Home > First State Bank of St. Charles, Missouri > Performance and Condition Ratios
First State Bank of St. Charles, Missouri, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3574% | 1,379 |
| Cost of funding earning assets | 1.6969% | 1,460 |
| Net interest margin | 3.6605% | 1,836 |
| Noninterest income to average assets | 3.6400% | 163 |
| Noninterest expense to average assets | 5.6260% | 188 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0795% | 1,974 |
| Return on assets (ROA) | 1.0798% | 1,951 |
| Pretax return on assets | 1.3445% | 1,751 |
| Return on Equity (ROE) | 8.1200% | 2,988 |
| Retained earnings to average equity (ytd only) | 5.0567% | 2,591 |
| Net charge-offs to loans | -0.0072% | 3,925 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 80.7158% | 873 |
| Assets per employee ($millions) | 3.0781% | 4,372 |
| Cash dividends to net income (ytd only)* | 37.7525% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4672% | 1,150 |
| Loan loss allowance to noncurrent loans | 389.9077% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.3165% | 1,680 |
| Noncurrent loans to loans | 0.3763% | 1,860 |
| Net loans and leases to total assets | 82.8700% | 357 |
| Net loans and leases to deposits | 116.7235% | 109 |
| Net loans and leases to core deposits | 124.5755% | 519 |
| Total domestic deposits to total assets | 71.0000% | 4,259 |
| Equity capital to assets | 13.7005% | 732 |
| Core capital (leverage) ratio | 14.2977% | 741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2943% | 1,029 |
| Memoranda: | ||
| Average total assets | $545,554,800 | 1,630 |
| Average earning assets | $496,659,400 | 1,647 |
| Average equity | $72,517,600 | 1,213 |
| Average total loans | $460,194,000 | 1,326 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2663% | 1,330 |
| Cost of funding earning assets | 1.6462% | 1,290 |
| Net interest margin | 3.6201% | 1,948 |
| Noninterest income to average assets | 3.8100% | 163 |
| Noninterest expense to average assets | 5.7978% | 187 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0173% | 2,314 |
| Return on assets (ROA) | 1.0175% | 2,299 |
| Pretax return on assets | 1.3094% | 2,010 |
| Return on Equity (ROE) | 7.7100% | 3,261 |
| Retained earnings to average equity (ytd only) | 4.7429% | 3,024 |
| Net charge-offs to loans | -0.0084% | 3,887 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 81.5794% | 753 |
| Assets per employee ($millions) | 2.9896% | 4,399 |
| Cash dividends to net income (ytd only)* | 38.5189% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4691% | 1,197 |
| Loan loss allowance to noncurrent loans | 721.9017% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.1711% | 2,446 |
| Noncurrent loans to loans | 0.2035% | 2,541 |
| Net loans and leases to total assets | 82.8400% | 372 |
| Net loans and leases to deposits | 113.8746% | 135 |
| Net loans and leases to core deposits | 121.1242% | 526 |
| Total domestic deposits to total assets | 72.7400% | 4,227 |
| Equity capital to assets | 13.3301% | 757 |
| Core capital (leverage) ratio | 14.1045% | 805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3581% | 1,047 |
| Memoranda: | ||
| Average total assets | $544,970,250 | 1,630 |
| Average earning assets | $496,958,750 | 1,644 |
| Average equity | $71,881,000 | 1,219 |
| Average total loans | $460,041,250 | 1,319 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1339% | 1,313 |
| Cost of funding earning assets | 1.5804% | 1,109 |
| Net interest margin | 3.5535% | 2,144 |
| Noninterest income to average assets | 3.6900% | 155 |
| Noninterest expense to average assets | 5.8053% | 177 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8805% | 2,820 |
| Return on assets (ROA) | 0.8808% | 2,810 |
| Pretax return on assets | 1.1300% | 2,566 |
| Return on Equity (ROE) | 6.7000% | 3,538 |
| Retained earnings to average equity (ytd only) | 3.6208% | 3,311 |
| Net charge-offs to loans | -0.0026% | 3,573 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 83.7113% | 614 |
| Assets per employee ($millions) | 2.9921% | 4,434 |
| Cash dividends to net income (ytd only)* | 45.9741% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4428% | 1,377 |
| Loan loss allowance to noncurrent loans | 715.6217% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.1700% | 2,363 |
| Noncurrent loans to loans | 0.2016% | 2,461 |
| Net loans and leases to total assets | 83.1000% | 325 |
| Net loans and leases to deposits | 118.5007% | 103 |
| Net loans and leases to core deposits | 125.3717% | 400 |
| Total domestic deposits to total assets | 70.1300% | 4,360 |
| Equity capital to assets | 13.0325% | 801 |
| Core capital (leverage) ratio | 13.9612% | 776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4971% | 1,038 |
| Memoranda: | ||
| Average total assets | $544,263,000 | 1,622 |
| Average earning assets | $497,090,000 | 1,644 |
| Average equity | $71,532,000 | 1,220 |
| Average total loans | $460,070,333 | 1,303 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0372% | 1,159 |
| Cost of funding earning assets | 1.3812% | 1,062 |
| Net interest margin | 3.6560% | 2,002 |
| Noninterest income to average assets | 2.9500% | 173 |
| Noninterest expense to average assets | 5.5446% | 200 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5952% | 3,700 |
| Return on assets (ROA) | 0.5952% | 3,668 |
| Pretax return on assets | 0.7546% | 3,552 |
| Return on Equity (ROE) | 4.5100% | 3,956 |
| Retained earnings to average equity (ytd only) | 3.1055% | 3,480 |
| Net charge-offs to loans | -0.0026% | 3,474 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 88.0207% | 419 |
| Assets per employee ($millions) | 2.7792% | 4,527 |
| Cash dividends to net income (ytd only)* | 31.1333% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4587% | 1,403 |
| Loan loss allowance to noncurrent loans | 1,232.7839% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.1002% | 2,831 |
| Noncurrent loans to loans | 0.1183% | 2,926 |
| Net loans and leases to total assets | 83.4700% | 274 |
| Net loans and leases to deposits | 118.6259% | 93 |
| Net loans and leases to core deposits | 124.8377% | 349 |
| Total domestic deposits to total assets | 70.3700% | 4,406 |
| Equity capital to assets | 13.1397% | 729 |
| Core capital (leverage) ratio | 13.9150% | 752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5021% | 909 |
| Memoranda: | ||
| Average total assets | $539,628,500 | 1,655 |
| Average earning assets | $494,641,500 | 1,670 |
| Average equity | $71,228,500 | 1,231 |
| Average total loans | $456,743,500 | 1,326 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8798% | 2,036 |
| Cost of funding earning assets | 0.3499% | 2,473 |
| Net interest margin | 3.5299% | 1,840 |
| Noninterest income to average assets | 4.8900% | 131 |
| Noninterest expense to average assets | 6.9295% | 148 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9319% | 2,837 |
| Return on assets (ROA) | 0.9322% | 2,782 |
| Pretax return on assets | 1.2033% | 2,425 |
| Return on Equity (ROE) | 6.3900% | 3,754 |
| Retained earnings to average equity (ytd only) | 3.3683% | 3,603 |
| Net charge-offs to loans | -0.0016% | 3,405 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 85.2083% | 445 |
| Assets per employee ($millions) | 2.6727% | 4,565 |
| Cash dividends to net income (ytd only)* | 47.3284% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4883% | 1,236 |
| Loan loss allowance to noncurrent loans | 1,227.7372% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.1025% | 2,824 |
| Noncurrent loans to loans | 0.1212% | 2,915 |
| Net loans and leases to total assets | 83.3100% | 306 |
| Net loans and leases to deposits | 116.7219% | 89 |
| Net loans and leases to core deposits | 119.9300% | 371 |
| Total domestic deposits to total assets | 71.3800% | 4,441 |
| Equity capital to assets | 13.2606% | 664 |
| Core capital (leverage) ratio | 15.5755% | 505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5995% | 769 |
| Memoranda: | ||
| Average total assets | $479,830,600 | 1,771 |
| Average earning assets | $440,980,400 | 1,787 |
| Average equity | $69,946,800 | 1,251 |
| Average total loans | $318,974,000 | 1,639 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6420% | 2,215 |
| Cost of funding earning assets | 0.2598% | 2,604 |
| Net interest margin | 3.3822% | 2,032 |
| Noninterest income to average assets | 5.3900% | 130 |
| Noninterest expense to average assets | 7.7649% | 136 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5855% | 3,868 |
| Return on assets (ROA) | 0.5858% | 3,828 |
| Pretax return on assets | 0.7342% | 3,725 |
| Return on Equity (ROE) | 3.9200% | 4,162 |
| Retained earnings to average equity (ytd only) | 1.5071% | 4,136 |
| Net charge-offs to loans | -0.0009% | 3,170 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 91.3643% | 291 |
| Assets per employee ($millions) | 2.2534% | 4,634 |
| Cash dividends to net income (ytd only)* | 61.5234% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0105% | 493 |
| Loan loss allowance to noncurrent loans | 1,222.7273% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.1196% | 2,767 |
| Noncurrent loans to loans | 0.1644% | 2,776 |
| Net loans and leases to total assets | 71.3000% | 1,364 |
| Net loans and leases to deposits | 84.7758% | 1,251 |
| Net loans and leases to core deposits | 86.6356% | 1,488 |
| Total domestic deposits to total assets | 84.1100% | 3,478 |
| Equity capital to assets | 14.8927% | 460 |
| Core capital (leverage) ratio | 15.8095% | 472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0006% | 645 |
| Memoranda: | ||
| Average total assets | $466,153,250 | 1,821 |
| Average earning assets | $428,546,500 | 1,835 |
| Average equity | $69,712,750 | 1,268 |
| Average total loans | $285,703,250 | 1,784 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2053% | 3,026 |
| Cost of funding earning assets | 0.2549% | 2,195 |
| Net interest margin | 2.9504% | 3,033 |
| Noninterest income to average assets | 5.8227% | 83 |
| Noninterest expense to average assets | 8.1169% | 93 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3614% | 4,183 |
| Return on assets (ROA) | 0.3617% | 4,142 |
| Pretax return on assets | 0.4395% | 4,098 |
| Return on Equity (ROE) | 2.4155% | 4,307 |
| Retained earnings to average equity (ytd only) | -1.1778% | 4,311 |
| Net charge-offs to loans | 0.0022% | 2,020 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 342.6667% | 363 |
| Efficiency ratio | 94.8687% | 267 |
| Assets per employee ($millions) | 2.1955% | 4,683 |
| Cash dividends to net income (ytd only)* | 148.7603% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3077% | 326 |
| Loan loss allowance to noncurrent loans | 323.4360% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.4486% | 1,259 |
| Noncurrent loans to loans | 0.7135% | 1,210 |
| Net loans and leases to total assets | 61.4178% | 2,182 |
| Net loans and leases to deposits | 73.2813% | 1,934 |
| Net loans and leases to core deposits | 75.2303% | 2,072 |
| Total domestic deposits to total assets | 83.8110% | 3,721 |
| Equity capital to assets | 14.6412% | 445 |
| Core capital (leverage) ratio | 15.6004% | 413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6409% | 492 |
| Memoranda: | ||
| Average total assets | $468,308,333 | 1,823 |
| Average earning assets | $433,837,333 | 1,831 |
| Average equity | $70,130,333 | 1,290 |
| Average total loans | $269,438,667 | 1,853 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9865% | 3,296 |
| Cost of funding earning assets | 0.2643% | 1,987 |
| Net interest margin | 2.7222% | 3,361 |
| Noninterest income to average assets | 6.0030% | 84 |
| Noninterest expense to average assets | 8.3333% | 87 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1776% | 4,360 |
| Return on assets (ROA) | 0.1776% | 4,329 |
| Pretax return on assets | 0.1988% | 4,330 |
| Return on Equity (ROE) | 1.1728% | 4,393 |
| Retained earnings to average equity (ytd only) | -0.2301% | 4,045 |
| Net charge-offs to loans | -0.0217% | 3,955 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6700% | 282 |
| Assets per employee ($millions) | 2.1352% | 4,715 |
| Cash dividends to net income (ytd only)* | 119.6172% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6758% | 233 |
| Loan loss allowance to noncurrent loans | 295.6121% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.4786% | 1,270 |
| Noncurrent loans to loans | 0.9052% | 1,017 |
| Net loans and leases to total assets | 51.4628% | 3,030 |
| Net loans and leases to deposits | 61.0066% | 2,808 |
| Net loans and leases to core deposits | 62.6251% | 2,920 |
| Total domestic deposits to total assets | 84.3561% | 3,689 |
| Equity capital to assets | 14.7513% | 423 |
| Core capital (leverage) ratio | 15.3503% | 394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4827% | 521 |
| Memoranda: | ||
| Average total assets | $470,832,500 | 1,825 |
| Average earning assets | $437,436,500 | 1,834 |
| Average equity | $71,282,000 | 1,309 |
| Average total loans | $258,535,500 | 1,896 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5817% | 2,438 |
| Cost of funding earning assets | 0.3429% | 2,002 |
| Net interest margin | 3.2388% | 2,489 |
