Home > Exchange Bank > Performance and Condition Ratios
Exchange 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 | 4.4129% | 3,254 |
| Cost of funding earning assets | 0.7865% | 3,777 |
| Net interest margin | 3.6265% | 1,911 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 2.5453% | 2,169 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.1080% | 1,900 |
| Return on assets (ROA) | 1.1080% | 1,870 |
| Pretax return on assets | 1.3949% | 1,649 |
| Return on Equity (ROE) | 11.4500% | 2,108 |
| Retained earnings to average equity (ytd only) | 8.0610% | 1,517 |
| Net charge-offs to loans | 0.0312% | 1,671 |
| Credit loss provision to net charge-offs | 109.3750% | 1,761 |
| Earnings coverage of net charge-offs (x) | 83.0156% | 1,002 |
| Efficiency ratio | 63.9405% | 2,615 |
| Assets per employee ($millions) | 5.6627% | 3,106 |
| Cash dividends to net income (ytd only)* | 29.6025% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8695% | 470 |
| Loan loss allowance to noncurrent loans | 372.6934% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.2871% | 1,798 |
| Noncurrent loans to loans | 0.5016% | 1,531 |
| Net loans and leases to total assets | 56.1700% | 3,179 |
| Net loans and leases to deposits | 66.5545% | 3,135 |
| Net loans and leases to core deposits | 70.1966% | 3,297 |
| Total domestic deposits to total assets | 84.3900% | 2,505 |
| Equity capital to assets | 10.1093% | 1,943 |
| Core capital (leverage) ratio | 11.9522% | 1,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $370,130,800 | 2,116 |
| Average earning assets | $352,215,600 | 2,081 |
| Average equity | $35,814,200 | 2,021 |
| Average total loans | $204,922,000 | 2,252 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2849% | 3,322 |
| Cost of funding earning assets | 0.6943% | 3,776 |
| Net interest margin | 3.5906% | 2,030 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.4916% | 2,258 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.0674% | 2,158 |
| Return on assets (ROA) | 1.0674% | 2,146 |
| Pretax return on assets | 1.3657% | 1,856 |
| Return on Equity (ROE) | 11.1600% | 2,333 |
| Retained earnings to average equity (ytd only) | 7.6852% | 2,080 |
| Net charge-offs to loans | 0.0303% | 1,473 |
| Credit loss provision to net charge-offs | 152.1739% | 1,315 |
| Earnings coverage of net charge-offs (x) | 85.4783% | 1,008 |
| Efficiency ratio | 63.7001% | 2,531 |
| Assets per employee ($millions) | 5.6192% | 3,089 |
| Cash dividends to net income (ytd only)* | 31.1231% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9758% | 406 |
| Loan loss allowance to noncurrent loans | 898.6577% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.1205% | 2,761 |
| Noncurrent loans to loans | 0.2199% | 2,473 |
| Net loans and leases to total assets | 53.7400% | 3,381 |
| Net loans and leases to deposits | 61.9871% | 3,402 |
| Net loans and leases to core deposits | 65.1731% | 3,473 |
| Total domestic deposits to total assets | 86.6900% | 1,984 |
| Equity capital to assets | 9.8973% | 1,882 |
| Core capital (leverage) ratio | 11.6958% | 1,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $369,229,500 | 2,126 |
| Average earning assets | $351,021,500 | 2,091 |
| Average equity | $35,322,250 | 2,033 |
| Average total loans | $202,674,500 | 2,269 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1157% | 3,459 |
| Cost of funding earning assets | 0.5689% | 3,835 |
| Net interest margin | 3.5468% | 2,159 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 2.4715% | 2,289 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.0188% | 2,364 |
| Return on assets (ROA) | 1.0188% | 2,353 |
| Pretax return on assets | 1.3003% | 2,080 |
| Return on Equity (ROE) | 10.7700% | 2,485 |
| Retained earnings to average equity (ytd only) | 7.2574% | 2,207 |
| Net charge-offs to loans | -0.0020% | 3,534 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.1419% | 2,470 |
| Assets per employee ($millions) | 5.7698% | 2,911 |
| Cash dividends to net income (ytd only)* | 32.6411% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9300% | 475 |
| Loan loss allowance to noncurrent loans | 477.1127% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.2272% | 2,052 |
| Noncurrent loans to loans | 0.4045% | 1,717 |
| Net loans and leases to total assets | 55.0800% | 3,184 |
| Net loans and leases to deposits | 65.0983% | 3,120 |
| Net loans and leases to core deposits | 67.8836% | 3,237 |
| Total domestic deposits to total assets | 84.6000% | 2,662 |
| Equity capital to assets | 9.5253% | 2,141 |
| Core capital (leverage) ratio | 11.6564% | 1,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $368,683,000 | 2,130 |
| Average earning assets | $350,511,333 | 2,094 |
| Average equity | $34,861,000 | 2,063 |
| Average total loans | $202,463,333 | 2,271 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9600% | 3,529 |
| Cost of funding earning assets | 0.4444% | 3,852 |
| Net interest margin | 3.5157% | 2,321 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 2.4722% | 2,315 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 0.9882% | 2,567 |
| Return on assets (ROA) | 0.9882% | 2,532 |
| Pretax return on assets | 1.2552% | 2,285 |
| Return on Equity (ROE) | 10.4900% | 2,635 |
| Retained earnings to average equity (ytd only) | 6.4943% | 2,646 |
| Net charge-offs to loans | -0.0020% | 3,427 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.6167% | 2,372 |
| Assets per employee ($millions) | 5.8441% | 2,897 |
| Cash dividends to net income (ytd only)* | 38.0952% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0486% | 401 |
| Loan loss allowance to noncurrent loans | 365.9498% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.3031% | 1,650 |
| Noncurrent loans to loans | 0.5598% | 1,322 |
| Net loans and leases to total assets | 53.0400% | 3,274 |
| Net loans and leases to deposits | 59.5192% | 3,365 |
| Net loans and leases to core deposits | 61.7042% | 3,459 |
| Total domestic deposits to total assets | 89.1100% | 1,504 |
| Equity capital to assets | 9.4552% | 2,178 |
| Core capital (leverage) ratio | 11.5371% | 1,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $365,507,500 | 2,173 |
| Average earning assets | $347,471,000 | 2,135 |
| Average equity | $34,430,000 | 2,097 |
| Average total loans | $198,385,000 | 2,319 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5460% | 2,954 |
| Cost of funding earning assets | 0.1710% | 3,991 |
| Net interest margin | 3.3750% | 2,333 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 2.4422% | 2,298 |
| Loan and lease loss provision to assets | 0.2400% | 394 |
| Net operating income to assets | 0.9566% | 2,741 |
| Return on assets (ROA) | 0.9566% | 2,691 |
| Pretax return on assets | 1.1731% | 2,524 |
| Return on Equity (ROE) | 10.2400% | 2,736 |
| Retained earnings to average equity (ytd only) | 7.2643% | 2,117 |
| Net charge-offs to loans | -0.0027% | 3,507 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.3022% | 2,590 |
| Assets per employee ($millions) | 5.6693% | 3,064 |
| Cash dividends to net income (ytd only)* | 29.0764% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0227% | 415 |
| Loan loss allowance to noncurrent loans | 811.5854% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.1356% | 2,575 |
| Noncurrent loans to loans | 0.2492% | 2,279 |
| Net loans and leases to total assets | 53.3100% | 3,252 |
| Net loans and leases to deposits | 59.9780% | 3,325 |
| Net loans and leases to core deposits | 61.5373% | 3,418 |
| Total domestic deposits to total assets | 88.8800% | 1,750 |
| Equity capital to assets | 9.3838% | 2,085 |
| Core capital (leverage) ratio | 11.3823% | 1,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $366,720,600 | 2,155 |
| Average earning assets | $349,098,600 | 2,113 |
| Average equity | $34,249,600 | 2,143 |
| Average total loans | $183,441,600 | 2,347 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4370% | 2,814 |
| Cost of funding earning assets | 0.1531% | 3,820 |
| Net interest margin | 3.2839% | 2,340 |
| Noninterest income to average assets | 0.6700% | 1,437 |
| Noninterest expense to average assets | 2.4175% | 2,264 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0791% | 2,174 |
| Return on assets (ROA) | 1.0791% | 2,136 |
| Pretax return on assets | 1.3783% | 1,787 |
| Return on Equity (ROE) | 11.5700% | 2,183 |
| Retained earnings to average equity (ytd only) | 8.5907% | 1,791 |
| Net charge-offs to loans | -0.0059% | 3,530 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.6893% | 2,592 |
| Assets per employee ($millions) | 5.5159% | 3,199 |
| Cash dividends to net income (ytd only)* | 25.7392% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5922% | 1,078 |
| Loan loss allowance to noncurrent loans | 538.3016% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.1561% | 2,525 |
| Noncurrent loans to loans | 0.2958% | 2,180 |
| Net loans and leases to total assets | 51.9500% | 3,280 |
| Net loans and leases to deposits | 57.2634% | 3,388 |
| Net loans and leases to core deposits | 58.2772% | 3,481 |
| Total domestic deposits to total assets | 90.7100% | 1,357 |
| Equity capital to assets | 9.0821% | 2,152 |
| Core capital (leverage) ratio | 11.2253% | 1,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $367,691,500 | 2,165 |
| Average earning assets | $350,139,000 | 2,121 |
| Average equity | $34,300,000 | 2,174 |
| Average total loans | $179,949,000 | 2,377 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3610% | 2,544 |
| Cost of funding earning assets | 0.1596% | 3,450 |
| Net interest margin | 3.2014% | 2,181 |
| Noninterest income to average assets | 0.7007% | 1,335 |
| Noninterest expense to average assets | 2.4214% | 2,166 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0450% | 1,996 |
| Return on assets (ROA) | 1.0450% | 1,964 |
| Pretax return on assets | 1.3284% | 1,647 |
| Return on Equity (ROE) | 11.1042% | 1,946 |
| Retained earnings to average equity (ytd only) | 8.1169% | 1,573 |
| Net charge-offs to loans | 0.0046% | 1,853 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 609.5000% | 220 |
| Efficiency ratio | 64.5743% | 2,699 |
| Assets per employee ($millions) | 5.4185% | 3,306 |
| Cash dividends to net income (ytd only)* | 26.9030% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6637% | 1,024 |
| Loan loss allowance to noncurrent loans | 451.6788% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.1859% | 2,427 |
| Noncurrent loans to loans | 0.3683% | 2,042 |
| Net loans and leases to total assets | 49.6335% | 3,411 |
| Net loans and leases to deposits | 54.5269% | 3,504 |
| Net loans and leases to core deposits | 55.5377% | 3,607 |
| Total domestic deposits to total assets | 91.0256% | 1,229 |
| Equity capital to assets | 8.8275% | 2,518 |
| Core capital (leverage) ratio | 10.9599% | 1,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $367,067,333 | 2,170 |
| Average earning assets | $349,596,667 | 2,143 |
| Average equity | $34,545,333 | 2,216 |
| Average total loans | $174,905,000 | 2,421 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2086% | 2,660 |
| Cost of funding earning assets | 0.1671% | 3,263 |
| Net interest margin | 3.0415% | 2,359 |
| Noninterest income to average assets | 0.7031% | 1,308 |
| Noninterest expense to average assets | 2.3474% | 2,350 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9837% | 1,951 |
| Return on assets (ROA) | 0.9837% | 1,949 |
| Pretax return on assets | 1.2577% | 1,630 |
| Return on Equity (ROE) | 10.1364% | 1,914 |
| Retained earnings to average equity (ytd only) | 7.0201% | 1,887 |
| Net charge-offs to loans | 0.0142% | 1,258 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 192.0000% | 440 |
| Efficiency ratio | 65.1121% | 2,892 |
| Assets per employee ($millions) | 5.1758% | 3,599 |
| Cash dividends to net income (ytd only)* | 30.7436% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7832% | 905 |
| Loan loss allowance to noncurrent loans | 227.0191% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.3989% | 1,505 |
| Noncurrent loans to loans | 0.7855% | 1,208 |
| Net loans and leases to total assets | 46.3433% | 3,548 |
| Net loans and leases to deposits | 50.8129% | 3,659 |
| Net loans and leases to core deposits | 51.7583% | 3,747 |
| Total domestic deposits to total assets | 91.2039% | 931 |
| Equity capital to assets | 8.5906% | 3,088 |
| Core capital (leverage) ratio | 11.0151% | 1,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $366,370,500 | 2,182 |
| Average earning assets | $349,564,000 | 2,149 |
| Average equity | $35,555,000 | 2,238 |
| Average total loans | $169,370,500 | 2,462 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6605% | 2,221 |
| Cost of funding earning assets | 0.2267% | 3,178 |
| Net interest margin | 3.4338% | 1,922 |
| Noninterest income to average assets | 0.6805% | 1,833 |
| Noninterest expense to average assets | 2.6340% | 1,794 |
| Loan and lease loss provision to assets | 0.0267% | 2,528 |
| Net operating income to assets | 1.0093% | 2,631 |
| Return on assets (ROA) | 1.0121% | 2,698 |
| Pretax return on assets | 1.2712% | 2,455 |
| Return on Equity (ROE) | 8.7030% | 3,010 |
