Home > Highpoint Community Bank > Performance and Condition Ratios
Highpoint Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3069% | 3,434 |
| Cost of funding earning assets | 0.9260% | 3,467 |
| Net interest margin | 3.3809% | 2,446 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 2.6237% | 1,943 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.9596% | 2,338 |
| Return on assets (ROA) | 0.9623% | 2,319 |
| Pretax return on assets | 1.0775% | 2,477 |
| Return on Equity (ROE) | 14.7300% | 1,335 |
| Retained earnings to average equity (ytd only) | 11.2732% | 735 |
| Net charge-offs to loans | -0.0022% | 3,694 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.8013% | 1,905 |
| Assets per employee ($millions) | 7.1067% | 2,006 |
| Cash dividends to net income (ytd only)* | 23.4670% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9253% | 3,630 |
| Loan loss allowance to noncurrent loans | 1,353.2407% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 3,366 |
| Noncurrent loans to loans | 0.0684% | 3,223 |
| Net loans and leases to total assets | 55.7500% | 3,217 |
| Net loans and leases to deposits | 61.7074% | 3,424 |
| Net loans and leases to core deposits | 63.8633% | 3,597 |
| Total domestic deposits to total assets | 90.3400% | 668 |
| Equity capital to assets | 6.6264% | 4,076 |
| Core capital (leverage) ratio | 7.1512% | 4,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1312% | 1,498 |
| Memoranda: | ||
| Average total assets | $528,748,000 | 1,668 |
| Average earning assets | $502,170,800 | 1,630 |
| Average equity | $34,542,000 | 2,070 |
| Average total loans | $322,075,200 | 1,716 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1463% | 3,564 |
| Cost of funding earning assets | 0.7696% | 3,605 |
| Net interest margin | 3.3766% | 2,505 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.5937% | 1,964 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 0.9165% | 2,628 |
| Return on assets (ROA) | 0.9202% | 2,603 |
| Pretax return on assets | 1.0176% | 2,803 |
| Return on Equity (ROE) | 14.1400% | 1,619 |
| Retained earnings to average equity (ytd only) | 11.3703% | 1,095 |
| Net charge-offs to loans | -0.0021% | 3,575 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.4820% | 1,846 |
| Assets per employee ($millions) | 6.9889% | 1,966 |
| Cash dividends to net income (ytd only)* | 19.5937% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9541% | 3,545 |
| Loan loss allowance to noncurrent loans | 911.7994% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.0577% | 3,236 |
| Noncurrent loans to loans | 0.1046% | 3,052 |
| Net loans and leases to total assets | 54.6600% | 3,314 |
| Net loans and leases to deposits | 59.8492% | 3,510 |
| Net loans and leases to core deposits | 61.7265% | 3,625 |
| Total domestic deposits to total assets | 91.3200% | 598 |
| Equity capital to assets | 5.9504% | 4,007 |
| Core capital (leverage) ratio | 7.1069% | 4,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5591% | 1,691 |
| Memoranda: | ||
| Average total assets | $520,577,000 | 1,685 |
| Average earning assets | $493,734,000 | 1,649 |
| Average equity | $33,876,750 | 2,091 |
| Average total loans | $323,619,750 | 1,706 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0997% | 3,491 |
| Cost of funding earning assets | 0.5596% | 3,857 |
| Net interest margin | 3.5401% | 2,176 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 2.6929% | 1,655 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 0.9440% | 2,605 |
| Return on assets (ROA) | 0.9498% | 2,579 |
| Pretax return on assets | 1.0417% | 2,795 |
| Return on Equity (ROE) | 14.1200% | 1,652 |
| Retained earnings to average equity (ytd only) | 11.3349% | 1,117 |
| Net charge-offs to loans | -0.0031% | 3,613 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.0716% | 1,858 |
| Assets per employee ($millions) | 6.7927% | 2,072 |
| Cash dividends to net income (ytd only)* | 19.7296% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9391% | 3,661 |
| Loan loss allowance to noncurrent loans | 1,368.7783% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.0407% | 3,368 |
| Noncurrent loans to loans | 0.0686% | 3,208 |
| Net loans and leases to total assets | 58.7200% | 2,896 |
| Net loans and leases to deposits | 64.6258% | 3,153 |
| Net loans and leases to core deposits | 66.6727% | 3,314 |
| Total domestic deposits to total assets | 90.8600% | 690 |
| Equity capital to assets | 6.3044% | 4,064 |
| Core capital (leverage) ratio | 6.9662% | 4,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2020% | 1,814 |
| Memoranda: | ||
| Average total assets | $498,412,667 | 1,732 |
| Average earning assets | $471,744,667 | 1,708 |
| Average equity | $33,524,667 | 2,119 |
| Average total loans | $323,506,333 | 1,690 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6990% | 4,022 |
| Cost of funding earning assets | 0.3384% | 4,110 |
| Net interest margin | 3.3606% | 2,729 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 2.7661% | 1,517 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 0.7325% | 3,392 |
| Return on assets (ROA) | 0.7464% | 3,309 |
| Pretax return on assets | 0.7707% | 3,531 |
| Return on Equity (ROE) | 10.7100% | 2,576 |
| Retained earnings to average equity (ytd only) | 7.9379% | 2,235 |
| Net charge-offs to loans | -0.0049% | 3,632 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.2052% | 1,319 |
| Assets per employee ($millions) | 5.4509% | 3,267 |
| Cash dividends to net income (ytd only)* | 25.9009% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8498% | 3,990 |
| Loan loss allowance to noncurrent loans | 839.8230% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.0707% | 3,091 |
| Noncurrent loans to loans | 0.1012% | 3,029 |
| Net loans and leases to total assets | 69.2500% | 1,696 |
| Net loans and leases to deposits | 77.0032% | 2,039 |
| Net loans and leases to core deposits | 77.7201% | 2,407 |
| Total domestic deposits to total assets | 89.9300% | 1,180 |
| Equity capital to assets | 6.9692% | 3,846 |
| Core capital (leverage) ratio | 7.9399% | 4,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3251% | 2,259 |
| Memoranda: | ||
| Average total assets | $475,912,000 | 1,802 |
| Average earning assets | $449,200,000 | 1,777 |
| Average equity | $33,157,500 | 2,159 |
| Average total loans | $324,195,500 | 1,709 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1078% | 3,978 |
| Cost of funding earning assets | 0.2450% | 3,364 |
| Net interest margin | 2.8628% | 3,766 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 2.5609% | 1,935 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.6542% | 3,745 |
| Return on assets (ROA) | 0.6542% | 3,696 |
| Pretax return on assets | 0.6982% | 3,848 |
| Return on Equity (ROE) | 9.4100% | 2,993 |
| Retained earnings to average equity (ytd only) | 6.3551% | 2,511 |
| Net charge-offs to loans | -0.0030% | 3,530 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 78.2264% | 840 |
| Assets per employee ($millions) | 6.1317% | 2,649 |
| Cash dividends to net income (ytd only)* | 32.4488% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6870% | 4,225 |
| Loan loss allowance to noncurrent loans | 1,809.2437% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 2,962 |
| Noncurrent loans to loans | 0.0380% | 3,506 |
| Net loans and leases to total assets | 65.9200% | 2,051 |
| Net loans and leases to deposits | 74.3182% | 2,233 |
| Net loans and leases to core deposits | 74.6942% | 2,521 |
| Total domestic deposits to total assets | 88.7000% | 1,814 |
| Equity capital to assets | 6.9650% | 3,689 |
| Core capital (leverage) ratio | 7.7529% | 4,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8129% | 2,046 |
| Memoranda: | ||
| Average total assets | $478,105,400 | 1,778 |
| Average earning assets | $450,646,400 | 1,758 |
| Average equity | $33,249,000 | 2,186 |
| Average total loans | $262,684,600 | 1,882 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9191% | 4,036 |
| Cost of funding earning assets | 0.2173% | 3,071 |
| Net interest margin | 2.7018% | 3,922 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 2.4918% | 2,034 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.5896% | 3,854 |
| Return on assets (ROA) | 0.5896% | 3,816 |
| Pretax return on assets | 0.6255% | 3,943 |
| Return on Equity (ROE) | 8.4800% | 3,179 |
| Retained earnings to average equity (ytd only) | 5.9107% | 2,779 |
| Net charge-offs to loans | -0.0027% | 3,322 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 79.4381% | 806 |
| Assets per employee ($millions) | 6.3088% | 2,484 |
| Cash dividends to net income (ytd only)* | 30.3159% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7556% | 4,174 |
| Loan loss allowance to noncurrent loans | 1,791.6667% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 3,700 |
| Noncurrent loans to loans | 0.0422% | 3,588 |
| Net loans and leases to total assets | 57.3900% | 2,764 |
| Net loans and leases to deposits | 64.9519% | 2,794 |
| Net loans and leases to core deposits | 65.2325% | 3,004 |
| Total domestic deposits to total assets | 88.3500% | 2,318 |
| Equity capital to assets | 6.5197% | 3,730 |
| Core capital (leverage) ratio | 7.5398% | 4,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8082% | 1,764 |
| Memoranda: | ||
| Average total assets | $479,595,750 | 1,786 |
| Average earning assets | $452,222,500 | 1,760 |
| Average equity | $33,340,000 | 2,216 |
| Average total loans | $250,011,500 | 1,939 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7695% | 4,032 |
| Cost of funding earning assets | 0.2147% | 2,710 |
| Net interest margin | 2.5548% | 3,995 |
| Noninterest income to average assets | 0.5822% | 1,814 |
| Noninterest expense to average assets | 2.4668% | 2,036 |
| Loan and lease loss provision to assets | 0.0126% | 2,366 |
| Net operating income to assets | 0.4947% | 3,906 |
| Return on assets (ROA) | 0.4947% | 3,859 |
| Pretax return on assets | 0.5107% | 3,976 |
| Return on Equity (ROE) | 6.9670% | 3,321 |
| Retained earnings to average equity (ytd only) | 4.4433% | 2,909 |
| Net charge-offs to loans | -0.0017% | 3,098 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4986% | 764 |
| Assets per employee ($millions) | 5.9051% | 2,828 |
| Cash dividends to net income (ytd only)* | 36.2245% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8737% | 4,017 |
| Loan loss allowance to noncurrent loans | 1,770.5882% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 3,739 |
| Noncurrent loans to loans | 0.0493% | 3,578 |
| Net loans and leases to total assets | 50.6029% | 3,312 |
| Net loans and leases to deposits | 57.5843% | 3,258 |
| Net loans and leases to core deposits | 57.8815% | 3,430 |
| Total domestic deposits to total assets | 87.8762% | 2,623 |
| Equity capital to assets | 6.7850% | 3,890 |
| Core capital (leverage) ratio | 7.4715% | 4,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3795% | 1,104 |