| Noninterest income to average assets | 11.3037% | 57 |
| Noninterest expense to average assets | 11.1326% | 64 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.4357% | 171 |
| Return on assets (ROA) | 2.4358% | 176 |
| Pretax return on assets | 3.1713% | 123 |
| Return on Equity (ROE) | 16.5630% | 664 |
| Retained earnings to average equity (ytd only) | 12.7638% | 427 |
| Net charge-offs to loans | -0.0115% | 3,787 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8302% | 963 |
| Assets per employee ($millions) | 2.0152% | 4,766 |
| Cash dividends to net income (ytd only)* | 22.9375% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5342% | 263 |
| Loan loss allowance to noncurrent loans | 338.8609% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.4262% | 1,539 |
| Noncurrent loans to loans | 0.7478% | 1,362 |
| Net loans and leases to total assets | 55.5451% | 2,670 |
| Net loans and leases to deposits | 66.6985% | 2,441 |
| Net loans and leases to core deposits | 68.7960% | 2,574 |
| Total domestic deposits to total assets | 83.2779% | 3,752 |
| Equity capital to assets | 15.5367% | 429 |
| Core capital (leverage) ratio | 15.1679% | 444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5751% | 588 |
| Memoranda: | ||
| Average total assets | $471,254,200 | 1,770 |
| Average earning assets | $436,521,800 | 1,784 |
| Average equity | $69,305,200 | 1,362 |
| Average total loans | $322,799,400 | 1,616 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7621% | 2,113 |
| Cost of funding earning assets | 0.3649% | 1,981 |
| Net interest margin | 3.3971% | 2,162 |
| Noninterest income to average assets | 12.3043% | 57 |
| Noninterest expense to average assets | 11.6175% | 60 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.9361% | 133 |
| Return on assets (ROA) | 2.9363% | 132 |
| Pretax return on assets | 3.8302% | 96 |
| Return on Equity (ROE) | 20.2475% | 412 |
| Retained earnings to average equity (ytd only) | 16.8146% | 253 |
| Net charge-offs to loans | -0.0142% | 3,826 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2068% | 1,099 |
| Assets per employee ($millions) | 2.0248% | 4,837 |
| Cash dividends to net income (ytd only)* | 16.9549% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3084% | 384 |
| Loan loss allowance to noncurrent loans | 459.4668% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.3128% | 2,210 |
| Noncurrent loans to loans | 0.5024% | 2,054 |
| Net loans and leases to total assets | 60.8223% | 2,157 |
| Net loans and leases to deposits | 73.0266% | 1,957 |
| Net loans and leases to core deposits | 75.2108% | 2,121 |
| Total domestic deposits to total assets | 83.2878% | 3,637 |
| Equity capital to assets | 15.4828% | 471 |
| Core capital (leverage) ratio | 15.4888% | 435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8681% | 705 |
| Memoranda: | ||
| Average total assets | $472,688,500 | 1,784 |
| Average earning assets | $437,338,000 | 1,796 |
| Average equity | $68,550,000 | 1,386 |
| Average total loans | $337,175,500 | 1,594 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7630% | 2,165 |
| Cost of funding earning assets | 0.3897% | 1,971 |
| Net interest margin | 3.3733% | 2,224 |
| Noninterest income to average assets | 13.1441% | 55 |
| Noninterest expense to average assets | 11.9753% | 58 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 3.2824% | 102 |
| Return on assets (ROA) | 3.2824% | 105 |
| Pretax return on assets | 4.2897% | 80 |
| Return on Equity (ROE) | 23.1486% | 255 |
| Retained earnings to average equity (ytd only) | 19.3872% | 173 |
| Net charge-offs to loans | -0.0011% | 3,104 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6261% | 1,276 |
| Assets per employee ($millions) | 1.9784% | 4,881 |
| Cash dividends to net income (ytd only)* | 16.2492% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2625% | 393 |
| Loan loss allowance to noncurrent loans | 256.1088% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.5640% | 1,479 |
| Noncurrent loans to loans | 0.8834% | 1,393 |
| Net loans and leases to total assets | 62.3996% | 2,133 |
| Net loans and leases to deposits | 75.2093% | 1,896 |
| Net loans and leases to core deposits | 78.0676% | 2,041 |
| Total domestic deposits to total assets | 82.9680% | 3,711 |
| Equity capital to assets | 15.1901% | 498 |
| Core capital (leverage) ratio | 15.0168% | 470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4274% | 653 |
| Memoranda: | ||
| Average total assets | $474,343,000 | 1,775 |
| Average earning assets | $438,853,333 | 1,791 |
| Average equity | $67,261,000 | 1,398 |
| Average total loans | $352,499,667 | 1,547 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6285% | 2,546 |
| Cost of funding earning assets | 0.3986% | 2,110 |
| Net interest margin | 3.2300% | 2,604 |
| Noninterest income to average assets | 14.6371% | 51 |
| Noninterest expense to average assets | 12.5639% | 55 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 3.8722% | 89 |
| Return on assets (ROA) | 3.8722% | 94 |
| Pretax return on assets | 5.0579% | 74 |
| Return on Equity (ROE) | 28.2791% | 176 |
| Retained earnings to average equity (ytd only) | 24.2019% | 153 |
| Net charge-offs to loans | -0.0010% | 3,054 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2975% | 1,569 |
| Assets per employee ($millions) | 2.0196% | 4,903 |
| Cash dividends to net income (ytd only)* | 14.4179% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9693% | 636 |
| Loan loss allowance to noncurrent loans | 314.6824% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.4516% | 2,036 |
| Noncurrent loans to loans | 0.6258% | 2,004 |
| Net loans and leases to total assets | 70.7374% | 1,188 |
| Net loans and leases to deposits | 84.7721% | 1,070 |
| Net loans and leases to core deposits | 88.2734% | 1,346 |
| Total domestic deposits to total assets | 83.4443% | 3,582 |
| Equity capital to assets | 14.3773% | 595 |
| Core capital (leverage) ratio | 14.9397% | 488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2067% | 660 |
| Memoranda: | ||
| Average total assets | $480,042,000 | 1,746 |
| Average earning assets | $443,595,500 | 1,765 |
| Average equity | $65,730,500 | 1,418 |
| Average total loans | $380,968,000 | 1,461 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0535% | 2,571 |
| Cost of funding earning assets | 0.7447% | 1,485 |
| Net interest margin | 3.3088% | 3,050 |
| Noninterest income to average assets | 14.9213% | 52 |
| Noninterest expense to average assets | 12.8329% | 57 |
| Loan and lease loss provision to assets | 0.8690% | 136 |
| Net operating income to assets | 3.2742% | 78 |
| Return on assets (ROA) | 3.2884% | 80 |
| Pretax return on assets | 4.2860% | 66 |
| Return on Equity (ROE) | 25.3292% | 104 |
| Retained earnings to average equity (ytd only) | 18.8327% | 76 |
| Net charge-offs to loans | 0.0061% | 3,124 |
| Credit loss provision to net charge-offs | 17,272.7273% | 57 |
| Earnings coverage of net charge-offs (x) | 1,021.0000% | 114 |
| Efficiency ratio | 71.4133% | 1,759 |
| Assets per employee ($millions) | 2.1564% | 4,916 |
| Cash dividends to net income (ytd only)* | 25.6485% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5829% | 1,344 |
| Loan loss allowance to noncurrent loans | 352.6371% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.3873% | 2,437 |
| Noncurrent loans to loans | 0.4489% | 2,624 |
| Net loans and leases to total assets | 84.9198% | 136 |
| Net loans and leases to deposits | 113.6143% | 121 |
| Net loans and leases to core deposits | 119.0277% | 320 |
| Total domestic deposits to total assets | 74.7439% | 4,590 |
| Equity capital to assets | 13.0345% | 1,072 |
| Core capital (leverage) ratio | 14.0904% | 672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7067% | 1,968 |
| Memoranda: | ||
| Average total assets | $437,259,600 | 1,741 |
| Average earning assets | $402,864,200 | 1,760 |
| Average equity | $56,768,400 | 1,505 |
| Average total loans | $359,152,400 | 1,481 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0671% | 2,765 |
| Cost of funding earning assets | 0.8398% | 1,313 |
| Net interest margin | 3.2273% | 3,399 |
| Noninterest income to average assets | 13.6836% | 56 |
| Noninterest expense to average assets | 12.1991% | 61 |
| Loan and lease loss provision to assets | 0.4873% | 617 |
| Net operating income to assets | 3.0467% | 89 |
| Return on assets (ROA) | 3.0661% | 92 |
| Pretax return on assets | 3.9930% | 68 |
| Return on Equity (ROE) | 23.6439% | 139 |
| Retained earnings to average equity (ytd only) | 17.6330% | 114 |
| Net charge-offs to loans | 0.0097% | 2,762 |
| Credit loss provision to net charge-offs | 6,200.0000% | 184 |
| Earnings coverage of net charge-offs (x) | 567.0400% | 210 |
| Efficiency ratio | 73.2468% | 1,484 |
| Assets per employee ($millions) | 2.0002% | 4,954 |
| Cash dividends to net income (ytd only)* | 25.4229% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1588% | 2,891 |
| Loan loss allowance to noncurrent loans | 155.1628% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.6320% | 1,841 |
| Noncurrent loans to loans | 0.7469% | 1,938 |
| Net loans and leases to total assets | 83.6432% | 309 |
| Net loans and leases to deposits | 102.6634% | 429 |
| Net loans and leases to core deposits | 109.1417% | 724 |
| Total domestic deposits to total assets | 81.4733% | 3,545 |
| Equity capital to assets | 13.3394% | 1,055 |
| Core capital (leverage) ratio | 13.1401% | 912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0928% | 1,230 |
| Memoranda: | ||
| Average total assets | $424,197,000 | 1,758 |
| Average earning assets | $390,536,500 | 1,777 |
| Average equity | $55,009,250 | 1,548 |
| Average total loans | $343,346,250 | 1,517 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1807% | 2,821 |
| Cost of funding earning assets | 0.9580% | 1,117 |
| Net interest margin | 3.2227% | 3,600 |
| Noninterest income to average assets | 11.0076% | 60 |
| Noninterest expense to average assets | 11.1936% | 65 |
| Loan and lease loss provision to assets | 0.2651% | 1,606 |
| Net operating income to assets | 1.9403% | 376 |
| Return on assets (ROA) | 1.9700% | 390 |
| Pretax return on assets | 2.5504% | 198 |
| Return on Equity (ROE) | 15.3515% | 655 |
| Retained earnings to average equity (ytd only) | 7.1630% | 1,589 |
| Net charge-offs to loans | 0.0157% | 2,426 |
| Credit loss provision to net charge-offs | 2,115.3846% | 461 |
| Earnings coverage of net charge-offs (x) | 221.6538% | 409 |
| Efficiency ratio | 80.1173% | 888 |
| Assets per employee ($millions) | 2.1128% | 4,985 |
| Cash dividends to net income (ytd only)* | 53.3399% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9071% | 3,974 |
| Loan loss allowance to noncurrent loans | 180.9172% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.4138% | 2,639 |
| Noncurrent loans to loans | 0.5014% | 2,646 |
| Net loans and leases to total assets | 81.7723% | 434 |
| Net loans and leases to deposits | 104.0299% | 375 |
| Net loans and leases to core deposits | 110.5128% | 722 |
| Total domestic deposits to total assets | 78.6046% | 4,095 |
| Equity capital to assets | 11.9432% | 1,701 |
| Core capital (leverage) ratio | 12.2350% | 1,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1361% | 1,459 |
| Memoranda: | ||
| Average total assets | $414,914,667 | 1,763 |
| Average earning assets | $381,608,667 | 1,779 |
| Average equity | $53,245,667 | 1,577 |
| Average total loans | $330,282,667 | 1,554 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3338% | 2,813 |
| Cost of funding earning assets | 0.8257% | 2,243 |
| Net interest margin | 3.5082% | 2,949 |
| Noninterest income to average assets | 7.8711% | 72 |
| Noninterest expense to average assets | 9.4858% | 82 |
| Loan and lease loss provision to assets | 0.2798% | 1,111 |
| Net operating income to assets | 0.9902% | 2,210 |
| Return on assets (ROA) | 0.9910% | 2,305 |
| Pretax return on assets | 1.3186% | 1,820 |
| Return on Equity (ROE) | 7.4224% | 2,769 |
| Retained earnings to average equity (ytd only) | -0.5792% | 4,088 |
| Net charge-offs to loans | 0.0418% | 1,618 |
| Credit loss provision to net charge-offs | 859.3750% | 633 |
| Earnings coverage of net charge-offs (x) | 49.0625% | 909 |
| Efficiency ratio | 85.5871% | 729 |
| Assets per employee ($millions) | 1.9070% | 5,031 |
| Cash dividends to net income (ytd only)* | 107.8029% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9803% | 3,808 |
| Loan loss allowance to noncurrent loans | 151.7823% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.5224% | 2,425 |
| Noncurrent loans to loans | 0.6459% | 2,376 |
| Net loans and leases to total assets | 79.0993% | 809 |
| Net loans and leases to deposits | 103.5964% | 385 |
| Net loans and leases to core deposits | 110.5532% | 828 |
| Total domestic deposits to total assets | 76.3534% | 4,438 |
| Equity capital to assets | 12.9414% | 1,453 |
| Core capital (leverage) ratio | 13.8272% | 953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8265% | 1,650 |
| Memoranda: | ||
| Average total assets | $393,133,500 | 1,794 |
| Average earning assets | $359,957,500 | 1,815 |
| Average equity | $52,490,000 | 1,587 |
