases to deposits | 74.2552% | 3,245 |
| Net loans and leases to core deposits | 82.2611% | 3,002 |
| Total domestic deposits to total assets | 76.8256% | 4,376 |
| Equity capital to assets | 11.8467% | 2,183 |
| Core capital (leverage) ratio | 11.9304% | 1,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9138% | 1,368 |
| Memoranda: | ||
| Average total assets | $394,981,500 | 1,787 |
| Average earning assets | $365,064,500 | 1,794 |
| Average equity | $46,618,000 | 1,772 |
| Average total loans | $222,935,000 | 2,033 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8177% | 1,992 |
| Cost of funding earning assets | 1.2230% | 966 |
| Net interest margin | 3.5947% | 3,151 |
| Noninterest income to average assets | 1.0469% | 864 |
| Noninterest expense to average assets | 2.9969% | 2,027 |
| Loan and lease loss provision to assets | 0.3678% | 406 |
| Net operating income to assets | 0.9910% | 2,878 |
| Return on assets (ROA) | 0.9934% | 2,953 |
| Pretax return on assets | 0.9934% | 3,474 |
| Return on Equity (ROE) | 8.2854% | 3,045 |
| Retained earnings to average equity (ytd only) | 4.3669% | 2,781 |
| Net charge-offs to loans | 0.5602% | 327 |
| Credit loss provision to net charge-offs | 107.7217% | 2,308 |
| Earnings coverage of net charge-offs (x) | 3.9801% | 3,267 |
| Efficiency ratio | 68.8039% | 2,344 |
| Assets per employee ($millions) | 4.4352% | 3,326 |
| Cash dividends to net income (ytd only)* | 47.2937% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7801% | 4,370 |
| Loan loss allowance to noncurrent loans | 32.5547% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 1.7019% | 541 |
| Noncurrent loans to loans | 2.3963% | 476 |
| Net loans and leases to total assets | 54.8965% | 4,009 |
| Net loans and leases to deposits | 68.7783% | 3,752 |
| Net loans and leases to core deposits | 75.7488% | 3,588 |
| Total domestic deposits to total assets | 79.8167% | 4,013 |
| Equity capital to assets | 11.7604% | 2,314 |
| Core capital (leverage) ratio | 12.0033% | 1,778 |
| Tier 1 risk-based capital ratio | 16.7641% | 2,134 |
| Total risk-based capital ratio | 17.4086% | 2,297 |
| Memoranda: | ||
| Average total assets | $383,133,400 | 1,792 |
| Average earning assets | $352,658,800 | 1,805 |
| Average equity | $45,936,400 | 1,725 |
| Average total loans | $233,498,200 | 1,935 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9544% | 1,665 |
| Cost of funding earning assets | 1.2764% | 846 |
| Net interest margin | 3.6780% | 3,001 |
| Noninterest income to average assets | 0.9614% | 1,023 |
| Noninterest expense to average assets | 3.0624% | 1,800 |
| Loan and lease loss provision to assets | 0.4611% | 268 |
| Net operating income to assets | 0.8263% | 3,591 |
| Return on assets (ROA) | 0.8298% | 3,659 |
| Pretax return on assets | 0.8298% | 4,053 |
| Return on Equity (ROE) | 6.8839% | 3,727 |
| Retained earnings to average equity (ytd only) | 3.9571% | 3,420 |
| Net charge-offs to loans | 0.6414% | 250 |
| Credit loss provision to net charge-offs | 115.1542% | 2,024 |
| Earnings coverage of net charge-offs (x) | 3.2150% | 3,125 |
| Efficiency ratio | 70.4031% | 2,062 |
| Assets per employee ($millions) | 4.2832% | 3,508 |
| Cash dividends to net income (ytd only)* | 42.5170% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7904% | 4,437 |
| Loan loss allowance to noncurrent loans | 34.2852% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 1.8057% | 549 |
| Noncurrent loans to loans | 2.3054% | 531 |
| Net loans and leases to total assets | 60.3743% | 3,643 |
| Net loans and leases to deposits | 77.3359% | 3,166 |
| Net loans and leases to core deposits | 88.0444% | 2,723 |
| Total domestic deposits to total assets | 78.0676% | 4,330 |
| Equity capital to assets | 12.5389% | 1,887 |
| Core capital (leverage) ratio | 11.9157% | 1,910 |
| Tier 1 risk-based capital ratio | 15.6585% | 2,579 |
| Total risk-based capital ratio | 16.2943% | 2,756 |
| Memoranda: | ||
| Average total assets | $377,913,000 | 1,825 |
| Average earning assets | $348,154,500 | 1,836 |
| Average equity | $45,554,250 | 1,740 |
| Average total loans | $235,943,500 | 1,927 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9788% | 1,537 |
| Cost of funding earning assets | 1.2628% | 837 |
| Net interest margin | 3.7161% | 2,881 |
| Noninterest income to average assets | 0.9586% | 958 |
| Noninterest expense to average assets | 3.0504% | 1,863 |
| Loan and lease loss provision to assets | 0.6424% | 168 |
| Net operating income to assets | 0.6937% | 4,025 |
| Return on assets (ROA) | 0.6990% | 4,069 |
| Pretax return on assets | 0.6990% | 4,331 |
| Return on Equity (ROE) | 5.8775% | 4,083 |
| Retained earnings to average equity (ytd only) | 1.4316% | 4,312 |
| Net charge-offs to loans | 0.2503% | 671 |
| Credit loss provision to net charge-offs | 407.7181% | 705 |
| Earnings coverage of net charge-offs (x) | 8.4799% | 2,410 |
| Efficiency ratio | 69.5395% | 2,302 |
| Assets per employee ($millions) | 4.3499% | 3,366 |
| Cash dividends to net income (ytd only)* | 75.6430% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0280% | 3,450 |
| Loan loss allowance to noncurrent loans | 40.0251% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 1.8053% | 561 |
| Noncurrent loans to loans | 2.5685% | 447 |
| Net loans and leases to total assets | 65.0221% | 3,234 |
| Net loans and leases to deposits | 83.4863% | 2,547 |
| Net loans and leases to core deposits | 95.9102% | 2,080 |
| Total domestic deposits to total assets | 77.8835% | 4,419 |
| Equity capital to assets | 12.1120% | 2,109 |
| Core capital (leverage) ratio | 11.6786% | 2,035 |
| Tier 1 risk-based capital ratio | 14.8899% | 2,886 |
| Total risk-based capital ratio | 15.7623% | 2,982 |
| Memoranda: | ||
| Average total assets | $378,243,330 | 1,834 |
| Average earning assets | $348,917,000 | 1,840 |
| Average equity | $44,985,000 | 1,753 |
| Average total loans | $238,132,330 | 1,921 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9615% | 1,437 |
| Cost of funding earning assets | 1.2260% | 835 |
| Net interest margin | 3.7355% | 2,762 |
| Noninterest income to average assets | 0.8092% | 1,276 |
| Noninterest expense to average assets | 3.0073% | 1,977 |
| Loan and lease loss provision to assets | -0.0190% | 5,223 |
| Net operating income to assets | 1.2598% | 1,845 |
| Return on assets (ROA) | 1.2704% | 1,859 |
| Pretax return on assets | 1.2704% | 2,568 |
| Return on Equity (ROE) | 10.7812% | 2,036 |
| Retained earnings to average equity (ytd only) | 10.7812% | 854 |
| Net charge-offs to loans | 0.3212% | 470 |
| Credit loss provision to net charge-offs | -9.6257% | 3,431 |
| Earnings coverage of net charge-offs (x) | 6.2727% | 2,204 |
| Efficiency ratio | 70.7918% | 2,224 |
| Assets per employee ($millions) | 4.1964% | 3,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6177% | 4,903 |
| Loan loss allowance to noncurrent loans | 79.5455% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 0.6718% | 2,086 |
| Noncurrent loans to loans | 0.7766% | 2,090 |
| Net loans and leases to total assets | 61.8160% | 3,522 |
| Net loans and leases to deposits | 79.0986% | 2,943 |
| Net loans and leases to core deposits | 89.2035% | 2,586 |
| Total domestic deposits to total assets | 78.1506% | 4,493 |
| Equity capital to assets | 12.2372% | 1,888 |
| Core capital (leverage) ratio | 11.9374% | 1,812 |
| Tier 1 risk-based capital ratio | 15.7419% | 2,554 |
| Total risk-based capital ratio | 16.2495% | 2,812 |
| Memoranda: | ||
| Average total assets | $378,144,000 | 1,846 |
| Average earning assets | $348,121,000 | 1,857 |
| Average equity | $44,559,000 | 1,757 |
| Average total loans | $232,885,000 | 1,971 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9004% | 1,288 |
| Cost of funding earning assets | 0.9914% | 787 |
| Net interest margin | 3.9090% | 2,300 |
| Noninterest income to average assets | 0.9582% | 1,042 |
| Noninterest expense to average assets | 3.1108% | 1,775 |
| Loan and lease loss provision to assets | 0.3376% | 459 |
| Net operating income to assets | 1.1266% | 2,488 |
| Return on assets (ROA) | 1.1301% | 2,472 |
| Pretax return on assets | 1.1301% | 3,168 |
| Return on Equity (ROE) | 9.6447% | 2,667 |
| Retained earnings to average equity (ytd only) | 4.9330% | 2,801 |
| Net charge-offs to loans | 0.7258% | 220 |
| Credit loss provision to net charge-offs | 70.4899% | 2,982 |
| Earnings coverage of net charge-offs (x) | 3.0571% | 3,452 |
| Efficiency ratio | 67.9961% | 2,550 |
| Assets per employee ($millions) | 4.3012% | 3,459 |
| Cash dividends to net income (ytd only)* | 48.8520% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7025% | 4,802 |
| Loan loss allowance to noncurrent loans | 80.8280% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 0.7252% | 1,909 |
| Noncurrent loans to loans | 0.8691% | 1,853 |
| Net loans and leases to total assets | 60.5589% | 3,707 |
| Net loans and leases to deposits | 76.7564% | 3,294 |
| Net loans and leases to core deposits | 85.9695% | 2,919 |
| Total domestic deposits to total assets | 78.8976% | 4,332 |
| Equity capital to assets | 11.3411% | 2,378 |
| Core capital (leverage) ratio | 11.9234% | 1,790 |
| Tier 1 risk-based capital ratio | 15.5847% | 2,582 |
| Total risk-based capital ratio | 16.1749% | 2,791 |
| Memoranda: | ||
| Average total assets | $362,253,400 | 1,866 |
| Average earning assets | $335,178,200 | 1,868 |
| Average equity | $42,448,400 | 1,764 |
| Average total loans | $239,044,800 | 1,886 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9166% | 1,123 |
| Cost of funding earning assets | 0.9525% | 740 |
| Net interest margin | 3.9641% | 2,072 |
| Noninterest income to average assets | 0.9618% | 1,031 |
| Noninterest expense to average assets | 3.1731% | 1,588 |
| Loan and lease loss provision to assets | 0.4223% | 300 |
| Net operating income to assets | 1.0428% | 2,901 |
| Return on assets (ROA) | 1.0469% | 2,890 |
| Pretax return on assets | 1.0469% | 3,583 |
| Return on Equity (ROE) | 8.8577% | 3,150 |
