Home > First Central State Bank > Performance and Condition Ratios
First Central State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3369% | 3,381 |
| Cost of funding earning assets | 1.4460% | 2,085 |
| Net interest margin | 2.8909% | 3,508 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 1.9099% | 3,816 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.0711% | 2,008 |
| Return on assets (ROA) | 1.0739% | 1,967 |
| Pretax return on assets | 1.3461% | 1,748 |
| Return on Equity (ROE) | 10.5500% | 2,348 |
| Retained earnings to average equity (ytd only) | 8.1386% | 1,493 |
| Net charge-offs to loans | 0.0401% | 1,512 |
| Credit loss provision to net charge-offs | 43.3735% | 2,221 |
| Earnings coverage of net charge-offs (x) | 56.6807% | 1,222 |
| Efficiency ratio | 58.0928% | 3,289 |
| Assets per employee ($millions) | 7.7381% | 1,567 |
| Cash dividends to net income (ytd only)* | 22.8252% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2735% | 1,908 |
| Loan loss allowance to noncurrent loans | 1,929.8561% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.0404% | 3,346 |
| Noncurrent loans to loans | 0.0660% | 3,239 |
| Net loans and leases to total assets | 60.3900% | 2,813 |
| Net loans and leases to deposits | 77.5905% | 2,306 |
| Net loans and leases to core deposits | 80.9712% | 2,654 |
| Total domestic deposits to total assets | 77.8300% | 3,750 |
| Equity capital to assets | 10.9923% | 1,484 |
| Core capital (leverage) ratio | 13.2288% | 991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $682,915,000 | 1,329 |
| Average earning assets | $648,065,000 | 1,305 |
| Average equity | $69,544,800 | 1,252 |
| Average total loans | $413,844,200 | 1,441 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2728% | 3,339 |
| Cost of funding earning assets | 1.3378% | 2,038 |
| Net interest margin | 2.9350% | 3,466 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 1.9082% | 3,789 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.0992% | 2,060 |
| Return on assets (ROA) | 1.1011% | 2,034 |
| Pretax return on assets | 1.3809% | 1,821 |
| Return on Equity (ROE) | 11.0300% | 2,367 |
| Retained earnings to average equity (ytd only) | 9.3932% | 1,578 |
| Net charge-offs to loans | 0.0236% | 1,611 |
| Credit loss provision to net charge-offs | -21.9178% | 4,484 |
| Earnings coverage of net charge-offs (x) | 98.9863% | 921 |
| Efficiency ratio | 57.4415% | 3,270 |
| Assets per employee ($millions) | 7.8620% | 1,422 |
| Cash dividends to net income (ytd only)* | 14.8721% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3075% | 1,833 |
| Loan loss allowance to noncurrent loans | 1,622.3565% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.0534% | 3,269 |
| Noncurrent loans to loans | 0.0806% | 3,184 |
| Net loans and leases to total assets | 59.9500% | 2,852 |
| Net loans and leases to deposits | 75.9864% | 2,418 |
| Net loans and leases to core deposits | 79.4196% | 2,644 |
| Total domestic deposits to total assets | 78.9000% | 3,709 |
| Equity capital to assets | 9.8535% | 1,910 |
| Core capital (leverage) ratio | 13.0785% | 1,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $681,470,500 | 1,333 |
| Average earning assets | $646,204,000 | 1,304 |
| Average equity | $68,005,250 | 1,267 |
| Average total loans | $411,985,000 | 1,441 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1819% | 3,337 |
| Cost of funding earning assets | 1.2127% | 1,945 |
| Net interest margin | 2.9692% | 3,512 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 1.8968% | 3,829 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.1216% | 2,053 |
| Return on assets (ROA) | 1.1237% | 2,045 |
| Pretax return on assets | 1.4118% | 1,782 |
| Return on Equity (ROE) | 11.2100% | 2,370 |
| Retained earnings to average equity (ytd only) | 8.7693% | 1,742 |
| Net charge-offs to loans | 0.0116% | 1,759 |
| Credit loss provision to net charge-offs | -316.6667% | 4,583 |
| Earnings coverage of net charge-offs (x) | 205.5833% | 591 |
| Efficiency ratio | 56.7724% | 3,325 |
| Assets per employee ($millions) | 7.7290% | 1,454 |
| Cash dividends to net income (ytd only)* | 21.8026% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3231% | 1,824 |
| Loan loss allowance to noncurrent loans | 1,391.9481% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.0566% | 3,204 |
| Noncurrent loans to loans | 0.0951% | 3,024 |
| Net loans and leases to total assets | 58.7600% | 2,889 |
| Net loans and leases to deposits | 74.7219% | 2,426 |
| Net loans and leases to core deposits | 77.3746% | 2,666 |
| Total domestic deposits to total assets | 78.6400% | 3,767 |
| Equity capital to assets | 10.1919% | 1,749 |
| Core capital (leverage) ratio | 12.7491% | 1,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $683,248,667 | 1,322 |
| Average earning assets | $648,467,000 | 1,299 |
| Average equity | $68,466,000 | 1,258 |
| Average total loans | $412,405,667 | 1,426 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0871% | 3,272 |
| Cost of funding earning assets | 1.0861% | 1,789 |
| Net interest margin | 3.0010% | 3,595 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 1.8552% | 3,939 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.1735% | 2,010 |
| Return on assets (ROA) | 1.1735% | 1,975 |
| Pretax return on assets | 1.4784% | 1,715 |
| Return on Equity (ROE) | 11.8100% | 2,266 |
| Retained earnings to average equity (ytd only) | 11.8110% | 1,305 |
| Net charge-offs to loans | 0.0077% | 1,660 |
| Credit loss provision to net charge-offs | -5,700.0000% | 4,683 |
| Earnings coverage of net charge-offs (x) | 323.8750% | 346 |
| Efficiency ratio | 55.0720% | 3,498 |
| Assets per employee ($millions) | 7.8207% | 1,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2953% | 2,054 |
| Loan loss allowance to noncurrent loans | 1,925.7246% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.0406% | 3,379 |
| Noncurrent loans to loans | 0.0673% | 3,252 |
| Net loans and leases to total assets | 59.5300% | 2,711 |
| Net loans and leases to deposits | 76.0948% | 2,107 |
| Net loans and leases to core deposits | 78.4944% | 2,355 |
| Total domestic deposits to total assets | 78.2300% | 3,982 |
| Equity capital to assets | 10.3740% | 1,628 |
| Core capital (leverage) ratio | 12.5905% | 1,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $684,795,500 | 1,339 |
| Average earning assets | $650,041,500 | 1,314 |
| Average equity | $68,038,500 | 1,274 |
| Average total loans | $416,086,000 | 1,429 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4360% | 3,246 |
| Cost of funding earning assets | 0.5901% | 940 |
| Net interest margin | 2.8459% | 3,802 |
| Noninterest income to average assets | 0.5600% | 1,824 |
| Noninterest expense to average assets | 1.8308% | 3,969 |
| Loan and lease loss provision to assets | -0.0300% | 4,361 |
| Net operating income to assets | 1.1509% | 1,970 |
| Return on assets (ROA) | 1.1099% | 2,061 |
| Pretax return on assets | 1.4129% | 1,731 |
| Return on Equity (ROE) | 11.4200% | 2,333 |
| Retained earnings to average equity (ytd only) | 8.9729% | 1,486 |
| Net charge-offs to loans | 0.0128% | 1,905 |
| Credit loss provision to net charge-offs | -339.6226% | 4,620 |
| Earnings coverage of net charge-offs (x) | 191.0755% | 669 |
| Efficiency ratio | 55.9868% | 3,588 |
| Assets per employee ($millions) | 8.2046% | 1,232 |
| Cash dividends to net income (ytd only)* | 21.4341% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2649% | 2,071 |
| Loan loss allowance to noncurrent loans | 1,193.7360% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.0675% | 3,122 |
| Noncurrent loans to loans | 0.1060% | 3,006 |
| Net loans and leases to total assets | 60.4300% | 2,601 |
| Net loans and leases to deposits | 78.0704% | 1,941 |
| Net loans and leases to core deposits | 80.2459% | 2,118 |
| Total domestic deposits to total assets | 77.4100% | 4,138 |
| Equity capital to assets | 9.5027% | 2,010 |
| Core capital (leverage) ratio | 12.3083% | 1,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $703,639,600 | 1,304 |
| Average earning assets | $669,671,400 | 1,276 |
| Average equity | $68,383,600 | 1,275 |
| Average total loans | $412,930,800 | 1,353 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2878% | 3,213 |
| Cost of funding earning assets | 0.5044% | 743 |
| Net interest margin | 2.7835% | 3,769 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 1.8096% | 3,972 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.0762% | 2,182 |
| Return on assets (ROA) | 1.0751% | 2,149 |
| Pretax return on assets | 1.3609% | 1,848 |
| Return on Equity (ROE) | 11.0000% | 2,379 |
| Retained earnings to average equity (ytd only) | 9.3882% | 1,521 |
| Net charge-offs to loans | -0.0097% | 3,702 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.4481% | 3,573 |
| Assets per employee ($millions) | 7.8185% | 1,419 |
| Cash dividends to net income (ytd only)* | 14.6765% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3624% | 1,752 |
| Loan loss allowance to noncurrent loans | 1,561.8919% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.0544% | 3,341 |
| Noncurrent loans to loans | 0.0872% | 3,254 |
| Net loans and leases to total assets | 61.5100% | 2,347 |
| Net loans and leases to deposits | 78.1854% | 1,692 |
| Net loans and leases to core deposits | 80.0741% | 1,899 |
| Total domestic deposits to total assets | 78.6700% | 4,207 |
| Equity capital to assets | 8.9270% | 2,260 |
| Core capital (leverage) ratio | 11.8374% | 1,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $707,252,000 | 1,308 |
| Average earning assets | $673,579,750 | 1,277 |
| Average equity | $69,106,500 | 1,278 |
| Average total loans | $410,704,250 | 1,353 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1252% | 3,244 |
| Cost of funding earning assets | 0.4405% | 728 |
| Net interest margin | 2.6848% | 3,728 |
| Noninterest income to average assets | 0.5635% | 1,886 |
| Noninterest expense to average assets | 1.7946% | 3,967 |
| Loan and lease loss provision to assets | 0.0335% | 1,984 |
| Net operating income to assets | 1.0268% | 2,061 |
| Return on assets (ROA) | 1.0250% | 2,038 |
| Pretax return on assets | 1.2962% | 1,767 |
| Return on Equity (ROE) | 10.2112% | 2,262 |
| Retained earnings to average equity (ytd only) | 7.8830% | 1,664 |
| Net charge-offs to loans | -0.0143% | 3,744 |
| Credit loss provision to net charge-offs | -413.7931% | 3,344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3993% | 3,635 |
| Assets per employee ($millions) | 7.7730% | 1,431 |
| Cash dividends to net income (ytd only)* | 22.8003% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4018% | 1,740 |
| Loan loss allowance to noncurrent loans | 1,532.9759% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 3,460 |
| Noncurrent loans to loans | 0.0914% | 3,310 |
| Net loans and leases to total assets | 56.8596% | 2,659 |
| Net loans and leases to deposits | 71.2524% | 2,087 |
| Net loans and leases to core deposits | 72.9981% | 2,239 |
| Total domestic deposits to total assets | 79.8003% | 4,244 |
| Equity capital to assets | 9.3635% | 2,118 |
| Core capital (leverage) ratio | 11.3056% | 1,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $716,267,333 | 1,295 |
| Average earning assets | $683,787,000 | 1,273 |
| Average equity | $71,901,333 | 1,268 |
| Average total loans | $406,216,333 | 1,356 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0173% | 3,202 |
| Cost of funding earning assets | 0.4266% | 746 |
| Net interest margin | 2.5907% | 3,682 |
| Noninterest income to average assets | 0.5217% | 2,034 |
| Noninterest expense to average assets | 1.7876% | 3,968 |
| Loan and lease loss provision to assets | 0.0333% | 1,767 |
| Net operating income to assets | 0.9362% | 2,126 |
| Return on assets (ROA) | 0.9341% | 2,130 |
| Pretax return on assets | 1.1755% | 1,893 |
| Return on Equity (ROE) | 9.0077% | 2,319 |
| Retained earnings to average equity (ytd only) | 9.0077% | 1,272 |
| Net charge-offs to loans | -0.0109% | 3,618 |
| Credit loss provision to net charge-offs | -545.4545% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6040% | 3,525 |
| Assets per employee ($millions) | 8.0039% | 1,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3863% | 1,963 |
| Loan loss allowance to noncurrent loans | 996.4664% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.0929% | 3,157 |
| Noncurrent loans to loans | 0.1391% | 3,113 |
| Net loans and leases to total assets | 56.3195% | 2,502 |
| Net loans and leases to deposits | 72.5861% | 1,739 |
| Net loans and leases to core deposits | 74.6697% | 1,882 |
| Total domestic deposits to total assets | 77.5899% | 4,432 |
| Equity capital to assets | 9.9036% | 1,971 |
| Core capital (leverage) ratio | 10.9468% | 1,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $720,728,000 | 1,293 |
| Average earning assets | $689,223,500 | 1,267 |
| Average equity | $74,736,000 | 1,261 |
| Average total loans | $405,368,500 | 1,354 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3901% | 2,948 |
| Cost of funding earning assets | 0.5052% | 912 |
| Net interest margin | 2.8848% | 3,482 |
| Noninterest income to average assets | 0.6320% | 2,016 |
| Noninterest expense to average assets | 1.9407% | 3,834 |
| Loan and lease loss provision to assets | 0.0347% | 2,362 |