| Memoranda: | ||
| Average total assets | $475,431,000 | 1,808 |
| Average earning assets | $448,096,333 | 1,791 |
| Average equity | $33,759,000 | 2,239 |
| Average total loans | $238,498,667 | 2,006 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9571% | 3,379 |
| Cost of funding earning assets | 0.2154% | 2,592 |
| Net interest margin | 2.7417% | 3,306 |
| Noninterest income to average assets | 0.5778% | 1,789 |
| Noninterest expense to average assets | 2.3986% | 2,170 |
| Loan and lease loss provision to assets | 0.0126% | 2,117 |
| Net operating income to assets | 0.6818% | 3,119 |
| Return on assets (ROA) | 0.6818% | 3,110 |
| Pretax return on assets | 0.7498% | 3,251 |
| Return on Equity (ROE) | 9.3956% | 2,185 |
| Retained earnings to average equity (ytd only) | 6.8993% | 1,924 |
| Net charge-offs to loans | -0.0067% | 3,445 |
| Credit loss provision to net charge-offs | -375.0000% | 3,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8822% | 1,538 |
| Assets per employee ($millions) | 6.4648% | 2,411 |
| Cash dividends to net income (ytd only)* | 26.5683% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8960% | 4,053 |
| Loan loss allowance to noncurrent loans | 209,400.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0002% | 4,136 |
| Noncurrent loans to loans | 0.0004% | 4,060 |
| Net loans and leases to total assets | 47.1378% | 3,476 |
| Net loans and leases to deposits | 53.5506% | 3,454 |
| Net loans and leases to core deposits | 53.8157% | 3,604 |
| Total domestic deposits to total assets | 88.0248% | 2,515 |
| Equity capital to assets | 6.8983% | 4,259 |
| Core capital (leverage) ratio | 7.3830% | 4,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8972% | 1,061 |
| Memoranda: | ||
| Average total assets | $476,941,500 | 1,805 |
| Average earning assets | $449,352,500 | 1,792 |
| Average equity | $34,612,000 | 2,270 |
| Average total loans | $237,168,000 | 2,005 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9906% | 3,889 |
| Cost of funding earning assets | 0.2646% | 2,761 |
| Net interest margin | 2.7259% | 3,826 |
| Noninterest income to average assets | 0.7044% | 1,757 |
| Noninterest expense to average assets | 2.6346% | 1,791 |
| Loan and lease loss provision to assets | 0.0344% | 2,368 |
| Net operating income to assets | 0.5573% | 3,963 |
| Return on assets (ROA) | 0.5571% | 4,012 |
| Pretax return on assets | 0.5925% | 4,121 |
| Return on Equity (ROE) | 6.7830% | 3,575 |
| Retained earnings to average equity (ytd only) | 1.7572% | 4,056 |
| Net charge-offs to loans | 0.0012% | 2,624 |
| Credit loss provision to net charge-offs | 5,000.0000% | 147 |
| Earnings coverage of net charge-offs (x) | 911.0000% | 163 |
| Efficiency ratio | 80.7738% | 762 |
| Assets per employee ($millions) | 6.4244% | 2,395 |
| Cash dividends to net income (ytd only)* | 74.0939% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8623% | 4,153 |
| Loan loss allowance to noncurrent loans | 207,500.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0577% | 3,580 |
| Noncurrent loans to loans | 0.0004% | 4,140 |
| Net loans and leases to total assets | 51.5756% | 3,114 |
| Net loans and leases to deposits | 59.5122% | 3,123 |
| Net loans and leases to core deposits | 59.8792% | 3,321 |
| Total domestic deposits to total assets | 86.6639% | 2,636 |
| Equity capital to assets | 7.6382% | 4,539 |
| Core capital (leverage) ratio | 7.6823% | 4,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6343% | 1,134 |
| Memoranda: | ||
| Average total assets | $435,813,400 | 1,877 |
| Average earning assets | $408,850,400 | 1,873 |
| Average equity | $35,795,200 | 2,250 |
| Average total loans | $244,918,400 | 1,960 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0870% | 3,841 |
| Cost of funding earning assets | 0.2771% | 2,830 |
| Net interest margin | 2.8098% | 3,759 |
| Noninterest income to average assets | 0.7034% | 1,811 |
| Noninterest expense to average assets | 2.6363% | 1,734 |
| Loan and lease loss provision to assets | 0.0373% | 2,248 |
| Net operating income to assets | 0.6121% | 3,982 |
| Return on assets (ROA) | 0.6118% | 4,033 |
| Pretax return on assets | 0.6630% | 4,135 |
| Return on Equity (ROE) | 7.3104% | 3,585 |
| Retained earnings to average equity (ytd only) | 1.7970% | 4,245 |
| Net charge-offs to loans | 0.0043% | 2,186 |
| Credit loss provision to net charge-offs | 1,500.0000% | 396 |
| Earnings coverage of net charge-offs (x) | 281.8750% | 453 |
| Efficiency ratio | 79.0037% | 811 |
| Assets per employee ($millions) | 5.9552% | 2,736 |
| Cash dividends to net income (ytd only)* | 75.4190% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8527% | 4,268 |
| Loan loss allowance to noncurrent loans | 766.9173% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.1175% | 3,334 |
| Noncurrent loans to loans | 0.1112% | 3,538 |
| Net loans and leases to total assets | 52.4123% | 3,156 |
| Net loans and leases to deposits | 60.8021% | 3,157 |
| Net loans and leases to core deposits | 61.1895% | 3,389 |
| Total domestic deposits to total assets | 86.2015% | 2,667 |
| Equity capital to assets | 7.9023% | 4,562 |
| Core capital (leverage) ratio | 7.9088% | 4,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2487% | 1,091 |
| Memoranda: | ||
| Average total assets | $429,127,250 | 1,919 |
| Average earning assets | $402,198,500 | 1,914 |
| Average equity | $35,911,250 | 2,278 |
| Average total loans | $245,987,500 | 1,984 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1525% | 3,764 |
| Cost of funding earning assets | 0.2925% | 2,848 |
| Net interest margin | 2.8600% | 3,656 |
| Noninterest income to average assets | 0.7372% | 1,697 |
| Noninterest expense to average assets | 2.6351% | 1,764 |
| Loan and lease loss provision to assets | 0.0427% | 2,158 |
| Net operating income to assets | 0.6717% | 3,827 |
| Return on assets (ROA) | 0.6717% | 3,890 |
| Pretax return on assets | 0.7372% | 3,993 |
| Return on Equity (ROE) | 7.8699% | 3,439 |
| Retained earnings to average equity (ytd only) | 5.4227% | 3,029 |
| Net charge-offs to loans | -0.0032% | 3,307 |
| Credit loss provision to net charge-offs | -2,250.0000% | 3,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1615% | 976 |
| Assets per employee ($millions) | 5.5401% | 3,078 |
| Cash dividends to net income (ytd only)* | 31.0954% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8344% | 4,311 |
| Loan loss allowance to noncurrent loans | 953.7736% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.0491% | 3,927 |
| Noncurrent loans to loans | 0.0875% | 3,744 |
| Net loans and leases to total assets | 55.6128% | 2,949 |
| Net loans and leases to deposits | 65.1728% | 2,885 |
| Net loans and leases to core deposits | 65.6186% | 3,146 |
| Total domestic deposits to total assets | 85.3313% | 2,973 |
| Equity capital to assets | 8.4043% | 4,278 |
| Core capital (leverage) ratio | 8.1681% | 4,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9776% | 966 |
| Memoranda: | ||
| Average total assets | $421,305,667 | 1,933 |
| Average earning assets | $394,478,333 | 1,935 |
| Average equity | $35,960,000 | 2,272 |
| Average total loans | $248,232,000 | 1,976 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0841% | 3,919 |
| Cost of funding earning assets | 0.3085% | 2,902 |
| Net interest margin | 2.7755% | 3,820 |
| Noninterest income to average assets | 0.8098% | 1,559 |
| Noninterest expense to average assets | 2.6362% | 1,777 |
| Loan and lease loss provision to assets | 0.0577% | 1,964 |
| Net operating income to assets | 0.6521% | 3,809 |
| Return on assets (ROA) | 0.6521% | 3,883 |
| Pretax return on assets | 0.7117% | 3,995 |
| Return on Equity (ROE) | 7.5793% | 3,455 |
| Retained earnings to average equity (ytd only) | 5.0864% | 3,201 |
| Net charge-offs to loans | -0.0048% | 3,376 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4075% | 1,005 |
| Assets per employee ($millions) | 5.7376% | 2,868 |
| Cash dividends to net income (ytd only)* | 32.8909% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7705% | 4,456 |
| Loan loss allowance to noncurrent loans | 194.2439% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.2351% | 2,967 |
| Noncurrent loans to loans | 0.3966% | 2,681 |
| Net loans and leases to total assets | 58.8054% | 2,704 |
| Net loans and leases to deposits | 68.5868% | 2,642 |
| Net loans and leases to core deposits | 69.1979% | 2,946 |
| Total domestic deposits to total assets | 85.7387% | 2,838 |
| Equity capital to assets | 8.2171% | 4,348 |
| Core capital (leverage) ratio | 8.2992% | 4,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4544% | 1,002 |
| Memoranda: | ||
| Average total assets | $415,896,000 | 1,942 |
| Average earning assets | $388,969,000 | 1,941 |
| Average equity | $35,781,500 | 2,271 |
| Average total loans | $251,178,500 | 1,956 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7266% | 3,507 |
| Cost of funding earning assets | 0.3757% | 3,734 |
| Net interest margin | 3.3509% | 2,924 |
| Noninterest income to average assets | 0.9524% | 1,142 |
| Noninterest expense to average assets | 3.0434% | 1,340 |
| Loan and lease loss provision to assets | 0.1698% | 2,262 |
| Net operating income to assets | 0.7681% | 3,208 |
| Return on assets (ROA) | 0.7689% | 3,331 |
| Pretax return on assets | 0.8137% | 3,601 |
| Return on Equity (ROE) | 7.9901% | 2,826 |
| Retained earnings to average equity (ytd only) | 5.2101% | 2,184 |
| Net charge-offs to loans | -0.0037% | 4,066 |
| Credit loss provision to net charge-offs | -6,777.7778% | 4,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5912% | 1,282 |
| Assets per employee ($millions) | 5.0736% | 3,310 |
| Cash dividends to net income (ytd only)* | 34.7936% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7904% | 4,444 |
| Loan loss allowance to noncurrent loans | 187.9142% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.2593% | 3,003 |
| Noncurrent loans to loans | 0.4206% | 2,716 |
| Net loans and leases to total assets | 61.1553% | 2,709 |
| Net loans and leases to deposits | 72.5390% | 2,636 |
| Net loans and leases to core deposits | 73.4270% | 2,961 |
| Total domestic deposits to total assets | 84.3067% | 3,012 |
| Equity capital to assets | 9.0292% | 4,026 |
| Core capital (leverage) ratio | 8.8135% | 3,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5433% | 970 |
| Memoranda: | ||
| Average total assets | $359,203,200 | 2,007 |
| Average earning assets | $329,494,800 | 2,029 |
| Average equity | $34,567,800 | 2,252 |
| Average total loans | $241,430,800 | 1,961 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7093% | 3,783 |
| Cost of funding earning assets | 0.3883% | 3,878 |
| Net interest margin | 3.3210% | 3,124 |
| Noninterest income to average assets | 0.8109% | 1,453 |
| Noninterest expense to average assets | 2.9464% | 1,571 |
| Loan and lease loss provision to assets | 0.1694% | 2,307 |