| Retained earnings to average equity (ytd only) | 5.6987% | 2,826 |
| Net charge-offs to loans | 0.9216% | 154 |
| Credit loss provision to net charge-offs | 68.0505% | 2,654 |
| Earnings coverage of net charge-offs (x) | 2.3610% | 3,248 |
| Efficiency ratio | 68.4134% | 2,461 |
| Assets per employee ($millions) | 3.9670% | 3,940 |
| Cash dividends to net income (ytd only)* | 35.6634% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6546% | 4,963 |
| Loan loss allowance to noncurrent loans | 75.0347% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 0.8352% | 1,774 |
| Noncurrent loans to loans | 0.8724% | 1,956 |
| Net loans and leases to total assets | 68.1025% | 2,918 |
| Net loans and leases to deposits | 88.0712% | 2,148 |
| Net loans and leases to core deposits | 100.3359% | 1,759 |
| Total domestic deposits to total assets | 77.3267% | 4,585 |
| Equity capital to assets | 11.7898% | 2,038 |
| Core capital (leverage) ratio | 11.8488% | 1,880 |
| Tier 1 risk-based capital ratio | 15.3025% | 2,739 |
| Total risk-based capital ratio | 15.8789% | 2,978 |
| Memoranda: | ||
| Average total assets | $357,115,750 | 1,894 |
| Average earning assets | $331,196,000 | 1,893 |
| Average equity | $42,207,000 | 1,774 |
| Average total loans | $240,440,500 | 1,888 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8120% | 1,215 |
| Cost of funding earning assets | 0.8822% | 784 |
| Net interest margin | 3.9298% | 2,108 |
| Noninterest income to average assets | 0.8628% | 1,284 |
| Noninterest expense to average assets | 3.1842% | 1,581 |
| Loan and lease loss provision to assets | 0.5334% | 208 |
| Net operating income to assets | 0.7982% | 3,861 |
| Return on assets (ROA) | 0.8015% | 3,848 |
| Pretax return on assets | 0.8015% | 4,238 |
| Return on Equity (ROE) | 6.7761% | 3,965 |
| Retained earnings to average equity (ytd only) | 2.0243% | 4,445 |
| Net charge-offs to loans | 1.3759% | 95 |
| Credit loss provision to net charge-offs | 57.9365% | 2,441 |
| Earnings coverage of net charge-offs (x) | 1.4463% | 3,061 |
| Efficiency ratio | 70.5128% | 2,238 |
| Assets per employee ($millions) | 3.8948% | 4,065 |
| Cash dividends to net income (ytd only)* | 70.1262% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5869% | 5,126 |
| Loan loss allowance to noncurrent loans | 63.9423% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 0.7711% | 1,935 |
| Noncurrent loans to loans | 0.9178% | 1,885 |
| Net loans and leases to total assets | 68.4191% | 2,809 |
| Net loans and leases to deposits | 88.9314% | 1,994 |
| Net loans and leases to core deposits | 100.6698% | 1,679 |
| Total domestic deposits to total assets | 76.9348% | 4,744 |
| Equity capital to assets | 11.4702% | 2,221 |
| Core capital (leverage) ratio | 11.5678% | 2,015 |
| Tier 1 risk-based capital ratio | 14.4141% | 3,156 |
| Total risk-based capital ratio | 14.9206% | 3,436 |
| Memoranda: | ||
| Average total assets | $355,822,000 | 1,908 |
| Average earning assets | $330,757,000 | 1,904 |
| Average equity | $42,089,000 | 1,786 |
| Average total loans | $238,098,000 | 1,905 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7044% | 1,299 |
| Cost of funding earning assets | 0.8263% | 846 |
| Net interest margin | 3.8781% | 2,129 |
| Noninterest income to average assets | 0.8269% | 1,370 |
| Noninterest expense to average assets | 3.1909% | 1,587 |
| Loan and lease loss provision to assets | 0.0510% | 2,757 |
| Net operating income to assets | 1.1945% | 2,028 |
| Return on assets (ROA) | 1.2013% | 2,011 |
| Pretax return on assets | 1.2013% | 2,744 |
| Return on Equity (ROE) | 10.0000% | 2,428 |
| Retained earnings to average equity (ytd only) | 10.0000% | 1,153 |
| Net charge-offs to loans | 0.0843% | 1,304 |
| Credit loss provision to net charge-offs | 91.8367% | 1,658 |
| Earnings coverage of net charge-offs (x) | 22.4082% | 1,399 |
| Efficiency ratio | 71.9253% | 2,207 |
| Assets per employee ($millions) | 3.8580% | 4,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9023% | 4,442 |
| Loan loss allowance to noncurrent loans | 53.7556% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 1.2573% | 1,186 |
| Noncurrent loans to loans | 1.6784% | 1,019 |
| Net loans and leases to total assets | 67.1672% | 2,868 |
| Net loans and leases to deposits | 87.2212% | 2,028 |
| Net loans and leases to core deposits | 101.6247% | 1,565 |
| Total domestic deposits to total assets | 77.0079% | 4,853 |
| Equity capital to assets | 12.0920% | 1,719 |
| Core capital (leverage) ratio | 12.0016% | 1,651 |
| Tier 1 risk-based capital ratio | 15.3611% | 2,710 |
| Total risk-based capital ratio | 16.1414% | 2,858 |
| Memoranda: | ||
| Average total assets | $352,625,000 | 1,937 |
| Average earning assets | $328,204,500 | 1,930 |
| Average equity | $42,360,000 | 1,780 |
| Average total loans | $232,503,000 | 1,944 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5826% | 1,483 |
| Cost of funding earning assets | 0.6824% | 1,122 |
| Net interest margin | 3.9001% | 2,088 |
| Noninterest income to average assets | 1.0860% | 863 |
| Noninterest expense to average assets | 3.2523% | 1,492 |
| Loan and lease loss provision to assets | 0.2189% | 902 |
| Net operating income to assets | 1.2437% | 1,379 |
| Return on assets (ROA) | 1.2616% | 1,346 |
| Pretax return on assets | 1.2616% | 2,499 |
| Return on Equity (ROE) | 10.4095% | 1,716 |
| Retained earnings to average equity (ytd only) | 3.7383% | 2,986 |
| Net charge-offs to loans | 0.0966% | 2,116 |
| Credit loss provision to net charge-offs | 360.9524% | 817 |
| Earnings coverage of net charge-offs (x) | 24.1190% | 1,771 |
| Efficiency ratio | 68.9797% | 2,705 |
| Assets per employee ($millions) | 3.8920% | 4,135 |
| Cash dividends to net income (ytd only)* | 64.0879% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9478% | 4,224 |
| Loan loss allowance to noncurrent loans | 54.2475% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 1.2302% | 1,188 |
| Noncurrent loans to loans | 1.7472% | 924 |
| Net loans and leases to total assets | 63.4995% | 3,420 |
| Net loans and leases to deposits | 83.4558% | 2,558 |
| Net loans and leases to core deposits | 98.1140% | 1,853 |
| Total domestic deposits to total assets | 76.0876% | 4,971 |
| Equity capital to assets | 11.9342% | 1,876 |
| Core capital (leverage) ratio | 11.6878% | 1,801 |
| Tier 1 risk-based capital ratio | 15.5905% | 2,589 |
| Total risk-based capital ratio | 16.4047% | 2,699 |
| Memoranda: | ||
| Average total assets | $346,306,200 | 1,936 |
| Average earning assets | $322,221,800 | 1,929 |
| Average equity | $41,971,200 | 1,776 |
| Average total loans | $217,304,200 | 2,019 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5631% | 1,468 |
| Cost of funding earning assets | 0.6541% | 1,209 |
| Net interest margin | 3.9090% | 2,012 |
| Noninterest income to average assets | 0.9467% | 1,149 |
| Noninterest expense to average assets | 3.2994% | 1,347 |
| Loan and lease loss provision to assets | 0.2405% | 737 |
| Net operating income to assets | 1.0466% | 2,347 |
| Return on assets (ROA) | 1.0482% | 2,379 |
| Pretax return on assets | 1.0482% | 3,495 |
| Return on Equity (ROE) | 8.6145% | 2,804 |
| Retained earnings to average equity (ytd only) | 5.4322% | 2,579 |
| Net charge-offs to loans | 0.1204% | 1,587 |
| Credit loss provision to net charge-offs | 320.1031% | 937 |
| Earnings coverage of net charge-offs (x) | 17.1340% | 2,117 |
| Efficiency ratio | 71.9375% | 2,215 |
| Assets per employee ($millions) | 3.9011% | 4,159 |
| Cash dividends to net income (ytd only)* | 36.9413% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8799% | 4,650 |
| Loan loss allowance to noncurrent loans | 74.2325% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 0.9113% | 1,873 |
| Noncurrent loans to loans | 1.1853% | 1,620 |
| Net loans and leases to total assets | 64.4488% | 3,329 |
| Net loans and leases to deposits | 85.2742% | 2,397 |
| Net loans and leases to core deposits | 102.3385% | 1,521 |
| Total domestic deposits to total assets | 75.5784% | 5,065 |
| Equity capital to assets | 12.2011% | 1,834 |
| Core capital (leverage) ratio | 11.9035% | 1,754 |
| Tier 1 risk-based capital ratio | 15.3360% | 2,779 |
| Total risk-based capital ratio | 16.0894% | 2,923 |
| Memoranda: | ||
| Average total assets | $344,340,750 | 1,953 |
| Average earning assets | $320,620,500 | 1,945 |
| Average equity | $41,897,250 | 1,794 |
| Average total loans | $214,868,500 | 2,045 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4879% | 1,548 |
| Cost of funding earning assets | 0.6131% | 1,372 |
| Net interest margin | 3.8748% | 2,020 |
| Noninterest income to average assets | 0.9302% | 1,185 |
| Noninterest expense to average assets | 3.3387% | 1,295 |
| Loan and lease loss provision to assets | 0.2160% | 823 |
| Net operating income to assets | 0.9953% | 2,447 |
| Return on assets (ROA) | 0.9942% | 2,503 |
| Pretax return on assets | 0.9942% | 3,590 |
| Return on Equity (ROE) | 8.1786% | 2,925 |
| Retained earnings to average equity (ytd only) | 3.3506% | 3,722 |
| Net charge-offs to loans | 0.1833% | 1,084 |
| Credit loss provision to net charge-offs | 191.6667% | 1,312 |
| Earnings coverage of net charge-offs (x) | 10.7500% | 2,326 |
| Efficiency ratio | 73.3780% | 2,112 |
| Assets per employee ($millions) | 3.8816% | 4,155 |
| Cash dividends to net income (ytd only)* | 59.0319% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8012% | 4,951 |
| Loan loss allowance to noncurrent loans | 65.1061% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 0.9645% | 1,819 |
| Noncurrent loans to loans | 1.2305% | 1,578 |
| Net loans and leases to total assets | 63.7990% | 3,416 |
| Net loans and leases to deposits | 83.8651% | 2,502 |
| Net loans and leases to core deposits | 102.7626% | 1,451 |
| Total domestic deposits to total assets | 76.0734% | 5,085 |
| Equity capital to assets | 12.3296% | 1,714 |
| Core capital (leverage) ratio | 11.8260% | 1,748 |
| Tier 1 risk-based capital ratio | 15.0695% | 2,894 |
