Home > First National Bank in Olney > Performance and Condition Ratios
First National Bank in Olney, 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 | 4.5278% | 3,045 |
| Cost of funding earning assets | 1.3710% | 2,309 |
| Net interest margin | 3.1568% | 2,968 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.1275% | 3,330 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.0033% | 2,213 |
| Return on assets (ROA) | 1.0265% | 2,111 |
| Pretax return on assets | 1.3989% | 1,636 |
| Return on Equity (ROE) | 11.7600% | 2,018 |
| Retained earnings to average equity (ytd only) | 6.8376% | 1,940 |
| Net charge-offs to loans | 0.0711% | 1,142 |
| Credit loss provision to net charge-offs | 40.8537% | 2,233 |
| Earnings coverage of net charge-offs (x) | 36.6037% | 1,503 |
| Efficiency ratio | 60.6593% | 3,008 |
| Assets per employee ($millions) | 6.4664% | 2,439 |
| Cash dividends to net income (ytd only)* | 41.8495% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0606% | 3,023 |
| Loan loss allowance to noncurrent loans | 164.4602% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.3591% | 1,527 |
| Noncurrent loans to loans | 0.6449% | 1,216 |
| Net loans and leases to total assets | 55.1000% | 3,270 |
| Net loans and leases to deposits | 61.3536% | 3,447 |
| Net loans and leases to core deposits | 67.4258% | 3,435 |
| Total domestic deposits to total assets | 89.8100% | 811 |
| Equity capital to assets | 9.4071% | 2,418 |
| Core capital (leverage) ratio | 10.5618% | 2,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $435,055,600 | 1,901 |
| Average earning assets | $411,235,800 | 1,876 |
| Average equity | $37,981,200 | 1,940 |
| Average total loans | $230,820,200 | 2,098 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3847% | 3,129 |
| Cost of funding earning assets | 1.2404% | 2,300 |
| Net interest margin | 3.1443% | 3,043 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 2.0481% | 3,476 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 0.9450% | 2,528 |
| Return on assets (ROA) | 0.9760% | 2,428 |
| Pretax return on assets | 1.3422% | 1,919 |
| Return on Equity (ROE) | 11.4000% | 2,278 |
| Retained earnings to average equity (ytd only) | 9.5687% | 1,530 |
| Net charge-offs to loans | 0.2705% | 320 |
| Credit loss provision to net charge-offs | 110.5832% | 1,545 |
| Earnings coverage of net charge-offs (x) | 10.3045% | 2,131 |
| Efficiency ratio | 58.3719% | 3,158 |
| Assets per employee ($millions) | 6.1931% | 2,575 |
| Cash dividends to net income (ytd only)* | 16.0602% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 2,496 |
| Loan loss allowance to noncurrent loans | 182.4005% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.3421% | 1,661 |
| Noncurrent loans to loans | 0.6443% | 1,271 |
| Net loans and leases to total assets | 52.4700% | 3,461 |
| Net loans and leases to deposits | 58.0909% | 3,603 |
| Net loans and leases to core deposits | 63.2314% | 3,568 |
| Total domestic deposits to total assets | 90.3200% | 855 |
| Equity capital to assets | 8.5153% | 2,720 |
| Core capital (leverage) ratio | 10.7993% | 2,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $435,507,250 | 1,903 |
| Average earning assets | $411,150,500 | 1,867 |
| Average equity | $37,287,500 | 1,955 |
| Average total loans | $228,203,750 | 2,108 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2510% | 3,196 |
| Cost of funding earning assets | 1.1086% | 2,256 |
| Net interest margin | 3.1424% | 3,128 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.1006% | 3,345 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | 1.0018% | 2,412 |
| Return on assets (ROA) | 1.0482% | 2,263 |
| Pretax return on assets | 1.4274% | 1,749 |
| Return on Equity (ROE) | 12.2200% | 2,089 |
| Retained earnings to average equity (ytd only) | 9.4837% | 1,552 |
| Net charge-offs to loans | 0.0993% | 682 |
| Credit loss provision to net charge-offs | -30.9735% | 4,515 |
| Earnings coverage of net charge-offs (x) | 25.8407% | 1,620 |
| Efficiency ratio | 61.0719% | 2,833 |
| Assets per employee ($millions) | 6.2322% | 2,519 |
| Cash dividends to net income (ytd only)* | 22.3972% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1179% | 2,862 |
| Loan loss allowance to noncurrent loans | 124.8382% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 0.5425% | 1,001 |
| Noncurrent loans to loans | 0.8955% | 855 |
| Net loans and leases to total assets | 51.5900% | 3,441 |
| Net loans and leases to deposits | 57.8189% | 3,548 |
| Net loans and leases to core deposits | 61.0076% | 3,576 |
| Total domestic deposits to total assets | 89.2200% | 1,166 |
| Equity capital to assets | 8.9639% | 2,535 |
| Core capital (leverage) ratio | 10.5732% | 2,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $436,171,000 | 1,895 |
| Average earning assets | $411,526,667 | 1,871 |
| Average equity | $37,411,667 | 1,961 |
| Average total loans | $227,552,333 | 2,110 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0791% | 3,295 |
| Cost of funding earning assets | 1.0333% | 1,939 |
| Net interest margin | 3.0458% | 3,478 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.0890% | 3,406 |
| Loan and lease loss provision to assets | -0.1000% | 4,576 |
| Net operating income to assets | 0.9934% | 2,555 |
| Return on assets (ROA) | 1.0855% | 2,241 |
| Pretax return on assets | 1.4452% | 1,781 |
| Return on Equity (ROE) | 12.9400% | 2,000 |
| Retained earnings to average equity (ytd only) | 12.9410% | 1,107 |
| Net charge-offs to loans | 0.0419% | 940 |
| Credit loss provision to net charge-offs | -354.1667% | 4,619 |
| Earnings coverage of net charge-offs (x) | 56.0000% | 1,053 |
| Efficiency ratio | 63.0566% | 2,560 |
| Assets per employee ($millions) | 6.4116% | 2,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1505% | 2,819 |
| Loan loss allowance to noncurrent loans | 130.2147% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 0.5384% | 957 |
| Noncurrent loans to loans | 0.8835% | 854 |
| Net loans and leases to total assets | 49.4700% | 3,533 |
| Net loans and leases to deposits | 55.2668% | 3,614 |
| Net loans and leases to core deposits | 57.4381% | 3,660 |
| Total domestic deposits to total assets | 89.5100% | 1,339 |
| Equity capital to assets | 8.6526% | 2,779 |
| Core capital (leverage) ratio | 10.3197% | 2,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $439,244,500 | 1,910 |
| Average earning assets | $413,032,000 | 1,891 |
| Average equity | $36,844,000 | 2,013 |
| Average total loans | $229,153,500 | 2,121 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3427% | 3,489 |
| Cost of funding earning assets | 0.4861% | 1,492 |
| Net interest margin | 2.8566% | 3,778 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 1.9777% | 3,644 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.8458% | 3,173 |
| Return on assets (ROA) | 0.8462% | 3,099 |
| Pretax return on assets | 1.1101% | 2,737 |
| Return on Equity (ROE) | 9.1500% | 3,085 |
| Retained earnings to average equity (ytd only) | 4.4864% | 3,240 |
| Net charge-offs to loans | 0.0770% | 874 |
| Credit loss provision to net charge-offs | 203.4884% | 1,108 |
| Earnings coverage of net charge-offs (x) | 29.8023% | 1,689 |
| Efficiency ratio | 62.4138% | 2,707 |
| Assets per employee ($millions) | 6.2299% | 2,566 |
| Cash dividends to net income (ytd only)* | 50.9610% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1582% | 2,602 |
| Loan loss allowance to noncurrent loans | 148.8877% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 0.5260% | 956 |
| Noncurrent loans to loans | 0.7779% | 955 |
| Net loans and leases to total assets | 53.7000% | 3,229 |
| Net loans and leases to deposits | 59.0906% | 3,388 |
| Net loans and leases to core deposits | 60.9209% | 3,454 |
| Total domestic deposits to total assets | 90.8800% | 999 |
| Equity capital to assets | 8.1197% | 2,981 |
| Core capital (leverage) ratio | 10.3213% | 2,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $430,398,600 | 1,919 |
| Average earning assets | $408,323,200 | 1,887 |
| Average equity | $39,809,000 | 1,921 |
| Average total loans | $223,395,400 | 2,090 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1665% | 3,519 |
| Cost of funding earning assets | 0.3684% | 1,542 |
| Net interest margin | 2.7981% | 3,741 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 1.9239% | 3,690 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.8667% | 3,013 |
| Return on assets (ROA) | 0.8672% | 2,984 |
| Pretax return on assets | 1.1413% | 2,588 |
| Return on Equity (ROE) | 9.0900% | 3,004 |
| Retained earnings to average equity (ytd only) | 7.4244% | 2,223 |
| Net charge-offs to loans | 0.0982% | 628 |
| Credit loss provision to net charge-offs | 169.7531% | 1,061 |
| Earnings coverage of net charge-offs (x) | 24.3519% | 1,630 |
| Efficiency ratio | 61.0755% | 2,956 |
| Assets per employee ($millions) | 6.1197% | 2,654 |
| Cash dividends to net income (ytd only)* | 18.3513% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1861% | 2,605 |
| Loan loss allowance to noncurrent loans | 102.4866% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 0.6816% | 761 |
| Noncurrent loans to loans | 1.1573% | 638 |
| Net loans and leases to total assets | 52.8600% | 3,198 |
| Net loans and leases to deposits | 58.5040% | 3,311 |
| Net loans and leases to core deposits | 60.0756% | 3,382 |
| Total domestic deposits to total assets | 90.3500% | 1,502 |
| Equity capital to assets | 8.2189% | 2,738 |
| Core capital (leverage) ratio | 10.4284% | 2,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $428,975,750 | 1,934 |
| Average earning assets | $408,976,250 | 1,891 |
| Average equity | $40,909,000 | 1,920 |
| Average total loans | $220,014,500 | 2,108 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9442% | 3,691 |
| Cost of funding earning assets | 0.3091% | 1,640 |
| Net interest margin | 2.6351% | 3,841 |
| Noninterest income to average assets | 0.4842% | 2,286 |
| Noninterest expense to average assets | 1.8900% | 3,729 |
| Loan and lease loss provision to assets | 0.1044% | 956 |
| Net operating income to assets | 0.7695% | 3,068 |
| Return on assets (ROA) | 0.7695% | 3,031 |
| Pretax return on assets | 1.0083% | 2,701 |
| Return on Equity (ROE) | 7.7204% | 3,097 |
| Retained earnings to average equity (ytd only) | 5.3377% | 2,573 |
| Net charge-offs to loans | -0.0422% | 4,168 |
| Credit loss provision to net charge-offs | -489.1304% | 3,373 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9441% | 2,928 |
| Assets per employee ($millions) | 6.2266% | 2,545 |
| Cash dividends to net income (ytd only)* | 30.8620% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3103% | 2,144 |
| Loan loss allowance to noncurrent loans | 122.2318% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 0.5861% | 955 |
| Noncurrent loans to loans | 1.0720% | 769 |
| Net loans and leases to total assets | 49.7328% | 3,398 |
| Net loans and leases to deposits | 55.4864% | 3,422 |
| Net loans and leases to core deposits | 57.0373% | 3,488 |
| Total domestic deposits to total assets | 89.6306% | 1,885 |
| Equity capital to assets | 8.8565% | 2,489 |
| Core capital (leverage) ratio | 10.1528% | 2,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $431,215,333 | 1,931 |
| Average earning assets | $412,131,000 | 1,906 |
| Average equity | $42,977,000 | 1,898 |
| Average total loans | $218,064,000 | 2,121 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7985% | 3,749 |
| Cost of funding earning assets | 0.2907% | 1,740 |
| Net interest margin | 2.5078% | 3,892 |
| Noninterest income to average assets | 0.4907% | 2,190 |
| Noninterest expense to average assets | 1.8694% | 3,755 |
| Loan and lease loss provision to assets | 0.0694% | 1,179 |
| Net operating income to assets | 0.7444% | 2,877 |
| Return on assets (ROA) | 0.7444% | 2,872 |
| Pretax return on assets | 0.9565% | 2,587 |
| Return on Equity (ROE) | 7.0775% | 3,013 |
| Retained earnings to average equity (ytd only) | 7.0775% | 1,869 |
| Net charge-offs to loans | -0.1371% | 4,532 |
| Credit loss provision to net charge-offs | -100.0000% | 2,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5667% | 2,959 |
| Assets per employee ($millions) | 6.5737% | 2,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2715% | 2,489 |
| Loan loss allowance to noncurrent loans | 109.3398% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.6121% | 974 |
| Noncurrent loans to loans | 1.1629% | 758 |
| Net loans and leases to total assets | 47.8807% | 3,397 |
| Net loans and leases to deposits | 54.5962% | 3,370 |
| Net loans and leases to core deposits | 56.1606% | 3,434 |
| Total domestic deposits to total assets | 87.6997% | 2,663 |
| Equity capital to assets | 9.6377% | 2,184 |
| Core capital (leverage) ratio | 10.0334% | 2,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $432,004,000 | 1,942 |
| Average earning assets | $414,222,000 | 1,905 |
| Average equity | $45,440,000 | 1,871 |
| Average total loans | $218,842,000 | 2,104 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1478% | 3,587 |
| Cost of funding earning assets | 0.3604% | 1,855 |
| Net interest margin | 2.7874% | 3,692 |