| Retained earnings to average equity (ytd only) | 6.3249% | 2,215 |
| Net charge-offs to loans | -0.0047% | 3,541 |
| Credit loss provision to net charge-offs | -1,125.0000% | 3,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0511% | 2,116 |
| Assets per employee ($millions) | 5.2936% | 3,485 |
| Cash dividends to net income (ytd only)* | 27.3259% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8736% | 763 |
| Loan loss allowance to noncurrent loans | 727.2300% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.1451% | 2,925 |
| Noncurrent loans to loans | 0.2576% | 2,687 |
| Net loans and leases to total assets | 44.4199% | 3,809 |
| Net loans and leases to deposits | 49.8850% | 3,892 |
| Net loans and leases to core deposits | 50.6974% | 3,979 |
| Total domestic deposits to total assets | 89.0445% | 1,490 |
| Equity capital to assets | 10.8254% | 1,919 |
| Core capital (leverage) ratio | 11.2809% | 1,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $337,701,600 | 2,259 |
| Average earning assets | $319,410,800 | 2,234 |
| Average equity | $39,273,600 | 2,104 |
| Average total loans | $170,127,400 | 2,465 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7340% | 2,187 |
| Cost of funding earning assets | 0.2421% | 3,195 |
| Net interest margin | 3.4919% | 1,883 |
| Noninterest income to average assets | 0.7009% | 1,818 |
| Noninterest expense to average assets | 2.6286% | 1,756 |
| Loan and lease loss provision to assets | 0.0363% | 2,268 |
| Net operating income to assets | 1.0312% | 2,800 |
| Return on assets (ROA) | 1.0350% | 2,849 |
| Pretax return on assets | 1.3308% | 2,540 |
| Return on Equity (ROE) | 8.7330% | 3,191 |
| Retained earnings to average equity (ytd only) | 6.4715% | 2,627 |
| Net charge-offs to loans | -0.0039% | 3,357 |
| Credit loss provision to net charge-offs | -1,800.0000% | 3,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8655% | 2,113 |
| Assets per employee ($millions) | 5.1688% | 3,536 |
| Cash dividends to net income (ytd only)* | 25.8956% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7974% | 933 |
| Loan loss allowance to noncurrent loans | 814.2105% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.2393% | 2,585 |
| Noncurrent loans to loans | 0.2208% | 3,067 |
| Net loans and leases to total assets | 48.0935% | 3,624 |
| Net loans and leases to deposits | 54.5650% | 3,690 |
| Net loans and leases to core deposits | 55.4070% | 3,819 |
| Total domestic deposits to total assets | 88.1399% | 1,753 |
| Equity capital to assets | 11.5164% | 1,662 |
| Core capital (leverage) ratio | 11.6908% | 1,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $330,812,000 | 2,314 |
| Average earning assets | $311,687,000 | 2,295 |
| Average equity | $39,206,750 | 2,135 |
| Average total loans | $171,322,750 | 2,490 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7896% | 2,098 |
| Cost of funding earning assets | 0.2583% | 3,204 |
| Net interest margin | 3.5313% | 1,765 |
| Noninterest income to average assets | 0.7212% | 1,741 |
| Noninterest expense to average assets | 2.6630% | 1,679 |
| Loan and lease loss provision to assets | 0.0370% | 2,250 |
| Net operating income to assets | 1.0358% | 2,770 |
| Return on assets (ROA) | 1.0416% | 2,829 |
| Pretax return on assets | 1.3460% | 2,492 |
| Return on Equity (ROE) | 8.6997% | 3,191 |
| Retained earnings to average equity (ytd only) | 6.3997% | 2,660 |
| Net charge-offs to loans | -0.0023% | 3,227 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9379% | 2,162 |
| Assets per employee ($millions) | 4.8919% | 3,755 |
| Cash dividends to net income (ytd only)* | 26.4375% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8112% | 864 |
| Loan loss allowance to noncurrent loans | 710.4408% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.2682% | 2,584 |
| Noncurrent loans to loans | 0.2549% | 3,025 |
| Net loans and leases to total assets | 49.9011% | 3,563 |
| Net loans and leases to deposits | 56.6985% | 3,668 |
| Net loans and leases to core deposits | 57.5355% | 3,794 |
| Total domestic deposits to total assets | 88.0114% | 1,814 |
| Equity capital to assets | 11.7704% | 1,473 |
| Core capital (leverage) ratio | 11.8480% | 1,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $323,922,667 | 2,340 |
| Average earning assets | $304,308,000 | 2,326 |
| Average equity | $38,783,000 | 2,143 |
| Average total loans | $171,052,667 | 2,503 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8084% | 2,079 |
| Cost of funding earning assets | 0.2823% | 3,173 |
| Net interest margin | 3.5261% | 1,759 |
| Noninterest income to average assets | 0.7973% | 1,588 |
| Noninterest expense to average assets | 2.7225% | 1,565 |
| Loan and lease loss provision to assets | 0.0376% | 2,275 |
| Net operating income to assets | 1.0507% | 2,634 |
| Return on assets (ROA) | 1.0527% | 2,707 |
| Pretax return on assets | 1.3544% | 2,416 |
| Return on Equity (ROE) | 8.7156% | 3,128 |
| Retained earnings to average equity (ytd only) | 6.4356% | 2,753 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2100% | 2,196 |
| Assets per employee ($millions) | 4.5378% | 4,071 |
| Cash dividends to net income (ytd only)* | 26.1593% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7702% | 918 |
| Loan loss allowance to noncurrent loans | 640.5920% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.3036% | 2,618 |
| Noncurrent loans to loans | 0.2763% | 3,109 |
| Net loans and leases to total assets | 52.1865% | 3,428 |
| Net loans and leases to deposits | 59.2272% | 3,546 |
| Net loans and leases to core deposits | 60.2918% | 3,679 |
| Total domestic deposits to total assets | 88.1124% | 1,784 |
| Equity capital to assets | 11.6405% | 1,471 |
| Core capital (leverage) ratio | 12.0779% | 1,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $319,560,000 | 2,345 |
| Average earning assets | $300,385,000 | 2,326 |
| Average equity | $38,597,500 | 2,142 |
| Average total loans | $172,050,500 | 2,502 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4462% | 1,447 |
| Cost of funding earning assets | 0.4353% | 3,375 |
| Net interest margin | 4.0108% | 953 |
| Noninterest income to average assets | 0.8454% | 1,404 |
| Noninterest expense to average assets | 3.0520% | 1,328 |
| Loan and lease loss provision to assets | 0.1741% | 2,211 |
| Net operating income to assets | 1.0903% | 1,960 |
| Return on assets (ROA) | 1.1031% | 2,037 |
| Pretax return on assets | 1.3855% | 1,703 |
| Return on Equity (ROE) | 8.3396% | 2,672 |
| Retained earnings to average equity (ytd only) | 6.1336% | 1,739 |
| Net charge-offs to loans | 0.0675% | 1,821 |
| Credit loss provision to net charge-offs | 454.5455% | 1,326 |
| Earnings coverage of net charge-offs (x) | 40.3000% | 1,387 |
| Efficiency ratio | 66.4116% | 2,464 |
| Assets per employee ($millions) | 4.1160% | 4,275 |
| Cash dividends to net income (ytd only)* | 26.4520% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7348% | 970 |
| Loan loss allowance to noncurrent loans | 550.4587% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.3026% | 2,785 |
| Noncurrent loans to loans | 0.3151% | 3,070 |
| Net loans and leases to total assets | 53.6179% | 3,524 |
| Net loans and leases to deposits | 61.5852% | 3,639 |
| Net loans and leases to core deposits | 62.9168% | 3,774 |
| Total domestic deposits to total assets | 87.0630% | 1,912 |
| Equity capital to assets | 12.5234% | 1,312 |
| Core capital (leverage) ratio | 12.2702% | 1,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9361% | 666 |
| Memoranda: | ||
| Average total assets | $287,193,000 | 2,357 |
| Average earning assets | $268,523,600 | 2,345 |
| Average equity | $37,987,600 | 2,092 |
| Average total loans | $162,993,200 | 2,547 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5043% | 1,557 |
| Cost of funding earning assets | 0.4697% | 3,420 |
| Net interest margin | 4.0346% | 1,041 |
| Noninterest income to average assets | 0.8579% | 1,333 |
| Noninterest expense to average assets | 3.0526% | 1,333 |
| Loan and lease loss provision to assets | 0.1669% | 2,328 |
| Net operating income to assets | 1.0751% | 2,064 |
| Return on assets (ROA) | 1.0928% | 2,136 |
| Pretax return on assets | 1.4274% | 1,645 |
| Return on Equity (ROE) | 8.1393% | 2,755 |
| Retained earnings to average equity (ytd only) | 5.8462% | 2,176 |
| Net charge-offs to loans | 0.0897% | 1,407 |
| Credit loss provision to net charge-offs | 324.0741% | 1,686 |
| Earnings coverage of net charge-offs (x) | 30.5370% | 1,561 |
| Efficiency ratio | 66.0105% | 2,462 |
| Assets per employee ($millions) | 3.7258% | 4,540 |
| Cash dividends to net income (ytd only)* | 28.1727% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6846% | 919 |
| Loan loss allowance to noncurrent loans | 261.8916% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.5043% | 2,186 |
| Noncurrent loans to loans | 0.6432% | 2,186 |
| Net loans and leases to total assets | 55.8430% | 3,638 |
| Net loans and leases to deposits | 64.7155% | 3,736 |
| Net loans and leases to core deposits | 66.2608% | 3,878 |
| Total domestic deposits to total assets | 86.2899% | 1,942 |
| Equity capital to assets | 13.1072% | 1,134 |
| Core capital (leverage) ratio | 12.6122% | 1,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2786% | 642 |
| Memoranda: | ||
| Average total assets | $279,757,500 | 2,382 |
| Average earning assets | $261,167,000 | 2,368 |
| Average equity | $37,561,750 | 2,103 |
| Average total loans | $160,508,000 | 2,567 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5203% | 1,858 |
| Cost of funding earning assets | 0.4945% | 3,569 |
| Net interest margin | 4.0258% | 1,262 |
| Noninterest income to average assets | 0.8047% | 1,421 |
| Noninterest expense to average assets | 2.9651% | 1,674 |
| Loan and lease loss provision to assets | 0.1462% | 2,551 |
| Net operating income to assets | 1.0952% | 1,985 |
| Return on assets (ROA) | 1.1021% | 2,077 |
| Pretax return on assets | 1.4566% | 1,567 |
| Return on Equity (ROE) | 8.1382% | 2,692 |
| Retained earnings to average equity (ytd only) | 5.9364% | 2,109 |
| Net charge-offs to loans | 0.1409% | 1,012 |
| Credit loss provision to net charge-offs | 180.1802% | 1,993 |
| Earnings coverage of net charge-offs (x) | 19.6486% | 1,710 |
| Efficiency ratio | 65.0369% | 2,655 |
| Assets per employee ($millions) | 3.5611% | 4,625 |
| Cash dividends to net income (ytd only)* | 27.0557% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6723% | 873 |
| Loan loss allowance to noncurrent loans | 481.1052% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.3801% | 2,775 |
| Noncurrent loans to loans | 0.3476% | 3,156 |
| Net loans and leases to total assets | 54.3477% | 3,843 |
| Net loans and leases to deposits | 63.0526% | 3,951 |
| Net loans and leases to core deposits | 64.4126% | 4,053 |
| Total domestic deposits to total assets | 86.1942% | 1,928 |
| Equity capital to assets | 13.1733% | 1,088 |
| Core capital (leverage) ratio | 12.9882% | 1,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8919% | 592 |
| Memoranda: | ||
| Average total assets | $273,654,667 | 2,388 |
| Average earning assets | $255,206,667 | 2,380 |
| Average equity | $37,059,667 | 2,116 |
| Average total loans | $157,577,000 | 2,587 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6439% | 1,874 |
| Cost of funding earning assets | 0.5214% | 3,838 |
| Net interest margin | 4.1225% | 1,090 |
| Noninterest income to average assets | 0.6972% | 1,660 |
| Noninterest expense to average assets | 3.1685% | 1,493 |
| Loan and lease loss provision to assets | 0.0756% | 2,780 |
| Net operating income to assets | 0.9929% | 2,195 |
| Return on assets (ROA) | 1.0073% | 2,257 |
| Pretax return on assets | 1.3097% | 1,846 |
| Return on Equity (ROE) | 7.3275% | 2,812 |
| Retained earnings to average equity (ytd only) | 4.8190% | 2,356 |
| Net charge-offs to loans | 0.1028% | 1,061 |
| Credit loss provision to net charge-offs | 125.0000% | 1,687 |
| Earnings coverage of net charge-offs (x) | 22.6000% | 1,349 |
| Efficiency ratio | 69.8566% | 2,374 |
| Assets per employee ($millions) | 3.3699% | 4,583 |
| Cash dividends to net income (ytd only)* | 34.2342% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6553% | 942 |
| Loan loss allowance to noncurrent loans | 148.4419% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.7593% | 1,779 |
| Noncurrent loans to loans | 1.1151% | 1,484 |
| Net loans and leases to total assets | 57.7388% | 3,693 |
| Net loans and leases to deposits | 67.1643% | 3,781 |
| Net loans and leases to core deposits | 68.5271% | 3,960 |
| Total domestic deposits to total assets | 85.9665% | 2,011 |
| Equity capital to assets | 13.5632% | 1,197 |
| Core capital (leverage) ratio | 13.7612% | 969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3147% | 612 |
| Memoranda: | ||
| Average total assets | $264,478,500 | 2,399 |
| Average earning assets | $246,257,000 | 2,397 |
| Average equity | $36,356,000 | 2,132 |
| Average total loans | $155,666,500 | 2,583 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7524% | 2,188 |
| Cost of funding earning assets | 0.5377% | 3,934 |
| Net interest margin | 4.2148% | 1,294 |