| Total risk-based capital ratio | 15.7346% | 3,096 |
| Memoranda: | ||
| Average total assets | $340,787,330 | 1,977 |
| Average earning assets | $318,364,000 | 1,961 |
| Average equity | $41,425,000 | 1,811 |
| Average total loans | $209,549,670 | 2,090 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4454% | 1,511 |
| Cost of funding earning assets | 0.5773% | 1,529 |
| Net interest margin | 3.8681% | 1,895 |
| Noninterest income to average assets | 0.9278% | 1,170 |
| Noninterest expense to average assets | 3.3104% | 1,368 |
| Loan and lease loss provision to assets | 0.0898% | 2,043 |
| Net operating income to assets | 1.1464% | 1,683 |
| Return on assets (ROA) | 1.1452% | 1,728 |
| Pretax return on assets | 1.1452% | 2,795 |
| Return on Equity (ROE) | 9.4906% | 2,190 |
| Retained earnings to average equity (ytd only) | -0.3036% | 4,967 |
| Net charge-offs to loans | 0.1220% | 1,189 |
| Credit loss provision to net charge-offs | 122.5806% | 1,373 |
| Earnings coverage of net charge-offs (x) | 16.8710% | 1,625 |
| Efficiency ratio | 72.8100% | 2,442 |
| Assets per employee ($millions) | 3.8147% | 4,326 |
| Cash dividends to net income (ytd only)* | 103.1992% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7704% | 5,147 |
| Loan loss allowance to noncurrent loans | 59.1590% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 1.0065% | 1,809 |
| Noncurrent loans to loans | 1.3023% | 1,554 |
| Net loans and leases to total assets | 61.3837% | 3,614 |
| Net loans and leases to deposits | 80.2492% | 2,715 |
| Net loans and leases to core deposits | 95.4798% | 1,855 |
| Total domestic deposits to total assets | 76.4913% | 5,174 |
| Equity capital to assets | 12.0968% | 1,770 |
| Core capital (leverage) ratio | 11.7851% | 1,761 |
| Tier 1 risk-based capital ratio | 14.8143% | 3,059 |
| Total risk-based capital ratio | 15.4195% | 3,294 |
| Memoranda: | ||
| Average total assets | $338,451,000 | 2,000 |
| Average earning assets | $316,642,000 | 1,986 |
| Average equity | $40,840,500 | 1,828 |
| Average total loans | $203,234,500 | 2,148 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4307% | 1,743 |
| Cost of funding earning assets | 0.5147% | 1,981 |
| Net interest margin | 3.9160% | 1,918 |
| Noninterest income to average assets | 1.0103% | 1,114 |
| Noninterest expense to average assets | 3.3500% | 1,467 |
| Loan and lease loss provision to assets | 0.2016% | 1,143 |
| Net operating income to assets | 1.1505% | 1,692 |
| Return on assets (ROA) | 1.1812% | 1,666 |
| Pretax return on assets | 1.1812% | 2,757 |
| Return on Equity (ROE) | 9.3760% | 2,239 |
| Retained earnings to average equity (ytd only) | 4.1220% | 2,972 |
| Net charge-offs to loans | 0.1244% | 2,010 |
| Credit loss provision to net charge-offs | 272.3577% | 1,062 |
| Earnings coverage of net charge-offs (x) | 18.2683% | 1,977 |
| Efficiency ratio | 71.2458% | 2,704 |
| Assets per employee ($millions) | 3.5516% | 4,676 |
| Cash dividends to net income (ytd only)* | 56.0367% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8165% | 5,063 |
| Loan loss allowance to noncurrent loans | 55.6751% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 1.0308% | 1,837 |
| Noncurrent loans to loans | 1.4665% | 1,382 |
| Net loans and leases to total assets | 57.7499% | 4,089 |
| Net loans and leases to deposits | 75.6955% | 3,352 |
| Net loans and leases to core deposits | 89.4446% | 2,557 |
| Total domestic deposits to total assets | 76.2924% | 5,216 |
| Equity capital to assets | 12.0368% | 1,776 |
| Core capital (leverage) ratio | 11.7718% | 1,739 |
| Tier 1 risk-based capital ratio | 16.6544% | 2,290 |
| Total risk-based capital ratio | 17.3283% | 2,448 |
| Memoranda: | ||
| Average total assets | $332,383,400 | 1,990 |
| Average earning assets | $313,356,200 | 1,956 |
| Average equity | $41,873,000 | 1,770 |
| Average total loans | $197,816,800 | 2,132 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4766% | 1,618 |
| Cost of funding earning assets | 0.5079% | 2,037 |
| Net interest margin | 3.9687% | 1,756 |
| Noninterest income to average assets | 0.9994% | 1,151 |
| Noninterest expense to average assets | 3.4266% | 1,300 |
| Loan and lease loss provision to assets | 0.2698% | 662 |
| Net operating income to assets | 1.0441% | 2,228 |
| Return on assets (ROA) | 1.0839% | 2,168 |
| Pretax return on assets | 1.0839% | 3,300 |
| Return on Equity (ROE) | 8.5077% | 2,758 |
| Retained earnings to average equity (ytd only) | 5.3473% | 2,588 |
| Net charge-offs to loans | 0.1662% | 1,377 |
| Credit loss provision to net charge-offs | 271.2551% | 1,133 |
| Earnings coverage of net charge-offs (x) | 13.2103% | 2,328 |
| Efficiency ratio | 72.2840% | 2,536 |
| Assets per employee ($millions) | 3.6397% | 4,583 |
| Cash dividends to net income (ytd only)* | 37.1471% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7728% | 5,267 |
| Loan loss allowance to noncurrent loans | 584.6715% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.2707% | 4,349 |
| Noncurrent loans to loans | 0.1322% | 4,813 |
| Net loans and leases to total assets | 60.1208% | 3,858 |
| Net loans and leases to deposits | 79.5311% | 3,016 |
| Net loans and leases to core deposits | 95.1296% | 2,086 |
| Total domestic deposits to total assets | 75.5940% | 5,278 |
| Equity capital to assets | 12.7211% | 1,635 |
| Core capital (leverage) ratio | 11.8802% | 1,763 |
| Tier 1 risk-based capital ratio | 16.3583% | 2,466 |
| Total risk-based capital ratio | 17.0199% | 2,653 |
| Memoranda: | ||
| Average total assets | $331,129,750 | 2,002 |
| Average earning assets | $312,132,000 | 1,963 |
| Average equity | $42,188,250 | 1,760 |
| Average total loans | $198,158,250 | 2,137 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4638% | 1,629 |
| Cost of funding earning assets | 0.5014% | 2,092 |
| Net interest margin | 3.9624% | 1,763 |
| Noninterest income to average assets | 1.0444% | 1,027 |
| Noninterest expense to average assets | 3.4435% | 1,282 |
| Loan and lease loss provision to assets | 0.3872% | 401 |
| Net operating income to assets | 0.9497% | 2,624 |
| Return on assets (ROA) | 0.9693% | 2,669 |
| Pretax return on assets | 0.9693% | 3,706 |
| Return on Equity (ROE) | 7.6036% | 3,200 |
| Retained earnings to average equity (ytd only) | 2.8124% | 4,110 |
| Net charge-offs to loans | 0.1220% | 1,617 |
| Credit loss provision to net charge-offs | 532.7731% | 627 |
| Earnings coverage of net charge-offs (x) | 18.3950% | 1,825 |
| Efficiency ratio | 72.0327% | 2,650 |
| Assets per employee ($millions) | 3.5836% | 4,620 |
| Cash dividends to net income (ytd only)* | 63.0120% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8136% | 5,245 |
| Loan loss allowance to noncurrent loans | 613.7681% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.2817% | 4,367 |
| Noncurrent loans to loans | 0.1326% | 4,907 |
| Net loans and leases to total assets | 61.3035% | 3,708 |
| Net loans and leases to deposits | 81.1872% | 2,794 |
| Net loans and leases to core deposits | 97.9268% | 1,814 |
| Total domestic deposits to total assets | 75.5088% | 5,352 |
| Equity capital to assets | 12.5797% | 1,721 |
| Core capital (leverage) ratio | 11.8203% | 1,751 |
| Tier 1 risk-based capital ratio | 15.8402% | 2,718 |
| Total risk-based capital ratio | 16.5371% | 2,876 |
| Memoranda: | ||
| Average total assets | $327,462,000 | 2,031 |
| Average earning assets | $308,750,330 | 1,990 |
| Average equity | $41,743,330 | 1,776 |
| Average total loans | $195,112,670 | 2,168 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4356% | 1,698 |
| Cost of funding earning assets | 0.4937% | 2,153 |
| Net interest margin | 3.9419% | 1,808 |
| Noninterest income to average assets | 1.1525% | 830 |
| Noninterest expense to average assets | 3.5419% | 1,108 |
| Loan and lease loss provision to assets | 0.0074% | 3,585 |
| Net operating income to assets | 1.3335% | 1,176 |
| Return on assets (ROA) | 1.3521% | 1,199 |
| Pretax return on assets | 1.3521% | 2,084 |
| Return on Equity (ROE) | 10.5342% | 1,768 |
| Retained earnings to average equity (ytd only) | 10.5342% | 733 |
| Net charge-offs to loans | 0.0445% | 2,124 |
| Credit loss provision to net charge-offs | 28.5714% | 2,235 |
| Earnings coverage of net charge-offs (x) | 51.5238% | 871 |
| Efficiency ratio | 72.5381% | 2,718 |
| Assets per employee ($millions) | 3.6082% | 4,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6118% | 5,729 |
| Loan loss allowance to noncurrent loans | 449.8069% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.3129% | 4,322 |
| Noncurrent loans to loans | 0.1360% | 4,933 |
| Net loans and leases to total assets | 58.2761% | 4,015 |
| Net loans and leases to deposits | 76.6178% | 3,154 |
| Net loans and leases to core deposits | 89.7456% | 2,399 |
| Total domestic deposits to total assets | 76.0608% | 5,406 |
| Equity capital to assets | 13.0568% | 1,387 |
| Core capital (leverage) ratio | 12.1785% | 1,507 |
| Tier 1 risk-based capital ratio | 17.4655% | 2,129 |
| Total risk-based capital ratio | 17.9872% | 2,331 |
| Memoranda: | ||
| Average total assets | $322,763,000 | 2,069 |
| Average earning assets | $305,439,000 | 2,021 |
| Average equity | $41,427,000 | 1,783 |
| Average total loans | $188,568,500 | 2,226 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3390% | 2,093 |
| Cost of funding earning assets | 0.4838% | 2,323 |
| Net interest margin | 3.8552% | 2,180 |
| Noninterest income to average assets | 1.0652% | 1,039 |
| Noninterest expense to average assets | 3.3640% | 1,562 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3460% | 1,165 |
| Return on assets (ROA) | 1.3706% | 1,147 |
| Pretax return on assets | 1.3706% | 2,021 |
| Return on Equity (ROE) | 10.9614% | 1,629 |
| Retained earnings to average equity (ytd only) | 4.4872% | 2,791 |
| Net charge-offs to loans | 0.0076% | 4,178 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 332.5385% | 210 |
| Efficiency ratio | 71.4220% | 3,000 |
| Assets per employee ($millions) | 3.3767% | 5,026 |