| Net operating income to assets | 1.1352% | 2,160 |
| Return on assets (ROA) | 1.1370% | 2,205 |
| Pretax return on assets | 1.4307% | 1,945 |
| Return on Equity (ROE) | 10.2025% | 2,457 |
| Retained earnings to average equity (ytd only) | 8.0321% | 1,528 |
| Net charge-offs to loans | 0.0302% | 1,637 |
| Credit loss provision to net charge-offs | 200.0000% | 1,300 |
| Earnings coverage of net charge-offs (x) | 84.3917% | 965 |
| Efficiency ratio | 57.0143% | 3,578 |
| Assets per employee ($millions) | 8.0122% | 1,322 |
| Cash dividends to net income (ytd only)* | 21.2734% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3788% | 2,007 |
| Loan loss allowance to noncurrent loans | 454.9837% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.1788% | 2,687 |
| Noncurrent loans to loans | 0.3030% | 2,503 |
| Net loans and leases to total assets | 54.6335% | 2,776 |
| Net loans and leases to deposits | 70.8001% | 2,037 |
| Net loans and leases to core deposits | 72.9775% | 2,167 |
| Total domestic deposits to total assets | 77.1659% | 4,457 |
| Equity capital to assets | 10.8248% | 1,922 |
| Core capital (leverage) ratio | 10.7172% | 1,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $692,112,000 | 1,296 |
| Average earning assets | $665,028,800 | 1,268 |
| Average equity | $77,128,000 | 1,242 |
| Average total loans | $397,410,000 | 1,383 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4171% | 3,056 |
| Cost of funding earning assets | 0.5217% | 942 |
| Net interest margin | 2.8954% | 3,564 |
| Noninterest income to average assets | 0.6299% | 2,099 |
| Noninterest expense to average assets | 1.9611% | 3,787 |
| Loan and lease loss provision to assets | 0.0351% | 2,298 |
| Net operating income to assets | 1.1274% | 2,449 |
| Return on assets (ROA) | 1.1289% | 2,504 |
| Pretax return on assets | 1.4195% | 2,255 |
| Return on Equity (ROE) | 10.0538% | 2,721 |
| Retained earnings to average equity (ytd only) | 8.5984% | 1,837 |
| Net charge-offs to loans | 0.0394% | 1,305 |
| Credit loss provision to net charge-offs | 153.8462% | 1,344 |
| Earnings coverage of net charge-offs (x) | 63.5897% | 1,108 |
| Efficiency ratio | 57.4468% | 3,359 |
| Assets per employee ($millions) | 7.7994% | 1,377 |
| Cash dividends to net income (ytd only)* | 14.4760% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4103% | 1,981 |
| Loan loss allowance to noncurrent loans | 444.1579% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.1903% | 2,845 |
| Noncurrent loans to loans | 0.3175% | 2,640 |
| Net loans and leases to total assets | 55.5098% | 2,785 |
| Net loans and leases to deposits | 72.3781% | 2,013 |
| Net loans and leases to core deposits | 74.6036% | 2,180 |
| Total domestic deposits to total assets | 76.6941% | 4,510 |
| Equity capital to assets | 11.3321% | 1,779 |
| Core capital (leverage) ratio | 10.9207% | 1,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $682,863,500 | 1,322 |
| Average earning assets | $656,563,750 | 1,294 |
| Average equity | $76,679,000 | 1,270 |
| Average total loans | $395,786,250 | 1,415 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3959% | 3,193 |
| Cost of funding earning assets | 0.5355% | 1,009 |
| Net interest margin | 2.8603% | 3,655 |
| Noninterest income to average assets | 0.6117% | 2,161 |
| Noninterest expense to average assets | 1.9228% | 3,913 |
| Loan and lease loss provision to assets | 0.0353% | 2,285 |
| Net operating income to assets | 1.1203% | 2,464 |
| Return on assets (ROA) | 1.1203% | 2,537 |
| Pretax return on assets | 1.4077% | 2,311 |
| Return on Equity (ROE) | 10.0082% | 2,735 |
| Retained earnings to average equity (ytd only) | 7.8060% | 2,148 |
| Net charge-offs to loans | 0.0357% | 1,285 |
| Credit loss provision to net charge-offs | 169.0141% | 1,118 |
| Earnings coverage of net charge-offs (x) | 69.0141% | 903 |
| Efficiency ratio | 57.1266% | 3,388 |
| Assets per employee ($millions) | 7.9437% | 1,237 |
| Cash dividends to net income (ytd only)* | 22.0032% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3814% | 2,054 |
| Loan loss allowance to noncurrent loans | 451.0254% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.1837% | 3,041 |
| Noncurrent loans to loans | 0.3063% | 2,828 |
| Net loans and leases to total assets | 55.5189% | 2,958 |
| Net loans and leases to deposits | 71.5717% | 2,249 |
| Net loans and leases to core deposits | 73.6338% | 2,445 |
| Total domestic deposits to total assets | 77.5710% | 4,468 |
| Equity capital to assets | 10.9190% | 2,049 |
| Core capital (leverage) ratio | 10.6339% | 1,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $679,101,333 | 1,326 |
| Average earning assets | $653,912,000 | 1,296 |
| Average equity | $76,018,000 | 1,271 |
| Average total loans | $397,437,333 | 1,419 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3597% | 3,310 |
| Cost of funding earning assets | 0.5521% | 1,085 |
| Net interest margin | 2.8076% | 3,749 |
| Noninterest income to average assets | 0.5677% | 2,337 |
| Noninterest expense to average assets | 1.9141% | 3,957 |
| Loan and lease loss provision to assets | 0.0361% | 2,298 |
| Net operating income to assets | 1.0554% | 2,616 |
| Return on assets (ROA) | 1.0554% | 2,698 |
| Pretax return on assets | 1.3176% | 2,521 |
| Return on Equity (ROE) | 9.3068% | 2,920 |
| Retained earnings to average equity (ytd only) | 9.3068% | 1,857 |
| Net charge-offs to loans | 0.0886% | 751 |
| Credit loss provision to net charge-offs | 68.1818% | 1,255 |
| Earnings coverage of net charge-offs (x) | 25.5795% | 1,153 |
| Efficiency ratio | 58.5756% | 3,222 |
| Assets per employee ($millions) | 7.6834% | 1,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3516% | 2,190 |
| Loan loss allowance to noncurrent loans | 890.1478% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.1152% | 3,591 |
| Noncurrent loans to loans | 0.1518% | 3,567 |
| Net loans and leases to total assets | 58.5169% | 2,738 |
| Net loans and leases to deposits | 75.9723% | 1,915 |
| Net loans and leases to core deposits | 78.6829% | 2,123 |
| Total domestic deposits to total assets | 77.0240% | 4,514 |
| Equity capital to assets | 11.1313% | 1,767 |
| Core capital (leverage) ratio | 11.0024% | 1,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $665,157,000 | 1,335 |
| Average earning assets | $639,702,500 | 1,306 |
| Average equity | $75,429,000 | 1,268 |
| Average total loans | $397,150,500 | 1,423 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9006% | 3,026 |
| Cost of funding earning assets | 0.7827% | 1,284 |
| Net interest margin | 3.1179% | 3,587 |
| Noninterest income to average assets | 0.5706% | 2,332 |
| Noninterest expense to average assets | 1.9982% | 4,144 |
| Loan and lease loss provision to assets | 0.1847% | 2,106 |
| Net operating income to assets | 1.0929% | 1,954 |
| Return on assets (ROA) | 1.0929% | 2,073 |
| Pretax return on assets | 1.3785% | 1,729 |
| Return on Equity (ROE) | 9.1006% | 2,354 |
| Retained earnings to average equity (ytd only) | 6.8025% | 1,458 |
| Net charge-offs to loans | 0.0386% | 2,279 |
| Credit loss provision to net charge-offs | 741.7219% | 967 |
| Earnings coverage of net charge-offs (x) | 62.7881% | 1,048 |
| Efficiency ratio | 56.1085% | 3,976 |
| Assets per employee ($millions) | 7.5193% | 1,265 |
| Cash dividends to net income (ytd only)* | 25.2527% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3857% | 2,021 |
| Loan loss allowance to noncurrent loans | 316.9866% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.2794% | 2,898 |
| Noncurrent loans to loans | 0.4372% | 2,661 |
| Net loans and leases to total assets | 59.2770% | 2,951 |
| Net loans and leases to deposits | 76.2689% | 2,257 |
| Net loans and leases to core deposits | 78.8705% | 2,470 |
| Total domestic deposits to total assets | 77.7210% | 4,349 |
| Equity capital to assets | 11.5557% | 1,843 |
| Core capital (leverage) ratio | 11.1411% | 1,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $606,546,000 | 1,317 |
| Average earning assets | $581,807,000 | 1,293 |
| Average equity | $72,841,400 | 1,254 |
| Average total loans | $391,086,200 | 1,396 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0839% | 2,719 |
| Cost of funding earning assets | 0.8421% | 1,297 |
| Net interest margin | 3.2418% | 3,359 |
| Noninterest income to average assets | 0.5711% | 2,302 |
| Noninterest expense to average assets | 2.0736% | 4,001 |
| Loan and lease loss provision to assets | 0.2376% | 1,709 |
| Net operating income to assets | 1.0841% | 2,039 |
| Return on assets (ROA) | 1.0841% | 2,165 |
| Pretax return on assets | 1.3664% | 1,831 |
| Return on Equity (ROE) | 8.9345% | 2,420 |
| Retained earnings to average equity (ytd only) | 7.3878% | 1,543 |
| Net charge-offs to loans | 0.0512% | 1,876 |
| Credit loss provision to net charge-offs | 706.6667% | 1,065 |
| Earnings coverage of net charge-offs (x) | 47.6933% | 1,229 |
| Efficiency ratio | 56.3834% | 3,876 |
| Assets per employee ($millions) | 7.2577% | 1,348 |
| Cash dividends to net income (ytd only)* | 17.3113% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3638% | 1,904 |
| Loan loss allowance to noncurrent loans | 503.7383% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.2144% | 3,371 |
| Noncurrent loans to loans | 0.2707% | 3,323 |
| Net loans and leases to total assets | 63.9415% | 2,778 |
| Net loans and leases to deposits | 82.9762% | 2,023 |
| Net loans and leases to core deposits | 86.1867% | 2,286 |
| Total domestic deposits to total assets | 77.0601% | 4,317 |
| Equity capital to assets | 12.2418% | 1,557 |
| Core capital (leverage) ratio | 11.4928% | 1,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $594,638,000 | 1,322 |
| Average earning assets | $569,839,250 | 1,298 |
| Average equity | $72,153,000 | 1,246 |
| Average total loans | $390,551,250 | 1,385 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3018% | 2,465 |
| Cost of funding earning assets | 0.9152% | 1,300 |
| Net interest margin | 3.3866% | 3,145 |
| Noninterest income to average assets | 0.5603% | 2,299 |
| Noninterest expense to average assets | 2.1230% | 3,980 |
| Loan and lease loss provision to assets | 0.3392% | 1,261 |
| Net operating income to assets | 1.0674% | 2,081 |
| Return on assets (ROA) | 1.0674% | 2,203 |
| Pretax return on assets | 1.3439% | 1,888 |
| Return on Equity (ROE) | 8.8242% | 2,439 |
| Retained earnings to average equity (ytd only) | 6.4772% | 1,874 |
| Net charge-offs to loans | 0.0442% | 1,861 |
| Credit loss provision to net charge-offs | 1,162.7907% | 715 |
| Earnings coverage of net charge-offs (x) | 57.6977% | 1,000 |
| Efficiency ratio | 55.7793% | 3,969 |
| Assets per employee ($millions) | 6.5358% | 1,752 |
| Cash dividends to net income (ytd only)* | 26.5968% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3496% | 1,779 |
| Loan loss allowance to noncurrent loans | 218.9123% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.4692% | 2,442 |
| Noncurrent loans to loans | 0.6165% | 2,317 |
| Net loans and leases to total assets | 64.8651% | 2,772 |
| Net loans and leases to deposits | 83.8972% | 2,007 |
| Net loans and leases to core deposits | 87.2864% | 2,322 |
| Total domestic deposits to total assets | 77.3150% | 4,279 |
| Equity capital to assets | 11.9970% | 1,662 |
| Core capital (leverage) ratio | 11.2558% | 1,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $589,634,333 | 1,312 |
| Average earning assets | $565,107,000 | 1,283 |
| Average equity | $71,326,667 | 1,245 |
| Average total loans | $388,998,667 | 1,359 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1312% | 3,431 |
| Cost of funding earning assets | 1.0421% | 1,249 |
| Net interest margin | 3.0890% | 4,120 |
| Noninterest income to average assets | 0.5595% | 2,233 |
| Noninterest expense to average assets | 2.1160% | 4,186 |
| Loan and lease loss provision to assets | 0.0758% | 2,778 |
| Net operating income to assets | 1.0542% | 1,988 |
| Return on assets (ROA) | 1.0542% | 2,087 |
| Pretax return on assets | 1.3270% | 1,793 |
| Return on Equity (ROE) | 8.6772% | 2,247 |
| Retained earnings to average equity (ytd only) | 8.6772% | 1,059 |
| Net charge-offs to loans | 0.0073% | 2,307 |
| Credit loss provision to net charge-offs | 1,571.4286% | 410 |
| Earnings coverage of net charge-offs (x) | 290.8571% | 245 |
| Efficiency ratio | 60.1332% | 3,721 |
| Assets per employee ($millions) | 6.5451% | 1,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2063% | 2,635 |
| Loan loss allowance to noncurrent loans | 202.6979% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.4401% | 2,703 |
| Noncurrent loans to loans | 0.5951% | 2,516 |
| Net loans and leases to total assets | 65.1644% | 2,915 |
| Net loans and leases to deposits | 85.1963% | 2,093 |
| Net loans and leases to core deposits | 89.9415% | 2,351 |
| Total domestic deposits to total assets | 76.4873% | 4,425 |
| Equity capital to assets | 12.4322% | 1,775 |
| Core capital (leverage) ratio | 11.8654% | 1,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $580,537,000 | 1,290 |
| Average earning assets | $556,164,500 | 1,256 |
| Average equity | $70,529,500 | 1,251 |
| Average total loans | $383,666,500 | 1,347 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3889% | 3,282 |
| Cost of funding earning assets | 1.1728% | 1,085 |
| Net interest margin | 3.2161% | 4,151 |