| Noninterest income to average assets | 0.7172% | 1,754 |
| Noninterest expense to average assets | 3.0265% | 1,949 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2318% | 1,939 |
| Return on assets (ROA) | 1.2411% | 1,983 |
| Pretax return on assets | 1.6093% | 1,458 |
| Return on Equity (ROE) | 9.1517% | 2,686 |
| Retained earnings to average equity (ytd only) | 5.7137% | 2,022 |
| Net charge-offs to loans | 0.0492% | 2,414 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 53.6053% | 1,070 |
| Efficiency ratio | 65.4512% | 2,847 |
| Assets per employee ($millions) | 3.2021% | 4,699 |
| Cash dividends to net income (ytd only)* | 37.5671% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7053% | 786 |
| Loan loss allowance to noncurrent loans | 172.6190% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 1.1173% | 1,082 |
| Noncurrent loans to loans | 0.9879% | 1,540 |
| Net loans and leases to total assets | 58.0047% | 3,767 |
| Net loans and leases to deposits | 67.6982% | 3,841 |
| Net loans and leases to core deposits | 69.1352% | 4,008 |
| Total domestic deposits to total assets | 85.6813% | 2,203 |
| Equity capital to assets | 13.9366% | 1,120 |
| Core capital (leverage) ratio | 13.8374% | 970 |
| Tier 1 risk-based capital ratio | 21.3660% | 1,109 |
| Total risk-based capital ratio | 22.6201% | 1,085 |
| Memoranda: | ||
| Average total assets | $255,017,200 | 2,428 |
| Average earning assets | $236,383,800 | 2,434 |
| Average equity | $34,583,800 | 2,165 |
| Average total loans | $154,322,200 | 2,574 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7743% | 2,198 |
| Cost of funding earning assets | 0.5394% | 3,983 |
| Net interest margin | 4.2350% | 1,293 |
| Noninterest income to average assets | 0.7010% | 1,778 |
| Noninterest expense to average assets | 3.0506% | 1,828 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2178% | 2,131 |
| Return on assets (ROA) | 1.2245% | 2,185 |
| Pretax return on assets | 1.5752% | 1,718 |
| Return on Equity (ROE) | 9.0933% | 2,850 |
| Retained earnings to average equity (ytd only) | 6.5158% | 2,108 |
| Net charge-offs to loans | -0.0112% | 4,409 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0678% | 2,718 |
| Assets per employee ($millions) | 3.2447% | 4,713 |
| Cash dividends to net income (ytd only)* | 28.3447% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7692% | 720 |
| Loan loss allowance to noncurrent loans | 98.1455% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 1.1817% | 1,079 |
| Noncurrent loans to loans | 1.8027% | 792 |
| Net loans and leases to total assets | 58.4610% | 3,831 |
| Net loans and leases to deposits | 68.3022% | 3,901 |
| Net loans and leases to core deposits | 69.8326% | 4,067 |
| Total domestic deposits to total assets | 85.5916% | 2,170 |
| Equity capital to assets | 13.9890% | 1,161 |
| Core capital (leverage) ratio | 13.7100% | 1,073 |
| Tier 1 risk-based capital ratio | 21.3084% | 1,153 |
| Total risk-based capital ratio | 22.5634% | 1,130 |
| Memoranda: | ||
| Average total assets | $253,929,750 | 2,458 |
| Average earning assets | $234,832,750 | 2,458 |
| Average equity | $34,193,000 | 2,197 |
| Average total loans | $154,639,000 | 2,601 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7483% | 2,231 |
| Cost of funding earning assets | 0.5243% | 4,013 |
| Net interest margin | 4.2240% | 1,302 |
| Noninterest income to average assets | 0.6534% | 1,903 |
| Noninterest expense to average assets | 3.0522% | 1,858 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1627% | 2,283 |
| Return on assets (ROA) | 1.1646% | 2,353 |
| Pretax return on assets | 1.4925% | 1,882 |
| Return on Equity (ROE) | 8.7639% | 2,948 |
| Retained earnings to average equity (ytd only) | 6.0348% | 2,265 |
| Net charge-offs to loans | -0.0103% | 4,337 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1943% | 2,659 |
| Assets per employee ($millions) | 3.1953% | 4,774 |
| Cash dividends to net income (ytd only)* | 31.1398% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7520% | 748 |
| Loan loss allowance to noncurrent loans | 102.9817% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 1.1255% | 1,197 |
| Noncurrent loans to loans | 1.7012% | 896 |
| Net loans and leases to total assets | 58.3724% | 3,876 |
| Net loans and leases to deposits | 68.6951% | 3,927 |
| Net loans and leases to core deposits | 70.4519% | 4,093 |
| Total domestic deposits to total assets | 84.9731% | 2,489 |
| Equity capital to assets | 13.4934% | 1,325 |
| Core capital (leverage) ratio | 13.6927% | 1,052 |
| Tier 1 risk-based capital ratio | 20.4892% | 1,258 |
| Total risk-based capital ratio | 21.7434% | 1,222 |
| Memoranda: | ||
| Average total assets | $253,129,670 | 2,470 |
| Average earning assets | $233,052,000 | 2,477 |
| Average equity | $33,638,000 | 2,219 |
| Average total loans | $155,334,670 | 2,601 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7590% | 2,037 |
| Cost of funding earning assets | 0.5086% | 4,022 |
| Net interest margin | 4.2504% | 1,194 |
| Noninterest income to average assets | 0.6137% | 1,983 |
| Noninterest expense to average assets | 3.0477% | 1,855 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1565% | 2,234 |
| Return on assets (ROA) | 1.1603% | 2,270 |
| Pretax return on assets | 1.4975% | 1,783 |
| Return on Equity (ROE) | 8.8012% | 2,897 |
| Retained earnings to average equity (ytd only) | 6.1220% | 2,405 |
| Net charge-offs to loans | -0.0231% | 4,546 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1243% | 2,777 |
| Assets per employee ($millions) | 3.2203% | 4,816 |
| Cash dividends to net income (ytd only)* | 30.4408% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7196% | 823 |
| Loan loss allowance to noncurrent loans | 214.0588% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.6004% | 2,271 |
| Noncurrent loans to loans | 0.8033% | 2,033 |
| Net loans and leases to total assets | 61.3214% | 3,566 |
| Net loans and leases to deposits | 71.9765% | 3,605 |
| Net loans and leases to core deposits | 73.7659% | 3,811 |
| Total domestic deposits to total assets | 85.1965% | 2,602 |
| Equity capital to assets | 13.3556% | 1,267 |
| Core capital (leverage) ratio | 13.6921% | 1,027 |
| Tier 1 risk-based capital ratio | 20.0239% | 1,339 |
| Total risk-based capital ratio | 21.2780% | 1,308 |
| Memoranda: | ||
| Average total assets | $250,286,500 | 2,511 |
| Average earning assets | $231,223,500 | 2,517 |
| Average equity | $32,995,500 | 2,251 |
| Average total loans | $156,116,500 | 2,625 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6795% | 1,902 |
| Cost of funding earning assets | 0.4370% | 3,760 |
| Net interest margin | 4.2426% | 1,297 |
| Noninterest income to average assets | 0.6603% | 2,011 |
| Noninterest expense to average assets | 3.1149% | 1,757 |
| Loan and lease loss provision to assets | 0.0004% | 4,080 |
| Net operating income to assets | 1.1463% | 2,405 |
| Return on assets (ROA) | 1.1324% | 2,462 |
| Pretax return on assets | 1.4347% | 2,010 |
| Return on Equity (ROE) | 8.9733% | 3,011 |
| Retained earnings to average equity (ytd only) | 6.2763% | 2,049 |
| Net charge-offs to loans | -0.0125% | 4,555 |
| Credit loss provision to net charge-offs | -5.2632% | 4,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1950% | 2,502 |
| Assets per employee ($millions) | 3.0789% | 4,942 |
| Cash dividends to net income (ytd only)* | 30.0566% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7272% | 790 |
| Loan loss allowance to noncurrent loans | 231.3523% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.6973% | 1,984 |
| Noncurrent loans to loans | 0.7466% | 2,131 |
| Net loans and leases to total assets | 61.2787% | 3,633 |
| Net loans and leases to deposits | 72.6570% | 3,613 |
| Net loans and leases to core deposits | 74.4258% | 3,821 |
| Total domestic deposits to total assets | 84.3398% | 2,894 |
| Equity capital to assets | 13.0093% | 1,342 |
| Core capital (leverage) ratio | 13.3984% | 1,108 |
| Tier 1 risk-based capital ratio | 19.7614% | 1,345 |
| Total risk-based capital ratio | 21.0155% | 1,315 |
| Memoranda: | ||
| Average total assets | $249,739,000 | 2,472 |
| Average earning assets | $230,003,000 | 2,486 |
| Average equity | $31,515,600 | 2,250 |
| Average total loans | $152,305,400 | 2,618 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6488% | 1,836 |
| Cost of funding earning assets | 0.4148% | 3,753 |
| Net interest margin | 4.2339% | 1,276 |
| Noninterest income to average assets | 0.6954% | 1,879 |
| Noninterest expense to average assets | 3.1434% | 1,661 |
| Loan and lease loss provision to assets | 0.0005% | 3,944 |
| Net operating income to assets | 1.1315% | 2,522 |
| Return on assets (ROA) | 1.1138% | 2,620 |
| Pretax return on assets | 1.4239% | 2,141 |
| Return on Equity (ROE) | 8.8948% | 3,132 |
| Retained earnings to average equity (ytd only) | 6.1714% | 2,566 |
| Net charge-offs to loans | -0.0211% | 4,649 |
| Credit loss provision to net charge-offs | -4.1667% | 4,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4804% | 2,450 |
| Assets per employee ($millions) | 3.1980% | 4,888 |
| Cash dividends to net income (ytd only)* | 30.6181% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6636% | 943 |
| Loan loss allowance to noncurrent loans | 233.5938% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.7805% | 1,911 |
| Noncurrent loans to loans | 0.7122% | 2,299 |
| Net loans and leases to total assets | 62.9624% | 3,549 |
| Net loans and leases to deposits | 75.2819% | 3,481 |
| Net loans and leases to core deposits | 76.9890% | 3,739 |
| Total domestic deposits to total assets | 83.6354% | 3,067 |
| Equity capital to assets | 12.4888% | 1,595 |
| Core capital (leverage) ratio | 13.0871% | 1,242 |
| Tier 1 risk-based capital ratio | 18.7481% | 1,599 |
| Total risk-based capital ratio | 20.0016% | 1,566 |
| Memoranda: | ||
| Average total assets | $249,826,250 | 2,490 |
| Average earning assets | $229,819,000 | 2,501 |
| Average equity | $31,283,500 | 2,266 |
| Average total loans | $151,504,500 | 2,642 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5644% | 1,888 |
| Cost of funding earning assets | 0.3816% | 3,858 |
| Net interest margin | 4.1828% | 1,330 |
| Noninterest income to average assets | 0.6846% | 1,931 |
| Noninterest expense to average assets | 3.1645% | 1,621 |
| Loan and lease loss provision to assets | 0.0008% | 3,779 |
| Net operating income to assets | 1.0753% | 2,687 |
| Return on assets (ROA) | 1.0487% | 2,807 |
| Pretax return on assets | 1.3347% | 2,379 |
| Return on Equity (ROE) | 8.3670% | 3,332 |
| Retained earnings to average equity (ytd only) | 5.5908% | 2,772 |
| Net charge-offs to loans | -0.0257% | 4,675 |
| Credit loss provision to net charge-offs | -5.2632% | 3,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7979% | 2,350 |
| Assets per employee ($millions) | 3.1108% | 5,006 |
| Cash dividends to net income (ytd only)* | 33.1801% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7122% | 887 |
| Loan loss allowance to noncurrent loans | 258.2692% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.7382% | 2,026 |
| Noncurrent loans to loans | 0.6630% | 2,455 |
| Net loans and leases to total assets | 61.1908% | 3,685 |
| Net loans and leases to deposits | 73.0596% | 3,622 |
| Net loans and leases to core deposits | 74.4014% | 3,853 |
| Total domestic deposits to total assets | 83.7547% | 3,148 |
| Equity capital to assets | 12.3933% | 1,598 |
| Core capital (leverage) ratio | 13.0739% | 1,195 |
| Tier 1 risk-based capital ratio | 18.9194% | 1,566 |
| Total risk-based capital ratio | 20.1736% | 1,527 |
| Memoranda: | ||
| Average total assets | $248,887,330 | 2,510 |
| Average earning assets | $229,031,000 | 2,516 |
| Average equity | $31,194,000 | 2,276 |
| Average total loans | $148,085,670 | 2,690 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4798% | 1,925 |
| Cost of funding earning assets | 0.3666% | 3,862 |
| Net interest margin | 4.1133% | 1,408 |
| Noninterest income to average assets | 0.6711% | 1,953 |
| Noninterest expense to average assets | 3.2247% | 1,520 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9835% | 2,919 |
| Return on assets (ROA) | 0.9299% | 3,181 |
| Pretax return on assets | 1.1708% | 2,888 |
| Return on Equity (ROE) | 7.3772% | 3,643 |
| Retained earnings to average equity (ytd only) | 3.9260% | 3,622 |
| Net charge-offs to loans | -0.0251% | 4,663 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2464% | 2,155 |
| Assets per employee ($millions) | 2.9793% | 5,166 |
| Cash dividends to net income (ytd only)* | 46.7826% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8144% | 763 |
| Loan loss allowance to noncurrent loans | 242.3007% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.7844% | 2,006 |
| Noncurrent loans to loans | 0.7488% | 2,338 |
| Net loans and leases to total assets | 57.8441% | 3,953 |
| Net loans and leases to deposits | 68.0602% | 3,940 |
| Net loans and leases to core deposits | 69.0969% | 4,140 |
| Total domestic deposits to total assets | 84.9896% | 2,931 |
| Equity capital to assets | 12.3600% | 1,570 |