| Net operating income to assets | 0.6837% | 3,508 |
| Return on assets (ROA) | 0.6837% | 3,617 |
| Pretax return on assets | 0.7305% | 3,826 |
| Return on Equity (ROE) | 6.9822% | 3,206 |
| Retained earnings to average equity (ytd only) | 4.6678% | 2,708 |
| Net charge-offs to loans | -0.0028% | 3,933 |
| Credit loss provision to net charge-offs | -8,900.0000% | 4,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6016% | 1,148 |
| Assets per employee ($millions) | 4.8981% | 3,378 |
| Cash dividends to net income (ytd only)* | 33.1476% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6786% | 4,608 |
| Loan loss allowance to noncurrent loans | 153.4904% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.3000% | 2,953 |
| Noncurrent loans to loans | 0.4421% | 2,725 |
| Net loans and leases to total assets | 67.3878% | 2,337 |
| Net loans and leases to deposits | 80.4987% | 2,266 |
| Net loans and leases to core deposits | 81.4610% | 2,704 |
| Total domestic deposits to total assets | 83.7129% | 2,917 |
| Equity capital to assets | 9.2315% | 3,923 |
| Core capital (leverage) ratio | 9.1127% | 3,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4396% | 981 |
| Memoranda: | ||
| Average total assets | $350,069,750 | 2,029 |
| Average earning assets | $319,979,500 | 2,056 |
| Average equity | $34,276,750 | 2,256 |
| Average total loans | $240,803,000 | 1,966 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8339% | 3,778 |
| Cost of funding earning assets | 0.4078% | 4,005 |
| Net interest margin | 3.4260% | 3,019 |
| Noninterest income to average assets | 0.7513% | 1,573 |
| Noninterest expense to average assets | 3.0217% | 1,521 |
| Loan and lease loss provision to assets | 0.1650% | 2,350 |
| Net operating income to assets | 0.6547% | 3,567 |
| Return on assets (ROA) | 0.6547% | 3,660 |
| Pretax return on assets | 0.6883% | 3,894 |
| Return on Equity (ROE) | 6.5457% | 3,310 |
| Retained earnings to average equity (ytd only) | 4.1949% | 2,821 |
| Net charge-offs to loans | -0.0034% | 3,906 |
| Credit loss provision to net charge-offs | -7,000.0000% | 4,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9805% | 1,059 |
| Assets per employee ($millions) | 4.4795% | 3,814 |
| Cash dividends to net income (ytd only)* | 35.9136% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6187% | 4,717 |
| Loan loss allowance to noncurrent loans | 461.7391% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.0963% | 4,050 |
| Noncurrent loans to loans | 0.1340% | 3,918 |
| Net loans and leases to total assets | 71.3999% | 1,818 |
| Net loans and leases to deposits | 86.2148% | 1,741 |
| Net loans and leases to core deposits | 87.1712% | 2,334 |
| Total domestic deposits to total assets | 82.8163% | 3,138 |
| Equity capital to assets | 9.6871% | 3,495 |
| Core capital (leverage) ratio | 9.2564% | 3,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0058% | 1,057 |
| Memoranda: | ||
| Average total assets | $339,409,667 | 2,051 |
| Average earning assets | $309,453,667 | 2,075 |
| Average equity | $33,946,000 | 2,260 |
| Average total loans | $234,666,000 | 1,985 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8482% | 4,135 |
| Cost of funding earning assets | 0.4409% | 4,193 |
| Net interest margin | 3.4073% | 3,277 |
| Noninterest income to average assets | 0.7359% | 1,513 |
| Noninterest expense to average assets | 3.0903% | 1,664 |
| Loan and lease loss provision to assets | 0.0485% | 3,172 |
| Net operating income to assets | 0.6571% | 3,426 |
| Return on assets (ROA) | 0.6571% | 3,482 |
| Pretax return on assets | 0.6886% | 3,717 |
| Return on Equity (ROE) | 6.4598% | 3,148 |
| Retained earnings to average equity (ytd only) | 4.1238% | 2,634 |
| Net charge-offs to loans | 0.0036% | 2,457 |
| Credit loss provision to net charge-offs | 2,000.0000% | 338 |
| Earnings coverage of net charge-offs (x) | 304.0000% | 235 |
| Efficiency ratio | 80.7412% | 1,065 |
| Assets per employee ($millions) | 4.2445% | 3,600 |
| Cash dividends to net income (ytd only)* | 36.1624% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5941% | 4,768 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 67.2147% | 2,669 |
| Net loans and leases to deposits | 82.4879% | 2,388 |
| Net loans and leases to core deposits | 83.4955% | 2,891 |
| Total domestic deposits to total assets | 81.4843% | 3,548 |
| Equity capital to assets | 10.0878% | 3,698 |
| Core capital (leverage) ratio | 9.9881% | 3,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4554% | 1,241 |
| Memoranda: | ||
| Average total assets | $329,933,500 | 2,041 |
| Average earning assets | $299,359,500 | 2,080 |
| Average equity | $33,561,500 | 2,268 |
| Average total loans | $223,267,500 | 2,030 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9504% | 4,350 |
| Cost of funding earning assets | 0.3992% | 4,444 |
| Net interest margin | 3.5512% | 3,284 |
| Noninterest income to average assets | 0.8399% | 1,333 |
| Noninterest expense to average assets | 3.2803% | 1,338 |
| Loan and lease loss provision to assets | 0.0202% | 3,615 |
| Net operating income to assets | 0.7257% | 3,780 |
| Return on assets (ROA) | 0.7248% | 3,853 |
| Pretax return on assets | 0.7513% | 4,077 |
| Return on Equity (ROE) | 7.2470% | 3,467 |
| Retained earnings to average equity (ytd only) | 4.5442% | 2,687 |
| Net charge-offs to loans | 0.0118% | 3,265 |
| Credit loss provision to net charge-offs | 260.0000% | 1,063 |
| Earnings coverage of net charge-offs (x) | 99.3200% | 681 |
| Efficiency ratio | 80.9411% | 870 |
| Assets per employee ($millions) | 4.0068% | 3,895 |
| Cash dividends to net income (ytd only)* | 37.2961% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5955% | 4,749 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 67.3230% | 2,784 |
| Net loans and leases to deposits | 82.3176% | 2,520 |
| Net loans and leases to core deposits | 83.6039% | 2,987 |
| Total domestic deposits to total assets | 81.7844% | 3,567 |
| Equity capital to assets | 10.2594% | 3,669 |
| Core capital (leverage) ratio | 9.9434% | 3,577 |
| Tier 1 risk-based capital ratio | 16.7787% | 2,130 |
| Total risk-based capital ratio | 17.4558% | 2,274 |
| Memoranda: | ||
| Average total assets | $321,463,200 | 2,027 |
| Average earning assets | $290,832,400 | 2,086 |
| Average equity | $32,151,200 | 2,295 |
| Average total loans | $211,988,400 | 2,072 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9413% | 4,472 |
| Cost of funding earning assets | 0.3803% | 4,562 |
| Net interest margin | 3.5610% | 3,368 |
| Noninterest income to average assets | 0.8319% | 1,325 |
| Noninterest expense to average assets | 3.2966% | 1,277 |
| Loan and lease loss provision to assets | 0.0208% | 3,496 |
| Net operating income to assets | 0.7122% | 3,973 |
| Return on assets (ROA) | 0.7122% | 4,044 |
| Pretax return on assets | 0.7338% | 4,273 |
| Return on Equity (ROE) | 7.1676% | 3,618 |
| Retained earnings to average equity (ytd only) | 4.7617% | 3,019 |
| Net charge-offs to loans | 0.0095% | 3,030 |
| Credit loss provision to net charge-offs | 333.3333% | 884 |
| Earnings coverage of net charge-offs (x) | 120.9970% | 642 |
| Efficiency ratio | 81.3732% | 806 |
| Assets per employee ($millions) | 4.1400% | 3,697 |
| Cash dividends to net income (ytd only)* | 33.5670% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6130% | 4,792 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 63.8395% | 3,301 |
| Net loans and leases to deposits | 78.2034% | 3,077 |
| Net loans and leases to core deposits | 79.2858% | 3,442 |
| Total domestic deposits to total assets | 81.6326% | 3,578 |
| Equity capital to assets | 9.9465% | 4,073 |
| Core capital (leverage) ratio | 10.1605% | 3,463 |
| Tier 1 risk-based capital ratio | 16.9984% | 2,087 |
| Total risk-based capital ratio | 17.6886% | 2,223 |
| Memoranda: | ||
| Average total assets | $320,691,000 | 2,042 |
| Average earning assets | $289,912,000 | 2,101 |
| Average equity | $31,864,750 | 2,320 |
| Average total loans | $210,033,750 | 2,102 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9907% | 4,399 |
| Cost of funding earning assets | 0.3644% | 4,634 |
| Net interest margin | 3.6264% | 3,175 |
| Noninterest income to average assets | 0.8273% | 1,259 |
| Noninterest expense to average assets | 3.3602% | 1,171 |
| Loan and lease loss provision to assets | 0.0221% | 3,364 |
| Net operating income to assets | 0.7056% | 3,989 |
| Return on assets (ROA) | 0.7056% | 4,040 |
| Pretax return on assets | 0.7207% | 4,282 |
| Return on Equity (ROE) | 7.1036% | 3,639 |
| Retained earnings to average equity (ytd only) | 4.6976% | 2,920 |
| Net charge-offs to loans | 0.0067% | 2,909 |
| Credit loss provision to net charge-offs | 500.0000% | 590 |
| Earnings coverage of net charge-offs (x) | 168.2857% | 450 |
| Efficiency ratio | 81.8964% | 807 |
| Assets per employee ($millions) | 3.9648% | 3,917 |
| Cash dividends to net income (ytd only)* | 33.8695% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6160% | 4,843 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 65.9701% | 3,112 |
| Net loans and leases to deposits | 82.7301% | 2,648 |
| Net loans and leases to core deposits | 83.9492% | 3,110 |
| Total domestic deposits to total assets | 79.7413% | 4,086 |
| Equity capital to assets | 10.2329% | 3,765 |
| Core capital (leverage) ratio | 10.0828% | 3,511 |
| Tier 1 risk-based capital ratio | 16.7894% | 2,143 |
| Total risk-based capital ratio | 17.4758% | 2,271 |
| Memoranda: | ||
| Average total assets | $317,187,670 | 2,068 |
| Average earning assets | $286,513,330 | 2,122 |
| Average equity | $31,505,330 | 2,334 |
| Average total loans | $209,131,330 | 2,118 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9847% | 4,399 |
| Cost of funding earning assets | 0.3149% | 4,798 |
| Net interest margin | 3.6698% | 3,007 |
| Noninterest income to average assets | 0.7932% | 1,307 |
| Noninterest expense to average assets | 3.3973% | 1,113 |
| Loan and lease loss provision to assets | 0.0252% | 3,101 |
| Net operating income to assets | 0.6835% | 3,994 |
| Return on assets (ROA) | 0.6835% | 4,032 |
| Pretax return on assets | 0.6923% | 4,318 |
| Return on Equity (ROE) | 6.9869% | 3,689 |
| Retained earnings to average equity (ytd only) | 4.6279% | 3,069 |
| Net charge-offs to loans | -0.0019% | 3,852 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5621% | 824 |
| Assets per employee ($millions) | 4.0993% | 3,784 |
| Cash dividends to net income (ytd only)* | 33.7638% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6060% | 4,925 |
| Loan loss allowance to noncurrent loans | 1,612.5000% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.0887% | 4,369 |
| Noncurrent loans to loans | 0.0376% | 4,599 |
| Net loans and leases to total assets | 67.0342% | 2,892 |
| Net loans and leases to deposits | 81.3822% | 2,682 |
| Net loans and leases to core deposits | 82.2688% | 3,165 |