| Noninterest income to average assets | 0.6112% | 2,169 |
| Noninterest expense to average assets | 2.1127% | 4,337 |
| Loan and lease loss provision to assets | 0.1043% | 1,979 |
| Net operating income to assets | 1.1630% | 2,206 |
| Return on assets (ROA) | 1.1630% | 2,300 |
| Pretax return on assets | 1.4712% | 1,898 |
| Return on Equity (ROE) | 9.8209% | 2,378 |
| Retained earnings to average equity (ytd only) | 6.3247% | 1,707 |
| Net charge-offs to loans | 0.0829% | 1,928 |
| Credit loss provision to net charge-offs | 182.0988% | 1,444 |
| Earnings coverage of net charge-offs (x) | 27.4969% | 1,663 |
| Efficiency ratio | 56.9120% | 4,100 |
| Assets per employee ($millions) | 6.8036% | 1,127 |
| Cash dividends to net income (ytd only)* | 35.5991% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1563% | 2,666 |
| Loan loss allowance to noncurrent loans | 551.0455% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.1795% | 3,756 |
| Noncurrent loans to loans | 0.2098% | 3,710 |
| Net loans and leases to total assets | 65.4487% | 3,019 |
| Net loans and leases to deposits | 83.4409% | 2,395 |
| Net loans and leases to core deposits | 88.1162% | 2,589 |
| Total domestic deposits to total assets | 78.4372% | 4,288 |
| Equity capital to assets | 11.8703% | 2,223 |
| Core capital (leverage) ratio | 11.6787% | 1,977 |
| Tier 1 risk-based capital ratio | 14.4206% | 3,062 |
| Total risk-based capital ratio | 15.4095% | 3,098 |
| Memoranda: | ||
| Average total assets | $565,449,800 | 1,279 |
| Average earning assets | $540,996,200 | 1,255 |
| Average equity | $66,959,400 | 1,266 |
| Average total loans | $390,713,000 | 1,293 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4367% | 3,245 |
| Cost of funding earning assets | 1.1995% | 1,042 |
| Net interest margin | 3.2373% | 4,218 |
| Noninterest income to average assets | 0.6046% | 2,181 |
| Noninterest expense to average assets | 2.1260% | 4,316 |
| Loan and lease loss provision to assets | 0.1094% | 1,778 |
| Net operating income to assets | 1.1582% | 2,334 |
| Return on assets (ROA) | 1.1582% | 2,425 |
| Pretax return on assets | 1.4648% | 2,062 |
| Return on Equity (ROE) | 9.7863% | 2,522 |
| Retained earnings to average equity (ytd only) | 8.1040% | 1,351 |
| Net charge-offs to loans | 0.0790% | 1,693 |
| Credit loss provision to net charge-offs | 198.2759% | 1,322 |
| Earnings coverage of net charge-offs (x) | 28.5255% | 1,682 |
| Efficiency ratio | 57.0198% | 4,061 |
| Assets per employee ($millions) | 6.4034% | 1,327 |
| Cash dividends to net income (ytd only)* | 17.1903% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1422% | 2,817 |
| Loan loss allowance to noncurrent loans | 587.5661% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.2045% | 3,752 |
| Noncurrent loans to loans | 0.1944% | 3,841 |
| Net loans and leases to total assets | 70.6361% | 2,384 |
| Net loans and leases to deposits | 92.4110% | 1,386 |
| Net loans and leases to core deposits | 97.6320% | 1,851 |
| Total domestic deposits to total assets | 76.4368% | 4,592 |
| Equity capital to assets | 12.7291% | 1,768 |
| Core capital (leverage) ratio | 11.9598% | 1,877 |
| Tier 1 risk-based capital ratio | 14.4903% | 3,077 |
| Total risk-based capital ratio | 15.4816% | 3,108 |
| Memoranda: | ||
| Average total assets | $560,535,000 | 1,297 |
| Average earning assets | $535,994,750 | 1,266 |
| Average equity | $66,335,750 | 1,273 |
| Average total loans | $391,534,750 | 1,301 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3743% | 3,403 |
| Cost of funding earning assets | 1.1973% | 1,009 |
| Net interest margin | 3.1770% | 4,408 |
| Noninterest income to average assets | 0.5576% | 2,352 |
| Noninterest expense to average assets | 2.0967% | 4,424 |
| Loan and lease loss provision to assets | 0.1096% | 1,706 |
| Net operating income to assets | 1.1015% | 2,517 |
| Return on assets (ROA) | 1.1015% | 2,586 |
| Pretax return on assets | 1.3906% | 2,236 |
| Return on Equity (ROE) | 9.5389% | 2,612 |
| Retained earnings to average equity (ytd only) | 6.9775% | 1,816 |
| Net charge-offs to loans | 0.0082% | 2,850 |
| Credit loss provision to net charge-offs | 1,937.5000% | 197 |
| Earnings coverage of net charge-offs (x) | 265.3125% | 304 |
| Efficiency ratio | 57.8503% | 4,034 |
| Assets per employee ($millions) | 6.3691% | 1,299 |
| Cash dividends to net income (ytd only)* | 26.8527% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 2,749 |
| Loan loss allowance to noncurrent loans | 405.7606% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.2005% | 3,776 |
| Noncurrent loans to loans | 0.2855% | 3,511 |
| Net loans and leases to total assets | 69.4177% | 2,613 |
| Net loans and leases to deposits | 89.7097% | 1,775 |
| Net loans and leases to core deposits | 95.3407% | 2,128 |
| Total domestic deposits to total assets | 77.3804% | 4,510 |
| Equity capital to assets | 12.1308% | 2,094 |
| Core capital (leverage) ratio | 11.4447% | 2,212 |
| Tier 1 risk-based capital ratio | 14.0216% | 3,308 |
| Total risk-based capital ratio | 15.0221% | 3,331 |
| Memoranda: | ||
| Average total assets | $565,950,000 | 1,284 |
| Average earning assets | $541,390,670 | 1,251 |
| Average equity | $65,353,330 | 1,284 |
| Average total loans | $392,410,670 | 1,301 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2440% | 3,732 |
| Cost of funding earning assets | 1.1537% | 1,035 |
| Net interest margin | 3.0903% | 4,608 |
| Noninterest income to average assets | 0.5309% | 2,380 |
| Noninterest expense to average assets | 2.0445% | 4,568 |
| Loan and lease loss provision to assets | 0.1119% | 1,585 |
| Net operating income to assets | 1.0583% | 2,631 |
| Return on assets (ROA) | 1.0583% | 2,673 |
| Pretax return on assets | 1.3346% | 2,313 |
| Return on Equity (ROE) | 9.3945% | 2,631 |
| Retained earnings to average equity (ytd only) | 9.3945% | 1,193 |
| Net charge-offs to loans | -0.0213% | 4,514 |
| Credit loss provision to net charge-offs | -761.9048% | 3,890 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1046% | 4,062 |
| Assets per employee ($millions) | 6.5358% | 1,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1203% | 3,019 |
| Loan loss allowance to noncurrent loans | 361.7284% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.2398% | 3,666 |
| Noncurrent loans to loans | 0.3097% | 3,460 |
| Net loans and leases to total assets | 69.0130% | 2,619 |
| Net loans and leases to deposits | 89.7395% | 1,663 |
| Net loans and leases to core deposits | 95.7367% | 1,950 |
| Total domestic deposits to total assets | 76.9037% | 4,662 |
| Equity capital to assets | 11.6867% | 2,247 |
| Core capital (leverage) ratio | 11.2914% | 2,303 |
| Tier 1 risk-based capital ratio | 13.4902% | 3,606 |
| Total risk-based capital ratio | 14.4405% | 3,688 |
| Memoranda: | ||
| Average total assets | $571,869,000 | 1,280 |
| Average earning assets | $547,781,000 | 1,241 |
| Average equity | $64,421,000 | 1,293 |
| Average total loans | $394,036,000 | 1,295 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2626% | 3,233 |
| Cost of funding earning assets | 0.9277% | 1,002 |
| Net interest margin | 3.3349% | 4,166 |
| Noninterest income to average assets | 0.6098% | 2,238 |
| Noninterest expense to average assets | 2.0591% | 4,637 |
| Loan and lease loss provision to assets | 0.1043% | 2,106 |
| Net operating income to assets | 1.2804% | 1,876 |
| Return on assets (ROA) | 1.2804% | 1,872 |
| Pretax return on assets | 1.6345% | 1,361 |
| Return on Equity (ROE) | 11.7049% | 1,818 |
| Retained earnings to average equity (ytd only) | 9.5941% | 712 |
| Net charge-offs to loans | 0.0846% | 1,937 |
| Credit loss provision to net charge-offs | 172.1311% | 1,627 |
| Earnings coverage of net charge-offs (x) | 28.7008% | 1,643 |
| Efficiency ratio | 53.6284% | 4,647 |
| Assets per employee ($millions) | 7.5674% | 776 |
| Cash dividends to net income (ytd only)* | 18.0337% | 3,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 2,780 |
| Loan loss allowance to noncurrent loans | 648.1973% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.1557% | 4,047 |
| Noncurrent loans to loans | 0.1787% | 3,954 |
| Net loans and leases to total assets | 68.7826% | 2,767 |
| Net loans and leases to deposits | 88.1013% | 2,028 |
| Net loans and leases to core deposits | 94.3564% | 2,196 |
| Total domestic deposits to total assets | 78.0721% | 4,482 |
| Equity capital to assets | 10.8984% | 2,793 |
| Core capital (leverage) ratio | 11.3648% | 2,209 |
| Tier 1 risk-based capital ratio | 13.3503% | 3,630 |
| Total risk-based capital ratio | 14.3578% | 3,674 |
| Memoranda: | ||
| Average total assets | $402,753,600 | 1,704 |
| Average earning assets | $385,019,200 | 1,650 |
| Average equity | $44,058,400 | 1,696 |
| Average total loans | $288,381,800 | 1,644 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2610% | 3,116 |
| Cost of funding earning assets | 0.8858% | 978 |
| Net interest margin | 3.3752% | 4,083 |
| Noninterest income to average assets | 0.6007% | 2,303 |
| Noninterest expense to average assets | 2.0622% | 4,618 |
| Loan and lease loss provision to assets | 0.1006% | 1,984 |
| Net operating income to assets | 1.3011% | 1,851 |
| Return on assets (ROA) | 1.3011% | 1,852 |
| Pretax return on assets | 1.6613% | 1,376 |
| Return on Equity (ROE) | 11.8820% | 1,832 |
| Retained earnings to average equity (ytd only) | 10.4577% | 778 |
| Net charge-offs to loans | 0.0828% | 1,695 |
| Credit loss provision to net charge-offs | 168.5393% | 1,580 |
| Earnings coverage of net charge-offs (x) | 29.5109% | 1,627 |
| Efficiency ratio | 53.3287% | 4,675 |
| Assets per employee ($millions) | 6.7532% | 1,047 |
| Cash dividends to net income (ytd only)* | 11.9875% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1811% | 2,736 |
| Loan loss allowance to noncurrent loans | 636.7424% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.2236% | 3,825 |
| Noncurrent loans to loans | 0.1855% | 4,055 |
| Net loans and leases to total assets | 71.8121% | 2,357 |
| Net loans and leases to deposits | 93.4277% | 1,443 |
| Net loans and leases to core deposits | 100.9551% | 1,704 |
| Total domestic deposits to total assets | 76.8639% | 4,667 |
| Equity capital to assets | 11.4548% | 2,300 |
| Core capital (leverage) ratio | 11.4240% | 2,226 |
| Tier 1 risk-based capital ratio | 13.4495% | 3,655 |
| Total risk-based capital ratio | 14.4675% | 3,692 |
| Memoranda: | ||
| Average total assets | $397,498,000 | 1,729 |
| Average earning assets | $379,619,000 | 1,681 |
| Average equity | $43,526,750 | 1,715 |
| Average total loans | $286,752,250 | 1,656 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2013% | 3,108 |
| Cost of funding earning assets | 0.8504% | 914 |
| Net interest margin | 3.3509% | 4,105 |
| Noninterest income to average assets | 0.5843% | 2,410 |
| Noninterest expense to average assets | 2.0509% | 4,702 |
| Loan and lease loss provision to assets | 0.0901% | 2,123 |
| Net operating income to assets | 1.2888% | 1,822 |
| Return on assets (ROA) | 1.2888% | 1,820 |
| Pretax return on assets | 1.6453% | 1,355 |
| Return on Equity (ROE) | 11.9499% | 1,745 |
| Retained earnings to average equity (ytd only) | 9.7911% | 988 |
| Net charge-offs to loans | -0.0021% | 3,952 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5705% | 4,736 |
| Assets per employee ($millions) | 6.6236% | 1,120 |
| Cash dividends to net income (ytd only)* | 18.0653% | 3,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1947% | 2,756 |
| Loan loss allowance to noncurrent loans | 1,069.6875% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.2141% | 3,926 |
| Noncurrent loans to loans | 0.1117% | 4,409 |
| Net loans and leases to total assets | 71.2354% | 2,402 |
| Net loans and leases to deposits | 91.5343% | 1,639 |
| Net loans and leases to core deposits | 98.6050% | 1,847 |
| Total domestic deposits to total assets | 77.8237% | 4,618 |
| Equity capital to assets | 11.0310% | 2,612 |
| Core capital (leverage) ratio | 10.9570% | 2,565 |
| Tier 1 risk-based capital ratio | 12.9991% | 3,894 |
| Total risk-based capital ratio | 14.0323% | 3,921 |
| Memoranda: | ||
| Average total assets | $399,435,330 | 1,728 |
| Average earning assets | $381,692,330 | 1,683 |
| Average equity | $43,080,000 | 1,740 |
| Average total loans | $287,456,330 | 1,655 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0893% | 3,270 |
| Cost of funding earning assets | 0.7968% | 967 |
| Net interest margin | 3.2926% | 4,208 |
| Noninterest income to average assets | 0.5714% | 2,418 |
| Noninterest expense to average assets | 2.0937% | 4,672 |
| Loan and lease loss provision to assets | 0.1199% | 1,575 |
| Net operating income to assets | 1.1857% | 2,072 |
| Return on assets (ROA) | 1.1857% | 2,082 |
| Pretax return on assets | 1.5073% | 1,672 |
| Return on Equity (ROE) | 11.1193% | 1,916 |
| Retained earnings to average equity (ytd only) | 11.1193% | 867 |
| Net charge-offs to loans | 0.0111% | 2,350 |
| Credit loss provision to net charge-offs | 1,500.0000% | 238 |
| Earnings coverage of net charge-offs (x) | 203.6250% | 334 |
| Efficiency ratio | 55.6510% | 4,630 |
| Assets per employee ($millions) | 6.6333% | 1,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1581% | 3,051 |
