Home > DMB Community Bank > Performance and Condition Ratios
DMB Community 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 | 4.2373% | 3,558 |
| Cost of funding earning assets | 2.9922% | 146 |
| Net interest margin | 1.2452% | 4,532 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 1.3562% | 4,412 |
| Loan and lease loss provision to assets | -0.0500% | 4,436 |
| Net operating income to assets | -0.0585% | 4,415 |
| Return on assets (ROA) | -0.0459% | 4,392 |
| Pretax return on assets | 0.0493% | 4,312 |
| Return on Equity (ROE) | -0.4400% | 4,366 |
| Retained earnings to average equity (ytd only) | -6.6998% | 4,424 |
| Net charge-offs to loans | -0.0006% | 3,555 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 101.1287% | 170 |
| Assets per employee ($millions) | 18.3752% | 122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2817% | 1,869 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 83.9500% | 271 |
| Net loans and leases to deposits | 98.3705% | 626 |
| Net loans and leases to core deposits | 191.9937% | 86 |
| Total domestic deposits to total assets | 85.3400% | 2,201 |
| Equity capital to assets | 10.0336% | 1,986 |
| Core capital (leverage) ratio | 10.6589% | 2,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3337% | 1,203 |
| Memoranda: | ||
| Average total assets | $825,844,800 | 1,154 |
| Average earning assets | $787,995,200 | 1,118 |
| Average equity | $87,002,400 | 1,063 |
| Average total loans | $704,900,600 | 951 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 124,255.0000% | 10 |
| Cost of funding earning assets | -400.0000% | 4,639 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 0.1881% | 4,257 |
| Pretax return on assets | 0.1872% | 4,272 |
| Return on Equity (ROE) | 1.7600% | 4,229 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 1.8044% | 4,599 |
| Assets per employee ($millions) | 0.0000% | 4,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 4.0000% | 38 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 1,410.0000% | 9 |
| Equity capital to assets | 12,073.0000% | 22 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,248,000 | 4,623 |
| Average earning assets | $8,069 | 4,594 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0490% | 3,590 |
| Cost of funding earning assets | 2.5562% | 171 |
| Net interest margin | 1.4928% | 4,578 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 1.3933% | 4,418 |
| Loan and lease loss provision to assets | -0.1000% | 4,565 |
| Net operating income to assets | 0.2748% | 4,196 |
| Return on assets (ROA) | 0.3006% | 4,183 |
| Pretax return on assets | 0.3195% | 4,208 |
| Return on Equity (ROE) | 2.7900% | 4,189 |
| Retained earnings to average equity (ytd only) | -0.1400% | 4,117 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 87.7236% | 435 |
| Assets per employee ($millions) | 18.8288% | 107 |
| Cash dividends to net income (ytd only)* | 105.0081% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2666% | 2,091 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 84.8000% | 224 |
| Net loans and leases to deposits | 98.2246% | 591 |
| Net loans and leases to core deposits | 207.0501% | 35 |
| Total domestic deposits to total assets | 86.3400% | 2,135 |
| Equity capital to assets | 10.6474% | 1,529 |
| Core capital (leverage) ratio | 11.3327% | 1,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8825% | 1,142 |
| Memoranda: | ||
| Average total assets | $823,672,667 | 1,153 |
| Average earning assets | $786,956,000 | 1,113 |
| Average equity | $88,593,000 | 1,032 |
| Average total loans | $703,069,000 | 938 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9324% | 3,606 |
| Cost of funding earning assets | 2.2549% | 172 |
| Net interest margin | 1.6775% | 4,620 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 1.3481% | 4,510 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3000% | 4,251 |
| Return on assets (ROA) | 0.3404% | 4,141 |
| Pretax return on assets | 0.4603% | 4,041 |
| Return on Equity (ROE) | 3.1500% | 4,166 |
| Retained earnings to average equity (ytd only) | 1.7976% | 3,734 |
| Net charge-offs to loans | -0.0006% | 3,279 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.7184% | 1,108 |
| Assets per employee ($millions) | 18.0792% | 118 |
| Cash dividends to net income (ytd only)* | 42.9185% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3295% | 1,898 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 84.0100% | 236 |
| Net loans and leases to deposits | 96.0541% | 649 |
| Net loans and leases to core deposits | 201.8169% | 34 |
| Total domestic deposits to total assets | 87.4600% | 2,108 |
| Equity capital to assets | 10.7358% | 1,440 |
| Core capital (leverage) ratio | 11.6228% | 1,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0131% | 1,149 |
| Memoranda: | ||
| Average total assets | $821,275,500 | 1,177 |
| Average earning assets | $784,967,000 | 1,136 |
| Average equity | $88,784,500 | 1,046 |
| Average total loans | $698,807,500 | 957 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6442% | 2,673 |
| Cost of funding earning assets | 0.7148% | 548 |
| Net interest margin | 2.9294% | 3,612 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 1.5220% | 4,402 |
| Loan and lease loss provision to assets | 0.2500% | 370 |
| Net operating income to assets | 0.9998% | 2,566 |
| Return on assets (ROA) | 1.0142% | 2,461 |
| Pretax return on assets | 1.3708% | 1,862 |
| Return on Equity (ROE) | 9.3600% | 3,008 |
| Retained earnings to average equity (ytd only) | 7.1518% | 2,177 |
| Net charge-offs to loans | -0.0028% | 3,515 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 48.7519% | 4,204 |
| Assets per employee ($millions) | 17.6284% | 127 |
| Cash dividends to net income (ytd only)* | 23.5930% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3650% | 1,626 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 83.8700% | 265 |
| Net loans and leases to deposits | 95.9482% | 643 |
| Net loans and leases to core deposits | 187.7077% | 30 |
| Total domestic deposits to total assets | 87.4100% | 2,264 |
| Equity capital to assets | 10.8872% | 1,307 |
| Core capital (leverage) ratio | 11.6668% | 1,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5517% | 1,045 |
| Memoranda: | ||
| Average total assets | $748,096,600 | 1,245 |
| Average earning assets | $720,156,000 | 1,201 |
| Average equity | $81,056,600 | 1,118 |
| Average total loans | $638,500,400 | 985 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5339% | 2,512 |
| Cost of funding earning assets | 0.4233% | 1,133 |
| Net interest margin | 3.1106% | 2,900 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 1.5341% | 4,380 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.1651% | 1,835 |
| Return on assets (ROA) | 1.1848% | 1,727 |
| Pretax return on assets | 1.6026% | 1,114 |
| Return on Equity (ROE) | 10.9500% | 2,395 |
| Retained earnings to average equity (ytd only) | 9.6200% | 1,453 |
| Net charge-offs to loans | -0.0019% | 3,258 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 47.2286% | 4,319 |
| Assets per employee ($millions) | 17.9736% | 124 |
| Cash dividends to net income (ytd only)* | 12.1389% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 2,642 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 84.2100% | 228 |
| Net loans and leases to deposits | 97.2779% | 484 |
| Net loans and leases to core deposits | 169.4530% | 40 |
| Total domestic deposits to total assets | 86.5700% | 2,897 |
| Equity capital to assets | 10.6695% | 1,305 |
| Core capital (leverage) ratio | 11.8853% | 1,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3422% | 1,114 |
| Memoranda: | ||
| Average total assets | $732,394,000 | 1,281 |
| Average earning assets | $706,548,250 | 1,233 |
| Average equity | $79,249,500 | 1,154 |
| Average total loans | $625,740,750 | 1,002 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4527% | 2,288 |
| Cost of funding earning assets | 0.2577% | 2,168 |
| Net interest margin | 3.1950% | 2,202 |
| Noninterest income to average assets | 0.2973% | 3,384 |
| Noninterest expense to average assets | 1.5999% | 4,306 |
| Loan and lease loss provision to assets | 0.2140% | 374 |
| Net operating income to assets | 1.1679% | 1,547 |
| Return on assets (ROA) | 1.1978% | 1,418 |
| Pretax return on assets | 1.6136% | 908 |
| Return on Equity (ROE) | 11.0095% | 1,974 |
| Retained earnings to average equity (ytd only) | 9.8556% | 1,058 |
| Net charge-offs to loans | -0.0027% | 3,183 |
| Credit loss provision to net charge-offs | -9,375.0000% | 3,847 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2009% | 4,389 |
| Assets per employee ($millions) | 16.5113% | 149 |
| Cash dividends to net income (ytd only)* | 10.4812% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 2,351 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 85.2166% | 122 |
| Net loans and leases to deposits | 96.9054% | 389 |
| Net loans and leases to core deposits | 148.1277% | 58 |
| Total domestic deposits to total assets | 87.9379% | 2,598 |
| Equity capital to assets | 10.2799% | 1,547 |
| Core capital (leverage) ratio | 11.1254% | 1,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6782% | 1,265 |
| Memoranda: | ||
| Average total assets | $700,930,000 | 1,319 |
| Average earning assets | $678,365,000 | 1,283 |
| Average equity | $76,261,333 | 1,213 |
| Average total loans | $599,469,333 | 1,028 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3815% | 2,142 |
| Cost of funding earning assets | 0.2102% | 2,667 |
| Net interest margin | 3.1713% | 1,967 |
| Noninterest income to average assets | 0.2888% | 3,392 |
| Noninterest expense to average assets | 1.6354% | 4,242 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2526% | 1,113 |
| Return on assets (ROA) | 1.3090% | 972 |
| Pretax return on assets | 1.7891% | 558 |
| Return on Equity (ROE) | 11.6678% | 1,407 |
| Retained earnings to average equity (ytd only) | 10.6061% | 871 |
| Net charge-offs to loans | -0.0042% | 3,291 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7744% | 4,362 |
| Assets per employee ($millions) | 15.4956% | 187 |
| Cash dividends to net income (ytd only)* | 9.0992% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2765% | 2,470 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 83.7352% | 96 |
| Net loans and leases to deposits | 96.6950% | 264 |
| Net loans and leases to core deposits | 132.7809% | 82 |
| Total domestic deposits to total assets | 86.5972% | 3,076 |
| Equity capital to assets | 11.2491% | 1,215 |
| Core capital (leverage) ratio | 12.0798% | 1,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0381% | 1,035 |
| Memoranda: | ||
| Average total assets | $671,634,500 | 1,364 |
| Average earning assets | $648,946,000 | 1,328 |
| Average equity | $75,353,000 | 1,251 |
| Average total loans | $571,434,000 | 1,052 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5458% | 2,526 |
| Cost of funding earning assets | 0.2893% | 2,512 |
| Net interest margin | 3.2565% | 2,441 |
| Noninterest income to average assets | 0.5502% | 2,362 |
| Noninterest expense to average assets | 1.7118% | 4,278 |
| Loan and lease loss provision to assets | 0.1512% | 795 |
| Net operating income to assets | 1.3472% | 1,456 |
| Return on assets (ROA) | 1.3764% | 1,406 |
| Pretax return on assets | 1.8657% | 792 |
| Return on Equity (ROE) | 11.7117% | 1,913 |
| Retained earnings to average equity (ytd only) | 8.5657% | 1,323 |
| Net charge-offs to loans | -0.0018% | 3,344 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3674% | 4,479 |
| Assets per employee ($millions) | 14.3548% | 226 |
| Cash dividends to net income (ytd only)* | 26.8620% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3681% | 2,057 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 84.1973% | 104 |
| Net loans and leases to deposits | 97.3022% | 269 |
| Net loans and leases to core deposits | 134.1944% | 83 |
| Total domestic deposits to total assets | 86.5318% | 2,702 |
| Equity capital to assets | 11.1873% | 1,668 |
| Core capital (leverage) ratio | 11.3558% | 1,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4218% | 1,177 |
| Memoranda: | ||
| Average total assets | $595,045,200 | 1,463 |
| Average earning assets | $574,053,600 | 1,426 |
| Average equity | $69,929,800 | 1,346 |
| Average total loans | $499,159,200 | 1,165 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5623% | 2,654 |
| Cost of funding earning assets | 0.3173% | 2,435 |