| Average total loans | $306,254,500 | 1,617 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7956% | 2,051 |
| Cost of funding earning assets | 0.9144% | 2,138 |
| Net interest margin | 3.8812% | 2,236 |
| Noninterest income to average assets | 8.0891% | 72 |
| Noninterest expense to average assets | 9.3261% | 79 |
| Loan and lease loss provision to assets | 0.0959% | 2,123 |
| Net operating income to assets | 1.7026% | 655 |
| Return on assets (ROA) | 1.6902% | 721 |
| Pretax return on assets | 2.2014% | 386 |
| Return on Equity (ROE) | 12.9002% | 1,198 |
| Retained earnings to average equity (ytd only) | 10.0032% | 489 |
| Net charge-offs to loans | -0.0163% | 4,588 |
| Credit loss provision to net charge-offs | -760.4167% | 4,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1265% | 932 |
| Assets per employee ($millions) | 1.8636% | 5,092 |
| Cash dividends to net income (ytd only)* | 22.4572% | 3,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9990% | 3,522 |
| Loan loss allowance to noncurrent loans | 125.6156% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 0.6150% | 2,048 |
| Noncurrent loans to loans | 0.7953% | 1,916 |
| Net loans and leases to total assets | 75.0664% | 1,578 |
| Net loans and leases to deposits | 93.1435% | 1,240 |
| Net loans and leases to core deposits | 98.9445% | 1,655 |
| Total domestic deposits to total assets | 80.5922% | 3,857 |
| Equity capital to assets | 13.7817% | 1,173 |
| Core capital (leverage) ratio | 13.6117% | 1,020 |
| Tier 1 risk-based capital ratio | 16.1335% | 2,360 |
| Total risk-based capital ratio | 17.0382% | 2,416 |
| Memoranda: | ||
| Average total assets | $380,436,400 | 1,802 |
| Average earning assets | $347,985,800 | 1,822 |
| Average equity | $49,844,000 | 1,608 |
| Average total loans | $294,369,800 | 1,632 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8443% | 1,989 |
| Cost of funding earning assets | 0.9239% | 2,122 |
| Net interest margin | 3.9205% | 2,190 |
| Noninterest income to average assets | 7.5782% | 75 |
| Noninterest expense to average assets | 8.9080% | 84 |
| Loan and lease loss provision to assets | 0.0348% | 3,204 |
| Net operating income to assets | 1.7069% | 733 |
| Return on assets (ROA) | 1.6899% | 806 |
| Pretax return on assets | 2.2003% | 451 |
| Return on Equity (ROE) | 13.0700% | 1,260 |
| Retained earnings to average equity (ytd only) | 11.2498% | 482 |
| Net charge-offs to loans | -0.0208% | 4,593 |
| Credit loss provision to net charge-offs | -215.2174% | 4,184 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7886% | 938 |
| Assets per employee ($millions) | 1.9285% | 5,173 |
| Cash dividends to net income (ytd only)* | 13.9264% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8463% | 4,251 |
| Loan loss allowance to noncurrent loans | 162.6617% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.4263% | 2,802 |
| Noncurrent loans to loans | 0.5203% | 2,731 |
| Net loans and leases to total assets | 79.0058% | 991 |
| Net loans and leases to deposits | 97.2158% | 902 |
| Net loans and leases to core deposits | 103.2905% | 1,387 |
| Total domestic deposits to total assets | 81.2685% | 3,673 |
| Equity capital to assets | 13.2938% | 1,463 |
| Core capital (leverage) ratio | 13.2048% | 1,253 |
| Tier 1 risk-based capital ratio | 16.1513% | 2,373 |
| Total risk-based capital ratio | 16.9919% | 2,474 |
| Memoranda: | ||
| Average total assets | $379,572,500 | 1,820 |
| Average earning assets | $347,228,500 | 1,840 |
| Average equity | $49,078,250 | 1,634 |
| Average total loans | $295,191,750 | 1,637 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7926% | 2,085 |
| Cost of funding earning assets | 0.8895% | 2,202 |
| Net interest margin | 3.9032% | 2,235 |
| Noninterest income to average assets | 6.4057% | 79 |
| Noninterest expense to average assets | 8.2721% | 90 |
| Loan and lease loss provision to assets | 0.0351% | 3,122 |
| Net operating income to assets | 1.2958% | 1,787 |
| Return on assets (ROA) | 1.2726% | 1,938 |
| Pretax return on assets | 1.6443% | 1,417 |
| Return on Equity (ROE) | 9.9397% | 2,416 |
| Retained earnings to average equity (ytd only) | 8.0433% | 1,375 |
| Net charge-offs to loans | 0.0028% | 3,076 |
| Credit loss provision to net charge-offs | 1,650.0000% | 225 |
| Earnings coverage of net charge-offs (x) | 802.2500% | 95 |
| Efficiency ratio | 82.8799% | 740 |
| Assets per employee ($millions) | 1.9305% | 5,217 |
| Cash dividends to net income (ytd only)* | 19.0795% | 3,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8090% | 4,413 |
| Loan loss allowance to noncurrent loans | 313.3578% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.2147% | 3,716 |
| Noncurrent loans to loans | 0.2582% | 3,609 |
| Net loans and leases to total assets | 78.0758% | 1,208 |
| Net loans and leases to deposits | 109.1326% | 236 |
| Net loans and leases to core deposits | 115.3942% | 711 |
| Total domestic deposits to total assets | 71.5422% | 4,991 |
| Equity capital to assets | 12.3727% | 1,925 |
| Core capital (leverage) ratio | 13.0695% | 1,263 |
| Tier 1 risk-based capital ratio | 15.8481% | 2,479 |
| Total risk-based capital ratio | 16.6831% | 2,574 |
| Memoranda: | ||
| Average total assets | $375,602,000 | 1,845 |
| Average earning assets | $344,029,000 | 1,854 |
| Average equity | $48,090,000 | 1,654 |
| Average total loans | $289,610,670 | 1,664 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9032% | 1,577 |
| Cost of funding earning assets | 0.8258% | 2,392 |
| Net interest margin | 4.0773% | 1,615 |
| Noninterest income to average assets | 5.0795% | 93 |
| Noninterest expense to average assets | 7.4985% | 94 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0239% | 2,764 |
| Return on assets (ROA) | 0.9960% | 2,898 |
| Pretax return on assets | 1.2762% | 2,544 |
| Return on Equity (ROE) | 7.6373% | 3,408 |
| Retained earnings to average equity (ytd only) | 7.6373% | 1,794 |
| Net charge-offs to loans | -0.0029% | 3,916 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1133% | 637 |
| Assets per employee ($millions) | 1.8069% | 5,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8741% | 4,261 |
| Loan loss allowance to noncurrent loans | 598.8010% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.1120% | 4,249 |
| Noncurrent loans to loans | 0.1460% | 4,078 |
| Net loans and leases to total assets | 76.0702% | 1,466 |
| Net loans and leases to deposits | 101.9526% | 503 |
| Net loans and leases to core deposits | 106.1755% | 1,162 |
| Total domestic deposits to total assets | 74.6133% | 4,884 |
| Equity capital to assets | 12.8921% | 1,514 |
| Core capital (leverage) ratio | 13.4069% | 1,117 |
| Tier 1 risk-based capital ratio | 16.1007% | 2,393 |
| Total risk-based capital ratio | 16.9472% | 2,493 |
| Memoranda: | ||
| Average total assets | $362,634,000 | 1,907 |
| Average earning assets | $331,785,000 | 1,913 |
| Average equity | $47,294,500 | 1,660 |
| Average total loans | $276,385,500 | 1,737 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6937% | 1,842 |
| Cost of funding earning assets | 0.6877% | 2,161 |
| Net interest margin | 4.0060% | 1,970 |
| Noninterest income to average assets | 6.2800% | 81 |
| Noninterest expense to average assets | 8.3524% | 86 |
| Loan and lease loss provision to assets | 0.0589% | 2,987 |
| Net operating income to assets | 1.2444% | 1,994 |
| Return on assets (ROA) | 1.1978% | 2,177 |
| Pretax return on assets | 1.4872% | 1,822 |
| Return on Equity (ROE) | 9.8164% | 2,594 |
| Retained earnings to average equity (ytd only) | 6.8040% | 1,752 |
| Net charge-offs to loans | -0.0620% | 5,035 |
| Credit loss provision to net charge-offs | -126.3158% | 4,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8939% | 659 |
| Assets per employee ($millions) | 1.7055% | 5,334 |
| Cash dividends to net income (ytd only)* | 30.6870% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9340% | 4,026 |
| Loan loss allowance to noncurrent loans | 105.0526% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 0.6727% | 2,041 |
| Noncurrent loans to loans | 0.8891% | 1,812 |
| Net loans and leases to total assets | 74.9559% | 1,781 |
| Net loans and leases to deposits | 93.3185% | 1,355 |
| Net loans and leases to core deposits | 96.6254% | 2,002 |
| Total domestic deposits to total assets | 80.3227% | 4,033 |
| Equity capital to assets | 13.1999% | 1,254 |
| Core capital (leverage) ratio | 13.3956% | 1,110 |
| Tier 1 risk-based capital ratio | 15.5272% | 2,603 |
| Total risk-based capital ratio | 16.3584% | 2,716 |
| Memoranda: | ||
| Average total assets | $367,007,600 | 1,843 |
| Average earning assets | $336,768,600 | 1,861 |
| Average equity | $44,782,200 | 1,668 |
| Average total loans | $275,592,800 | 1,694 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6385% | 1,875 |
| Cost of funding earning assets | 0.6924% | 1,885 |
| Net interest margin | 3.9461% | 2,142 |
| Noninterest income to average assets | 6.6223% | 76 |
| Noninterest expense to average assets | 8.6717% | 81 |
| Loan and lease loss provision to assets | 0.0777% | 2,402 |
| Net operating income to assets | 1.1660% | 2,383 |
| Return on assets (ROA) | 1.1080% | 2,639 |
| Pretax return on assets | 1.4233% | 2,142 |
| Return on Equity (ROE) | 9.2611% | 2,975 |
| Retained earnings to average equity (ytd only) | 6.5180% | 2,374 |
| Net charge-offs to loans | -0.0807% | 5,097 |
| Credit loss provision to net charge-offs | -128.5714% | 4,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6340% | 609 |
| Assets per employee ($millions) | 1.6939% | 5,400 |
| Cash dividends to net income (ytd only)* | 29.6200% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8820% | 4,336 |
| Loan loss allowance to noncurrent loans | 623.2500% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.1093% | 4,422 |
| Noncurrent loans to loans | 0.1415% | 4,250 |
| Net loans and leases to total assets | 76.5712% | 1,572 |
| Net loans and leases to deposits | 96.6570% | 1,079 |
| Net loans and leases to core deposits | 100.1451% | 1,783 |
| Total domestic deposits to total assets | 79.2195% | 4,275 |
| Equity capital to assets | 12.3764% | 1,659 |
| Core capital (leverage) ratio | 12.5233% | 1,488 |
| Tier 1 risk-based capital ratio | 15.5175% | 2,645 |
| Total risk-based capital ratio | 16.3632% | 2,757 |
| Memoranda: | ||
| Average total assets | $370,499,250 | 1,837 |
| Average earning assets | $340,245,000 | 1,860 |
| Average equity | $44,327,500 | 1,685 |
| Average total loans | $277,711,000 | 1,692 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5614% | 1,893 |
| Cost of funding earning assets | 0.6716% | 1,802 |
| Net interest margin | 3.8897% | 2,239 |
| Noninterest income to average assets | 6.5462% | 76 |
| Noninterest expense to average assets | 8.6653% | 79 |
| Loan and lease loss provision to assets | 0.0774% | 2,355 |
| Net operating income to assets | 1.0741% | 2,695 |
| Return on assets (ROA) | 0.9870% | 3,078 |
| Pretax return on assets | 1.2612% | 2,670 |
| Return on Equity (ROE) | 8.3438% | 3,340 |
| Retained earnings to average equity (ytd only) | 4.9945% | 3,077 |
| Net charge-offs to loans | -0.1174% | 5,210 |
| Credit loss provision to net charge-offs | -88.8889% | 4,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6756% | 585 |
| Assets per employee ($millions) | 1.7275% | 5,464 |
| Cash dividends to net income (ytd only)* | 40.1416% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8230% | 4,630 |
| Loan loss allowance to noncurrent loans | 549.8861% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.1802% | 4,079 |
| Noncurrent loans to loans | 0.1497% | 4,233 |
| Net loans and leases to total assets | 75.8504% | 1,658 |
| Net loans and leases to deposits | 100.5162% | 772 |
| Net loans and leases to core deposits | 104.2859% | 1,374 |
| Total domestic deposits to total assets | 75.4608% | 4,906 |
| Equity capital to assets | 11.5828% | 2,137 |
| Core capital (leverage) ratio | 12.1378% | 1,626 |
| Tier 1 risk-based capital ratio | 15.2317% | 2,767 |
| Total risk-based capital ratio | 16.0549% | 2,894 |
| Memoranda: | ||
| Average total assets | $372,035,330 | 1,837 |
| Average earning assets | $341,258,000 | 1,859 |
| Average equity | $44,008,670 | 1,704 |
| Average total loans | $276,061,330 | 1,709 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3702% | 2,294 |
| Cost of funding earning assets | 0.6281% | 1,858 |
| Net interest margin | 3.7422% | 2,641 |
| Noninterest income to average assets | 5.5474% | 92 |
| Noninterest expense to average assets | 8.0688% | 90 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7262% | 3,997 |
| Return on assets (ROA) | 0.7262% | 4,007 |
| Pretax return on assets | 0.9140% | 3,801 |
| Return on Equity (ROE) | 6.0727% | 4,135 |
| Retained earnings to average equity (ytd only) | 3.3331% | 3,876 |
| Net charge-offs to loans | 0.0209% | 2,078 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 59.7857% | 845 |
| Efficiency ratio | 89.8249% | 450 |
| Assets per employee ($millions) | 1.5995% | 5,532 |
| Cash dividends to net income (ytd only)* | 45.1128% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8005% | 4,791 |
| Loan loss allowance to noncurrent loans | 408.1871% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.2171% | 4,010 |