| Loan loss allowance to noncurrent loans | 1,054.0881% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.2284% | 3,958 |
| Noncurrent loans to loans | 0.1099% | 4,481 |
| Net loans and leases to total assets | 71.8849% | 2,190 |
| Net loans and leases to deposits | 95.3044% | 1,094 |
| Net loans and leases to core deposits | 102.7160% | 1,462 |
| Total domestic deposits to total assets | 75.4266% | 5,026 |
| Equity capital to assets | 10.8031% | 2,767 |
| Core capital (leverage) ratio | 10.8675% | 2,570 |
| Tier 1 risk-based capital ratio | 12.4821% | 4,248 |
| Total risk-based capital ratio | 13.4753% | 4,313 |
| Memoranda: | ||
| Average total assets | $400,445,500 | 1,738 |
| Average earning assets | $383,044,000 | 1,684 |
| Average equity | $42,700,500 | 1,765 |
| Average total loans | $287,923,000 | 1,668 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0803% | 3,128 |
| Cost of funding earning assets | 0.6887% | 1,083 |
| Net interest margin | 3.3916% | 3,876 |
| Noninterest income to average assets | 0.7169% | 1,894 |
| Noninterest expense to average assets | 2.1289% | 4,696 |
| Loan and lease loss provision to assets | 0.1115% | 2,033 |
| Net operating income to assets | 1.0483% | 2,058 |
| Return on assets (ROA) | 1.0480% | 2,091 |
| Pretax return on assets | 1.7070% | 985 |
| Return on Equity (ROE) | 9.6041% | 2,052 |
| Retained earnings to average equity (ytd only) | 7.3412% | 969 |
| Net charge-offs to loans | 0.0758% | 2,367 |
| Credit loss provision to net charge-offs | 206.8966% | 1,323 |
| Earnings coverage of net charge-offs (x) | 33.7488% | 1,425 |
| Efficiency ratio | 53.3190% | 5,009 |
| Assets per employee ($millions) | 6.7149% | 1,096 |
| Cash dividends to net income (ytd only)* | 23.5622% | 3,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1313% | 3,181 |
| Loan loss allowance to noncurrent loans | 684.9894% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.2584% | 3,842 |
| Noncurrent loans to loans | 0.1652% | 4,269 |
| Net loans and leases to total assets | 70.2801% | 2,485 |
| Net loans and leases to deposits | 91.0305% | 1,645 |
| Net loans and leases to core deposits | 97.8445% | 1,868 |
| Total domestic deposits to total assets | 77.2050% | 4,838 |
| Equity capital to assets | 10.5251% | 3,145 |
| Core capital (leverage) ratio | 10.8065% | 2,532 |
| Tier 1 risk-based capital ratio | 12.2319% | 4,376 |
| Total risk-based capital ratio | 13.2001% | 4,449 |
| Memoranda: | ||
| Average total assets | $376,623,600 | 1,800 |
| Average earning assets | $358,801,000 | 1,757 |
| Average equity | $41,097,000 | 1,813 |
| Average total loans | $267,961,800 | 1,721 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0608% | 3,135 |
| Cost of funding earning assets | 0.6704% | 1,121 |
| Net interest margin | 3.3905% | 3,880 |
| Noninterest income to average assets | 0.7112% | 1,950 |
| Noninterest expense to average assets | 2.1103% | 4,712 |
| Loan and lease loss provision to assets | 0.1135% | 1,899 |
| Net operating income to assets | 1.1656% | 1,820 |
| Return on assets (ROA) | 1.1656% | 1,866 |
| Pretax return on assets | 1.7147% | 1,085 |
| Return on Equity (ROE) | 10.5794% | 1,867 |
| Retained earnings to average equity (ytd only) | 9.0587% | 821 |
| Net charge-offs to loans | 0.0785% | 2,017 |
| Credit loss provision to net charge-offs | 203.2258% | 1,330 |
| Earnings coverage of net charge-offs (x) | 32.7357% | 1,475 |
| Efficiency ratio | 52.9595% | 5,014 |
| Assets per employee ($millions) | 6.3880% | 1,256 |
| Cash dividends to net income (ytd only)* | 14.3739% | 3,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1701% | 3,087 |
| Loan loss allowance to noncurrent loans | 403.9340% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.3906% | 3,467 |
| Noncurrent loans to loans | 0.2897% | 3,900 |
| Net loans and leases to total assets | 71.3309% | 2,355 |
| Net loans and leases to deposits | 91.4755% | 1,629 |
| Net loans and leases to core deposits | 98.5173% | 1,842 |
| Total domestic deposits to total assets | 77.9781% | 4,728 |
| Equity capital to assets | 11.2324% | 2,636 |
| Core capital (leverage) ratio | 11.0797% | 2,388 |
| Tier 1 risk-based capital ratio | 12.5858% | 4,267 |
| Total risk-based capital ratio | 13.5712% | 4,329 |
| Memoranda: | ||
| Average total assets | $370,055,750 | 1,846 |
| Average earning assets | $352,235,000 | 1,804 |
| Average equity | $40,770,000 | 1,839 |
| Average total loans | $263,353,500 | 1,755 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0195% | 3,139 |
| Cost of funding earning assets | 0.6528% | 1,126 |
| Net interest margin | 3.3667% | 3,889 |
| Noninterest income to average assets | 0.7037% | 1,971 |
| Noninterest expense to average assets | 2.0888% | 4,793 |
| Loan and lease loss provision to assets | 0.1142% | 1,798 |
| Net operating income to assets | 1.1616% | 1,730 |
| Return on assets (ROA) | 1.1616% | 1,769 |
| Pretax return on assets | 1.7065% | 1,041 |
| Return on Equity (ROE) | 10.6140% | 1,790 |
| Retained earnings to average equity (ytd only) | 8.3034% | 1,054 |
| Net charge-offs to loans | 0.1390% | 1,321 |
| Credit loss provision to net charge-offs | 116.0221% | 1,823 |
| Earnings coverage of net charge-offs (x) | 18.4972% | 1,876 |
| Efficiency ratio | 52.8029% | 5,109 |
| Assets per employee ($millions) | 6.1250% | 1,373 |
| Cash dividends to net income (ytd only)* | 21.7697% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1468% | 3,333 |
| Loan loss allowance to noncurrent loans | 509.5159% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.3576% | 3,690 |
| Noncurrent loans to loans | 0.2251% | 4,222 |
| Net loans and leases to total assets | 71.5875% | 2,266 |
| Net loans and leases to deposits | 92.5156% | 1,430 |
| Net loans and leases to core deposits | 96.6929% | 1,913 |
| Total domestic deposits to total assets | 77.3789% | 4,906 |
| Equity capital to assets | 11.2134% | 2,575 |
| Core capital (leverage) ratio | 10.8200% | 2,583 |
| Tier 1 risk-based capital ratio | 12.4744% | 4,320 |
| Total risk-based capital ratio | 13.4362% | 4,382 |
| Memoranda: | ||
| Average total assets | $367,776,670 | 1,857 |
| Average earning assets | $350,195,330 | 1,815 |
| Average equity | $40,248,670 | 1,859 |
| Average total loans | $260,463,330 | 1,762 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9479% | 3,212 |
| Cost of funding earning assets | 0.6367% | 1,150 |
| Net interest margin | 3.3113% | 3,965 |
| Noninterest income to average assets | 0.6501% | 2,176 |
| Noninterest expense to average assets | 2.0798% | 4,890 |
| Loan and lease loss provision to assets | 0.1142% | 1,680 |
| Net operating income to assets | 1.0981% | 1,881 |
| Return on assets (ROA) | 1.0981% | 1,922 |
| Pretax return on assets | 1.6058% | 1,217 |
| Return on Equity (ROE) | 10.1588% | 1,901 |
| Retained earnings to average equity (ytd only) | 10.1588% | 780 |
| Net charge-offs to loans | 0.0574% | 1,761 |
| Credit loss provision to net charge-offs | 283.7838% | 819 |
| Earnings coverage of net charge-offs (x) | 42.7568% | 986 |
| Efficiency ratio | 54.0773% | 5,120 |
| Assets per employee ($millions) | 6.2268% | 1,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1902% | 3,196 |
| Loan loss allowance to noncurrent loans | 272.5750% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.4391% | 3,438 |
| Noncurrent loans to loans | 0.4366% | 3,529 |
| Net loans and leases to total assets | 69.8508% | 2,411 |
| Net loans and leases to deposits | 89.9395% | 1,543 |
| Net loans and leases to core deposits | 94.0748% | 1,984 |
| Total domestic deposits to total assets | 77.6642% | 5,015 |
| Equity capital to assets | 10.9904% | 2,635 |
| Core capital (leverage) ratio | 10.9522% | 2,409 |
| Tier 1 risk-based capital ratio | 12.2102% | 4,573 |
| Total risk-based capital ratio | 13.1798% | 4,664 |
| Memoranda: | ||
| Average total assets | $367,916,500 | 1,867 |
| Average earning assets | $349,955,000 | 1,827 |
| Average equity | $39,768,500 | 1,874 |
| Average total loans | $257,628,000 | 1,788 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9850% | 3,251 |
| Cost of funding earning assets | 0.6576% | 1,016 |
| Net interest margin | 3.3274% | 4,063 |
| Noninterest income to average assets | 0.7649% | 1,904 |
| Noninterest expense to average assets | 2.1424% | 4,912 |
| Loan and lease loss provision to assets | 0.1186% | 2,089 |
| Net operating income to assets | 1.1205% | 1,815 |
| Return on assets (ROA) | 1.1205% | 1,904 |
| Pretax return on assets | 1.6654% | 1,095 |
| Return on Equity (ROE) | 10.3293% | 1,837 |
| Retained earnings to average equity (ytd only) | 7.8270% | 914 |
| Net charge-offs to loans | 0.0258% | 3,522 |
| Credit loss provision to net charge-offs | 646.1538% | 533 |
| Earnings coverage of net charge-offs (x) | 97.1692% | 617 |
| Efficiency ratio | 53.9170% | 5,251 |
| Assets per employee ($millions) | 6.1408% | 1,379 |
| Cash dividends to net income (ytd only)* | 24.2249% | 3,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1830% | 3,225 |
| Loan loss allowance to noncurrent loans | 190.4852% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.5607% | 3,052 |
| Noncurrent loans to loans | 0.6210% | 2,985 |
| Net loans and leases to total assets | 68.5363% | 2,696 |
| Net loans and leases to deposits | 86.4792% | 2,105 |
| Net loans and leases to core deposits | 90.3558% | 2,473 |
| Total domestic deposits to total assets | 79.2517% | 4,734 |
| Equity capital to assets | 10.6283% | 3,004 |
| Core capital (leverage) ratio | 10.7176% | 2,632 |
| Tier 1 risk-based capital ratio | 12.7865% | 4,211 |
| Total risk-based capital ratio | 13.8025% | 4,243 |
| Memoranda: | ||
| Average total assets | $354,034,000 | 1,886 |
| Average earning assets | $336,385,600 | 1,844 |
| Average equity | $38,405,400 | 1,914 |
| Average total loans | $252,203,800 | 1,778 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0152% | 3,166 |
| Cost of funding earning assets | 0.6648% | 979 |
| Net interest margin | 3.3504% | 4,026 |
| Noninterest income to average assets | 0.7453% | 1,987 |
| Noninterest expense to average assets | 2.1135% | 4,981 |
| Loan and lease loss provision to assets | 0.1198% | 1,934 |
| Net operating income to assets | 1.1376% | 1,852 |
| Return on assets (ROA) | 1.1376% | 1,958 |
| Pretax return on assets | 1.6931% | 1,129 |
| Return on Equity (ROE) | 10.4315% | 1,897 |
| Retained earnings to average equity (ytd only) | 8.9173% | 843 |
| Net charge-offs to loans | 0.0095% | 3,596 |
| Credit loss provision to net charge-offs | 1,750.0000% | 266 |
| Earnings coverage of net charge-offs (x) | 264.7154% | 306 |
| Efficiency ratio | 53.1686% | 5,293 |
| Assets per employee ($millions) | 5.9354% | 1,474 |
| Cash dividends to net income (ytd only)* | 14.5150% | 3,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1704% | 3,424 |
| Loan loss allowance to noncurrent loans | 181.4565% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.6959% | 2,828 |
| Noncurrent loans to loans | 0.6450% | 3,089 |
| Net loans and leases to total assets | 71.4927% | 2,263 |
| Net loans and leases to deposits | 92.7905% | 1,399 |
| Net loans and leases to core deposits | 97.6470% | 1,848 |
| Total domestic deposits to total assets | 77.0475% | 5,077 |
| Equity capital to assets | 11.2885% | 2,714 |
| Core capital (leverage) ratio | 10.8560% | 2,619 |
| Tier 1 risk-based capital ratio | 13.0847% | 4,109 |
| Total risk-based capital ratio | 14.1170% | 4,152 |
| Memoranda: | ||
| Average total assets | $350,430,000 | 1,906 |
| Average earning assets | $332,724,750 | 1,864 |
| Average equity | $38,216,750 | 1,926 |
| Average total loans | $251,368,500 | 1,787 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9990% | 3,250 |
| Cost of funding earning assets | 0.6709% | 934 |
| Net interest margin | 3.3281% | 4,127 |
| Noninterest income to average assets | 0.6910% | 2,185 |
| Noninterest expense to average assets | 2.0901% | 5,081 |
| Loan and lease loss provision to assets | 0.1198% | 1,901 |
| Net operating income to assets | 1.1035% | 1,944 |
| Return on assets (ROA) | 1.1035% | 2,070 |
| Pretax return on assets | 1.6399% | 1,255 |
| Return on Equity (ROE) | 10.2386% | 1,952 |
| Retained earnings to average equity (ytd only) | 7.9410% | 1,189 |
| Net charge-offs to loans | 0.0096% | 3,375 |
| Credit loss provision to net charge-offs | 1,750.0000% | 232 |
| Earnings coverage of net charge-offs (x) | 257.0000% | 263 |
| Efficiency ratio | 53.6238% | 5,342 |
| Assets per employee ($millions) | 5.6280% | 1,679 |
| Cash dividends to net income (ytd only)* | 22.4405% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1352% | 3,746 |
| Loan loss allowance to noncurrent loans | 161.7381% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 0.6451% | 3,063 |
| Noncurrent loans to loans | 0.7019% | 2,975 |
| Net loans and leases to total assets | 71.5312% | 2,242 |
| Net loans and leases to deposits | 91.3511% | 1,589 |
| Net loans and leases to core deposits | 95.7330% | 2,002 |
| Total domestic deposits to total assets | 78.3036% | 4,938 |
| Equity capital to assets | 11.0910% | 2,959 |
| Core capital (leverage) ratio | 10.3495% | 3,133 |
| Tier 1 risk-based capital ratio | 12.9982% | 4,199 |
| Total risk-based capital ratio | 14.0184% | 4,247 |
| Memoranda: | ||
| Average total assets | $350,510,670 | 1,910 |
| Average earning assets | $332,679,330 | 1,865 |
| Average equity | $37,778,670 | 1,951 |