| Cash dividends to net income (ytd only)* | 59.0641% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6314% | 5,749 |
| Loan loss allowance to noncurrent loans | 336.8571% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.3451% | 4,203 |
| Noncurrent loans to loans | 0.1874% | 4,736 |
| Net loans and leases to total assets | 57.8414% | 4,107 |
| Net loans and leases to deposits | 75.8784% | 3,267 |
| Net loans and leases to core deposits | 89.2213% | 2,473 |
| Total domestic deposits to total assets | 76.2291% | 5,417 |
| Equity capital to assets | 12.6138% | 1,555 |
| Core capital (leverage) ratio | 11.9157% | 1,670 |
| Tier 1 risk-based capital ratio | 17.2895% | 2,187 |
| Total risk-based capital ratio | 17.8270% | 2,394 |
| Memoranda: | ||
| Average total assets | $321,162,200 | 2,040 |
| Average earning assets | $303,638,200 | 1,999 |
| Average equity | $40,159,000 | 1,792 |
| Average total loans | $171,863,000 | 2,332 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3110% | 2,192 |
| Cost of funding earning assets | 0.4876% | 2,337 |
| Net interest margin | 3.8234% | 2,297 |
| Noninterest income to average assets | 0.9761% | 1,240 |
| Noninterest expense to average assets | 3.3294% | 1,625 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2592% | 1,455 |
| Return on assets (ROA) | 1.2799% | 1,450 |
| Pretax return on assets | 1.2799% | 2,473 |
| Return on Equity (ROE) | 10.2585% | 1,992 |
| Retained earnings to average equity (ytd only) | 6.9322% | 1,721 |
| Net charge-offs to loans | 0.0111% | 3,786 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 216.6701% | 331 |
| Efficiency ratio | 72.5579% | 2,781 |
| Assets per employee ($millions) | 3.4370% | 4,911 |
| Cash dividends to net income (ytd only)* | 32.4254% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6543% | 5,812 |
| Loan loss allowance to noncurrent loans | 229.8246% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.3973% | 4,186 |
| Noncurrent loans to loans | 0.2847% | 4,561 |
| Net loans and leases to total assets | 56.0010% | 4,357 |
| Net loans and leases to deposits | 73.8163% | 3,563 |
| Net loans and leases to core deposits | 88.5525% | 2,604 |
| Total domestic deposits to total assets | 75.8654% | 5,509 |
| Equity capital to assets | 12.8777% | 1,519 |
| Core capital (leverage) ratio | 11.9094% | 1,736 |
| Tier 1 risk-based capital ratio | 18.0718% | 2,003 |
| Total risk-based capital ratio | 18.6295% | 2,177 |
| Memoranda: | ||
| Average total assets | $321,255,000 | 2,053 |
| Average earning assets | $303,529,500 | 2,016 |
| Average equity | $40,082,750 | 1,814 |
| Average total loans | $168,146,500 | 2,389 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2539% | 2,337 |
| Cost of funding earning assets | 0.4881% | 2,369 |
| Net interest margin | 3.7658% | 2,455 |
| Noninterest income to average assets | 0.9447% | 1,317 |
| Noninterest expense to average assets | 3.3176% | 1,650 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1896% | 1,630 |
| Return on assets (ROA) | 1.2157% | 1,635 |
| Pretax return on assets | 1.2157% | 2,713 |
| Return on Equity (ROE) | 9.8482% | 2,139 |
| Retained earnings to average equity (ytd only) | 4.8133% | 2,979 |
| Net charge-offs to loans | -0.0073% | 4,844 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6073% | 2,733 |
| Assets per employee ($millions) | 3.3379% | 5,094 |
| Cash dividends to net income (ytd only)* | 51.1247% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7132% | 5,786 |
| Loan loss allowance to noncurrent loans | 257.8495% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.3870% | 4,353 |
| Noncurrent loans to loans | 0.2766% | 4,682 |
| Net loans and leases to total assets | 52.0892% | 4,747 |
| Net loans and leases to deposits | 68.0113% | 4,134 |
| Net loans and leases to core deposits | 81.6228% | 3,222 |
| Total domestic deposits to total assets | 76.5890% | 5,523 |
| Equity capital to assets | 12.2349% | 1,847 |
| Core capital (leverage) ratio | 11.5263% | 1,970 |
| Tier 1 risk-based capital ratio | 18.1088% | 2,036 |
| Total risk-based capital ratio | 18.6944% | 2,195 |
| Memoranda: | ||
| Average total assets | $321,794,330 | 2,066 |
| Average earning assets | $304,425,330 | 2,024 |
| Average equity | $39,723,000 | 1,837 |
| Average total loans | $164,135,670 | 2,440 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2942% | 2,118 |
| Cost of funding earning assets | 0.4888% | 2,392 |
| Net interest margin | 3.8054% | 2,212 |
| Noninterest income to average assets | 1.0419% | 1,030 |
| Noninterest expense to average assets | 3.3702% | 1,552 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2739% | 1,349 |
| Return on assets (ROA) | 1.3173% | 1,306 |
| Pretax return on assets | 1.3173% | 2,212 |
| Return on Equity (ROE) | 10.6248% | 1,760 |
| Retained earnings to average equity (ytd only) | 10.6248% | 788 |
| Net charge-offs to loans | -0.0173% | 4,977 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5694% | 3,071 |
| Assets per employee ($millions) | 3.3422% | 5,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7596% | 5,788 |
| Loan loss allowance to noncurrent loans | 273.9726% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.4024% | 4,416 |
| Noncurrent loans to loans | 0.2772% | 4,791 |
| Net loans and leases to total assets | 48.8664% | 4,950 |
| Net loans and leases to deposits | 64.2220% | 4,350 |
| Net loans and leases to core deposits | 75.9899% | 3,600 |
| Total domestic deposits to total assets | 76.0899% | 5,728 |
| Equity capital to assets | 12.7833% | 1,517 |
| Core capital (leverage) ratio | 11.5334% | 1,974 |
| Tier 1 risk-based capital ratio | 18.4345% | 2,023 |
| Total risk-based capital ratio | 19.0295% | 2,171 |
| Memoranda: | ||
| Average total assets | $322,474,000 | 2,072 |
| Average earning assets | $305,251,000 | 2,021 |
| Average equity | $39,982,000 | 1,830 |
| Average total loans | $162,148,000 | 2,474 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3175% | 2,538 |
| Cost of funding earning assets | 0.4859% | 2,823 |
| Net interest margin | 3.8317% | 2,507 |
| Noninterest income to average assets | 0.9465% | 1,356 |
| Noninterest expense to average assets | 3.2559% | 2,054 |
| Loan and lease loss provision to assets | -0.0358% | 5,989 |
| Net operating income to assets | 1.3377% | 1,215 |
| Return on assets (ROA) | 1.3389% | 1,260 |
| Pretax return on assets | 1.3389% | 2,111 |
| Return on Equity (ROE) | 11.4223% | 1,583 |
| Retained earnings to average equity (ytd only) | 7.0637% | 1,378 |
| Net charge-offs to loans | 0.0375% | 4,082 |
| Credit loss provision to net charge-offs | -193.1034% | 5,619 |
| Earnings coverage of net charge-offs (x) | 70.2931% | 703 |
| Efficiency ratio | 71.4356% | 3,307 |
| Assets per employee ($millions) | 3.3760% | 5,116 |
| Cash dividends to net income (ytd only)* | 38.1588% | 2,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7167% | 5,958 |
| Loan loss allowance to noncurrent loans | 259.6950% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.4070% | 4,468 |
| Noncurrent loans to loans | 0.2760% | 4,864 |
| Net loans and leases to total assets | 50.9463% | 4,875 |
| Net loans and leases to deposits | 65.4361% | 4,383 |
| Net loans and leases to core deposits | 76.3363% | 3,670 |
| Total domestic deposits to total assets | 77.8565% | 5,462 |
| Equity capital to assets | 12.0176% | 2,009 |
| Core capital (leverage) ratio | 11.2124% | 2,209 |
| Tier 1 risk-based capital ratio | 17.2917% | 2,386 |
| Total risk-based capital ratio | 17.8623% | 2,615 |
| Memoranda: | ||
| Average total assets | $313,158,200 | 2,075 |
| Average earning assets | $295,145,000 | 2,033 |
| Average equity | $36,708,800 | 1,915 |
| Average total loans | $154,555,200 | 2,505 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3492% | 2,425 |
| Cost of funding earning assets | 0.4897% | 2,864 |
| Net interest margin | 3.8595% | 2,395 |
| Noninterest income to average assets | 0.9058% | 1,502 |
| Noninterest expense to average assets | 3.2419% | 2,046 |
| Loan and lease loss provision to assets | -0.0481% | 6,187 |
| Net operating income to assets | 1.3439% | 1,258 |
| Return on assets (ROA) | 1.3435% | 1,317 |
| Pretax return on assets | 1.3435% | 2,223 |
| Return on Equity (ROE) | 11.5372% | 1,614 |
| Retained earnings to average equity (ytd only) | 11.5372% | 452 |
| Net charge-offs to loans | 0.0501% | 3,501 |
| Credit loss provision to net charge-offs | -196.4912% | 5,556 |
| Earnings coverage of net charge-offs (x) | 52.9286% | 937 |
| Efficiency ratio | 71.4434% | 3,276 |
| Assets per employee ($millions) | 3.3167% | 5,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7245% | 6,051 |
| Loan loss allowance to noncurrent loans | 361.8182% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.3702% | 4,815 |
| Noncurrent loans to loans | 0.2002% | 5,303 |
| Net loans and leases to total assets | 50.8579% | 4,907 |
| Net loans and leases to deposits | 64.8303% | 4,452 |
| Net loans and leases to core deposits | 75.4994% | 3,805 |
| Total domestic deposits to total assets | 78.4477% | 5,444 |
| Equity capital to assets | 12.0571% | 2,007 |
| Core capital (leverage) ratio | 11.5586% | 2,017 |
| Tier 1 risk-based capital ratio | 18.0572% | 2,197 |
| Total risk-based capital ratio | 18.6454% | 2,395 |
| Memoranda: | ||
| Average total assets | $310,422,750 | 2,107 |
| Average earning assets | $292,120,250 | 2,065 |
| Average equity | $36,148,750 | 1,950 |
| Average total loans | $151,616,750 | 2,554 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3238% | 2,505 |
| Cost of funding earning assets | 0.4979% | 2,854 |
| Net interest margin | 3.8260% | 2,459 |
| Noninterest income to average assets | 0.8518% | 1,649 |
| Noninterest expense to average assets | 3.2316% | 2,097 |
| Loan and lease loss provision to assets | -0.0730% | 6,340 |
| Net operating income to assets | 1.3018% | 1,303 |
| Return on assets (ROA) | 1.2790% | 1,427 |
| Pretax return on assets | 1.2790% | 2,339 |
| Return on Equity (ROE) | 11.1205% | 1,704 |