| Noncurrent loans to loans | 0.1961% | 4,085 |
| Net loans and leases to total assets | 72.4267% | 2,100 |
| Net loans and leases to deposits | 92.4765% | 1,391 |
| Net loans and leases to core deposits | 96.7952% | 1,917 |
| Total domestic deposits to total assets | 78.3190% | 4,684 |
| Equity capital to assets | 12.1748% | 1,675 |
| Core capital (leverage) ratio | 12.4958% | 1,393 |
| Tier 1 risk-based capital ratio | 15.7626% | 2,568 |
| Total risk-based capital ratio | 16.5156% | 2,696 |
| Memoranda: | ||
| Average total assets | $366,298,500 | 1,871 |
| Average earning assets | $336,275,000 | 1,895 |
| Average equity | $43,802,500 | 1,715 |
| Average total loans | $267,438,500 | 1,757 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2307% | 2,578 |
| Cost of funding earning assets | 0.5375% | 2,052 |
| Net interest margin | 3.6932% | 2,820 |
| Noninterest income to average assets | 6.9850% | 79 |
| Noninterest expense to average assets | 8.6669% | 80 |
| Loan and lease loss provision to assets | 0.0955% | 2,295 |
| Net operating income to assets | 1.1466% | 1,688 |
| Return on assets (ROA) | 1.1550% | 1,697 |
| Pretax return on assets | 1.5956% | 1,303 |
| Return on Equity (ROE) | 9.8800% | 1,944 |
| Retained earnings to average equity (ytd only) | 7.6285% | 885 |
| Net charge-offs to loans | 0.1564% | 1,555 |
| Credit loss provision to net charge-offs | 84.7291% | 2,875 |
| Earnings coverage of net charge-offs (x) | 14.8990% | 2,288 |
| Efficiency ratio | 83.7680% | 788 |
| Assets per employee ($millions) | 1.6710% | 5,595 |
| Cash dividends to net income (ytd only)* | 22.7885% | 3,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7714% | 4,905 |
| Loan loss allowance to noncurrent loans | 228.3857% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.2466% | 3,908 |
| Noncurrent loans to loans | 0.3377% | 3,552 |
| Net loans and leases to total assets | 72.4478% | 2,159 |
| Net loans and leases to deposits | 96.7784% | 1,016 |
| Net loans and leases to core deposits | 100.3467% | 1,685 |
| Total domestic deposits to total assets | 74.8595% | 5,103 |
| Equity capital to assets | 11.7507% | 2,002 |
| Core capital (leverage) ratio | 12.2235% | 1,484 |
| Tier 1 risk-based capital ratio | 15.0350% | 2,838 |
| Total risk-based capital ratio | 15.7639% | 3,001 |
| Memoranda: | ||
| Average total assets | $360,184,400 | 1,867 |
| Average earning assets | $327,814,600 | 1,900 |
| Average equity | $42,105,400 | 1,768 |
| Average total loans | $259,603,600 | 1,763 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1969% | 2,629 |
| Cost of funding earning assets | 0.5234% | 2,083 |
| Net interest margin | 3.6736% | 2,846 |
| Noninterest income to average assets | 6.7765% | 86 |
| Noninterest expense to average assets | 8.8232% | 81 |
| Loan and lease loss provision to assets | 0.0538% | 3,020 |
| Net operating income to assets | 0.8897% | 3,077 |
| Return on assets (ROA) | 0.9241% | 2,968 |
| Pretax return on assets | 1.2823% | 2,576 |
| Return on Equity (ROE) | 7.9160% | 3,164 |
| Retained earnings to average equity (ytd only) | 6.3949% | 2,013 |
| Net charge-offs to loans | 0.0729% | 2,092 |
| Credit loss provision to net charge-offs | 102.8571% | 2,231 |
| Earnings coverage of net charge-offs (x) | 24.6145% | 1,761 |
| Efficiency ratio | 87.2597% | 555 |
| Assets per employee ($millions) | 1.6494% | 5,658 |
| Cash dividends to net income (ytd only)* | 19.2153% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8121% | 4,859 |
| Loan loss allowance to noncurrent loans | 206.8506% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.3128% | 3,812 |
| Noncurrent loans to loans | 0.3926% | 3,549 |
| Net loans and leases to total assets | 71.5436% | 2,327 |
| Net loans and leases to deposits | 93.4511% | 1,361 |
| Net loans and leases to core deposits | 96.8619% | 1,993 |
| Total domestic deposits to total assets | 76.5573% | 4,950 |
| Equity capital to assets | 11.6076% | 2,269 |
| Core capital (leverage) ratio | 12.2531% | 1,538 |
| Tier 1 risk-based capital ratio | 15.2757% | 2,805 |
| Total risk-based capital ratio | 16.0585% | 2,941 |
| Memoranda: | ||
| Average total assets | $356,655,250 | 1,893 |
| Average earning assets | $323,783,500 | 1,930 |
| Average equity | $41,636,000 | 1,810 |
| Average total loans | $256,184,250 | 1,791 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1174% | 2,771 |
| Cost of funding earning assets | 0.5144% | 2,062 |
| Net interest margin | 3.6030% | 3,024 |
| Noninterest income to average assets | 6.4134% | 91 |
| Noninterest expense to average assets | 8.6214% | 88 |
| Loan and lease loss provision to assets | 0.0818% | 2,355 |
| Net operating income to assets | 0.9217% | 2,800 |
| Return on assets (ROA) | 0.9902% | 2,524 |
| Pretax return on assets | 1.0396% | 3,405 |
| Return on Equity (ROE) | 8.4435% | 2,809 |
| Retained earnings to average equity (ytd only) | 6.1438% | 2,040 |
| Net charge-offs to loans | -0.0032% | 4,241 |
| Credit loss provision to net charge-offs | -3,600.0000% | 5,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1505% | 495 |
| Assets per employee ($millions) | 1.5953% | 5,710 |
| Cash dividends to net income (ytd only)* | 27.2362% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9097% | 4,599 |
| Loan loss allowance to noncurrent loans | 273.6718% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.2690% | 4,044 |
| Noncurrent loans to loans | 0.3324% | 3,851 |
| Net loans and leases to total assets | 70.9780% | 2,380 |
| Net loans and leases to deposits | 89.7025% | 1,774 |
| Net loans and leases to core deposits | 93.1294% | 2,235 |
| Total domestic deposits to total assets | 79.1260% | 4,596 |
| Equity capital to assets | 11.9147% | 1,984 |
| Core capital (leverage) ratio | 12.3120% | 1,469 |
| Tier 1 risk-based capital ratio | 15.1435% | 2,867 |
| Total risk-based capital ratio | 15.9841% | 2,979 |
| Memoranda: | ||
| Average total assets | $352,264,670 | 1,916 |
| Average earning assets | $318,457,000 | 1,960 |
| Average equity | $41,310,000 | 1,819 |
| Average total loans | $252,348,670 | 1,810 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9645% | 3,157 |
| Cost of funding earning assets | 0.4892% | 2,170 |
| Net interest margin | 3.4753% | 3,370 |
| Noninterest income to average assets | 4.8419% | 121 |
| Noninterest expense to average assets | 7.7541% | 104 |
| Loan and lease loss provision to assets | 0.1198% | 1,594 |
| Net operating income to assets | 0.0972% | 5,521 |
| Return on assets (ROA) | 0.2305% | 5,357 |
| Pretax return on assets | 0.2499% | 5,376 |
| Return on Equity (ROE) | 1.9818% | 5,339 |
| Retained earnings to average equity (ytd only) | 1.2950% | 4,565 |
| Net charge-offs to loans | -0.0032% | 4,072 |
| Credit loss provision to net charge-offs | -5,250.0000% | 4,709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1825% | 288 |
| Assets per employee ($millions) | 1.5652% | 5,779 |
| Cash dividends to net income (ytd only)* | 34.6535% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9433% | 4,586 |
| Loan loss allowance to noncurrent loans | 216.0342% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.4123% | 3,537 |
| Noncurrent loans to loans | 0.4366% | 3,528 |
| Net loans and leases to total assets | 70.7231% | 2,261 |
| Net loans and leases to deposits | 88.2553% | 1,762 |
| Net loans and leases to core deposits | 91.7360% | 2,191 |
| Total domestic deposits to total assets | 80.1348% | 4,591 |
| Equity capital to assets | 12.0774% | 1,779 |
| Core capital (leverage) ratio | 12.4403% | 1,364 |
| Tier 1 risk-based capital ratio | 13.6301% | 3,700 |
| Total risk-based capital ratio | 14.3847% | 3,909 |
| Memoranda: | ||
| Average total assets | $350,525,000 | 1,930 |
| Average earning assets | $316,407,000 | 1,987 |
| Average equity | $40,772,000 | 1,837 |
| Average total loans | $251,114,000 | 1,829 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1065% | 2,823 |
| Cost of funding earning assets | 0.4622% | 2,427 |
| Net interest margin | 3.6443% | 2,912 |
| Noninterest income to average assets | 7.8977% | 75 |
| Noninterest expense to average assets | 9.4876% | 80 |
| Loan and lease loss provision to assets | 0.1793% | 1,337 |
| Net operating income to assets | 1.0307% | 2,227 |
| Return on assets (ROA) | 1.0624% | 2,182 |
| Pretax return on assets | 1.5693% | 1,375 |
| Return on Equity (ROE) | 9.3171% | 2,267 |
| Retained earnings to average equity (ytd only) | 6.9352% | 1,255 |
| Net charge-offs to loans | 0.3002% | 918 |
| Credit loss provision to net charge-offs | 84.9797% | 2,896 |
| Earnings coverage of net charge-offs (x) | 8.0650% | 2,930 |
| Efficiency ratio | 84.7889% | 931 |
| Assets per employee ($millions) | 1.6573% | 5,828 |
| Cash dividends to net income (ytd only)* | 25.5645% | 3,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8319% | 5,012 |
| Loan loss allowance to noncurrent loans | 286.2797% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.3025% | 4,064 |
| Noncurrent loans to loans | 0.2906% | 4,108 |
| Net loans and leases to total assets | 71.2677% | 2,290 |
| Net loans and leases to deposits | 97.1425% | 901 |
| Net loans and leases to core deposits | 101.0611% | 1,528 |
| Total domestic deposits to total assets | 73.3641% | 5,485 |
| Equity capital to assets | 11.2165% | 2,402 |
| Core capital (leverage) ratio | 11.7612% | 1,749 |
| Tier 1 risk-based capital ratio | 12.7492% | 4,239 |
| Total risk-based capital ratio | 13.4242% | 4,474 |
| Memoranda: | ||
| Average total assets | $350,163,600 | 1,901 |
| Average earning assets | $316,303,800 | 1,937 |
| Average equity | $39,926,800 | 1,848 |
| Average total loans | $246,166,800 | 1,812 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0784% | 2,955 |
| Cost of funding earning assets | 0.4534% | 2,527 |
| Net interest margin | 3.6249% | 2,985 |
| Noninterest income to average assets | 8.0713% | 75 |
| Noninterest expense to average assets | 9.3413% | 80 |
| Loan and lease loss provision to assets | 0.1871% | 1,167 |
| Net operating income to assets | 1.2188% | 1,575 |
| Return on assets (ROA) | 1.2608% | 1,519 |
| Pretax return on assets | 1.8833% | 737 |
| Return on Equity (ROE) | 11.0105% | 1,665 |
| Retained earnings to average equity (ytd only) | 9.1782% | 764 |
| Net charge-offs to loans | 0.1671% | 1,370 |
| Credit loss provision to net charge-offs | 160.1974% | 1,700 |
| Earnings coverage of net charge-offs (x) | 17.1876% | 2,063 |
| Efficiency ratio | 82.3085% | 1,159 |
| Assets per employee ($millions) | 1.6688% | 5,895 |
| Cash dividends to net income (ytd only)* | 16.6412% | 3,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9240% | 4,787 |
| Loan loss allowance to noncurrent loans | 155.5556% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.5207% | 3,374 |
| Noncurrent loans to loans | 0.5940% | 3,227 |
| Net loans and leases to total assets | 72.2946% | 2,145 |
| Net loans and leases to deposits | 98.4701% | 815 |
| Net loans and leases to core deposits | 102.5604% | 1,440 |
| Total domestic deposits to total assets | 73.4178% | 5,486 |
| Equity capital to assets | 11.3515% | 2,651 |
| Core capital (leverage) ratio | 11.9511% | 1,712 |
| Tier 1 risk-based capital ratio | 13.7164% | 3,731 |
| Total risk-based capital ratio | 14.5411% | 3,896 |
| Memoranda: | ||
| Average total assets | $346,965,250 | 1,918 |
| Average earning assets | $313,745,000 | 1,954 |
| Average equity | $39,730,750 | 1,868 |
| Average total loans | $242,498,250 | 1,839 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0785% | 2,957 |
| Cost of funding earning assets | 0.4424% | 2,638 |
| Net interest margin | 3.6361% | 2,950 |
| Noninterest income to average assets | 7.4050% | 79 |
| Noninterest expense to average assets | 9.1116% | 83 |
| Loan and lease loss provision to assets | 0.2025% | 1,060 |
| Net operating income to assets | 0.9389% | 2,685 |
| Return on assets (ROA) | 1.0035% | 2,511 |
| Pretax return on assets | 1.4759% | 1,752 |
| Return on Equity (ROE) | 8.7366% | 2,615 |
| Retained earnings to average equity (ytd only) | 5.9470% | 2,143 |
| Net charge-offs to loans | 0.2534% | 939 |
| Credit loss provision to net charge-offs | 116.1616% | 1,910 |
| Earnings coverage of net charge-offs (x) | 9.0842% | 2,455 |
| Efficiency ratio | 85.1953% | 954 |
| Assets per employee ($millions) | 1.7046% | 5,968 |
| Cash dividends to net income (ytd only)* | 31.9298% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9047% | 4,946 |
| Loan loss allowance to noncurrent loans | 186.6186% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.4800% | 3,611 |
| Noncurrent loans to loans | 0.4848% | 3,639 |
| Net loans and leases to total assets | 71.9479% | 2,181 |
| Net loans and leases to deposits | 99.4480% | 741 |
| Net loans and leases to core deposits | 103.6032% | 1,354 |
| Total domestic deposits to total assets | 72.3473% | 5,649 |
| Equity capital to assets | 11.2674% | 2,778 |
| Core capital (leverage) ratio | 11.4753% | 2,011 |
| Tier 1 risk-based capital ratio | 14.1564% | 3,522 |
| Total risk-based capital ratio | 14.9924% | 3,671 |
| Memoranda: | ||
| Average total assets | $340,798,000 | 1,957 |
| Average earning assets | $308,349,330 | 1,999 |
| Average equity | $39,145,670 | 1,894 |