| Average total loans | $250,716,670 | 1,795 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9481% | 3,407 |
| Cost of funding earning assets | 0.6634% | 976 |
| Net interest margin | 3.2847% | 4,287 |
| Noninterest income to average assets | 0.6422% | 2,307 |
| Noninterest expense to average assets | 2.0746% | 5,163 |
| Loan and lease loss provision to assets | 0.1196% | 1,762 |
| Net operating income to assets | 1.0669% | 2,021 |
| Return on assets (ROA) | 1.0669% | 2,136 |
| Pretax return on assets | 1.5599% | 1,405 |
| Return on Equity (ROE) | 10.0434% | 1,969 |
| Retained earnings to average equity (ytd only) | 10.0434% | 838 |
| Net charge-offs to loans | 0.0096% | 2,803 |
| Credit loss provision to net charge-offs | 1,750.0000% | 236 |
| Earnings coverage of net charge-offs (x) | 245.8333% | 253 |
| Efficiency ratio | 54.5648% | 5,335 |
| Assets per employee ($millions) | 5.8005% | 1,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 4,018 |
| Loan loss allowance to noncurrent loans | 150.1356% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 0.6672% | 3,056 |
| Noncurrent loans to loans | 0.7367% | 2,993 |
| Net loans and leases to total assets | 71.0862% | 2,175 |
| Net loans and leases to deposits | 90.3549% | 1,534 |
| Net loans and leases to core deposits | 94.2139% | 1,970 |
| Total domestic deposits to total assets | 78.6744% | 5,036 |
| Equity capital to assets | 10.8825% | 3,066 |
| Core capital (leverage) ratio | 10.4785% | 2,992 |
| Tier 1 risk-based capital ratio | 12.8037% | 4,394 |
| Total risk-based capital ratio | 13.7896% | 4,465 |
| Memoranda: | ||
| Average total assets | $351,299,500 | 1,906 |
| Average earning assets | $332,820,500 | 1,866 |
| Average equity | $37,318,000 | 1,969 |
| Average total loans | $249,844,000 | 1,800 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0696% | 3,032 |
| Cost of funding earning assets | 0.6851% | 886 |
| Net interest margin | 3.3844% | 3,967 |
| Noninterest income to average assets | 0.7425% | 2,015 |
| Noninterest expense to average assets | 2.1794% | 5,090 |
| Loan and lease loss provision to assets | 0.1210% | 1,981 |
| Net operating income to assets | 1.1170% | 1,847 |
| Return on assets (ROA) | 1.1170% | 1,912 |
| Pretax return on assets | 1.6556% | 1,095 |
| Return on Equity (ROE) | 10.5550% | 1,781 |
| Retained earnings to average equity (ytd only) | 8.1053% | 878 |
| Net charge-offs to loans | 0.0564% | 3,090 |
| Credit loss provision to net charge-offs | 295.6204% | 1,002 |
| Earnings coverage of net charge-offs (x) | 43.4161% | 1,097 |
| Efficiency ratio | 54.4130% | 5,496 |
| Assets per employee ($millions) | 5.9095% | 1,449 |
| Cash dividends to net income (ytd only)* | 23.2086% | 3,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0692% | 4,214 |
| Loan loss allowance to noncurrent loans | 142.2175% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 0.6766% | 3,013 |
| Noncurrent loans to loans | 0.7518% | 2,926 |
| Net loans and leases to total assets | 69.6203% | 2,427 |
| Net loans and leases to deposits | 87.1915% | 1,978 |
| Net loans and leases to core deposits | 90.7218% | 2,346 |
| Total domestic deposits to total assets | 79.8475% | 4,779 |
| Equity capital to assets | 10.3680% | 3,543 |
| Core capital (leverage) ratio | 10.2296% | 3,224 |
| Tier 1 risk-based capital ratio | 12.7166% | 4,496 |
| Total risk-based capital ratio | 13.6845% | 4,570 |
| Memoranda: | ||
| Average total assets | $334,813,200 | 1,964 |
| Average earning assets | $317,895,400 | 1,904 |
| Average equity | $35,433,600 | 2,011 |
| Average total loans | $243,026,800 | 1,776 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0987% | 2,943 |
| Cost of funding earning assets | 0.6942% | 863 |
| Net interest margin | 3.4045% | 3,934 |
| Noninterest income to average assets | 0.7486% | 2,031 |
| Noninterest expense to average assets | 2.1899% | 5,075 |
| Loan and lease loss provision to assets | 0.1273% | 1,776 |
| Net operating income to assets | 1.1273% | 1,906 |
| Return on assets (ROA) | 1.1273% | 1,980 |
| Pretax return on assets | 1.6644% | 1,201 |
| Return on Equity (ROE) | 10.5938% | 1,869 |
| Retained earnings to average equity (ytd only) | 8.9453% | 927 |
| Net charge-offs to loans | 0.0900% | 2,265 |
| Credit loss provision to net charge-offs | 193.2515% | 1,373 |
| Earnings coverage of net charge-offs (x) | 27.1961% | 1,594 |
| Efficiency ratio | 54.3092% | 5,489 |
| Assets per employee ($millions) | 5.8142% | 1,499 |
| Cash dividends to net income (ytd only)* | 15.5611% | 3,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0431% | 4,508 |
| Loan loss allowance to noncurrent loans | 240.5278% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.4780% | 3,897 |
| Noncurrent loans to loans | 0.4337% | 4,051 |
| Net loans and leases to total assets | 73.0506% | 1,897 |
| Net loans and leases to deposits | 94.5754% | 1,131 |
| Net loans and leases to core deposits | 98.9156% | 1,614 |
| Total domestic deposits to total assets | 77.2406% | 5,308 |
| Equity capital to assets | 10.9665% | 3,066 |
| Core capital (leverage) ratio | 10.5090% | 3,038 |
| Tier 1 risk-based capital ratio | 12.9189% | 4,475 |
| Total risk-based capital ratio | 13.8737% | 4,572 |
| Memoranda: | ||
| Average total assets | $329,873,500 | 2,005 |
| Average earning assets | $313,262,250 | 1,945 |
| Average equity | $35,101,500 | 2,049 |
| Average total loans | $241,403,000 | 1,793 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0701% | 3,008 |
| Cost of funding earning assets | 0.7052% | 821 |
| Net interest margin | 3.3649% | 4,036 |
| Noninterest income to average assets | 0.7335% | 2,067 |
| Noninterest expense to average assets | 2.1684% | 5,185 |
| Loan and lease loss provision to assets | 0.1275% | 1,743 |
| Net operating income to assets | 1.1082% | 1,919 |
| Return on assets (ROA) | 1.1082% | 2,005 |
| Pretax return on assets | 1.6335% | 1,244 |
| Return on Equity (ROE) | 10.5226% | 1,841 |
| Retained earnings to average equity (ytd only) | 8.0202% | 1,259 |
| Net charge-offs to loans | 0.0924% | 2,099 |
| Credit loss provision to net charge-offs | 189.1892% | 1,291 |
| Earnings coverage of net charge-offs (x) | 26.1261% | 1,493 |
| Efficiency ratio | 54.4893% | 5,548 |
| Assets per employee ($millions) | 5.4891% | 1,752 |
| Cash dividends to net income (ytd only)* | 23.7808% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0347% | 4,687 |
| Loan loss allowance to noncurrent loans | 134.7896% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.7084% | 3,273 |
| Noncurrent loans to loans | 0.7677% | 3,188 |
| Net loans and leases to total assets | 72.5731% | 1,886 |
| Net loans and leases to deposits | 91.8582% | 1,392 |
| Net loans and leases to core deposits | 95.3885% | 1,854 |
| Total domestic deposits to total assets | 79.0055% | 5,093 |
| Equity capital to assets | 10.6837% | 3,232 |
| Core capital (leverage) ratio | 10.0695% | 3,504 |
| Tier 1 risk-based capital ratio | 12.2880% | 4,943 |
| Total risk-based capital ratio | 13.2031% | 5,084 |
| Memoranda: | ||
| Average total assets | $329,361,330 | 2,015 |
| Average earning assets | $312,819,670 | 1,963 |
| Average equity | $34,687,330 | 2,076 |
| Average total loans | $240,321,000 | 1,811 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0210% | 3,156 |
| Cost of funding earning assets | 0.7149% | 795 |
| Net interest margin | 3.3061% | 4,192 |
| Noninterest income to average assets | 0.7505% | 1,916 |
| Noninterest expense to average assets | 2.1459% | 5,284 |
| Loan and lease loss provision to assets | 0.1275% | 1,626 |
| Net operating income to assets | 1.0881% | 1,909 |
| Return on assets (ROA) | 1.0881% | 2,024 |
| Pretax return on assets | 1.6164% | 1,231 |
| Return on Equity (ROE) | 10.4071% | 1,826 |
| Retained earnings to average equity (ytd only) | 10.4071% | 825 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4490% | 5,641 |
| Assets per employee ($millions) | 5.7955% | 1,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0371% | 4,836 |
| Loan loss allowance to noncurrent loans | 90.6329% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 0.9651% | 2,691 |
| Noncurrent loans to loans | 1.1443% | 2,484 |
| Net loans and leases to total assets | 71.1394% | 1,958 |
| Net loans and leases to deposits | 91.2047% | 1,270 |
| Net loans and leases to core deposits | 95.1840% | 1,684 |
| Total domestic deposits to total assets | 77.9997% | 5,450 |
| Equity capital to assets | 10.3937% | 3,659 |
| Core capital (leverage) ratio | 9.9454% | 3,670 |
| Tier 1 risk-based capital ratio | 11.8115% | 5,365 |
| Total risk-based capital ratio | 12.7077% | 5,493 |
| Memoranda: | ||
| Average total assets | $329,370,000 | 2,027 |
| Average earning assets | $312,757,500 | 1,974 |
| Average equity | $34,438,000 | 2,104 |
| Average total loans | $239,724,500 | 1,816 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2978% | 2,615 |
| Cost of funding earning assets | 0.7329% | 941 |
| Net interest margin | 3.5649% | 3,542 |
| Noninterest income to average assets | 0.8155% | 1,808 |
| Noninterest expense to average assets | 2.3178% | 5,071 |
| Loan and lease loss provision to assets | 0.1143% | 2,264 |
| Net operating income to assets | 1.2025% | 1,579 |
| Return on assets (ROA) | 1.2025% | 1,633 |
| Pretax return on assets | 1.7710% | 846 |
| Return on Equity (ROE) | 11.3935% | 1,594 |
| Retained earnings to average equity (ytd only) | 8.7235% | 762 |
| Net charge-offs to loans | 0.0855% | 3,275 |
| Credit loss provision to net charge-offs | 181.4433% | 1,339 |
| Earnings coverage of net charge-offs (x) | 29.9330% | 1,336 |
| Efficiency ratio | 54.6192% | 5,794 |
| Assets per employee ($millions) | 5.6597% | 1,641 |
| Cash dividends to net income (ytd only)* | 23.4341% | 3,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0092% | 4,994 |
| Loan loss allowance to noncurrent loans | 88.2353% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 0.9916% | 2,772 |
| Noncurrent loans to loans | 1.1437% | 2,556 |
| Net loans and leases to total assets | 72.9742% | 1,761 |
| Net loans and leases to deposits | 93.6588% | 1,114 |
| Net loans and leases to core deposits | 97.7199% | 1,572 |
| Total domestic deposits to total assets | 77.9150% | 5,452 |
| Equity capital to assets | 10.5204% | 3,450 |
| Core capital (leverage) ratio | 9.8911% | 3,721 |
| Tier 1 risk-based capital ratio | 11.7340% | 5,525 |
| Total risk-based capital ratio | 12.6178% | 5,651 |
| Memoranda: | ||
| Average total assets | $308,013,200 | 2,114 |
| Average earning assets | $292,684,000 | 2,052 |
| Average equity | $32,509,800 | 2,138 |
| Average total loans | $226,823,000 | 1,849 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3098% | 2,586 |
| Cost of funding earning assets | 0.7489% | 894 |
| Net interest margin | 3.5609% | 3,593 |
| Noninterest income to average assets | 0.8349% | 1,759 |
| Noninterest expense to average assets | 2.2845% | 5,145 |
| Loan and lease loss provision to assets | 0.1082% | 2,231 |
| Net operating income to assets | 1.2375% | 1,560 |
| Return on assets (ROA) | 1.2375% | 1,618 |
| Pretax return on assets | 1.8250% | 842 |
| Return on Equity (ROE) | 11.7147% | 1,554 |
| Retained earnings to average equity (ytd only) | 9.9150% | 732 |
| Net charge-offs to loans | -0.0131% | 5,493 |
| Credit loss provision to net charge-offs | -1,122.7273% | 5,887 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6975% | 5,853 |
| Assets per employee ($millions) | 5.5831% | 1,650 |
| Cash dividends to net income (ytd only)* | 15.3628% | 3,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0743% | 4,858 |
| Loan loss allowance to noncurrent loans | 95.1136% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 1.0696% | 2,823 |
| Noncurrent loans to loans | 1.1295% | 2,801 |
| Net loans and leases to total assets | 72.6573% | 1,733 |
| Net loans and leases to deposits | 92.0283% | 1,229 |
| Net loans and leases to core deposits | 96.0129% | 1,676 |
| Total domestic deposits to total assets | 78.9510% | 5,337 |
| Equity capital to assets | 10.5251% | 3,526 |
| Core capital (leverage) ratio | 9.9748% | 3,720 |
| Tier 1 risk-based capital ratio | 11.7391% | 5,651 |
| Total risk-based capital ratio | 12.6780% | 5,761 |
| Memoranda: | ||
| Average total assets | $304,365,750 | 2,148 |
| Average earning assets | $289,134,000 | 2,091 |
| Average equity | $32,152,500 | 2,163 |
| Average total loans | $224,074,500 | 1,876 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2979% | 2,587 |
| Cost of funding earning assets | 0.7711% | 826 |
| Net interest margin | 3.5268% | 3,671 |
| Noninterest income to average assets | 0.7086% | 2,238 |
| Noninterest expense to average assets | 2.2946% | 5,166 |
| Loan and lease loss provision to assets | 0.0947% | 2,445 |
| Net operating income to assets | 1.1510% | 1,753 |
| Return on assets (ROA) | 1.1510% | 1,829 |
| Pretax return on assets | 1.6761% | 1,070 |
| Return on Equity (ROE) | 10.8816% | 1,782 |
| Retained earnings to average equity (ytd only) | 8.1438% | 1,275 |
| Net charge-offs to loans | -0.0217% | 5,579 |
| Credit loss provision to net charge-offs | -591.6667% | 5,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0972% | 5,742 |
| Assets per employee ($millions) | 5.6969% | 1,525 |