| Retained earnings to average equity (ytd only) | 11.1205% | 523 |
| Net charge-offs to loans | 0.0462% | 3,318 |
| Credit loss provision to net charge-offs | -329.4118% | 5,486 |
| Earnings coverage of net charge-offs (x) | 55.4118% | 858 |
| Efficiency ratio | 72.4521% | 3,250 |
| Assets per employee ($millions) | 3.3533% | 5,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7850% | 6,013 |
| Loan loss allowance to noncurrent loans | 339.9441% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.3963% | 4,827 |
| Noncurrent loans to loans | 0.2309% | 5,307 |
| Net loans and leases to total assets | 49.3236% | 5,035 |
| Net loans and leases to deposits | 62.0861% | 4,684 |
| Net loans and leases to core deposits | 73.3171% | 3,918 |
| Total domestic deposits to total assets | 79.4438% | 5,354 |
| Equity capital to assets | 11.9736% | 2,007 |
| Core capital (leverage) ratio | 11.5359% | 1,969 |
| Tier 1 risk-based capital ratio | 18.3852% | 2,107 |
| Total risk-based capital ratio | 19.0156% | 2,290 |
| Memoranda: | ||
| Average total assets | $306,657,000 | 2,131 |
| Average earning assets | $289,234,670 | 2,078 |
| Average equity | $35,268,330 | 1,979 |
| Average total loans | $147,217,670 | 2,622 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2960% | 2,537 |
| Cost of funding earning assets | 0.5040% | 2,861 |
| Net interest margin | 3.7920% | 2,503 |
| Noninterest income to average assets | 0.9117% | 1,356 |
| Noninterest expense to average assets | 3.1349% | 2,424 |
| Loan and lease loss provision to assets | -0.1434% | 6,524 |
| Net operating income to assets | 1.4931% | 832 |
| Return on assets (ROA) | 1.4484% | 933 |
| Pretax return on assets | 1.4484% | 1,590 |
| Return on Equity (ROE) | 12.8650% | 1,192 |
| Retained earnings to average equity (ytd only) | 12.8650% | 498 |
| Net charge-offs to loans | -0.1954% | 6,378 |
| Credit loss provision to net charge-offs | 155.7143% | 1,228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9032% | 3,852 |
| Assets per employee ($millions) | 3.4513% | 5,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9315% | 5,769 |
| Loan loss allowance to noncurrent loans | 166.5409% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.6025% | 4,340 |
| Noncurrent loans to loans | 0.5593% | 4,487 |
| Net loans and leases to total assets | 46.3626% | 5,297 |
| Net loans and leases to deposits | 57.3108% | 5,004 |
| Net loans and leases to core deposits | 64.9262% | 4,602 |
| Total domestic deposits to total assets | 80.8969% | 5,260 |
| Equity capital to assets | 11.6499% | 2,136 |
| Core capital (leverage) ratio | 11.3244% | 2,112 |
| Tier 1 risk-based capital ratio | 19.1260% | 1,927 |
| Total risk-based capital ratio | 19.8573% | 2,053 |
| Memoranda: | ||
| Average total assets | $304,059,000 | 2,155 |
| Average earning assets | $286,497,000 | 2,103 |
| Average equity | $34,232,500 | 2,021 |
| Average total loans | $143,309,500 | 2,691 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3234% | 2,870 |
| Cost of funding earning assets | 0.5762% | 2,876 |
| Net interest margin | 3.7473% | 2,862 |
| Noninterest income to average assets | 0.8990% | 1,680 |
| Noninterest expense to average assets | 3.0668% | 2,844 |
| Loan and lease loss provision to assets | 0.0079% | 4,967 |
| Net operating income to assets | 1.3385% | 1,159 |
| Return on assets (ROA) | 1.3500% | 1,176 |
| Pretax return on assets | 1.3500% | 1,971 |
| Return on Equity (ROE) | 12.2665% | 1,337 |
| Retained earnings to average equity (ytd only) | 8.6981% | 846 |
| Net charge-offs to loans | 0.8254% | 750 |
| Credit loss provision to net charge-offs | 1.9802% | 4,684 |
| Earnings coverage of net charge-offs (x) | 3.3944% | 3,864 |
| Efficiency ratio | 69.4920% | 3,921 |
| Assets per employee ($millions) | 3.5813% | 4,732 |
| Cash dividends to net income (ytd only)* | 29.0909% | 3,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9426% | 5,782 |
| Loan loss allowance to noncurrent loans | 234.8276% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.5519% | 4,576 |
| Noncurrent loans to loans | 0.4014% | 5,004 |
| Net loans and leases to total assets | 47.0175% | 5,390 |
| Net loans and leases to deposits | 58.3883% | 5,090 |
| Net loans and leases to core deposits | 65.4687% | 4,739 |
| Total domestic deposits to total assets | 80.5255% | 5,311 |
| Equity capital to assets | 10.8680% | 2,740 |
| Core capital (leverage) ratio | 10.8584% | 2,518 |
| Tier 1 risk-based capital ratio | 18.3486% | 2,134 |
| Total risk-based capital ratio | 19.0940% | 2,260 |
| Memoranda: | ||
| Average total assets | $305,565,800 | 2,112 |
| Average earning assets | $286,554,200 | 2,065 |
| Average equity | $33,628,200 | 2,051 |
| Average total loans | $146,844,200 | 2,605 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3252% | 2,888 |
| Cost of funding earning assets | 0.5908% | 2,889 |
| Net interest margin | 3.7344% | 2,905 |
| Noninterest income to average assets | 0.8910% | 1,787 |
| Noninterest expense to average assets | 3.0802% | 2,725 |
| Loan and lease loss provision to assets | 0.0161% | 4,692 |
| Net operating income to assets | 1.2912% | 1,377 |
| Return on assets (ROA) | 1.3065% | 1,392 |
| Pretax return on assets | 1.3065% | 2,310 |
| Return on Equity (ROE) | 11.8346% | 1,530 |
| Retained earnings to average equity (ytd only) | 11.8346% | 444 |
| Net charge-offs to loans | 0.7596% | 788 |
| Credit loss provision to net charge-offs | 4.4048% | 4,285 |
| Earnings coverage of net charge-offs (x) | 3.5702% | 3,665 |
| Efficiency ratio | 70.2037% | 3,726 |
| Assets per employee ($millions) | 3.5225% | 4,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2108% | 4,815 |
| Loan loss allowance to noncurrent loans | 309.3805% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.5604% | 4,772 |
| Noncurrent loans to loans | 0.3914% | 5,221 |
| Net loans and leases to total assets | 45.4942% | 5,591 |
| Net loans and leases to deposits | 55.4336% | 5,419 |
| Net loans and leases to core deposits | 62.9006% | 5,022 |
| Total domestic deposits to total assets | 82.0698% | 4,904 |
| Equity capital to assets | 10.7401% | 3,021 |
| Core capital (leverage) ratio | 11.2024% | 2,301 |
| Tier 1 risk-based capital ratio | 18.8917% | 2,023 |
| Total risk-based capital ratio | 19.8745% | 2,077 |
| Memoranda: | ||
| Average total assets | $305,855,250 | 2,110 |
| Average earning assets | $286,375,750 | 2,087 |
| Average equity | $33,764,500 | 2,054 |
| Average total loans | $147,433,500 | 2,607 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3477% | 2,769 |
| Cost of funding earning assets | 0.6195% | 2,774 |
| Net interest margin | 3.7282% | 2,856 |
| Noninterest income to average assets | 0.9528% | 1,644 |
| Noninterest expense to average assets | 3.1157% | 2,619 |
| Loan and lease loss provision to assets | 0.0409% | 4,138 |
| Net operating income to assets | 1.2805% | 1,372 |
| Return on assets (ROA) | 1.3049% | 1,396 |
| Pretax return on assets | 1.3049% | 2,282 |
| Return on Equity (ROE) | 11.7114% | 1,579 |
| Retained earnings to average equity (ytd only) | 11.7114% | 541 |
| Net charge-offs to loans | 0.9781% | 627 |
| Credit loss provision to net charge-offs | 8.5399% | 3,920 |
| Earnings coverage of net charge-offs (x) | 2.7603% | 3,593 |
| Efficiency ratio | 70.2185% | 3,787 |
| Assets per employee ($millions) | 3.3963% | 5,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2477% | 4,743 |
| Loan loss allowance to noncurrent loans | 87.3957% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 1.1182% | 3,500 |
| Noncurrent loans to loans | 1.4277% | 3,155 |
| Net loans and leases to total assets | 49.9441% | 5,115 |
| Net loans and leases to deposits | 61.9555% | 4,752 |
| Net loans and leases to core deposits | 70.8616% | 4,179 |
| Total domestic deposits to total assets | 80.6129% | 5,448 |
| Equity capital to assets | 11.1599% | 2,600 |
| Core capital (leverage) ratio | 10.8312% | 2,523 |
| Tier 1 risk-based capital ratio | 17.5876% | 2,484 |
| Total risk-based capital ratio | 18.6056% | 2,544 |
| Memoranda: | ||
| Average total assets | $303,307,330 | 2,141 |
| Average earning assets | $283,460,330 | 2,104 |
| Average equity | $33,796,000 | 2,063 |
| Average total loans | $148,454,000 | 2,592 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3514% | 2,686 |
| Cost of funding earning assets | 0.6475% | 2,685 |
| Net interest margin | 3.7039% | 2,834 |
| Noninterest income to average assets | 0.9584% | 1,581 |
| Noninterest expense to average assets | 3.1251% | 2,598 |
| Loan and lease loss provision to assets | 0.0183% | 4,236 |
| Net operating income to assets | 1.2752% | 1,343 |
| Return on assets (ROA) | 1.3040% | 1,367 |
| Pretax return on assets | 1.3040% | 2,218 |
| Return on Equity (ROE) | 11.7118% | 1,494 |
| Retained earnings to average equity (ytd only) | 11.7118% | 743 |
| Net charge-offs to loans | 0.2175% | 2,119 |
| Credit loss provision to net charge-offs | 17.5000% | 3,074 |
| Earnings coverage of net charge-offs (x) | 12.3500% | 1,604 |
| Efficiency ratio | 70.7259% | 3,847 |
| Assets per employee ($millions) | 3.2816% | 5,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7014% | 3,004 |
| Loan loss allowance to noncurrent loans | 62.5472% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 1.4295% | 3,122 |
| Noncurrent loans to loans | 2.7202% | 1,880 |
| Net loans and leases to total assets | 48.0769% | 5,218 |
| Net loans and leases to deposits | 59.1605% | 4,894 |
| Net loans and leases to core deposits | 65.6269% | 4,576 |
| Total domestic deposits to total assets | 81.2651% | 5,428 |
| Equity capital to assets | 11.7165% | 2,243 |
| Core capital (leverage) ratio | 10.4585% | 2,835 |
| Tier 1 risk-based capital ratio | 16.9268% | 2,784 |
| Total risk-based capital ratio | 18.1776% | 2,761 |
| Memoranda: | ||
| Average total assets | $305,524,000 | 2,149 |
| Average earning assets | $285,426,000 | 2,121 |
| Average equity | $34,017,000 | 2,074 |
| Average total loans | $147,103,000 | 2,628 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5644% | 3,152 |