| Total domestic deposits to total assets | 82.3696% | 3,626 |
| Equity capital to assets | 9.9668% | 3,858 |
| Core capital (leverage) ratio | 9.8314% | 3,784 |
| Tier 1 risk-based capital ratio | 16.5985% | 2,229 |
| Total risk-based capital ratio | 17.2815% | 2,371 |
| Memoranda: | ||
| Average total assets | $317,190,000 | 2,081 |
| Average earning assets | $287,098,000 | 2,134 |
| Average equity | $31,029,500 | 2,357 |
| Average total loans | $208,425,500 | 2,144 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7369% | 4,609 |
| Cost of funding earning assets | 0.2787% | 4,664 |
| Net interest margin | 3.4582% | 3,841 |
| Noninterest income to average assets | 0.8330% | 1,360 |
| Noninterest expense to average assets | 3.1859% | 1,587 |
| Loan and lease loss provision to assets | 0.0186% | 3,788 |
| Net operating income to assets | 0.6913% | 4,161 |
| Return on assets (ROA) | 0.6879% | 4,177 |
| Pretax return on assets | 0.7639% | 4,260 |
| Return on Equity (ROE) | 7.4199% | 3,685 |
| Retained earnings to average equity (ytd only) | 4.6846% | 2,941 |
| Net charge-offs to loans | 0.0831% | 1,949 |
| Credit loss provision to net charge-offs | 36.1446% | 3,309 |
| Earnings coverage of net charge-offs (x) | 15.2771% | 2,336 |
| Efficiency ratio | 80.2076% | 943 |
| Assets per employee ($millions) | 4.0863% | 3,766 |
| Cash dividends to net income (ytd only)* | 36.8635% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6222% | 4,935 |
| Loan loss allowance to noncurrent loans | 1,566.6667% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.0882% | 4,377 |
| Noncurrent loans to loans | 0.0397% | 4,578 |
| Net loans and leases to total assets | 63.5957% | 3,396 |
| Net loans and leases to deposits | 77.9121% | 3,174 |
| Net loans and leases to core deposits | 78.3242% | 3,552 |
| Total domestic deposits to total assets | 81.6250% | 3,744 |
| Equity capital to assets | 9.6002% | 4,046 |
| Core capital (leverage) ratio | 9.7340% | 3,874 |
| Tier 1 risk-based capital ratio | 16.6623% | 2,182 |
| Total risk-based capital ratio | 17.3445% | 2,318 |
| Memoranda: | ||
| Average total assets | $322,574,800 | 2,032 |
| Average earning assets | $292,812,000 | 2,057 |
| Average equity | $29,906,200 | 2,341 |
| Average total loans | $199,654,000 | 2,177 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6877% | 4,674 |
| Cost of funding earning assets | 0.2710% | 4,669 |
| Net interest margin | 3.4167% | 3,957 |
| Noninterest income to average assets | 0.8197% | 1,414 |
| Noninterest expense to average assets | 3.1884% | 1,550 |
| Loan and lease loss provision to assets | 0.0185% | 3,639 |
| Net operating income to assets | 0.6532% | 4,359 |
| Return on assets (ROA) | 0.6532% | 4,373 |
| Pretax return on assets | 0.7142% | 4,499 |
| Return on Equity (ROE) | 7.1075% | 3,895 |
| Retained earnings to average equity (ytd only) | 4.8340% | 3,329 |
| Net charge-offs to loans | 0.0161% | 2,852 |
| Credit loss provision to net charge-offs | 187.5000% | 1,458 |
| Earnings coverage of net charge-offs (x) | 74.0816% | 917 |
| Efficiency ratio | 81.3137% | 828 |
| Assets per employee ($millions) | 3.9247% | 4,012 |
| Cash dividends to net income (ytd only)* | 31.9872% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6898% | 4,891 |
| Loan loss allowance to noncurrent loans | 332.3810% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.1305% | 4,309 |
| Noncurrent loans to loans | 0.2075% | 3,971 |
| Net loans and leases to total assets | 62.4532% | 3,608 |
| Net loans and leases to deposits | 74.6851% | 3,534 |
| Net loans and leases to core deposits | 75.0667% | 3,872 |
| Total domestic deposits to total assets | 83.6220% | 3,073 |
| Equity capital to assets | 9.2831% | 4,296 |
| Core capital (leverage) ratio | 9.5872% | 4,073 |
| Tier 1 risk-based capital ratio | 16.7729% | 2,178 |
| Total risk-based capital ratio | 17.5362% | 2,280 |
| Memoranda: | ||
| Average total assets | $323,535,500 | 2,037 |
| Average earning assets | $293,689,750 | 2,068 |
| Average equity | $29,733,000 | 2,359 |
| Average total loans | $198,575,250 | 2,195 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6459% | 4,690 |
| Cost of funding earning assets | 0.2637% | 4,672 |
| Net interest margin | 3.3822% | 4,009 |
| Noninterest income to average assets | 0.8250% | 1,404 |
| Noninterest expense to average assets | 3.1601% | 1,638 |
| Loan and lease loss provision to assets | 0.0185% | 3,528 |
| Net operating income to assets | 0.6714% | 4,281 |
| Return on assets (ROA) | 0.6714% | 4,285 |
| Pretax return on assets | 0.7177% | 4,468 |
| Return on Equity (ROE) | 7.3301% | 3,787 |
| Retained earnings to average equity (ytd only) | 5.1405% | 3,003 |
| Net charge-offs to loans | 0.0253% | 2,350 |
| Credit loss provision to net charge-offs | 120.0000% | 1,797 |
| Earnings coverage of net charge-offs (x) | 47.7200% | 1,157 |
| Efficiency ratio | 81.1055% | 909 |
| Assets per employee ($millions) | 3.8933% | 4,069 |
| Cash dividends to net income (ytd only)* | 29.8713% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6946% | 4,957 |
| Loan loss allowance to noncurrent loans | 296.1373% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.1460% | 4,259 |
| Noncurrent loans to loans | 0.2346% | 3,871 |
| Net loans and leases to total assets | 61.7993% | 3,630 |
| Net loans and leases to deposits | 76.2176% | 3,304 |
| Net loans and leases to core deposits | 76.6222% | 3,690 |
| Total domestic deposits to total assets | 81.0827% | 3,970 |
| Equity capital to assets | 9.3174% | 4,266 |
| Core capital (leverage) ratio | 9.4916% | 4,122 |
| Tier 1 risk-based capital ratio | 16.6298% | 2,215 |
| Total risk-based capital ratio | 17.3855% | 2,328 |
| Memoranda: | ||
| Average total assets | $324,106,670 | 2,040 |
| Average earning assets | $294,306,000 | 2,074 |
| Average equity | $29,685,670 | 2,374 |
| Average total loans | $197,305,670 | 2,211 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5826% | 4,739 |
| Cost of funding earning assets | 0.2532% | 4,691 |
| Net interest margin | 3.3294% | 4,105 |
| Noninterest income to average assets | 0.7668% | 1,553 |
| Noninterest expense to average assets | 3.1776% | 1,616 |
| Loan and lease loss provision to assets | 0.0184% | 3,293 |
| Net operating income to assets | 0.5745% | 4,495 |
| Return on assets (ROA) | 0.5745% | 4,504 |
| Pretax return on assets | 0.5990% | 4,685 |
| Return on Equity (ROE) | 6.3260% | 4,046 |
| Retained earnings to average equity (ytd only) | 4.1409% | 3,542 |
| Net charge-offs to loans | 0.0509% | 1,590 |
| Credit loss provision to net charge-offs | 60.0000% | 1,888 |
| Earnings coverage of net charge-offs (x) | 20.1600% | 1,480 |
| Efficiency ratio | 83.7314% | 817 |
| Assets per employee ($millions) | 4.2457% | 3,571 |
| Cash dividends to net income (ytd only)* | 34.5416% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6949% | 5,040 |
| Loan loss allowance to noncurrent loans | 318.1818% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.1312% | 4,436 |
| Noncurrent loans to loans | 0.2184% | 3,993 |
| Net loans and leases to total assets | 59.6659% | 3,784 |
| Net loans and leases to deposits | 71.8457% | 3,623 |
| Net loans and leases to core deposits | 72.2133% | 3,935 |
| Total domestic deposits to total assets | 83.0473% | 3,652 |
| Equity capital to assets | 9.0055% | 4,548 |
| Core capital (leverage) ratio | 9.1370% | 4,524 |
| Tier 1 risk-based capital ratio | 16.4441% | 2,293 |
| Total risk-based capital ratio | 17.1945% | 2,442 |
| Memoranda: | ||
| Average total assets | $326,533,500 | 2,039 |
| Average earning assets | $296,992,000 | 2,081 |
| Average equity | $29,655,500 | 2,396 |
| Average total loans | $196,620,500 | 2,222 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4733% | 4,822 |
| Cost of funding earning assets | 0.2045% | 4,909 |
| Net interest margin | 3.2688% | 4,259 |
| Noninterest income to average assets | 0.8491% | 1,407 |
| Noninterest expense to average assets | 3.0590% | 1,981 |
| Loan and lease loss provision to assets | 0.0300% | 3,677 |
| Net operating income to assets | 0.6656% | 3,748 |
| Return on assets (ROA) | 0.6725% | 3,772 |
| Pretax return on assets | 0.7363% | 4,427 |
| Return on Equity (ROE) | 7.2236% | 3,165 |
| Retained earnings to average equity (ytd only) | 4.4447% | 2,488 |
| Net charge-offs to loans | 0.0033% | 3,989 |
| Credit loss provision to net charge-offs | 1,583.3333% | 250 |
| Earnings coverage of net charge-offs (x) | 400.3333% | 218 |
| Efficiency ratio | 80.1258% | 1,088 |
| Assets per employee ($millions) | 3.9295% | 4,076 |
| Cash dividends to net income (ytd only)* | 38.4688% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6986% | 5,077 |
| Loan loss allowance to noncurrent loans | 223.9414% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.1883% | 4,188 |
| Noncurrent loans to loans | 0.3120% | 3,667 |
| Net loans and leases to total assets | 59.9243% | 3,839 |
| Net loans and leases to deposits | 73.7924% | 3,535 |
| Net loans and leases to core deposits | 74.2641% | 3,861 |
| Total domestic deposits to total assets | 81.2065% | 4,070 |
| Equity capital to assets | 9.1585% | 4,568 |
| Core capital (leverage) ratio | 9.3285% | 4,251 |
| Tier 1 risk-based capital ratio | 16.4285% | 2,293 |
| Total risk-based capital ratio | 17.1913% | 2,395 |
| Memoranda: | ||
| Average total assets | $316,576,600 | 2,083 |
| Average earning assets | $287,506,000 | 2,113 |
| Average equity | $29,473,000 | 2,393 |
| Average total loans | $181,071,000 | 2,320 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4582% | 4,886 |
| Cost of funding earning assets | 0.2019% | 4,962 |
| Net interest margin | 3.2562% | 4,305 |
| Noninterest income to average assets | 0.8640% | 1,390 |
| Noninterest expense to average assets | 3.0788% | 1,857 |
| Loan and lease loss provision to assets | 0.0339% | 3,441 |
| Net operating income to assets | 0.6430% | 4,218 |
| Return on assets (ROA) | 0.6523% | 4,234 |
| Pretax return on assets | 0.7180% | 4,567 |
| Return on Equity (ROE) | 6.9766% | 3,675 |
| Retained earnings to average equity (ytd only) | 4.5482% | 3,188 |
| Net charge-offs to loans | 0.0053% | 3,546 |
| Credit loss provision to net charge-offs | 1,142.8571% | 322 |
| Earnings coverage of net charge-offs (x) | 249.7974% | 353 |
| Efficiency ratio | 80.5842% | 1,036 |
| Assets per employee ($millions) | 3.9078% | 4,143 |
| Cash dividends to net income (ytd only)* | 34.8083% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7501% | 5,020 |
| Loan loss allowance to noncurrent loans | 225.7475% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.1902% | 4,342 |
| Noncurrent loans to loans | 0.3323% | 3,758 |
| Net loans and leases to total assets | 56.8118% | 4,166 |
| Net loans and leases to deposits | 66.7295% | 4,196 |
| Net loans and leases to core deposits | 67.1481% | 4,413 |
| Total domestic deposits to total assets | 85.1374% | 2,662 |