| Net interest margin | 3.2450% | 2,596 |
| Noninterest income to average assets | 0.5097% | 2,580 |
| Noninterest expense to average assets | 1.7101% | 4,315 |
| Loan and lease loss provision to assets | 0.0687% | 1,634 |
| Net operating income to assets | 1.3627% | 1,647 |
| Return on assets (ROA) | 1.4013% | 1,601 |
| Pretax return on assets | 1.9100% | 930 |
| Return on Equity (ROE) | 11.7668% | 2,129 |
| Retained earnings to average equity (ytd only) | 9.4596% | 1,509 |
| Net charge-offs to loans | -0.0115% | 3,726 |
| Credit loss provision to net charge-offs | -714.2857% | 3,757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9808% | 4,445 |
| Assets per employee ($millions) | 13.6242% | 263 |
| Cash dividends to net income (ytd only)* | 19.6078% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3279% | 2,355 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 84.5765% | 101 |
| Net loans and leases to deposits | 99.1059% | 244 |
| Net loans and leases to core deposits | 141.5922% | 77 |
| Total domestic deposits to total assets | 85.3395% | 3,006 |
| Equity capital to assets | 11.6724% | 1,556 |
| Core capital (leverage) ratio | 11.5639% | 1,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0721% | 1,118 |
| Memoranda: | ||
| Average total assets | $582,315,000 | 1,507 |
| Average earning assets | $561,755,250 | 1,466 |
| Average equity | $69,345,750 | 1,376 |
| Average total loans | $486,091,500 | 1,211 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5504% | 2,772 |
| Cost of funding earning assets | 0.3521% | 2,302 |
| Net interest margin | 3.1983% | 2,763 |
| Noninterest income to average assets | 0.5416% | 2,439 |
| Noninterest expense to average assets | 1.7344% | 4,312 |
| Loan and lease loss provision to assets | 0.1049% | 1,196 |
| Net operating income to assets | 1.3046% | 1,856 |
| Return on assets (ROA) | 1.3656% | 1,739 |
| Pretax return on assets | 1.8628% | 1,090 |
| Return on Equity (ROE) | 11.3866% | 2,273 |
| Retained earnings to average equity (ytd only) | 8.1799% | 2,010 |
| Net charge-offs to loans | -0.0030% | 3,287 |
| Credit loss provision to net charge-offs | -4,285.7143% | 3,957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8492% | 4,397 |
| Assets per employee ($millions) | 13.4812% | 258 |
| Cash dividends to net income (ytd only)* | 28.1618% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3608% | 2,150 |
| Loan loss allowance to noncurrent loans | 347,100.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 4,351 |
| Noncurrent loans to loans | 0.0004% | 4,278 |
| Net loans and leases to total assets | 82.9442% | 173 |
| Net loans and leases to deposits | 97.9317% | 316 |
| Net loans and leases to core deposits | 137.8599% | 90 |
| Total domestic deposits to total assets | 84.6959% | 3,221 |
| Equity capital to assets | 11.4829% | 1,642 |
| Core capital (leverage) ratio | 11.7820% | 1,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0505% | 1,104 |
| Memoranda: | ||
| Average total assets | $572,057,000 | 1,521 |
| Average earning assets | $551,483,000 | 1,482 |
| Average equity | $68,607,000 | 1,376 |
| Average total loans | $472,953,000 | 1,236 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5994% | 2,639 |
| Cost of funding earning assets | 0.4132% | 1,989 |
| Net interest margin | 3.1862% | 2,741 |
| Noninterest income to average assets | 0.6158% | 2,146 |
| Noninterest expense to average assets | 1.7233% | 4,337 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4253% | 1,509 |
| Return on assets (ROA) | 1.5495% | 1,285 |
| Pretax return on assets | 2.1184% | 783 |
| Return on Equity (ROE) | 12.6264% | 1,777 |
| Retained earnings to average equity (ytd only) | 11.4513% | 1,282 |
| Net charge-offs to loans | -0.0035% | 3,267 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7710% | 4,421 |
| Assets per employee ($millions) | 12.9306% | 284 |
| Cash dividends to net income (ytd only)* | 9.3067% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4464% | 1,789 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 79.5104% | 361 |
| Net loans and leases to deposits | 94.8580% | 449 |
| Net loans and leases to core deposits | 128.4786% | 159 |
| Total domestic deposits to total assets | 83.8205% | 3,496 |
| Equity capital to assets | 12.0909% | 1,246 |
| Core capital (leverage) ratio | 12.3663% | 1,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5229% | 848 |
| Memoranda: | ||
| Average total assets | $554,757,500 | 1,547 |
| Average earning assets | $534,305,500 | 1,506 |
| Average equity | $68,079,500 | 1,379 |
| Average total loans | $454,365,500 | 1,280 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9546% | 2,866 |
| Cost of funding earning assets | 0.9683% | 672 |
| Net interest margin | 2.9863% | 3,918 |
| Noninterest income to average assets | 0.6193% | 2,144 |
| Noninterest expense to average assets | 1.7444% | 4,553 |
| Loan and lease loss provision to assets | 0.0953% | 3,152 |
| Net operating income to assets | 1.2110% | 1,515 |
| Return on assets (ROA) | 1.2278% | 1,564 |
| Pretax return on assets | 1.6695% | 907 |
| Return on Equity (ROE) | 9.8916% | 2,044 |
| Retained earnings to average equity (ytd only) | 7.4344% | 1,217 |
| Net charge-offs to loans | -0.0025% | 4,016 |
| Credit loss provision to net charge-offs | -4,545.4545% | 4,314 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0137% | 4,532 |
| Assets per employee ($millions) | 12.8706% | 271 |
| Cash dividends to net income (ytd only)* | 24.8409% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4754% | 1,670 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 81.9665% | 298 |
| Net loans and leases to deposits | 98.3091% | 449 |
| Net loans and leases to core deposits | 129.3676% | 206 |
| Total domestic deposits to total assets | 83.3763% | 3,301 |
| Equity capital to assets | 12.4625% | 1,345 |
| Core capital (leverage) ratio | 12.4040% | 1,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2952% | 862 |
| Memoranda: | ||
| Average total assets | $524,582,400 | 1,480 |
| Average earning assets | $503,897,600 | 1,448 |
| Average equity | $65,116,000 | 1,371 |
| Average total loans | $432,548,200 | 1,268 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0185% | 2,919 |
| Cost of funding earning assets | 1.0857% | 561 |
| Net interest margin | 2.9328% | 4,119 |
| Noninterest income to average assets | 0.6149% | 2,121 |
| Noninterest expense to average assets | 1.7003% | 4,626 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.2711% | 1,420 |
| Return on assets (ROA) | 1.2931% | 1,472 |
| Pretax return on assets | 1.7598% | 848 |
| Return on Equity (ROE) | 10.4284% | 1,865 |
| Retained earnings to average equity (ytd only) | 8.9826% | 985 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5411% | 4,524 |
| Assets per employee ($millions) | 12.7900% | 274 |
| Cash dividends to net income (ytd only)* | 13.8641% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3884% | 1,785 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 80.9842% | 524 |
| Net loans and leases to deposits | 97.4191% | 665 |
| Net loans and leases to core deposits | 127.2900% | 285 |
| Total domestic deposits to total assets | 83.1296% | 3,111 |
| Equity capital to assets | 12.4869% | 1,437 |
| Core capital (leverage) ratio | 12.2973% | 1,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3694% | 857 |
| Memoranda: | ||
| Average total assets | $520,586,250 | 1,473 |
| Average earning assets | $500,072,250 | 1,435 |
| Average equity | $64,553,000 | 1,363 |
| Average total loans | $428,255,500 | 1,269 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0845% | 3,090 |
| Cost of funding earning assets | 1.2120% | 482 |
| Net interest margin | 2.8725% | 4,352 |
| Noninterest income to average assets | 0.5572% | 2,318 |
| Noninterest expense to average assets | 1.7287% | 4,657 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1629% | 1,753 |
| Return on assets (ROA) | 1.1964% | 1,777 |
| Pretax return on assets | 1.6282% | 1,162 |
| Return on Equity (ROE) | 9.6717% | 2,087 |
| Retained earnings to average equity (ytd only) | 7.6313% | 1,423 |
| Net charge-offs to loans | -0.0014% | 3,782 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1556% | 4,346 |
| Assets per employee ($millions) | 12.8357% | 261 |
| Cash dividends to net income (ytd only)* | 21.0970% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3957% | 1,599 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 80.3054% | 564 |
| Net loans and leases to deposits | 96.2374% | 776 |
| Net loans and leases to core deposits | 133.3338% | 225 |
| Total domestic deposits to total assets | 83.4450% | 2,942 |
| Equity capital to assets | 12.1257% | 1,588 |
| Core capital (leverage) ratio | 11.9255% | 1,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1392% | 889 |
| Memoranda: | ||
| Average total assets | $515,055,333 | 1,468 |
| Average earning assets | $494,405,000 | 1,427 |
| Average equity | $63,711,667 | 1,369 |
| Average total loans | $423,955,667 | 1,272 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1411% | 3,400 |
| Cost of funding earning assets | 1.3665% | 460 |
| Net interest margin | 2.7746% | 4,593 |
| Noninterest income to average assets | 0.3610% | 3,357 |
| Noninterest expense to average assets | 1.7725% | 4,699 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9126% | 2,481 |
| Return on assets (ROA) | 0.9773% | 2,359 |
| Pretax return on assets | 1.3295% | 1,784 |
| Return on Equity (ROE) | 7.8178% | 2,592 |
| Retained earnings to average equity (ytd only) | 6.5455% | 1,698 |
| Net charge-offs to loans | 0.0010% | 2,562 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 1,569.0000% | 23 |
| Efficiency ratio | 58.6888% | 3,915 |
| Assets per employee ($millions) | 11.9677% | 239 |
| Cash dividends to net income (ytd only)* | 16.2734% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4136% | 1,653 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 82.9955% | 357 |
| Net loans and leases to deposits | 99.1736% | 613 |
| Net loans and leases to core deposits | 141.2364% | 157 |
| Total domestic deposits to total assets | 83.6871% | 2,891 |
| Equity capital to assets | 12.3851% | 1,799 |
| Core capital (leverage) ratio | 12.6487% | 1,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7520% | 1,020 |
| Memoranda: | ||
| Average total assets | $503,032,500 | 1,456 |
| Average earning assets | $482,095,000 | 1,418 |
| Average equity | $62,882,500 | 1,374 |
| Average total loans | $416,406,000 | 1,256 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3401% | 3,419 |
| Cost of funding earning assets | 1.4807% | 421 |
| Net interest margin | 2.8594% | 4,699 |
| Noninterest income to average assets | 0.3435% | 3,652 |
| Noninterest expense to average assets | 1.6659% | 4,906 |
| Loan and lease loss provision to assets | 0.0608% | 2,825 |
| Net operating income to assets | 0.9967% | 2,860 |
| Return on assets (ROA) | 1.1153% | 2,478 |
| Pretax return on assets | 1.5101% | 1,779 |
| Return on Equity (ROE) | 9.1349% | 2,692 |
| Retained earnings to average equity (ytd only) | 5.9649% | 1,884 |
| Net charge-offs to loans | -0.0953% | 4,949 |
| Credit loss provision to net charge-offs | -76.1421% | 4,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9719% | 4,424 |
| Assets per employee ($millions) | 11.4292% | 264 |
| Cash dividends to net income (ytd only)* | 34.7020% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5328% | 1,132 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 80.0602% | 781 |
| Net loans and leases to deposits | 95.9794% | 943 |
| Net loans and leases to core deposits | 127.3605% | 318 |
| Total domestic deposits to total assets | 83.4139% | 3,060 |
| Equity capital to assets | 12.6217% | 1,757 |
| Core capital (leverage) ratio | 12.5464% | 1,463 |
| Tier 1 risk-based capital ratio | 18.5108% | 1,629 |
| Total risk-based capital ratio | 19.7681% | 1,601 |
| Memoranda: | ||
| Average total assets | $493,484,600 | 1,444 |
| Average earning assets | $473,420,000 | 1,408 |
| Average equity | $60,252,600 | 1,373 |
| Average total loans | $413,500,200 | 1,235 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3453% | 3,524 |
| Cost of funding earning assets | 1.4849% | 427 |
| Net interest margin | 2.8604% | 4,795 |
| Noninterest income to average assets | 0.3301% | 3,770 |
| Noninterest expense to average assets | 1.6537% | 4,959 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0467% | 2,795 |
| Return on assets (ROA) | 1.0966% | 2,678 |