| Cost of funding earning assets | 0.7385% | 3,175 |
| Net interest margin | 3.8259% | 3,124 |
| Noninterest income to average assets | 1.1179% | 1,245 |
| Noninterest expense to average assets | 3.1754% | 2,695 |
| Loan and lease loss provision to assets | 0.4834% | 1,263 |
| Net operating income to assets | 0.7526% | 3,503 |
| Return on assets (ROA) | 0.9869% | 2,619 |
| Pretax return on assets | 1.3463% | 2,226 |
| Return on Equity (ROE) | 8.9335% | 2,674 |
| Retained earnings to average equity (ytd only) | -1.5049% | 6,094 |
| Net charge-offs to loans | 1.3646% | 686 |
| Credit loss provision to net charge-offs | 70.9784% | 4,127 |
| Earnings coverage of net charge-offs (x) | 2.2154% | 4,318 |
| Efficiency ratio | 67.7905% | 4,187 |
| Assets per employee ($millions) | 3.3958% | 5,225 |
| Cash dividends to net income (ytd only)* | 116.8452% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7212% | 2,853 |
| Loan loss allowance to noncurrent loans | 64.4265% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 1.3741% | 3,336 |
| Noncurrent loans to loans | 2.6716% | 1,982 |
| Net loans and leases to total assets | 46.6039% | 5,561 |
| Net loans and leases to deposits | 57.0035% | 5,334 |
| Net loans and leases to core deposits | 63.0913% | 5,051 |
| Total domestic deposits to total assets | 81.7562% | 5,176 |
| Equity capital to assets | 10.5772% | 3,429 |
| Core capital (leverage) ratio | 9.9283% | 3,502 |
| Tier 1 risk-based capital ratio | 16.4622% | 2,915 |
| Total risk-based capital ratio | 17.7139% | 2,881 |
| Memoranda: | ||
| Average total assets | $312,185,200 | 2,058 |
| Average earning assets | $290,990,800 | 2,038 |
| Average equity | $34,488,000 | 2,010 |
| Average total loans | $155,799,200 | 2,489 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6199% | 3,136 |
| Cost of funding earning assets | 0.7560% | 3,300 |
| Net interest margin | 3.8638% | 3,058 |
| Noninterest income to average assets | 1.1448% | 1,161 |
| Noninterest expense to average assets | 3.2136% | 2,520 |
| Loan and lease loss provision to assets | 0.4981% | 1,230 |
| Net operating income to assets | 0.7620% | 3,643 |
| Return on assets (ROA) | 0.7629% | 3,885 |
| Pretax return on assets | 1.0474% | 3,544 |
| Return on Equity (ROE) | 6.8332% | 3,897 |
| Retained earnings to average equity (ytd only) | 6.8332% | 2,220 |
| Net charge-offs to loans | 0.0068% | 5,646 |
| Credit loss provision to net charge-offs | 14,575.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 451.7226% | 99 |
| Efficiency ratio | 67.5435% | 4,162 |
| Assets per employee ($millions) | 3.3569% | 5,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7721% | 909 |
| Loan loss allowance to noncurrent loans | 92.0213% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 1.5814% | 3,222 |
| Noncurrent loans to loans | 3.0125% | 1,854 |
| Net loans and leases to total assets | 48.0735% | 5,534 |
| Net loans and leases to deposits | 59.7660% | 5,236 |
| Net loans and leases to core deposits | 69.1344% | 4,594 |
| Total domestic deposits to total assets | 80.4361% | 5,537 |
| Equity capital to assets | 11.5026% | 2,737 |
| Core capital (leverage) ratio | 10.7113% | 2,687 |
| Tier 1 risk-based capital ratio | 17.5165% | 2,538 |
| Total risk-based capital ratio | 18.7796% | 2,497 |
| Memoranda: | ||
| Average total assets | $312,127,000 | 2,083 |
| Average earning assets | $291,861,250 | 2,047 |
| Average equity | $34,848,750 | 2,004 |
| Average total loans | $157,711,750 | 2,485 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6898% | 2,956 |
| Cost of funding earning assets | 0.7809% | 3,354 |
| Net interest margin | 3.9088% | 2,869 |
| Noninterest income to average assets | 1.1312% | 1,113 |
| Noninterest expense to average assets | 3.2323% | 2,488 |
| Loan and lease loss provision to assets | 0.4142% | 1,587 |
| Net operating income to assets | 0.8475% | 3,157 |
| Return on assets (ROA) | 0.8489% | 3,425 |
| Pretax return on assets | 1.1338% | 3,173 |
| Return on Equity (ROE) | 7.6819% | 3,407 |
| Retained earnings to average equity (ytd only) | 7.6819% | 1,771 |
| Net charge-offs to loans | 0.0152% | 5,212 |
| Credit loss provision to net charge-offs | 5,366.6667% | 52 |
| Earnings coverage of net charge-offs (x) | 200.3333% | 224 |
| Efficiency ratio | 67.6447% | 4,198 |
| Assets per employee ($millions) | 3.1610% | 5,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3147% | 1,567 |
| Loan loss allowance to noncurrent loans | 81.4402% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 1.6079% | 3,310 |
| Noncurrent loans to loans | 2.8422% | 2,106 |
| Net loans and leases to total assets | 52.3032% | 5,059 |
| Net loans and leases to deposits | 66.0342% | 4,508 |
| Net loans and leases to core deposits | 77.4327% | 3,598 |
| Total domestic deposits to total assets | 79.2062% | 5,919 |
| Equity capital to assets | 11.5333% | 2,557 |
| Core capital (leverage) ratio | 10.5958% | 2,716 |
| Tier 1 risk-based capital ratio | 16.4421% | 2,949 |
| Total risk-based capital ratio | 17.7005% | 2,906 |
| Memoranda: | ||
| Average total assets | $310,987,330 | 2,084 |
| Average earning assets | $290,162,670 | 2,051 |
| Average equity | $34,366,330 | 2,015 |
| Average total loans | $158,276,000 | 2,485 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7146% | 2,999 |
| Cost of funding earning assets | 0.7954% | 3,512 |
| Net interest margin | 3.9192% | 2,842 |
| Noninterest income to average assets | 1.0959% | 1,192 |
| Noninterest expense to average assets | 3.2148% | 2,554 |
| Loan and lease loss provision to assets | 0.4202% | 1,500 |
| Net operating income to assets | 0.8312% | 3,244 |
| Return on assets (ROA) | 0.8340% | 3,459 |
| Pretax return on assets | 1.1150% | 3,267 |
| Return on Equity (ROE) | 7.7123% | 3,407 |
| Retained earnings to average equity (ytd only) | 7.7123% | 2,086 |
| Net charge-offs to loans | 0.0335% | 4,221 |
| Credit loss provision to net charge-offs | 2,530.7692% | 120 |
| Earnings coverage of net charge-offs (x) | 92.2308% | 371 |
| Efficiency ratio | 67.7341% | 4,221 |
| Assets per employee ($millions) | 3.1509% | 5,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2520% | 1,775 |
| Loan loss allowance to noncurrent loans | 82.7947% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 1.5030% | 3,605 |
| Noncurrent loans to loans | 2.7200% | 2,400 |
| Net loans and leases to total assets | 48.9729% | 5,436 |
| Net loans and leases to deposits | 61.1471% | 5,023 |
| Net loans and leases to core deposits | 69.4480% | 4,507 |
| Total domestic deposits to total assets | 80.0904% | 5,832 |
| Equity capital to assets | 11.1168% | 2,786 |
| Core capital (leverage) ratio | 10.3068% | 2,986 |
| Tier 1 risk-based capital ratio | 16.3193% | 3,008 |
| Total risk-based capital ratio | 17.5761% | 2,961 |
| Memoranda: | ||
| Average total assets | $313,173,000 | 2,075 |
| Average earning assets | $291,692,500 | 2,048 |
| Average equity | $33,868,000 | 2,045 |
| Average total loans | $155,329,000 | 2,553 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1669% | 2,195 |
| Cost of funding earning assets | 0.9352% | 3,838 |
| Net interest margin | 4.2318% | 1,956 |
| Noninterest income to average assets | 1.1131% | 1,069 |
| Noninterest expense to average assets | 3.3491% | 2,360 |
| Loan and lease loss provision to assets | 0.3460% | 2,929 |
| Net operating income to assets | 1.1182% | 1,764 |
| Return on assets (ROA) | 1.1595% | 1,748 |
| Pretax return on assets | 1.4021% | 1,784 |
| Return on Equity (ROE) | 10.8541% | 1,746 |
| Retained earnings to average equity (ytd only) | 4.6905% | 2,860 |
| Net charge-offs to loans | 0.2079% | 4,498 |
| Credit loss provision to net charge-offs | 312.7976% | 747 |
| Earnings coverage of net charge-offs (x) | 15.3542% | 1,398 |
| Efficiency ratio | 66.3514% | 4,692 |
| Assets per employee ($millions) | 3.2077% | 5,693 |
| Cash dividends to net income (ytd only)* | 56.7859% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0314% | 2,181 |
| Loan loss allowance to noncurrent loans | 918.2609% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.2463% | 6,353 |
| Noncurrent loans to loans | 0.2212% | 6,297 |
| Net loans and leases to total assets | 48.1120% | 5,814 |
| Net loans and leases to deposits | 60.4818% | 5,438 |
| Net loans and leases to core deposits | 68.7242% | 4,943 |
| Total domestic deposits to total assets | 79.5479% | 5,858 |
| Equity capital to assets | 10.5205% | 3,514 |
| Core capital (leverage) ratio | 10.0131% | 3,326 |
| Tier 1 risk-based capital ratio | 16.0337% | 3,028 |
| Total risk-based capital ratio | 17.2882% | 2,979 |
| Memoranda: | ||
| Average total assets | $303,754,400 | 2,114 |
| Average earning assets | $282,412,000 | 2,077 |
| Average equity | $32,448,600 | 2,053 |
| Average total loans | $161,610,800 | 2,479 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2867% | 1,916 |
| Cost of funding earning assets | 0.9672% | 3,919 |
| Net interest margin | 4.3195% | 1,644 |
| Noninterest income to average assets | 1.1126% | 1,077 |
| Noninterest expense to average assets | 3.4364% | 2,106 |
| Loan and lease loss provision to assets | 0.4258% | 2,343 |
| Net operating income to assets | 0.9691% | 2,437 |
| Return on assets (ROA) | 1.0083% | 2,442 |
| Pretax return on assets | 1.3191% | 2,222 |
| Return on Equity (ROE) | 9.4010% | 2,427 |
| Retained earnings to average equity (ytd only) | 9.4010% | 1,012 |
| Net charge-offs to loans | 0.2004% | 4,196 |
| Credit loss provision to net charge-offs | 391.4286% | 723 |
| Earnings coverage of net charge-offs (x) | 15.5673% | 1,458 |
| Efficiency ratio | 66.9898% | 4,525 |
| Assets per employee ($millions) | 3.1559% | 5,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9546% | 2,463 |
| Loan loss allowance to noncurrent loans | 415.6168% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.3401% | 6,217 |
| Noncurrent loans to loans | 0.4703% | 5,903 |
| Net loans and leases to total assets | 51.3654% | 5,532 |