| Equity capital to assets | 9.5143% | 4,429 |
| Core capital (leverage) ratio | 8.7471% | 5,020 |
| Tier 1 risk-based capital ratio | 16.0707% | 2,473 |
| Total risk-based capital ratio | 16.8739% | 2,604 |
| Memoranda: | ||
| Average total assets | $314,184,500 | 2,110 |
| Average earning assets | $285,270,500 | 2,137 |
| Average equity | $29,373,750 | 2,419 |
| Average total loans | $177,135,000 | 2,371 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4352% | 4,904 |
| Cost of funding earning assets | 0.2016% | 4,963 |
| Net interest margin | 3.2336% | 4,316 |
| Noninterest income to average assets | 0.8156% | 1,513 |
| Noninterest expense to average assets | 3.0804% | 1,886 |
| Loan and lease loss provision to assets | 0.0319% | 3,360 |
| Net operating income to assets | 0.6001% | 4,305 |
| Return on assets (ROA) | 0.6133% | 4,289 |
| Pretax return on assets | 0.6548% | 4,671 |
| Return on Equity (ROE) | 6.5988% | 3,779 |
| Retained earnings to average equity (ytd only) | 4.1337% | 3,246 |
| Net charge-offs to loans | -0.0034% | 4,256 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0779% | 1,000 |
| Assets per employee ($millions) | 3.7608% | 4,337 |
| Cash dividends to net income (ytd only)* | 37.3569% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7579% | 5,057 |
| Loan loss allowance to noncurrent loans | 300.2242% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.1412% | 4,615 |
| Noncurrent loans to loans | 0.2524% | 4,133 |
| Net loans and leases to total assets | 55.5018% | 4,270 |
| Net loans and leases to deposits | 66.8905% | 4,156 |
| Net loans and leases to core deposits | 67.3892% | 4,390 |
| Total domestic deposits to total assets | 82.9742% | 3,575 |
| Equity capital to assets | 9.4368% | 4,473 |
| Core capital (leverage) ratio | 8.5042% | 5,214 |
| Tier 1 risk-based capital ratio | 15.8243% | 2,577 |
| Total risk-based capital ratio | 16.6150% | 2,710 |
| Memoranda: | ||
| Average total assets | $313,401,670 | 2,112 |
| Average earning assets | $284,702,000 | 2,143 |
| Average equity | $29,126,330 | 2,428 |
| Average total loans | $175,784,330 | 2,386 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3448% | 5,040 |
| Cost of funding earning assets | 0.1861% | 5,100 |
| Net interest margin | 3.1587% | 4,473 |
| Noninterest income to average assets | 0.7727% | 1,654 |
| Noninterest expense to average assets | 3.0780% | 1,924 |
| Loan and lease loss provision to assets | 0.0192% | 3,325 |
| Net operating income to assets | 0.5459% | 4,400 |
| Return on assets (ROA) | 0.5664% | 4,343 |
| Pretax return on assets | 0.5664% | 4,803 |
| Return on Equity (ROE) | 6.1423% | 3,836 |
| Retained earnings to average equity (ytd only) | 3.5992% | 3,641 |
| Net charge-offs to loans | -0.0023% | 4,020 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4882% | 929 |
| Assets per employee ($millions) | 3.7028% | 4,501 |
| Cash dividends to net income (ytd only)* | 41.4027% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7411% | 5,221 |
| Loan loss allowance to noncurrent loans | 334.1026% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.1277% | 4,750 |
| Noncurrent loans to loans | 0.2218% | 4,311 |
| Net loans and leases to total assets | 55.4474% | 4,211 |
| Net loans and leases to deposits | 65.2619% | 4,229 |
| Net loans and leases to core deposits | 65.8018% | 4,439 |
| Total domestic deposits to total assets | 84.9612% | 3,108 |
| Equity capital to assets | 9.2051% | 4,614 |
| Core capital (leverage) ratio | 8.6112% | 5,146 |
| Tier 1 risk-based capital ratio | 15.5453% | 2,738 |
| Total risk-based capital ratio | 16.3109% | 2,870 |
| Memoranda: | ||
| Average total assets | $312,151,000 | 2,138 |
| Average earning assets | $283,661,500 | 2,172 |
| Average equity | $28,784,000 | 2,456 |
| Average total loans | $175,341,000 | 2,401 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3433% | 5,093 |
| Cost of funding earning assets | 0.2052% | 4,965 |
| Net interest margin | 3.1381% | 4,620 |
| Noninterest income to average assets | 0.8900% | 1,444 |
| Noninterest expense to average assets | 3.0742% | 2,110 |
| Loan and lease loss provision to assets | 0.0195% | 3,987 |
| Net operating income to assets | 0.5856% | 4,268 |
| Return on assets (ROA) | 0.5986% | 4,323 |
| Pretax return on assets | 0.6571% | 4,630 |
| Return on Equity (ROE) | 6.3753% | 3,802 |
| Retained earnings to average equity (ytd only) | 3.8466% | 3,187 |
| Net charge-offs to loans | 0.1289% | 1,952 |
| Credit loss provision to net charge-offs | 27.3973% | 3,614 |
| Earnings coverage of net charge-offs (x) | 9.3105% | 2,764 |
| Efficiency ratio | 82.2757% | 1,174 |
| Assets per employee ($millions) | 3.6853% | 4,500 |
| Cash dividends to net income (ytd only)* | 39.6636% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7354% | 5,285 |
| Loan loss allowance to noncurrent loans | 281.4004% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.1515% | 4,714 |
| Noncurrent loans to loans | 0.2613% | 4,215 |
| Net loans and leases to total assets | 56.0721% | 4,260 |
| Net loans and leases to deposits | 66.4345% | 4,208 |
| Net loans and leases to core deposits | 67.0100% | 4,467 |
| Total domestic deposits to total assets | 84.4022% | 3,270 |
| Equity capital to assets | 9.2376% | 4,528 |
| Core capital (leverage) ratio | 8.5661% | 5,197 |
| Tier 1 risk-based capital ratio | 16.0044% | 2,543 |
| Total risk-based capital ratio | 16.7853% | 2,665 |
| Memoranda: | ||
| Average total assets | $307,881,800 | 2,122 |
| Average earning assets | $279,275,000 | 2,159 |
| Average equity | $28,908,400 | 2,460 |
| Average total loans | $169,838,800 | 2,418 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3195% | 5,186 |
| Cost of funding earning assets | 0.2070% | 4,998 |
| Net interest margin | 3.1125% | 4,742 |
| Noninterest income to average assets | 0.8721% | 1,507 |
| Noninterest expense to average assets | 3.0642% | 2,113 |
| Loan and lease loss provision to assets | 0.0165% | 3,914 |
| Net operating income to assets | 0.5648% | 4,436 |
| Return on assets (ROA) | 0.5824% | 4,475 |
| Pretax return on assets | 0.6344% | 4,783 |
| Return on Equity (ROE) | 6.1774% | 3,986 |
| Retained earnings to average equity (ytd only) | 3.9374% | 3,502 |
| Net charge-offs to loans | 0.0743% | 2,260 |
| Credit loss provision to net charge-offs | 40.4255% | 3,145 |
| Earnings coverage of net charge-offs (x) | 15.5000% | 2,179 |
| Efficiency ratio | 82.9051% | 1,083 |
| Assets per employee ($millions) | 3.7131% | 4,447 |
| Cash dividends to net income (ytd only)* | 36.2623% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7996% | 5,188 |
| Loan loss allowance to noncurrent loans | 195.6338% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.2453% | 4,455 |
| Noncurrent loans to loans | 0.4087% | 3,813 |
| Net loans and leases to total assets | 55.2528% | 4,381 |
| Net loans and leases to deposits | 64.6197% | 4,441 |
| Net loans and leases to core deposits | 65.1021% | 4,664 |
| Total domestic deposits to total assets | 85.5046% | 2,602 |
| Equity capital to assets | 9.4838% | 4,676 |
| Core capital (leverage) ratio | 8.6015% | 5,258 |
| Tier 1 risk-based capital ratio | 16.1139% | 2,580 |
| Total risk-based capital ratio | 16.9713% | 2,679 |
| Memoranda: | ||
| Average total assets | $307,461,750 | 2,128 |
| Average earning assets | $278,950,250 | 2,166 |
| Average equity | $28,986,500 | 2,456 |
| Average total loans | $168,582,500 | 2,430 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3347% | 5,216 |
| Cost of funding earning assets | 0.2087% | 5,060 |
| Net interest margin | 3.1260% | 4,757 |
| Noninterest income to average assets | 0.8517% | 1,539 |
| Noninterest expense to average assets | 3.0597% | 2,175 |
| Loan and lease loss provision to assets | 0.0190% | 3,758 |
| Net operating income to assets | 0.5732% | 4,382 |
| Return on assets (ROA) | 0.5732% | 4,508 |
| Pretax return on assets | 0.6125% | 4,850 |
| Return on Equity (ROE) | 6.0927% | 4,004 |
| Retained earnings to average equity (ytd only) | 3.7862% | 3,482 |
| Net charge-offs to loans | 0.1043% | 1,787 |
| Credit loss provision to net charge-offs | 33.3333% | 2,826 |
| Earnings coverage of net charge-offs (x) | 11.1034% | 2,283 |
| Efficiency ratio | 82.8936% | 1,164 |
| Assets per employee ($millions) | 3.3661% | 4,979 |
| Cash dividends to net income (ytd only)* | 37.8563% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8217% | 5,220 |
| Loan loss allowance to noncurrent loans | 182.2602% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.2824% | 4,364 |
| Noncurrent loans to loans | 0.4508% | 3,754 |
| Net loans and leases to total assets | 54.6544% | 4,445 |
| Net loans and leases to deposits | 64.9825% | 4,423 |
| Net loans and leases to core deposits | 65.2413% | 4,665 |
| Total domestic deposits to total assets | 84.1064% | 3,225 |
| Equity capital to assets | 9.5922% | 4,679 |
| Core capital (leverage) ratio | 8.4766% | 5,382 |
| Tier 1 risk-based capital ratio | 16.3667% | 2,478 |
| Total risk-based capital ratio | 17.2467% | 2,582 |
| Memoranda: | ||
| Average total assets | $305,982,670 | 2,142 |
| Average earning assets | $277,924,000 | 2,183 |
| Average equity | $28,788,670 | 2,470 |
| Average total loans | $166,869,330 | 2,451 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3626% | 5,199 |
| Cost of funding earning assets | 0.2090% | 5,117 |
| Net interest margin | 3.1537% | 4,723 |
| Noninterest income to average assets | 0.8083% | 1,592 |
| Noninterest expense to average assets | 3.0306% | 2,297 |
| Loan and lease loss provision to assets | 0.0262% | 3,329 |
| Net operating income to assets | 0.5742% | 4,292 |
| Return on assets (ROA) | 0.5742% | 4,408 |
| Pretax return on assets | 0.6134% | 4,779 |
| Return on Equity (ROE) | 6.1631% | 3,898 |
| Retained earnings to average equity (ytd only) | 3.7905% | 3,599 |
| Net charge-offs to loans | 0.0096% | 2,800 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 122.2500% | 464 |
| Efficiency ratio | 82.5731% | 1,310 |
| Assets per employee ($millions) | 3.5155% | 4,788 |
| Cash dividends to net income (ytd only)* | 38.4966% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8665% | 5,165 |
| Loan loss allowance to noncurrent loans | 155.7569% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.3856% | 4,044 |
| Noncurrent loans to loans | 0.5563% | 3,518 |
| Net loans and leases to total assets | 54.0297% | 4,451 |
| Net loans and leases to deposits | 62.4645% | 4,548 |
| Net loans and leases to core deposits | 62.8244% | 4,765 |
| Total domestic deposits to total assets | 86.4968% | 2,444 |
| Equity capital to assets | 9.3107% | 4,877 |
| Core capital (leverage) ratio | 8.2871% | 5,581 |
| Tier 1 risk-based capital ratio | 16.0689% | 2,648 |
| Total risk-based capital ratio | 16.9910% | 2,744 |
| Memoranda: | ||
| Average total assets | $305,818,000 | 2,151 |