| Average total loans | $234,438,670 | 1,882 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0764% | 2,939 |
| Cost of funding earning assets | 0.4278% | 2,786 |
| Net interest margin | 3.6486% | 2,893 |
| Noninterest income to average assets | 5.6840% | 100 |
| Noninterest expense to average assets | 8.1577% | 105 |
| Loan and lease loss provision to assets | 0.3019% | 518 |
| Net operating income to assets | 0.3850% | 5,040 |
| Return on assets (ROA) | 0.5331% | 4,600 |
| Pretax return on assets | 0.7247% | 4,434 |
| Return on Equity (ROE) | 4.5943% | 4,662 |
| Retained earnings to average equity (ytd only) | 4.5943% | 3,179 |
| Net charge-offs to loans | 0.5382% | 403 |
| Credit loss provision to net charge-offs | 84.0000% | 1,809 |
| Earnings coverage of net charge-offs (x) | 2.3000% | 2,709 |
| Efficiency ratio | 90.8000% | 617 |
| Assets per employee ($millions) | 1.6668% | 6,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9829% | 4,704 |
| Loan loss allowance to noncurrent loans | 246.0352% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.4086% | 3,954 |
| Noncurrent loans to loans | 0.3995% | 4,000 |
| Net loans and leases to total assets | 67.5068% | 2,727 |
| Net loans and leases to deposits | 90.2464% | 1,553 |
| Net loans and leases to core deposits | 93.9527% | 1,994 |
| Total domestic deposits to total assets | 74.8028% | 5,541 |
| Equity capital to assets | 11.7086% | 2,234 |
| Core capital (leverage) ratio | 12.1013% | 1,544 |
| Tier 1 risk-based capital ratio | 15.1163% | 3,101 |
| Total risk-based capital ratio | 15.9885% | 3,209 |
| Memoranda: | ||
| Average total assets | $333,919,500 | 2,001 |
| Average earning assets | $302,032,000 | 2,047 |
| Average equity | $38,744,000 | 1,901 |
| Average total loans | $222,946,000 | 1,962 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9440% | 3,547 |
| Cost of funding earning assets | 0.4015% | 3,142 |
| Net interest margin | 3.5426% | 3,363 |
| Noninterest income to average assets | 7.4120% | 86 |
| Noninterest expense to average assets | 8.9602% | 90 |
| Loan and lease loss provision to assets | 0.1064% | 2,212 |
| Net operating income to assets | 1.0955% | 1,950 |
| Return on assets (ROA) | 1.1260% | 1,880 |
| Pretax return on assets | 1.5959% | 1,257 |
| Return on Equity (ROE) | 9.6030% | 2,173 |
| Retained earnings to average equity (ytd only) | 7.4881% | 1,103 |
| Net charge-offs to loans | 0.0138% | 4,018 |
| Credit loss provision to net charge-offs | 1,210.7143% | 279 |
| Earnings coverage of net charge-offs (x) | 188.7857% | 351 |
| Efficiency ratio | 84.3748% | 1,146 |
| Assets per employee ($millions) | 1.7330% | 6,086 |
| Cash dividends to net income (ytd only)* | 22.0240% | 3,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0434% | 4,360 |
| Loan loss allowance to noncurrent loans | 198.0035% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.4610% | 3,759 |
| Noncurrent loans to loans | 0.5270% | 3,583 |
| Net loans and leases to total assets | 64.6786% | 3,169 |
| Net loans and leases to deposits | 92.2585% | 1,374 |
| Net loans and leases to core deposits | 96.0887% | 1,839 |
| Total domestic deposits to total assets | 70.1059% | 5,892 |
| Equity capital to assets | 11.4974% | 2,364 |
| Core capital (leverage) ratio | 12.3975% | 1,401 |
| Tier 1 risk-based capital ratio | 15.0778% | 3,139 |
| Total risk-based capital ratio | 15.9764% | 3,249 |
| Memoranda: | ||
| Average total assets | $318,565,200 | 2,053 |
| Average earning assets | $288,436,200 | 2,079 |
| Average equity | $37,352,800 | 1,915 |
| Average total loans | $202,189,600 | 2,054 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9744% | 3,445 |
| Cost of funding earning assets | 0.4040% | 3,185 |
| Net interest margin | 3.5704% | 3,269 |
| Noninterest income to average assets | 8.3265% | 80 |
| Noninterest expense to average assets | 9.6607% | 83 |
| Loan and lease loss provision to assets | 0.1437% | 1,530 |
| Net operating income to assets | 1.1789% | 1,720 |
| Return on assets (ROA) | 1.1939% | 1,737 |
| Pretax return on assets | 1.7771% | 938 |
| Return on Equity (ROE) | 10.1300% | 2,054 |
| Retained earnings to average equity (ytd only) | 8.6197% | 1,031 |
| Net charge-offs to loans | 0.0168% | 3,615 |
| Credit loss provision to net charge-offs | 1,356.0000% | 274 |
| Earnings coverage of net charge-offs (x) | 179.1734% | 404 |
| Efficiency ratio | 83.5772% | 1,215 |
| Assets per employee ($millions) | 1.6095% | 6,187 |
| Cash dividends to net income (ytd only)* | 14.9096% | 3,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1344% | 4,032 |
| Loan loss allowance to noncurrent loans | 123.7811% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 0.6464% | 3,320 |
| Noncurrent loans to loans | 0.9165% | 2,688 |
| Net loans and leases to total assets | 63.1266% | 3,431 |
| Net loans and leases to deposits | 83.4340% | 2,465 |
| Net loans and leases to core deposits | 87.3974% | 2,715 |
| Total domestic deposits to total assets | 75.6605% | 5,542 |
| Equity capital to assets | 12.0984% | 2,031 |
| Core capital (leverage) ratio | 12.0954% | 1,623 |
| Tier 1 risk-based capital ratio | 15.5736% | 3,012 |
| Total risk-based capital ratio | 16.5131% | 3,096 |
| Memoranda: | ||
| Average total assets | $314,587,250 | 2,086 |
| Average earning assets | $284,819,000 | 2,115 |
| Average equity | $37,077,000 | 1,938 |
| Average total loans | $198,083,000 | 2,086 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9040% | 3,671 |
| Cost of funding earning assets | 0.4061% | 3,213 |
| Net interest margin | 3.4979% | 3,507 |
| Noninterest income to average assets | 8.5448% | 86 |
| Noninterest expense to average assets | 9.6476% | 84 |
| Loan and lease loss provision to assets | 0.1235% | 1,786 |
| Net operating income to assets | 1.3026% | 1,317 |
| Return on assets (ROA) | 1.3363% | 1,272 |
| Pretax return on assets | 1.9924% | 603 |
| Return on Equity (ROE) | 11.4398% | 1,542 |
| Retained earnings to average equity (ytd only) | 9.1518% | 876 |
| Net charge-offs to loans | 0.0284% | 3,098 |
| Credit loss provision to net charge-offs | 692.8571% | 487 |
| Earnings coverage of net charge-offs (x) | 115.9286% | 541 |
| Efficiency ratio | 82.3654% | 1,440 |
| Assets per employee ($millions) | 1.7197% | 6,250 |
| Cash dividends to net income (ytd only)* | 20.0000% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9844% | 4,944 |
| Loan loss allowance to noncurrent loans | 336.0063% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.2516% | 4,865 |
| Noncurrent loans to loans | 0.2930% | 4,633 |
| Net loans and leases to total assets | 64.7596% | 3,157 |
| Net loans and leases to deposits | 92.9997% | 1,254 |
| Net loans and leases to core deposits | 99.7864% | 1,507 |
| Total domestic deposits to total assets | 69.6342% | 6,048 |
| Equity capital to assets | 11.2255% | 2,644 |
| Core capital (leverage) ratio | 11.9508% | 1,688 |
| Tier 1 risk-based capital ratio | 14.5354% | 3,614 |
| Total risk-based capital ratio | 15.3715% | 3,783 |
| Memoranda: | ||
| Average total assets | $314,295,330 | 2,105 |
| Average earning assets | $284,682,670 | 2,131 |
| Average equity | $36,714,000 | 1,961 |
| Average total loans | $196,968,670 | 2,107 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8993% | 3,617 |
| Cost of funding earning assets | 0.4142% | 3,146 |
| Net interest margin | 3.4852% | 3,496 |
| Noninterest income to average assets | 7.9688% | 88 |
| Noninterest expense to average assets | 9.2127% | 90 |
| Loan and lease loss provision to assets | 0.1545% | 1,315 |
| Net operating income to assets | 1.2065% | 1,530 |
| Return on assets (ROA) | 1.2216% | 1,577 |
| Pretax return on assets | 1.7860% | 887 |
| Return on Equity (ROE) | 10.2409% | 1,895 |
| Retained earnings to average equity (ytd only) | 10.2409% | 865 |
| Net charge-offs to loans | -0.0064% | 4,566 |
| Credit loss provision to net charge-offs | -3,933.3333% | 5,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7667% | 1,528 |
| Assets per employee ($millions) | 1.6511% | 6,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0913% | 4,560 |
| Loan loss allowance to noncurrent loans | 282.3212% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.2940% | 4,795 |
| Noncurrent loans to loans | 0.3866% | 4,434 |
| Net loans and leases to total assets | 60.1237% | 3,635 |
| Net loans and leases to deposits | 79.6129% | 2,605 |
| Net loans and leases to core deposits | 86.6823% | 2,472 |
| Total domestic deposits to total assets | 75.5201% | 5,787 |
| Equity capital to assets | 11.7224% | 2,266 |
| Core capital (leverage) ratio | 12.4753% | 1,371 |
| Tier 1 risk-based capital ratio | 15.1476% | 3,354 |
| Total risk-based capital ratio | 16.0131% | 3,499 |
| Memoranda: | ||
| Average total assets | $305,490,000 | 2,163 |
| Average earning assets | $277,175,500 | 2,195 |
| Average equity | $36,442,000 | 1,985 |
| Average total loans | $186,914,000 | 2,214 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2627% | 2,728 |
| Cost of funding earning assets | 0.4706% | 2,976 |
| Net interest margin | 3.7920% | 2,653 |
| Noninterest income to average assets | 6.3639% | 97 |
| Noninterest expense to average assets | 8.3097% | 104 |
| Loan and lease loss provision to assets | 0.0804% | 2,874 |
| Net operating income to assets | 0.9791% | 2,488 |
| Return on assets (ROA) | 1.0177% | 2,381 |
| Pretax return on assets | 1.4348% | 1,768 |
| Return on Equity (ROE) | 8.3475% | 2,940 |
| Retained earnings to average equity (ytd only) | 5.9063% | 1,980 |
| Net charge-offs to loans | 0.0632% | 3,586 |
| Credit loss provision to net charge-offs | 205.4545% | 1,203 |
| Earnings coverage of net charge-offs (x) | 37.3455% | 1,147 |
| Efficiency ratio | 85.0493% | 1,273 |
| Assets per employee ($millions) | 1.6154% | 6,419 |
| Cash dividends to net income (ytd only)* | 29.2453% | 3,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0822% | 4,631 |
| Loan loss allowance to noncurrent loans | 350.0888% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.2750% | 4,934 |
| Noncurrent loans to loans | 0.3091% | 4,732 |
| Net loans and leases to total assets | 60.9427% | 3,646 |
| Net loans and leases to deposits | 78.6148% | 2,891 |
| Net loans and leases to core deposits | 87.3005% | 2,580 |
| Total domestic deposits to total assets | 77.5207% | 5,519 |
| Equity capital to assets | 12.1494% | 1,907 |
| Core capital (leverage) ratio | 12.0620% | 1,585 |
| Tier 1 risk-based capital ratio | 14.3257% | 3,882 |
| Total risk-based capital ratio | 15.1547% | 4,098 |
| Memoranda: | ||
| Average total assets | $281,225,200 | 2,269 |
| Average earning assets | $252,635,200 | 2,327 |
| Average equity | $34,285,600 | 2,032 |
| Average total loans | $174,033,800 | 2,290 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3130% | 2,571 |
| Cost of funding earning assets | 0.4797% | 2,959 |
| Net interest margin | 3.8333% | 2,501 |
| Noninterest income to average assets | 6.1645% | 102 |
| Noninterest expense to average assets | 8.3694% | 99 |
| Loan and lease loss provision to assets | 0.0288% | 3,832 |
| Net operating income to assets | 0.8507% | 3,174 |
| Return on assets (ROA) | 0.9499% | 2,770 |
| Pretax return on assets | 1.3409% | 2,233 |
| Return on Equity (ROE) | 7.7847% | 3,326 |
| Retained earnings to average equity (ytd only) | 5.8798% | 2,479 |
| Net charge-offs to loans | 0.0783% | 3,083 |
| Credit loss provision to net charge-offs | 59.4059% | 2,941 |
| Earnings coverage of net charge-offs (x) | 25.3570% | 1,510 |
| Efficiency ratio | 87.1873% | 1,080 |
| Assets per employee ($millions) | 1.5954% | 6,500 |
| Cash dividends to net income (ytd only)* | 24.4692% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9899% | 5,257 |
| Loan loss allowance to noncurrent loans | 561.6099% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.5834% | 4,096 |
| Noncurrent loans to loans | 0.1763% | 5,386 |
| Net loans and leases to total assets | 62.4850% | 3,412 |
| Net loans and leases to deposits | 76.7276% | 3,106 |
| Net loans and leases to core deposits | 85.3560% | 2,740 |
| Total domestic deposits to total assets | 81.4374% | 4,685 |
| Equity capital to assets | 12.0994% | 1,979 |
| Core capital (leverage) ratio | 11.9308% | 1,736 |
| Tier 1 risk-based capital ratio | 16.3961% | 2,855 |
| Total risk-based capital ratio | 17.2473% | 3,011 |
| Memoranda: | ||
| Average total assets | $277,624,750 | 2,308 |
| Average earning assets | $248,763,250 | 2,372 |
| Average equity | $33,877,750 | 2,059 |
| Average total loans | $172,008,750 | 2,321 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2622% | 2,725 |
| Cost of funding earning assets | 0.4783% | 3,042 |
| Net interest margin | 3.7839% | 2,621 |
| Noninterest income to average assets | 5.7188% | 107 |
| Noninterest expense to average assets | 8.3211% | 103 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5799% | 4,451 |
| Return on assets (ROA) | 0.7374% | 3,727 |
| Pretax return on assets | 0.9906% | 3,516 |
| Return on Equity (ROE) | 6.0252% | 4,134 |
| Retained earnings to average equity (ytd only) | 3.1322% | 4,217 |
| Net charge-offs to loans | 0.0737% | 2,964 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 17.1452% | 1,748 |
| Efficiency ratio | 91.4529% | 803 |