| Pretax return on assets | 1.4853% | 2,004 |
| Return on Equity (ROE) | 9.0576% | 2,866 |
| Retained earnings to average equity (ytd only) | 6.9398% | 1,888 |
| Net charge-offs to loans | -0.1292% | 5,042 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7645% | 4,418 |
| Assets per employee ($millions) | 11.4909% | 244 |
| Cash dividends to net income (ytd only)* | 23.3818% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3856% | 1,633 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 84.0465% | 349 |
| Net loans and leases to deposits | 100.8590% | 577 |
| Net loans and leases to core deposits | 140.9810% | 175 |
| Total domestic deposits to total assets | 83.3306% | 3,055 |
| Equity capital to assets | 12.4559% | 1,947 |
| Core capital (leverage) ratio | 12.3388% | 1,663 |
| Tier 1 risk-based capital ratio | 17.4607% | 1,953 |
| Total risk-based capital ratio | 18.7159% | 1,923 |
| Memoranda: | ||
| Average total assets | $493,992,000 | 1,448 |
| Average earning assets | $474,182,750 | 1,404 |
| Average equity | $59,808,250 | 1,381 |
| Average total loans | $416,979,000 | 1,233 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3369% | 3,523 |
| Cost of funding earning assets | 1.4659% | 426 |
| Net interest margin | 2.8710% | 4,851 |
| Noninterest income to average assets | 0.3106% | 3,849 |
| Noninterest expense to average assets | 1.6779% | 4,994 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0228% | 2,833 |
| Return on assets (ROA) | 1.0977% | 2,595 |
| Pretax return on assets | 1.4848% | 1,906 |
| Return on Equity (ROE) | 9.1543% | 2,792 |
| Retained earnings to average equity (ytd only) | 7.2971% | 1,689 |
| Net charge-offs to loans | -0.0096% | 4,312 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6918% | 4,390 |
| Assets per employee ($millions) | 10.9842% | 265 |
| Cash dividends to net income (ytd only)* | 20.2877% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3071% | 1,985 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 83.2683% | 436 |
| Net loans and leases to deposits | 99.3286% | 726 |
| Net loans and leases to core deposits | 139.0932% | 203 |
| Total domestic deposits to total assets | 83.8311% | 2,940 |
| Equity capital to assets | 12.2522% | 2,021 |
| Core capital (leverage) ratio | 12.0592% | 1,793 |
| Tier 1 risk-based capital ratio | 16.8707% | 2,126 |
| Total risk-based capital ratio | 18.1242% | 2,066 |
| Memoranda: | ||
| Average total assets | $493,952,670 | 1,449 |
| Average earning assets | $474,398,000 | 1,401 |
| Average equity | $59,229,000 | 1,390 |
| Average total loans | $415,599,670 | 1,237 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2518% | 3,705 |
| Cost of funding earning assets | 1.4049% | 451 |
| Net interest margin | 2.8469% | 4,940 |
| Noninterest income to average assets | 0.3062% | 3,829 |
| Noninterest expense to average assets | 1.6299% | 5,075 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0370% | 2,711 |
| Return on assets (ROA) | 1.1868% | 2,153 |
| Pretax return on assets | 1.5991% | 1,474 |
| Return on Equity (ROE) | 10.0063% | 2,371 |
| Retained earnings to average equity (ytd only) | 7.9572% | 1,681 |
| Net charge-offs to loans | -0.0096% | 4,214 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6247% | 4,567 |
| Assets per employee ($millions) | 11.4181% | 236 |
| Cash dividends to net income (ytd only)* | 20.4778% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2883% | 2,145 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 82.9824% | 470 |
| Net loans and leases to deposits | 98.3988% | 747 |
| Net loans and leases to core deposits | 141.8986% | 172 |
| Total domestic deposits to total assets | 84.3327% | 2,935 |
| Equity capital to assets | 11.8038% | 2,156 |
| Core capital (leverage) ratio | 12.0434% | 1,746 |
| Tier 1 risk-based capital ratio | 16.4031% | 2,303 |
| Total risk-based capital ratio | 17.6562% | 2,244 |
| Memoranda: | ||
| Average total assets | $493,785,000 | 1,454 |
| Average earning assets | $474,056,500 | 1,408 |
| Average equity | $58,563,000 | 1,397 |
| Average total loans | $414,881,500 | 1,246 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1890% | 3,467 |
| Cost of funding earning assets | 1.1613% | 394 |
| Net interest margin | 3.0277% | 4,768 |
| Noninterest income to average assets | 0.3295% | 3,897 |
| Noninterest expense to average assets | 1.6948% | 5,094 |
| Loan and lease loss provision to assets | 0.0523% | 3,135 |
| Net operating income to assets | 1.1092% | 2,557 |
| Return on assets (ROA) | 1.1092% | 2,558 |
| Pretax return on assets | 1.4873% | 1,820 |
| Return on Equity (ROE) | 9.4360% | 2,775 |
| Retained earnings to average equity (ytd only) | 6.5329% | 1,906 |
| Net charge-offs to loans | 0.0102% | 3,328 |
| Credit loss provision to net charge-offs | 609.7561% | 567 |
| Earnings coverage of net charge-offs (x) | 179.3659% | 487 |
| Efficiency ratio | 52.3982% | 4,765 |
| Assets per employee ($millions) | 10.1078% | 333 |
| Cash dividends to net income (ytd only)* | 30.7663% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3330% | 1,895 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 82.8550% | 532 |
| Net loans and leases to deposits | 98.2914% | 872 |
| Net loans and leases to core deposits | 132.9851% | 274 |
| Total domestic deposits to total assets | 84.2953% | 2,909 |
| Equity capital to assets | 11.9182% | 1,959 |
| Core capital (leverage) ratio | 11.8963% | 1,800 |
| Tier 1 risk-based capital ratio | 16.3028% | 2,306 |
| Total risk-based capital ratio | 17.5560% | 2,251 |
| Memoranda: | ||
| Average total assets | $477,640,800 | 1,465 |
| Average earning assets | $458,270,800 | 1,422 |
| Average equity | $56,146,400 | 1,396 |
| Average total loans | $403,114,000 | 1,252 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1470% | 3,473 |
| Cost of funding earning assets | 1.0986% | 405 |
| Net interest margin | 3.0485% | 4,783 |
| Noninterest income to average assets | 0.3184% | 4,018 |
| Noninterest expense to average assets | 1.7356% | 5,103 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1423% | 2,476 |
| Return on assets (ROA) | 1.1423% | 2,489 |
| Pretax return on assets | 1.5091% | 1,873 |
| Return on Equity (ROE) | 9.7521% | 2,729 |
| Retained earnings to average equity (ytd only) | 7.7662% | 1,763 |
| Net charge-offs to loans | 0.0179% | 2,797 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 99.7197% | 754 |
| Efficiency ratio | 53.4894% | 4,656 |
| Assets per employee ($millions) | 10.9941% | 248 |
| Cash dividends to net income (ytd only)* | 20.3631% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2537% | 2,351 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 84.1484% | 440 |
| Net loans and leases to deposits | 99.6943% | 814 |
| Net loans and leases to core deposits | 137.6806% | 228 |
| Total domestic deposits to total assets | 84.4064% | 2,811 |
| Equity capital to assets | 11.7792% | 2,048 |
| Core capital (leverage) ratio | 11.9656% | 1,805 |
| Tier 1 risk-based capital ratio | 16.2238% | 2,367 |
| Total risk-based capital ratio | 17.4764% | 2,311 |
| Memoranda: | ||
| Average total assets | $475,757,750 | 1,472 |
| Average earning assets | $456,700,250 | 1,423 |
| Average equity | $55,727,000 | 1,407 |
| Average total loans | $402,037,250 | 1,253 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1031% | 3,435 |
| Cost of funding earning assets | 1.0316% | 405 |
| Net interest margin | 3.0715% | 4,784 |
| Noninterest income to average assets | 0.3268% | 4,007 |
| Noninterest expense to average assets | 1.7738% | 5,125 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1347% | 2,460 |
| Return on assets (ROA) | 1.1347% | 2,467 |
| Pretax return on assets | 1.4995% | 1,817 |
| Return on Equity (ROE) | 9.7055% | 2,709 |
| Retained earnings to average equity (ytd only) | 7.4274% | 1,872 |
| Net charge-offs to loans | 0.0015% | 3,158 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1,182.3333% | 66 |
| Efficiency ratio | 54.1909% | 4,673 |
| Assets per employee ($millions) | 10.7702% | 256 |
| Cash dividends to net income (ytd only)* | 23.4724% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3124% | 2,107 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 82.8146% | 607 |
| Net loans and leases to deposits | 98.7412% | 905 |
| Net loans and leases to core deposits | 136.4294% | 230 |
| Total domestic deposits to total assets | 83.8703% | 3,115 |
| Equity capital to assets | 11.8304% | 1,972 |
| Core capital (leverage) ratio | 11.9487% | 1,749 |
| Tier 1 risk-based capital ratio | 15.8073% | 2,509 |
| Total risk-based capital ratio | 17.0599% | 2,450 |
| Memoranda: | ||
| Average total assets | $473,096,330 | 1,492 |
| Average earning assets | $453,850,670 | 1,438 |
| Average equity | $55,309,000 | 1,418 |
| Average total loans | $398,640,000 | 1,258 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0452% | 3,444 |
| Cost of funding earning assets | 0.9718% | 425 |
| Net interest margin | 3.0734% | 4,754 |
| Noninterest income to average assets | 0.3207% | 4,011 |
| Noninterest expense to average assets | 1.7956% | 5,156 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1161% | 2,350 |
| Return on assets (ROA) | 1.1161% | 2,371 |
| Pretax return on assets | 1.4741% | 1,749 |
| Return on Equity (ROE) | 9.6046% | 2,633 |
| Retained earnings to average equity (ytd only) | 7.2016% | 2,183 |
| Net charge-offs to loans | 0.0140% | 2,264 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 124.4286% | 516 |
| Efficiency ratio | 54.9172% | 4,696 |
| Assets per employee ($millions) | 10.5642% | 268 |
| Cash dividends to net income (ytd only)* | 25.0190% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3120% | 2,187 |
| Loan loss allowance to noncurrent loans | 6,592.4051% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 5,039 |
| Noncurrent loans to loans | 0.0199% | 4,901 |
| Net loans and leases to total assets | 82.4020% | 614 |
| Net loans and leases to deposits | 97.8269% | 877 |
| Net loans and leases to core deposits | 140.6554% | 207 |
| Total domestic deposits to total assets | 84.2325% | 3,225 |
| Equity capital to assets | 11.6029% | 2,058 |
| Core capital (leverage) ratio | 11.6763% | 1,874 |
| Tier 1 risk-based capital ratio | 15.8111% | 2,550 |
| Total risk-based capital ratio | 17.0639% | 2,497 |
| Memoranda: | ||
| Average total assets | $472,699,500 | 1,501 |
| Average earning assets | $453,572,500 | 1,452 |
| Average equity | $54,932,000 | 1,430 |
| Average total loans | $399,125,500 | 1,261 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0688% | 3,173 |
| Cost of funding earning assets | 0.7716% | 728 |
| Net interest margin | 3.2972% | 4,172 |
| Noninterest income to average assets | 0.3630% | 3,871 |
| Noninterest expense to average assets | 1.8407% | 5,203 |
| Loan and lease loss provision to assets | 0.2902% | 602 |
| Net operating income to assets | 0.7954% | 3,184 |
| Return on assets (ROA) | 0.7843% | 3,267 |
| Pretax return on assets | 1.3707% | 2,091 |
| Return on Equity (ROE) | 7.0558% | 3,246 |
| Retained earnings to average equity (ytd only) | 5.1222% | 2,047 |
| Net charge-offs to loans | 0.2390% | 1,089 |
| Credit loss provision to net charge-offs | 143.4644% | 1,848 |
| Earnings coverage of net charge-offs (x) | 8.2976% | 2,930 |
| Efficiency ratio | 52.3088% | 5,084 |
| Assets per employee ($millions) | 9.7919% | 343 |
| Cash dividends to net income (ytd only)* | 27.4048% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3012% | 2,210 |
| Loan loss allowance to noncurrent loans | 471.2996% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.2357% | 3,963 |
| Noncurrent loans to loans | 0.2761% | 3,789 |
| Net loans and leases to total assets | 84.2729% | 421 |
| Net loans and leases to deposits | 100.0177% | 726 |
| Net loans and leases to core deposits | 160.7795% | 87 |
| Total domestic deposits to total assets | 84.2580% | 3,104 |
| Equity capital to assets | 11.6391% | 2,087 |
| Core capital (leverage) ratio | 11.4169% | 2,004 |
| Tier 1 risk-based capital ratio | 15.4411% | 2,645 |
| Total risk-based capital ratio | 16.6939% | 2,585 |
| Memoranda: | ||
| Average total assets | $465,253,000 | 1,494 |
| Average earning assets | $445,311,600 | 1,449 |
| Average equity | $51,716,000 | 1,480 |
| Average total loans | $393,705,800 | 1,250 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0404% | 3,213 |
| Cost of funding earning assets | 0.7347% | 823 |
| Net interest margin | 3.3057% | 4,156 |