| Core capital (leverage) ratio | 12.8960% | 1,214 |
| Tier 1 risk-based capital ratio | 19.0897% | 1,532 |
| Total risk-based capital ratio | 20.3440% | 1,489 |
| Memoranda: | ||
| Average total assets | $247,344,000 | 2,540 |
| Average earning assets | $228,043,500 | 2,549 |
| Average equity | $31,177,000 | 2,292 |
| Average total loans | $143,693,000 | 2,767 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4560% | 1,860 |
| Cost of funding earning assets | 0.3766% | 3,451 |
| Net interest margin | 4.0794% | 1,508 |
| Noninterest income to average assets | 0.7616% | 1,725 |
| Noninterest expense to average assets | 3.1029% | 1,854 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8754% | 2,836 |
| Return on assets (ROA) | 0.9005% | 2,737 |
| Pretax return on assets | 1.3735% | 2,076 |
| Return on Equity (ROE) | 7.0806% | 3,229 |
| Retained earnings to average equity (ytd only) | 5.2341% | 1,977 |
| Net charge-offs to loans | 0.0096% | 3,753 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 248.4615% | 339 |
| Efficiency ratio | 69.9115% | 2,565 |
| Assets per employee ($millions) | 2.8756% | 5,278 |
| Cash dividends to net income (ytd only)* | 26.0790% | 3,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9050% | 643 |
| Loan loss allowance to noncurrent loans | 128.2964% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 1.2016% | 1,232 |
| Noncurrent loans to loans | 1.4848% | 1,150 |
| Net loans and leases to total assets | 56.1656% | 4,176 |
| Net loans and leases to deposits | 64.6552% | 4,284 |
| Net loans and leases to core deposits | 65.6451% | 4,432 |
| Total domestic deposits to total assets | 86.8694% | 2,057 |
| Equity capital to assets | 12.8553% | 1,337 |
| Core capital (leverage) ratio | 12.9729% | 1,153 |
| Tier 1 risk-based capital ratio | 19.8124% | 1,356 |
| Total risk-based capital ratio | 21.0676% | 1,320 |
| Memoranda: | ||
| Average total assets | $241,869,600 | 2,553 |
| Average earning assets | $217,997,800 | 2,598 |
| Average equity | $30,760,000 | 2,311 |
| Average total loans | $136,089,200 | 2,835 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4345% | 1,847 |
| Cost of funding earning assets | 0.3842% | 3,342 |
| Net interest margin | 4.0503% | 1,540 |
| Noninterest income to average assets | 0.7439% | 1,812 |
| Noninterest expense to average assets | 3.0880% | 1,837 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8665% | 3,193 |
| Return on assets (ROA) | 0.9031% | 3,065 |
| Pretax return on assets | 1.3409% | 2,325 |
| Return on Equity (ROE) | 7.1209% | 3,588 |
| Retained earnings to average equity (ytd only) | 5.2165% | 2,729 |
| Net charge-offs to loans | 0.0178% | 3,146 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 129.2746% | 596 |
| Efficiency ratio | 70.5964% | 2,436 |
| Assets per employee ($millions) | 2.8025% | 5,387 |
| Cash dividends to net income (ytd only)* | 26.7441% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9206% | 674 |
| Loan loss allowance to noncurrent loans | 137.9471% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 1.2103% | 1,358 |
| Noncurrent loans to loans | 1.3922% | 1,345 |
| Net loans and leases to total assets | 56.3825% | 4,201 |
| Net loans and leases to deposits | 65.0671% | 4,315 |
| Net loans and leases to core deposits | 65.9993% | 4,480 |
| Total domestic deposits to total assets | 86.6529% | 2,020 |
| Equity capital to assets | 13.0472% | 1,361 |
| Core capital (leverage) ratio | 12.9216% | 1,244 |
| Tier 1 risk-based capital ratio | 20.1718% | 1,328 |
| Total risk-based capital ratio | 21.4277% | 1,297 |
| Memoranda: | ||
| Average total assets | $241,229,750 | 2,570 |
| Average earning assets | $216,208,750 | 2,631 |
| Average equity | $30,594,500 | 2,333 |
| Average total loans | $135,123,750 | 2,866 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4225% | 1,745 |
| Cost of funding earning assets | 0.3908% | 3,164 |
| Net interest margin | 4.0317% | 1,512 |
| Noninterest income to average assets | 0.7161% | 1,922 |
| Noninterest expense to average assets | 3.0452% | 1,989 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8508% | 3,151 |
| Return on assets (ROA) | 0.8869% | 3,039 |
| Pretax return on assets | 1.3162% | 2,328 |
| Return on Equity (ROE) | 7.0602% | 3,523 |
| Retained earnings to average equity (ytd only) | 4.9422% | 2,747 |
| Net charge-offs to loans | 0.0433% | 2,327 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 52.5172% | 1,040 |
| Efficiency ratio | 70.6946% | 2,556 |
| Assets per employee ($millions) | 2.9903% | 5,276 |
| Cash dividends to net income (ytd only)* | 30.0000% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9954% | 609 |
| Loan loss allowance to noncurrent loans | 126.1304% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 1.3042% | 1,268 |
| Noncurrent loans to loans | 1.5820% | 1,172 |
| Net loans and leases to total assets | 53.7374% | 4,417 |
| Net loans and leases to deposits | 61.8401% | 4,514 |
| Net loans and leases to core deposits | 62.8673% | 4,674 |
| Total domestic deposits to total assets | 86.8974% | 1,989 |
| Equity capital to assets | 12.8405% | 1,454 |
| Core capital (leverage) ratio | 12.6132% | 1,331 |
| Tier 1 risk-based capital ratio | 20.4333% | 1,284 |
| Total risk-based capital ratio | 21.6900% | 1,254 |
| Memoranda: | ||
| Average total assets | $241,300,330 | 2,586 |
| Average earning assets | $214,947,000 | 2,655 |
| Average equity | $30,310,670 | 2,350 |
| Average total loans | $133,980,670 | 2,885 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4251% | 1,571 |
| Cost of funding earning assets | 0.3953% | 3,037 |
| Net interest margin | 4.0298% | 1,391 |
| Noninterest income to average assets | 0.7125% | 1,907 |
| Noninterest expense to average assets | 3.0177% | 2,121 |
| Loan and lease loss provision to assets | -0.0017% | 5,634 |
| Net operating income to assets | 0.8639% | 2,929 |
| Return on assets (ROA) | 0.9251% | 2,697 |
| Pretax return on assets | 1.3768% | 1,960 |
| Return on Equity (ROE) | 7.4476% | 3,185 |
| Retained earnings to average equity (ytd only) | 4.9205% | 2,933 |
| Net charge-offs to loans | 0.1219% | 1,192 |
| Credit loss provision to net charge-offs | -2.4390% | 3,779 |
| Earnings coverage of net charge-offs (x) | 18.8537% | 1,555 |
| Efficiency ratio | 70.1544% | 2,859 |
| Assets per employee ($millions) | 2.9403% | 5,401 |
| Cash dividends to net income (ytd only)* | 33.9318% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9591% | 723 |
| Loan loss allowance to noncurrent loans | 124.2110% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 1.3957% | 1,199 |
| Noncurrent loans to loans | 1.5772% | 1,239 |
| Net loans and leases to total assets | 54.0749% | 4,333 |
| Net loans and leases to deposits | 61.9410% | 4,440 |
| Net loans and leases to core deposits | 63.0331% | 4,593 |
| Total domestic deposits to total assets | 87.3006% | 2,072 |
| Equity capital to assets | 12.3667% | 1,624 |
| Core capital (leverage) ratio | 12.6156% | 1,286 |
| Tier 1 risk-based capital ratio | 20.1947% | 1,352 |
| Total risk-based capital ratio | 21.4510% | 1,324 |
| Memoranda: | ||
| Average total assets | $240,845,000 | 2,608 |
| Average earning assets | $214,503,000 | 2,683 |
| Average equity | $29,915,500 | 2,385 |
| Average total loans | $134,567,000 | 2,894 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5542% | 1,398 |
| Cost of funding earning assets | 0.4224% | 2,783 |
| Net interest margin | 4.1317% | 1,303 |
| Noninterest income to average assets | 0.8111% | 1,712 |
| Noninterest expense to average assets | 2.9549% | 2,480 |
| Loan and lease loss provision to assets | 0.0021% | 4,308 |
| Net operating income to assets | 1.0634% | 2,072 |
| Return on assets (ROA) | 1.1137% | 1,937 |
| Pretax return on assets | 1.6041% | 1,262 |
| Return on Equity (ROE) | 8.7026% | 2,563 |
| Retained earnings to average equity (ytd only) | 5.8587% | 1,786 |
| Net charge-offs to loans | -0.0023% | 4,711 |
| Credit loss provision to net charge-offs | -166.6667% | 4,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8357% | 3,614 |
| Assets per employee ($millions) | 2.8291% | 5,469 |
| Cash dividends to net income (ytd only)* | 32.6790% | 3,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9914% | 667 |
| Loan loss allowance to noncurrent loans | 116.2760% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 1.4862% | 1,129 |
| Noncurrent loans to loans | 1.7126% | 1,129 |
| Net loans and leases to total assets | 55.4823% | 4,311 |
| Net loans and leases to deposits | 63.6121% | 4,440 |
| Net loans and leases to core deposits | 65.0155% | 4,578 |
| Total domestic deposits to total assets | 87.2197% | 2,015 |
| Equity capital to assets | 12.4769% | 1,540 |
| Core capital (leverage) ratio | 12.6423% | 1,277 |
| Tier 1 risk-based capital ratio | 19.9449% | 1,386 |
| Total risk-based capital ratio | 21.2017% | 1,347 |
| Memoranda: | ||
| Average total assets | $233,271,200 | 2,630 |
| Average earning assets | $207,611,800 | 2,717 |
| Average equity | $29,853,000 | 2,360 |
| Average total loans | $132,740,600 | 2,880 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5495% | 1,403 |
| Cost of funding earning assets | 0.4248% | 2,781 |
| Net interest margin | 4.1247% | 1,326 |
| Noninterest income to average assets | 0.8333% | 1,634 |
| Noninterest expense to average assets | 2.9540% | 2,448 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0029% | 2,418 |
| Return on assets (ROA) | 1.0664% | 2,243 |
| Pretax return on assets | 1.6349% | 1,287 |
| Return on Equity (ROE) | 8.2798% | 2,864 |
| Retained earnings to average equity (ytd only) | 5.2077% | 2,689 |
| Net charge-offs to loans | 0.0171% | 3,379 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 157.4433% | 446 |
| Efficiency ratio | 65.7716% | 3,630 |
| Assets per employee ($millions) | 3.0750% | 5,312 |
| Cash dividends to net income (ytd only)* | 37.1027% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8863% | 873 |
| Loan loss allowance to noncurrent loans | 117.4856% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 1.4727% | 1,228 |
| Noncurrent loans to loans | 1.6056% | 1,342 |
| Net loans and leases to total assets | 58.3012% | 4,070 |
| Net loans and leases to deposits | 67.2264% | 4,226 |
| Net loans and leases to core deposits | 68.7238% | 4,414 |
| Total domestic deposits to total assets | 86.7236% | 2,018 |
| Equity capital to assets | 12.8963% | 1,545 |
| Core capital (leverage) ratio | 12.6135% | 1,353 |
| Tier 1 risk-based capital ratio | 19.0319% | 1,665 |
| Total risk-based capital ratio | 20.2876% | 1,622 |
| Memoranda: | ||
| Average total assets | $232,177,250 | 2,650 |
| Average earning assets | $205,908,000 | 2,740 |
| Average equity | $29,903,500 | 2,375 |
| Average total loans | $132,293,000 | 2,898 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6386% | 1,188 |
| Cost of funding earning assets | 0.4325% | 2,715 |
| Net interest margin | 4.2061% | 1,102 |
| Noninterest income to average assets | 0.8767% | 1,451 |
| Noninterest expense to average assets | 2.9500% | 2,517 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0540% | 2,152 |
| Return on assets (ROA) | 1.1498% | 1,893 |
| Pretax return on assets | 1.7594% | 960 |
| Return on Equity (ROE) | 8.9314% | 2,523 |
| Retained earnings to average equity (ytd only) | 5.6983% | 2,300 |
| Net charge-offs to loans | 0.0324% | 2,807 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 88.5238% | 645 |
| Efficiency ratio | 64.6645% | 3,905 |
| Assets per employee ($millions) | 3.0393% | 5,380 |
| Cash dividends to net income (ytd only)* | 36.1991% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9282% | 853 |
| Loan loss allowance to noncurrent loans | 129.9657% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 1.4003% | 1,411 |
| Noncurrent loans to loans | 1.4837% | 1,481 |
| Net loans and leases to total assets | 57.5923% | 4,157 |
| Net loans and leases to deposits | 66.5122% | 4,306 |
| Net loans and leases to core deposits | 68.0142% | 4,471 |
| Total domestic deposits to total assets | 86.5891% | 2,116 |
| Equity capital to assets | 12.9913% | 1,507 |
| Core capital (leverage) ratio | 12.6886% | 1,271 |
| Tier 1 risk-based capital ratio | 19.2523% | 1,639 |
| Total risk-based capital ratio | 20.5087% | 1,600 |
| Memoranda: | ||
| Average total assets | $230,645,000 | 2,674 |
| Average earning assets | $202,087,330 | 2,793 |
| Average equity | $29,693,000 | 2,392 |
| Average total loans | $129,492,000 | 2,936 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6613% | 1,124 |
| Cost of funding earning assets | 0.4416% | 2,673 |
| Net interest margin | 4.2197% | 1,061 |
| Noninterest income to average assets | 0.7827% | 1,685 |
| Noninterest expense to average assets | 2.9718% | 2,475 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0272% | 2,168 |
| Return on assets (ROA) | 1.0447% | 2,217 |
| Pretax return on assets | 1.5601% | 1,404 |
| Return on Equity (ROE) | 8.1532% | 2,828 |
| Retained earnings to average equity (ytd only) | 6.4217% | 2,179 |
| Net charge-offs to loans | 0.1338% | 1,303 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 20.9048% | 1,449 |