| Noninterest income to average assets | 0.5603% | 2,319 |
| Noninterest expense to average assets | 1.9592% | 3,797 |
| Loan and lease loss provision to assets | 0.0242% | 2,580 |
| Net operating income to assets | 0.9214% | 2,967 |
| Return on assets (ROA) | 0.9288% | 3,009 |
| Pretax return on assets | 1.2527% | 2,513 |
| Return on Equity (ROE) | 7.8777% | 3,253 |
| Retained earnings to average equity (ytd only) | 4.1270% | 3,175 |
| Net charge-offs to loans | 0.2001% | 480 |
| Credit loss provision to net charge-offs | 22.9358% | 2,268 |
| Earnings coverage of net charge-offs (x) | 11.9908% | 2,132 |
| Efficiency ratio | 60.7183% | 3,039 |
| Assets per employee ($millions) | 6.1387% | 2,620 |
| Cash dividends to net income (ytd only)* | 47.6116% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1451% | 3,148 |
| Loan loss allowance to noncurrent loans | 90.1616% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 0.6719% | 961 |
| Noncurrent loans to loans | 1.2701% | 759 |
| Net loans and leases to total assets | 52.2976% | 3,027 |
| Net loans and leases to deposits | 60.9108% | 2,998 |
| Net loans and leases to core deposits | 62.9955% | 3,072 |
| Total domestic deposits to total assets | 85.8593% | 2,957 |
| Equity capital to assets | 11.4342% | 1,543 |
| Core capital (leverage) ratio | 10.3633% | 2,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $412,458,200 | 1,950 |
| Average earning assets | $394,566,600 | 1,924 |
| Average equity | $48,630,800 | 1,804 |
| Average total loans | $217,913,200 | 2,117 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2648% | 3,473 |
| Cost of funding earning assets | 0.3731% | 1,910 |
| Net interest margin | 2.8917% | 3,572 |
| Noninterest income to average assets | 0.5621% | 2,362 |
| Noninterest expense to average assets | 1.9511% | 3,812 |
| Loan and lease loss provision to assets | -0.0488% | 4,451 |
| Net operating income to assets | 1.0604% | 2,689 |
| Return on assets (ROA) | 1.0645% | 2,738 |
| Pretax return on assets | 1.4323% | 2,205 |
| Return on Equity (ROE) | 8.9589% | 3,118 |
| Retained earnings to average equity (ytd only) | 7.5566% | 2,200 |
| Net charge-offs to loans | 0.1448% | 566 |
| Credit loss provision to net charge-offs | -63.8298% | 3,170 |
| Earnings coverage of net charge-offs (x) | 18.0213% | 1,797 |
| Efficiency ratio | 58.6022% | 3,178 |
| Assets per employee ($millions) | 6.1045% | 2,584 |
| Cash dividends to net income (ytd only)* | 15.6527% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1894% | 3,040 |
| Loan loss allowance to noncurrent loans | 103.4525% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 0.7367% | 1,000 |
| Noncurrent loans to loans | 1.1497% | 976 |
| Net loans and leases to total assets | 50.3742% | 3,366 |
| Net loans and leases to deposits | 59.3197% | 3,291 |
| Net loans and leases to core deposits | 61.4283% | 3,368 |
| Total domestic deposits to total assets | 84.9199% | 3,142 |
| Equity capital to assets | 12.0356% | 1,384 |
| Core capital (leverage) ratio | 10.4812% | 2,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $409,679,750 | 1,973 |
| Average earning assets | $392,052,250 | 1,948 |
| Average equity | $48,680,500 | 1,827 |
| Average total loans | $216,370,500 | 2,160 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5088% | 2,870 |
| Cost of funding earning assets | 0.4016% | 1,873 |
| Net interest margin | 3.1072% | 3,012 |
| Noninterest income to average assets | 0.5516% | 2,396 |
| Noninterest expense to average assets | 1.8986% | 3,968 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1991% | 2,194 |
| Return on assets (ROA) | 1.2053% | 2,244 |
| Pretax return on assets | 1.6353% | 1,641 |
| Return on Equity (ROE) | 10.1878% | 2,682 |
| Retained earnings to average equity (ytd only) | 8.0657% | 2,048 |
| Net charge-offs to loans | 0.1349% | 590 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 22.5782% | 1,482 |
| Efficiency ratio | 53.8451% | 3,826 |
| Assets per employee ($millions) | 5.8966% | 2,719 |
| Cash dividends to net income (ytd only)* | 20.8299% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3081% | 2,393 |
| Loan loss allowance to noncurrent loans | 109.4557% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 0.7567% | 1,084 |
| Noncurrent loans to loans | 1.1951% | 1,006 |
| Net loans and leases to total assets | 49.6467% | 3,589 |
| Net loans and leases to deposits | 58.4051% | 3,507 |
| Net loans and leases to core deposits | 60.4833% | 3,586 |
| Total domestic deposits to total assets | 85.0042% | 3,091 |
| Equity capital to assets | 11.7435% | 1,492 |
| Core capital (leverage) ratio | 10.2938% | 2,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $407,872,000 | 1,978 |
| Average earning assets | $390,444,333 | 1,952 |
| Average equity | $48,254,000 | 1,821 |
| Average total loans | $217,953,333 | 2,158 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3567% | 3,323 |
| Cost of funding earning assets | 0.4369% | 1,824 |
| Net interest margin | 2.9198% | 3,469 |
| Noninterest income to average assets | 0.5884% | 2,255 |
| Noninterest expense to average assets | 1.8157% | 4,185 |
| Loan and lease loss provision to assets | 0.1242% | 1,108 |
| Net operating income to assets | 1.0648% | 2,594 |
| Return on assets (ROA) | 1.0773% | 2,632 |
| Pretax return on assets | 1.4669% | 2,081 |
| Return on Equity (ROE) | 9.0714% | 3,008 |
| Retained earnings to average equity (ytd only) | 9.0714% | 1,931 |
| Net charge-offs to loans | -0.0289% | 4,155 |
| Credit loss provision to net charge-offs | -781.2500% | 3,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5463% | 3,842 |
| Assets per employee ($millions) | 5.9541% | 2,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4035% | 1,942 |
| Loan loss allowance to noncurrent loans | 96.4807% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 0.7714% | 1,180 |
| Noncurrent loans to loans | 1.4547% | 864 |
| Net loans and leases to total assets | 51.2897% | 3,514 |
| Net loans and leases to deposits | 59.9034% | 3,495 |
| Net loans and leases to core deposits | 62.0343% | 3,567 |
| Total domestic deposits to total assets | 85.6207% | 2,886 |
| Equity capital to assets | 11.3931% | 1,608 |
| Core capital (leverage) ratio | 10.4165% | 2,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $402,480,000 | 1,987 |
| Average earning assets | $386,332,500 | 1,946 |
| Average equity | $47,798,500 | 1,830 |
| Average total loans | $221,628,000 | 2,141 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6023% | 3,810 |
| Cost of funding earning assets | 0.6012% | 2,298 |
| Net interest margin | 3.0011% | 3,879 |
| Noninterest income to average assets | 0.6166% | 2,154 |
| Noninterest expense to average assets | 2.1089% | 3,917 |
| Loan and lease loss provision to assets | 0.0637% | 3,582 |
| Net operating income to assets | 0.9561% | 2,455 |
| Return on assets (ROA) | 1.1687% | 1,770 |
| Pretax return on assets | 1.5869% | 1,104 |
| Return on Equity (ROE) | 9.3334% | 2,270 |
| Retained earnings to average equity (ytd only) | 4.6927% | 2,426 |
| Net charge-offs to loans | 0.0447% | 2,171 |
| Credit loss provision to net charge-offs | 235.0000% | 1,994 |
| Earnings coverage of net charge-offs (x) | 50.9700% | 1,181 |
| Efficiency ratio | 60.4209% | 3,393 |
| Assets per employee ($millions) | 5.7084% | 2,616 |
| Cash dividends to net income (ytd only)* | 49.7217% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2816% | 2,507 |
| Loan loss allowance to noncurrent loans | 111.8304% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 0.6775% | 1,538 |
| Noncurrent loans to loans | 1.1460% | 1,241 |
| Net loans and leases to total assets | 57.5882% | 3,135 |
| Net loans and leases to deposits | 68.0628% | 3,068 |
| Net loans and leases to core deposits | 70.6321% | 3,216 |
| Total domestic deposits to total assets | 84.6105% | 2,910 |
| Equity capital to assets | 12.3945% | 1,367 |
| Core capital (leverage) ratio | 10.5020% | 2,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $368,964,600 | 1,961 |
| Average earning assets | $353,304,200 | 1,923 |
| Average equity | $46,199,800 | 1,805 |
| Average total loans | $223,518,000 | 2,083 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7336% | 3,714 |
| Cost of funding earning assets | 0.6246% | 2,462 |
| Net interest margin | 3.1090% | 3,717 |
| Noninterest income to average assets | 0.6063% | 2,150 |
| Noninterest expense to average assets | 2.0975% | 3,951 |
| Loan and lease loss provision to assets | 0.0860% | 3,236 |
| Net operating income to assets | 1.0091% | 2,308 |
| Return on assets (ROA) | 1.2793% | 1,507 |
| Pretax return on assets | 1.7406% | 888 |
| Return on Equity (ROE) | 10.1889% | 1,956 |
| Retained earnings to average equity (ytd only) | 8.6959% | 1,077 |
| Net charge-offs to loans | 0.0389% | 2,073 |
| Credit loss provision to net charge-offs | 361.5385% | 1,571 |
| Earnings coverage of net charge-offs (x) | 62.3846% | 1,073 |
| Efficiency ratio | 58.5548% | 3,593 |
| Assets per employee ($millions) | 5.7860% | 2,465 |
| Cash dividends to net income (ytd only)* | 14.6537% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3381% | 2,008 |
| Loan loss allowance to noncurrent loans | 95.6055% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 0.8015% | 1,438 |
| Noncurrent loans to loans | 1.3996% | 1,038 |
| Net loans and leases to total assets | 55.8605% | 3,635 |
| Net loans and leases to deposits | 66.0690% | 3,616 |
| Net loans and leases to core deposits | 69.5362% | 3,655 |
| Total domestic deposits to total assets | 84.5488% | 2,608 |
| Equity capital to assets | 12.5654% | 1,395 |
| Core capital (leverage) ratio | 10.9108% | 1,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $364,162,500 | 1,963 |
| Average earning assets | $348,576,000 | 1,928 |
| Average equity | $45,721,750 | 1,812 |
| Average total loans | $222,786,500 | 2,085 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9382% | 3,500 |
| Cost of funding earning assets | 0.6559% | 2,658 |
| Net interest margin | 3.2824% | 3,430 |
| Noninterest income to average assets | 0.5742% | 2,234 |
| Noninterest expense to average assets | 2.1508% | 3,926 |
| Loan and lease loss provision to assets | 0.0898% | 3,147 |
| Net operating income to assets | 1.0495% | 2,152 |
| Return on assets (ROA) | 1.3976% | 1,210 |
| Pretax return on assets | 1.9117% | 661 |
| Return on Equity (ROE) | 11.1346% | 1,592 |
| Retained earnings to average equity (ytd only) | 8.8451% | 1,051 |
| Net charge-offs to loans | 0.0357% | 2,022 |
| Credit loss provision to net charge-offs | 400.0000% | 1,403 |
| Earnings coverage of net charge-offs (x) | 69.5250% | 883 |
| Efficiency ratio | 57.9465% | 3,692 |
| Assets per employee ($millions) | 5.7228% | 2,429 |
| Cash dividends to net income (ytd only)* | 20.5622% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3149% | 1,927 |
| Loan loss allowance to noncurrent loans | 115.9438% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 0.6675% | 1,840 |
| Noncurrent loans to loans | 1.1341% | 1,386 |
| Net loans and leases to total assets | 57.3664% | 3,568 |
| Net loans and leases to deposits | 67.8811% | 3,580 |
| Net loans and leases to core deposits | 70.6576% | 3,657 |
| Total domestic deposits to total assets | 84.5101% | 2,554 |
| Equity capital to assets | 12.4500% | 1,402 |
| Core capital (leverage) ratio | 11.4069% | 1,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $356,330,000 | 1,978 |
| Average earning assets | $340,608,333 | 1,942 |
| Average equity | $44,725,333 | 1,836 |
| Average total loans | $223,886,667 | 2,053 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2040% | 3,194 |
| Cost of funding earning assets | 0.7194% | 2,843 |
| Net interest margin | 3.4845% | 3,035 |
| Noninterest income to average assets | 0.5659% | 2,203 |
| Noninterest expense to average assets | 2.2891% | 3,794 |
| Loan and lease loss provision to assets | 0.0694% | 2,880 |
| Net operating income to assets | 1.0654% | 1,947 |
| Return on assets (ROA) | 1.5646% | 740 |
| Pretax return on assets | 2.1687% | 321 |
| Return on Equity (ROE) | 12.4105% | 1,009 |
| Retained earnings to average equity (ytd only) | 12.4105% | 381 |
| Net charge-offs to loans | 0.0549% | 1,459 |
| Credit loss provision to net charge-offs | 193.5484% | 1,433 |
| Earnings coverage of net charge-offs (x) | 44.7742% | 969 |
| Efficiency ratio | 58.7641% | 3,903 |
| Assets per employee ($millions) | 4.8744% | 2,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2694% | 2,287 |
| Loan loss allowance to noncurrent loans | 150.2418% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.5661% | 2,299 |
| Noncurrent loans to loans | 0.8449% | 1,923 |
| Net loans and leases to total assets | 62.8365% | 3,211 |
| Net loans and leases to deposits | 73.4430% | 3,329 |
| Net loans and leases to core deposits | 77.7763% | 3,365 |
| Total domestic deposits to total assets | 85.5582% | 2,191 |
| Equity capital to assets | 12.6555% | 1,644 |
| Core capital (leverage) ratio | 11.8835% | 1,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $345,643,000 | 1,977 |
| Average earning assets | $330,259,000 | 1,933 |