| Net loans and leases to deposits | 65.2246% | 5,024 |
| Net loans and leases to core deposits | 74.8222% | 4,340 |
| Total domestic deposits to total assets | 78.7517% | 6,035 |
| Equity capital to assets | 11.0846% | 3,061 |
| Core capital (leverage) ratio | 10.4210% | 2,969 |
| Tier 1 risk-based capital ratio | 16.2821% | 2,976 |
| Total risk-based capital ratio | 17.5369% | 2,939 |
| Memoranda: | ||
| Average total assets | $300,302,750 | 2,141 |
| Average earning assets | $279,284,250 | 2,110 |
| Average equity | $32,208,500 | 2,063 |
| Average total loans | $163,025,250 | 2,470 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2549% | 2,051 |
| Cost of funding earning assets | 0.9806% | 4,085 |
| Net interest margin | 4.2743% | 1,751 |
| Noninterest income to average assets | 1.0857% | 1,099 |
| Noninterest expense to average assets | 3.4570% | 2,103 |
| Loan and lease loss provision to assets | 0.4595% | 2,130 |
| Net operating income to assets | 0.9230% | 2,544 |
| Return on assets (ROA) | 0.9862% | 2,383 |
| Pretax return on assets | 1.2176% | 2,413 |
| Return on Equity (ROE) | 9.3028% | 2,381 |
| Retained earnings to average equity (ytd only) | 9.3028% | 1,011 |
| Net charge-offs to loans | 0.1628% | 4,197 |
| Credit loss provision to net charge-offs | 513.5338% | 595 |
| Earnings coverage of net charge-offs (x) | 17.8722% | 1,280 |
| Efficiency ratio | 68.3741% | 4,446 |
| Assets per employee ($millions) | 3.0540% | 5,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7390% | 3,192 |
| Loan loss allowance to noncurrent loans | 60.4834% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 1.6483% | 3,703 |
| Noncurrent loans to loans | 2.8751% | 2,542 |
| Net loans and leases to total assets | 55.5605% | 5,059 |
| Net loans and leases to deposits | 70.7780% | 4,329 |
| Net loans and leases to core deposits | 81.4793% | 3,585 |
| Total domestic deposits to total assets | 78.4996% | 6,188 |
| Equity capital to assets | 10.7264% | 3,257 |
| Core capital (leverage) ratio | 10.2544% | 2,971 |
| Tier 1 risk-based capital ratio | 15.5557% | 3,213 |
| Total risk-based capital ratio | 16.8090% | 3,160 |
| Memoranda: | ||
| Average total assets | $297,311,670 | 2,164 |
| Average earning assets | $276,162,330 | 2,134 |
| Average equity | $31,517,330 | 2,091 |
| Average total loans | $163,357,670 | 2,489 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2874% | 1,905 |
| Cost of funding earning assets | 0.9905% | 4,269 |
| Net interest margin | 4.2969% | 1,571 |
| Noninterest income to average assets | 1.0311% | 1,239 |
| Noninterest expense to average assets | 3.5381% | 1,909 |
| Loan and lease loss provision to assets | 0.7406% | 1,146 |
| Net operating income to assets | 0.6001% | 4,028 |
| Return on assets (ROA) | 0.6233% | 3,972 |
| Pretax return on assets | 0.7693% | 4,021 |
| Return on Equity (ROE) | 5.9165% | 3,953 |
| Retained earnings to average equity (ytd only) | 5.9165% | 2,688 |
| Net charge-offs to loans | -0.0101% | 6,368 |
| Credit loss provision to net charge-offs | -13,575.0000% | 6,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4891% | 4,165 |
| Assets per employee ($millions) | 3.0382% | 6,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8658% | 2,805 |
| Loan loss allowance to noncurrent loans | 62.0347% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 1.7163% | 3,683 |
| Noncurrent loans to loans | 3.0076% | 2,503 |
| Net loans and leases to total assets | 52.9955% | 5,452 |
| Net loans and leases to deposits | 67.6018% | 4,727 |
| Net loans and leases to core deposits | 76.1884% | 4,279 |
| Total domestic deposits to total assets | 78.3937% | 6,319 |
| Equity capital to assets | 10.5141% | 3,162 |
| Core capital (leverage) ratio | 10.2506% | 2,862 |
| Tier 1 risk-based capital ratio | 15.6096% | 3,097 |
| Total risk-based capital ratio | 16.8633% | 3,055 |
| Memoranda: | ||
| Average total assets | $293,265,500 | 2,202 |
| Average earning assets | $272,195,500 | 2,184 |
| Average equity | $30,896,500 | 2,120 |
| Average total loans | $158,693,000 | 2,582 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4887% | 2,337 |
| Cost of funding earning assets | 1.1376% | 4,921 |
| Net interest margin | 4.3512% | 1,640 |
| Noninterest income to average assets | 1.1129% | 1,195 |
| Noninterest expense to average assets | 3.5522% | 2,051 |
| Loan and lease loss provision to assets | 0.2027% | 5,215 |
| Net operating income to assets | 1.1283% | 1,616 |
| Return on assets (ROA) | 1.1317% | 1,685 |
| Pretax return on assets | 1.3758% | 1,721 |
| Return on Equity (ROE) | 10.5760% | 1,730 |
| Retained earnings to average equity (ytd only) | 4.0777% | 3,005 |
| Net charge-offs to loans | 0.4205% | 3,936 |
| Credit loss provision to net charge-offs | 84.2486% | 5,378 |
| Earnings coverage of net charge-offs (x) | 6.5434% | 2,332 |
| Efficiency ratio | 69.2913% | 4,316 |
| Assets per employee ($millions) | 2.8879% | 6,356 |
| Cash dividends to net income (ytd only)* | 61.4439% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5665% | 3,713 |
| Loan loss allowance to noncurrent loans | 59.1512% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 1.5589% | 3,967 |
| Noncurrent loans to loans | 2.6482% | 2,873 |
| Net loans and leases to total assets | 53.3756% | 5,721 |
| Net loans and leases to deposits | 68.5339% | 5,031 |
| Net loans and leases to core deposits | 74.7846% | 4,875 |
| Total domestic deposits to total assets | 77.8821% | 6,340 |
| Equity capital to assets | 10.5572% | 3,097 |
| Core capital (leverage) ratio | 10.0520% | 3,029 |
| Tier 1 risk-based capital ratio | 15.7100% | 2,888 |
| Total risk-based capital ratio | 16.9604% | 2,852 |
| Memoranda: | ||
| Average total assets | $287,623,000 | 2,228 |
| Average earning assets | $265,307,000 | 2,213 |
| Average equity | $30,777,200 | 2,126 |
| Average total loans | $164,548,800 | 2,552 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5457% | 2,270 |
| Cost of funding earning assets | 1.1580% | 5,099 |
| Net interest margin | 4.3877% | 1,556 |
| Noninterest income to average assets | 1.0798% | 1,229 |
| Noninterest expense to average assets | 3.5930% | 1,812 |
| Loan and lease loss provision to assets | 0.2673% | 4,447 |
| Net operating income to assets | 0.9951% | 2,247 |
| Return on assets (ROA) | 0.9995% | 2,354 |
| Pretax return on assets | 1.2654% | 2,280 |
| Return on Equity (ROE) | 9.3095% | 2,387 |
| Retained earnings to average equity (ytd only) | 9.3095% | 962 |
| Net charge-offs to loans | 0.5388% | 3,146 |
| Credit loss provision to net charge-offs | 85.5869% | 4,937 |
| Earnings coverage of net charge-offs (x) | 4.8900% | 2,903 |
| Efficiency ratio | 70.1740% | 4,027 |
| Assets per employee ($millions) | 3.0252% | 6,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5009% | 3,955 |
| Loan loss allowance to noncurrent loans | 51.6339% | 4,856 |
| Noncurrent assets plus other real estate owned to assets | 1.8406% | 3,694 |
| Noncurrent loans to loans | 2.9068% | 2,746 |
| Net loans and leases to total assets | 54.5642% | 5,762 |
| Net loans and leases to deposits | 70.9531% | 5,007 |
| Net loans and leases to core deposits | 81.0526% | 4,375 |
| Total domestic deposits to total assets | 76.9018% | 6,499 |
| Equity capital to assets | 10.8998% | 3,054 |
| Core capital (leverage) ratio | 10.5221% | 2,666 |
| Tier 1 risk-based capital ratio | 16.3547% | 2,611 |
| Total risk-based capital ratio | 17.6057% | 2,567 |
| Memoranda: | ||
| Average total assets | $287,331,500 | 2,264 |
| Average earning assets | $264,580,500 | 2,257 |
| Average equity | $30,849,500 | 2,143 |
| Average total loans | $166,537,000 | 2,570 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6353% | 2,003 |
| Cost of funding earning assets | 1.1750% | 5,267 |
| Net interest margin | 4.4603% | 1,291 |
| Noninterest income to average assets | 1.0771% | 1,153 |
| Noninterest expense to average assets | 3.6154% | 1,741 |
| Loan and lease loss provision to assets | 0.3905% | 3,377 |
| Net operating income to assets | 0.9310% | 2,434 |
| Return on assets (ROA) | 0.9371% | 2,502 |
| Pretax return on assets | 1.1861% | 2,464 |
| Return on Equity (ROE) | 8.7744% | 2,561 |
| Retained earnings to average equity (ytd only) | 8.7744% | 1,188 |
| Net charge-offs to loans | 0.6826% | 2,512 |
| Credit loss provision to net charge-offs | 97.1979% | 4,205 |
| Earnings coverage of net charge-offs (x) | 3.9054% | 3,128 |
| Efficiency ratio | 69.7381% | 4,236 |
| Assets per employee ($millions) | 2.8974% | 6,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4950% | 3,962 |
| Loan loss allowance to noncurrent loans | 51.1862% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 1.9129% | 3,602 |
| Noncurrent loans to loans | 2.9207% | 2,736 |
| Net loans and leases to total assets | 58.4840% | 5,334 |
| Net loans and leases to deposits | 76.3526% | 4,266 |
| Net loans and leases to core deposits | 87.8193% | 3,569 |
| Total domestic deposits to total assets | 76.5973% | 6,585 |
| Equity capital to assets | 10.9040% | 2,962 |
| Core capital (leverage) ratio | 10.3262% | 2,799 |
| Tier 1 risk-based capital ratio | 15.4353% | 2,933 |
| Total risk-based capital ratio | 16.6862% | 2,895 |
| Memoranda: | ||
| Average total assets | $284,284,330 | 2,304 |
| Average earning assets | $261,777,330 | 2,289 |
| Average equity | $30,361,000 | 2,168 |
| Average total loans | $167,305,000 | 2,593 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6861% | 1,828 |
| Cost of funding earning assets | 1.1761% | 5,526 |
| Net interest margin | 4.5100% | 1,118 |
| Noninterest income to average assets | 0.9950% | 1,323 |
| Noninterest expense to average assets | 3.6254% | 1,680 |
| Loan and lease loss provision to assets | 0.2276% | 4,222 |
| Net operating income to assets | 1.0054% | 2,156 |
| Return on assets (ROA) | 1.0176% | 2,184 |
| Pretax return on assets | 1.2876% | 2,084 |
| Return on Equity (ROE) | 9.6311% | 2,236 |
| Retained earnings to average equity (ytd only) | 9.6311% | 1,228 |