| Noninterest income to average assets | 0.3629% | 3,938 |
| Noninterest expense to average assets | 1.9109% | 5,118 |
| Loan and lease loss provision to assets | 0.2729% | 598 |
| Net operating income to assets | 0.8961% | 3,047 |
| Return on assets (ROA) | 0.8961% | 3,099 |
| Pretax return on assets | 1.3435% | 2,312 |
| Return on Equity (ROE) | 8.1590% | 3,040 |
| Retained earnings to average equity (ytd only) | 7.2435% | 1,572 |
| Net charge-offs to loans | 0.3209% | 656 |
| Credit loss provision to net charge-offs | 100.7423% | 2,263 |
| Earnings coverage of net charge-offs (x) | 5.9661% | 3,042 |
| Efficiency ratio | 54.1745% | 4,927 |
| Assets per employee ($millions) | 9.9392% | 320 |
| Cash dividends to net income (ytd only)* | 11.2217% | 3,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1897% | 2,992 |
| Loan loss allowance to noncurrent loans | 493.9549% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.2046% | 4,265 |
| Noncurrent loans to loans | 0.2409% | 4,090 |
| Net loans and leases to total assets | 83.9264% | 439 |
| Net loans and leases to deposits | 97.5862% | 959 |
| Net loans and leases to core deposits | 171.8811% | 62 |
| Total domestic deposits to total assets | 86.0024% | 2,311 |
| Equity capital to assets | 11.5276% | 2,333 |
| Core capital (leverage) ratio | 11.4220% | 2,078 |
| Tier 1 risk-based capital ratio | 14.7673% | 3,028 |
| Total risk-based capital ratio | 16.0180% | 2,960 |
| Memoranda: | ||
| Average total assets | $464,064,000 | 1,504 |
| Average earning assets | $444,230,500 | 1,464 |
| Average equity | $50,968,750 | 1,517 |
| Average total loans | $391,804,250 | 1,263 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9962% | 3,212 |
| Cost of funding earning assets | 0.7007% | 889 |
| Net interest margin | 3.2955% | 4,123 |
| Noninterest income to average assets | 0.3728% | 3,891 |
| Noninterest expense to average assets | 1.9551% | 5,069 |
| Loan and lease loss provision to assets | 0.1958% | 946 |
| Net operating income to assets | 0.9175% | 2,820 |
| Return on assets (ROA) | 0.9175% | 2,871 |
| Pretax return on assets | 1.3752% | 2,119 |
| Return on Equity (ROE) | 8.4995% | 2,777 |
| Retained earnings to average equity (ytd only) | 7.6935% | 1,285 |
| Net charge-offs to loans | -0.0227% | 4,822 |
| Credit loss provision to net charge-offs | -1,022.7273% | 4,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4473% | 4,880 |
| Assets per employee ($millions) | 9.5706% | 341 |
| Cash dividends to net income (ytd only)* | 9.4832% | 3,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3104% | 2,362 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 83.5224% | 485 |
| Net loans and leases to deposits | 95.0207% | 1,175 |
| Net loans and leases to core deposits | 178.8521% | 57 |
| Total domestic deposits to total assets | 87.8992% | 1,507 |
| Equity capital to assets | 11.3232% | 2,477 |
| Core capital (leverage) ratio | 11.5804% | 1,916 |
| Tier 1 risk-based capital ratio | 14.4019% | 3,219 |
| Total risk-based capital ratio | 15.6539% | 3,146 |
| Memoranda: | ||
| Average total assets | $459,725,000 | 1,529 |
| Average earning assets | $439,871,000 | 1,485 |
| Average equity | $49,626,330 | 1,544 |
| Average total loans | $387,333,000 | 1,276 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9810% | 3,111 |
| Cost of funding earning assets | 0.6702% | 979 |
| Net interest margin | 3.3108% | 3,967 |
| Noninterest income to average assets | 0.3837% | 3,783 |
| Noninterest expense to average assets | 2.0314% | 4,975 |
| Loan and lease loss provision to assets | 0.0888% | 2,056 |
| Net operating income to assets | 0.9531% | 2,512 |
| Return on assets (ROA) | 0.9531% | 2,570 |
| Pretax return on assets | 1.4319% | 1,760 |
| Return on Equity (ROE) | 9.0650% | 2,385 |
| Retained earnings to average equity (ytd only) | 9.0650% | 1,056 |
| Net charge-offs to loans | -0.0391% | 5,061 |
| Credit loss provision to net charge-offs | -270.2703% | 4,098 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1893% | 4,815 |
| Assets per employee ($millions) | 9.2726% | 389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3054% | 2,514 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 82.3707% | 530 |
| Net loans and leases to deposits | 92.9845% | 1,227 |
| Net loans and leases to core deposits | 172.0591% | 56 |
| Total domestic deposits to total assets | 88.5854% | 1,383 |
| Equity capital to assets | 10.5699% | 3,105 |
| Core capital (leverage) ratio | 10.6623% | 2,725 |
| Tier 1 risk-based capital ratio | 13.5094% | 3,776 |
| Total risk-based capital ratio | 14.7612% | 3,686 |
| Memoranda: | ||
| Average total assets | $450,323,000 | 1,569 |
| Average earning assets | $430,947,000 | 1,520 |
| Average equity | $47,347,000 | 1,603 |
| Average total loans | $378,506,500 | 1,310 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1189% | 2,772 |
| Cost of funding earning assets | 0.6123% | 1,259 |
| Net interest margin | 3.5066% | 3,405 |
| Noninterest income to average assets | 0.4387% | 3,626 |
| Noninterest expense to average assets | 1.9753% | 5,238 |
| Loan and lease loss provision to assets | 0.1199% | 2,064 |
| Net operating income to assets | 1.1103% | 1,859 |
| Return on assets (ROA) | 1.1105% | 1,953 |
| Pretax return on assets | 1.6885% | 1,032 |
| Return on Equity (ROE) | 10.1932% | 1,880 |
| Retained earnings to average equity (ytd only) | 8.8722% | 612 |
| Net charge-offs to loans | 0.0121% | 3,865 |
| Credit loss provision to net charge-offs | 1,190.4762% | 335 |
| Earnings coverage of net charge-offs (x) | 179.5000% | 365 |
| Efficiency ratio | 52.2092% | 5,370 |
| Assets per employee ($millions) | 9.4955% | 358 |
| Cash dividends to net income (ytd only)* | 12.9590% | 3,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2739% | 2,686 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 83.5766% | 424 |
| Net loans and leases to deposits | 95.4916% | 1,047 |
| Net loans and leases to core deposits | 173.6617% | 56 |
| Total domestic deposits to total assets | 87.5225% | 1,862 |
| Equity capital to assets | 10.4571% | 3,203 |
| Core capital (leverage) ratio | 10.6291% | 2,744 |
| Tier 1 risk-based capital ratio | 13.3509% | 3,857 |
| Total risk-based capital ratio | 14.6023% | 3,768 |
| Memoranda: | ||
| Average total assets | $416,940,800 | 1,625 |
| Average earning assets | $397,701,600 | 1,578 |
| Average equity | $45,422,600 | 1,656 |
| Average total loans | $348,256,600 | 1,349 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1239% | 2,786 |
| Cost of funding earning assets | 0.5999% | 1,331 |
| Net interest margin | 3.5240% | 3,377 |
| Noninterest income to average assets | 0.4404% | 3,628 |
| Noninterest expense to average assets | 2.0146% | 5,172 |
| Loan and lease loss provision to assets | 0.0977% | 2,273 |
| Net operating income to assets | 1.1116% | 1,942 |
| Return on assets (ROA) | 1.1116% | 2,048 |
| Pretax return on assets | 1.6878% | 1,146 |
| Return on Equity (ROE) | 10.0934% | 2,015 |
| Retained earnings to average equity (ytd only) | 10.0934% | 557 |
| Net charge-offs to loans | -0.0117% | 4,827 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0152% | 5,312 |
| Assets per employee ($millions) | 8.9424% | 420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3155% | 2,597 |
| Loan loss allowance to noncurrent loans | 12,012.8205% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 5,491 |
| Noncurrent loans to loans | 0.0110% | 5,359 |
| Net loans and leases to total assets | 81.8763% | 640 |
| Net loans and leases to deposits | 92.8289% | 1,393 |
| Net loans and leases to core deposits | 161.8820% | 89 |
| Total domestic deposits to total assets | 88.2013% | 1,296 |
| Equity capital to assets | 10.9365% | 3,081 |
| Core capital (leverage) ratio | 11.0316% | 2,417 |
| Tier 1 risk-based capital ratio | 13.4567% | 3,887 |
| Total risk-based capital ratio | 14.7081% | 3,797 |
| Memoranda: | ||
| Average total assets | $409,603,500 | 1,652 |
| Average earning assets | $390,490,250 | 1,605 |
| Average equity | $45,111,000 | 1,671 |
| Average total loans | $340,869,000 | 1,369 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1481% | 2,682 |
| Cost of funding earning assets | 0.5953% | 1,351 |
| Net interest margin | 3.5528% | 3,285 |
| Noninterest income to average assets | 0.4203% | 3,737 |
| Noninterest expense to average assets | 2.0483% | 5,173 |
| Loan and lease loss provision to assets | 0.0992% | 2,177 |
| Net operating income to assets | 1.0921% | 1,985 |
| Return on assets (ROA) | 1.0921% | 2,112 |
| Pretax return on assets | 1.6573% | 1,202 |
| Return on Equity (ROE) | 9.8921% | 2,099 |
| Retained earnings to average equity (ytd only) | 9.8921% | 625 |
| Net charge-offs to loans | -0.0137% | 4,796 |
| Credit loss provision to net charge-offs | -869.5652% | 5,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8341% | 5,322 |
| Assets per employee ($millions) | 8.6488% | 449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3215% | 2,669 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 82.3458% | 593 |
| Net loans and leases to deposits | 93.5312% | 1,336 |
| Net loans and leases to core deposits | 163.5533% | 81 |
| Total domestic deposits to total assets | 88.0409% | 1,417 |
| Equity capital to assets | 11.0538% | 3,001 |
| Core capital (leverage) ratio | 10.9962% | 2,431 |
| Tier 1 risk-based capital ratio | 13.7061% | 3,768 |
| Total risk-based capital ratio | 14.9579% | 3,693 |
| Memoranda: | ||
| Average total assets | $403,060,000 | 1,676 |
| Average earning assets | $383,981,000 | 1,630 |
| Average equity | $44,500,330 | 1,689 |
| Average total loans | $335,783,330 | 1,391 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1652% | 2,605 |
| Cost of funding earning assets | 0.5897% | 1,409 |
| Net interest margin | 3.5755% | 3,185 |
| Noninterest income to average assets | 0.3728% | 4,055 |
| Noninterest expense to average assets | 2.0614% | 5,201 |
| Loan and lease loss provision to assets | 0.1008% | 2,012 |
| Net operating income to assets | 1.0609% | 2,048 |
| Return on assets (ROA) | 1.0609% | 2,158 |
| Pretax return on assets | 1.6130% | 1,263 |
| Return on Equity (ROE) | 9.6151% | 2,151 |
| Retained earnings to average equity (ytd only) | 9.6151% | 950 |
| Net charge-offs to loans | -0.0133% | 4,661 |
| Credit loss provision to net charge-offs | -909.0909% | 4,733 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6037% | 5,324 |
| Assets per employee ($millions) | 8.4087% | 490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3335% | 2,742 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 81.8707% | 573 |
| Net loans and leases to deposits | 92.9362% | 1,232 |
| Net loans and leases to core deposits | 156.8610% | 93 |
| Total domestic deposits to total assets | 88.0934% | 1,594 |
| Equity capital to assets | 11.0007% | 2,941 |
| Core capital (leverage) ratio | 11.0187% | 2,391 |
| Tier 1 risk-based capital ratio | 13.6507% | 3,901 |
| Total risk-based capital ratio | 14.9023% | 3,827 |
| Memoranda: | ||
| Average total assets | $397,019,500 | 1,701 |
| Average earning assets | $377,795,500 | 1,652 |
| Average equity | $43,806,000 | 1,704 |
| Average total loans | $330,460,500 | 1,401 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2797% | 2,281 |
| Cost of funding earning assets | 0.5547% | 1,722 |
| Net interest margin | 3.7250% | 2,657 |
| Noninterest income to average assets | 0.4106% | 3,947 |
| Noninterest expense to average assets | 2.1226% | 5,209 |
| Loan and lease loss provision to assets | 0.1087% | 2,178 |
| Net operating income to assets | 1.1104% | 1,877 |
| Return on assets (ROA) | 1.1113% | 1,941 |
| Pretax return on assets | 1.7110% | 969 |
| Return on Equity (ROE) | 9.8545% | 2,064 |
| Retained earnings to average equity (ytd only) | 8.0474% | 899 |
| Net charge-offs to loans | 0.0128% | 4,042 |
| Credit loss provision to net charge-offs | 1,025.6410% | 326 |
| Earnings coverage of net charge-offs (x) | 171.5897% | 381 |
| Efficiency ratio | 53.8610% | 5,529 |
| Assets per employee ($millions) | 8.3068% | 494 |
| Cash dividends to net income (ytd only)* | 18.3374% | 3,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3358% | 2,726 |
| Loan loss allowance to noncurrent loans | 3,540.6504% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 5,436 |
| Noncurrent loans to loans | 0.0377% | 5,369 |
| Net loans and leases to total assets | 82.3867% | 557 |
| Net loans and leases to deposits | 93.4036% | 1,263 |