| Average equity | $43,576,000 | 1,862 |
| Average total loans | $226,049,000 | 2,014 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2328% | 3,722 |
| Cost of funding earning assets | 0.7493% | 2,925 |
| Net interest margin | 3.4836% | 3,504 |
| Noninterest income to average assets | 0.5287% | 2,587 |
| Noninterest expense to average assets | 2.2829% | 3,983 |
| Loan and lease loss provision to assets | 0.1290% | 1,660 |
| Net operating income to assets | 1.0602% | 2,616 |
| Return on assets (ROA) | 1.2348% | 2,015 |
| Pretax return on assets | 1.6601% | 1,304 |
| Return on Equity (ROE) | 9.8999% | 2,342 |
| Retained earnings to average equity (ytd only) | 5.0263% | 2,398 |
| Net charge-offs to loans | 0.0536% | 2,335 |
| Credit loss provision to net charge-offs | 363.6364% | 770 |
| Earnings coverage of net charge-offs (x) | 44.2149% | 1,225 |
| Efficiency ratio | 59.2815% | 3,800 |
| Assets per employee ($millions) | 4.9315% | 2,670 |
| Cash dividends to net income (ytd only)* | 49.2286% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 2,467 |
| Loan loss allowance to noncurrent loans | 145.4020% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.5649% | 2,193 |
| Noncurrent loans to loans | 0.8208% | 1,864 |
| Net loans and leases to total assets | 66.3576% | 2,910 |
| Net loans and leases to deposits | 77.3638% | 3,070 |
| Net loans and leases to core deposits | 82.3703% | 3,091 |
| Total domestic deposits to total assets | 85.7735% | 2,147 |
| Equity capital to assets | 12.5588% | 1,783 |
| Core capital (leverage) ratio | 11.2712% | 2,271 |
| Tier 1 risk-based capital ratio | 16.3300% | 2,281 |
| Total risk-based capital ratio | 17.4839% | 2,264 |
| Memoranda: | ||
| Average total assets | $341,185,600 | 1,941 |
| Average earning assets | $325,384,200 | 1,901 |
| Average equity | $42,556,000 | 1,832 |
| Average total loans | $225,682,400 | 1,982 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1974% | 3,923 |
| Cost of funding earning assets | 0.7340% | 3,045 |
| Net interest margin | 3.4635% | 3,686 |
| Noninterest income to average assets | 0.5123% | 2,652 |
| Noninterest expense to average assets | 2.2815% | 3,999 |
| Loan and lease loss provision to assets | 0.1372% | 1,407 |
| Net operating income to assets | 1.0256% | 2,885 |
| Return on assets (ROA) | 1.2432% | 2,117 |
| Pretax return on assets | 1.6724% | 1,411 |
| Return on Equity (ROE) | 9.9848% | 2,438 |
| Retained earnings to average equity (ytd only) | 8.3732% | 1,255 |
| Net charge-offs to loans | 0.0458% | 2,181 |
| Credit loss provision to net charge-offs | 454.5455% | 683 |
| Earnings coverage of net charge-offs (x) | 50.8332% | 1,174 |
| Efficiency ratio | 59.7946% | 3,683 |
| Assets per employee ($millions) | 5.0954% | 2,453 |
| Cash dividends to net income (ytd only)* | 16.1412% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2197% | 2,409 |
| Loan loss allowance to noncurrent loans | 153.6420% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.5161% | 2,465 |
| Noncurrent loans to loans | 0.7939% | 1,993 |
| Net loans and leases to total assets | 61.7811% | 3,514 |
| Net loans and leases to deposits | 72.0049% | 3,613 |
| Net loans and leases to core deposits | 74.8613% | 3,774 |
| Total domestic deposits to total assets | 85.8013% | 2,079 |
| Equity capital to assets | 12.4324% | 1,962 |
| Core capital (leverage) ratio | 11.7262% | 2,061 |
| Tier 1 risk-based capital ratio | 17.6133% | 1,919 |
| Total risk-based capital ratio | 18.8213% | 1,891 |
| Memoranda: | ||
| Average total assets | $340,180,250 | 1,958 |
| Average earning assets | $324,444,250 | 1,918 |
| Average equity | $42,356,500 | 1,849 |
| Average total loans | $224,143,500 | 2,008 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2190% | 3,875 |
| Cost of funding earning assets | 0.7232% | 3,025 |
| Net interest margin | 3.4958% | 3,609 |
| Noninterest income to average assets | 0.5008% | 2,673 |
| Noninterest expense to average assets | 2.3019% | 3,999 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1254% | 2,424 |
| Return on assets (ROA) | 1.3643% | 1,589 |
| Pretax return on assets | 1.8316% | 967 |
| Return on Equity (ROE) | 10.9512% | 1,997 |
| Retained earnings to average equity (ytd only) | 8.4952% | 1,209 |
| Net charge-offs to loans | 0.0258% | 2,339 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 88.2414% | 759 |
| Efficiency ratio | 60.0842% | 3,719 |
| Assets per employee ($millions) | 4.7815% | 2,764 |
| Cash dividends to net income (ytd only)* | 22.4266% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0820% | 3,164 |
| Loan loss allowance to noncurrent loans | 97.5010% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 0.7412% | 1,872 |
| Noncurrent loans to loans | 1.1097% | 1,472 |
| Net loans and leases to total assets | 66.0749% | 3,095 |
| Net loans and leases to deposits | 77.3023% | 3,214 |
| Net loans and leases to core deposits | 80.6002% | 3,376 |
| Total domestic deposits to total assets | 85.4760% | 2,275 |
| Equity capital to assets | 12.8835% | 1,646 |
| Core capital (leverage) ratio | 11.5820% | 2,102 |
| Tier 1 risk-based capital ratio | 17.4229% | 1,961 |
| Total risk-based capital ratio | 18.5095% | 1,963 |
| Memoranda: | ||
| Average total assets | $334,680,330 | 1,987 |
| Average earning assets | $318,840,670 | 1,948 |
| Average equity | $41,694,000 | 1,866 |
| Average total loans | $224,497,330 | 2,013 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0814% | 4,176 |
| Cost of funding earning assets | 0.6825% | 3,139 |
| Net interest margin | 3.3989% | 3,887 |
| Noninterest income to average assets | 0.5020% | 2,544 |
| Noninterest expense to average assets | 2.2112% | 4,236 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1471% | 2,285 |
| Return on assets (ROA) | 1.1641% | 2,251 |
| Pretax return on assets | 1.5502% | 1,612 |
| Return on Equity (ROE) | 9.5071% | 2,584 |
| Retained earnings to average equity (ytd only) | 9.5071% | 1,158 |
| Net charge-offs to loans | 0.0569% | 1,476 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 39.9688% | 1,155 |
| Efficiency ratio | 59.1243% | 3,936 |
| Assets per employee ($millions) | 4.8621% | 2,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0752% | 3,262 |
| Loan loss allowance to noncurrent loans | 146.2470% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 0.5026% | 2,613 |
| Noncurrent loans to loans | 0.7352% | 2,189 |
| Net loans and leases to total assets | 66.2581% | 3,018 |
| Net loans and leases to deposits | 77.0335% | 3,156 |
| Net loans and leases to core deposits | 80.2756% | 3,341 |
| Total domestic deposits to total assets | 86.0120% | 2,279 |
| Equity capital to assets | 12.4920% | 1,741 |
| Core capital (leverage) ratio | 11.6049% | 2,048 |
| Tier 1 risk-based capital ratio | 16.8389% | 2,161 |
| Total risk-based capital ratio | 17.9097% | 2,165 |
| Memoranda: | ||
| Average total assets | $334,666,500 | 1,997 |
| Average earning assets | $318,809,000 | 1,965 |
| Average equity | $40,980,000 | 1,892 |
| Average total loans | $224,957,500 | 2,023 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9731% | 4,101 |
| Cost of funding earning assets | 0.5483% | 3,060 |
| Net interest margin | 3.4248% | 3,925 |
| Noninterest income to average assets | 0.5208% | 2,714 |
| Noninterest expense to average assets | 2.2616% | 4,202 |
| Loan and lease loss provision to assets | 0.0861% | 2,417 |
| Net operating income to assets | 1.0948% | 2,620 |
| Return on assets (ROA) | 1.0979% | 2,602 |
| Pretax return on assets | 1.4397% | 1,991 |
| Return on Equity (ROE) | 9.2574% | 2,853 |
| Retained earnings to average equity (ytd only) | 5.0977% | 2,714 |
| Net charge-offs to loans | 0.1839% | 1,048 |
| Credit loss provision to net charge-offs | 70.0246% | 2,991 |
| Earnings coverage of net charge-offs (x) | 12.3710% | 2,535 |
| Efficiency ratio | 59.7747% | 3,899 |
| Assets per employee ($millions) | 4.8383% | 2,689 |
| Cash dividends to net income (ytd only)* | 44.9339% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0870% | 3,188 |
| Loan loss allowance to noncurrent loans | 127.7662% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.5841% | 2,287 |
| Noncurrent loans to loans | 0.8508% | 1,895 |
| Net loans and leases to total assets | 66.7265% | 3,035 |
| Net loans and leases to deposits | 78.4620% | 3,113 |
| Net loans and leases to core deposits | 81.5985% | 3,293 |
| Total domestic deposits to total assets | 85.0431% | 2,631 |
| Equity capital to assets | 11.9969% | 1,896 |
| Core capital (leverage) ratio | 11.1782% | 2,374 |
| Tier 1 risk-based capital ratio | 16.4630% | 2,251 |
| Total risk-based capital ratio | 17.5518% | 2,255 |
| Memoranda: | ||
| Average total assets | $330,823,000 | 1,985 |
| Average earning assets | $315,172,400 | 1,946 |
| Average equity | $39,233,600 | 1,897 |
| Average total loans | $221,363,400 | 2,010 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9207% | 4,159 |
| Cost of funding earning assets | 0.5159% | 3,090 |
| Net interest margin | 3.4048% | 3,992 |
| Noninterest income to average assets | 0.5191% | 2,748 |
| Noninterest expense to average assets | 2.2609% | 4,198 |
| Loan and lease loss provision to assets | 0.0646% | 2,679 |
| Net operating income to assets | 1.0949% | 2,687 |
| Return on assets (ROA) | 1.1004% | 2,682 |
| Pretax return on assets | 1.4449% | 2,073 |
| Return on Equity (ROE) | 9.3056% | 2,953 |
| Retained earnings to average equity (ytd only) | 7.6659% | 1,812 |
| Net charge-offs to loans | 0.2347% | 726 |
| Credit loss provision to net charge-offs | 41.2371% | 2,896 |
| Earnings coverage of net charge-offs (x) | 9.5876% | 2,636 |
| Efficiency ratio | 60.0730% | 3,808 |
| Assets per employee ($millions) | 4.8509% | 2,658 |
| Cash dividends to net income (ytd only)* | 17.6210% | 3,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0692% | 3,357 |
| Loan loss allowance to noncurrent loans | 145.0155% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.4825% | 2,760 |
| Noncurrent loans to loans | 0.7373% | 2,237 |
| Net loans and leases to total assets | 64.7421% | 3,339 |
| Net loans and leases to deposits | 74.8218% | 3,521 |
| Net loans and leases to core deposits | 77.5700% | 3,691 |
| Total domestic deposits to total assets | 86.5285% | 1,961 |
| Equity capital to assets | 11.8507% | 2,005 |
| Core capital (leverage) ratio | 11.3250% | 2,313 |
| Tier 1 risk-based capital ratio | 16.9603% | 2,119 |
| Total risk-based capital ratio | 18.0278% | 2,123 |
| Memoranda: | ||
| Average total assets | $330,067,500 | 2,000 |
| Average earning assets | $314,526,000 | 1,960 |
| Average equity | $39,029,250 | 1,904 |
| Average total loans | $220,401,500 | 2,028 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8652% | 4,172 |
| Cost of funding earning assets | 0.4829% | 3,143 |
| Net interest margin | 3.3823% | 4,007 |
| Noninterest income to average assets | 0.5144% | 2,779 |
| Noninterest expense to average assets | 2.2690% | 4,215 |
| Loan and lease loss provision to assets | 0.0213% | 3,484 |
| Net operating income to assets | 1.1005% | 2,580 |
| Return on assets (ROA) | 1.1159% | 2,532 |
| Pretax return on assets | 1.4672% | 1,938 |
| Return on Equity (ROE) | 9.4443% | 2,833 |
| Retained earnings to average equity (ytd only) | 6.9712% | 2,087 |
| Net charge-offs to loans | 0.3468% | 459 |
| Credit loss provision to net charge-offs | 9.1384% | 2,732 |
| Earnings coverage of net charge-offs (x) | 6.3003% | 2,642 |
| Efficiency ratio | 60.7003% | 3,815 |
| Assets per employee ($millions) | 4.6499% | 2,885 |
| Cash dividends to net income (ytd only)* | 26.1866% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0149% | 3,741 |
| Loan loss allowance to noncurrent loans | 136.6544% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 0.4925% | 2,783 |
| Noncurrent loans to loans | 0.7427% | 2,247 |
| Net loans and leases to total assets | 65.6447% | 3,199 |
| Net loans and leases to deposits | 75.7316% | 3,363 |
| Net loans and leases to core deposits | 78.5398% | 3,531 |
| Total domestic deposits to total assets | 86.6807% | 1,979 |
| Equity capital to assets | 11.8494% | 1,958 |
| Core capital (leverage) ratio | 11.1557% | 2,383 |
| Tier 1 risk-based capital ratio | 16.5536% | 2,245 |
| Total risk-based capital ratio | 17.5663% | 2,267 |
| Memoranda: | ||
| Average total assets | $328,518,670 | 2,015 |
| Average earning assets | $313,098,000 | 1,971 |
| Average equity | $38,817,000 | 1,909 |
| Average total loans | $220,854,330 | 2,024 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7855% | 4,261 |
| Cost of funding earning assets | 0.4737% | 3,012 |
| Net interest margin | 3.3119% | 4,157 |
| Noninterest income to average assets | 0.5407% | 2,569 |
| Noninterest expense to average assets | 2.2996% | 4,194 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0601% | 2,608 |
| Return on assets (ROA) | 1.0900% | 2,486 |
| Pretax return on assets | 1.4367% | 1,877 |
| Return on Equity (ROE) | 9.2382% | 2,792 |
| Retained earnings to average equity (ytd only) | 9.2382% | 1,382 |
| Net charge-offs to loans | 0.0397% | 1,741 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 52.0909% | 927 |