| Net charge-offs to loans | 0.0338% | 5,105 |
| Credit loss provision to net charge-offs | 1,150.0000% | 416 |
| Earnings coverage of net charge-offs (x) | 75.7857% | 409 |
| Efficiency ratio | 70.7391% | 4,172 |
| Assets per employee ($millions) | 2.9821% | 6,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6303% | 3,326 |
| Loan loss allowance to noncurrent loans | 61.2480% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 1.7657% | 3,836 |
| Noncurrent loans to loans | 2.6618% | 3,011 |
| Net loans and leases to total assets | 57.0949% | 5,588 |
| Net loans and leases to deposits | 75.5305% | 4,491 |
| Net loans and leases to core deposits | 84.9624% | 4,061 |
| Total domestic deposits to total assets | 75.5918% | 6,819 |
| Equity capital to assets | 10.6111% | 3,134 |
| Core capital (leverage) ratio | 10.2222% | 2,908 |
| Tier 1 risk-based capital ratio | 14.9112% | 3,146 |
| Total risk-based capital ratio | 16.1630% | 3,111 |
| Memoranda: | ||
| Average total assets | $283,007,000 | 2,368 |
| Average earning assets | $259,159,500 | 2,357 |
| Average equity | $29,903,000 | 2,221 |
| Average total loans | $165,807,000 | 2,675 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9719% | 1,980 |
| Cost of funding earning assets | 1.3532% | 6,129 |
| Net interest margin | 4.6187% | 947 |
| Noninterest income to average assets | 1.1401% | 1,184 |
| Noninterest expense to average assets | 3.6233% | 2,096 |
| Loan and lease loss provision to assets | 0.3660% | 4,603 |
| Net operating income to assets | 1.1223% | 1,464 |
| Return on assets (ROA) | 1.1261% | 1,483 |
| Pretax return on assets | 1.4104% | 1,405 |
| Return on Equity (ROE) | 10.6251% | 1,516 |
| Retained earnings to average equity (ytd only) | 5.0658% | 1,786 |
| Net charge-offs to loans | 0.2425% | 5,105 |
| Credit loss provision to net charge-offs | 241.2621% | 1,479 |
| Earnings coverage of net charge-offs (x) | 11.6772% | 1,575 |
| Efficiency ratio | 67.1604% | 5,151 |
| Assets per employee ($millions) | 3.0405% | 6,122 |
| Cash dividends to net income (ytd only)* | 52.3218% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5485% | 3,484 |
| Loan loss allowance to noncurrent loans | 59.7064% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 1.7885% | 3,686 |
| Noncurrent loans to loans | 2.5935% | 2,963 |
| Net loans and leases to total assets | 58.2310% | 5,627 |
| Net loans and leases to deposits | 75.9311% | 4,752 |
| Net loans and leases to core deposits | 102.9366% | 3,694 |
| Total domestic deposits to total assets | 76.6892% | 6,553 |
| Equity capital to assets | 10.5202% | 3,157 |
| Core capital (leverage) ratio | 10.1248% | 2,976 |
| Tier 1 risk-based capital ratio | 15.0661% | 2,907 |
| Total risk-based capital ratio | 16.3174% | 2,858 |
| Memoranda: | ||
| Average total assets | $271,551,400 | 2,406 |
| Average earning assets | $250,156,600 | 2,399 |
| Average equity | $28,781,000 | 2,315 |
| Average total loans | $169,882,800 | 2,618 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0183% | 1,957 |
| Cost of funding earning assets | 1.3840% | 6,293 |
| Net interest margin | 4.6343% | 935 |
| Noninterest income to average assets | 1.1285% | 1,233 |
| Noninterest expense to average assets | 3.5516% | 2,139 |
| Loan and lease loss provision to assets | 0.5041% | 3,370 |
| Net operating income to assets | 1.0582% | 1,868 |
| Return on assets (ROA) | 1.0617% | 1,919 |
| Pretax return on assets | 1.3610% | 1,795 |
| Return on Equity (ROE) | 9.9977% | 1,911 |
| Retained earnings to average equity (ytd only) | 9.9977% | 634 |
| Net charge-offs to loans | 0.2394% | 4,554 |
| Credit loss provision to net charge-offs | 331.9218% | 1,242 |
| Earnings coverage of net charge-offs (x) | 12.2509% | 1,781 |
| Efficiency ratio | 65.6216% | 5,437 |
| Assets per employee ($millions) | 2.9236% | 6,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5181% | 3,334 |
| Loan loss allowance to noncurrent loans | 66.9152% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 1.6710% | 3,865 |
| Noncurrent loans to loans | 2.2687% | 3,308 |
| Net loans and leases to total assets | 62.2218% | 5,202 |
| Net loans and leases to deposits | 82.3624% | 3,947 |
| Net loans and leases to core deposits | 108.5713% | 3,403 |
| Total domestic deposits to total assets | 75.5464% | 6,667 |
| Equity capital to assets | 10.7518% | 3,244 |
| Core capital (leverage) ratio | 10.5540% | 2,753 |
| Tier 1 risk-based capital ratio | 14.9560% | 3,062 |
| Total risk-based capital ratio | 16.2078% | 2,997 |
| Memoranda: | ||
| Average total assets | $269,507,000 | 2,432 |
| Average earning assets | $249,123,750 | 2,436 |
| Average equity | $28,619,250 | 2,348 |
| Average total loans | $170,990,750 | 2,641 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0623% | 1,939 |
| Cost of funding earning assets | 1.4272% | 6,390 |
| Net interest margin | 4.6350% | 897 |
| Noninterest income to average assets | 1.1340% | 1,222 |
| Noninterest expense to average assets | 3.5961% | 2,077 |
| Loan and lease loss provision to assets | 0.7976% | 2,096 |
| Net operating income to assets | 0.7986% | 2,862 |
| Return on assets (ROA) | 0.8074% | 2,922 |
| Pretax return on assets | 1.0354% | 2,859 |
| Return on Equity (ROE) | 7.6370% | 2,910 |
| Retained earnings to average equity (ytd only) | 7.6370% | 1,340 |
| Net charge-offs to loans | 0.3778% | 3,305 |
| Credit loss provision to net charge-offs | 332.2884% | 1,401 |
| Earnings coverage of net charge-offs (x) | 7.5893% | 2,423 |
| Efficiency ratio | 66.3750% | 5,485 |
| Assets per employee ($millions) | 2.7920% | 6,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5286% | 3,042 |
| Loan loss allowance to noncurrent loans | 68.6601% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 1.7114% | 3,618 |
| Noncurrent loans to loans | 2.2263% | 3,224 |
| Net loans and leases to total assets | 64.7246% | 4,830 |
| Net loans and leases to deposits | 83.9712% | 3,883 |
| Net loans and leases to core deposits | 111.4049% | 3,213 |
| Total domestic deposits to total assets | 77.0795% | 6,303 |
| Equity capital to assets | 10.6066% | 3,292 |
| Core capital (leverage) ratio | 10.2972% | 2,998 |
| Tier 1 risk-based capital ratio | 14.5983% | 3,192 |
| Total risk-based capital ratio | 15.8075% | 3,155 |
| Memoranda: | ||
| Average total assets | $265,786,000 | 2,479 |
| Average earning assets | $245,650,330 | 2,469 |
| Average equity | $28,100,000 | 2,400 |
| Average total loans | $168,877,670 | 2,695 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1497% | 1,763 |
| Cost of funding earning assets | 1.4621% | 6,531 |
| Net interest margin | 4.6876% | 786 |
| Noninterest income to average assets | 1.1517% | 1,113 |
| Noninterest expense to average assets | 3.6191% | 1,825 |
| Loan and lease loss provision to assets | 0.6457% | 1,961 |
| Net operating income to assets | 0.9669% | 2,455 |
| Return on assets (ROA) | 0.9694% | 2,569 |
| Pretax return on assets | 1.2155% | 2,568 |
| Return on Equity (ROE) | 9.1840% | 2,642 |
| Retained earnings to average equity (ytd only) | 9.1840% | 1,424 |
| Net charge-offs to loans | 0.2702% | 3,046 |
| Credit loss provision to net charge-offs | 382.8829% | 1,345 |
| Earnings coverage of net charge-offs (x) | 11.0180% | 1,903 |
| Efficiency ratio | 66.0749% | 5,313 |
| Assets per employee ($millions) | 2.6991% | 6,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3779% | 3,629 |
| Loan loss allowance to noncurrent loans | 342.8999% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.5342% | 5,885 |
| Noncurrent loans to loans | 0.4018% | 6,411 |
| Net loans and leases to total assets | 62.0754% | 5,304 |
| Net loans and leases to deposits | 79.3354% | 4,719 |
| Net loans and leases to core deposits | 103.9841% | 4,141 |
| Total domestic deposits to total assets | 78.2442% | 5,931 |
| Equity capital to assets | 10.6949% | 3,294 |
| Core capital (leverage) ratio | 10.4806% | 2,950 |
| Tier 1 risk-based capital ratio | 14.7542% | 3,180 |
| Total risk-based capital ratio | 15.9839% | 3,123 |
| Memoranda: | ||
| Average total assets | $263,267,500 | 2,523 |
| Average earning assets | $242,938,500 | 2,512 |
| Average equity | $27,787,500 | 2,435 |
| Average total loans | $164,311,500 | 2,779 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5714% | 2,617 |
| Cost of funding earning assets | 1.9933% | 6,432 |
| Net interest margin | 4.5781% | 1,237 |
| Noninterest income to average assets | 1.0988% | 1,302 |
| Noninterest expense to average assets | 3.6437% | 2,055 |
| Loan and lease loss provision to assets | 0.2220% | 4,666 |
| Net operating income to assets | 1.1531% | 1,930 |
| Return on assets (ROA) | 1.1655% | 1,818 |
| Pretax return on assets | 1.4939% | 1,702 |
| Return on Equity (ROE) | 11.2057% | 1,845 |
| Retained earnings to average equity (ytd only) | 5.2353% | 1,889 |
| Net charge-offs to loans | 0.2196% | 4,031 |
| Credit loss provision to net charge-offs | 158.4488% | 3,273 |
| Earnings coverage of net charge-offs (x) | 12.1330% | 2,286 |
| Efficiency ratio | 68.1871% | 4,692 |
| Assets per employee ($millions) | 2.6203% | 6,963 |
| Cash dividends to net income (ytd only)* | 53.2801% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2212% | 4,372 |
| Loan loss allowance to noncurrent loans | 227.0642% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.6244% | 5,329 |
| Noncurrent loans to loans | 0.5378% | 5,748 |
| Net loans and leases to total assets | 61.1214% | 5,751 |
| Net loans and leases to deposits | 79.9483% | 5,053 |
| Net loans and leases to core deposits | 101.8338% | 4,631 |
| Total domestic deposits to total assets | 76.4512% | 6,131 |
| Equity capital to assets | 10.4135% | 3,596 |
| Core capital (leverage) ratio | 10.2846% | 3,184 |
| Tier 1 risk-based capital ratio | 14.3495% | 3,362 |
| Total risk-based capital ratio | 15.4062% | 3,393 |
| Memoranda: | ||
| Average total assets | $257,646,800 | 2,485 |
| Average earning assets | $238,900,600 | 2,463 |
| Average equity | $26,798,800 | 2,493 |
| Average total loans | $164,388,200 | 2,706 |