| Efficiency ratio | 65.9558% | 3,810 |
| Assets per employee ($millions) | 2.9421% | 5,560 |
| Cash dividends to net income (ytd only)* | 21.2375% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0558% | 743 |
| Loan loss allowance to noncurrent loans | 117.5235% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 1.6929% | 1,146 |
| Noncurrent loans to loans | 1.7493% | 1,270 |
| Net loans and leases to total assets | 54.5803% | 4,394 |
| Net loans and leases to deposits | 62.8919% | 4,516 |
| Net loans and leases to core deposits | 64.3336% | 4,669 |
| Total domestic deposits to total assets | 86.7843% | 2,310 |
| Equity capital to assets | 12.9634% | 1,428 |
| Core capital (leverage) ratio | 12.5390% | 1,324 |
| Tier 1 risk-based capital ratio | 19.8631% | 1,534 |
| Total risk-based capital ratio | 21.1208% | 1,500 |
| Memoranda: | ||
| Average total assets | $228,954,500 | 2,699 |
| Average earning assets | $202,003,500 | 2,802 |
| Average equity | $29,338,000 | 2,411 |
| Average total loans | $125,522,500 | 3,003 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5691% | 1,414 |
| Cost of funding earning assets | 0.4733% | 2,411 |
| Net interest margin | 4.0959% | 1,420 |
| Noninterest income to average assets | 0.7165% | 2,121 |
| Noninterest expense to average assets | 2.9655% | 2,658 |
| Loan and lease loss provision to assets | -0.3143% | 6,070 |
| Net operating income to assets | 1.2272% | 1,459 |
| Return on assets (ROA) | 1.2657% | 1,401 |
| Pretax return on assets | 1.8056% | 798 |
| Return on Equity (ROE) | 10.4461% | 1,828 |
| Retained earnings to average equity (ytd only) | 8.9243% | 668 |
| Net charge-offs to loans | -0.4397% | 6,072 |
| Credit loss provision to net charge-offs | 133.0855% | 1,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3681% | 3,682 |
| Assets per employee ($millions) | 3.0056% | 5,517 |
| Cash dividends to net income (ytd only)* | 14.5682% | 3,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1687% | 623 |
| Loan loss allowance to noncurrent loans | 113.4183% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 1.8264% | 1,034 |
| Noncurrent loans to loans | 1.9121% | 1,115 |
| Net loans and leases to total assets | 52.7490% | 4,628 |
| Net loans and leases to deposits | 60.6042% | 4,728 |
| Net loans and leases to core deposits | 61.9958% | 4,877 |
| Total domestic deposits to total assets | 87.0386% | 2,110 |
| Equity capital to assets | 12.6637% | 1,525 |
| Core capital (leverage) ratio | 12.3291% | 1,434 |
| Tier 1 risk-based capital ratio | 19.6418% | 1,556 |
| Total risk-based capital ratio | 20.8993% | 1,526 |
| Memoranda: | ||
| Average total assets | $227,787,400 | 2,682 |
| Average earning assets | $204,963,000 | 2,733 |
| Average equity | $27,598,800 | 2,496 |
| Average total loans | $122,344,400 | 3,016 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2995% | 2,233 |
| Cost of funding earning assets | 0.4761% | 2,443 |
| Net interest margin | 3.8235% | 2,295 |
| Noninterest income to average assets | 0.7843% | 1,856 |
| Noninterest expense to average assets | 2.9099% | 2,820 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9675% | 2,630 |
| Return on assets (ROA) | 1.0227% | 2,455 |
| Pretax return on assets | 1.4075% | 1,984 |
| Return on Equity (ROE) | 8.5377% | 2,802 |
| Retained earnings to average equity (ytd only) | 6.9876% | 1,693 |
| Net charge-offs to loans | -0.0218% | 5,235 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5998% | 3,434 |
| Assets per employee ($millions) | 2.8934% | 5,658 |
| Cash dividends to net income (ytd only)* | 18.1560% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2225% | 638 |
| Loan loss allowance to noncurrent loans | 97.5850% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 2.1953% | 873 |
| Noncurrent loans to loans | 2.2775% | 944 |
| Net loans and leases to total assets | 55.2213% | 4,440 |
| Net loans and leases to deposits | 63.7443% | 4,579 |
| Net loans and leases to core deposits | 65.2128% | 4,747 |
| Total domestic deposits to total assets | 86.6293% | 2,222 |
| Equity capital to assets | 12.2091% | 1,955 |
| Core capital (leverage) ratio | 11.9739% | 1,688 |
| Tier 1 risk-based capital ratio | 18.0781% | 2,002 |
| Total risk-based capital ratio | 19.3367% | 1,967 |
| Memoranda: | ||
| Average total assets | $227,628,000 | 2,705 |
| Average earning assets | $205,846,750 | 2,733 |
| Average equity | $27,266,750 | 2,537 |
| Average total loans | $122,139,750 | 3,043 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2808% | 2,235 |
| Cost of funding earning assets | 0.4828% | 2,404 |
| Net interest margin | 3.7980% | 2,321 |
| Noninterest income to average assets | 0.8121% | 1,728 |
| Noninterest expense to average assets | 2.8639% | 3,018 |
| Loan and lease loss provision to assets | 0.0009% | 4,063 |
| Net operating income to assets | 1.0268% | 2,250 |
| Return on assets (ROA) | 1.0954% | 2,068 |
| Pretax return on assets | 1.4579% | 1,775 |
| Return on Equity (ROE) | 9.2040% | 2,432 |
| Retained earnings to average equity (ytd only) | 7.6220% | 1,418 |
| Net charge-offs to loans | -0.0384% | 5,433 |
| Credit loss provision to net charge-offs | -4.3478% | 4,670 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6856% | 3,719 |
| Assets per employee ($millions) | 2.8385% | 5,775 |
| Cash dividends to net income (ytd only)* | 17.1888% | 3,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3020% | 629 |
| Loan loss allowance to noncurrent loans | 96.9953% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 2.2036% | 955 |
| Noncurrent loans to loans | 2.3734% | 972 |
| Net loans and leases to total assets | 53.6945% | 4,587 |
| Net loans and leases to deposits | 61.2013% | 4,754 |
| Net loans and leases to core deposits | 63.1433% | 4,864 |
| Total domestic deposits to total assets | 87.7342% | 1,779 |
| Equity capital to assets | 11.9839% | 2,041 |
| Core capital (leverage) ratio | 11.7100% | 1,832 |
| Tier 1 risk-based capital ratio | 18.0091% | 2,062 |
| Total risk-based capital ratio | 19.2687% | 2,018 |
| Memoranda: | ||
| Average total assets | $227,312,330 | 2,723 |
| Average earning assets | $204,633,000 | 2,762 |
| Average equity | $27,053,330 | 2,565 |
| Average total loans | $119,822,670 | 3,084 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2903% | 2,129 |
| Cost of funding earning assets | 0.4903% | 2,379 |
| Net interest margin | 3.8000% | 2,232 |
| Noninterest income to average assets | 0.8847% | 1,439 |
| Noninterest expense to average assets | 2.8651% | 3,018 |
| Loan and lease loss provision to assets | 0.0018% | 3,688 |
| Net operating income to assets | 1.1584% | 1,674 |
| Return on assets (ROA) | 1.3015% | 1,357 |
| Pretax return on assets | 1.5706% | 1,346 |
| Return on Equity (ROE) | 10.9737% | 1,646 |
| Retained earnings to average equity (ytd only) | 9.3425% | 1,087 |
| Net charge-offs to loans | -0.1261% | 5,926 |
| Credit loss provision to net charge-offs | -2.7027% | 4,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1753% | 3,962 |
| Assets per employee ($millions) | 2.9060% | 5,777 |
| Cash dividends to net income (ytd only)* | 14.8649% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4287% | 586 |
| Loan loss allowance to noncurrent loans | 92.9791% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 2.3160% | 964 |
| Noncurrent loans to loans | 2.6121% | 916 |
| Net loans and leases to total assets | 50.5205% | 4,791 |
| Net loans and leases to deposits | 57.6295% | 4,943 |
| Net loans and leases to core deposits | 59.4601% | 5,038 |
| Total domestic deposits to total assets | 87.6644% | 2,002 |
| Equity capital to assets | 11.9418% | 2,069 |
| Core capital (leverage) ratio | 11.6470% | 1,892 |
| Tier 1 risk-based capital ratio | 18.5791% | 1,977 |
| Total risk-based capital ratio | 19.8390% | 1,930 |
| Memoranda: | ||
| Average total assets | $227,429,000 | 2,741 |
| Average earning assets | $202,317,000 | 2,809 |
| Average equity | $26,973,500 | 2,582 |
| Average total loans | $117,358,500 | 3,138 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3661% | 2,340 |
| Cost of funding earning assets | 0.5608% | 2,136 |
| Net interest margin | 3.8054% | 2,609 |
| Noninterest income to average assets | 0.6062% | 2,819 |
| Noninterest expense to average assets | 2.9557% | 2,982 |
| Loan and lease loss provision to assets | 0.0004% | 4,599 |
| Net operating income to assets | 0.8193% | 3,287 |
| Return on assets (ROA) | 0.9345% | 2,794 |
| Pretax return on assets | 1.1754% | 2,757 |
| Return on Equity (ROE) | 8.5251% | 2,823 |
| Retained earnings to average equity (ytd only) | 7.3084% | 1,272 |
| Net charge-offs to loans | -0.1675% | 6,229 |
| Credit loss provision to net charge-offs | -0.5525% | 5,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1246% | 2,812 |
| Assets per employee ($millions) | 2.8161% | 5,913 |
| Cash dividends to net income (ytd only)* | 14.2721% | 4,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4592% | 585 |
| Loan loss allowance to noncurrent loans | 134.4502% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 1.9766% | 1,296 |
| Noncurrent loans to loans | 1.8291% | 1,562 |
| Net loans and leases to total assets | 50.1585% | 4,957 |
| Net loans and leases to deposits | 57.0364% | 5,123 |
| Net loans and leases to core deposits | 58.9943% | 5,200 |
| Total domestic deposits to total assets | 87.9411% | 1,803 |
| Equity capital to assets | 11.7770% | 2,192 |
| Core capital (leverage) ratio | 11.4822% | 1,980 |
| Tier 1 risk-based capital ratio | 19.0693% | 1,825 |
| Total risk-based capital ratio | 20.3301% | 1,789 |
| Memoranda: | ||
| Average total assets | $224,178,400 | 2,741 |
| Average earning assets | $199,193,200 | 2,813 |
| Average equity | $24,574,600 | 2,708 |
| Average total loans | $108,038,600 | 3,266 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3294% | 2,507 |
| Cost of funding earning assets | 0.5762% | 2,052 |
| Net interest margin | 3.7532% | 2,797 |
| Noninterest income to average assets | 0.5431% | 3,244 |
| Noninterest expense to average assets | 3.0006% | 2,795 |
| Loan and lease loss provision to assets | 0.0012% | 4,385 |
| Net operating income to assets | 0.6734% | 4,089 |
| Return on assets (ROA) | 0.8188% | 3,441 |
| Pretax return on assets | 1.0618% | 3,332 |
| Return on Equity (ROE) | 7.6117% | 3,397 |
| Retained earnings to average equity (ytd only) | 6.5156% | 2,096 |
| Net charge-offs to loans | -0.0691% | 6,028 |
| Credit loss provision to net charge-offs | -3.6364% | 5,216 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4397% | 2,279 |
| Assets per employee ($millions) | 2.7246% | 6,058 |
| Cash dividends to net income (ytd only)* | 14.3998% | 3,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4402% | 692 |
| Loan loss allowance to noncurrent loans | 142.3197% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 1.9067% | 1,533 |
| Noncurrent loans to loans | 1.7146% | 1,896 |
| Net loans and leases to total assets | 49.3466% | 5,071 |
| Net loans and leases to deposits | 55.9893% | 5,240 |
| Net loans and leases to core deposits | 57.9293% | 5,336 |
| Total domestic deposits to total assets | 88.1357% | 1,697 |
| Equity capital to assets | 11.4433% | 2,539 |
| Core capital (leverage) ratio | 11.2425% | 2,269 |
| Tier 1 risk-based capital ratio | 19.0975% | 1,885 |
| Total risk-based capital ratio | 20.3579% | 1,844 |
| Memoranda: | ||
| Average total assets | $223,901,500 | 2,767 |
| Average earning assets | $198,761,000 | 2,842 |
| Average equity | $24,085,250 | 2,754 |
| Average total loans | $106,086,000 | 3,329 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2425% | 2,793 |
| Cost of funding earning assets | 0.6041% | 1,868 |
| Net interest margin | 3.6384% | 3,197 |
| Noninterest income to average assets | 0.5423% | 3,191 |
| Noninterest expense to average assets | 3.0022% | 2,821 |
| Loan and lease loss provision to assets | 0.0027% | 4,161 |
| Net operating income to assets | 0.4966% | 4,823 |
| Return on assets (ROA) | 0.6854% | 4,014 |
| Pretax return on assets | 1.0268% | 3,366 |
| Return on Equity (ROE) | 6.5076% | 3,877 |
| Retained earnings to average equity (ytd only) | 5.4357% | 2,680 |
| Net charge-offs to loans | -0.1017% | 6,147 |
| Credit loss provision to net charge-offs | -5.6604% | 5,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0616% | 2,019 |
| Assets per employee ($millions) | 2.8766% | 5,918 |
| Cash dividends to net income (ytd only)* | 16.4721% | 3,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5491% | 672 |
| Loan loss allowance to noncurrent loans | 109.4014% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 2.3073% | 1,286 |
| Noncurrent loans to loans | 2.3300% | 1,386 |
| Net loans and leases to total assets | 46.3962% | 5,324 |
| Net loans and leases to deposits | 52.2677% | 5,483 |
| Net loans and leases to core deposits | 54.0981% | 5,542 |
| Total domestic deposits to total assets | 88.7665% | 1,495 |
| Equity capital to assets | 10.9469% | 2,929 |
| Core capital (leverage) ratio | 10.7808% | 2,641 |
| Tier 1 risk-based capital ratio | 18.9991% | 1,925 |
| Total risk-based capital ratio | 20.2601% | 1,885 |
| Memoranda: | ||