| Efficiency ratio | 62.1782% | 3,747 |
| Assets per employee ($millions) | 4.9293% | 2,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1818% | 2,922 |
| Loan loss allowance to noncurrent loans | 120.5868% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.6398% | 2,399 |
| Noncurrent loans to loans | 0.9801% | 1,858 |
| Net loans and leases to total assets | 64.5099% | 3,240 |
| Net loans and leases to deposits | 74.3426% | 3,382 |
| Net loans and leases to core deposits | 77.0874% | 3,567 |
| Total domestic deposits to total assets | 86.7738% | 2,214 |
| Equity capital to assets | 11.7344% | 1,965 |
| Core capital (leverage) ratio | 11.0626% | 2,366 |
| Tier 1 risk-based capital ratio | 16.6327% | 2,236 |
| Total risk-based capital ratio | 17.8146% | 2,201 |
| Memoranda: | ||
| Average total assets | $327,706,000 | 2,030 |
| Average earning assets | $312,453,500 | 1,990 |
| Average equity | $38,665,500 | 1,929 |
| Average total loans | $221,809,500 | 2,022 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7705% | 4,144 |
| Cost of funding earning assets | 0.4135% | 3,120 |
| Net interest margin | 3.3570% | 3,983 |
| Noninterest income to average assets | 0.4833% | 3,106 |
| Noninterest expense to average assets | 2.1826% | 4,562 |
| Loan and lease loss provision to assets | 0.0853% | 2,491 |
| Net operating income to assets | 1.1050% | 1,841 |
| Return on assets (ROA) | 1.1640% | 1,665 |
| Pretax return on assets | 1.4866% | 1,697 |
| Return on Equity (ROE) | 10.1959% | 1,809 |
| Retained earnings to average equity (ytd only) | 6.5072% | 1,276 |
| Net charge-offs to loans | 0.0099% | 3,739 |
| Credit loss provision to net charge-offs | 1,272.7273% | 301 |
| Earnings coverage of net charge-offs (x) | 223.2273% | 367 |
| Efficiency ratio | 59.3258% | 4,366 |
| Assets per employee ($millions) | 4.7816% | 2,756 |
| Cash dividends to net income (ytd only)* | 36.1780% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1271% | 3,203 |
| Loan loss allowance to noncurrent loans | 205.6000% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.3844% | 3,325 |
| Noncurrent loans to loans | 0.5482% | 2,858 |
| Net loans and leases to total assets | 69.3370% | 2,627 |
| Net loans and leases to deposits | 79.8542% | 2,935 |
| Net loans and leases to core deposits | 82.4420% | 3,209 |
| Total domestic deposits to total assets | 86.8295% | 2,076 |
| Equity capital to assets | 11.8643% | 1,931 |
| Core capital (leverage) ratio | 10.8231% | 2,508 |
| Tier 1 risk-based capital ratio | 15.4119% | 2,654 |
| Total risk-based capital ratio | 16.5432% | 2,642 |
| Memoranda: | ||
| Average total assets | $328,188,000 | 2,019 |
| Average earning assets | $312,423,400 | 1,974 |
| Average equity | $37,466,000 | 1,954 |
| Average total loans | $222,939,400 | 1,982 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7033% | 4,314 |
| Cost of funding earning assets | 0.3988% | 3,206 |
| Net interest margin | 3.3045% | 4,160 |
| Noninterest income to average assets | 0.4787% | 3,157 |
| Noninterest expense to average assets | 2.1592% | 4,618 |
| Loan and lease loss provision to assets | 0.0507% | 3,082 |
| Net operating income to assets | 0.9701% | 2,689 |
| Return on assets (ROA) | 1.0384% | 2,416 |
| Pretax return on assets | 1.5167% | 1,714 |
| Return on Equity (ROE) | 9.1855% | 2,505 |
| Retained earnings to average equity (ytd only) | 7.9234% | 1,255 |
| Net charge-offs to loans | 0.0114% | 3,321 |
| Credit loss provision to net charge-offs | 657.8947% | 501 |
| Earnings coverage of net charge-offs (x) | 190.4939% | 456 |
| Efficiency ratio | 59.5462% | 4,286 |
| Assets per employee ($millions) | 4.7801% | 2,724 |
| Cash dividends to net income (ytd only)* | 13.7392% | 3,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0926% | 3,528 |
| Loan loss allowance to noncurrent loans | 264.8412% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.2768% | 3,962 |
| Noncurrent loans to loans | 0.4125% | 3,466 |
| Net loans and leases to total assets | 66.3671% | 3,060 |
| Net loans and leases to deposits | 76.9202% | 3,280 |
| Net loans and leases to core deposits | 79.2589% | 3,514 |
| Total domestic deposits to total assets | 86.2805% | 2,190 |
| Equity capital to assets | 11.7303% | 2,164 |
| Core capital (leverage) ratio | 10.9649% | 2,488 |
| Tier 1 risk-based capital ratio | 16.0020% | 2,504 |
| Total risk-based capital ratio | 17.0994% | 2,503 |
| Memoranda: | ||
| Average total assets | $328,947,250 | 2,028 |
| Average earning assets | $313,299,000 | 1,984 |
| Average equity | $37,188,250 | 1,978 |
| Average total loans | $221,669,250 | 1,996 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6134% | 4,475 |
| Cost of funding earning assets | 0.3907% | 3,167 |
| Net interest margin | 3.2227% | 4,345 |
| Noninterest income to average assets | 0.4558% | 3,314 |
| Noninterest expense to average assets | 2.1549% | 4,655 |
| Loan and lease loss provision to assets | 0.0609% | 2,745 |
| Net operating income to assets | 0.9045% | 2,891 |
| Return on assets (ROA) | 0.9944% | 2,502 |
| Pretax return on assets | 1.4374% | 1,867 |
| Return on Equity (ROE) | 8.9076% | 2,551 |
| Retained earnings to average equity (ytd only) | 6.9887% | 1,597 |
| Net charge-offs to loans | 0.0271% | 2,675 |
| Credit loss provision to net charge-offs | 333.3333% | 885 |
| Earnings coverage of net charge-offs (x) | 74.9333% | 804 |
| Efficiency ratio | 61.1677% | 4,139 |
| Assets per employee ($millions) | 4.7471% | 2,728 |
| Cash dividends to net income (ytd only)* | 21.5422% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0627% | 3,771 |
| Loan loss allowance to noncurrent loans | 212.9696% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.3438% | 3,744 |
| Noncurrent loans to loans | 0.4990% | 3,257 |
| Net loans and leases to total assets | 67.6743% | 2,855 |
| Net loans and leases to deposits | 78.1823% | 3,098 |
| Net loans and leases to core deposits | 80.4156% | 3,390 |
| Total domestic deposits to total assets | 86.5597% | 2,148 |
| Equity capital to assets | 11.5503% | 2,280 |
| Core capital (leverage) ratio | 10.6484% | 2,763 |
| Tier 1 risk-based capital ratio | 15.3892% | 2,753 |
| Total risk-based capital ratio | 16.4565% | 2,773 |
| Memoranda: | ||
| Average total assets | $328,653,330 | 2,029 |
| Average earning assets | $312,780,670 | 1,994 |
| Average equity | $36,687,670 | 1,992 |
| Average total loans | $221,787,000 | 1,997 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5792% | 4,477 |
| Cost of funding earning assets | 0.3856% | 3,136 |
| Net interest margin | 3.1935% | 4,366 |
| Noninterest income to average assets | 0.4241% | 3,493 |
| Noninterest expense to average assets | 2.1519% | 4,748 |
| Loan and lease loss provision to assets | 0.1215% | 1,574 |
| Net operating income to assets | 0.8467% | 3,007 |
| Return on assets (ROA) | 0.8432% | 3,068 |
| Pretax return on assets | 1.1847% | 2,657 |
| Return on Equity (ROE) | 7.6866% | 3,080 |
| Retained earnings to average equity (ytd only) | 7.6866% | 1,580 |
| Net charge-offs to loans | 0.0236% | 2,290 |
| Credit loss provision to net charge-offs | 769.2308% | 408 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 637 |
| Efficiency ratio | 62.1404% | 4,130 |
| Assets per employee ($millions) | 4.7266% | 2,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1097% | 3,660 |
| Loan loss allowance to noncurrent loans | 233.3658% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.3152% | 3,931 |
| Noncurrent loans to loans | 0.4755% | 3,386 |
| Net loans and leases to total assets | 65.5516% | 3,040 |
| Net loans and leases to deposits | 75.0183% | 3,300 |
| Net loans and leases to core deposits | 77.2953% | 3,532 |
| Total domestic deposits to total assets | 87.3808% | 2,040 |
| Equity capital to assets | 11.2342% | 2,403 |
| Core capital (leverage) ratio | 10.3525% | 3,054 |
| Tier 1 risk-based capital ratio | 15.4396% | 2,776 |
| Total risk-based capital ratio | 16.5373% | 2,770 |
| Memoranda: | ||
| Average total assets | $329,204,500 | 2,048 |
| Average earning assets | $313,256,500 | 2,007 |
| Average equity | $36,115,000 | 2,024 |
| Average total loans | $220,656,000 | 2,021 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5760% | 4,573 |
| Cost of funding earning assets | 0.4302% | 2,702 |
| Net interest margin | 3.1458% | 4,604 |
| Noninterest income to average assets | 0.4970% | 3,261 |
| Noninterest expense to average assets | 2.1328% | 4,931 |
| Loan and lease loss provision to assets | 0.0678% | 3,016 |
| Net operating income to assets | 0.8854% | 2,904 |
| Return on assets (ROA) | 0.9690% | 2,598 |
| Pretax return on assets | 1.4151% | 1,879 |
| Return on Equity (ROE) | 8.8928% | 2,472 |
| Retained earnings to average equity (ytd only) | 5.3904% | 2,082 |
| Net charge-offs to loans | 0.0394% | 3,239 |
| Credit loss provision to net charge-offs | 261.6279% | 1,099 |
| Earnings coverage of net charge-offs (x) | 52.5000% | 980 |
| Efficiency ratio | 61.0642% | 4,410 |
| Assets per employee ($millions) | 4.7467% | 2,724 |
| Cash dividends to net income (ytd only)* | 39.3845% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0270% | 4,152 |
| Loan loss allowance to noncurrent loans | 247.2727% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.3130% | 4,023 |
| Noncurrent loans to loans | 0.4153% | 3,656 |
| Net loans and leases to total assets | 67.0574% | 2,920 |
| Net loans and leases to deposits | 77.9135% | 3,116 |
| Net loans and leases to core deposits | 80.2681% | 3,373 |
| Total domestic deposits to total assets | 86.0665% | 2,548 |
| Equity capital to assets | 10.7114% | 2,911 |
| Core capital (leverage) ratio | 9.9751% | 3,512 |
| Tier 1 risk-based capital ratio | 14.4978% | 3,198 |
| Total risk-based capital ratio | 15.5158% | 3,233 |
| Memoranda: | ||
| Average total assets | $331,997,200 | 1,993 |
| Average earning assets | $316,167,000 | 1,939 |
| Average equity | $36,175,200 | 2,016 |
| Average total loans | $218,453,400 | 1,982 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5602% | 4,653 |
| Cost of funding earning assets | 0.4418% | 2,620 |
| Net interest margin | 3.1185% | 4,720 |
| Noninterest income to average assets | 0.5061% | 3,204 |
| Noninterest expense to average assets | 2.1185% | 4,972 |
| Loan and lease loss provision to assets | 0.0301% | 3,635 |
| Net operating income to assets | 0.9005% | 2,903 |
| Return on assets (ROA) | 1.0018% | 2,564 |
| Pretax return on assets | 1.4782% | 1,778 |
| Return on Equity (ROE) | 9.1551% | 2,420 |
| Retained earnings to average equity (ytd only) | 7.8630% | 1,227 |
| Net charge-offs to loans | 0.0326% | 2,995 |
| Credit loss provision to net charge-offs | 141.5094% | 1,851 |
| Earnings coverage of net charge-offs (x) | 63.8535% | 910 |
| Efficiency ratio | 60.9148% | 4,405 |
| Assets per employee ($millions) | 4.8799% | 2,522 |
| Cash dividends to net income (ytd only)* | 14.1138% | 3,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 4,373 |
| Loan loss allowance to noncurrent loans | 214.9853% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.3629% | 3,965 |
| Noncurrent loans to loans | 0.4679% | 3,612 |
| Net loans and leases to total assets | 64.1552% | 3,379 |
| Net loans and leases to deposits | 73.5241% | 3,639 |
| Net loans and leases to core deposits | 76.2709% | 3,805 |
| Total domestic deposits to total assets | 87.2574% | 1,776 |
| Equity capital to assets | 11.1647% | 2,833 |
| Core capital (leverage) ratio | 10.0706% | 3,473 |
| Tier 1 risk-based capital ratio | 14.8747% | 3,112 |
| Total risk-based capital ratio | 15.8605% | 3,171 |
| Memoranda: | ||
| Average total assets | $331,928,500 | 1,998 |
| Average earning assets | $316,302,250 | 1,942 |
| Average equity | $36,321,250 | 2,018 |
| Average total loans | $216,785,500 | 2,001 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5523% | 4,733 |
| Cost of funding earning assets | 0.4651% | 2,424 |
| Net interest margin | 3.0872% | 4,863 |
| Noninterest income to average assets | 0.5322% | 2,994 |
| Noninterest expense to average assets | 2.1590% | 4,933 |
| Loan and lease loss provision to assets | 0.0454% | 3,242 |
| Net operating income to assets | 0.8564% | 3,067 |
| Return on assets (ROA) | 0.9651% | 2,693 |
| Pretax return on assets | 1.4295% | 1,910 |
| Return on Equity (ROE) | 8.8809% | 2,545 |
| Retained earnings to average equity (ytd only) | 6.9197% | 1,646 |
| Net charge-offs to loans | 0.0740% | 2,127 |
| Credit loss provision to net charge-offs | 93.7500% | 2,198 |
| Earnings coverage of net charge-offs (x) | 27.1500% | 1,464 |
| Efficiency ratio | 62.1471% | 4,329 |
| Assets per employee ($millions) | 4.9048% | 2,404 |
| Cash dividends to net income (ytd only)* | 22.0828% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0149% | 4,432 |
| Loan loss allowance to noncurrent loans | 211.1003% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.3649% | 4,024 |
| Noncurrent loans to loans | 0.4808% | 3,646 |
| Net loans and leases to total assets | 62.4802% | 3,565 |
| Net loans and leases to deposits | 71.5790% | 3,824 |
| Net loans and leases to core deposits | 79.8415% | 3,471 |
| Total domestic deposits to total assets | 87.2884% | 1,762 |