| Cash dividends to net income (ytd only)* | 25.1594% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 5,192 |
| Loan loss allowance to noncurrent loans | 351.0204% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.4545% | 4,638 |
| Noncurrent loans to loans | 0.2944% | 5,134 |
| Net loans and leases to total assets | 72.2921% | 1,687 |
| Net loans and leases to deposits | 91.6445% | 1,197 |
| Net loans and leases to core deposits | 95.8191% | 1,616 |
| Total domestic deposits to total assets | 78.8831% | 5,484 |
| Equity capital to assets | 10.1738% | 3,866 |
| Core capital (leverage) ratio | 9.6543% | 4,109 |
| Tier 1 risk-based capital ratio | 11.3927% | 5,858 |
| Total risk-based capital ratio | 12.2983% | 5,973 |
| Memoranda: | ||
| Average total assets | $299,741,670 | 2,179 |
| Average earning assets | $285,301,330 | 2,101 |
| Average equity | $31,705,000 | 2,175 |
| Average total loans | $220,854,670 | 1,899 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2215% | 2,791 |
| Cost of funding earning assets | 0.8114% | 707 |
| Net interest margin | 3.4101% | 4,076 |
| Noninterest income to average assets | 0.6991% | 2,171 |
| Noninterest expense to average assets | 2.2420% | 5,351 |
| Loan and lease loss provision to assets | 0.1517% | 1,602 |
| Net operating income to assets | 1.0796% | 1,899 |
| Return on assets (ROA) | 1.0796% | 1,966 |
| Pretax return on assets | 1.5622% | 1,256 |
| Return on Equity (ROE) | 9.9971% | 2,041 |
| Retained earnings to average equity (ytd only) | 9.9971% | 962 |
| Net charge-offs to loans | -0.0875% | 6,068 |
| Credit loss provision to net charge-offs | -234.0426% | 4,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6748% | 5,784 |
| Assets per employee ($millions) | 5.4106% | 1,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1180% | 5,040 |
| Loan loss allowance to noncurrent loans | 489.5918% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.4980% | 4,653 |
| Noncurrent loans to loans | 0.2284% | 5,415 |
| Net loans and leases to total assets | 72.6191% | 1,473 |
| Net loans and leases to deposits | 96.5050% | 619 |
| Net loans and leases to core deposits | 101.8882% | 992 |
| Total domestic deposits to total assets | 75.2490% | 6,134 |
| Equity capital to assets | 10.8696% | 2,852 |
| Core capital (leverage) ratio | 10.8728% | 2,524 |
| Tier 1 risk-based capital ratio | 12.6294% | 5,237 |
| Total risk-based capital ratio | 13.5901% | 5,346 |
| Memoranda: | ||
| Average total assets | $290,100,500 | 2,232 |
| Average earning assets | $277,060,500 | 2,170 |
| Average equity | $31,329,000 | 2,191 |
| Average total loans | $214,763,500 | 1,937 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4519% | 2,387 |
| Cost of funding earning assets | 0.9199% | 669 |
| Net interest margin | 3.5320% | 3,753 |
| Noninterest income to average assets | 0.7917% | 2,117 |
| Noninterest expense to average assets | 2.1482% | 5,735 |
| Loan and lease loss provision to assets | 0.1233% | 2,769 |
| Net operating income to assets | 1.2440% | 1,412 |
| Return on assets (ROA) | 1.2480% | 1,456 |
| Pretax return on assets | 1.8611% | 664 |
| Return on Equity (ROE) | 11.9299% | 1,441 |
| Retained earnings to average equity (ytd only) | 9.8922% | 578 |
| Net charge-offs to loans | 0.0965% | 3,875 |
| Credit loss provision to net charge-offs | 175.0000% | 1,308 |
| Earnings coverage of net charge-offs (x) | 28.0750% | 1,247 |
| Efficiency ratio | 52.0577% | 6,290 |
| Assets per employee ($millions) | 5.5390% | 1,617 |
| Cash dividends to net income (ytd only)* | 17.0807% | 3,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0430% | 5,365 |
| Loan loss allowance to noncurrent loans | 536.3636% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.4739% | 4,816 |
| Noncurrent loans to loans | 0.1945% | 5,610 |
| Net loans and leases to total assets | 73.8514% | 1,371 |
| Net loans and leases to deposits | 97.3599% | 636 |
| Net loans and leases to core deposits | 103.4848% | 945 |
| Total domestic deposits to total assets | 75.8540% | 6,110 |
| Equity capital to assets | 10.7282% | 2,902 |
| Core capital (leverage) ratio | 10.7713% | 2,602 |
| Tier 1 risk-based capital ratio | 12.2427% | 5,461 |
| Total risk-based capital ratio | 13.1353% | 5,626 |
| Memoranda: | ||
| Average total assets | $283,814,600 | 2,243 |
| Average earning assets | $267,976,200 | 2,198 |
| Average equity | $29,690,200 | 2,273 |
| Average total loans | $207,338,600 | 1,947 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4606% | 2,384 |
| Cost of funding earning assets | 0.9369% | 680 |
| Net interest margin | 3.5237% | 3,782 |
| Noninterest income to average assets | 0.8186% | 2,063 |
| Noninterest expense to average assets | 2.1539% | 5,713 |
| Loan and lease loss provision to assets | 0.1415% | 2,522 |
| Net operating income to assets | 1.2357% | 1,518 |
| Return on assets (ROA) | 1.2411% | 1,583 |
| Pretax return on assets | 1.8493% | 802 |
| Return on Equity (ROE) | 11.9412% | 1,488 |
| Retained earnings to average equity (ytd only) | 10.1128% | 765 |
| Net charge-offs to loans | 0.0935% | 3,631 |
| Credit loss provision to net charge-offs | 208.3333% | 1,162 |
| Earnings coverage of net charge-offs (x) | 29.2007% | 1,260 |
| Efficiency ratio | 52.0688% | 6,247 |
| Assets per employee ($millions) | 5.2871% | 1,850 |
| Cash dividends to net income (ytd only)* | 15.3115% | 3,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0670% | 5,454 |
| Loan loss allowance to noncurrent loans | 165.0514% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.7705% | 4,179 |
| Noncurrent loans to loans | 0.6465% | 4,574 |
| Net loans and leases to total assets | 74.3832% | 1,235 |
| Net loans and leases to deposits | 98.4819% | 539 |
| Net loans and leases to core deposits | 105.3037% | 800 |
| Total domestic deposits to total assets | 75.5298% | 6,221 |
| Equity capital to assets | 10.8216% | 2,935 |
| Core capital (leverage) ratio | 10.8336% | 2,636 |
| Tier 1 risk-based capital ratio | 12.5224% | 5,445 |
| Total risk-based capital ratio | 13.4594% | 5,571 |
| Memoranda: | ||
| Average total assets | $282,761,500 | 2,264 |
| Average earning assets | $266,263,250 | 2,214 |
| Average equity | $29,387,750 | 2,313 |
| Average total loans | $205,434,750 | 1,974 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4500% | 2,385 |
| Cost of funding earning assets | 0.9583% | 686 |
| Net interest margin | 3.4917% | 3,815 |
| Noninterest income to average assets | 0.7990% | 2,190 |
| Noninterest expense to average assets | 2.1212% | 5,827 |
| Loan and lease loss provision to assets | 0.1551% | 2,376 |
| Net operating income to assets | 1.2084% | 1,574 |
| Return on assets (ROA) | 1.2165% | 1,651 |
| Pretax return on assets | 1.8081% | 911 |
| Return on Equity (ROE) | 11.8656% | 1,535 |
| Retained earnings to average equity (ytd only) | 9.0935% | 1,085 |
| Net charge-offs to loans | 0.0727% | 3,671 |
| Credit loss provision to net charge-offs | 297.2973% | 872 |
| Earnings coverage of net charge-offs (x) | 37.3919% | 971 |
| Efficiency ratio | 52.0866% | 6,275 |
| Assets per employee ($millions) | 5.2778% | 1,816 |
| Cash dividends to net income (ytd only)* | 23.3623% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0918% | 5,478 |
| Loan loss allowance to noncurrent loans | 152.5562% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.8094% | 4,202 |
| Noncurrent loans to loans | 0.7157% | 4,497 |
| Net loans and leases to total assets | 72.4812% | 1,490 |
| Net loans and leases to deposits | 98.1436% | 533 |
| Net loans and leases to core deposits | 102.8588% | 892 |
| Total domestic deposits to total assets | 73.8522% | 6,452 |
| Equity capital to assets | 10.5003% | 3,309 |
| Core capital (leverage) ratio | 10.4554% | 2,935 |
| Tier 1 risk-based capital ratio | 12.4051% | 5,567 |
| Total risk-based capital ratio | 13.3580% | 5,676 |
| Memoranda: | ||
| Average total assets | $283,609,330 | 2,266 |
| Average earning assets | $265,885,670 | 2,223 |
| Average equity | $29,075,670 | 2,338 |
| Average total loans | $203,685,330 | 1,985 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4339% | 2,407 |
| Cost of funding earning assets | 0.9702% | 706 |
| Net interest margin | 3.4637% | 3,844 |
| Noninterest income to average assets | 0.7999% | 2,123 |
| Noninterest expense to average assets | 2.1180% | 5,869 |
| Loan and lease loss provision to assets | 0.1681% | 2,176 |
| Net operating income to assets | 1.1865% | 1,563 |
| Return on assets (ROA) | 1.1865% | 1,676 |
| Pretax return on assets | 1.7594% | 954 |
| Return on Equity (ROE) | 11.7120% | 1,493 |
| Retained earnings to average equity (ytd only) | 11.7120% | 742 |
| Net charge-offs to loans | -0.0650% | 6,244 |
| Credit loss provision to net charge-offs | -363.6364% | 5,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3546% | 6,357 |
| Assets per employee ($millions) | 5.4418% | 1,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1169% | 5,537 |
| Loan loss allowance to noncurrent loans | 160.7015% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.8004% | 4,370 |
| Noncurrent loans to loans | 0.6950% | 4,737 |
| Net loans and leases to total assets | 70.2400% | 1,624 |
| Net loans and leases to deposits | 91.8239% | 819 |
| Net loans and leases to core deposits | 97.8015% | 1,090 |
| Total domestic deposits to total assets | 76.4943% | 6,308 |
| Equity capital to assets | 10.3557% | 3,726 |
| Core capital (leverage) ratio | 10.2687% | 3,049 |
| Tier 1 risk-based capital ratio | 12.2724% | 5,738 |
| Total risk-based capital ratio | 13.2337% | 5,888 |
| Memoranda: | ||
| Average total assets | $285,551,500 | 2,280 |
| Average earning assets | $267,577,500 | 2,232 |
| Average equity | $28,927,500 | 2,389 |
| Average total loans | $203,035,000 | 2,005 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7119% | 2,551 |
| Cost of funding earning assets | 1.2023% | 572 |
| Net interest margin | 3.5096% | 4,460 |
| Noninterest income to average assets | 0.9592% | 1,671 |
| Noninterest expense to average assets | 2.1413% | 6,046 |
| Loan and lease loss provision to assets | 0.2168% | 2,964 |
| Net operating income to assets | 1.2695% | 1,398 |
| Return on assets (ROA) | 1.2695% | 1,548 |
| Pretax return on assets | 1.8819% | 777 |
| Return on Equity (ROE) | 12.7212% | 1,306 |
| Retained earnings to average equity (ytd only) | 8.4567% | 980 |
| Net charge-offs to loans | 0.1781% | 3,947 |
| Credit loss provision to net charge-offs | 171.9198% | 1,533 |
| Earnings coverage of net charge-offs (x) | 16.6447% | 1,569 |
| Efficiency ratio | 50.5027% | 6,555 |
| Assets per employee ($millions) | 5.5409% | 1,650 |
| Cash dividends to net income (ytd only)* | 33.5231% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0202% | 5,895 |
| Loan loss allowance to noncurrent loans | 211.3131% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.6449% | 4,857 |
| Noncurrent loans to loans | 0.4828% | 5,318 |
| Net loans and leases to total assets | 70.4448% | 1,751 |
| Net loans and leases to deposits | 93.2125% | 811 |
| Net loans and leases to core deposits | 96.4462% | 1,267 |
| Total domestic deposits to total assets | 75.5745% | 6,403 |
| Equity capital to assets | 9.9091% | 4,301 |
| Core capital (leverage) ratio | 10.0231% | 3,365 |
| Tier 1 risk-based capital ratio | 11.8306% | 5,889 |
| Total risk-based capital ratio | 12.7204% | 6,093 |
| Memoranda: | ||
| Average total assets | $276,796,800 | 2,294 |
| Average earning assets | $258,746,800 | 2,254 |
| Average equity | $27,623,200 | 2,431 |
| Average total loans | $195,993,000 | 2,037 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7429% | 2,613 |
| Cost of funding earning assets | 1.2358% | 587 |
| Net interest margin | 3.5070% | 4,615 |
| Noninterest income to average assets | 0.9928% | 1,522 |
| Noninterest expense to average assets | 2.2022% | 5,946 |
| Loan and lease loss provision to assets | 0.2190% | 2,866 |
| Net operating income to assets | 1.2556% | 1,557 |
| Return on assets (ROA) | 1.2556% | 1,720 |
| Pretax return on assets | 1.8586% | 946 |
| Return on Equity (ROE) | 12.5584% | 1,446 |
| Retained earnings to average equity (ytd only) | 10.4459% | 799 |
| Net charge-offs to loans | 0.1390% | 4,001 |
| Credit loss provision to net charge-offs | 222.7723% | 1,245 |
| Earnings coverage of net charge-offs (x) | 21.1334% | 1,419 |
| Efficiency ratio | 51.4555% | 6,497 |
| Assets per employee ($millions) | 5.3614% | 1,773 |
| Cash dividends to net income (ytd only)* | 16.8217% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0528% | 5,879 |
| Loan loss allowance to noncurrent loans | 269.8966% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.6225% | 5,112 |
| Noncurrent loans to loans | 0.3901% | 5,681 |
| Net loans and leases to total assets | 71.8055% | 1,585 |
| Net loans and leases to deposits | 95.3764% | 699 |
| Net loans and leases to core deposits | 98.8366% | 1,201 |
| Total domestic deposits to total assets | 75.2865% | 6,478 |
| Equity capital to assets | 10.4221% | 3,931 |
| Core capital (leverage) ratio | 10.1182% | 3,379 |
| Tier 1 risk-based capital ratio | 12.1784% | 5,843 |
| Total risk-based capital ratio | 13.0994% | 6,009 |
| Memoranda: | ||
| Average total assets | $273,963,750 | 2,333 |
| Average earning assets | $256,773,000 | 2,284 |
| Average equity | $27,391,250 | 2,471 |