| Average earning assets | $277,519,500 | 2,196 |
| Average equity | $28,492,000 | 2,481 |
| Average total loans | $165,904,000 | 2,456 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2435% | 5,444 |
| Cost of funding earning assets | 0.2201% | 5,094 |
| Net interest margin | 3.0235% | 5,081 |
| Noninterest income to average assets | 0.8828% | 1,491 |
| Noninterest expense to average assets | 2.9744% | 2,629 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5875% | 4,340 |
| Return on assets (ROA) | 0.5895% | 4,424 |
| Pretax return on assets | 0.6590% | 4,651 |
| Return on Equity (ROE) | 6.4434% | 3,814 |
| Retained earnings to average equity (ytd only) | 3.9426% | 3,235 |
| Net charge-offs to loans | 0.1096% | 2,281 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 11.6140% | 2,551 |
| Efficiency ratio | 81.9159% | 1,423 |
| Assets per employee ($millions) | 3.6418% | 4,575 |
| Cash dividends to net income (ytd only)* | 38.8110% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8854% | 5,133 |
| Loan loss allowance to noncurrent loans | 157.5791% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.3877% | 4,043 |
| Noncurrent loans to loans | 0.5619% | 3,488 |
| Net loans and leases to total assets | 53.5126% | 4,542 |
| Net loans and leases to deposits | 62.0806% | 4,631 |
| Net loans and leases to core deposits | 62.5083% | 4,845 |
| Total domestic deposits to total assets | 86.1986% | 2,541 |
| Equity capital to assets | 9.3227% | 4,763 |
| Core capital (leverage) ratio | 8.4203% | 5,505 |
| Tier 1 risk-based capital ratio | 16.4514% | 2,506 |
| Total risk-based capital ratio | 17.3897% | 2,581 |
| Memoranda: | ||
| Average total assets | $302,450,400 | 2,136 |
| Average earning assets | $274,915,000 | 2,169 |
| Average equity | $27,671,800 | 2,490 |
| Average total loans | $155,984,000 | 2,517 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2217% | 5,557 |
| Cost of funding earning assets | 0.2253% | 5,130 |
| Net interest margin | 2.9964% | 5,198 |
| Noninterest income to average assets | 0.8798% | 1,511 |
| Noninterest expense to average assets | 2.9584% | 2,644 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5795% | 4,475 |
| Return on assets (ROA) | 0.5823% | 4,563 |
| Pretax return on assets | 0.6506% | 4,827 |
| Return on Equity (ROE) | 6.3943% | 3,961 |
| Retained earnings to average equity (ytd only) | 4.0031% | 3,617 |
| Net charge-offs to loans | 0.1038% | 2,096 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 12.2414% | 2,422 |
| Efficiency ratio | 82.0438% | 1,392 |
| Assets per employee ($millions) | 3.6089% | 4,591 |
| Cash dividends to net income (ytd only)* | 37.3959% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9541% | 4,962 |
| Loan loss allowance to noncurrent loans | 237.6190% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.3185% | 4,490 |
| Noncurrent loans to loans | 0.4015% | 4,176 |
| Net loans and leases to total assets | 51.8812% | 4,770 |
| Net loans and leases to deposits | 59.9315% | 4,864 |
| Net loans and leases to core deposits | 60.2868% | 5,046 |
| Total domestic deposits to total assets | 86.5676% | 2,247 |
| Equity capital to assets | 9.3421% | 4,949 |
| Core capital (leverage) ratio | 8.3147% | 5,705 |
| Tier 1 risk-based capital ratio | 17.0132% | 2,375 |
| Total risk-based capital ratio | 18.0291% | 2,408 |
| Memoranda: | ||
| Average total assets | $302,494,750 | 2,149 |
| Average earning assets | $275,210,500 | 2,180 |
| Average equity | $27,544,750 | 2,512 |
| Average total loans | $154,180,250 | 2,554 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2037% | 5,619 |
| Cost of funding earning assets | 0.2255% | 5,189 |
| Net interest margin | 2.9782% | 5,275 |
| Noninterest income to average assets | 0.8640% | 1,558 |
| Noninterest expense to average assets | 2.9254% | 2,799 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5799% | 4,428 |
| Return on assets (ROA) | 0.5793% | 4,531 |
| Pretax return on assets | 0.6452% | 4,838 |
| Return on Equity (ROE) | 6.4164% | 3,919 |
| Retained earnings to average equity (ytd only) | 4.1462% | 3,387 |
| Net charge-offs to loans | 0.1435% | 1,635 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 8.9091% | 2,515 |
| Efficiency ratio | 81.9155% | 1,501 |
| Assets per employee ($millions) | 3.2947% | 5,178 |
| Cash dividends to net income (ytd only)* | 35.3811% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9806% | 4,965 |
| Loan loss allowance to noncurrent loans | 433.0460% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.2672% | 4,798 |
| Noncurrent loans to loans | 0.2264% | 4,865 |
| Net loans and leases to total assets | 50.7581% | 4,865 |
| Net loans and leases to deposits | 60.6103% | 4,800 |
| Net loans and leases to core deposits | 60.9802% | 5,010 |
| Total domestic deposits to total assets | 83.7450% | 3,673 |
| Equity capital to assets | 9.1856% | 5,036 |
| Core capital (leverage) ratio | 8.2090% | 5,784 |
| Tier 1 risk-based capital ratio | 16.7945% | 2,488 |
| Total risk-based capital ratio | 17.8145% | 2,533 |
| Memoranda: | ||
| Average total assets | $303,481,000 | 2,162 |
| Average earning assets | $275,867,670 | 2,191 |
| Average equity | $27,398,670 | 2,526 |
| Average total loans | $153,273,670 | 2,576 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1673% | 5,701 |
| Cost of funding earning assets | 0.2192% | 5,325 |
| Net interest margin | 2.9480% | 5,347 |
| Noninterest income to average assets | 0.8621% | 1,522 |
| Noninterest expense to average assets | 2.8823% | 2,963 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5789% | 4,364 |
| Return on assets (ROA) | 0.5778% | 4,476 |
| Pretax return on assets | 0.6564% | 4,736 |
| Return on Equity (ROE) | 6.4549% | 3,796 |
| Retained earnings to average equity (ytd only) | 4.0837% | 3,553 |
| Net charge-offs to loans | 0.3005% | 787 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 4.3652% | 2,507 |
| Efficiency ratio | 81.4212% | 1,700 |
| Assets per employee ($millions) | 3.7349% | 4,453 |
| Cash dividends to net income (ytd only)* | 36.7347% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9866% | 5,101 |
| Loan loss allowance to noncurrent loans | 600.8000% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.2295% | 5,017 |
| Noncurrent loans to loans | 0.1642% | 5,182 |
| Net loans and leases to total assets | 49.2199% | 4,920 |
| Net loans and leases to deposits | 58.0044% | 4,915 |
| Net loans and leases to core deposits | 58.3540% | 5,096 |
| Total domestic deposits to total assets | 84.8556% | 3,478 |
| Equity capital to assets | 8.9950% | 5,297 |
| Core capital (leverage) ratio | 8.5208% | 5,502 |
| Tier 1 risk-based capital ratio | 17.4876% | 2,304 |
| Total risk-based capital ratio | 18.5133% | 2,346 |
| Memoranda: | ||
| Average total assets | $305,313,500 | 2,165 |
| Average earning assets | $277,338,000 | 2,193 |
| Average equity | $27,328,000 | 2,552 |
| Average total loans | $153,066,500 | 2,581 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2848% | 5,722 |
| Cost of funding earning assets | 0.2245% | 5,563 |
| Net interest margin | 3.0603% | 5,296 |
| Noninterest income to average assets | 0.8923% | 1,523 |
| Noninterest expense to average assets | 3.0566% | 2,663 |
| Loan and lease loss provision to assets | -0.0465% | 6,021 |
| Net operating income to assets | 0.5624% | 4,544 |
| Return on assets (ROA) | 0.5490% | 4,691 |
| Pretax return on assets | 0.6330% | 4,826 |
| Return on Equity (ROE) | 5.9911% | 4,155 |
| Retained earnings to average equity (ytd only) | 3.5626% | 3,693 |
| Net charge-offs to loans | 0.0201% | 4,443 |
| Credit loss provision to net charge-offs | -443.3333% | 5,767 |
| Earnings coverage of net charge-offs (x) | 57.3333% | 821 |
| Efficiency ratio | 83.5485% | 1,467 |
| Assets per employee ($millions) | 3.5808% | 4,757 |
| Cash dividends to net income (ytd only)* | 40.5354% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 4,809 |
| Loan loss allowance to noncurrent loans | 641.6667% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.2231% | 5,134 |
| Noncurrent loans to loans | 0.1638% | 5,241 |
| Net loans and leases to total assets | 50.0294% | 4,975 |
| Net loans and leases to deposits | 58.9992% | 4,983 |
| Net loans and leases to core deposits | 59.2414% | 5,190 |
| Total domestic deposits to total assets | 84.7967% | 3,372 |
| Equity capital to assets | 8.9063% | 5,372 |
| Core capital (leverage) ratio | 8.3628% | 5,709 |
| Tier 1 risk-based capital ratio | 17.1610% | 2,449 |
| Total risk-based capital ratio | 18.2747% | 2,455 |
| Memoranda: | ||
| Average total assets | $285,773,400 | 2,237 |
| Average earning assets | $258,307,200 | 2,286 |
| Average equity | $26,189,000 | 2,556 |
| Average total loans | $149,379,000 | 2,578 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2907% | 5,786 |
| Cost of funding earning assets | 0.2246% | 5,633 |
| Net interest margin | 3.0661% | 5,346 |
| Noninterest income to average assets | 0.8950% | 1,540 |
| Noninterest expense to average assets | 3.0866% | 2,506 |
| Loan and lease loss provision to assets | -0.0209% | 6,110 |
| Net operating income to assets | 0.5312% | 4,755 |
| Return on assets (ROA) | 0.5103% | 4,903 |
| Pretax return on assets | 0.5767% | 5,099 |
| Return on Equity (ROE) | 5.5265% | 4,476 |
| Retained earnings to average equity (ytd only) | 3.3077% | 4,266 |
| Net charge-offs to loans | 0.0270% | 3,959 |
| Credit loss provision to net charge-offs | -146.6667% | 5,504 |
| Earnings coverage of net charge-offs (x) | 40.7323% | 1,119 |
| Efficiency ratio | 84.1915% | 1,367 |
| Assets per employee ($millions) | 3.4995% | 4,860 |
| Cash dividends to net income (ytd only)* | 40.1490% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 4,634 |
| Loan loss allowance to noncurrent loans | 356.9038% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.3167% | 5,007 |
| Noncurrent loans to loans | 0.3154% | 4,962 |
| Net loans and leases to total assets | 50.9811% | 4,897 |
| Net loans and leases to deposits | 58.1593% | 5,092 |
| Net loans and leases to core deposits | 58.3982% | 5,307 |
| Total domestic deposits to total assets | 87.6577% | 1,947 |
| Equity capital to assets | 9.0697% | 5,278 |
| Core capital (leverage) ratio | 8.5401% | 5,609 |
| Tier 1 risk-based capital ratio | 17.0018% | 2,623 |
| Total risk-based capital ratio | 18.1869% | 2,590 |
| Memoranda: | ||
| Average total assets | $281,124,500 | 2,282 |
| Average earning assets | $254,081,500 | 2,329 |
| Average equity | $25,959,250 | 2,576 |
| Average total loans | $148,251,000 | 2,607 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2868% | 5,816 |
| Cost of funding earning assets | 0.2283% | 5,675 |
| Net interest margin | 3.0586% | 5,375 |
| Noninterest income to average assets | 0.8893% | 1,527 |
| Noninterest expense to average assets | 3.1086% | 2,459 |
| Loan and lease loss provision to assets | -0.0267% | 6,257 |