| Equity capital to assets | 10.9582% | 3,105 |
| Core capital (leverage) ratio | 9.7527% | 3,870 |
| Tier 1 risk-based capital ratio | 14.6873% | 3,211 |
| Total risk-based capital ratio | 15.6756% | 3,291 |
| Memoranda: | ||
| Average total assets | $330,333,670 | 2,017 |
| Average earning assets | $314,783,000 | 1,963 |
| Average equity | $35,897,330 | 2,040 |
| Average total loans | $216,309,330 | 2,007 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5853% | 4,663 |
| Cost of funding earning assets | 0.5076% | 2,044 |
| Net interest margin | 3.0777% | 4,927 |
| Noninterest income to average assets | 0.5615% | 2,732 |
| Noninterest expense to average assets | 2.2851% | 4,704 |
| Loan and lease loss provision to assets | 0.0919% | 2,147 |
| Net operating income to assets | 0.7589% | 3,445 |
| Return on assets (ROA) | 0.8398% | 3,167 |
| Pretax return on assets | 1.2321% | 2,572 |
| Return on Equity (ROE) | 7.7614% | 3,056 |
| Retained earnings to average equity (ytd only) | 7.7614% | 1,560 |
| Net charge-offs to loans | 0.0092% | 2,819 |
| Credit loss provision to net charge-offs | 1,500.0000% | 269 |
| Earnings coverage of net charge-offs (x) | 196.6000% | 307 |
| Efficiency ratio | 65.4724% | 3,885 |
| Assets per employee ($millions) | 4.7967% | 2,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0482% | 4,342 |
| Loan loss allowance to noncurrent loans | 224.0759% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.3372% | 4,213 |
| Noncurrent loans to loans | 0.4678% | 3,771 |
| Net loans and leases to total assets | 63.9735% | 3,244 |
| Net loans and leases to deposits | 72.9591% | 3,557 |
| Net loans and leases to core deposits | 81.5430% | 3,176 |
| Total domestic deposits to total assets | 87.6841% | 1,810 |
| Equity capital to assets | 10.8076% | 3,158 |
| Core capital (leverage) ratio | 9.8371% | 3,733 |
| Tier 1 risk-based capital ratio | 14.7031% | 3,285 |
| Total risk-based capital ratio | 15.7447% | 3,334 |
| Memoranda: | ||
| Average total assets | $326,284,500 | 2,049 |
| Average earning assets | $310,487,500 | 1,993 |
| Average equity | $35,303,000 | 2,067 |
| Average total loans | $217,653,500 | 2,002 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6636% | 4,477 |
| Cost of funding earning assets | 0.3489% | 3,712 |
| Net interest margin | 3.3148% | 4,229 |
| Noninterest income to average assets | 0.4501% | 3,665 |
| Noninterest expense to average assets | 2.1436% | 5,165 |
| Loan and lease loss provision to assets | 0.0479% | 3,371 |
| Net operating income to assets | 0.9668% | 2,540 |
| Return on assets (ROA) | 1.0140% | 2,369 |
| Pretax return on assets | 1.4849% | 1,604 |
| Return on Equity (ROE) | 9.3474% | 2,295 |
| Retained earnings to average equity (ytd only) | 5.9724% | 1,809 |
| Net charge-offs to loans | -0.0358% | 5,463 |
| Credit loss provision to net charge-offs | -205.4795% | 5,279 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4279% | 4,983 |
| Assets per employee ($millions) | 4.5296% | 2,994 |
| Cash dividends to net income (ytd only)* | 36.1059% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 4,705 |
| Loan loss allowance to noncurrent loans | 262.1230% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.2935% | 4,420 |
| Noncurrent loans to loans | 0.3746% | 4,102 |
| Net loans and leases to total assets | 68.1464% | 2,684 |
| Net loans and leases to deposits | 77.8736% | 3,065 |
| Net loans and leases to core deposits | 86.8888% | 2,705 |
| Total domestic deposits to total assets | 87.5090% | 1,879 |
| Equity capital to assets | 10.8321% | 2,996 |
| Core capital (leverage) ratio | 9.8704% | 3,689 |
| Tier 1 risk-based capital ratio | 13.9390% | 3,745 |
| Total risk-based capital ratio | 14.9200% | 3,838 |
| Memoranda: | ||
| Average total assets | $313,024,400 | 2,075 |
| Average earning assets | $298,120,000 | 2,027 |
| Average equity | $33,956,000 | 2,097 |
| Average total loans | $203,817,400 | 2,044 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6376% | 4,620 |
| Cost of funding earning assets | 0.3448% | 3,813 |
| Net interest margin | 3.2929% | 4,381 |
| Noninterest income to average assets | 0.4585% | 3,651 |
| Noninterest expense to average assets | 2.1302% | 5,216 |
| Loan and lease loss provision to assets | 0.0322% | 3,595 |
| Net operating income to assets | 0.9796% | 2,573 |
| Return on assets (ROA) | 1.0160% | 2,489 |
| Pretax return on assets | 1.4874% | 1,717 |
| Return on Equity (ROE) | 9.3627% | 2,378 |
| Retained earnings to average equity (ytd only) | 8.4537% | 1,070 |
| Net charge-offs to loans | -0.0642% | 5,632 |
| Credit loss provision to net charge-offs | -78.1250% | 5,018 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2367% | 4,976 |
| Assets per employee ($millions) | 4.5429% | 2,934 |
| Cash dividends to net income (ytd only)* | 9.7088% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0109% | 4,689 |
| Loan loss allowance to noncurrent loans | 201.7127% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.3434% | 4,402 |
| Noncurrent loans to loans | 0.5012% | 3,849 |
| Net loans and leases to total assets | 65.2782% | 3,115 |
| Net loans and leases to deposits | 75.5781% | 3,356 |
| Net loans and leases to core deposits | 78.2790% | 3,581 |
| Total domestic deposits to total assets | 86.3719% | 2,350 |
| Equity capital to assets | 11.0052% | 3,020 |
| Core capital (leverage) ratio | 9.8913% | 3,778 |
| Tier 1 risk-based capital ratio | 14.5954% | 3,504 |
| Total risk-based capital ratio | 15.5939% | 3,575 |
| Memoranda: | ||
| Average total assets | $310,880,750 | 2,100 |
| Average earning assets | $296,230,250 | 2,050 |
| Average equity | $33,736,000 | 2,117 |
| Average total loans | $199,439,000 | 2,077 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5916% | 4,738 |
| Cost of funding earning assets | 0.3417% | 3,899 |
| Net interest margin | 3.2499% | 4,498 |
| Noninterest income to average assets | 0.4577% | 3,646 |
| Noninterest expense to average assets | 2.1160% | 5,304 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9806% | 2,497 |
| Return on assets (ROA) | 1.0022% | 2,486 |
| Pretax return on assets | 1.4684% | 1,737 |
| Return on Equity (ROE) | 9.2809% | 2,390 |
| Retained earnings to average equity (ytd only) | 7.9002% | 1,308 |
| Net charge-offs to loans | -0.0928% | 5,761 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5620% | 5,040 |
| Assets per employee ($millions) | 4.3571% | 3,199 |
| Cash dividends to net income (ytd only)* | 14.8771% | 3,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0305% | 4,710 |
| Loan loss allowance to noncurrent loans | 189.3321% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.3653% | 4,432 |
| Noncurrent loans to loans | 0.5443% | 3,825 |
| Net loans and leases to total assets | 63.3620% | 3,360 |
| Net loans and leases to deposits | 72.8972% | 3,629 |
| Net loans and leases to core deposits | 74.8228% | 3,876 |
| Total domestic deposits to total assets | 86.9196% | 2,209 |
| Equity capital to assets | 10.9156% | 2,975 |
| Core capital (leverage) ratio | 9.9160% | 3,719 |
| Tier 1 risk-based capital ratio | 14.9902% | 3,363 |
| Total risk-based capital ratio | 16.0045% | 3,426 |
| Memoranda: | ||
| Average total assets | $308,506,000 | 2,132 |
| Average earning assets | $293,796,330 | 2,082 |
| Average equity | $33,315,670 | 2,152 |
| Average total loans | $196,016,000 | 2,119 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5387% | 4,864 |
| Cost of funding earning assets | 0.3394% | 3,989 |
| Net interest margin | 3.1993% | 4,616 |
| Noninterest income to average assets | 0.4375% | 3,709 |
| Noninterest expense to average assets | 2.1306% | 5,319 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9145% | 2,681 |
| Return on assets (ROA) | 0.9595% | 2,586 |
| Pretax return on assets | 1.4204% | 1,808 |
| Return on Equity (ROE) | 8.9333% | 2,476 |
| Retained earnings to average equity (ytd only) | 8.9333% | 1,223 |
| Net charge-offs to loans | -0.1785% | 6,024 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1401% | 4,940 |
| Assets per employee ($millions) | 4.2417% | 3,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0591% | 4,711 |
| Loan loss allowance to noncurrent loans | 168.7655% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.4095% | 4,391 |
| Noncurrent loans to loans | 0.6275% | 3,703 |
| Net loans and leases to total assets | 61.4588% | 3,457 |
| Net loans and leases to deposits | 70.2667% | 3,725 |
| Net loans and leases to core deposits | 72.0655% | 3,952 |
| Total domestic deposits to total assets | 87.4650% | 2,133 |
| Equity capital to assets | 10.8918% | 3,100 |
| Core capital (leverage) ratio | 9.7381% | 3,972 |
| Tier 1 risk-based capital ratio | 15.1242% | 3,367 |
| Total risk-based capital ratio | 16.1655% | 3,412 |
| Memoranda: | ||
| Average total assets | $308,081,000 | 2,144 |
| Average earning assets | $293,438,000 | 2,095 |
| Average equity | $33,089,500 | 2,173 |
| Average total loans | $194,996,500 | 2,124 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6001% | 5,081 |
| Cost of funding earning assets | 0.3712% | 4,024 |
| Net interest margin | 3.2289% | 4,834 |
| Noninterest income to average assets | 0.4997% | 3,516 |
| Noninterest expense to average assets | 2.1656% | 5,423 |
| Loan and lease loss provision to assets | 0.0811% | 2,857 |
| Net operating income to assets | 0.8955% | 2,896 |
| Return on assets (ROA) | 0.9750% | 2,579 |
| Pretax return on assets | 1.4461% | 1,732 |
| Return on Equity (ROE) | 9.5323% | 2,326 |
| Retained earnings to average equity (ytd only) | 5.8994% | 1,984 |
| Net charge-offs to loans | 0.0570% | 3,691 |
| Credit loss provision to net charge-offs | 235.8491% | 1,072 |
| Earnings coverage of net charge-offs (x) | 40.9811% | 1,063 |
| Efficiency ratio | 60.5915% | 5,130 |
| Assets per employee ($millions) | 4.2572% | 3,439 |
| Cash dividends to net income (ytd only)* | 38.1111% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9866% | 5,129 |
| Loan loss allowance to noncurrent loans | 151.8692% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.4440% | 4,338 |
| Noncurrent loans to loans | 0.6496% | 3,739 |
| Net loans and leases to total assets | 63.8470% | 3,250 |
| Net loans and leases to deposits | 73.6561% | 3,477 |
| Net loans and leases to core deposits | 75.6670% | 3,748 |
| Total domestic deposits to total assets | 86.6826% | 2,465 |
| Equity capital to assets | 10.5877% | 3,374 |
| Core capital (leverage) ratio | 9.0809% | 4,852 |
| Tier 1 risk-based capital ratio | 13.9860% | 4,107 |
| Total risk-based capital ratio | 14.9848% | 4,213 |
| Memoranda: | ||
| Average total assets | $308,407,600 | 2,110 |
| Average earning assets | $293,660,000 | 2,044 |
| Average equity | $31,545,400 | 2,190 |
| Average total loans | $185,842,200 | 2,161 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5890% | 5,170 |
| Cost of funding earning assets | 0.3722% | 4,106 |
| Net interest margin | 3.2168% | 4,906 |
| Noninterest income to average assets | 0.4986% | 3,559 |
| Noninterest expense to average assets | 2.1168% | 5,532 |
| Loan and lease loss provision to assets | 0.0648% | 3,056 |
| Net operating income to assets | 0.9308% | 2,776 |
| Return on assets (ROA) | 0.9786% | 2,620 |
| Pretax return on assets | 1.4512% | 1,801 |
| Return on Equity (ROE) | 9.6511% | 2,380 |
| Retained earnings to average equity (ytd only) | 8.6720% | 1,109 |
| Net charge-offs to loans | 0.0685% | 3,217 |
| Credit loss provision to net charge-offs | 159.5745% | 1,514 |
| Earnings coverage of net charge-offs (x) | 35.6065% | 1,215 |
| Efficiency ratio | 59.4352% | 5,259 |
| Assets per employee ($millions) | 4.1763% | 3,529 |
| Cash dividends to net income (ytd only)* | 10.1456% | 3,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9722% | 5,334 |
| Loan loss allowance to noncurrent loans | 137.0398% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.5025% | 4,376 |
| Noncurrent loans to loans | 0.7094% | 3,833 |
| Net loans and leases to total assets | 62.1763% | 3,460 |
| Net loans and leases to deposits | 71.8330% | 3,701 |
| Net loans and leases to core deposits | 73.7336% | 3,968 |
| Total domestic deposits to total assets | 86.5567% | 2,552 |
| Equity capital to assets | 10.7002% | 3,304 |
| Core capital (leverage) ratio | 9.0812% | 4,958 |
| Tier 1 risk-based capital ratio | 14.3524% | 3,983 |
| Total risk-based capital ratio | 15.3243% | 4,101 |
| Memoranda: | ||
| Average total assets | $308,880,250 | 2,116 |
| Average earning assets | $294,111,750 | 2,050 |
| Average equity | $31,318,500 | 2,210 |
| Average total loans | $182,889,750 | 2,208 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5837% | 5,194 |
| Cost of funding earning assets | 0.3773% | 4,137 |
| Net interest margin | 3.2064% | 4,924 |
| Noninterest income to average assets | 0.4919% | 3,531 |
| Noninterest expense to average assets | 2.0734% | 5,679 |
| Loan and lease loss provision to assets | 0.0484% | 3,341 |
| Net operating income to assets | 0.9513% | 2,546 |
| Return on assets (ROA) | 1.0109% | 2,352 |
| Pretax return on assets | 1.5106% | 1,504 |
| Return on Equity (ROE) | 10.1541% | 2,078 |