| Average total loans | $193,725,250 | 2,088 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7310% | 2,793 |
| Cost of funding earning assets | 1.2847% | 560 |
| Net interest margin | 3.4463% | 4,895 |
| Noninterest income to average assets | 0.9499% | 1,613 |
| Noninterest expense to average assets | 2.1923% | 6,031 |
| Loan and lease loss provision to assets | 0.2189% | 2,885 |
| Net operating income to assets | 1.2008% | 1,715 |
| Return on assets (ROA) | 1.2008% | 1,911 |
| Pretax return on assets | 1.7699% | 1,095 |
| Return on Equity (ROE) | 12.1824% | 1,610 |
| Retained earnings to average equity (ytd only) | 8.9702% | 1,290 |
| Net charge-offs to loans | 0.0999% | 4,168 |
| Credit loss provision to net charge-offs | 312.5000% | 941 |
| Earnings coverage of net charge-offs (x) | 28.3958% | 1,110 |
| Efficiency ratio | 52.4341% | 6,465 |
| Assets per employee ($millions) | 5.3318% | 1,793 |
| Cash dividends to net income (ytd only)* | 26.3670% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0609% | 5,922 |
| Loan loss allowance to noncurrent loans | 381.5299% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.5384% | 5,416 |
| Noncurrent loans to loans | 0.2781% | 6,015 |
| Net loans and leases to total assets | 70.1335% | 1,897 |
| Net loans and leases to deposits | 90.8457% | 1,062 |
| Net loans and leases to core deposits | 94.7758% | 1,527 |
| Total domestic deposits to total assets | 77.2006% | 6,296 |
| Equity capital to assets | 10.1151% | 4,170 |
| Core capital (leverage) ratio | 9.7396% | 3,791 |
| Tier 1 risk-based capital ratio | 12.0198% | 5,916 |
| Total risk-based capital ratio | 12.9408% | 6,095 |
| Memoranda: | ||
| Average total assets | $274,142,000 | 2,341 |
| Average earning assets | $257,027,670 | 2,287 |
| Average equity | $27,022,670 | 2,482 |
| Average total loans | $192,158,330 | 2,100 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7458% | 2,861 |
| Cost of funding earning assets | 1.3553% | 500 |
| Net interest margin | 3.3905% | 5,153 |
| Noninterest income to average assets | 0.9606% | 1,535 |
| Noninterest expense to average assets | 2.2336% | 5,956 |
| Loan and lease loss provision to assets | 0.2180% | 2,757 |
| Net operating income to assets | 1.1524% | 1,874 |
| Return on assets (ROA) | 1.1524% | 2,055 |
| Pretax return on assets | 1.6901% | 1,327 |
| Return on Equity (ROE) | 11.8440% | 1,718 |
| Retained earnings to average equity (ytd only) | 11.8440% | 845 |
| Net charge-offs to loans | 0.0083% | 4,612 |
| Credit loss provision to net charge-offs | 3,750.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 328.2500% | 98 |
| Efficiency ratio | 53.9298% | 6,359 |
| Assets per employee ($millions) | 5.5249% | 1,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0461% | 6,096 |
| Loan loss allowance to noncurrent loans | 264.9333% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.5955% | 5,401 |
| Noncurrent loans to loans | 0.3949% | 5,887 |
| Net loans and leases to total assets | 66.7037% | 2,351 |
| Net loans and leases to deposits | 86.9990% | 1,291 |
| Net loans and leases to core deposits | 90.2257% | 1,829 |
| Total domestic deposits to total assets | 76.6718% | 6,457 |
| Equity capital to assets | 9.6057% | 4,642 |
| Core capital (leverage) ratio | 9.5565% | 3,973 |
| Tier 1 risk-based capital ratio | 12.8467% | 5,329 |
| Total risk-based capital ratio | 13.8184% | 5,515 |
| Memoranda: | ||
| Average total assets | $275,253,000 | 2,347 |
| Average earning assets | $258,249,000 | 2,296 |
| Average equity | $26,781,500 | 2,493 |
| Average total loans | $191,861,500 | 2,112 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0642% | 2,584 |
| Cost of funding earning assets | 1.5657% | 546 |
| Net interest margin | 3.4985% | 5,151 |
| Noninterest income to average assets | 0.8287% | 1,930 |
| Noninterest expense to average assets | 2.3488% | 5,911 |
| Loan and lease loss provision to assets | 0.1998% | 4,190 |
| Net operating income to assets | 1.0756% | 1,904 |
| Return on assets (ROA) | 1.0756% | 2,043 |
| Pretax return on assets | 1.5631% | 1,299 |
| Return on Equity (ROE) | 11.3126% | 1,616 |
| Retained earnings to average equity (ytd only) | 8.0057% | 1,076 |
| Net charge-offs to loans | 0.1644% | 4,837 |
| Credit loss provision to net charge-offs | 169.8718% | 1,582 |
| Earnings coverage of net charge-offs (x) | 14.9872% | 1,427 |
| Efficiency ratio | 57.1245% | 6,173 |
| Assets per employee ($millions) | 5.1680% | 1,979 |
| Cash dividends to net income (ytd only)* | 29.2324% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9500% | 6,397 |
| Loan loss allowance to noncurrent loans | 295.5056% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.5593% | 5,574 |
| Noncurrent loans to loans | 0.3215% | 6,090 |
| Net loans and leases to total assets | 71.4247% | 1,743 |
| Net loans and leases to deposits | 92.6210% | 910 |
| Net loans and leases to core deposits | 96.2034% | 1,475 |
| Total domestic deposits to total assets | 77.1151% | 6,323 |
| Equity capital to assets | 9.8599% | 4,356 |
| Core capital (leverage) ratio | 9.4486% | 4,113 |
| Tier 1 risk-based capital ratio | 12.4661% | 5,479 |
| Total risk-based capital ratio | 13.3669% | 5,728 |
| Memoranda: | ||
| Average total assets | $265,243,000 | 2,376 |
| Average earning assets | $248,905,400 | 2,314 |
| Average equity | $25,219,600 | 2,555 |
| Average total loans | $189,770,200 | 2,133 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0609% | 2,798 |
| Cost of funding earning assets | 1.6033% | 571 |
| Net interest margin | 3.4576% | 5,366 |
| Noninterest income to average assets | 0.8528% | 1,825 |
| Noninterest expense to average assets | 2.3446% | 5,921 |
| Loan and lease loss provision to assets | 0.2169% | 3,847 |
| Net operating income to assets | 1.0596% | 2,106 |
| Return on assets (ROA) | 1.0596% | 2,249 |
| Pretax return on assets | 1.5357% | 1,560 |
| Return on Equity (ROE) | 11.2499% | 1,780 |
| Retained earnings to average equity (ytd only) | 9.1081% | 1,108 |
| Net charge-offs to loans | 0.0629% | 5,340 |
| Credit loss provision to net charge-offs | 483.1461% | 578 |
| Earnings coverage of net charge-offs (x) | 39.0462% | 783 |
| Efficiency ratio | 57.2255% | 6,111 |
| Assets per employee ($millions) | 5.0216% | 2,167 |
| Cash dividends to net income (ytd only)* | 19.0386% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0088% | 6,225 |
| Loan loss allowance to noncurrent loans | 160.8518% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.6741% | 5,453 |
| Noncurrent loans to loans | 0.6272% | 5,635 |
| Net loans and leases to total assets | 71.0712% | 1,888 |
| Net loans and leases to deposits | 96.3731% | 680 |
| Net loans and leases to core deposits | 99.7443% | 1,267 |
| Total domestic deposits to total assets | 73.7459% | 6,790 |
| Equity capital to assets | 9.6353% | 4,881 |
| Core capital (leverage) ratio | 9.4555% | 4,219 |
| Tier 1 risk-based capital ratio | 12.1919% | 5,747 |
| Total risk-based capital ratio | 13.1436% | 5,949 |
| Memoranda: | ||
| Average total assets | $264,369,750 | 2,398 |
| Average earning assets | $248,063,750 | 2,337 |
| Average equity | $24,900,250 | 2,584 |
| Average total loans | $188,766,500 | 2,161 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0860% | 2,747 |
| Cost of funding earning assets | 1.6410% | 584 |
| Net interest margin | 3.4449% | 5,388 |
| Noninterest income to average assets | 0.8607% | 1,769 |
| Noninterest expense to average assets | 2.3762% | 5,917 |
| Loan and lease loss provision to assets | 0.2289% | 3,623 |
| Net operating income to assets | 1.0294% | 2,108 |
| Return on assets (ROA) | 1.0294% | 2,200 |
| Pretax return on assets | 1.4834% | 1,578 |
| Return on Equity (ROE) | 11.0163% | 1,791 |
| Retained earnings to average equity (ytd only) | 7.7498% | 1,554 |
| Net charge-offs to loans | 0.0375% | 5,326 |
| Credit loss provision to net charge-offs | 857.1429% | 376 |
| Earnings coverage of net charge-offs (x) | 64.1143% | 510 |
| Efficiency ratio | 58.1187% | 6,145 |
| Assets per employee ($millions) | 4.7629% | 2,460 |
| Cash dividends to net income (ytd only)* | 29.6516% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 6,329 |
| Loan loss allowance to noncurrent loans | 89.3094% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 1.0097% | 4,857 |
| Noncurrent loans to loans | 1.1209% | 4,795 |
| Net loans and leases to total assets | 70.0013% | 2,219 |
| Net loans and leases to deposits | 91.1448% | 1,143 |
| Net loans and leases to core deposits | 94.0785% | 1,885 |
| Total domestic deposits to total assets | 76.8023% | 6,481 |
| Equity capital to assets | 9.4262% | 4,928 |
| Core capital (leverage) ratio | 9.0932% | 4,581 |
| Tier 1 risk-based capital ratio | 12.8247% | 5,072 |
| Total risk-based capital ratio | 13.8168% | 5,247 |
| Memoranda: | ||
| Average total assets | $262,103,330 | 2,440 |
| Average earning assets | $245,577,000 | 2,367 |
| Average equity | $24,491,000 | 2,611 |
| Average total loans | $186,793,000 | 2,205 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0842% | 2,720 |
| Cost of funding earning assets | 1.6427% | 693 |
| Net interest margin | 3.4415% | 5,254 |
| Noninterest income to average assets | 0.8006% | 2,032 |
| Noninterest expense to average assets | 2.3850% | 5,928 |
| Loan and lease loss provision to assets | 0.2310% | 3,342 |
| Net operating income to assets | 0.9808% | 2,245 |
| Return on assets (ROA) | 0.9808% | 2,303 |
| Pretax return on assets | 1.4104% | 1,700 |
| Return on Equity (ROE) | 10.5440% | 1,897 |
| Retained earnings to average equity (ytd only) | 10.5440% | 984 |
| Net charge-offs to loans | -0.0043% | 6,223 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2352% | 6,092 |
| Assets per employee ($millions) | 4.8492% | 2,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9503% | 6,543 |
| Loan loss allowance to noncurrent loans | 91.1659% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.9857% | 4,936 |
| Noncurrent loans to loans | 1.0424% | 4,969 |
| Net loans and leases to total assets | 70.6509% | 1,992 |
| Net loans and leases to deposits | 93.2122% | 900 |
| Net loans and leases to core deposits | 96.8531% | 1,606 |
| Total domestic deposits to total assets | 75.7958% | 6,698 |
| Equity capital to assets | 9.3609% | 4,636 |
| Core capital (leverage) ratio | 9.2931% | 4,131 |
| Tier 1 risk-based capital ratio | 12.7428% | 5,022 |
| Total risk-based capital ratio | 13.6815% | 5,308 |
| Memoranda: | ||
| Average total assets | $259,792,500 | 2,474 |
| Average earning assets | $243,497,500 | 2,413 |
| Average equity | $24,165,500 | 2,630 |
| Average total loans | $185,890,000 | 2,240 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3895% | 2,723 |
| Cost of funding earning assets | 1.9401% | 741 |
| Net interest margin | 3.4494% | 5,434 |
| Noninterest income to average assets | 0.8760% | 1,944 |
| Noninterest expense to average assets | 2.4065% | 6,080 |
| Loan and lease loss provision to assets | 0.2291% | 4,988 |
| Net operating income to assets | 1.0292% | 1,938 |
| Return on assets (ROA) | 1.0322% | 2,035 |
| Pretax return on assets | 1.4789% | 1,427 |
| Return on Equity (ROE) | 11.1646% | 1,537 |
| Retained earnings to average equity (ytd only) | 7.7346% | 1,065 |
| Net charge-offs to loans | 0.3040% | 4,496 |
| Credit loss provision to net charge-offs | 104.3321% | 4,308 |
| Earnings coverage of net charge-offs (x) | 7.7581% | 2,070 |
| Efficiency ratio | 58.5495% | 6,276 |
| Assets per employee ($millions) | 4.8628% | 2,331 |
| Cash dividends to net income (ytd only)* | 30.7220% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8773% | 6,780 |
| Loan loss allowance to noncurrent loans | 62.3991% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 1.2110% | 4,603 |
| Noncurrent loans to loans | 1.4059% | 4,378 |
| Net loans and leases to total assets | 71.1516% | 2,270 |
| Net loans and leases to deposits | 91.9783% | 1,267 |
| Net loans and leases to core deposits | 95.9201% | 2,023 |
| Total domestic deposits to total assets | 77.3569% | 6,427 |
| Equity capital to assets | 9.2418% | 4,768 |
| Core capital (leverage) ratio | 9.1130% | 4,332 |
| Tier 1 risk-based capital ratio | 12.4866% | 5,034 |
| Total risk-based capital ratio | 13.3504% | 5,369 |
| Memoranda: | ||
| Average total assets | $252,274,000 | 2,523 |
| Average earning assets | $236,534,400 | 2,464 |
| Average equity | $23,323,800 | 2,720 |
| Average total loans | $182,247,000 | 2,330 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4239% | 2,772 |
| Cost of funding earning assets | 2.0068% | 738 |
| Net interest margin | 3.4171% | 5,614 |
| Noninterest income to average assets | 0.8587% | 1,961 |
| Noninterest expense to average assets | 2.4051% | 6,021 |
| Loan and lease loss provision to assets | 0.2274% | 4,798 |
| Net operating income to assets | 1.0087% | 2,205 |
| Return on assets (ROA) | 1.0128% | 2,309 |
| Pretax return on assets | 1.4369% | 1,781 |
| Return on Equity (ROE) | 10.9538% | 1,798 |
| Retained earnings to average equity (ytd only) | 8.6550% | 1,180 |
| Net charge-offs to loans | 0.0889% | 5,639 |
| Credit loss provision to net charge-offs | 353.7190% | 885 |
| Earnings coverage of net charge-offs (x) | 25.7933% | 985 |
| Efficiency ratio | 59.1866% | 6,085 |
| Assets per employee ($millions) | 4.6874% | 2,616 |