| Net operating income to assets | 0.5014% | 4,803 |
| Return on assets (ROA) | 0.5014% | 4,887 |
| Pretax return on assets | 0.5664% | 5,068 |
| Return on Equity (ROE) | 5.3955% | 4,481 |
| Retained earnings to average equity (ytd only) | 3.1409% | 4,207 |
| Net charge-offs to loans | 0.0353% | 3,503 |
| Credit loss provision to net charge-offs | -142.3077% | 5,329 |
| Earnings coverage of net charge-offs (x) | 28.7308% | 1,296 |
| Efficiency ratio | 85.2079% | 1,358 |
| Assets per employee ($millions) | 3.1118% | 5,577 |
| Cash dividends to net income (ytd only)* | 41.7867% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 4,617 |
| Loan loss allowance to noncurrent loans | 545.0794% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.2956% | 5,182 |
| Noncurrent loans to loans | 0.2129% | 5,377 |
| Net loans and leases to total assets | 51.6485% | 4,781 |
| Net loans and leases to deposits | 63.9179% | 4,514 |
| Net loans and leases to core deposits | 64.1421% | 4,813 |
| Total domestic deposits to total assets | 80.8044% | 5,041 |
| Equity capital to assets | 9.2438% | 5,046 |
| Core capital (leverage) ratio | 8.7537% | 5,334 |
| Tier 1 risk-based capital ratio | 17.1314% | 2,567 |
| Total risk-based capital ratio | 18.3501% | 2,541 |
| Memoranda: | ||
| Average total assets | $276,847,330 | 2,321 |
| Average earning assets | $249,723,670 | 2,360 |
| Average equity | $25,725,330 | 2,591 |
| Average total loans | $147,145,330 | 2,625 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2831% | 5,874 |
| Cost of funding earning assets | 0.2274% | 5,775 |
| Net interest margin | 3.0557% | 5,373 |
| Noninterest income to average assets | 0.8477% | 1,575 |
| Noninterest expense to average assets | 3.0561% | 2,674 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4823% | 4,775 |
| Return on assets (ROA) | 0.4823% | 4,848 |
| Pretax return on assets | 0.5408% | 5,044 |
| Return on Equity (ROE) | 5.1765% | 4,454 |
| Retained earnings to average equity (ytd only) | 2.8392% | 4,389 |
| Net charge-offs to loans | 0.0682% | 2,469 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 14.8000% | 1,583 |
| Efficiency ratio | 84.9655% | 1,551 |
| Assets per employee ($millions) | 3.2558% | 5,432 |
| Cash dividends to net income (ytd only)* | 45.1515% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1897% | 4,684 |
| Loan loss allowance to noncurrent loans | 495.7627% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.2793% | 5,326 |
| Noncurrent loans to loans | 0.2400% | 5,387 |
| Net loans and leases to total assets | 52.6712% | 4,583 |
| Net loans and leases to deposits | 60.6359% | 4,695 |
| Net loans and leases to core deposits | 60.7744% | 4,972 |
| Total domestic deposits to total assets | 86.8648% | 2,898 |
| Equity capital to assets | 9.2905% | 4,767 |
| Core capital (leverage) ratio | 8.7689% | 5,299 |
| Tier 1 risk-based capital ratio | 17.4389% | 2,491 |
| Total risk-based capital ratio | 18.6891% | 2,469 |
| Memoranda: | ||
| Average total assets | $273,684,000 | 2,353 |
| Average earning assets | $246,230,000 | 2,387 |
| Average equity | $25,500,000 | 2,596 |
| Average total loans | $146,732,000 | 2,630 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3128% | 5,986 |
| Cost of funding earning assets | 0.2778% | 5,777 |
| Net interest margin | 3.0350% | 5,496 |
| Noninterest income to average assets | 0.9365% | 1,559 |
| Noninterest expense to average assets | 3.1701% | 2,513 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4172% | 5,092 |
| Return on assets (ROA) | 0.4208% | 5,183 |
| Pretax return on assets | 0.4849% | 5,242 |
| Return on Equity (ROE) | 4.4420% | 4,914 |
| Retained earnings to average equity (ytd only) | 2.8300% | 4,229 |
| Net charge-offs to loans | 0.0862% | 4,006 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 10.6250% | 2,339 |
| Efficiency ratio | 86.8326% | 1,329 |
| Assets per employee ($millions) | 3.1106% | 5,652 |
| Cash dividends to net income (ytd only)* | 36.2903% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 4,540 |
| Loan loss allowance to noncurrent loans | 454.0816% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.2845% | 5,402 |
| Noncurrent loans to loans | 0.2686% | 5,376 |
| Net loans and leases to total assets | 53.2712% | 4,687 |
| Net loans and leases to deposits | 61.1961% | 4,810 |
| Net loans and leases to core deposits | 61.4869% | 5,107 |
| Total domestic deposits to total assets | 87.0499% | 2,699 |
| Equity capital to assets | 9.3447% | 4,628 |
| Core capital (leverage) ratio | 8.8598% | 5,200 |
| Tier 1 risk-based capital ratio | 17.3972% | 2,455 |
| Total risk-based capital ratio | 18.6482% | 2,428 |
| Memoranda: | ||
| Average total assets | $265,229,000 | 2,391 |
| Average earning assets | $237,198,200 | 2,447 |
| Average equity | $25,123,600 | 2,617 |
| Average total loans | $139,250,800 | 2,716 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2822% | 6,087 |
| Cost of funding earning assets | 0.2876% | 5,833 |
| Net interest margin | 2.9946% | 5,608 |
| Noninterest income to average assets | 0.9262% | 1,672 |
| Noninterest expense to average assets | 3.1337% | 2,555 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4349% | 5,093 |
| Return on assets (ROA) | 0.4396% | 5,217 |
| Pretax return on assets | 0.4749% | 5,435 |
| Return on Equity (ROE) | 4.6247% | 4,916 |
| Retained earnings to average equity (ytd only) | 2.4665% | 4,850 |
| Net charge-offs to loans | 0.0611% | 4,032 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 14.7615% | 1,916 |
| Efficiency ratio | 86.9602% | 1,263 |
| Assets per employee ($millions) | 3.0668% | 5,741 |
| Cash dividends to net income (ytd only)* | 46.6667% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2948% | 4,421 |
| Loan loss allowance to noncurrent loans | 406.4159% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.2924% | 5,556 |
| Noncurrent loans to loans | 0.3186% | 5,428 |
| Net loans and leases to total assets | 51.3048% | 4,964 |
| Net loans and leases to deposits | 59.2115% | 5,069 |
| Net loans and leases to core deposits | 59.5638% | 5,333 |
| Total domestic deposits to total assets | 86.6468% | 2,888 |
| Equity capital to assets | 9.1498% | 4,992 |
| Core capital (leverage) ratio | 8.8266% | 5,367 |
| Tier 1 risk-based capital ratio | 17.2737% | 2,596 |
| Total risk-based capital ratio | 18.5253% | 2,562 |
| Memoranda: | ||
| Average total assets | $263,880,500 | 2,420 |
| Average earning assets | $235,933,250 | 2,476 |
| Average equity | $25,082,250 | 2,647 |
| Average total loans | $137,577,500 | 2,748 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3080% | 6,076 |
| Cost of funding earning assets | 0.2927% | 5,883 |
| Net interest margin | 3.0152% | 5,536 |
| Noninterest income to average assets | 0.9200% | 1,745 |
| Noninterest expense to average assets | 3.1289% | 2,579 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4422% | 5,053 |
| Return on assets (ROA) | 0.4493% | 5,184 |
| Pretax return on assets | 0.4838% | 5,421 |
| Return on Equity (ROE) | 4.6659% | 4,915 |
| Retained earnings to average equity (ytd only) | 2.5161% | 4,694 |
| Net charge-offs to loans | 0.1028% | 3,332 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 8.8714% | 2,358 |
| Efficiency ratio | 86.7929% | 1,335 |
| Assets per employee ($millions) | 2.7752% | 6,190 |
| Cash dividends to net income (ytd only)* | 46.0751% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3339% | 4,344 |
| Loan loss allowance to noncurrent loans | 323.8938% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.4048% | 5,263 |
| Noncurrent loans to loans | 0.4118% | 5,229 |
| Net loans and leases to total assets | 51.8889% | 4,878 |
| Net loans and leases to deposits | 60.3283% | 4,939 |
| Net loans and leases to core deposits | 60.7068% | 5,204 |
| Total domestic deposits to total assets | 86.0109% | 3,360 |
| Equity capital to assets | 9.6348% | 4,406 |
| Core capital (leverage) ratio | 8.9322% | 5,099 |
| Tier 1 risk-based capital ratio | 18.1977% | 2,248 |
| Total risk-based capital ratio | 19.4498% | 2,206 |
| Memoranda: | ||
| Average total assets | $260,859,000 | 2,454 |
| Average earning assets | $232,286,000 | 2,514 |
| Average equity | $25,118,330 | 2,657 |
| Average total loans | $136,146,330 | 2,773 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3690% | 6,005 |
| Cost of funding earning assets | 0.3019% | 5,954 |
| Net interest margin | 3.0672% | 5,378 |
| Noninterest income to average assets | 0.8664% | 1,880 |
| Noninterest expense to average assets | 3.0960% | 2,690 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4432% | 4,941 |
| Return on assets (ROA) | 0.4432% | 5,103 |
| Pretax return on assets | 0.4968% | 5,269 |
| Return on Equity (ROE) | 4.6037% | 4,788 |
| Retained earnings to average equity (ytd only) | 2.4532% | 4,800 |
| Net charge-offs to loans | 0.0472% | 3,372 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 20.2500% | 1,194 |
| Efficiency ratio | 86.1716% | 1,493 |
| Assets per employee ($millions) | 3.0222% | 5,948 |
| Cash dividends to net income (ytd only)* | 46.7128% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3761% | 4,351 |
| Loan loss allowance to noncurrent loans | 367.9688% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.3526% | 5,534 |
| Noncurrent loans to loans | 0.3740% | 5,470 |
| Net loans and leases to total assets | 51.3545% | 4,786 |
| Net loans and leases to deposits | 59.5843% | 4,847 |
| Net loans and leases to core deposits | 59.9539% | 5,153 |
| Total domestic deposits to total assets | 86.1880% | 3,425 |
| Equity capital to assets | 9.5702% | 4,755 |
| Core capital (leverage) ratio | 8.9368% | 4,990 |
| Tier 1 risk-based capital ratio | 18.4161% | 2,222 |
| Total risk-based capital ratio | 19.6690% | 2,191 |
| Memoranda: | ||
| Average total assets | $260,855,000 | 2,482 |
| Average earning assets | $231,876,000 | 2,556 |
| Average equity | $25,110,500 | 2,695 |
| Average total loans | $135,624,000 | 2,794 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6612% | 6,117 |
| Cost of funding earning assets | 0.4010% | 5,915 |
| Net interest margin | 3.2602% | 5,393 |
| Noninterest income to average assets | 1.1072% | 1,262 |
| Noninterest expense to average assets | 3.2283% | 2,520 |
| Loan and lease loss provision to assets | 0.1511% | 3,724 |
| Net operating income to assets | 0.5347% | 4,547 |
| Return on assets (ROA) | 0.5347% | 4,811 |
| Pretax return on assets | 0.6291% | 4,899 |
| Return on Equity (ROE) | 5.5117% | 4,422 |
| Retained earnings to average equity (ytd only) | 2.9607% | 4,144 |
| Net charge-offs to loans | 0.6846% | 1,727 |
| Credit loss provision to net charge-offs | 41.5584% | 4,908 |
| Earnings coverage of net charge-offs (x) | 2.1461% | 4,338 |
| Efficiency ratio | 80.5359% | 2,080 |
| Assets per employee ($millions) | 3.0445% | 5,945 |
| Cash dividends to net income (ytd only)* | 46.2840% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4144% | 4,102 |