| Retained earnings to average equity (ytd only) | 8.6647% | 1,087 |
| Net charge-offs to loans | 0.0911% | 2,772 |
| Credit loss provision to net charge-offs | 91.4634% | 2,153 |
| Earnings coverage of net charge-offs (x) | 27.8049% | 1,327 |
| Efficiency ratio | 58.5153% | 5,488 |
| Assets per employee ($millions) | 4.0111% | 3,815 |
| Cash dividends to net income (ytd only)* | 14.6684% | 3,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9736% | 5,465 |
| Loan loss allowance to noncurrent loans | 123.2192% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.5151% | 4,459 |
| Noncurrent loans to loans | 0.7901% | 3,720 |
| Net loans and leases to total assets | 59.2449% | 3,826 |
| Net loans and leases to deposits | 67.9861% | 4,052 |
| Net loans and leases to core deposits | 69.7478% | 4,292 |
| Total domestic deposits to total assets | 87.1426% | 2,379 |
| Equity capital to assets | 10.3407% | 3,632 |
| Core capital (leverage) ratio | 8.8052% | 5,268 |
| Tier 1 risk-based capital ratio | 14.4056% | 3,989 |
| Total risk-based capital ratio | 15.3732% | 4,114 |
| Memoranda: | ||
| Average total assets | $310,216,330 | 2,104 |
| Average earning assets | $295,223,000 | 2,035 |
| Average equity | $30,884,000 | 2,223 |
| Average total loans | $180,046,670 | 2,234 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5692% | 5,247 |
| Cost of funding earning assets | 0.3798% | 4,201 |
| Net interest margin | 3.1894% | 4,953 |
| Noninterest income to average assets | 0.5108% | 3,326 |
| Noninterest expense to average assets | 2.0959% | 5,690 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9566% | 2,378 |
| Return on assets (ROA) | 1.0254% | 2,175 |
| Pretax return on assets | 1.5555% | 1,276 |
| Return on Equity (ROE) | 10.5017% | 1,865 |
| Retained earnings to average equity (ytd only) | 10.5017% | 840 |
| Net charge-offs to loans | 0.0855% | 2,299 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 29.6842% | 1,060 |
| Efficiency ratio | 59.0860% | 5,529 |
| Assets per employee ($millions) | 4.2528% | 3,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 5,518 |
| Loan loss allowance to noncurrent loans | 138.3412% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.4535% | 4,775 |
| Noncurrent loans to loans | 0.7236% | 4,054 |
| Net loans and leases to total assets | 56.3195% | 4,105 |
| Net loans and leases to deposits | 63.5607% | 4,368 |
| Net loans and leases to core deposits | 65.1691% | 4,586 |
| Total domestic deposits to total assets | 88.6073% | 1,887 |
| Equity capital to assets | 9.9773% | 3,869 |
| Core capital (leverage) ratio | 8.6909% | 5,392 |
| Tier 1 risk-based capital ratio | 14.5788% | 3,959 |
| Total risk-based capital ratio | 15.5610% | 4,073 |
| Memoranda: | ||
| Average total assets | $310,896,000 | 2,106 |
| Average earning assets | $295,979,000 | 2,041 |
| Average equity | $30,357,000 | 2,252 |
| Average total loans | $177,679,500 | 2,262 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3899% | 5,859 |
| Cost of funding earning assets | 0.4151% | 4,479 |
| Net interest margin | 2.9748% | 5,633 |
| Noninterest income to average assets | 0.4766% | 3,915 |
| Noninterest expense to average assets | 2.0141% | 6,006 |
| Loan and lease loss provision to assets | 0.0217% | 4,693 |
| Net operating income to assets | 0.8625% | 2,961 |
| Return on assets (ROA) | 0.9838% | 2,470 |
| Pretax return on assets | 1.4480% | 1,625 |
| Return on Equity (ROE) | 10.5588% | 1,907 |
| Retained earnings to average equity (ytd only) | 6.7710% | 1,543 |
| Net charge-offs to loans | -0.0264% | 6,199 |
| Credit loss provision to net charge-offs | -159.0909% | 5,960 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9356% | 5,363 |
| Assets per employee ($millions) | 4.0434% | 3,774 |
| Cash dividends to net income (ytd only)* | 35.8740% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0104% | 5,511 |
| Loan loss allowance to noncurrent loans | 132.3077% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 0.5117% | 4,707 |
| Noncurrent loans to loans | 0.7637% | 4,057 |
| Net loans and leases to total assets | 56.8318% | 4,213 |
| Net loans and leases to deposits | 66.8279% | 4,201 |
| Net loans and leases to core deposits | 68.5946% | 4,437 |
| Total domestic deposits to total assets | 85.0420% | 3,721 |
| Equity capital to assets | 9.5520% | 4,345 |
| Core capital (leverage) ratio | 8.2053% | 5,971 |
| Tier 1 risk-based capital ratio | 14.0269% | 4,279 |
| Total risk-based capital ratio | 15.0224% | 4,406 |
| Memoranda: | ||
| Average total assets | $322,717,000 | 1,990 |
| Average earning assets | $306,881,800 | 1,927 |
| Average equity | $30,069,600 | 2,247 |
| Average total loans | $166,862,200 | 2,342 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3246% | 6,014 |
| Cost of funding earning assets | 0.4192% | 4,630 |
| Net interest margin | 2.9054% | 5,805 |
| Noninterest income to average assets | 0.4796% | 3,937 |
| Noninterest expense to average assets | 1.9707% | 6,067 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8641% | 3,023 |
| Return on assets (ROA) | 0.9677% | 2,612 |
| Pretax return on assets | 1.4227% | 1,858 |
| Return on Equity (ROE) | 10.4489% | 2,023 |
| Retained earnings to average equity (ytd only) | 9.4584% | 920 |
| Net charge-offs to loans | -0.0553% | 6,346 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8036% | 5,307 |
| Assets per employee ($millions) | 4.2576% | 3,313 |
| Cash dividends to net income (ytd only)* | 9.4795% | 3,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0565% | 5,499 |
| Loan loss allowance to noncurrent loans | 125.9843% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 0.5015% | 4,943 |
| Noncurrent loans to loans | 0.8386% | 4,157 |
| Net loans and leases to total assets | 52.3140% | 4,841 |
| Net loans and leases to deposits | 60.3441% | 4,933 |
| Net loans and leases to core deposits | 61.9476% | 5,120 |
| Total domestic deposits to total assets | 86.6928% | 2,861 |
| Equity capital to assets | 9.6266% | 4,384 |
| Core capital (leverage) ratio | 8.0891% | 6,161 |
| Tier 1 risk-based capital ratio | 14.8661% | 3,837 |
| Total risk-based capital ratio | 15.8902% | 3,936 |
| Memoranda: | ||
| Average total assets | $325,561,750 | 1,990 |
| Average earning assets | $309,442,250 | 1,928 |
| Average equity | $30,152,250 | 2,260 |
| Average total loans | $163,891,500 | 2,381 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2576% | 6,149 |
| Cost of funding earning assets | 0.4256% | 4,700 |
| Net interest margin | 2.8320% | 5,939 |
| Noninterest income to average assets | 0.4656% | 4,055 |
| Noninterest expense to average assets | 1.9206% | 6,184 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8324% | 3,135 |
| Return on assets (ROA) | 0.9494% | 2,719 |
| Pretax return on assets | 1.4064% | 1,911 |
| Return on Equity (ROE) | 10.3812% | 2,048 |
| Retained earnings to average equity (ytd only) | 8.8924% | 1,164 |
| Net charge-offs to loans | 0.1104% | 3,255 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 22.5667% | 1,363 |
| Efficiency ratio | 60.8746% | 5,353 |
| Assets per employee ($millions) | 4.3645% | 3,065 |
| Cash dividends to net income (ytd only)* | 14.3406% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9875% | 5,877 |
| Loan loss allowance to noncurrent loans | 145.6364% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.3519% | 5,430 |
| Noncurrent loans to loans | 0.6780% | 4,582 |
| Net loans and leases to total assets | 49.0721% | 5,216 |
| Net loans and leases to deposits | 55.7863% | 5,364 |
| Net loans and leases to core deposits | 57.4972% | 5,465 |
| Total domestic deposits to total assets | 87.9643% | 2,272 |
| Equity capital to assets | 8.9682% | 5,252 |
| Core capital (leverage) ratio | 7.7148% | 6,360 |
| Tier 1 risk-based capital ratio | 14.6742% | 3,981 |
| Total risk-based capital ratio | 15.6241% | 4,133 |
| Memoranda: | ||
| Average total assets | $329,061,330 | 1,974 |
| Average earning assets | $312,498,330 | 1,911 |
| Average equity | $30,093,000 | 2,266 |
| Average total loans | $162,994,670 | 2,400 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3233% | 6,107 |
| Cost of funding earning assets | 0.4336% | 4,767 |
| Net interest margin | 2.8897% | 5,834 |
| Noninterest income to average assets | 0.4534% | 4,097 |
| Noninterest expense to average assets | 1.9289% | 6,233 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8614% | 2,859 |
| Return on assets (ROA) | 0.8729% | 2,938 |
| Pretax return on assets | 1.2803% | 2,296 |
| Return on Equity (ROE) | 9.4546% | 2,293 |
| Retained earnings to average equity (ytd only) | 9.4546% | 1,256 |
| Net charge-offs to loans | -0.0049% | 5,261 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4254% | 5,528 |
| Assets per employee ($millions) | 4.4072% | 3,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0690% | 5,719 |
| Loan loss allowance to noncurrent loans | 133.8073% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.3990% | 5,396 |
| Noncurrent loans to loans | 0.7989% | 4,523 |
| Net loans and leases to total assets | 47.4301% | 5,287 |
| Net loans and leases to deposits | 54.2660% | 5,413 |
| Net loans and leases to core deposits | 55.8238% | 5,535 |
| Total domestic deposits to total assets | 87.4031% | 2,688 |
| Equity capital to assets | 9.2990% | 5,132 |
| Core capital (leverage) ratio | 7.6469% | 6,388 |
| Tier 1 risk-based capital ratio | 14.7272% | 4,012 |
| Total risk-based capital ratio | 15.7611% | 4,134 |
| Memoranda: | ||
| Average total assets | $329,924,500 | 1,993 |
| Average earning assets | $312,701,500 | 1,942 |
| Average equity | $30,461,500 | 2,271 |
| Average total loans | $163,376,000 | 2,399 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6220% | 6,187 |
| Cost of funding earning assets | 0.5470% | 4,842 |
| Net interest margin | 3.0750% | 5,872 |
| Noninterest income to average assets | 0.5036% | 3,874 |
| Noninterest expense to average assets | 1.9882% | 6,352 |
| Loan and lease loss provision to assets | 0.0316% | 5,501 |
| Net operating income to assets | 0.9573% | 2,512 |
| Return on assets (ROA) | 0.9696% | 2,697 |
| Pretax return on assets | 1.4163% | 1,981 |
| Return on Equity (ROE) | 10.3951% | 2,000 |
| Retained earnings to average equity (ytd only) | 6.5372% | 1,798 |
| Net charge-offs to loans | 0.0951% | 4,717 |
| Credit loss provision to net charge-offs | 66.2252% | 4,280 |
| Earnings coverage of net charge-offs (x) | 29.9735% | 1,015 |
| Efficiency ratio | 58.1662% | 5,806 |
| Assets per employee ($millions) | 4.4501% | 3,053 |
| Cash dividends to net income (ytd only)* | 37.1131% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 5,941 |
| Loan loss allowance to noncurrent loans | 135.9036% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.3787% | 5,558 |
| Noncurrent loans to loans | 0.7398% | 4,700 |
| Net loans and leases to total assets | 50.5879% | 5,094 |
| Net loans and leases to deposits | 57.7595% | 5,271 |
| Net loans and leases to core deposits | 59.2061% | 5,435 |
| Total domestic deposits to total assets | 87.5837% | 2,488 |
| Equity capital to assets | 9.1665% | 5,315 |
| Core capital (leverage) ratio | 7.3800% | 6,549 |
| Tier 1 risk-based capital ratio | 13.3646% | 4,843 |
| Total risk-based capital ratio | 14.3306% | 4,998 |
| Memoranda: | ||
| Average total assets | $316,525,400 | 2,028 |
| Average earning assets | $300,003,600 | 1,971 |
| Average equity | $29,523,400 | 2,278 |
| Average total loans | $158,826,800 | 2,449 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6482% | 6,314 |
| Cost of funding earning assets | 0.5726% | 4,887 |
| Net interest margin | 3.0755% | 5,994 |
| Noninterest income to average assets | 0.5064% | 3,885 |
| Noninterest expense to average assets | 1.9583% | 6,429 |
| Loan and lease loss provision to assets | 0.0426% | 5,242 |
| Net operating income to assets | 0.9716% | 2,650 |
| Return on assets (ROA) | 0.9881% | 2,796 |
| Pretax return on assets | 1.4506% | 2,076 |
| Return on Equity (ROE) | 10.5455% | 2,117 |
| Retained earnings to average equity (ytd only) | 9.5282% | 1,052 |
| Net charge-offs to loans | 0.1329% | 4,058 |
| Credit loss provision to net charge-offs | 64.1026% | 4,045 |
| Earnings coverage of net charge-offs (x) | 22.1287% | 1,362 |
| Efficiency ratio | 57.1393% | 5,903 |
| Assets per employee ($millions) | 4.3233% | 3,226 |
| Cash dividends to net income (ytd only)* | 9.6469% | 3,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0585% | 5,860 |
| Loan loss allowance to noncurrent loans | 157.2227% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.3623% | 5,791 |
| Noncurrent loans to loans | 0.6733% | 5,098 |
| Net loans and leases to total assets | 49.2897% | 5,405 |
| Net loans and leases to deposits | 56.9028% | 5,544 |
| Net loans and leases to core deposits | 58.7710% | 5,680 |
| Total domestic deposits to total assets | 86.6208% | 2,905 |
| Equity capital to assets | 9.5932% | 5,073 |
| Core capital (leverage) ratio | 7.5412% | 6,595 |
| Tier 1 risk-based capital ratio | 14.1577% | 4,410 |
| Total risk-based capital ratio | 15.1707% | 4,548 |
| Memoranda: | ||
| Average total assets | $313,329,750 | 2,073 |