| Average total assets | $224,970,000 | 2,769 |
| Average earning assets | $198,326,330 | 2,855 |
| Average equity | $23,695,330 | 2,777 |
| Average total loans | $104,238,000 | 3,371 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1728% | 2,971 |
| Cost of funding earning assets | 0.6151% | 1,856 |
| Net interest margin | 3.5577% | 3,446 |
| Noninterest income to average assets | 0.4865% | 3,516 |
| Noninterest expense to average assets | 2.9920% | 2,884 |
| Loan and lease loss provision to assets | 0.0036% | 3,775 |
| Net operating income to assets | 0.3932% | 5,141 |
| Return on assets (ROA) | 0.5114% | 4,707 |
| Pretax return on assets | 0.8079% | 4,077 |
| Return on Equity (ROE) | 4.9523% | 4,577 |
| Retained earnings to average equity (ytd only) | 3.5595% | 3,998 |
| Net charge-offs to loans | -0.3031% | 6,481 |
| Credit loss provision to net charge-offs | -2.5641% | 4,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6791% | 1,840 |
| Assets per employee ($millions) | 2.9259% | 5,948 |
| Cash dividends to net income (ytd only)* | 28.1250% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6904% | 632 |
| Loan loss allowance to noncurrent loans | 66.3847% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 3.9755% | 602 |
| Noncurrent loans to loans | 4.0527% | 661 |
| Net loans and leases to total assets | 43.5359% | 5,552 |
| Net loans and leases to deposits | 49.6147% | 5,623 |
| Net loans and leases to core deposits | 51.4393% | 5,653 |
| Total domestic deposits to total assets | 87.7478% | 2,385 |
| Equity capital to assets | 10.3461% | 3,406 |
| Core capital (leverage) ratio | 10.6662% | 2,745 |
| Tier 1 risk-based capital ratio | 18.9185% | 1,987 |
| Total risk-based capital ratio | 20.1797% | 1,950 |
| Memoranda: | ||
| Average total assets | $225,268,000 | 2,774 |
| Average earning assets | $198,330,500 | 2,868 |
| Average equity | $23,262,000 | 2,815 |
| Average total loans | $102,945,000 | 3,411 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4814% | 2,282 |
| Cost of funding earning assets | 0.6803% | 1,956 |
| Net interest margin | 3.8011% | 2,653 |
| Noninterest income to average assets | 0.6617% | 2,746 |
| Noninterest expense to average assets | 2.8654% | 3,477 |
| Loan and lease loss provision to assets | 0.0004% | 5,085 |
| Net operating income to assets | 0.8621% | 2,964 |
| Return on assets (ROA) | 0.8650% | 3,027 |
| Pretax return on assets | 1.1634% | 2,717 |
| Return on Equity (ROE) | 8.4010% | 2,830 |
| Retained earnings to average equity (ytd only) | 7.4310% | 1,260 |
| Net charge-offs to loans | 0.6046% | 1,083 |
| Credit loss provision to net charge-offs | 0.1536% | 4,706 |
| Earnings coverage of net charge-offs (x) | 3.9954% | 3,705 |
| Efficiency ratio | 71.1864% | 3,630 |
| Assets per employee ($millions) | 2.8141% | 6,088 |
| Cash dividends to net income (ytd only)* | 11.5464% | 3,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5697% | 754 |
| Loan loss allowance to noncurrent loans | 55.4700% | 5,029 |
| Noncurrent assets plus other real estate owned to assets | 3.9534% | 682 |
| Noncurrent loans to loans | 4.6327% | 566 |
| Net loans and leases to total assets | 45.4841% | 5,535 |
| Net loans and leases to deposits | 51.8046% | 5,636 |
| Net loans and leases to core deposits | 53.8793% | 5,683 |
| Total domestic deposits to total assets | 87.7993% | 2,308 |
| Equity capital to assets | 10.3061% | 3,390 |
| Core capital (leverage) ratio | 10.6612% | 2,716 |
| Tier 1 risk-based capital ratio | 19.0274% | 1,910 |
| Total risk-based capital ratio | 20.2885% | 1,866 |
| Memoranda: | ||
| Average total assets | $224,265,400 | 2,770 |
| Average earning assets | $198,443,200 | 2,844 |
| Average equity | $23,092,600 | 2,812 |
| Average total loans | $107,677,400 | 3,287 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3831% | 2,643 |
| Cost of funding earning assets | 0.6868% | 2,037 |
| Net interest margin | 3.6963% | 3,046 |
| Noninterest income to average assets | 0.7985% | 2,156 |
| Noninterest expense to average assets | 2.9092% | 3,276 |
| Loan and lease loss provision to assets | 0.0006% | 4,935 |
| Net operating income to assets | 0.8380% | 3,152 |
| Return on assets (ROA) | 0.8359% | 3,288 |
| Pretax return on assets | 1.1615% | 2,846 |
| Return on Equity (ROE) | 8.1193% | 3,064 |
| Retained earnings to average equity (ytd only) | 7.1973% | 1,788 |
| Net charge-offs to loans | 0.1276% | 3,251 |
| Credit loss provision to net charge-offs | 0.9615% | 4,329 |
| Earnings coverage of net charge-offs (x) | 18.8850% | 1,655 |
| Efficiency ratio | 71.4036% | 3,532 |
| Assets per employee ($millions) | 2.7797% | 6,189 |
| Cash dividends to net income (ytd only)* | 11.3557% | 3,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0281% | 539 |
| Loan loss allowance to noncurrent loans | 190.4028% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 2.3550% | 1,670 |
| Noncurrent loans to loans | 1.5904% | 2,785 |
| Net loans and leases to total assets | 46.2843% | 5,520 |
| Net loans and leases to deposits | 52.5272% | 5,671 |
| Net loans and leases to core deposits | 54.5561% | 5,723 |
| Total domestic deposits to total assets | 88.1148% | 2,048 |
| Equity capital to assets | 9.8620% | 4,096 |
| Core capital (leverage) ratio | 10.2558% | 3,314 |
| Tier 1 risk-based capital ratio | 18.1201% | 2,276 |
| Total risk-based capital ratio | 19.3908% | 2,233 |
| Memoranda: | ||
| Average total assets | $224,753,000 | 2,790 |
| Average earning assets | $199,186,000 | 2,863 |
| Average equity | $23,137,750 | 2,836 |
| Average total loans | $108,650,500 | 3,297 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3414% | 2,787 |
| Cost of funding earning assets | 0.6949% | 2,104 |
| Net interest margin | 3.6465% | 3,191 |
| Noninterest income to average assets | 0.8859% | 1,868 |
| Noninterest expense to average assets | 2.9404% | 3,198 |
| Loan and lease loss provision to assets | -0.0018% | 6,561 |
| Net operating income to assets | 0.8821% | 2,886 |
| Return on assets (ROA) | 0.8788% | 3,059 |
| Pretax return on assets | 1.1767% | 2,778 |
| Return on Equity (ROE) | 8.4197% | 2,892 |
| Retained earnings to average equity (ytd only) | 7.6211% | 1,621 |
| Net charge-offs to loans | 0.2028% | 2,541 |
| Credit loss provision to net charge-offs | -1.8018% | 5,423 |
| Earnings coverage of net charge-offs (x) | 11.9820% | 2,016 |
| Efficiency ratio | 71.3732% | 3,584 |
| Assets per employee ($millions) | 2.7492% | 6,225 |
| Cash dividends to net income (ytd only)* | 9.4854% | 3,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9379% | 626 |
| Loan loss allowance to noncurrent loans | 168.4543% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 2.6212% | 1,597 |
| Noncurrent loans to loans | 1.7441% | 2,707 |
| Net loans and leases to total assets | 46.9548% | 5,427 |
| Net loans and leases to deposits | 53.4533% | 5,562 |
| Net loans and leases to core deposits | 55.4205% | 5,642 |
| Total domestic deposits to total assets | 87.8426% | 2,359 |
| Equity capital to assets | 10.2442% | 3,602 |
| Core capital (leverage) ratio | 10.0905% | 3,388 |
| Tier 1 risk-based capital ratio | 17.7757% | 2,402 |
| Total risk-based capital ratio | 19.0418% | 2,364 |
| Memoranda: | ||
| Average total assets | $225,544,670 | 2,787 |
| Average earning assets | $200,025,670 | 2,873 |
| Average equity | $23,540,000 | 2,814 |
| Average total loans | $109,487,330 | 3,282 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3322% | 2,758 |
| Cost of funding earning assets | 0.7087% | 2,134 |
| Net interest margin | 3.6235% | 3,172 |
| Noninterest income to average assets | 0.9521% | 1,607 |
| Noninterest expense to average assets | 2.9805% | 3,049 |
| Loan and lease loss provision to assets | -0.0035% | 6,722 |
| Net operating income to assets | 0.9894% | 2,272 |
| Return on assets (ROA) | 0.9894% | 2,395 |
| Pretax return on assets | 1.1933% | 2,601 |
| Return on Equity (ROE) | 9.3928% | 2,322 |
| Retained earnings to average equity (ytd only) | 9.3928% | 1,272 |
| Net charge-offs to loans | 0.1932% | 2,256 |
| Credit loss provision to net charge-offs | -3.7736% | 4,950 |
| Earnings coverage of net charge-offs (x) | 12.6604% | 1,580 |
| Efficiency ratio | 71.4711% | 3,721 |
| Assets per employee ($millions) | 2.6903% | 6,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0067% | 655 |
| Loan loss allowance to noncurrent loans | 146.2125% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 2.7927% | 1,623 |
| Noncurrent loans to loans | 2.0564% | 2,555 |
| Net loans and leases to total assets | 46.5652% | 5,379 |
| Net loans and leases to deposits | 53.2123% | 5,502 |
| Net loans and leases to core deposits | 55.1110% | 5,593 |
| Total domestic deposits to total assets | 87.5084% | 2,627 |
| Equity capital to assets | 10.6154% | 3,416 |
| Core capital (leverage) ratio | 10.0137% | 3,367 |
| Tier 1 risk-based capital ratio | 17.7030% | 2,479 |
| Total risk-based capital ratio | 18.9694% | 2,439 |
| Memoranda: | ||
| Average total assets | $225,600,000 | 2,816 |
| Average earning assets | $200,358,500 | 2,897 |
| Average equity | $23,763,000 | 2,828 |
| Average total loans | $109,703,000 | 3,291 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6602% | 2,754 |
| Cost of funding earning assets | 0.8515% | 2,281 |
| Net interest margin | 3.8087% | 3,191 |
| Noninterest income to average assets | 0.7136% | 2,649 |
| Noninterest expense to average assets | 2.8840% | 3,703 |
| Loan and lease loss provision to assets | 0.0054% | 5,860 |
| Net operating income to assets | 0.7885% | 3,333 |
| Return on assets (ROA) | 0.9227% | 2,934 |
| Pretax return on assets | 1.3919% | 2,069 |
| Return on Equity (ROE) | 9.2409% | 2,521 |
| Retained earnings to average equity (ytd only) | 9.2409% | 753 |
| Net charge-offs to loans | 0.3108% | 3,091 |
| Credit loss provision to net charge-offs | 3.3426% | 5,463 |
| Earnings coverage of net charge-offs (x) | 7.4290% | 2,605 |
| Efficiency ratio | 70.7213% | 3,672 |
| Assets per employee ($millions) | 2.6811% | 6,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9906% | 671 |
| Loan loss allowance to noncurrent loans | 126.2177% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 3.0677% | 1,537 |
| Noncurrent loans to loans | 2.3694% | 2,267 |
| Net loans and leases to total assets | 47.7750% | 5,433 |
| Net loans and leases to deposits | 54.4941% | 5,607 |
| Net loans and leases to core deposits | 56.4014% | 5,684 |
| Total domestic deposits to total assets | 87.6701% | 2,434 |
| Equity capital to assets | 10.4509% | 3,585 |
| Core capital (leverage) ratio | 9.7816% | 3,682 |
| Tier 1 risk-based capital ratio | 17.0825% | 2,612 |
| Total risk-based capital ratio | 18.3498% | 2,572 |
| Memoranda: | ||
| Average total assets | $223,368,600 | 2,806 |
| Average earning assets | $197,310,400 | 2,871 |
| Average equity | $22,303,000 | 2,938 |
| Average total loans | $115,516,800 | 3,174 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6800% | 2,890 |
| Cost of funding earning assets | 0.8754% | 2,350 |
| Net interest margin | 3.8046% | 3,318 |
| Noninterest income to average assets | 0.6334% | 3,086 |
| Noninterest expense to average assets | 2.9243% | 3,502 |
| Loan and lease loss provision to assets | 0.0012% | 5,784 |
| Net operating income to assets | 0.6643% | 4,068 |
| Return on assets (ROA) | 0.8201% | 3,591 |
| Pretax return on assets | 1.3099% | 2,558 |
| Return on Equity (ROE) | 8.3109% | 3,129 |
| Retained earnings to average equity (ytd only) | 8.3109% | 1,488 |
| Net charge-offs to loans | 0.2663% | 3,123 |
| Credit loss provision to net charge-offs | 0.8584% | 5,152 |
| Earnings coverage of net charge-offs (x) | 7.6609% | 2,575 |
| Efficiency ratio | 73.2544% | 3,110 |
| Assets per employee ($millions) | 2.7772% | 6,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0885% | 662 |
| Loan loss allowance to noncurrent loans | 116.1367% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 3.6652% | 1,354 |
| Noncurrent loans to loans | 2.6593% | 2,131 |
| Net loans and leases to total assets | 47.8867% | 5,557 |
| Net loans and leases to deposits | 54.5944% | 5,758 |
| Net loans and leases to core deposits | 56.5012% | 5,853 |
| Total domestic deposits to total assets | 87.7135% | 2,219 |
| Equity capital to assets | 10.2172% | 4,183 |
| Core capital (leverage) ratio | 9.0759% | 4,956 |
| Tier 1 risk-based capital ratio | 15.4181% | 3,588 |
| Total risk-based capital ratio | 16.6854% | 3,527 |
| Memoranda: | ||
| Average total assets | $222,906,750 | 2,825 |
| Average earning assets | $196,775,250 | 2,905 |
| Average equity | $21,994,500 | 2,994 |
| Average total loans | $116,667,500 | 3,190 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7066% | 2,887 |
| Cost of funding earning assets | 0.9002% | 2,396 |
| Net interest margin | 3.8064% | 3,327 |
| Noninterest income to average assets | 0.5463% | 3,604 |
| Noninterest expense to average assets | 2.8998% | 3,619 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6308% | 4,222 |
| Return on assets (ROA) | 0.8163% | 3,580 |
| Pretax return on assets | 1.3005% | 2,558 |
| Return on Equity (ROE) | 8.3731% | 3,077 |
| Retained earnings to average equity (ytd only) | 8.3731% | 1,490 |