| Assets per employee ($millions) | 1.6183% | 6,562 |
| Cash dividends to net income (ytd only)* | 48.0159% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9583% | 5,527 |
| Loan loss allowance to noncurrent loans | 288.7279% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.6630% | 4,000 |
| Noncurrent loans to loans | 0.3319% | 5,021 |
| Net loans and leases to total assets | 63.2643% | 3,201 |
| Net loans and leases to deposits | 78.8349% | 2,685 |
| Net loans and leases to core deposits | 85.8119% | 2,533 |
| Total domestic deposits to total assets | 80.2492% | 5,186 |
| Equity capital to assets | 11.6550% | 2,279 |
| Core capital (leverage) ratio | 12.2051% | 1,551 |
| Tier 1 risk-based capital ratio | 14.6321% | 3,849 |
| Total risk-based capital ratio | 15.4048% | 4,089 |
| Memoranda: | ||
| Average total assets | $273,376,670 | 2,348 |
| Average earning assets | $244,191,000 | 2,401 |
| Average equity | $33,459,330 | 2,073 |
| Average total loans | $168,261,330 | 2,352 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3279% | 2,420 |
| Cost of funding earning assets | 0.4927% | 2,984 |
| Net interest margin | 3.8352% | 2,328 |
| Noninterest income to average assets | 4.4657% | 133 |
| Noninterest expense to average assets | 8.1454% | 109 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.2200% | 6,367 |
| Return on assets (ROA) | 0.2443% | 5,726 |
| Pretax return on assets | 0.1866% | 5,938 |
| Return on Equity (ROE) | 1.9445% | 5,799 |
| Retained earnings to average equity (ytd only) | 0.4227% | 5,408 |
| Net charge-offs to loans | 0.0428% | 2,787 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -10.7647% | 3,605 |
| Efficiency ratio | 103.5294% | 386 |
| Assets per employee ($millions) | 1.4192% | 6,646 |
| Cash dividends to net income (ytd only)* | 78.2609% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1740% | 4,757 |
| Loan loss allowance to noncurrent loans | 328.2143% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.7871% | 3,776 |
| Noncurrent loans to loans | 0.3577% | 5,048 |
| Net loans and leases to total assets | 57.9875% | 3,844 |
| Net loans and leases to deposits | 67.5248% | 3,911 |
| Net loans and leases to core deposits | 73.1431% | 3,749 |
| Total domestic deposits to total assets | 85.8758% | 3,428 |
| Equity capital to assets | 12.4474% | 1,610 |
| Core capital (leverage) ratio | 12.9595% | 1,183 |
| Tier 1 risk-based capital ratio | 17.0343% | 2,675 |
| Total risk-based capital ratio | 17.9697% | 2,766 |
| Memoranda: | ||
| Average total assets | $263,608,000 | 2,433 |
| Average earning assets | $233,833,500 | 2,505 |
| Average equity | $33,119,500 | 2,080 |
| Average total loans | $158,840,500 | 2,475 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3885% | 2,621 |
| Cost of funding earning assets | 0.5022% | 3,587 |
| Net interest margin | 3.8863% | 2,343 |
| Noninterest income to average assets | 6.6446% | 99 |
| Noninterest expense to average assets | 9.2454% | 91 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6413% | 4,067 |
| Return on assets (ROA) | 0.6842% | 3,968 |
| Pretax return on assets | 0.9231% | 3,670 |
| Return on Equity (ROE) | 5.5623% | 4,351 |
| Retained earnings to average equity (ytd only) | 3.6870% | 3,595 |
| Net charge-offs to loans | -0.0595% | 6,369 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4429% | 915 |
| Assets per employee ($millions) | 1.3633% | 6,732 |
| Cash dividends to net income (ytd only)* | 33.7158% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1513% | 4,906 |
| Loan loss allowance to noncurrent loans | 310.7203% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.7669% | 3,972 |
| Noncurrent loans to loans | 0.3705% | 5,075 |
| Net loans and leases to total assets | 61.1629% | 3,504 |
| Net loans and leases to deposits | 71.4525% | 3,601 |
| Net loans and leases to core deposits | 77.1276% | 3,471 |
| Total domestic deposits to total assets | 85.5994% | 3,460 |
| Equity capital to assets | 12.6833% | 1,430 |
| Core capital (leverage) ratio | 12.8831% | 1,186 |
| Tier 1 risk-based capital ratio | 15.8523% | 3,173 |
| Total risk-based capital ratio | 16.7317% | 3,340 |
| Memoranda: | ||
| Average total assets | $267,463,400 | 2,376 |
| Average earning assets | $238,530,200 | 2,436 |
| Average equity | $32,899,800 | 2,089 |
| Average total loans | $184,795,400 | 2,160 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3369% | 2,844 |
| Cost of funding earning assets | 0.5000% | 3,764 |
| Net interest margin | 3.8369% | 2,509 |
| Noninterest income to average assets | 7.0837% | 95 |
| Noninterest expense to average assets | 9.8694% | 83 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4869% | 4,852 |
| Return on assets (ROA) | 0.5452% | 4,744 |
| Pretax return on assets | 0.7151% | 4,637 |
| Return on Equity (ROE) | 4.4662% | 4,991 |
| Retained earnings to average equity (ytd only) | 3.2168% | 4,384 |
| Net charge-offs to loans | -0.0755% | 6,427 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9250% | 742 |
| Assets per employee ($millions) | 1.3240% | 6,815 |
| Cash dividends to net income (ytd only)* | 27.9749% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0614% | 5,478 |
| Loan loss allowance to noncurrent loans | 144.0559% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 1.1519% | 3,357 |
| Noncurrent loans to loans | 0.7368% | 4,374 |
| Net loans and leases to total assets | 65.5912% | 2,708 |
| Net loans and leases to deposits | 76.6956% | 2,859 |
| Net loans and leases to core deposits | 82.7626% | 2,796 |
| Total domestic deposits to total assets | 85.5214% | 3,484 |
| Equity capital to assets | 12.3980% | 1,638 |
| Core capital (leverage) ratio | 12.4605% | 1,442 |
| Tier 1 risk-based capital ratio | 15.7045% | 3,352 |
| Total risk-based capital ratio | 16.5862% | 3,500 |
| Memoranda: | ||
| Average total assets | $269,229,750 | 2,372 |
| Average earning assets | $240,256,000 | 2,433 |
| Average equity | $32,868,000 | 2,109 |
| Average total loans | $190,713,750 | 2,089 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2380% | 3,194 |
| Cost of funding earning assets | 0.4859% | 4,026 |
| Net interest margin | 3.7521% | 2,755 |
| Noninterest income to average assets | 7.0700% | 100 |
| Noninterest expense to average assets | 9.7940% | 84 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4741% | 4,908 |
| Return on assets (ROA) | 0.5643% | 4,650 |
| Pretax return on assets | 0.7568% | 4,481 |
| Return on Equity (ROE) | 4.6455% | 4,926 |
| Retained earnings to average equity (ytd only) | 2.7751% | 4,545 |
| Net charge-offs to loans | -0.0449% | 6,225 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8972% | 768 |
| Assets per employee ($millions) | 1.5763% | 6,834 |
| Cash dividends to net income (ytd only)* | 40.2614% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8422% | 6,273 |
| Loan loss allowance to noncurrent loans | 99.8884% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 1.1814% | 3,389 |
| Noncurrent loans to loans | 0.8432% | 4,233 |
| Net loans and leases to total assets | 72.2657% | 1,526 |
| Net loans and leases to deposits | 93.8390% | 820 |
| Net loans and leases to core deposits | 101.7134% | 962 |
| Total domestic deposits to total assets | 77.0104% | 6,125 |
| Equity capital to assets | 11.1812% | 2,571 |
| Core capital (leverage) ratio | 12.5956% | 1,322 |
| Tier 1 risk-based capital ratio | 16.5139% | 2,934 |
| Total risk-based capital ratio | 17.3160% | 3,098 |
| Memoranda: | ||
| Average total assets | $271,146,670 | 2,360 |
| Average earning assets | $242,847,670 | 2,419 |
| Average equity | $32,935,330 | 2,114 |
| Average total loans | $196,060,670 | 2,041 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2438% | 3,136 |
| Cost of funding earning assets | 0.4957% | 4,133 |
| Net interest margin | 3.7481% | 2,670 |
| Noninterest income to average assets | 6.1890% | 113 |
| Noninterest expense to average assets | 9.5603% | 89 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.0099% | 6,358 |
| Return on assets (ROA) | 0.2300% | 5,917 |
| Pretax return on assets | 0.2407% | 5,989 |
| Return on Equity (ROE) | 1.8127% | 6,000 |
| Retained earnings to average equity (ytd only) | 1.8127% | 5,087 |
| Net charge-offs to loans | -0.0383% | 6,003 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0963% | 539 |
| Assets per employee ($millions) | 1.2817% | 6,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 5,989 |
| Loan loss allowance to noncurrent loans | 105.1878% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 1.4306% | 3,118 |
| Noncurrent loans to loans | 0.9496% | 4,240 |
| Net loans and leases to total assets | 68.5441% | 1,914 |
| Net loans and leases to deposits | 80.6436% | 1,999 |
| Net loans and leases to core deposits | 87.5184% | 1,955 |
| Total domestic deposits to total assets | 84.9964% | 4,041 |
| Equity capital to assets | 12.9614% | 1,448 |
| Core capital (leverage) ratio | 13.1373% | 1,060 |
| Tier 1 risk-based capital ratio | 12.9517% | 5,260 |
| Total risk-based capital ratio | 13.6574% | 5,582 |
| Memoranda: | ||
| Average total assets | $260,913,000 | 2,480 |
| Average earning assets | $234,036,000 | 2,528 |
| Average equity | $33,100,000 | 2,124 |
| Average total loans | $187,827,500 | 2,136 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4886% | 3,448 |
| Cost of funding earning assets | 0.5557% | 4,764 |
| Net interest margin | 3.9329% | 2,681 |
| Noninterest income to average assets | 5.8002% | 124 |
| Noninterest expense to average assets | 7.9444% | 113 |
| Loan and lease loss provision to assets | 0.2001% | 3,135 |
| Net operating income to assets | 0.8274% | 3,146 |
| Return on assets (ROA) | 0.9905% | 2,602 |
| Pretax return on assets | 1.4006% | 2,037 |
| Return on Equity (ROE) | 7.4164% | 3,401 |
| Retained earnings to average equity (ytd only) | 4.1151% | 3,326 |
| Net charge-offs to loans | -0.0762% | 6,782 |
| Credit loss provision to net charge-offs | -387.3016% | 6,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2816% | 1,492 |
| Assets per employee ($millions) | 1.4420% | 6,993 |
| Cash dividends to net income (ytd only)* | 44.5135% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8766% | 6,326 |
| Loan loss allowance to noncurrent loans | 89.0306% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 1.3859% | 3,320 |
| Noncurrent loans to loans | 0.9846% | 4,226 |
| Net loans and leases to total assets | 73.9666% | 1,199 |
| Net loans and leases to deposits | 94.9607% | 684 |
| Net loans and leases to core deposits | 103.7430% | 803 |
| Total domestic deposits to total assets | 77.8918% | 6,101 |
| Equity capital to assets | 12.4231% | 1,766 |
| Core capital (leverage) ratio | 12.6173% | 1,273 |
| Tier 1 risk-based capital ratio | 12.9387% | 5,152 |
| Total risk-based capital ratio | 13.6398% | 5,502 |
| Memoranda: | ||
| Average total assets | $243,821,000 | 2,591 |
| Average earning assets | $217,932,200 | 2,631 |
| Average equity | $32,562,800 | 2,120 |
| Average total loans | $165,369,600 | 2,358 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4808% | 3,714 |
| Cost of funding earning assets | 0.5662% | 4,950 |
| Net interest margin | 3.9146% | 2,861 |
| Noninterest income to average assets | 4.9981% | 142 |
| Noninterest expense to average assets | 7.2403% | 133 |
| Loan and lease loss provision to assets | 0.2733% | 2,389 |
| Net operating income to assets | 0.7137% | 3,858 |
| Return on assets (ROA) | 0.8400% | 3,508 |
| Pretax return on assets | 1.1536% | 3,150 |
| Return on Equity (ROE) | 6.1692% | 4,252 |
| Retained earnings to average equity (ytd only) | 3.8907% | 4,150 |
| Net charge-offs to loans | -0.0399% | 6,651 |
| Credit loss provision to net charge-offs | -1,038.2979% | 6,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2387% | 1,453 |
| Assets per employee ($millions) | 1.5201% | 7,083 |
| Cash dividends to net income (ytd only)* | 36.9334% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8791% | 6,432 |
| Loan loss allowance to noncurrent loans | 54.2671% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 1.9755% | 2,682 |
| Noncurrent loans to loans | 1.6199% | 3,363 |
| Net loans and leases to total assets | 71.4360% | 1,659 |
| Net loans and leases to deposits | 92.4588% | 923 |
| Net loans and leases to core deposits | 101.5257% | 1,019 |
| Total domestic deposits to total assets | 77.2625% | 6,198 |
| Equity capital to assets | 12.5668% | 1,851 |
| Core capital (leverage) ratio | 13.1656% | 1,125 |
| Tier 1 risk-based capital ratio | 15.6738% | 3,442 |
| Total risk-based capital ratio | 16.4944% | 3,628 |
| Memoranda: | ||
| Average total assets | $238,086,000 | 2,676 |
| Average earning assets | $212,636,500 | 2,727 |
| Average equity | $32,418,500 | 2,141 |
| Average total loans | $156,947,250 | 2,501 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5984% | 3,370 |
| Cost of funding earning assets | 0.5840% | 5,035 |
| Net interest margin | 4.0145% | 2,440 |
| Noninterest income to average assets | 4.2830% | 166 |
| Noninterest expense to average assets | 6.5198% | 174 |
| Loan and lease loss provision to assets | 0.3186% | 2,077 |
| Net operating income to assets | 0.7358% | 3,675 |
| Return on assets (ROA) | 0.7746% | 3,761 |