| Net loans and leases to core deposits | 150.9969% | 108 |
| Total domestic deposits to total assets | 88.2050% | 1,534 |
| Equity capital to assets | 11.0678% | 2,754 |
| Core capital (leverage) ratio | 11.0418% | 2,361 |
| Tier 1 risk-based capital ratio | 13.7427% | 3,860 |
| Total risk-based capital ratio | 14.9945% | 3,791 |
| Memoranda: | ||
| Average total assets | $368,036,600 | 1,785 |
| Average earning assets | $348,808,800 | 1,739 |
| Average equity | $41,504,000 | 1,745 |
| Average total loans | $304,298,800 | 1,458 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3033% | 2,218 |
| Cost of funding earning assets | 0.5524% | 1,781 |
| Net interest margin | 3.7509% | 2,559 |
| Noninterest income to average assets | 0.4389% | 3,808 |
| Noninterest expense to average assets | 2.0913% | 5,292 |
| Loan and lease loss provision to assets | 0.0920% | 2,331 |
| Net operating income to assets | 1.1686% | 1,761 |
| Return on assets (ROA) | 1.1698% | 1,825 |
| Pretax return on assets | 1.8092% | 881 |
| Return on Equity (ROE) | 10.3217% | 1,962 |
| Retained earnings to average equity (ytd only) | 9.6726% | 699 |
| Net charge-offs to loans | -0.0018% | 4,690 |
| Credit loss provision to net charge-offs | -6,250.0000% | 5,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4060% | 5,621 |
| Assets per employee ($millions) | 8.5214% | 439 |
| Cash dividends to net income (ytd only)* | 6.2893% | 3,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3565% | 2,814 |
| Loan loss allowance to noncurrent loans | 1,311.1111% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.1366% | 5,206 |
| Noncurrent loans to loans | 0.1035% | 5,222 |
| Net loans and leases to total assets | 80.5585% | 739 |
| Net loans and leases to deposits | 91.4276% | 1,472 |
| Net loans and leases to core deposits | 148.7053% | 112 |
| Total domestic deposits to total assets | 88.1118% | 1,497 |
| Equity capital to assets | 11.1562% | 2,842 |
| Core capital (leverage) ratio | 11.2070% | 2,290 |
| Tier 1 risk-based capital ratio | 13.8835% | 3,912 |
| Total risk-based capital ratio | 15.1354% | 3,855 |
| Memoranda: | ||
| Average total assets | $362,440,500 | 1,816 |
| Average earning assets | $343,201,500 | 1,776 |
| Average equity | $41,077,250 | 1,773 |
| Average total loans | $298,871,000 | 1,484 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2721% | 2,277 |
| Cost of funding earning assets | 0.5501% | 1,811 |
| Net interest margin | 3.7220% | 2,618 |
| Noninterest income to average assets | 0.4468% | 3,730 |
| Noninterest expense to average assets | 2.1613% | 5,200 |
| Loan and lease loss provision to assets | 0.0563% | 2,977 |
| Net operating income to assets | 1.1282% | 1,842 |
| Return on assets (ROA) | 1.1282% | 1,925 |
| Pretax return on assets | 1.7472% | 985 |
| Return on Equity (ROE) | 9.8989% | 2,119 |
| Retained earnings to average equity (ytd only) | 8.9115% | 951 |
| Net charge-offs to loans | -0.0170% | 5,113 |
| Credit loss provision to net charge-offs | -400.0000% | 5,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5132% | 5,544 |
| Assets per employee ($millions) | 8.0896% | 508 |
| Cash dividends to net income (ytd only)* | 9.9751% | 3,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3394% | 3,033 |
| Loan loss allowance to noncurrent loans | 854.5643% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.1794% | 5,146 |
| Noncurrent loans to loans | 0.1567% | 5,124 |
| Net loans and leases to total assets | 79.8027% | 826 |
| Net loans and leases to deposits | 90.2267% | 1,571 |
| Net loans and leases to core deposits | 152.9898% | 96 |
| Total domestic deposits to total assets | 88.4469% | 1,426 |
| Equity capital to assets | 10.8822% | 3,012 |
| Core capital (leverage) ratio | 11.6760% | 1,858 |
| Tier 1 risk-based capital ratio | 13.5793% | 4,171 |
| Total risk-based capital ratio | 14.8307% | 4,101 |
| Memoranda: | ||
| Average total assets | $355,432,670 | 1,870 |
| Average earning assets | $335,949,000 | 1,833 |
| Average equity | $40,509,670 | 1,803 |
| Average total loans | $294,107,670 | 1,507 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3030% | 2,097 |
| Cost of funding earning assets | 0.5627% | 1,725 |
| Net interest margin | 3.7403% | 2,466 |
| Noninterest income to average assets | 0.4734% | 3,482 |
| Noninterest expense to average assets | 2.1956% | 5,162 |
| Loan and lease loss provision to assets | 0.1166% | 1,768 |
| Net operating income to assets | 1.1112% | 1,832 |
| Return on assets (ROA) | 1.1112% | 1,938 |
| Pretax return on assets | 1.7187% | 1,014 |
| Return on Equity (ROE) | 9.5117% | 2,214 |
| Retained earnings to average equity (ytd only) | 7.5155% | 1,757 |
| Net charge-offs to loans | 0.1030% | 1,702 |
| Credit loss provision to net charge-offs | 135.1351% | 1,341 |
| Earnings coverage of net charge-offs (x) | 21.2703% | 1,383 |
| Efficiency ratio | 54.4692% | 5,638 |
| Assets per employee ($millions) | 7.4534% | 690 |
| Cash dividends to net income (ytd only)* | 20.9864% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3804% | 3,018 |
| Loan loss allowance to noncurrent loans | 2,104.7120% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.1938% | 5,178 |
| Noncurrent loans to loans | 0.0656% | 5,510 |
| Net loans and leases to total assets | 81.9873% | 462 |
| Net loans and leases to deposits | 93.6733% | 1,020 |
| Net loans and leases to core deposits | 146.2368% | 115 |
| Total domestic deposits to total assets | 87.5247% | 2,094 |
| Equity capital to assets | 11.5644% | 2,407 |
| Core capital (leverage) ratio | 11.6655% | 1,876 |
| Tier 1 risk-based capital ratio | 13.9115% | 4,080 |
| Total risk-based capital ratio | 15.1631% | 4,006 |
| Memoranda: | ||
| Average total assets | $343,044,500 | 1,942 |
| Average earning assets | $326,283,000 | 1,890 |
| Average equity | $40,077,000 | 1,825 |
| Average total loans | $287,393,500 | 1,526 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4418% | 2,097 |
| Cost of funding earning assets | 0.6692% | 1,272 |
| Net interest margin | 3.7726% | 2,721 |
| Noninterest income to average assets | 0.4082% | 4,123 |
| Noninterest expense to average assets | 2.1076% | 5,557 |
| Loan and lease loss provision to assets | 0.0303% | 4,001 |
| Net operating income to assets | 1.1638% | 1,697 |
| Return on assets (ROA) | 1.1638% | 1,776 |
| Pretax return on assets | 1.8201% | 758 |
| Return on Equity (ROE) | 10.0678% | 2,090 |
| Retained earnings to average equity (ytd only) | 8.1045% | 987 |
| Net charge-offs to loans | 0.2359% | 1,792 |
| Credit loss provision to net charge-offs | 15.3139% | 4,033 |
| Earnings coverage of net charge-offs (x) | 9.3645% | 2,758 |
| Efficiency ratio | 53.2492% | 5,904 |
| Assets per employee ($millions) | 7.1443% | 783 |
| Cash dividends to net income (ytd only)* | 19.5008% | 3,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4085% | 2,910 |
| Loan loss allowance to noncurrent loans | 1,103.3149% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.1936% | 5,254 |
| Noncurrent loans to loans | 0.1277% | 5,387 |
| Net loans and leases to total assets | 83.2581% | 405 |
| Net loans and leases to deposits | 95.1273% | 977 |
| Net loans and leases to core deposits | 152.2763% | 107 |
| Total domestic deposits to total assets | 87.5228% | 2,021 |
| Equity capital to assets | 11.8062% | 2,164 |
| Core capital (leverage) ratio | 11.7930% | 1,769 |
| Tier 1 risk-based capital ratio | 14.2477% | 3,933 |
| Total risk-based capital ratio | 15.4978% | 3,861 |
| Memoranda: | ||
| Average total assets | $330,475,600 | 1,966 |
| Average earning assets | $310,954,200 | 1,927 |
| Average equity | $38,201,000 | 1,850 |
| Average total loans | $276,771,800 | 1,537 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4502% | 2,050 |
| Cost of funding earning assets | 0.7016% | 1,145 |
| Net interest margin | 3.7486% | 2,824 |
| Noninterest income to average assets | 0.3897% | 4,326 |
| Noninterest expense to average assets | 2.0553% | 5,669 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1844% | 1,736 |
| Return on assets (ROA) | 1.1844% | 1,808 |
| Pretax return on assets | 1.8556% | 791 |
| Return on Equity (ROE) | 10.3026% | 2,069 |
| Retained earnings to average equity (ytd only) | 9.5979% | 811 |
| Net charge-offs to loans | 0.2230% | 1,705 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 9.9587% | 2,597 |
| Efficiency ratio | 52.5531% | 5,955 |
| Assets per employee ($millions) | 7.0973% | 777 |
| Cash dividends to net income (ytd only)* | 6.8399% | 3,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4749% | 2,839 |
| Loan loss allowance to noncurrent loans | 1,647.9839% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.1883% | 5,461 |
| Noncurrent loans to loans | 0.0895% | 5,675 |
| Net loans and leases to total assets | 81.8480% | 528 |
| Net loans and leases to deposits | 93.7238% | 1,065 |
| Net loans and leases to core deposits | 149.9676% | 102 |
| Total domestic deposits to total assets | 87.3290% | 2,140 |
| Equity capital to assets | 11.7798% | 2,240 |
| Core capital (leverage) ratio | 11.8002% | 1,830 |
| Tier 1 risk-based capital ratio | 14.6296% | 3,799 |
| Total risk-based capital ratio | 15.8831% | 3,742 |
| Memoranda: | ||
| Average total assets | $329,149,500 | 1,981 |
| Average earning assets | $309,194,750 | 1,953 |
| Average equity | $37,840,500 | 1,868 |
| Average total loans | $275,075,250 | 1,554 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4556% | 1,974 |
| Cost of funding earning assets | 0.7639% | 862 |
| Net interest margin | 3.6917% | 2,996 |
| Noninterest income to average assets | 0.4388% | 3,958 |
| Noninterest expense to average assets | 2.0179% | 5,810 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2030% | 1,579 |
| Return on assets (ROA) | 1.2030% | 1,649 |
| Pretax return on assets | 1.8750% | 720 |
| Return on Equity (ROE) | 10.5525% | 1,917 |
| Retained earnings to average equity (ytd only) | 9.4817% | 841 |
| Net charge-offs to loans | 0.1793% | 1,960 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 12.4878% | 2,056 |
| Efficiency ratio | 51.8344% | 6,079 |
| Assets per employee ($millions) | 7.0240% | 794 |
| Cash dividends to net income (ytd only)* | 10.1471% | 3,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5338% | 2,745 |
| Loan loss allowance to noncurrent loans | 848.5207% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.2184% | 5,459 |
| Noncurrent loans to loans | 0.1808% | 5,468 |
| Net loans and leases to total assets | 83.6584% | 325 |
| Net loans and leases to deposits | 95.4520% | 845 |
| Net loans and leases to core deposits | 150.4177% | 99 |
| Total domestic deposits to total assets | 87.6445% | 2,116 |
| Equity capital to assets | 11.6046% | 2,322 |
| Core capital (leverage) ratio | 11.8397% | 1,761 |
| Tier 1 risk-based capital ratio | 14.1017% | 4,193 |
| Total risk-based capital ratio | 15.3561% | 4,123 |
| Memoranda: | ||
| Average total assets | $327,675,330 | 1,990 |
| Average earning assets | $306,577,330 | 1,969 |
| Average equity | $37,356,000 | 1,883 |
| Average total loans | $274,397,330 | 1,559 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4667% | 1,914 |
| Cost of funding earning assets | 0.8191% | 675 |
| Net interest margin | 3.6476% | 3,070 |
| Noninterest income to average assets | 0.4068% | 4,126 |
| Noninterest expense to average assets | 2.0046% | 5,873 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1408% | 1,663 |
| Return on assets (ROA) | 1.1408% | 1,729 |
| Pretax return on assets | 1.7963% | 801 |
| Return on Equity (ROE) | 10.0979% | 1,999 |
| Retained earnings to average equity (ytd only) | 10.0979% | 936 |
| Net charge-offs to loans | 0.0663% | 2,490 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 32.5778% | 997 |
| Efficiency ratio | 52.7402% | 6,095 |
| Assets per employee ($millions) | 7.1683% | 736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6598% | 2,474 |
| Loan loss allowance to noncurrent loans | 1,992.0354% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.2054% | 5,606 |
| Noncurrent loans to loans | 0.0833% | 5,888 |
| Net loans and leases to total assets | 79.1727% | 638 |
| Net loans and leases to deposits | 91.0512% | 1,035 |
| Net loans and leases to core deposits | 129.9575% | 188 |
| Total domestic deposits to total assets | 86.9540% | 2,838 |
| Equity capital to assets | 11.0873% | 2,638 |
| Core capital (leverage) ratio | 11.4807% | 1,976 |
| Tier 1 risk-based capital ratio | 14.2183% | 4,183 |