| Net charge-offs to loans | 0.1148% | 4,028 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 16.5147% | 1,589 |
| Efficiency ratio | 74.1542% | 3,050 |
| Assets per employee ($millions) | 2.7865% | 6,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1800% | 657 |
| Loan loss allowance to noncurrent loans | 77.0682% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 4.6739% | 1,038 |
| Noncurrent loans to loans | 4.1262% | 1,328 |
| Net loans and leases to total assets | 49.1145% | 5,468 |
| Net loans and leases to deposits | 55.9168% | 5,655 |
| Net loans and leases to core deposits | 57.9522% | 5,777 |
| Total domestic deposits to total assets | 87.8350% | 2,260 |
| Equity capital to assets | 10.0826% | 4,216 |
| Core capital (leverage) ratio | 8.7634% | 5,276 |
| Tier 1 risk-based capital ratio | 14.8388% | 3,867 |
| Total risk-based capital ratio | 16.1077% | 3,816 |
| Memoranda: | ||
| Average total assets | $222,224,330 | 2,840 |
| Average earning assets | $196,405,000 | 2,918 |
| Average equity | $21,664,670 | 3,022 |
| Average total loans | $118,504,670 | 3,172 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7270% | 2,942 |
| Cost of funding earning assets | 0.9357% | 2,404 |
| Net interest margin | 3.7913% | 3,429 |
| Noninterest income to average assets | 0.4579% | 4,241 |
| Noninterest expense to average assets | 2.8412% | 3,857 |
| Loan and lease loss provision to assets | 0.0018% | 5,240 |
| Net operating income to assets | 0.5966% | 4,353 |
| Return on assets (ROA) | 0.9681% | 2,804 |
| Pretax return on assets | 1.5630% | 1,695 |
| Return on Equity (ROE) | 10.1040% | 2,365 |
| Retained earnings to average equity (ytd only) | 10.1040% | 1,242 |
| Net charge-offs to loans | 0.0132% | 4,514 |
| Credit loss provision to net charge-offs | 25.0000% | 3,709 |
| Earnings coverage of net charge-offs (x) | 136.5000% | 264 |
| Efficiency ratio | 74.2696% | 3,057 |
| Assets per employee ($millions) | 2.9611% | 6,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0522% | 795 |
| Loan loss allowance to noncurrent loans | 119.7971% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 3.7930% | 1,473 |
| Noncurrent loans to loans | 2.5478% | 2,556 |
| Net loans and leases to total assets | 51.6723% | 5,066 |
| Net loans and leases to deposits | 58.4330% | 5,333 |
| Net loans and leases to core deposits | 60.2729% | 5,503 |
| Total domestic deposits to total assets | 88.4300% | 2,049 |
| Equity capital to assets | 9.5349% | 4,749 |
| Core capital (leverage) ratio | 8.5195% | 5,563 |
| Tier 1 risk-based capital ratio | 13.6397% | 4,723 |
| Total risk-based capital ratio | 14.9071% | 4,697 |
| Memoranda: | ||
| Average total assets | $221,877,500 | 2,863 |
| Average earning assets | $197,081,000 | 2,935 |
| Average equity | $21,259,000 | 3,079 |
| Average total loans | $121,216,500 | 3,127 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8892% | 3,412 |
| Cost of funding earning assets | 1.2354% | 1,812 |
| Net interest margin | 3.6538% | 4,501 |
| Noninterest income to average assets | 0.0676% | 6,762 |
| Noninterest expense to average assets | 2.8859% | 4,018 |
| Loan and lease loss provision to assets | 1.7693% | 377 |
| Net operating income to assets | -1.0701% | 6,773 |
| Return on assets (ROA) | -1.0467% | 6,781 |
| Pretax return on assets | -1.3346% | 6,853 |
| Return on Equity (ROE) | -11.1461% | 6,768 |
| Retained earnings to average equity (ytd only) | -11.1461% | 6,735 |
| Net charge-offs to loans | 2.5773% | 438 |
| Credit loss provision to net charge-offs | 119.8302% | 2,664 |
| Earnings coverage of net charge-offs (x) | 0.2741% | 5,624 |
| Efficiency ratio | 87.7007% | 1,379 |
| Assets per employee ($millions) | 2.9161% | 6,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9914% | 820 |
| Loan loss allowance to noncurrent loans | 114.1433% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 4.1850% | 1,351 |
| Noncurrent loans to loans | 2.6207% | 2,494 |
| Net loans and leases to total assets | 54.3286% | 4,988 |
| Net loans and leases to deposits | 61.5035% | 5,311 |
| Net loans and leases to core deposits | 63.7753% | 5,488 |
| Total domestic deposits to total assets | 88.3342% | 1,951 |
| Equity capital to assets | 9.6293% | 4,701 |
| Core capital (leverage) ratio | 8.3570% | 5,769 |
| Tier 1 risk-based capital ratio | 13.0840% | 5,002 |
| Total risk-based capital ratio | 14.3513% | 4,964 |
| Memoranda: | ||
| Average total assets | $223,362,000 | 2,805 |
| Average earning assets | $197,027,000 | 2,890 |
| Average equity | $20,976,000 | 3,014 |
| Average total loans | $127,963,000 | 3,022 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8712% | 3,674 |
| Cost of funding earning assets | 1.2981% | 1,717 |
| Net interest margin | 3.5731% | 4,878 |
| Noninterest income to average assets | -0.1200% | 7,222 |
| Noninterest expense to average assets | 2.8943% | 3,956 |
| Loan and lease loss provision to assets | 2.1693% | 232 |
| Net operating income to assets | -1.9763% | 7,133 |
| Return on assets (ROA) | -1.9383% | 7,139 |
| Pretax return on assets | -1.9947% | 7,123 |
| Return on Equity (ROE) | -20.7678% | 7,103 |
| Retained earnings to average equity (ytd only) | -20.7678% | 7,089 |
| Net charge-offs to loans | 3.5278% | 216 |
| Credit loss provision to net charge-offs | 106.7504% | 3,097 |
| Earnings coverage of net charge-offs (x) | 0.0666% | 5,555 |
| Efficiency ratio | 95.5312% | 844 |
| Assets per employee ($millions) | 2.8971% | 6,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6182% | 1,245 |
| Loan loss allowance to noncurrent loans | 84.9541% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 4.5000% | 1,335 |
| Noncurrent loans to loans | 3.0819% | 2,250 |
| Net loans and leases to total assets | 54.7500% | 5,045 |
| Net loans and leases to deposits | 61.6010% | 5,454 |
| Net loans and leases to core deposits | 63.7562% | 5,644 |
| Total domestic deposits to total assets | 88.8785% | 1,497 |
| Equity capital to assets | 9.1340% | 5,605 |
| Core capital (leverage) ratio | 8.1361% | 6,237 |
| Tier 1 risk-based capital ratio | 12.6455% | 5,372 |
| Total risk-based capital ratio | 13.9085% | 5,346 |
| Memoranda: | ||
| Average total assets | $224,525,500 | 2,796 |
| Average earning assets | $197,920,250 | 2,891 |
| Average equity | $20,955,000 | 3,015 |
| Average total loans | $129,332,500 | 3,020 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8301% | 3,952 |
| Cost of funding earning assets | 1.3905% | 1,460 |
| Net interest margin | 3.4396% | 5,407 |
| Noninterest income to average assets | 0.4593% | 4,203 |
| Noninterest expense to average assets | 2.8348% | 4,290 |
| Loan and lease loss provision to assets | 2.8658% | 165 |
| Net operating income to assets | -2.1315% | 7,211 |
| Return on assets (ROA) | -2.0755% | 7,211 |
| Pretax return on assets | -2.1595% | 7,199 |
| Return on Equity (ROE) | -22.0848% | 7,170 |
| Retained earnings to average equity (ytd only) | -22.0848% | 7,157 |
| Net charge-offs to loans | 4.9367% | 131 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 0.2261% | 5,139 |
| Efficiency ratio | 81.3977% | 2,187 |
| Assets per employee ($millions) | 2.9225% | 6,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4039% | 1,583 |
| Loan loss allowance to noncurrent loans | 70.1632% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 5.3415% | 1,124 |
| Noncurrent loans to loans | 3.4261% | 2,069 |
| Net loans and leases to total assets | 55.0193% | 5,145 |
| Net loans and leases to deposits | 62.0029% | 5,503 |
| Net loans and leases to core deposits | 63.6330% | 5,764 |
| Total domestic deposits to total assets | 88.7367% | 1,700 |
| Equity capital to assets | 9.2260% | 5,239 |
| Core capital (leverage) ratio | 8.2663% | 5,920 |
| Tier 1 risk-based capital ratio | 12.7123% | 5,168 |
| Total risk-based capital ratio | 13.9723% | 5,131 |
| Memoranda: | ||
| Average total assets | $225,975,000 | 2,793 |
| Average earning assets | $198,628,670 | 2,889 |
| Average equity | $21,236,330 | 2,965 |
| Average total loans | $131,180,670 | 3,019 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6966% | 4,541 |
| Cost of funding earning assets | 1.5250% | 1,071 |
| Net interest margin | 3.1716% | 6,162 |
| Noninterest income to average assets | 0.4827% | 4,025 |
| Noninterest expense to average assets | 2.7853% | 4,507 |
| Loan and lease loss provision to assets | 2.0868% | 262 |
| Net operating income to assets | -1.4304% | 7,174 |
| Return on assets (ROA) | -1.4304% | 7,178 |
| Pretax return on assets | -1.5971% | 7,193 |
| Return on Equity (ROE) | -15.0867% | 7,149 |
| Retained earnings to average equity (ytd only) | -15.0867% | 7,049 |
| Net charge-offs to loans | 4.2515% | 204 |
| Credit loss provision to net charge-offs | 83.3801% | 3,081 |
| Earnings coverage of net charge-offs (x) | 0.1957% | 4,466 |
| Efficiency ratio | 85.0482% | 1,833 |
| Assets per employee ($millions) | 3.0675% | 6,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1088% | 2,169 |
| Loan loss allowance to noncurrent loans | 33.8129% | 6,044 |
| Noncurrent assets plus other real estate owned to assets | 7.0817% | 750 |
| Noncurrent loans to loans | 6.2366% | 989 |
| Net loans and leases to total assets | 55.9526% | 4,996 |
| Net loans and leases to deposits | 62.9950% | 5,384 |
| Net loans and leases to core deposits | 64.8405% | 5,636 |
| Total domestic deposits to total assets | 88.8207% | 1,882 |
| Equity capital to assets | 9.2820% | 4,761 |
| Core capital (leverage) ratio | 8.6183% | 5,237 |
| Tier 1 risk-based capital ratio | 12.1898% | 5,520 |
| Total risk-based capital ratio | 13.4452% | 5,510 |
| Memoranda: | ||
| Average total assets | $227,907,000 | 2,791 |
| Average earning assets | $200,655,000 | 2,879 |
| Average equity | $21,608,500 | 2,911 |
| Average total loans | $134,164,000 | 3,004 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9461% | 4,801 |
| Cost of funding earning assets | 1.7527% | 1,371 |
| Net interest margin | 3.1934% | 6,282 |
| Noninterest income to average assets | 0.1950% | 6,381 |
| Noninterest expense to average assets | 2.8386% | 4,440 |
| Loan and lease loss provision to assets | 1.2059% | 1,296 |
| Net operating income to assets | -0.5290% | 6,403 |
| Return on assets (ROA) | -0.4621% | 6,393 |
| Pretax return on assets | -0.9160% | 6,584 |
| Return on Equity (ROE) | -4.5820% | 6,398 |
| Retained earnings to average equity (ytd only) | -5.1688% | 6,322 |
| Net charge-offs to loans | 1.5416% | 1,425 |
| Credit loss provision to net charge-offs | 125.6689% | 3,241 |
| Earnings coverage of net charge-offs (x) | 0.1932% | 5,915 |
| Efficiency ratio | 93.8696% | 1,068 |
| Assets per employee ($millions) | 2.9705% | 6,168 |
| Cash dividends to net income (ytd only)* | -12.8060% | 7,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1998% | 1,865 |
| Loan loss allowance to noncurrent loans | 46.4005% | 5,225 |
| Noncurrent assets plus other real estate owned to assets | 6.0415% | 982 |
| Noncurrent loans to loans | 4.7409% | 1,467 |
| Net loans and leases to total assets | 59.2771% | 4,794 |
| Net loans and leases to deposits | 68.9188% | 4,966 |
| Net loans and leases to core deposits | 70.9181% | 5,343 |
| Total domestic deposits to total assets | 86.0101% | 3,353 |
| Equity capital to assets | 9.6844% | 4,159 |
| Core capital (leverage) ratio | 9.1211% | 4,314 |
| Tier 1 risk-based capital ratio | 12.6578% | 4,887 |
| Total risk-based capital ratio | 13.9152% | 4,859 |
| Memoranda: | ||
| Average total assets | $229,795,600 | 2,761 |
| Average earning assets | $203,573,400 | 2,826 |
| Average equity | $23,177,400 | 2,740 |
| Average total loans | $143,037,200 | 2,886 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9634% | 4,978 |
| Cost of funding earning assets | 1.7824% | 1,494 |
| Net interest margin | 3.1811% | 6,408 |
| Noninterest income to average assets | 0.0451% | 7,296 |
| Noninterest expense to average assets | 2.8202% | 4,405 |
| Loan and lease loss provision to assets | 1.1022% | 1,319 |
| Net operating income to assets | -0.5503% | 6,630 |
| Return on assets (ROA) | -0.4616% | 6,609 |
| Pretax return on assets | -0.9179% | 6,810 |
| Return on Equity (ROE) | -4.5321% | 6,611 |
| Retained earnings to average equity (ytd only) | -5.3035% | 6,580 |
| Net charge-offs to loans | 1.5058% | 1,333 |
| Credit loss provision to net charge-offs | 116.8402% | 3,559 |
| Earnings coverage of net charge-offs (x) | 0.0484% | 5,979 |
| Efficiency ratio | 98.4076% | 809 |
| Assets per employee ($millions) | 2.9911% | 6,168 |
| Cash dividends to net income (ytd only)* | -17.0213% | 7,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9520% | 2,345 |
| Loan loss allowance to noncurrent loans | 36.1858% | 5,920 |
| Noncurrent assets plus other real estate owned to assets | 5.9532% | 1,007 |
| Noncurrent loans to loans | 5.3945% | 1,246 |
| Net loans and leases to total assets | 59.2980% | 5,040 |
| Net loans and leases to deposits | 69.1649% | 5,256 |
| Net loans and leases to core deposits | 71.2629% | 5,608 |
| Total domestic deposits to total assets | 85.7342% | 3,228 |
| Equity capital to assets | 9.9495% | 4,222 |