| Pretax return on assets | 1.0766% | 3,387 |
| Return on Equity (ROE) | 5.5264% | 4,572 |
| Retained earnings to average equity (ytd only) | 3.4276% | 4,321 |
| Net charge-offs to loans | -0.0534% | 6,680 |
| Credit loss provision to net charge-offs | -938.4615% | 6,395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9384% | 1,757 |
| Assets per employee ($millions) | 1.8370% | 7,095 |
| Cash dividends to net income (ytd only)* | 37.9775% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9771% | 6,238 |
| Loan loss allowance to noncurrent loans | 51.9797% | 5,000 |
| Noncurrent assets plus other real estate owned to assets | 2.3575% | 2,370 |
| Noncurrent loans to loans | 1.8798% | 3,103 |
| Net loans and leases to total assets | 63.7112% | 3,099 |
| Net loans and leases to deposits | 77.5672% | 2,739 |
| Net loans and leases to core deposits | 85.0951% | 2,547 |
| Total domestic deposits to total assets | 82.1368% | 5,079 |
| Equity capital to assets | 13.3070% | 1,392 |
| Core capital (leverage) ratio | 13.6639% | 910 |
| Tier 1 risk-based capital ratio | 17.5752% | 2,449 |
| Total risk-based capital ratio | 18.4351% | 2,554 |
| Memoranda: | ||
| Average total assets | $229,791,000 | 2,753 |
| Average earning assets | $204,810,000 | 2,822 |
| Average equity | $32,209,000 | 2,140 |
| Average total loans | $146,089,000 | 2,669 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7276% | 2,938 |
| Cost of funding earning assets | 0.6034% | 5,095 |
| Net interest margin | 4.1243% | 2,008 |
| Noninterest income to average assets | 4.0499% | 167 |
| Noninterest expense to average assets | 6.0991% | 192 |
| Loan and lease loss provision to assets | 0.3290% | 1,905 |
| Net operating income to assets | 0.8914% | 2,962 |
| Return on assets (ROA) | 0.9509% | 2,896 |
| Pretax return on assets | 1.3697% | 2,288 |
| Return on Equity (ROE) | 6.6006% | 3,992 |
| Retained earnings to average equity (ytd only) | 6.6006% | 2,632 |
| Net charge-offs to loans | 0.0939% | 3,581 |
| Credit loss provision to net charge-offs | 554.5455% | 607 |
| Earnings coverage of net charge-offs (x) | 27.1818% | 991 |
| Efficiency ratio | 79.0909% | 2,333 |
| Assets per employee ($millions) | 2.0342% | 7,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8873% | 6,573 |
| Loan loss allowance to noncurrent loans | 41.8081% | 5,511 |
| Noncurrent assets plus other real estate owned to assets | 2.8701% | 2,031 |
| Noncurrent loans to loans | 2.1222% | 3,001 |
| Net loans and leases to total assets | 62.8074% | 3,092 |
| Net loans and leases to deposits | 74.8598% | 2,992 |
| Net loans and leases to core deposits | 81.4967% | 2,898 |
| Total domestic deposits to total assets | 83.9000% | 4,543 |
| Equity capital to assets | 14.1771% | 958 |
| Core capital (leverage) ratio | 14.2452% | 740 |
| Tier 1 risk-based capital ratio | 18.8054% | 2,047 |
| Total risk-based capital ratio | 19.5739% | 2,164 |
| Memoranda: | ||
| Average total assets | $222,525,000 | 2,857 |
| Average earning assets | $197,561,500 | 2,924 |
| Average equity | $32,057,500 | 2,149 |
| Average total loans | $140,535,000 | 2,778 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7888% | 3,867 |
| Cost of funding earning assets | 0.6833% | 5,640 |
| Net interest margin | 4.1054% | 2,405 |
| Noninterest income to average assets | 2.3895% | 288 |
| Noninterest expense to average assets | 5.1572% | 347 |
| Loan and lease loss provision to assets | 0.6278% | 1,628 |
| Net operating income to assets | 0.1478% | 5,740 |
| Return on assets (ROA) | 0.2367% | 5,612 |
| Pretax return on assets | 0.3111% | 5,528 |
| Return on Equity (ROE) | 1.5833% | 5,816 |
| Retained earnings to average equity (ytd only) | -0.9310% | 5,992 |
| Net charge-offs to loans | 1.2387% | 1,344 |
| Credit loss provision to net charge-offs | 78.7411% | 4,514 |
| Earnings coverage of net charge-offs (x) | 1.0309% | 5,021 |
| Efficiency ratio | 86.2539% | 1,527 |
| Assets per employee ($millions) | 2.0687% | 7,137 |
| Cash dividends to net income (ytd only)* | 158.8000% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8274% | 6,684 |
| Loan loss allowance to noncurrent loans | 161.8026% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 2.5615% | 2,369 |
| Noncurrent loans to loans | 0.5114% | 5,687 |
| Net loans and leases to total assets | 62.4086% | 3,519 |
| Net loans and leases to deposits | 73.4849% | 3,584 |
| Net loans and leases to core deposits | 80.4599% | 3,395 |
| Total domestic deposits to total assets | 84.9271% | 3,893 |
| Equity capital to assets | 14.6466% | 859 |
| Core capital (leverage) ratio | 14.3317% | 749 |
| Tier 1 risk-based capital ratio | 18.3206% | 2,100 |
| Total risk-based capital ratio | 18.9937% | 2,258 |
| Memoranda: | ||
| Average total assets | $211,218,800 | 2,928 |
| Average earning assets | $184,682,800 | 3,031 |
| Average equity | $31,579,200 | 2,101 |
| Average total loans | $135,944,600 | 2,878 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8776% | 3,647 |
| Cost of funding earning assets | 0.6985% | 5,774 |
| Net interest margin | 4.1792% | 2,179 |
| Noninterest income to average assets | 2.1768% | 338 |
| Noninterest expense to average assets | 4.9316% | 400 |
| Loan and lease loss provision to assets | 0.7654% | 1,231 |
| Net operating income to assets | 0.1704% | 5,774 |
| Return on assets (ROA) | 0.2740% | 5,650 |
| Pretax return on assets | 0.2276% | 5,849 |
| Return on Equity (ROE) | 1.8231% | 5,833 |
| Retained earnings to average equity (ytd only) | -0.2961% | 6,031 |
| Net charge-offs to loans | 0.0422% | 5,559 |
| Credit loss provision to net charge-offs | 2,800.0000% | 102 |
| Earnings coverage of net charge-offs (x) | 32.5360% | 880 |
| Efficiency ratio | 84.7204% | 1,662 |
| Assets per employee ($millions) | 2.1541% | 7,169 |
| Cash dividends to net income (ytd only)* | 116.2412% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8714% | 2,714 |
| Loan loss allowance to noncurrent loans | 194.1392% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 3.4021% | 1,860 |
| Noncurrent loans to loans | 0.9640% | 4,956 |
| Net loans and leases to total assets | 63.8662% | 3,338 |
| Net loans and leases to deposits | 77.4854% | 3,087 |
| Net loans and leases to core deposits | 85.1084% | 2,898 |
| Total domestic deposits to total assets | 82.4235% | 4,912 |
| Equity capital to assets | 14.7277% | 925 |
| Core capital (leverage) ratio | 14.8784% | 691 |
| Tier 1 risk-based capital ratio | 19.4669% | 1,824 |
| Total risk-based capital ratio | 20.7278% | 1,795 |
| Memoranda: | ||
| Average total assets | $209,719,250 | 2,963 |
| Average earning assets | $182,870,500 | 3,067 |
| Average equity | $31,520,250 | 2,105 |
| Average total loans | $135,757,500 | 2,910 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9140% | 3,554 |
| Cost of funding earning assets | 0.7183% | 5,846 |
| Net interest margin | 4.1957% | 2,052 |
| Noninterest income to average assets | 1.5596% | 527 |
| Noninterest expense to average assets | 4.4335% | 645 |
| Loan and lease loss provision to assets | 1.0488% | 803 |
| Net operating income to assets | -0.2675% | 6,530 |
| Return on assets (ROA) | -0.1391% | 6,446 |
| Pretax return on assets | -0.1391% | 6,401 |
| Return on Equity (ROE) | -0.9188% | 6,393 |
| Retained earnings to average equity (ytd only) | -4.1154% | 6,481 |
| Net charge-offs to loans | 0.0837% | 4,806 |
| Credit loss provision to net charge-offs | 1,939.2857% | 173 |
| Earnings coverage of net charge-offs (x) | 14.4464% | 1,482 |
| Efficiency ratio | 85.0185% | 1,704 |
| Assets per employee ($millions) | 2.0854% | 7,240 |
| Cash dividends to net income (ytd only)* | -347.9167% | 7,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8847% | 2,710 |
| Loan loss allowance to noncurrent loans | 252.4048% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 3.6866% | 1,766 |
| Noncurrent loans to loans | 0.7467% | 5,416 |
| Net loans and leases to total assets | 62.8821% | 3,702 |
| Net loans and leases to deposits | 74.3746% | 3,740 |
| Net loans and leases to core deposits | 81.7820% | 3,541 |
| Total domestic deposits to total assets | 84.5479% | 4,098 |
| Equity capital to assets | 14.9712% | 832 |
| Core capital (leverage) ratio | 14.9149% | 684 |
| Tier 1 risk-based capital ratio | 20.9630% | 1,427 |
| Total risk-based capital ratio | 22.2255% | 1,402 |
| Memoranda: | ||
| Average total assets | $207,102,670 | 3,006 |
| Average earning assets | $180,423,670 | 3,129 |
| Average equity | $31,346,000 | 2,107 |
| Average total loans | $133,809,000 | 2,968 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8284% | 3,918 |
| Cost of funding earning assets | 0.7461% | 5,891 |
| Net interest margin | 4.0823% | 2,337 |
| Noninterest income to average assets | 1.4013% | 661 |
| Noninterest expense to average assets | 4.5624% | 562 |
| Loan and lease loss provision to assets | 0.4845% | 1,821 |
| Net operating income to assets | -0.0930% | 6,450 |
| Return on assets (ROA) | 0.1357% | 6,045 |
| Pretax return on assets | 0.1357% | 6,086 |
| Return on Equity (ROE) | 0.8915% | 6,163 |
| Retained earnings to average equity (ytd only) | -2.0122% | 6,145 |
| Net charge-offs to loans | -0.0149% | 6,480 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0970% | 1,159 |
| Assets per employee ($millions) | 2.4050% | 7,098 |
| Cash dividends to net income (ytd only)* | 325.7143% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3403% | 4,943 |
| Loan loss allowance to noncurrent loans | 261.0778% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 3.8186% | 1,760 |
| Noncurrent loans to loans | 0.5134% | 5,998 |
| Net loans and leases to total assets | 62.0663% | 3,844 |
| Net loans and leases to deposits | 73.4273% | 3,856 |
| Net loans and leases to core deposits | 79.9827% | 3,763 |
| Total domestic deposits to total assets | 84.5275% | 4,257 |
| Equity capital to assets | 15.1703% | 725 |
| Core capital (leverage) ratio | 15.3925% | 590 |
| Tier 1 risk-based capital ratio | 19.0419% | 1,790 |
| Total risk-based capital ratio | 20.1093% | 1,807 |
| Memoranda: | ||
| Average total assets | $206,383,500 | 3,029 |
| Average earning assets | $179,605,000 | 3,150 |
| Average equity | $31,408,500 | 2,088 |
| Average total loans | $133,886,500 | 3,010 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1244% | 3,979 |
| Cost of funding earning assets | 0.8998% | 6,177 |
| Net interest margin | 4.2246% | 2,080 |
| Noninterest income to average assets | 1.9615% | 411 |
| Noninterest expense to average assets | 4.0825% | 1,048 |
| Loan and lease loss provision to assets | 0.4804% | 3,252 |
| Net operating income to assets | 0.8103% | 2,751 |
| Return on assets (ROA) | 0.8765% | 2,618 |
| Pretax return on assets | 1.2194% | 2,161 |
| Return on Equity (ROE) | 5.5160% | 3,827 |
| Retained earnings to average equity (ytd only) | 3.5315% | 3,385 |
| Net charge-offs to loans | 1.0506% | 2,101 |
| Credit loss provision to net charge-offs | 65.9649% | 5,957 |
| Earnings coverage of net charge-offs (x) | 2.2077% | 4,075 |
| Efficiency ratio | 71.7442% | 3,846 |
| Assets per employee ($millions) | 2.4228% | 7,105 |
| Cash dividends to net income (ytd only)* | 35.9767% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0817% | 6,017 |
| Loan loss allowance to noncurrent loans | 168.6297% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 4.2450% | 1,572 |
| Noncurrent loans to loans | 0.6415% | 5,769 |
| Net loans and leases to total assets | 66.1213% | 3,445 |
| Net loans and leases to deposits | 78.3808% | 3,448 |
| Net loans and leases to core deposits | 85.9016% | 3,331 |
| Total domestic deposits to total assets | 84.3591% | 4,195 |
| Equity capital to assets | 15.2670% | 729 |
| Core capital (leverage) ratio | 14.8250% | 688 |
| Tier 1 risk-based capital ratio | 18.8239% | 1,761 |
| Total risk-based capital ratio | 19.7218% | 1,814 |
| Memoranda: | ||
| Average total assets | $195,664,600 | 3,152 |
| Average earning assets | $172,702,000 | 3,231 |
| Average equity | $31,091,400 | 2,109 |
| Average total loans | $135,639,000 | 3,021 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2318% | 3,677 |
| Cost of funding earning assets | 0.9247% | 6,290 |
| Net interest margin | 4.3070% | 1,827 |
| Noninterest income to average assets | 1.2698% | 854 |
| Noninterest expense to average assets | 3.6492% | 1,672 |
| Loan and lease loss provision to assets | 0.3901% | 3,555 |
| Net operating income to assets | 0.7362% | 3,253 |
| Return on assets (ROA) | 0.8244% | 3,048 |
| Pretax return on assets | 1.1690% | 2,602 |
| Return on Equity (ROE) | 5.1347% | 4,226 |
| Retained earnings to average equity (ytd only) | 3.9649% | 3,689 |
| Net charge-offs to loans | 0.4677% | 3,415 |
| Credit loss provision to net charge-offs | 119.1983% | 3,467 |
| Earnings coverage of net charge-offs (x) | 4.3840% | 3,071 |
| Efficiency ratio | 71.7778% | 3,749 |
| Assets per employee ($millions) | 2.5388% | 7,028 |
| Cash dividends to net income (ytd only)* | 22.7807% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3890% | 4,526 |
| Loan loss allowance to noncurrent loans | 58.0545% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 3.6821% | 1,938 |
| Noncurrent loans to loans | 2.3926% | 3,243 |