| Average earning assets | $297,566,500 | 2,007 |
| Average equity | $29,357,750 | 2,310 |
| Average total loans | $156,463,000 | 2,511 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6654% | 6,395 |
| Cost of funding earning assets | 0.6070% | 4,842 |
| Net interest margin | 3.0585% | 6,108 |
| Noninterest income to average assets | 0.4898% | 3,986 |
| Noninterest expense to average assets | 1.9542% | 6,508 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9715% | 2,579 |
| Return on assets (ROA) | 0.9816% | 2,777 |
| Pretax return on assets | 1.4528% | 2,001 |
| Return on Equity (ROE) | 10.5626% | 2,146 |
| Retained earnings to average equity (ytd only) | 9.0131% | 1,272 |
| Net charge-offs to loans | 0.2019% | 3,370 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 14.2484% | 1,726 |
| Efficiency ratio | 57.6085% | 5,919 |
| Assets per employee ($millions) | 4.2587% | 3,343 |
| Cash dividends to net income (ytd only)* | 14.6693% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0208% | 6,070 |
| Loan loss allowance to noncurrent loans | 153.5334% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.3287% | 5,939 |
| Noncurrent loans to loans | 0.6649% | 5,174 |
| Net loans and leases to total assets | 48.7975% | 5,522 |
| Net loans and leases to deposits | 55.1975% | 5,743 |
| Net loans and leases to core deposits | 56.9449% | 5,866 |
| Total domestic deposits to total assets | 88.4053% | 1,881 |
| Equity capital to assets | 9.3903% | 5,203 |
| Core capital (leverage) ratio | 7.4226% | 6,655 |
| Tier 1 risk-based capital ratio | 14.2158% | 4,294 |
| Total risk-based capital ratio | 15.2054% | 4,450 |
| Memoranda: | ||
| Average total assets | $311,132,000 | 2,083 |
| Average earning assets | $295,244,670 | 2,013 |
| Average equity | $28,913,330 | 2,333 |
| Average total loans | $155,492,000 | 2,528 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7438% | 6,361 |
| Cost of funding earning assets | 0.6629% | 4,607 |
| Net interest margin | 3.0808% | 6,103 |
| Noninterest income to average assets | 0.4865% | 4,011 |
| Noninterest expense to average assets | 1.9914% | 6,479 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9472% | 2,710 |
| Return on assets (ROA) | 0.9472% | 2,918 |
| Pretax return on assets | 1.4117% | 2,157 |
| Return on Equity (ROE) | 10.2473% | 2,318 |
| Retained earnings to average equity (ytd only) | 10.2473% | 1,207 |
| Net charge-offs to loans | 0.0026% | 4,713 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1,091.0000% | 16 |
| Efficiency ratio | 58.5171% | 5,848 |
| Assets per employee ($millions) | 4.2719% | 3,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1675% | 5,646 |
| Loan loss allowance to noncurrent loans | 137.8165% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.4082% | 5,840 |
| Noncurrent loans to loans | 0.8472% | 4,983 |
| Net loans and leases to total assets | 47.2859% | 5,646 |
| Net loans and leases to deposits | 53.3434% | 5,876 |
| Net loans and leases to core deposits | 55.5705% | 5,942 |
| Total domestic deposits to total assets | 88.6443% | 1,925 |
| Equity capital to assets | 9.2813% | 5,117 |
| Core capital (leverage) ratio | 7.3222% | 6,717 |
| Tier 1 risk-based capital ratio | 14.2564% | 4,271 |
| Total risk-based capital ratio | 15.3745% | 4,346 |
| Memoranda: | ||
| Average total assets | $309,125,500 | 2,102 |
| Average earning assets | $292,647,000 | 2,040 |
| Average equity | $28,573,500 | 2,356 |
| Average total loans | $155,553,500 | 2,547 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0568% | 6,349 |
| Cost of funding earning assets | 0.8568% | 4,424 |
| Net interest margin | 3.2000% | 6,096 |
| Noninterest income to average assets | 0.4294% | 4,377 |
| Noninterest expense to average assets | 2.0834% | 6,524 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9295% | 2,486 |
| Return on assets (ROA) | 1.0107% | 2,305 |
| Pretax return on assets | 1.4985% | 1,474 |
| Return on Equity (ROE) | 11.2545% | 1,632 |
| Retained earnings to average equity (ytd only) | 5.4912% | 2,306 |
| Net charge-offs to loans | 0.0400% | 5,911 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 68.4098% | 437 |
| Efficiency ratio | 60.1907% | 5,728 |
| Assets per employee ($millions) | 4.1972% | 3,471 |
| Cash dividends to net income (ytd only)* | 51.2084% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0766% | 5,899 |
| Loan loss allowance to noncurrent loans | 144.2881% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.4021% | 5,963 |
| Noncurrent loans to loans | 0.7461% | 5,206 |
| Net loans and leases to total assets | 52.2717% | 5,270 |
| Net loans and leases to deposits | 59.5255% | 5,542 |
| Net loans and leases to core deposits | 62.1510% | 5,638 |
| Total domestic deposits to total assets | 87.8139% | 2,271 |
| Equity capital to assets | 9.2047% | 5,275 |
| Core capital (leverage) ratio | 6.9479% | 6,879 |
| Tier 1 risk-based capital ratio | 12.8170% | 5,232 |
| Total risk-based capital ratio | 13.8571% | 5,358 |
| Memoranda: | ||
| Average total assets | $302,964,800 | 2,117 |
| Average earning assets | $286,996,600 | 2,042 |
| Average equity | $27,207,000 | 2,381 |
| Average total loans | $152,608,800 | 2,605 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0595% | 6,487 |
| Cost of funding earning assets | 0.8825% | 4,529 |
| Net interest margin | 3.1769% | 6,214 |
| Noninterest income to average assets | 0.4025% | 4,648 |
| Noninterest expense to average assets | 2.0681% | 6,554 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9070% | 2,713 |
| Return on assets (ROA) | 1.0155% | 2,422 |
| Pretax return on assets | 1.5102% | 1,623 |
| Return on Equity (ROE) | 11.3804% | 1,732 |
| Retained earnings to average equity (ytd only) | 9.9560% | 856 |
| Net charge-offs to loans | 0.0053% | 6,107 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 509.1538% | 74 |
| Efficiency ratio | 60.5219% | 5,634 |
| Assets per employee ($millions) | 4.3820% | 3,106 |
| Cash dividends to net income (ytd only)* | 12.5163% | 3,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1867% | 5,520 |
| Loan loss allowance to noncurrent loans | 192.2995% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.3092% | 6,295 |
| Noncurrent loans to loans | 0.6171% | 5,653 |
| Net loans and leases to total assets | 46.8020% | 6,072 |
| Net loans and leases to deposits | 53.0044% | 6,292 |
| Net loans and leases to core deposits | 55.0838% | 6,384 |
| Total domestic deposits to total assets | 88.2984% | 1,874 |
| Equity capital to assets | 9.0316% | 5,716 |
| Core capital (leverage) ratio | 7.1131% | 6,924 |
| Tier 1 risk-based capital ratio | 13.8564% | 4,447 |
| Total risk-based capital ratio | 14.9889% | 4,505 |
| Memoranda: | ||
| Average total assets | $302,106,250 | 2,128 |
| Average earning assets | $286,599,250 | 2,056 |
| Average equity | $26,958,000 | 2,396 |
| Average total loans | $150,285,250 | 2,654 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1212% | 6,444 |
| Cost of funding earning assets | 0.9228% | 4,500 |
| Net interest margin | 3.1984% | 6,165 |
| Noninterest income to average assets | 0.3917% | 4,744 |
| Noninterest expense to average assets | 2.0562% | 6,681 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9249% | 2,536 |
| Return on assets (ROA) | 0.9373% | 2,586 |
| Pretax return on assets | 1.3870% | 1,831 |
| Return on Equity (ROE) | 10.5496% | 1,937 |
| Retained earnings to average equity (ytd only) | 8.3607% | 1,315 |
| Net charge-offs to loans | 0.0200% | 5,561 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 135.1333% | 264 |
| Efficiency ratio | 60.0158% | 5,874 |
| Assets per employee ($millions) | 4.1848% | 3,380 |
| Cash dividends to net income (ytd only)* | 20.7493% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2080% | 5,509 |
| Loan loss allowance to noncurrent loans | 258.1530% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.2514% | 6,501 |
| Noncurrent loans to loans | 0.4679% | 5,970 |
| Net loans and leases to total assets | 47.8911% | 6,062 |
| Net loans and leases to deposits | 53.9545% | 6,305 |
| Net loans and leases to core deposits | 56.1608% | 6,404 |
| Total domestic deposits to total assets | 88.7621% | 1,689 |
| Equity capital to assets | 9.0732% | 5,476 |
| Core capital (leverage) ratio | 7.0766% | 6,965 |
| Tier 1 risk-based capital ratio | 13.3575% | 4,644 |
| Total risk-based capital ratio | 14.4909% | 4,711 |
| Memoranda: | ||
| Average total assets | $296,179,000 | 2,173 |
| Average earning assets | $280,887,670 | 2,095 |
| Average equity | $26,313,670 | 2,439 |
| Average total loans | $149,876,330 | 2,689 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1478% | 6,400 |
| Cost of funding earning assets | 0.9782% | 4,364 |
| Net interest margin | 3.1695% | 6,167 |
| Noninterest income to average assets | 0.4116% | 4,609 |
| Noninterest expense to average assets | 2.1707% | 6,487 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8393% | 2,830 |
| Return on assets (ROA) | 0.8589% | 2,805 |
| Pretax return on assets | 1.2706% | 2,131 |
| Return on Equity (ROE) | 9.7769% | 2,177 |
| Retained earnings to average equity (ytd only) | 9.7769% | 1,163 |
| Net charge-offs to loans | -0.0159% | 6,497 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5706% | 5,435 |
| Assets per employee ($millions) | 4.0771% | 3,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2294% | 5,483 |
| Loan loss allowance to noncurrent loans | 256.0113% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.2779% | 6,491 |
| Noncurrent loans to loans | 0.4802% | 6,059 |
| Net loans and leases to total assets | 48.8591% | 5,971 |
| Net loans and leases to deposits | 54.9238% | 6,218 |
| Net loans and leases to core deposits | 57.5591% | 6,298 |
| Total domestic deposits to total assets | 88.9580% | 1,799 |
| Equity capital to assets | 8.7243% | 5,617 |
| Core capital (leverage) ratio | 7.0689% | 6,977 |
| Tier 1 risk-based capital ratio | 13.1898% | 4,674 |
| Total risk-based capital ratio | 14.3481% | 4,727 |
| Memoranda: | ||
| Average total assets | $291,522,000 | 2,214 |
| Average earning assets | $276,004,000 | 2,148 |
| Average equity | $25,611,500 | 2,482 |
| Average total loans | $150,768,000 | 2,703 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5331% | 6,307 |
| Cost of funding earning assets | 1.1495% | 4,851 |
| Net interest margin | 3.3836% | 5,693 |
| Noninterest income to average assets | 0.4827% | 4,302 |
| Noninterest expense to average assets | 2.2112% | 6,586 |
| Loan and lease loss provision to assets | 0.1074% | 6,072 |
| Net operating income to assets | 0.9421% | 2,232 |
| Return on assets (ROA) | 0.9826% | 2,210 |
| Pretax return on assets | 1.4177% | 1,612 |
| Return on Equity (ROE) | 10.7559% | 1,658 |
| Retained earnings to average equity (ytd only) | 4.1079% | 2,980 |
| Net charge-offs to loans | 0.0251% | 6,560 |
| Credit loss provision to net charge-offs | 789.4737% | 275 |
| Earnings coverage of net charge-offs (x) | 107.7632% | 231 |
| Efficiency ratio | 60.0195% | 6,045 |
| Assets per employee ($millions) | 3.8056% | 4,243 |
| Cash dividends to net income (ytd only)* | 61.8076% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1691% | 5,645 |
| Loan loss allowance to noncurrent loans | 308.3761% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.2340% | 6,650 |
| Noncurrent loans to loans | 0.3791% | 6,288 |
| Net loans and leases to total assets | 53.4320% | 5,709 |
| Net loans and leases to deposits | 59.9421% | 6,065 |
| Net loans and leases to core deposits | 62.8131% | 6,172 |
| Total domestic deposits to total assets | 89.1394% | 1,580 |
| Equity capital to assets | 8.8492% | 5,359 |
| Core capital (leverage) ratio | 7.0536% | 7,000 |
| Tier 1 risk-based capital ratio | 12.5632% | 4,963 |
| Total risk-based capital ratio | 13.6973% | 5,052 |
| Memoranda: | ||
| Average total assets | $279,258,400 | 2,285 |
| Average earning assets | $263,680,000 | 2,224 |
| Average equity | $25,511,600 | 2,502 |
| Average total loans | $151,504,600 | 2,745 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5608% | 6,442 |
| Cost of funding earning assets | 1.1648% | 5,061 |
| Net interest margin | 3.3959% | 5,695 |
| Noninterest income to average assets | 0.4652% | 4,449 |
| Noninterest expense to average assets | 2.2291% | 6,527 |
| Loan and lease loss provision to assets | 0.0480% | 6,601 |
| Net operating income to assets | 0.9630% | 2,361 |
| Return on assets (ROA) | 1.0173% | 2,292 |
| Pretax return on assets | 1.4748% | 1,668 |
| Return on Equity (ROE) | 11.0469% | 1,770 |
| Retained earnings to average equity (ytd only) | 8.8782% | 1,092 |
| Net charge-offs to loans | -0.0336% | 7,419 |
| Credit loss provision to net charge-offs | -263.1579% | 6,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5803% | 5,856 |
| Assets per employee ($millions) | 3.9385% | 3,958 |
| Cash dividends to net income (ytd only)* | 19.6318% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1089% | 5,904 |
| Loan loss allowance to noncurrent loans | 257.6687% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.2525% | 6,736 |
| Noncurrent loans to loans | 0.4304% | 6,337 |
| Net loans and leases to total assets | 51.4047% | 6,172 |