| Core capital (leverage) ratio | 9.7122% | 3,607 |
| Tier 1 risk-based capital ratio | 13.5351% | 4,176 |
| Total risk-based capital ratio | 14.7899% | 4,124 |
| Memoranda: | ||
| Average total assets | $230,805,750 | 2,774 |
| Average earning assets | $204,665,000 | 2,859 |
| Average equity | $23,506,000 | 2,749 |
| Average total loans | $144,588,750 | 2,900 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0090% | 4,908 |
| Cost of funding earning assets | 1.8141% | 1,593 |
| Net interest margin | 3.1949% | 6,332 |
| Noninterest income to average assets | 0.3697% | 5,182 |
| Noninterest expense to average assets | 2.7960% | 4,497 |
| Loan and lease loss provision to assets | 1.0971% | 1,306 |
| Net operating income to assets | -0.3065% | 6,479 |
| Return on assets (ROA) | -0.3065% | 6,522 |
| Pretax return on assets | -0.6823% | 6,712 |
| Return on Equity (ROE) | -2.9870% | 6,515 |
| Retained earnings to average equity (ytd only) | -3.7464% | 6,413 |
| Net charge-offs to loans | 2.0170% | 901 |
| Credit loss provision to net charge-offs | 85.8401% | 4,550 |
| Earnings coverage of net charge-offs (x) | 0.3245% | 5,404 |
| Efficiency ratio | 87.0820% | 1,593 |
| Assets per employee ($millions) | 2.9881% | 6,162 |
| Cash dividends to net income (ytd only)* | -25.4237% | 7,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5944% | 3,472 |
| Loan loss allowance to noncurrent loans | 45.0332% | 5,310 |
| Noncurrent assets plus other real estate owned to assets | 6.0916% | 956 |
| Noncurrent loans to loans | 3.5406% | 2,232 |
| Net loans and leases to total assets | 60.7400% | 4,922 |
| Net loans and leases to deposits | 71.1882% | 5,120 |
| Net loans and leases to core deposits | 73.6336% | 5,483 |
| Total domestic deposits to total assets | 85.3231% | 3,454 |
| Equity capital to assets | 10.3457% | 3,589 |
| Core capital (leverage) ratio | 9.7496% | 3,470 |
| Tier 1 risk-based capital ratio | 13.4175% | 4,126 |
| Total risk-based capital ratio | 14.3924% | 4,285 |
| Memoranda: | ||
| Average total assets | $230,970,000 | 2,795 |
| Average earning assets | $205,390,000 | 2,872 |
| Average equity | $23,703,000 | 2,720 |
| Average total loans | $146,355,000 | 2,894 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9282% | 5,315 |
| Cost of funding earning assets | 1.8265% | 1,765 |
| Net interest margin | 3.1017% | 6,587 |
| Noninterest income to average assets | 0.5118% | 3,957 |
| Noninterest expense to average assets | 2.7908% | 4,513 |
| Loan and lease loss provision to assets | 0.5856% | 2,162 |
| Net operating income to assets | 0.0567% | 6,140 |
| Return on assets (ROA) | 0.0567% | 6,252 |
| Pretax return on assets | -0.0910% | 6,456 |
| Return on Equity (ROE) | 0.5545% | 6,251 |
| Retained earnings to average equity (ytd only) | -0.2016% | 5,874 |
| Net charge-offs to loans | 0.1151% | 4,288 |
| Credit loss provision to net charge-offs | 793.0233% | 574 |
| Earnings coverage of net charge-offs (x) | 6.6977% | 2,185 |
| Efficiency ratio | 84.9451% | 1,914 |
| Assets per employee ($millions) | 2.9772% | 6,264 |
| Cash dividends to net income (ytd only)* | 136.3636% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8653% | 2,538 |
| Loan loss allowance to noncurrent loans | 42.1328% | 5,543 |
| Noncurrent assets plus other real estate owned to assets | 6.1446% | 956 |
| Noncurrent loans to loans | 4.4272% | 1,699 |
| Net loans and leases to total assets | 61.3358% | 4,888 |
| Net loans and leases to deposits | 71.6763% | 5,093 |
| Net loans and leases to core deposits | 74.3996% | 5,457 |
| Total domestic deposits to total assets | 85.5734% | 3,375 |
| Equity capital to assets | 10.1396% | 3,685 |
| Core capital (leverage) ratio | 9.9943% | 3,168 |
| Tier 1 risk-based capital ratio | 13.2456% | 4,173 |
| Total risk-based capital ratio | 14.4996% | 4,113 |
| Memoranda: | ||
| Average total assets | $232,905,500 | 2,840 |
| Average earning assets | $208,271,000 | 2,895 |
| Average equity | $23,807,000 | 2,739 |
| Average total loans | $149,445,000 | 2,913 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2307% | 5,509 |
| Cost of funding earning assets | 2.0534% | 2,705 |
| Net interest margin | 3.1773% | 6,167 |
| Noninterest income to average assets | 0.5483% | 4,039 |
| Noninterest expense to average assets | 2.9863% | 4,203 |
| Loan and lease loss provision to assets | 0.7421% | 2,883 |
| Net operating income to assets | -0.2353% | 5,882 |
| Return on assets (ROA) | -0.2023% | 5,835 |
| Pretax return on assets | -0.2579% | 5,785 |
| Return on Equity (ROE) | -1.8839% | 5,840 |
| Retained earnings to average equity (ytd only) | -5.2377% | 6,055 |
| Net charge-offs to loans | 1.0446% | 2,320 |
| Credit loss provision to net charge-offs | 104.3777% | 5,298 |
| Earnings coverage of net charge-offs (x) | 0.6216% | 5,476 |
| Efficiency ratio | 87.1077% | 1,977 |
| Assets per employee ($millions) | 2.8471% | 6,567 |
| Cash dividends to net income (ytd only)* | -178.0220% | 7,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6091% | 3,247 |
| Loan loss allowance to noncurrent loans | 40.0853% | 5,738 |
| Noncurrent assets plus other real estate owned to assets | 5.6115% | 1,036 |
| Noncurrent loans to loans | 4.0141% | 1,848 |
| Net loans and leases to total assets | 64.8027% | 4,415 |
| Net loans and leases to deposits | 75.8422% | 4,768 |
| Net loans and leases to core deposits | 95.1200% | 4,558 |
| Total domestic deposits to total assets | 85.4441% | 3,323 |
| Equity capital to assets | 10.3055% | 3,397 |
| Core capital (leverage) ratio | 10.1134% | 2,986 |
| Tier 1 risk-based capital ratio | 13.0819% | 4,090 |
| Total risk-based capital ratio | 14.3340% | 4,037 |
| Memoranda: | ||
| Average total assets | $224,894,200 | 2,878 |
| Average earning assets | $203,854,800 | 2,922 |
| Average equity | $24,151,600 | 2,702 |
| Average total loans | $153,073,600 | 2,874 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3646% | 5,113 |
| Cost of funding earning assets | 2.0705% | 3,033 |
| Net interest margin | 3.2941% | 5,662 |
| Noninterest income to average assets | 0.4827% | 4,644 |
| Noninterest expense to average assets | 3.0334% | 3,914 |
| Loan and lease loss provision to assets | 0.3461% | 4,251 |
| Net operating income to assets | -0.0393% | 5,778 |
| Return on assets (ROA) | -0.0030% | 5,776 |
| Pretax return on assets | 0.1539% | 5,403 |
| Return on Equity (ROE) | -0.0275% | 5,778 |
| Retained earnings to average equity (ytd only) | -3.4806% | 6,029 |
| Net charge-offs to loans | 0.7581% | 2,464 |
| Credit loss provision to net charge-offs | 66.5138% | 6,056 |
| Earnings coverage of net charge-offs (x) | 0.8521% | 5,207 |
| Efficiency ratio | 87.2490% | 1,940 |
| Assets per employee ($millions) | 2.7428% | 6,750 |
| Cash dividends to net income (ytd only)* | -12,553.3733% | 8,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3478% | 4,218 |
| Loan loss allowance to noncurrent loans | 124.0763% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 3.3352% | 2,022 |
| Noncurrent loans to loans | 1.0863% | 5,135 |
| Net loans and leases to total assets | 69.4508% | 3,623 |
| Net loans and leases to deposits | 82.4799% | 3,924 |
| Net loans and leases to core deposits | 104.1008% | 3,921 |
| Total domestic deposits to total assets | 84.2034% | 3,627 |
| Equity capital to assets | 11.1717% | 2,851 |
| Core capital (leverage) ratio | 10.8292% | 2,544 |
| Tier 1 risk-based capital ratio | 13.7330% | 3,695 |
| Total risk-based capital ratio | 14.9394% | 3,671 |
| Memoranda: | ||
| Average total assets | $223,464,250 | 2,910 |
| Average earning assets | $203,103,250 | 2,947 |
| Average equity | $24,248,000 | 2,712 |
| Average total loans | $153,370,000 | 2,896 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3176% | 5,575 |
| Cost of funding earning assets | 2.0667% | 3,441 |
| Net interest margin | 3.2509% | 5,732 |
| Noninterest income to average assets | 0.2464% | 6,520 |
| Noninterest expense to average assets | 2.9812% | 4,156 |
| Loan and lease loss provision to assets | 0.2998% | 4,163 |
| Net operating income to assets | -0.2397% | 6,247 |
| Return on assets (ROA) | -0.1850% | 6,187 |
| Pretax return on assets | 0.0329% | 5,809 |
| Return on Equity (ROE) | -1.7219% | 6,177 |
| Retained earnings to average equity (ytd only) | -5.4140% | 6,358 |
| Net charge-offs to loans | 0.2484% | 3,955 |
| Credit loss provision to net charge-offs | 177.3684% | 2,584 |
| Earnings coverage of net charge-offs (x) | 1.4632% | 4,437 |
| Efficiency ratio | 92.3395% | 1,616 |
| Assets per employee ($millions) | 2.6687% | 6,906 |
| Cash dividends to net income (ytd only)* | -214.4231% | 8,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6253% | 2,635 |
| Loan loss allowance to noncurrent loans | 78.6338% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 3.9151% | 1,536 |
| Noncurrent loans to loans | 2.0669% | 3,426 |
| Net loans and leases to total assets | 70.5916% | 3,550 |
| Net loans and leases to deposits | 83.7333% | 3,936 |
| Net loans and leases to core deposits | 103.6679% | 4,096 |
| Total domestic deposits to total assets | 84.3054% | 3,592 |
| Equity capital to assets | 11.0139% | 2,911 |
| Core capital (leverage) ratio | 10.4024% | 2,901 |
| Tier 1 risk-based capital ratio | 13.9520% | 3,546 |
| Total risk-based capital ratio | 15.2047% | 3,480 |
| Memoranda: | ||
| Average total assets | $224,812,330 | 2,917 |
| Average earning assets | $206,219,000 | 2,917 |
| Average equity | $24,159,670 | 2,735 |
| Average total loans | $153,003,000 | 2,927 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3246% | 5,788 |
| Cost of funding earning assets | 2.1195% | 3,559 |
| Net interest margin | 3.2051% | 5,841 |
| Noninterest income to average assets | 0.9636% | 1,592 |
| Noninterest expense to average assets | 2.8001% | 4,561 |
| Loan and lease loss provision to assets | 0.1658% | 4,807 |
| Net operating income to assets | 0.6581% | 3,762 |
| Return on assets (ROA) | 0.6581% | 3,940 |
| Pretax return on assets | 0.9200% | 3,644 |
| Return on Equity (ROE) | 6.1967% | 3,957 |
| Retained earnings to average equity (ytd only) | 1.8574% | 4,824 |
| Net charge-offs to loans | 0.0395% | 4,945 |
| Credit loss provision to net charge-offs | 633.3333% | 906 |
| Earnings coverage of net charge-offs (x) | 41.4667% | 820 |
| Efficiency ratio | 72.0575% | 4,187 |
| Assets per employee ($millions) | 2.8140% | 6,605 |
| Cash dividends to net income (ytd only)* | 70.0265% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6114% | 2,471 |
| Loan loss allowance to noncurrent loans | 451.9337% | 774 |
| Noncurrent assets plus other real estate owned to assets | 2.5595% | 2,241 |
| Noncurrent loans to loans | 0.3566% | 6,540 |
| Net loans and leases to total assets | 65.7376% | 4,648 |
| Net loans and leases to deposits | 77.4415% | 5,014 |
| Net loans and leases to core deposits | 94.0036% | 5,149 |
| Total domestic deposits to total assets | 84.8867% | 3,261 |
| Equity capital to assets | 10.7049% | 3,284 |
| Core capital (leverage) ratio | 10.5763% | 2,841 |
| Tier 1 risk-based capital ratio | 14.3518% | 3,398 |
| Total risk-based capital ratio | 15.6041% | 3,317 |
| Memoranda: | ||
| Average total assets | $229,137,000 | 2,878 |
| Average earning assets | $208,916,500 | 2,897 |
| Average equity | $24,335,500 | 2,727 |
| Average total loans | $151,947,500 | 2,972 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9412% | 5,845 |
| Cost of funding earning assets | 2.7140% | 3,097 |
| Net interest margin | 3.2273% | 6,280 |
| Noninterest income to average assets | 0.9360% | 1,829 |
| Noninterest expense to average assets | 3.2633% | 3,099 |
| Loan and lease loss provision to assets | 0.0756% | 6,456 |
| Net operating income to assets | 0.4697% | 4,871 |
| Return on assets (ROA) | 0.4825% | 4,635 |
| Pretax return on assets | 0.5903% | 4,719 |
| Return on Equity (ROE) | 4.5234% | 4,588 |
| Retained earnings to average equity (ytd only) | -0.1593% | 5,325 |
| Net charge-offs to loans | 0.3779% | 2,948 |
| Credit loss provision to net charge-offs | 30.3957% | 6,522 |
| Earnings coverage of net charge-offs (x) | 2.6151% | 4,783 |
| Efficiency ratio | 83.3848% | 2,126 |
| Assets per employee ($millions) | 2.8437% | 6,463 |
| Cash dividends to net income (ytd only)* | 103.5218% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5659% | 2,371 |
| Loan loss allowance to noncurrent loans | 86.7056% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 2.6248% | 1,819 |
| Noncurrent loans to loans | 1.8060% | 3,051 |
| Net loans and leases to total assets | 64.7863% | 5,109 |
| Net loans and leases to deposits | 76.1191% | 5,580 |
| Net loans and leases to core deposits | 92.7834% | 5,561 |
| Total domestic deposits to total assets | 85.1117% | 2,792 |
| Equity capital to assets | 10.5369% | 3,454 |
| Core capital (leverage) ratio | 10.5868% | 2,916 |
| Tier 1 risk-based capital ratio | 14.2128% | 3,441 |
| Total risk-based capital ratio | 15.4645% | 3,358 |
| Memoranda: | ||
| Average total assets | $223,608,600 | 2,833 |
| Average earning assets | $206,304,200 | 2,815 |
| Average equity | $23,853,600 | 2,749 |
| Average total loans | $147,145,400 | 2,976 |