| Net loans and leases to total assets | 71.2879% | 2,407 |
| Net loans and leases to deposits | 87.2437% | 2,117 |
| Net loans and leases to core deposits | 94.4764% | 2,463 |
| Total domestic deposits to total assets | 81.7112% | 5,110 |
| Equity capital to assets | 15.3862% | 797 |
| Core capital (leverage) ratio | 15.7451% | 602 |
| Tier 1 risk-based capital ratio | 21.4702% | 1,290 |
| Total risk-based capital ratio | 22.5406% | 1,292 |
| Memoranda: | ||
| Average total assets | $193,097,000 | 3,236 |
| Average earning assets | $171,002,250 | 3,304 |
| Average equity | $31,004,250 | 2,134 |
| Average total loans | $135,134,750 | 3,075 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4181% | 2,897 |
| Cost of funding earning assets | 0.9717% | 6,281 |
| Net interest margin | 4.4464% | 1,326 |
| Noninterest income to average assets | 0.7453% | 2,429 |
| Noninterest expense to average assets | 3.4217% | 2,210 |
| Loan and lease loss provision to assets | 0.4658% | 2,989 |
| Net operating income to assets | 0.5016% | 4,322 |
| Return on assets (ROA) | 0.6236% | 3,901 |
| Pretax return on assets | 0.9772% | 3,212 |
| Return on Equity (ROE) | 3.8257% | 4,865 |
| Retained earnings to average equity (ytd only) | 2.0590% | 4,831 |
| Net charge-offs to loans | 0.4639% | 3,149 |
| Credit loss provision to net charge-offs | 145.2145% | 2,737 |
| Earnings coverage of net charge-offs (x) | 3.9043% | 3,129 |
| Efficiency ratio | 73.2050% | 3,620 |
| Assets per employee ($millions) | 2.8099% | 6,553 |
| Cash dividends to net income (ytd only)* | 46.1800% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5702% | 3,585 |
| Loan loss allowance to noncurrent loans | 69.7621% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 4.2309% | 1,588 |
| Noncurrent loans to loans | 2.2509% | 3,427 |
| Net loans and leases to total assets | 69.2554% | 3,072 |
| Net loans and leases to deposits | 83.0454% | 3,065 |
| Net loans and leases to core deposits | 89.2058% | 3,385 |
| Total domestic deposits to total assets | 83.3947% | 4,392 |
| Equity capital to assets | 16.1458% | 647 |
| Core capital (leverage) ratio | 16.2683% | 533 |
| Tier 1 risk-based capital ratio | 23.5782% | 989 |
| Total risk-based capital ratio | 24.7791% | 974 |
| Memoranda: | ||
| Average total assets | $188,914,330 | 3,321 |
| Average earning assets | $166,920,670 | 3,389 |
| Average equity | $30,792,000 | 2,143 |
| Average total loans | $130,624,670 | 3,187 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5224% | 2,483 |
| Cost of funding earning assets | 1.0862% | 5,971 |
| Net interest margin | 4.4363% | 1,281 |
| Noninterest income to average assets | 0.5153% | 3,932 |
| Noninterest expense to average assets | 2.9664% | 3,798 |
| Loan and lease loss provision to assets | 0.3620% | 3,199 |
| Net operating income to assets | 0.7949% | 2,988 |
| Return on assets (ROA) | 0.7964% | 3,087 |
| Pretax return on assets | 1.1116% | 2,694 |
| Return on Equity (ROE) | 4.8630% | 4,439 |
| Retained earnings to average equity (ytd only) | 4.8630% | 3,232 |
| Net charge-offs to loans | 0.4009% | 2,839 |
| Credit loss provision to net charge-offs | 131.7829% | 2,678 |
| Earnings coverage of net charge-offs (x) | 5.3566% | 2,418 |
| Efficiency ratio | 66.8426% | 4,947 |
| Assets per employee ($millions) | 3.7770% | 4,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5629% | 3,608 |
| Loan loss allowance to noncurrent loans | 70.0870% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 4.3024% | 1,581 |
| Noncurrent loans to loans | 2.2299% | 3,484 |
| Net loans and leases to total assets | 67.2050% | 3,575 |
| Net loans and leases to deposits | 80.6149% | 3,531 |
| Net loans and leases to core deposits | 85.1231% | 4,029 |
| Total domestic deposits to total assets | 83.3655% | 4,446 |
| Equity capital to assets | 16.3967% | 616 |
| Core capital (leverage) ratio | 15.9665% | 589 |
| Tier 1 risk-based capital ratio | 23.1886% | 1,043 |
| Total risk-based capital ratio | 24.4490% | 1,028 |
| Memoranda: | ||
| Average total assets | $187,836,000 | 3,393 |
| Average earning assets | $166,086,000 | 3,463 |
| Average equity | $30,763,000 | 2,163 |
| Average total loans | $128,718,000 | 3,280 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7823% | 2,731 |
| Cost of funding earning assets | 1.2865% | 6,353 |
| Net interest margin | 4.4958% | 1,189 |
| Noninterest income to average assets | 0.7005% | 2,976 |
| Noninterest expense to average assets | 3.1940% | 3,399 |
| Loan and lease loss provision to assets | 0.5014% | 3,868 |
| Net operating income to assets | 0.6878% | 2,986 |
| Return on assets (ROA) | 0.7510% | 2,805 |
| Pretax return on assets | 1.0630% | 2,363 |
| Return on Equity (ROE) | 4.5908% | 3,848 |
| Retained earnings to average equity (ytd only) | 2.6603% | 3,288 |
| Net charge-offs to loans | 0.7374% | 2,978 |
| Credit loss provision to net charge-offs | 90.9449% | 5,971 |
| Earnings coverage of net charge-offs (x) | 2.6762% | 3,767 |
| Efficiency ratio | 68.4021% | 4,945 |
| Assets per employee ($millions) | 3.7365% | 4,433 |
| Cash dividends to net income (ytd only)* | 42.0520% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5361% | 3,545 |
| Loan loss allowance to noncurrent loans | 54.6814% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 4.8870% | 1,276 |
| Noncurrent loans to loans | 2.8092% | 2,752 |
| Net loans and leases to total assets | 67.7277% | 3,760 |
| Net loans and leases to deposits | 86.2621% | 2,867 |
| Net loans and leases to core deposits | 97.2014% | 4,324 |
| Total domestic deposits to total assets | 78.5139% | 6,114 |
| Equity capital to assets | 16.3583% | 650 |
| Core capital (leverage) ratio | 16.1544% | 596 |
| Tier 1 risk-based capital ratio | 23.1568% | 1,028 |
| Total risk-based capital ratio | 24.4173% | 1,006 |
| Memoranda: | ||
| Average total assets | $184,285,200 | 3,359 |
| Average earning assets | $162,685,400 | 3,468 |
| Average equity | $30,147,400 | 2,219 |
| Average total loans | $137,779,600 | 3,123 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8331% | 2,731 |
| Cost of funding earning assets | 1.3345% | 6,452 |
| Net interest margin | 4.4986% | 1,194 |
| Noninterest income to average assets | 0.6766% | 3,178 |
| Noninterest expense to average assets | 3.1276% | 3,547 |
| Loan and lease loss provision to assets | 0.4900% | 3,454 |
| Net operating income to assets | 0.7244% | 3,123 |
| Return on assets (ROA) | 0.7325% | 3,151 |
| Pretax return on assets | 1.0425% | 2,767 |
| Return on Equity (ROE) | 4.4778% | 4,172 |
| Retained earnings to average equity (ytd only) | 2.7869% | 3,775 |
| Net charge-offs to loans | 0.8289% | 2,304 |
| Credit loss provision to net charge-offs | 77.4971% | 5,823 |
| Earnings coverage of net charge-offs (x) | 2.4053% | 4,028 |
| Efficiency ratio | 67.2810% | 5,123 |
| Assets per employee ($millions) | 3.6886% | 4,453 |
| Cash dividends to net income (ytd only)* | 37.7604% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4134% | 3,872 |
| Loan loss allowance to noncurrent loans | 108.2803% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 3.9880% | 1,609 |
| Noncurrent loans to loans | 1.3053% | 4,757 |
| Net loans and leases to total assets | 70.7249% | 3,331 |
| Net loans and leases to deposits | 91.6712% | 2,295 |
| Net loans and leases to core deposits | 103.4992% | 3,996 |
| Total domestic deposits to total assets | 77.1507% | 6,303 |
| Equity capital to assets | 16.5694% | 697 |
| Core capital (leverage) ratio | 16.4641% | 617 |
| Tier 1 risk-based capital ratio | 22.4875% | 1,171 |
| Total risk-based capital ratio | 23.6985% | 1,157 |
| Memoranda: | ||
| Average total assets | $183,650,750 | 3,409 |
| Average earning assets | $162,150,250 | 3,509 |
| Average equity | $30,044,000 | 2,250 |
| Average total loans | $140,098,250 | 3,115 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9107% | 2,539 |
| Cost of funding earning assets | 1.3842% | 6,536 |
| Net interest margin | 4.5265% | 1,104 |
| Noninterest income to average assets | 0.6554% | 3,303 |
| Noninterest expense to average assets | 3.0678% | 3,822 |
| Loan and lease loss provision to assets | 0.4908% | 3,080 |
| Net operating income to assets | 0.7623% | 3,001 |
| Return on assets (ROA) | 0.7743% | 3,061 |
| Pretax return on assets | 1.1156% | 2,581 |
| Return on Equity (ROE) | 4.7536% | 4,184 |
| Retained earnings to average equity (ytd only) | 2.4036% | 3,992 |
| Net charge-offs to loans | 0.5733% | 2,609 |
| Credit loss provision to net charge-offs | 110.0244% | 4,213 |
| Earnings coverage of net charge-offs (x) | 3.5623% | 3,391 |
| Efficiency ratio | 65.8782% | 5,566 |
| Assets per employee ($millions) | 3.6638% | 4,414 |
| Cash dividends to net income (ytd only)* | 49.4366% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5303% | 3,033 |
| Loan loss allowance to noncurrent loans | 81.5087% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 3.8473% | 1,576 |
| Noncurrent loans to loans | 1.8775% | 3,691 |
| Net loans and leases to total assets | 74.0076% | 2,696 |
| Net loans and leases to deposits | 95.8067% | 1,828 |
| Net loans and leases to core deposits | 108.5363% | 3,549 |
| Total domestic deposits to total assets | 77.2468% | 6,269 |
| Equity capital to assets | 16.3735% | 777 |
| Core capital (leverage) ratio | 16.3766% | 694 |
| Tier 1 risk-based capital ratio | 21.7952% | 1,281 |
| Total risk-based capital ratio | 23.0560% | 1,254 |
| Memoranda: | ||
| Average total assets | $183,391,000 | 3,434 |
| Average earning assets | $162,112,670 | 3,524 |
| Average equity | $29,872,330 | 2,272 |
| Average total loans | $142,695,000 | 3,102 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9723% | 2,472 |
| Cost of funding earning assets | 1.4696% | 6,504 |
| Net interest margin | 4.5026% | 1,122 |
| Noninterest income to average assets | 0.8066% | 2,291 |
| Noninterest expense to average assets | 2.7402% | 4,824 |
| Loan and lease loss provision to assets | 0.4905% | 2,514 |
| Net operating income to assets | 1.0492% | 2,135 |
| Return on assets (ROA) | 1.0725% | 2,190 |
| Pretax return on assets | 1.5914% | 1,430 |
| Return on Equity (ROE) | 6.6016% | 3,781 |
| Retained earnings to average equity (ytd only) | 4.4547% | 3,444 |
| Net charge-offs to loans | 0.2893% | 2,959 |
| Credit loss provision to net charge-offs | 214.2857% | 2,101 |
| Earnings coverage of net charge-offs (x) | 8.9429% | 2,125 |
| Efficiency ratio | 57.2404% | 6,797 |
| Assets per employee ($millions) | 3.6489% | 4,451 |
| Cash dividends to net income (ytd only)* | 32.5203% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5214% | 2,860 |
| Loan loss allowance to noncurrent loans | 125.1288% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 3.3698% | 1,621 |
| Noncurrent loans to loans | 1.2158% | 4,541 |
| Net loans and leases to total assets | 77.5577% | 1,917 |
| Net loans and leases to deposits | 100.0021% | 1,406 |
| Net loans and leases to core deposits | 113.3277% | 3,072 |
| Total domestic deposits to total assets | 77.5561% | 6,134 |
| Equity capital to assets | 16.4476% | 803 |
| Core capital (leverage) ratio | 16.4244% | 723 |
| Tier 1 risk-based capital ratio | 21.3164% | 1,400 |
| Total risk-based capital ratio | 22.5762% | 1,367 |
| Memoranda: | ||
| Average total assets | $183,490,500 | 3,453 |
| Average earning assets | $162,216,000 | 3,538 |
| Average equity | $29,811,000 | 2,295 |
| Average total loans | $145,201,000 | 3,086 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5083% | 2,919 |
| Cost of funding earning assets | 1.9075% | 6,710 |
| Net interest margin | 4.6008% | 1,175 |
| Noninterest income to average assets | 0.7056% | 3,092 |
| Noninterest expense to average assets | 3.0565% | 3,871 |
| Loan and lease loss provision to assets | 1.5299% | 877 |
| Net operating income to assets | 0.2902% | 5,574 |
| Return on assets (ROA) | 0.2902% | 5,385 |
| Pretax return on assets | 0.2689% | 5,580 |
| Return on Equity (ROE) | 1.7862% | 5,676 |
| Retained earnings to average equity (ytd only) | -2.2188% | 5,929 |
| Net charge-offs to loans | 1.3660% | 861 |
| Credit loss provision to net charge-offs | 136.2257% | 3,913 |
| Earnings coverage of net charge-offs (x) | 1.6017% | 5,293 |
| Efficiency ratio | 62.9524% | 5,787 |
| Assets per employee ($millions) | 3.5488% | 4,548 |
| Cash dividends to net income (ytd only)* | 224.2202% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4082% | 3,149 |
| Loan loss allowance to noncurrent loans | 60.9260% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 4.1114% | 985 |
| Noncurrent loans to loans | 2.3113% | 2,392 |
| Net loans and leases to total assets | 78.3857% | 2,028 |
| Net loans and leases to deposits | 105.5100% | 1,166 |
| Net loans and leases to core deposits | 117.8355% | 2,906 |
| Total domestic deposits to total assets | 74.2921% | 6,606 |
| Equity capital to assets | 16.0479% | 922 |
| Core capital (leverage) ratio | 15.7798% | 868 |
| Tier 1 risk-based capital ratio | 20.6407% | 1,515 |
| Total risk-based capital ratio | 21.8939% | 1,485 |
| Memoranda: | ||
| Average total assets | $187,793,800 | 3,296 |
| Average earning assets | $169,385,000 | 3,344 |
| Average equity | $30,512,000 | 2,213 |
| Average total loans | $154,388,400 | 2,853 |