| Total risk-based capital ratio | 17.0026% | 3,269 |
| Memoranda: | ||
| Average total assets | $326,449,500 | 2,003 |
| Average earning assets | $303,760,000 | 1,991 |
| Average equity | $36,879,000 | 1,898 |
| Average total loans | $271,355,500 | 1,574 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7902% | 1,344 |
| Cost of funding earning assets | 1.2655% | 129 |
| Net interest margin | 3.5248% | 3,790 |
| Noninterest income to average assets | 0.5308% | 3,544 |
| Noninterest expense to average assets | 2.3105% | 5,349 |
| Loan and lease loss provision to assets | 0.1821% | 2,025 |
| Net operating income to assets | 0.8466% | 3,056 |
| Return on assets (ROA) | 0.8918% | 2,913 |
| Pretax return on assets | 1.4080% | 1,753 |
| Return on Equity (ROE) | 7.7359% | 3,177 |
| Retained earnings to average equity (ytd only) | 6.3253% | 1,791 |
| Net charge-offs to loans | 0.6281% | 1,042 |
| Credit loss provision to net charge-offs | 33.8983% | 4,165 |
| Earnings coverage of net charge-offs (x) | 2.8281% | 4,061 |
| Efficiency ratio | 60.3261% | 5,424 |
| Assets per employee ($millions) | 6.7232% | 888 |
| Cash dividends to net income (ytd only)* | 18.2349% | 3,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6750% | 2,483 |
| Loan loss allowance to noncurrent loans | 1,050.1155% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.2798% | 5,419 |
| Noncurrent loans to loans | 0.1595% | 5,716 |
| Net loans and leases to total assets | 84.4717% | 223 |
| Net loans and leases to deposits | 99.3498% | 512 |
| Net loans and leases to core deposits | 147.3589% | 106 |
| Total domestic deposits to total assets | 85.0246% | 3,739 |
| Equity capital to assets | 11.5206% | 2,149 |
| Core capital (leverage) ratio | 11.9797% | 1,622 |
| Tier 1 risk-based capital ratio | 13.6838% | 4,527 |
| Total risk-based capital ratio | 16.4481% | 3,495 |
| Memoranda: | ||
| Average total assets | $307,462,600 | 2,098 |
| Average earning assets | $287,793,000 | 2,060 |
| Average equity | $35,445,200 | 1,945 |
| Average total loans | $263,000,200 | 1,579 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8266% | 1,290 |
| Cost of funding earning assets | 1.3296% | 108 |
| Net interest margin | 3.4970% | 3,897 |
| Noninterest income to average assets | 0.5175% | 3,692 |
| Noninterest expense to average assets | 2.3825% | 5,073 |
| Loan and lease loss provision to assets | 0.2445% | 1,468 |
| Net operating income to assets | 0.7511% | 3,596 |
| Return on assets (ROA) | 0.8118% | 3,420 |
| Pretax return on assets | 1.2755% | 2,427 |
| Return on Equity (ROE) | 7.0404% | 3,626 |
| Retained earnings to average equity (ytd only) | 7.0404% | 1,851 |
| Net charge-offs to loans | 0.7114% | 839 |
| Credit loss provision to net charge-offs | 40.2299% | 3,702 |
| Earnings coverage of net charge-offs (x) | 2.3448% | 4,055 |
| Efficiency ratio | 62.5688% | 5,057 |
| Assets per employee ($millions) | 6.5059% | 934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8744% | 2,075 |
| Loan loss allowance to noncurrent loans | 400.9174% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.5164% | 4,894 |
| Noncurrent loans to loans | 0.4675% | 5,021 |
| Net loans and leases to total assets | 82.2972% | 347 |
| Net loans and leases to deposits | 95.6185% | 718 |
| Net loans and leases to core deposits | 144.1513% | 108 |
| Total domestic deposits to total assets | 86.0682% | 3,216 |
| Equity capital to assets | 11.7848% | 2,056 |
| Core capital (leverage) ratio | 11.7846% | 1,829 |
| Tier 1 risk-based capital ratio | 14.1209% | 4,342 |
| Total risk-based capital ratio | 16.9519% | 3,305 |
| Memoranda: | ||
| Average total assets | $305,330,500 | 2,118 |
| Average earning assets | $287,288,000 | 2,077 |
| Average equity | $35,205,500 | 1,974 |
| Average total loans | $260,882,750 | 1,597 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8704% | 1,174 |
| Cost of funding earning assets | 1.3544% | 108 |
| Net interest margin | 3.5160% | 3,717 |
| Noninterest income to average assets | 0.5400% | 3,570 |
| Noninterest expense to average assets | 2.4340% | 4,951 |
| Loan and lease loss provision to assets | 0.3670% | 897 |
| Net operating income to assets | 0.6717% | 3,950 |
| Return on assets (ROA) | 0.7641% | 3,652 |
| Pretax return on assets | 1.1836% | 2,748 |
| Return on Equity (ROE) | 6.6764% | 3,787 |
| Retained earnings to average equity (ytd only) | 6.6764% | 2,052 |
| Net charge-offs to loans | 0.7859% | 798 |
| Credit loss provision to net charge-offs | 54.3162% | 3,139 |
| Earnings coverage of net charge-offs (x) | 2.0844% | 3,826 |
| Efficiency ratio | 63.3464% | 4,953 |
| Assets per employee ($millions) | 6.3675% | 977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9631% | 1,938 |
| Loan loss allowance to noncurrent loans | 310.0180% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.7966% | 4,232 |
| Noncurrent loans to loans | 0.6332% | 4,672 |
| Net loans and leases to total assets | 86.2387% | 140 |
| Net loans and leases to deposits | 100.1910% | 416 |
| Net loans and leases to core deposits | 147.0760% | 104 |
| Total domestic deposits to total assets | 86.0743% | 3,320 |
| Equity capital to assets | 11.8006% | 2,047 |
| Core capital (leverage) ratio | 11.6454% | 1,836 |
| Tier 1 risk-based capital ratio | 13.3959% | 4,840 |
| Total risk-based capital ratio | 16.1765% | 3,793 |
| Memoranda: | ||
| Average total assets | $305,182,000 | 2,126 |
| Average earning assets | $286,629,000 | 2,088 |
| Average equity | $34,929,000 | 1,991 |
| Average total loans | $262,359,670 | 1,590 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8403% | 1,208 |
| Cost of funding earning assets | 1.3930% | 97 |
| Net interest margin | 3.4473% | 3,922 |
| Noninterest income to average assets | 0.5984% | 3,148 |
| Noninterest expense to average assets | 2.5833% | 4,455 |
| Loan and lease loss provision to assets | 0.0260% | 4,140 |
| Net operating income to assets | 0.7738% | 3,314 |
| Return on assets (ROA) | 0.9541% | 2,563 |
| Pretax return on assets | 1.4993% | 1,555 |
| Return on Equity (ROE) | 8.4640% | 2,738 |
| Retained earnings to average equity (ytd only) | 8.4640% | 1,575 |
| Net charge-offs to loans | 1.2523% | 457 |
| Credit loss provision to net charge-offs | 2.4390% | 3,221 |
| Earnings coverage of net charge-offs (x) | 1.1683% | 3,440 |
| Efficiency ratio | 67.5034% | 4,410 |
| Assets per employee ($millions) | 6.8297% | 832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8522% | 2,438 |
| Loan loss allowance to noncurrent loans | 283.8123% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 1.1203% | 3,699 |
| Noncurrent loans to loans | 0.6526% | 4,820 |
| Net loans and leases to total assets | 83.4312% | 216 |
| Net loans and leases to deposits | 96.3930% | 519 |
| Net loans and leases to core deposits | 135.9709% | 140 |
| Total domestic deposits to total assets | 86.5532% | 3,205 |
| Equity capital to assets | 11.3993% | 2,520 |
| Core capital (leverage) ratio | 11.1696% | 2,117 |
| Tier 1 risk-based capital ratio | 13.7009% | 4,721 |
| Total risk-based capital ratio | 16.5297% | 3,622 |
| Memoranda: | ||
| Average total assets | $308,136,500 | 2,133 |
| Average earning assets | $288,577,500 | 2,095 |
| Average equity | $34,735,500 | 2,030 |
| Average total loans | $261,911,000 | 1,600 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2662% | 990 |
| Cost of funding earning assets | 1.6794% | 75 |
| Net interest margin | 3.5868% | 4,146 |
| Noninterest income to average assets | 0.6181% | 3,182 |
| Noninterest expense to average assets | 2.3191% | 5,639 |
| Loan and lease loss provision to assets | 0.2714% | 2,477 |
| Net operating income to assets | 0.8901% | 2,864 |
| Return on assets (ROA) | 0.8901% | 3,104 |
| Pretax return on assets | 1.3832% | 2,098 |
| Return on Equity (ROE) | 8.5683% | 2,838 |
| Retained earnings to average equity (ytd only) | 7.8917% | 1,160 |
| Net charge-offs to loans | 0.5671% | 2,030 |
| Credit loss provision to net charge-offs | 55.8425% | 4,552 |
| Earnings coverage of net charge-offs (x) | 3.4048% | 3,741 |
| Efficiency ratio | 58.3610% | 5,780 |
| Assets per employee ($millions) | 6.8653% | 825 |
| Cash dividends to net income (ytd only)* | 7.8957% | 4,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1476% | 1,653 |
| Loan loss allowance to noncurrent loans | 605.6928% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.5198% | 5,180 |
| Noncurrent loans to loans | 0.3546% | 5,600 |
| Net loans and leases to total assets | 83.1658% | 260 |
| Net loans and leases to deposits | 95.6549% | 644 |
| Net loans and leases to core deposits | 143.4049% | 123 |
| Total domestic deposits to total assets | 86.9436% | 2,871 |
| Equity capital to assets | 11.1469% | 2,793 |
| Core capital (leverage) ratio | 11.0160% | 2,240 |
| Tier 1 risk-based capital ratio | 13.5226% | 4,736 |
| Total risk-based capital ratio | 16.3680% | 3,604 |
| Memoranda: | ||
| Average total assets | $318,743,800 | 2,013 |
| Average earning assets | $298,205,600 | 1,984 |
| Average equity | $33,110,600 | 2,081 |
| Average total loans | $273,154,200 | 1,521 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3080% | 998 |
| Cost of funding earning assets | 1.7310% | 77 |
| Net interest margin | 3.5770% | 4,332 |
| Noninterest income to average assets | 0.5318% | 3,731 |
| Noninterest expense to average assets | 2.2109% | 5,926 |
| Loan and lease loss provision to assets | 0.3134% | 2,105 |
| Net operating income to assets | 0.8742% | 3,113 |
| Return on assets (ROA) | 0.8742% | 3,358 |
| Pretax return on assets | 1.3545% | 2,398 |
| Return on Equity (ROE) | 8.5662% | 3,010 |
| Retained earnings to average equity (ytd only) | 8.5662% | 1,387 |
| Net charge-offs to loans | 0.6014% | 1,831 |
| Credit loss provision to net charge-offs | 60.6913% | 4,131 |
| Earnings coverage of net charge-offs (x) | 3.2299% | 3,737 |
| Efficiency ratio | 56.9991% | 5,917 |
| Assets per employee ($millions) | 6.6676% | 875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1692% | 1,769 |
| Loan loss allowance to noncurrent loans | 641.0989% | 620 |
| Noncurrent assets plus other real estate owned to assets | 1.3591% | 3,584 |
| Noncurrent loans to loans | 0.3384% | 5,798 |
| Net loans and leases to total assets | 83.9607% | 231 |
| Net loans and leases to deposits | 96.4112% | 635 |
| Net loans and leases to core deposits | 151.5552% | 107 |
| Total domestic deposits to total assets | 87.0861% | 2,611 |
| Equity capital to assets | 10.8085% | 3,492 |
| Core capital (leverage) ratio | 10.6775% | 2,726 |
| Tier 1 risk-based capital ratio | 13.0874% | 5,179 |
| Total risk-based capital ratio | 15.9086% | 4,043 |
| Memoranda: | ||
| Average total assets | $321,195,500 | 2,025 |
| Average earning assets | $300,545,750 | 1,982 |
| Average equity | $32,779,000 | 2,118 |
| Average total loans | $275,800,500 | 1,520 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3697% | 925 |
| Cost of funding earning assets | 1.7736% | 77 |
| Net interest margin | 3.5961% | 4,278 |
| Noninterest income to average assets | 0.5145% | 3,826 |
| Noninterest expense to average assets | 2.2118% | 5,965 |
| Loan and lease loss provision to assets | 0.2409% | 2,654 |
| Net operating income to assets | 0.9209% | 2,803 |
| Return on assets (ROA) | 0.9209% | 3,074 |
| Pretax return on assets | 1.4243% | 2,111 |
| Return on Equity (ROE) | 9.1994% | 2,716 |
| Retained earnings to average equity (ytd only) | 9.1994% | 1,209 |
| Net charge-offs to loans | 0.6336% | 1,733 |
| Credit loss provision to net charge-offs | 44.2679% | 4,162 |
| Earnings coverage of net charge-offs (x) | 3.0602% | 3,524 |
| Efficiency ratio | 57.0495% | 5,990 |
| Assets per employee ($millions) | 6.7764% | 827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0924% | 2,018 |
| Loan loss allowance to noncurrent loans | 550.1887% | 664 |
| Noncurrent assets plus other real estate owned to assets | 1.2999% | 3,825 |
| Noncurrent loans to loans | 0.3803% | 5,778 |
| Net loans and leases to total assets | 85.6806% | 153 |
| Net loans and leases to deposits | 97.7592% | 543 |
| Net loans and leases to core deposits | 156.3207% | 94 |
| Total domestic deposits to total assets | 87.6446% | 2,367 |
| Equity capital to assets | 10.4178% | 3,788 |
| Core capital (leverage) ratio | 10.5196% | 2,782 |
| Tier 1 risk-based capital ratio | 12.4559% | 5,599 |
| Total risk-based capital ratio | 15.2289% | 4,432 |
| Memoranda: | ||
| Average total assets | $323,802,330 | 2,001 |