| Cash dividends to net income (ytd only)* | 20.9864% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0364% | 6,234 |
| Loan loss allowance to noncurrent loans | 77.2912% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 1.1947% | 4,751 |
| Noncurrent loans to loans | 1.3410% | 4,620 |
| Net loans and leases to total assets | 71.8996% | 2,273 |
| Net loans and leases to deposits | 93.5101% | 1,261 |
| Net loans and leases to core deposits | 100.2479% | 1,829 |
| Total domestic deposits to total assets | 76.8897% | 6,503 |
| Equity capital to assets | 9.5172% | 4,816 |
| Core capital (leverage) ratio | 9.0242% | 4,657 |
| Tier 1 risk-based capital ratio | 12.4509% | 5,033 |
| Total risk-based capital ratio | 13.4755% | 5,214 |
| Memoranda: | ||
| Average total assets | $250,910,000 | 2,570 |
| Average earning assets | $235,323,500 | 2,518 |
| Average equity | $23,200,000 | 2,778 |
| Average total loans | $181,558,250 | 2,376 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4287% | 2,850 |
| Cost of funding earning assets | 2.0253% | 839 |
| Net interest margin | 3.4034% | 5,631 |
| Noninterest income to average assets | 0.8266% | 1,988 |
| Noninterest expense to average assets | 2.3935% | 6,082 |
| Loan and lease loss provision to assets | 0.2222% | 4,676 |
| Net operating income to assets | 0.9926% | 2,232 |
| Return on assets (ROA) | 0.9897% | 2,317 |
| Pretax return on assets | 1.3974% | 1,848 |
| Return on Equity (ROE) | 10.8107% | 1,811 |
| Retained earnings to average equity (ytd only) | 7.3177% | 1,711 |
| Net charge-offs to loans | 0.0144% | 6,139 |
| Credit loss provision to net charge-offs | 2,138.4615% | 190 |
| Earnings coverage of net charge-offs (x) | 156.2308% | 225 |
| Efficiency ratio | 59.5821% | 6,125 |
| Assets per employee ($millions) | 4.6427% | 2,661 |
| Cash dividends to net income (ytd only)* | 32.3102% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0152% | 6,332 |
| Loan loss allowance to noncurrent loans | 59.9743% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 1.3233% | 4,505 |
| Noncurrent loans to loans | 1.6927% | 4,150 |
| Net loans and leases to total assets | 71.1768% | 2,619 |
| Net loans and leases to deposits | 91.9504% | 1,541 |
| Net loans and leases to core deposits | 98.5196% | 2,174 |
| Total domestic deposits to total assets | 77.4079% | 6,410 |
| Equity capital to assets | 9.1275% | 5,255 |
| Core capital (leverage) ratio | 8.8360% | 4,852 |
| Tier 1 risk-based capital ratio | 12.1512% | 5,173 |
| Total risk-based capital ratio | 13.1581% | 5,369 |
| Memoranda: | ||
| Average total assets | $250,173,000 | 2,599 |
| Average earning assets | $234,532,000 | 2,545 |
| Average equity | $22,903,330 | 2,809 |
| Average total loans | $180,778,000 | 2,416 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3822% | 3,130 |
| Cost of funding earning assets | 2.0319% | 996 |
| Net interest margin | 3.3504% | 5,785 |
| Noninterest income to average assets | 0.7416% | 2,354 |
| Noninterest expense to average assets | 2.3943% | 6,108 |
| Loan and lease loss provision to assets | 0.2068% | 4,433 |
| Net operating income to assets | 0.9225% | 2,464 |
| Return on assets (ROA) | 0.9225% | 2,528 |
| Pretax return on assets | 1.2893% | 2,076 |
| Return on Equity (ROE) | 10.0610% | 2,080 |
| Retained earnings to average equity (ytd only) | 10.0610% | 1,127 |
| Net charge-offs to loans | -0.0580% | 7,385 |
| Credit loss provision to net charge-offs | -492.3077% | 6,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5449% | 5,905 |
| Assets per employee ($millions) | 4.6150% | 2,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9541% | 6,656 |
| Loan loss allowance to noncurrent loans | 78.8574% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 0.9967% | 5,152 |
| Noncurrent loans to loans | 1.2099% | 4,944 |
| Net loans and leases to total assets | 73.0222% | 2,195 |
| Net loans and leases to deposits | 95.7140% | 1,141 |
| Net loans and leases to core deposits | 102.5708% | 1,849 |
| Total domestic deposits to total assets | 76.2921% | 6,706 |
| Equity capital to assets | 9.1990% | 4,988 |
| Core capital (leverage) ratio | 8.9740% | 4,612 |
| Tier 1 risk-based capital ratio | 12.0004% | 5,194 |
| Total risk-based capital ratio | 12.9469% | 5,453 |
| Memoranda: | ||
| Average total assets | $247,584,500 | 2,679 |
| Average earning assets | $232,691,000 | 2,615 |
| Average equity | $22,701,500 | 2,850 |
| Average total loans | $179,360,000 | 2,493 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6770% | 3,223 |
| Cost of funding earning assets | 2.1546% | 2,215 |
| Net interest margin | 3.5224% | 4,858 |
| Noninterest income to average assets | 1.0501% | 1,408 |
| Noninterest expense to average assets | 2.6353% | 5,646 |
| Loan and lease loss provision to assets | 0.1874% | 5,848 |
| Net operating income to assets | 1.0757% | 1,579 |
| Return on assets (ROA) | 1.0757% | 1,628 |
| Pretax return on assets | 1.5481% | 1,078 |
| Return on Equity (ROE) | 11.5921% | 1,264 |
| Retained earnings to average equity (ytd only) | 7.9194% | 722 |
| Net charge-offs to loans | 0.2952% | 4,784 |
| Credit loss provision to net charge-offs | 87.3016% | 6,091 |
| Earnings coverage of net charge-offs (x) | 8.0833% | 2,008 |
| Efficiency ratio | 60.2924% | 6,441 |
| Assets per employee ($millions) | 4.4719% | 2,975 |
| Cash dividends to net income (ytd only)* | 31.6832% | 3,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9138% | 6,752 |
| Loan loss allowance to noncurrent loans | 67.3263% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 1.0803% | 4,932 |
| Noncurrent loans to loans | 1.3572% | 4,653 |
| Net loans and leases to total assets | 70.4952% | 3,131 |
| Net loans and leases to deposits | 90.9123% | 2,062 |
| Net loans and leases to core deposits | 114.5958% | 2,451 |
| Total domestic deposits to total assets | 77.5420% | 6,337 |
| Equity capital to assets | 9.1390% | 4,930 |
| Core capital (leverage) ratio | 9.2262% | 4,084 |
| Tier 1 risk-based capital ratio | 12.1536% | 4,815 |
| Total risk-based capital ratio | 13.0511% | 5,076 |
| Memoranda: | ||
| Average total assets | $234,734,400 | 2,772 |
| Average earning assets | $221,298,000 | 2,686 |
| Average equity | $21,782,000 | 2,973 |
| Average total loans | $170,747,600 | 2,611 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7228% | 3,226 |
| Cost of funding earning assets | 2.1926% | 2,440 |
| Net interest margin | 3.5302% | 4,744 |
| Noninterest income to average assets | 1.0865% | 1,345 |
| Noninterest expense to average assets | 2.6755% | 5,430 |
| Loan and lease loss provision to assets | 0.1466% | 5,894 |
| Net operating income to assets | 1.1003% | 1,731 |
| Return on assets (ROA) | 1.1003% | 1,787 |
| Pretax return on assets | 1.5993% | 1,178 |
| Return on Equity (ROE) | 11.8102% | 1,412 |
| Retained earnings to average equity (ytd only) | 9.3420% | 754 |
| Net charge-offs to loans | 0.2279% | 4,631 |
| Credit loss provision to net charge-offs | 87.9310% | 5,542 |
| Earnings coverage of net charge-offs (x) | 10.4723% | 1,962 |
| Efficiency ratio | 60.5123% | 6,346 |
| Assets per employee ($millions) | 4.3165% | 3,181 |
| Cash dividends to net income (ytd only)* | 20.8986% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9357% | 6,615 |
| Loan loss allowance to noncurrent loans | 77.9320% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 0.9334% | 5,204 |
| Noncurrent loans to loans | 1.2006% | 4,940 |
| Net loans and leases to total assets | 72.6027% | 2,885 |
| Net loans and leases to deposits | 97.2358% | 1,410 |
| Net loans and leases to core deposits | 120.8856% | 2,172 |
| Total domestic deposits to total assets | 74.6666% | 6,834 |
| Equity capital to assets | 9.4592% | 4,801 |
| Core capital (leverage) ratio | 9.1629% | 4,396 |
| Tier 1 risk-based capital ratio | 12.1172% | 4,864 |
| Total risk-based capital ratio | 13.0371% | 5,110 |
| Memoranda: | ||
| Average total assets | $231,928,750 | 2,819 |
| Average earning assets | $219,096,000 | 2,735 |
| Average equity | $21,608,000 | 3,020 |
| Average total loans | $169,687,750 | 2,653 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7524% | 3,283 |
| Cost of funding earning assets | 2.2427% | 2,612 |
| Net interest margin | 3.5097% | 4,758 |
| Noninterest income to average assets | 1.1612% | 1,160 |
| Noninterest expense to average assets | 2.6945% | 5,401 |
| Loan and lease loss provision to assets | 0.1043% | 6,125 |
| Net operating income to assets | 1.1438% | 1,623 |
| Return on assets (ROA) | 1.1438% | 1,710 |
| Pretax return on assets | 1.6732% | 1,073 |
| Return on Equity (ROE) | 12.3423% | 1,326 |
| Retained earnings to average equity (ytd only) | 8.5909% | 1,044 |
| Net charge-offs to loans | 0.1129% | 5,030 |
| Credit loss provision to net charge-offs | 126.3158% | 3,676 |
| Earnings coverage of net charge-offs (x) | 21.5263% | 1,263 |
| Efficiency ratio | 60.2527% | 6,505 |
| Assets per employee ($millions) | 4.2373% | 3,224 |
| Cash dividends to net income (ytd only)* | 30.3951% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9926% | 6,308 |
| Loan loss allowance to noncurrent loans | 107.1066% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.7612% | 5,498 |
| Noncurrent loans to loans | 0.9268% | 5,366 |
| Net loans and leases to total assets | 72.2441% | 3,151 |
| Net loans and leases to deposits | 94.2852% | 2,050 |
| Net loans and leases to core deposits | 114.1696% | 2,893 |
| Total domestic deposits to total assets | 76.6229% | 6,412 |
| Equity capital to assets | 9.2777% | 4,911 |
| Core capital (leverage) ratio | 8.8997% | 4,785 |
| Tier 1 risk-based capital ratio | 11.8892% | 5,009 |
| Total risk-based capital ratio | 12.8519% | 5,219 |
| Memoranda: | ||
| Average total assets | $230,101,670 | 2,861 |
| Average earning assets | $217,056,670 | 2,783 |
| Average equity | $21,325,000 | 3,059 |
| Average total loans | $168,252,330 | 2,703 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8090% | 3,250 |
| Cost of funding earning assets | 2.2724% | 2,825 |
| Net interest margin | 3.5367% | 4,581 |
| Noninterest income to average assets | 1.1250% | 1,169 |
| Noninterest expense to average assets | 2.6401% | 5,264 |
| Loan and lease loss provision to assets | 0.1050% | 5,624 |
| Net operating income to assets | 1.1652% | 1,759 |
| Return on assets (ROA) | 1.1652% | 1,876 |
| Pretax return on assets | 1.7128% | 1,150 |
| Return on Equity (ROE) | 12.5800% | 1,488 |
| Retained earnings to average equity (ytd only) | 12.5800% | 698 |
| Net charge-offs to loans | -0.0048% | 7,175 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2229% | 6,521 |
| Assets per employee ($millions) | 4.3187% | 3,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0242% | 5,997 |
| Loan loss allowance to noncurrent loans | 63.8416% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 1.2315% | 4,220 |
| Noncurrent loans to loans | 1.6043% | 3,869 |
| Net loans and leases to total assets | 71.4800% | 3,361 |
| Net loans and leases to deposits | 95.3209% | 2,068 |
| Net loans and leases to core deposits | 112.9190% | 3,114 |
| Total domestic deposits to total assets | 74.9889% | 6,717 |
| Equity capital to assets | 9.1998% | 5,086 |
| Core capital (leverage) ratio | 9.0572% | 4,612 |
| Tier 1 risk-based capital ratio | 11.8895% | 5,050 |
| Total risk-based capital ratio | 12.8853% | 5,182 |
| Memoranda: | ||
| Average total assets | $228,626,000 | 2,884 |
| Average earning assets | $215,458,000 | 2,817 |
| Average equity | $21,176,500 | 3,096 |
| Average total loans | $167,351,000 | 2,735 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4188% | 3,316 |
| Cost of funding earning assets | 2.8952% | 2,287 |
| Net interest margin | 3.5236% | 5,217 |
| Noninterest income to average assets | 0.9857% | 1,625 |
| Noninterest expense to average assets | 2.5747% | 5,737 |
| Loan and lease loss provision to assets | 0.1109% | 5,951 |
| Net operating income to assets | 1.1146% | 2,087 |
| Return on assets (ROA) | 1.1146% | 2,004 |
| Pretax return on assets | 1.6287% | 1,317 |
| Return on Equity (ROE) | 12.1954% | 1,548 |
| Retained earnings to average equity (ytd only) | 8.1673% | 794 |
| Net charge-offs to loans | 0.1415% | 4,802 |
| Credit loss provision to net charge-offs | 107.6233% | 4,984 |
| Earnings coverage of net charge-offs (x) | 16.8879% | 1,808 |
| Efficiency ratio | 59.6788% | 6,404 |
| Assets per employee ($millions) | 4.1489% | 3,216 |
| Cash dividends to net income (ytd only)* | 33.0294% | 3,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 6,057 |
| Loan loss allowance to noncurrent loans | 146.9081% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.5053% | 5,673 |
| Noncurrent loans to loans | 0.6808% | 5,336 |
| Net loans and leases to total assets | 73.4753% | 3,236 |
| Net loans and leases to deposits | 95.6997% | 2,488 |
| Net loans and leases to core deposits | 112.8359% | 3,465 |
| Total domestic deposits to total assets | 76.7769% | 6,042 |
| Equity capital to assets | 9.3278% | 4,904 |
| Core capital (leverage) ratio | 9.0926% | 4,600 |
| Tier 1 risk-based capital ratio | 11.7549% | 5,014 |
| Total risk-based capital ratio | 12.7357% | 5,143 |
| Memoranda: | ||
| Average total assets | $216,489,000 | 2,919 |
| Average earning assets | $204,509,200 | 2,847 |
| Average equity | $19,786,200 | 3,264 |
| Average total loans | $157,618,800 | 2,808 |