| Net loans and leases to deposits | 58.3324% | 6,441 |
| Net loans and leases to core deposits | 60.9162% | 6,543 |
| Total domestic deposits to total assets | 88.1238% | 1,886 |
| Equity capital to assets | 9.2181% | 5,287 |
| Core capital (leverage) ratio | 7.3500% | 6,973 |
| Tier 1 risk-based capital ratio | 13.1226% | 4,482 |
| Total risk-based capital ratio | 14.1909% | 4,603 |
| Memoranda: | ||
| Average total assets | $277,718,750 | 2,334 |
| Average earning assets | $262,346,500 | 2,270 |
| Average equity | $25,575,250 | 2,534 |
| Average total loans | $150,803,750 | 2,796 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6279% | 6,379 |
| Cost of funding earning assets | 1.1708% | 5,283 |
| Net interest margin | 3.4572% | 5,417 |
| Noninterest income to average assets | 0.4467% | 4,552 |
| Noninterest expense to average assets | 2.2479% | 6,513 |
| Loan and lease loss provision to assets | 0.0732% | 6,215 |
| Net operating income to assets | 0.9525% | 2,355 |
| Return on assets (ROA) | 1.0354% | 2,140 |
| Pretax return on assets | 1.5062% | 1,543 |
| Return on Equity (ROE) | 11.2468% | 1,668 |
| Retained earnings to average equity (ytd only) | 7.9380% | 1,461 |
| Net charge-offs to loans | -0.0345% | 7,386 |
| Credit loss provision to net charge-offs | -384.6154% | 6,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5175% | 5,953 |
| Assets per employee ($millions) | 3.7800% | 4,268 |
| Cash dividends to net income (ytd only)* | 29.4201% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0932% | 5,978 |
| Loan loss allowance to noncurrent loans | 235.4020% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.2957% | 6,670 |
| Noncurrent loans to loans | 0.4644% | 6,324 |
| Net loans and leases to total assets | 54.7247% | 5,880 |
| Net loans and leases to deposits | 62.3660% | 6,201 |
| Net loans and leases to core deposits | 65.0274% | 6,309 |
| Total domestic deposits to total assets | 87.7477% | 2,138 |
| Equity capital to assets | 9.3908% | 4,877 |
| Core capital (leverage) ratio | 7.4303% | 6,892 |
| Tier 1 risk-based capital ratio | 12.8924% | 4,532 |
| Total risk-based capital ratio | 13.9721% | 4,642 |
| Memoranda: | ||
| Average total assets | $273,142,330 | 2,385 |
| Average earning assets | $257,610,000 | 2,330 |
| Average equity | $25,145,000 | 2,573 |
| Average total loans | $150,572,330 | 2,825 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6491% | 6,413 |
| Cost of funding earning assets | 1.1795% | 5,513 |
| Net interest margin | 3.4697% | 5,288 |
| Noninterest income to average assets | 0.4784% | 4,212 |
| Noninterest expense to average assets | 2.2963% | 6,388 |
| Loan and lease loss provision to assets | 0.1472% | 5,075 |
| Net operating income to assets | 0.8933% | 2,575 |
| Return on assets (ROA) | 1.0598% | 2,034 |
| Pretax return on assets | 1.5456% | 1,407 |
| Return on Equity (ROE) | 11.6312% | 1,603 |
| Retained earnings to average equity (ytd only) | 4.9109% | 3,201 |
| Net charge-offs to loans | -0.0642% | 7,420 |
| Credit loss provision to net charge-offs | -416.6667% | 6,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1548% | 5,973 |
| Assets per employee ($millions) | 3.7417% | 4,456 |
| Cash dividends to net income (ytd only)* | 57.7778% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1207% | 5,909 |
| Loan loss allowance to noncurrent loans | 321.6216% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.2331% | 6,874 |
| Noncurrent loans to loans | 0.3485% | 6,603 |
| Net loans and leases to total assets | 54.5603% | 5,947 |
| Net loans and leases to deposits | 62.2934% | 6,249 |
| Net loans and leases to core deposits | 64.6449% | 6,407 |
| Total domestic deposits to total assets | 87.5859% | 2,308 |
| Equity capital to assets | 9.2182% | 4,967 |
| Core capital (leverage) ratio | 7.3160% | 7,011 |
| Tier 1 risk-based capital ratio | 12.7259% | 4,536 |
| Total risk-based capital ratio | 13.8284% | 4,631 |
| Memoranda: | ||
| Average total assets | $271,743,000 | 2,458 |
| Average earning assets | $256,048,500 | 2,391 |
| Average equity | $24,761,000 | 2,633 |
| Average total loans | $149,520,000 | 2,912 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0860% | 6,144 |
| Cost of funding earning assets | 1.5386% | 5,344 |
| Net interest margin | 3.5474% | 4,757 |
| Noninterest income to average assets | 0.4731% | 4,628 |
| Noninterest expense to average assets | 2.4208% | 6,404 |
| Loan and lease loss provision to assets | 0.1043% | 6,592 |
| Net operating income to assets | 0.9097% | 2,148 |
| Return on assets (ROA) | 0.9103% | 2,206 |
| Pretax return on assets | 1.2888% | 1,723 |
| Return on Equity (ROE) | 9.6237% | 1,808 |
| Retained earnings to average equity (ytd only) | 3.2215% | 2,904 |
| Net charge-offs to loans | 0.1606% | 5,667 |
| Credit loss provision to net charge-offs | 116.3793% | 4,663 |
| Earnings coverage of net charge-offs (x) | 15.5388% | 1,302 |
| Efficiency ratio | 63.0609% | 5,956 |
| Assets per employee ($millions) | 3.7546% | 4,383 |
| Cash dividends to net income (ytd only)* | 66.5252% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0254% | 6,237 |
| Loan loss allowance to noncurrent loans | 299.4175% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.2448% | 6,846 |
| Noncurrent loans to loans | 0.3424% | 6,592 |
| Net loans and leases to total assets | 54.3065% | 6,170 |
| Net loans and leases to deposits | 63.7184% | 6,304 |
| Net loans and leases to core deposits | 72.9629% | 6,596 |
| Total domestic deposits to total assets | 85.2289% | 3,445 |
| Equity capital to assets | 9.0075% | 5,135 |
| Core capital (leverage) ratio | 7.1113% | 7,148 |
| Tier 1 risk-based capital ratio | 12.2693% | 4,709 |
| Total risk-based capital ratio | 13.2690% | 4,884 |
| Memoranda: | ||
| Average total assets | $258,927,000 | 2,527 |
| Average earning assets | $243,786,600 | 2,467 |
| Average equity | $24,491,600 | 2,664 |
| Average total loans | $144,444,600 | 3,009 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1437% | 6,127 |
| Cost of funding earning assets | 1.6079% | 5,366 |
| Net interest margin | 3.5359% | 4,717 |
| Noninterest income to average assets | 0.5032% | 4,457 |
| Noninterest expense to average assets | 2.4807% | 6,136 |
| Loan and lease loss provision to assets | 0.1150% | 6,216 |
| Net operating income to assets | 0.8795% | 2,499 |
| Return on assets (ROA) | 0.8795% | 2,571 |
| Pretax return on assets | 1.2380% | 2,140 |
| Return on Equity (ROE) | 9.1805% | 2,197 |
| Retained earnings to average equity (ytd only) | 7.6095% | 1,260 |
| Net charge-offs to loans | 0.1987% | 4,824 |
| Credit loss provision to net charge-offs | 103.2864% | 4,927 |
| Earnings coverage of net charge-offs (x) | 12.1550% | 1,788 |
| Efficiency ratio | 64.2039% | 5,705 |
| Assets per employee ($millions) | 3.6997% | 4,427 |
| Cash dividends to net income (ytd only)* | 17.1123% | 3,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0702% | 5,899 |
| Loan loss allowance to noncurrent loans | 362.3501% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.2474% | 6,896 |
| Noncurrent loans to loans | 0.2953% | 6,772 |
| Net loans and leases to total assets | 52.4375% | 6,566 |
| Net loans and leases to deposits | 60.9213% | 6,754 |
| Net loans and leases to core deposits | 71.2538% | 6,892 |
| Total domestic deposits to total assets | 86.0742% | 2,671 |
| Equity capital to assets | 9.6191% | 4,600 |
| Core capital (leverage) ratio | 7.4045% | 7,075 |
| Tier 1 risk-based capital ratio | 13.1619% | 4,077 |
| Total risk-based capital ratio | 14.1805% | 4,174 |
| Memoranda: | ||
| Average total assets | $255,138,000 | 2,568 |
| Average earning assets | $240,312,000 | 2,512 |
| Average equity | $24,442,500 | 2,697 |
| Average total loans | $142,959,000 | 3,064 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2046% | 6,061 |
| Cost of funding earning assets | 1.6412% | 5,557 |
| Net interest margin | 3.5633% | 4,526 |
| Noninterest income to average assets | 0.4845% | 4,586 |
| Noninterest expense to average assets | 2.5188% | 6,059 |
| Loan and lease loss provision to assets | 0.1750% | 5,295 |
| Net operating income to assets | 0.8218% | 2,769 |
| Return on assets (ROA) | 0.8218% | 2,865 |
| Pretax return on assets | 1.1416% | 2,496 |
| Return on Equity (ROE) | 8.5908% | 2,524 |
| Retained earnings to average equity (ytd only) | 6.1957% | 1,930 |
| Net charge-offs to loans | 0.2912% | 3,736 |
| Credit loss provision to net charge-offs | 105.2632% | 4,367 |
| Earnings coverage of net charge-offs (x) | 7.9187% | 2,361 |
| Efficiency ratio | 64.9658% | 5,728 |
| Assets per employee ($millions) | 3.4605% | 4,923 |
| Cash dividends to net income (ytd only)* | 27.8800% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0833% | 5,708 |
| Loan loss allowance to noncurrent loans | 250.4132% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.3081% | 6,695 |
| Noncurrent loans to loans | 0.4326% | 6,435 |
| Net loans and leases to total assets | 54.0203% | 6,452 |
| Net loans and leases to deposits | 60.8524% | 6,825 |
| Net loans and leases to core deposits | 70.9591% | 6,971 |
| Total domestic deposits to total assets | 88.7726% | 1,392 |
| Equity capital to assets | 9.4561% | 4,668 |
| Core capital (leverage) ratio | 7.5129% | 6,994 |
| Tier 1 risk-based capital ratio | 12.8890% | 4,221 |
| Total risk-based capital ratio | 13.9237% | 4,297 |
| Memoranda: | ||
| Average total assets | $251,392,000 | 2,617 |
| Average earning assets | $236,407,000 | 2,560 |
| Average equity | $24,049,000 | 2,750 |
| Average total loans | $143,548,000 | 3,086 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2662% | 6,040 |
| Cost of funding earning assets | 1.6760% | 5,713 |
| Net interest margin | 3.5902% | 4,355 |
| Noninterest income to average assets | 0.4834% | 4,470 |
| Noninterest expense to average assets | 2.3128% | 6,497 |
| Loan and lease loss provision to assets | 0.2570% | 3,907 |
| Net operating income to assets | 0.9091% | 2,663 |
| Return on assets (ROA) | 0.9091% | 2,811 |
| Pretax return on assets | 1.2785% | 2,350 |
| Return on Equity (ROE) | 9.4467% | 2,556 |
| Retained earnings to average equity (ytd only) | 9.4467% | 1,355 |
| Net charge-offs to loans | 0.2091% | 3,390 |
| Credit loss provision to net charge-offs | 210.5263% | 2,131 |
| Earnings coverage of net charge-offs (x) | 12.5789% | 1,793 |
| Efficiency ratio | 59.3907% | 6,498 |
| Assets per employee ($millions) | 3.4259% | 5,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1174% | 5,345 |
| Loan loss allowance to noncurrent loans | 194.3696% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.3712% | 6,396 |
| Noncurrent loans to loans | 0.5749% | 5,970 |
| Net loans and leases to total assets | 55.4328% | 6,315 |
| Net loans and leases to deposits | 62.8465% | 6,660 |
| Net loans and leases to core deposits | 73.1772% | 6,857 |
| Total domestic deposits to total assets | 88.2035% | 1,650 |
| Equity capital to assets | 9.5588% | 4,593 |
| Core capital (leverage) ratio | 7.6817% | 6,911 |
| Tier 1 risk-based capital ratio | 12.5951% | 4,480 |
| Total risk-based capital ratio | 13.6660% | 4,526 |
| Memoranda: | ||
| Average total assets | $249,049,000 | 2,656 |
| Average earning assets | $233,411,000 | 2,605 |
| Average equity | $23,966,000 | 2,770 |
| Average total loans | $145,397,500 | 3,082 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9536% | 5,794 |
| Cost of funding earning assets | 1.9181% | 6,678 |
| Net interest margin | 4.0355% | 2,956 |
| Noninterest income to average assets | 0.4762% | 4,828 |
| Noninterest expense to average assets | 2.4922% | 6,037 |
| Loan and lease loss provision to assets | 0.2771% | 4,173 |
| Net operating income to assets | 1.0209% | 2,471 |
| Return on assets (ROA) | 1.0309% | 2,317 |
| Pretax return on assets | 1.4697% | 1,767 |
| Return on Equity (ROE) | 10.5788% | 2,059 |
| Retained earnings to average equity (ytd only) | 3.7661% | 2,792 |
| Net charge-offs to loans | 0.2236% | 3,994 |
| Credit loss provision to net charge-offs | 210.8626% | 2,288 |
| Earnings coverage of net charge-offs (x) | 13.1821% | 2,157 |
| Efficiency ratio | 58.2149% | 6,658 |
| Assets per employee ($millions) | 3.2182% | 5,432 |
| Cash dividends to net income (ytd only)* | 64.3992% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0116% | 5,922 |
| Loan loss allowance to noncurrent loans | 208.0221% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.3308% | 6,281 |
| Noncurrent loans to loans | 0.4863% | 5,890 |
| Net loans and leases to total assets | 60.1729% | 5,885 |
| Net loans and leases to deposits | 68.9698% | 6,378 |
| Net loans and leases to core deposits | 78.8167% | 6,702 |
| Total domestic deposits to total assets | 87.2452% | 1,814 |
| Equity capital to assets | 9.6896% | 4,436 |
| Core capital (leverage) ratio | 7.5879% | 7,089 |
| Tier 1 risk-based capital ratio | 12.0007% | 4,828 |
| Total risk-based capital ratio | 12.9982% | 4,933 |
| Memoranda: | ||
| Average total assets | $238,146,800 | 2,669 |
| Average earning assets | $221,211,000 | 2,646 |
| Average equity | $23,206,800 | 2,823 |
| Average total loans | $139,962,600 | 3,100 |