| Average earning assets | $302,773,000 | 1,964 |
| Average equity | $32,415,000 | 2,127 |
| Average total loans | $278,085,330 | 1,511 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5828% | 649 |
| Cost of funding earning assets | 1.8535% | 69 |
| Net interest margin | 3.7293% | 3,699 |
| Noninterest income to average assets | 0.6102% | 3,159 |
| Noninterest expense to average assets | 2.1295% | 6,202 |
| Loan and lease loss provision to assets | 0.2941% | 2,123 |
| Net operating income to assets | 1.0586% | 2,258 |
| Return on assets (ROA) | 1.0586% | 2,449 |
| Pretax return on assets | 1.6725% | 1,371 |
| Return on Equity (ROE) | 10.7890% | 2,110 |
| Retained earnings to average equity (ytd only) | 10.7890% | 1,092 |
| Net charge-offs to loans | 0.4191% | 2,048 |
| Credit loss provision to net charge-offs | 82.4742% | 2,683 |
| Earnings coverage of net charge-offs (x) | 5.5155% | 2,353 |
| Efficiency ratio | 51.9892% | 6,542 |
| Assets per employee ($millions) | 6.6762% | 890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2758% | 1,721 |
| Loan loss allowance to noncurrent loans | 587.8163% | 598 |
| Noncurrent assets plus other real estate owned to assets | 1.6158% | 3,424 |
| Noncurrent loans to loans | 0.3872% | 5,902 |
| Net loans and leases to total assets | 82.3275% | 260 |
| Net loans and leases to deposits | 93.2584% | 713 |
| Net loans and leases to core deposits | 145.4246% | 125 |
| Total domestic deposits to total assets | 88.2788% | 2,144 |
| Equity capital to assets | 9.9372% | 4,207 |
| Core capital (leverage) ratio | 9.7978% | 3,646 |
| Tier 1 risk-based capital ratio | 12.2190% | 5,810 |
| Total risk-based capital ratio | 14.9938% | 4,635 |
| Memoranda: | ||
| Average total assets | $326,457,500 | 1,994 |
| Average earning assets | $305,150,000 | 1,951 |
| Average equity | $32,032,500 | 2,152 |
| Average total loans | $277,769,000 | 1,522 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4769% | 1,217 |
| Cost of funding earning assets | 2.0218% | 88 |
| Net interest margin | 3.4551% | 5,304 |
| Noninterest income to average assets | 0.5034% | 3,822 |
| Noninterest expense to average assets | 1.9923% | 6,688 |
| Loan and lease loss provision to assets | 1.0635% | 864 |
| Net operating income to assets | 0.4539% | 4,621 |
| Return on assets (ROA) | 0.4599% | 4,801 |
| Pretax return on assets | 0.6956% | 4,337 |
| Return on Equity (ROE) | 4.9568% | 4,411 |
| Retained earnings to average equity (ytd only) | 4.5940% | 2,908 |
| Net charge-offs to loans | 1.4440% | 1,125 |
| Credit loss provision to net charge-offs | 83.7635% | 4,285 |
| Earnings coverage of net charge-offs (x) | 1.3782% | 4,739 |
| Efficiency ratio | 53.2399% | 6,582 |
| Assets per employee ($millions) | 6.6486% | 881 |
| Cash dividends to net income (ytd only)* | 7.3187% | 3,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2587% | 1,693 |
| Loan loss allowance to noncurrent loans | 242.4463% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 1.9176% | 3,083 |
| Noncurrent loans to loans | 0.9316% | 4,835 |
| Net loans and leases to total assets | 83.9895% | 208 |
| Net loans and leases to deposits | 94.6727% | 763 |
| Net loans and leases to core deposits | 154.5209% | 120 |
| Total domestic deposits to total assets | 88.7157% | 1,705 |
| Equity capital to assets | 9.6866% | 4,619 |
| Core capital (leverage) ratio | 9.4937% | 4,030 |
| Tier 1 risk-based capital ratio | 11.8249% | 5,948 |
| Total risk-based capital ratio | 14.5914% | 4,786 |
| Memoranda: | ||
| Average total assets | $335,691,400 | 1,927 |
| Average earning assets | $314,665,200 | 1,875 |
| Average equity | $31,149,400 | 2,124 |
| Average total loans | $295,160,800 | 1,439 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4908% | 1,271 |
| Cost of funding earning assets | 2.0528% | 98 |
| Net interest margin | 3.4381% | 5,433 |
| Noninterest income to average assets | 0.4857% | 3,991 |
| Noninterest expense to average assets | 1.9181% | 6,829 |
| Loan and lease loss provision to assets | 0.7925% | 1,179 |
| Net operating income to assets | 0.6680% | 3,782 |
| Return on assets (ROA) | 0.6762% | 3,911 |
| Pretax return on assets | 1.0125% | 3,358 |
| Return on Equity (ROE) | 7.3649% | 3,353 |
| Retained earnings to average equity (ytd only) | 7.3649% | 1,788 |
| Net charge-offs to loans | 1.1332% | 1,395 |
| Credit loss provision to net charge-offs | 79.1027% | 4,162 |
| Earnings coverage of net charge-offs (x) | 1.7895% | 4,318 |
| Efficiency ratio | 51.6893% | 6,708 |
| Assets per employee ($millions) | 6.7153% | 846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2320% | 1,807 |
| Loan loss allowance to noncurrent loans | 939.7101% | 389 |
| Noncurrent assets plus other real estate owned to assets | 1.1551% | 4,477 |
| Noncurrent loans to loans | 0.2375% | 6,398 |
| Net loans and leases to total assets | 86.3146% | 124 |
| Net loans and leases to deposits | 97.5481% | 604 |
| Net loans and leases to core deposits | 161.4038% | 111 |
| Total domestic deposits to total assets | 88.4842% | 1,769 |
| Equity capital to assets | 9.6797% | 4,805 |
| Core capital (leverage) ratio | 9.5682% | 4,042 |
| Tier 1 risk-based capital ratio | 11.4429% | 6,278 |
| Total risk-based capital ratio | 14.1469% | 5,152 |
| Memoranda: | ||
| Average total assets | $338,169,250 | 1,920 |
| Average earning assets | $317,223,750 | 1,864 |
| Average equity | $31,047,500 | 2,135 |
| Average total loans | $298,965,000 | 1,433 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4870% | 1,327 |
| Cost of funding earning assets | 2.0815% | 109 |
| Net interest margin | 3.4055% | 5,536 |
| Noninterest income to average assets | 0.4549% | 4,248 |
| Noninterest expense to average assets | 1.9249% | 6,914 |
| Loan and lease loss provision to assets | 0.8148% | 1,126 |
| Net operating income to assets | 0.5920% | 4,097 |
| Return on assets (ROA) | 0.5920% | 4,232 |
| Pretax return on assets | 0.9115% | 3,575 |
| Return on Equity (ROE) | 6.5628% | 3,669 |
| Retained earnings to average equity (ytd only) | 6.5628% | 2,103 |
| Net charge-offs to loans | 0.9205% | 1,689 |
| Credit loss provision to net charge-offs | 100.0720% | 3,109 |
| Earnings coverage of net charge-offs (x) | 2.1202% | 3,783 |
| Efficiency ratio | 52.7211% | 6,742 |
| Assets per employee ($millions) | 7.3602% | 611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3630% | 1,648 |
| Loan loss allowance to noncurrent loans | 1,074.4257% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.2635% | 6,471 |
| Noncurrent loans to loans | 0.2199% | 6,464 |
| Net loans and leases to total assets | 85.6222% | 154 |
| Net loans and leases to deposits | 96.3186% | 700 |
| Net loans and leases to core deposits | 162.9911% | 115 |
| Total domestic deposits to total assets | 88.8948% | 1,601 |
| Equity capital to assets | 9.2492% | 5,203 |
| Core capital (leverage) ratio | 9.1670% | 4,464 |
| Tier 1 risk-based capital ratio | 11.0151% | 6,519 |
| Total risk-based capital ratio | 13.6987% | 5,376 |
| Memoranda: | ||
| Average total assets | $341,208,670 | 1,914 |
| Average earning assets | $320,245,000 | 1,863 |
| Average equity | $30,779,670 | 2,136 |
| Average total loans | $301,785,670 | 1,433 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4858% | 1,336 |
| Cost of funding earning assets | 2.1059% | 124 |
| Net interest margin | 3.3799% | 5,504 |
| Noninterest income to average assets | 0.4543% | 4,242 |
| Noninterest expense to average assets | 2.0284% | 6,783 |
| Loan and lease loss provision to assets | 0.5605% | 1,539 |
| Net operating income to assets | 0.6680% | 3,672 |
| Return on assets (ROA) | 0.6680% | 3,743 |
| Pretax return on assets | 1.0347% | 3,006 |
| Return on Equity (ROE) | 7.4987% | 3,148 |
| Retained earnings to average equity (ytd only) | 7.4987% | 1,940 |
| Net charge-offs to loans | 0.5904% | 2,018 |
| Credit loss provision to net charge-offs | 106.9042% | 2,498 |
| Earnings coverage of net charge-offs (x) | 3.0423% | 2,867 |
| Efficiency ratio | 55.9781% | 6,512 |
| Assets per employee ($millions) | 7.4894% | 590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3411% | 1,699 |
| Loan loss allowance to noncurrent loans | 322.9148% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.8418% | 5,219 |
| Noncurrent loans to loans | 0.7250% | 5,558 |
| Net loans and leases to total assets | 85.3146% | 166 |
| Net loans and leases to deposits | 95.6074% | 719 |
| Net loans and leases to core deposits | 160.4533% | 128 |
| Total domestic deposits to total assets | 89.2344% | 1,630 |
| Equity capital to assets | 8.9465% | 5,290 |
| Core capital (leverage) ratio | 8.8479% | 4,858 |
| Tier 1 risk-based capital ratio | 10.7257% | 6,676 |
| Total risk-based capital ratio | 13.3888% | 5,557 |
| Memoranda: | ||
| Average total assets | $342,528,000 | 1,919 |
| Average earning assets | $321,190,000 | 1,870 |
| Average equity | $30,512,000 | 2,147 |
| Average total loans | $304,225,000 | 1,436 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6883% | 1,613 |
| Cost of funding earning assets | 2.3687% | 172 |
| Net interest margin | 3.3196% | 5,913 |
| Noninterest income to average assets | 0.7644% | 2,461 |
| Noninterest expense to average assets | 2.1478% | 6,737 |
| Loan and lease loss provision to assets | 0.9602% | 1,691 |
| Net operating income to assets | 0.4984% | 4,103 |
| Return on assets (ROA) | 0.6274% | 3,713 |
| Pretax return on assets | 0.9664% | 3,042 |
| Return on Equity (ROE) | 7.4913% | 2,899 |
| Retained earnings to average equity (ytd only) | 6.9833% | 1,335 |
| Net charge-offs to loans | 0.3842% | 4,115 |
| Credit loss provision to net charge-offs | 279.7521% | 970 |
| Earnings coverage of net charge-offs (x) | 5.0347% | 2,728 |
| Efficiency ratio | 55.4157% | 6,666 |
| Assets per employee ($millions) | 7.4031% | 618 |
| Cash dividends to net income (ytd only)* | 6.7812% | 3,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2814% | 1,723 |
| Loan loss allowance to noncurrent loans | 532.2458% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.6184% | 5,776 |
| Noncurrent loans to loans | 0.4286% | 6,190 |
| Net loans and leases to total assets | 88.2323% | 95 |
| Net loans and leases to deposits | 100.6027% | 543 |
| Net loans and leases to core deposits | 178.4883% | 115 |
| Total domestic deposits to total assets | 87.7038% | 2,415 |
| Equity capital to assets | 8.8688% | 5,326 |
| Core capital (leverage) ratio | 8.7907% | 4,874 |
| Tier 1 risk-based capital ratio | 10.2897% | 6,827 |
| Total risk-based capital ratio | 12.9209% | 5,756 |
| Memoranda: | ||
| Average total assets | $352,543,400 | 1,855 |
| Average earning assets | $330,435,000 | 1,805 |
| Average equity | $29,527,600 | 2,208 |
| Average total loans | $314,934,800 | 1,423 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6833% | 1,766 |
| Cost of funding earning assets | 2.4107% | 193 |
| Net interest margin | 3.2725% | 6,104 |
| Noninterest income to average assets | 0.7365% | 2,599 |
| Noninterest expense to average assets | 2.0554% | 6,945 |
| Loan and lease loss provision to assets | 1.0650% | 1,381 |
| Net operating income to assets | 0.4594% | 4,494 |
| Return on assets (ROA) | 0.6353% | 3,893 |
| Pretax return on assets | 0.9473% | 3,378 |
| Return on Equity (ROE) | 7.6931% | 3,026 |
| Retained earnings to average equity (ytd only) | 7.6931% | 1,519 |
| Net charge-offs to loans | 0.4091% | 3,656 |
| Credit loss provision to net charge-offs | 292.1811% | 1,097 |
| Earnings coverage of net charge-offs (x) | 4.8004% | 2,924 |
| Efficiency ratio | 54.0160% | 6,785 |
| Assets per employee ($millions) | 7.7114% | 564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1667% | 1,863 |
| Loan loss allowance to noncurrent loans | 654.3415% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.6043% | 5,924 |
| Noncurrent loans to loans | 0.3311% | 6,529 |
| Net loans and leases to total assets | 87.2703% | 131 |
| Net loans and leases to deposits | 97.7947% | 810 |
| Net loans and leases to core deposits | 172.0414% | 119 |
| Total domestic deposits to total assets | 89.2382% | 1,261 |
| Equity capital to assets | 8.6408% | 6,116 |
| Core capital (leverage) ratio | 8.4105% | 5,680 |
| Tier 1 risk-based capital ratio | 10.1044% | 7,011 |
| Total risk-based capital ratio | 12.7259% | 5,940 |
| Memoranda: | ||
| Average total assets | $355,543,500 | 1,861 |
| Average earning assets | $333,392,500 | 1,816 |
| Average equity | $29,359,000 | 2,248 |
| Average total loans | $316,797,500 | 1,431 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6710% | 1,870 |
| Cost of funding earning assets | 2.4207% | 223 |
| Net interest margin | 3.2503% | 6,170 |
| Noninterest income to average assets | 0.8075% | 2,081 |
| Noninterest expense to average assets | 2.0191% | 7,074 |
| Loan and lease loss provision to assets | 1.4175% | 941 |
| Net operating income to assets | 0.2813% | 5,258 |
| Return on assets (ROA) | 0.5469% | 4,246 |
| Pretax return on assets | 0.8075% | 3,853 |
| Return on Equity (ROE) | 6.7238% | 3,432 |
| Retained earnings to average equity (ytd only) | 6.7238% | 1,959 |
| Net charge-offs to loans | 0.5476% | 2,888 |
| Credit loss provision to net charge-offs | 290.6178% | 1,280 |
| Earnings coverage of net charge-offs (x) | 3.7609% | 3,187 |
| Efficiency ratio | 52.3968% | 7,032 |
| Assets per employee ($millions) | 7.7548% | 555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0584% | 2,054 |
| Loan loss allowance to noncurrent loans | 709.4875% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.7112% | 5,711 |
| Noncurrent loans to loans | 0.2901% | 6,652 |
| Net loans and leases to total assets | 86.7812% | 176 |
| Net loans and leases to deposits | 96.6798% | 989 |
| Net loans and leases to core deposits | 183.9834% | 112 |
| Total domestic deposits to total assets | 89.7614% | 1,041 |
| Equity capital to assets | 8.1980% | 6,546 |
| Core capital (leverage) ratio | 8.1722% | 5,994 |
| Tier 1 risk-based capital ratio | 9.6220% | 7,212 |
| Total risk-based capital ratio | 12.2088% | 6,274 |
| Memoranda: | ||
| Average total assets | $358,386,330 | 1,867 |
| Average earning assets | $335,848,000 | 1,820 |
| Average equity | $29,150,330 | 2,250 |
| Average total loans | $319,214,000 | 1,431 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7039% | 1,762 |
| Cost of funding earning assets | 2.4357% | 269 |
| Net interest margin | 3.2682% | 6,073 |
| Noninterest income to average assets | 1.2048% | 833 |
| Noninterest expense to average assets | 2.2393% | 6,585 |
| Loan and lease loss provision to assets | 0.0668% | 5,967 |
| Net operating income to assets | 1.2728% | 1,353 |
| Return on assets (ROA) | 1.7794% | 569 |
| Pretax return on assets | 2.7426% | 173 |
| Return on Equity (ROE) | 21.9630% | 272 |
| Retained earnings to average equity (ytd only) | 21.9630% | 151 |
| Net charge-offs to loans | 0.4851% | 2,607 |
| Credit loss provision to net charge-offs | 15.4242% | 4,989 |
| Earnings coverage of net charge-offs (x) | 4.6864% | 2,569 |
| Efficiency ratio | 52.4517% | 7,107 |
| Assets per employee ($millions) | 7.9989% | 519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4156% | 4,343 |
| Loan loss allowance to noncurrent loans | 404.5740% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.9779% | 5,192 |
| Noncurrent loans to loans | 0.3499% | 6,600 |
| Net loans and leases to total assets | 87.2744% | 153 |
| Net loans and leases to deposits | 97.5200% | 953 |
| Net loans and leases to core deposits | 185.4397% | 118 |
| Total domestic deposits to total assets | 89.4939% | 1,249 |
| Equity capital to assets | 8.2819% | 6,326 |
| Core capital (leverage) ratio | 8.1433% | 6,002 |
| Tier 1 risk-based capital ratio | 9.6320% | 7,237 |
| Total risk-based capital ratio | 12.1841% | 6,197 |
| Memoranda: | ||
| Average total assets | $359,220,000 | 1,907 |
| Average earning assets | $336,819,500 | 1,859 |
| Average equity | $29,103,500 | 2,281 |
| Average total loans | $320,785,500 | 1,472 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9874% | 1,919 |
| Cost of funding earning assets | 2.8967% | 311 |
| Net interest margin | 3.0906% | 6,397 |
| Noninterest income to average assets | 0.5049% | 4,372 |
| Noninterest expense to average assets | 1.6747% | 7,717 |
| Loan and lease loss provision to assets | 0.7859% | 2,774 |
| Net operating income to assets | 0.6825% | 3,006 |
| Return on assets (ROA) | 0.7096% | 2,959 |
| Pretax return on assets | 1.0248% | 2,509 |
| Return on Equity (ROE) | 9.1666% | 1,971 |
| Retained earnings to average equity (ytd only) | 7.8828% | 732 |
| Net charge-offs to loans | 0.2509% | 5,052 |
| Credit loss provision to net charge-offs | 352.9412% | 915 |
| Earnings coverage of net charge-offs (x) | 7.9552% | 2,030 |
| Efficiency ratio | 48.5953% | 7,601 |
| Assets per employee ($millions) | 7.9664% | 523 |
| Cash dividends to net income (ytd only)* | 14.0048% | 3,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4989% | 3,738 |
| Loan loss allowance to noncurrent loans | 150.4040% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 1.1038% | 4,881 |
| Noncurrent loans to loans | 0.9966% | 5,323 |
| Net loans and leases to total assets | 88.7265% | 140 |
| Net loans and leases to deposits | 99.7957% | 923 |
| Net loans and leases to core deposits | 111.1882% | 2,776 |
| Total domestic deposits to total assets | 88.9081% | 1,521 |
| Equity capital to assets | 7.9210% | 6,651 |
| Core capital (leverage) ratio | 7.7733% | 6,480 |
| Tier 1 risk-based capital ratio | 9.1011% | 7,427 |
| Total risk-based capital ratio | 11.6529% | 6,463 |
| Memoranda: | ||
| Average total assets | $351,176,000 | 1,935 |
| Average earning assets | $334,204,600 | 1,858 |
| Average equity | $27,185,800 | 2,428 |
| Average total loans | $311,633,000 | 1,536 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0236% | 1,942 |
| Cost of funding earning assets | 2.9756% | 355 |
| Net interest margin | 3.0479% | 6,468 |
| Noninterest income to average assets | 0.5774% | 3,872 |
| Noninterest expense to average assets | 1.6197% | 7,814 |
| Loan and lease loss provision to assets | 0.9503% | 2,027 |
| Net operating income to assets | 0.6173% | 3,543 |
| Return on assets (ROA) | 0.6526% | 3,458 |
| Pretax return on assets | 0.9713% | 2,988 |
| Return on Equity (ROE) | 8.4809% | 2,460 |
| Retained earnings to average equity (ytd only) | 6.7500% | 1,607 |
| Net charge-offs to loans | 0.2785% | 4,294 |
| Credit loss provision to net charge-offs | 386.0465% | 1,046 |
| Earnings coverage of net charge-offs (x) | 7.5922% | 2,383 |
| Efficiency ratio | 46.4282% | 7,754 |
| Assets per employee ($millions) | 7.9932% | 516 |
| Cash dividends to net income (ytd only)* | 20.4093% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4358% | 3,759 |
| Loan loss allowance to noncurrent loans | 286.1398% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.5577% | 6,064 |
| Noncurrent loans to loans | 0.5018% | 6,303 |
| Net loans and leases to total assets | 89.8349% | 125 |
| Net loans and leases to deposits | 101.0403% | 1,008 |
| Net loans and leases to core deposits | 108.2683% | 3,436 |
| Total domestic deposits to total assets | 88.9100% | 1,237 |
| Equity capital to assets | 7.6946% | 7,154 |
| Core capital (leverage) ratio | 7.4468% | 7,037 |
| Tier 1 risk-based capital ratio | 8.7584% | 7,692 |
| Total risk-based capital ratio | 11.2964% | 6,883 |
| Memoranda: | ||
| Average total assets | $349,348,000 | 1,961 |
| Average earning assets | $333,681,000 | 1,880 |
| Average equity | $26,883,250 | 2,479 |
| Average total loans | $308,812,750 | 1,574 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9998% | 2,178 |
| Cost of funding earning assets | 2.9945% | 484 |
| Net interest margin | 3.0054% | 6,537 |
| Noninterest income to average assets | 0.6256% | 3,495 |
| Noninterest expense to average assets | 1.6328% | 7,893 |
| Loan and lease loss provision to assets | 0.9251% | 1,824 |
| Net operating income to assets | 0.6366% | 3,525 |
| Return on assets (ROA) | 0.6366% | 3,632 |
| Pretax return on assets | 0.9373% | 3,216 |
| Return on Equity (ROE) | 8.2724% | 2,662 |
| Retained earnings to average equity (ytd only) | 6.7697% | 1,675 |
| Net charge-offs to loans | 0.3511% | 3,431 |
| Credit loss provision to net charge-offs | 301.3183% | 1,539 |
| Earnings coverage of net charge-offs (x) | 6.0659% | 2,692 |
| Efficiency ratio | 46.7163% | 7,823 |
| Assets per employee ($millions) | 8.7381% | 381 |
| Cash dividends to net income (ytd only)* | 18.1653% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 4,980 |
| Loan loss allowance to noncurrent loans | 259.1299% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.4967% | 6,197 |
| Noncurrent loans to loans | 0.4612% | 6,374 |
| Net loans and leases to total assets | 88.5537% | 211 |
| Net loans and leases to deposits | 100.9019% | 1,181 |
| Net loans and leases to core deposits | 107.5512% | 3,658 |
| Total domestic deposits to total assets | 87.7622% | 1,896 |
| Equity capital to assets | 7.4133% | 7,341 |
| Core capital (leverage) ratio | 7.3087% | 7,232 |
| Tier 1 risk-based capital ratio | 8.3462% | 7,871 |
| Total risk-based capital ratio | 10.8152% | 7,292 |
| Memoranda: | ||
| Average total assets | $345,900,000 | 2,001 |
| Average earning assets | $330,276,000 | 1,912 |
| Average equity | $26,618,670 | 2,510 |
| Average total loans | $302,471,670 | 1,638 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9710% | 2,477 |
| Cost of funding earning assets | 3.0343% | 555 |
| Net interest margin | 2.9367% | 6,649 |
| Noninterest income to average assets | 0.5964% | 3,574 |
| Noninterest expense to average assets | 1.6544% | 7,862 |
| Loan and lease loss provision to assets | 0.5964% | 2,108 |
| Net operating income to assets | 0.7753% | 3,234 |
| Return on assets (ROA) | 0.7753% | 3,405 |
| Pretax return on assets | 1.1475% | 2,811 |
| Return on Equity (ROE) | 9.8767% | 2,371 |
| Retained earnings to average equity (ytd only) | 9.8767% | 1,225 |
| Net charge-offs to loans | 0.1659% | 3,638 |
| Credit loss provision to net charge-offs | 416.6667% | 1,264 |
| Earnings coverage of net charge-offs (x) | 12.1833% | 1,822 |
| Efficiency ratio | 48.6837% | 7,688 |
| Assets per employee ($millions) | 8.6541% | 398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0565% | 5,771 |
| Loan loss allowance to noncurrent loans | 179.5127% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.4969% | 5,976 |
| Noncurrent loans to loans | 0.5885% | 5,923 |
| Net loans and leases to total assets | 83.5335% | 761 |
| Net loans and leases to deposits | 94.0816% | 2,257 |
| Net loans and leases to core deposits | 98.5133% | 4,694 |
| Total domestic deposits to total assets | 88.7884% | 1,343 |
| Equity capital to assets | 7.3414% | 7,462 |
| Core capital (leverage) ratio | 7.7948% | 6,754 |
| Tier 1 risk-based capital ratio | 8.6444% | 7,916 |
| Total risk-based capital ratio | 9.7125% | 7,987 |
| Memoranda: | ||
| Average total assets | $335,349,000 | 2,077 |
| Average earning assets | $319,946,500 | 1,987 |
| Average equity | $26,324,500 | 2,540 |
| Average total loans | $289,245,000 | 1,716 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4904% | 3,010 |
| Cost of funding earning assets | 3.2524% | 1,040 |
| Net interest margin | 3.2380% | 6,249 |
| Noninterest income to average assets | 0.5603% | 4,161 |
| Noninterest expense to average assets | 2.1571% | 7,098 |
| Loan and lease loss provision to assets | 0.1741% | 5,160 |
| Net operating income to assets | 0.8400% | 3,267 |
| Return on assets (ROA) | 0.8400% | 3,100 |
| Pretax return on assets | 1.2761% | 2,389 |
| Return on Equity (ROE) | 9.4394% | 2,460 |
| Retained earnings to average equity (ytd only) | 5.0914% | 1,970 |
| Net charge-offs to loans | 0.2688% | 3,610 |
| Credit loss provision to net charge-offs | 76.0135% | 5,976 |
| Earnings coverage of net charge-offs (x) | 6.3311% | 3,380 |
| Efficiency ratio | 59.7447% | 6,394 |
| Assets per employee ($millions) | 7.3149% | 617 |
| Cash dividends to net income (ytd only)* | 46.0617% | 3,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0536% | 5,594 |
| Loan loss allowance to noncurrent loans | 185.6031% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.5019% | 5,686 |
| Noncurrent loans to loans | 0.5677% | 5,665 |
| Net loans and leases to total assets | 87.4812% | 416 |
| Net loans and leases to deposits | 101.4583% | 1,654 |
| Net loans and leases to core deposits | 105.7580% | 4,218 |
| Total domestic deposits to total assets | 86.2239% | 2,302 |
| Equity capital to assets | 8.4514% | 6,171 |
| Core capital (leverage) ratio | 8.8995% | 4,891 |
| Tier 1 risk-based capital ratio | 9.5744% | 7,227 |
| Total risk-based capital ratio | 10.6453% | 7,340 |
| Memoranda: | ||
| Average total assets | $258,450,600 | 2,476 |
| Average earning assets | $243,205,600 | 2,424 |
| Average equity | $22,999,400 | 2,848 |
| Average total loans | $220,270,200 | 2,125 |