| Loan loss allowance to noncurrent loans | 235.7320% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.4850% | 5,256 |
| Noncurrent loans to loans | 0.6000% | 5,023 |
| Net loans and leases to total assets | 51.1776% | 5,013 |
| Net loans and leases to deposits | 59.4875% | 5,075 |
| Net loans and leases to core deposits | 59.8859% | 5,369 |
| Total domestic deposits to total assets | 86.0309% | 3,349 |
| Equity capital to assets | 9.6832% | 4,615 |
| Core capital (leverage) ratio | 9.0632% | 4,800 |
| Tier 1 risk-based capital ratio | 18.4163% | 2,131 |
| Total risk-based capital ratio | 19.6697% | 2,095 |
| Memoranda: | ||
| Average total assets | $254,158,800 | 2,495 |
| Average earning assets | $226,185,400 | 2,552 |
| Average equity | $24,656,600 | 2,694 |
| Average total loans | $134,971,800 | 2,791 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7083% | 6,206 |
| Cost of funding earning assets | 0.4160% | 6,017 |
| Net interest margin | 3.2922% | 5,416 |
| Noninterest income to average assets | 1.0382% | 1,403 |
| Noninterest expense to average assets | 3.0802% | 2,946 |
| Loan and lease loss provision to assets | 0.1528% | 3,619 |
| Net operating income to assets | 0.6145% | 4,329 |
| Return on assets (ROA) | 0.6145% | 4,585 |
| Pretax return on assets | 0.7409% | 4,705 |
| Return on Equity (ROE) | 6.3309% | 4,153 |
| Retained earnings to average equity (ytd only) | 3.6867% | 4,292 |
| Net charge-offs to loans | 0.6157% | 1,789 |
| Credit loss provision to net charge-offs | 46.4744% | 4,483 |
| Earnings coverage of net charge-offs (x) | 2.7179% | 3,947 |
| Efficiency ratio | 77.5096% | 2,455 |
| Assets per employee ($millions) | 3.1737% | 5,686 |
| Cash dividends to net income (ytd only)* | 41.7669% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5644% | 3,677 |
| Loan loss allowance to noncurrent loans | 158.7792% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.6703% | 5,005 |
| Noncurrent loans to loans | 0.9853% | 4,473 |
| Net loans and leases to total assets | 51.5716% | 5,107 |
| Net loans and leases to deposits | 60.6793% | 5,127 |
| Net loans and leases to core deposits | 61.0229% | 5,451 |
| Total domestic deposits to total assets | 84.9904% | 3,745 |
| Equity capital to assets | 9.7114% | 4,910 |
| Core capital (leverage) ratio | 9.2272% | 4,711 |
| Tier 1 risk-based capital ratio | 18.3803% | 2,206 |
| Total risk-based capital ratio | 19.6354% | 2,177 |
| Memoranda: | ||
| Average total assets | $253,003,750 | 2,526 |
| Average earning assets | $225,616,500 | 2,582 |
| Average equity | $24,556,250 | 2,730 |
| Average total loans | $135,130,500 | 2,823 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7469% | 6,260 |
| Cost of funding earning assets | 0.4301% | 6,097 |
| Net interest margin | 3.3168% | 5,404 |
| Noninterest income to average assets | 0.9839% | 1,504 |
| Noninterest expense to average assets | 3.0487% | 3,091 |
| Loan and lease loss provision to assets | 0.1470% | 3,676 |
| Net operating income to assets | 0.6151% | 4,312 |
| Return on assets (ROA) | 0.6151% | 4,558 |
| Pretax return on assets | 0.7423% | 4,695 |
| Return on Equity (ROE) | 6.3391% | 4,139 |
| Retained earnings to average equity (ytd only) | 3.4562% | 4,301 |
| Net charge-offs to loans | 0.5840% | 1,859 |
| Credit loss provision to net charge-offs | 46.8354% | 4,107 |
| Earnings coverage of net charge-offs (x) | 2.8329% | 3,609 |
| Efficiency ratio | 77.4168% | 2,538 |
| Assets per employee ($millions) | 2.8586% | 6,303 |
| Cash dividends to net income (ytd only)* | 45.4780% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6597% | 3,391 |
| Loan loss allowance to noncurrent loans | 122.5948% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.9213% | 4,530 |
| Noncurrent loans to loans | 1.3538% | 3,895 |
| Net loans and leases to total assets | 53.7468% | 4,849 |
| Net loans and leases to deposits | 63.7453% | 4,799 |
| Net loans and leases to core deposits | 64.1258% | 5,200 |
| Total domestic deposits to total assets | 84.3149% | 4,185 |
| Equity capital to assets | 10.0363% | 4,277 |
| Core capital (leverage) ratio | 9.1045% | 4,758 |
| Tier 1 risk-based capital ratio | 18.1994% | 2,226 |
| Total risk-based capital ratio | 19.4564% | 2,197 |
| Memoranda: | ||
| Average total assets | $251,649,000 | 2,532 |
| Average earning assets | $224,130,670 | 2,597 |
| Average equity | $24,420,000 | 2,727 |
| Average total loans | $135,280,330 | 2,832 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7524% | 6,344 |
| Cost of funding earning assets | 0.4391% | 6,211 |
| Net interest margin | 3.3133% | 5,425 |
| Noninterest income to average assets | 0.9255% | 1,647 |
| Noninterest expense to average assets | 2.9872% | 3,300 |
| Loan and lease loss provision to assets | 0.1257% | 3,776 |
| Net operating income to assets | 0.6317% | 4,212 |
| Return on assets (ROA) | 0.6317% | 4,421 |
| Pretax return on assets | 0.7653% | 4,546 |
| Return on Equity (ROE) | 6.6191% | 3,978 |
| Retained earnings to average equity (ytd only) | 3.2931% | 4,592 |
| Net charge-offs to loans | -0.0413% | 6,462 |
| Credit loss provision to net charge-offs | -571.4286% | 5,805 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0259% | 2,645 |
| Assets per employee ($millions) | 3.1038% | 5,952 |
| Cash dividends to net income (ytd only)* | 50.2488% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8539% | 2,832 |
| Loan loss allowance to noncurrent loans | 190.2402% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.6902% | 5,172 |
| Noncurrent loans to loans | 0.9745% | 4,731 |
| Net loans and leases to total assets | 52.0754% | 5,017 |
| Net loans and leases to deposits | 61.0944% | 5,032 |
| Net loans and leases to core deposits | 61.4383% | 5,386 |
| Total domestic deposits to total assets | 85.2375% | 3,917 |
| Equity capital to assets | 9.4657% | 4,860 |
| Core capital (leverage) ratio | 8.8993% | 4,996 |
| Tier 1 risk-based capital ratio | 17.9085% | 2,332 |
| Total risk-based capital ratio | 19.1683% | 2,296 |
| Memoranda: | ||
| Average total assets | $254,554,500 | 2,523 |
| Average earning assets | $226,842,000 | 2,575 |
| Average equity | $24,293,500 | 2,739 |
| Average total loans | $135,740,500 | 2,840 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0646% | 6,329 |
| Cost of funding earning assets | 0.6524% | 5,812 |
| Net interest margin | 3.4122% | 5,445 |
| Noninterest income to average assets | 0.9508% | 1,506 |
| Noninterest expense to average assets | 3.1509% | 3,023 |
| Loan and lease loss provision to assets | 0.2383% | 3,825 |
| Net operating income to assets | 0.5189% | 4,347 |
| Return on assets (ROA) | 0.5189% | 4,556 |
| Pretax return on assets | 0.6001% | 4,695 |
| Return on Equity (ROE) | 5.3576% | 4,221 |
| Retained earnings to average equity (ytd only) | 2.3518% | 4,550 |
| Net charge-offs to loans | 0.5406% | 2,851 |
| Credit loss provision to net charge-offs | 78.5810% | 4,517 |
| Earnings coverage of net charge-offs (x) | 2.7644% | 3,840 |
| Efficiency ratio | 78.9843% | 2,452 |
| Assets per employee ($millions) | 3.0670% | 5,958 |
| Cash dividends to net income (ytd only)* | 56.1033% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8102% | 2,835 |
| Loan loss allowance to noncurrent loans | 196.2993% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.6517% | 5,354 |
| Noncurrent loans to loans | 0.9221% | 4,848 |
| Net loans and leases to total assets | 52.6267% | 5,211 |
| Net loans and leases to deposits | 61.8884% | 5,257 |
| Net loans and leases to core deposits | 62.3758% | 5,614 |
| Total domestic deposits to total assets | 85.0348% | 3,825 |
| Equity capital to assets | 9.6232% | 4,713 |
| Core capital (leverage) ratio | 8.9690% | 4,836 |
| Tier 1 risk-based capital ratio | 18.0671% | 2,170 |
| Total risk-based capital ratio | 19.3265% | 2,145 |
| Memoranda: | ||
| Average total assets | $246,308,400 | 2,566 |
| Average earning assets | $219,333,400 | 2,619 |
| Average equity | $23,853,800 | 2,683 |
| Average total loans | $138,169,000 | 2,830 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1124% | 6,387 |
| Cost of funding earning assets | 0.6920% | 5,819 |
| Net interest margin | 3.4204% | 5,505 |
| Noninterest income to average assets | 0.9507% | 1,484 |
| Noninterest expense to average assets | 3.1747% | 2,905 |
| Loan and lease loss provision to assets | 0.2318% | 3,696 |
| Net operating income to assets | 0.5099% | 4,507 |
| Return on assets (ROA) | 0.5099% | 4,694 |
| Pretax return on assets | 0.5915% | 4,837 |
| Return on Equity (ROE) | 5.2565% | 4,421 |
| Retained earnings to average equity (ytd only) | 2.1767% | 5,035 |
| Net charge-offs to loans | 0.4709% | 2,852 |
| Credit loss provision to net charge-offs | 86.7617% | 3,896 |
| Earnings coverage of net charge-offs (x) | 3.0815% | 3,595 |
| Efficiency ratio | 79.4066% | 2,347 |
| Assets per employee ($millions) | 3.0418% | 6,024 |
| Cash dividends to net income (ytd only)* | 58.5912% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8179% | 2,875 |
| Loan loss allowance to noncurrent loans | 452.0499% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.4068% | 6,063 |
| Noncurrent loans to loans | 0.4021% | 6,047 |
| Net loans and leases to total assets | 54.2500% | 5,133 |
| Net loans and leases to deposits | 63.8600% | 5,184 |
| Net loans and leases to core deposits | 64.7304% | 5,544 |
| Total domestic deposits to total assets | 84.9515% | 3,784 |
| Equity capital to assets | 9.5275% | 5,037 |
| Core capital (leverage) ratio | 9.2417% | 4,554 |
| Tier 1 risk-based capital ratio | 17.4240% | 2,478 |
| Total risk-based capital ratio | 18.6828% | 2,444 |
| Memoranda: | ||
| Average total assets | $245,011,500 | 2,587 |
| Average earning assets | $218,293,500 | 2,650 |
| Average equity | $23,766,750 | 2,698 |
| Average total loans | $139,012,750 | 2,832 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1443% | 6,396 |
| Cost of funding earning assets | 0.7189% | 5,841 |
| Net interest margin | 3.4254% | 5,462 |
| Noninterest income to average assets | 0.9492% | 1,469 |
| Noninterest expense to average assets | 3.1922% | 2,932 |
| Loan and lease loss provision to assets | 0.2152% | 3,766 |
| Net operating income to assets | 0.5129% | 4,444 |
| Return on assets (ROA) | 0.5129% | 4,584 |
| Pretax return on assets | 0.5872% | 4,780 |
| Return on Equity (ROE) | 5.2554% | 4,332 |
| Retained earnings to average equity (ytd only) | 2.2221% | 4,879 |
| Net charge-offs to loans | 0.6957% | 2,112 |
| Credit loss provision to net charge-offs | 54.0373% | 4,487 |
| Earnings coverage of net charge-offs (x) | 2.0145% | 3,859 |
| Efficiency ratio | 79.9133% | 2,400 |
| Assets per employee ($millions) | 2.8725% | 6,347 |
| Cash dividends to net income (ytd only)* | 57.7170% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7450% | 3,172 |
| Loan loss allowance to noncurrent loans | 240.5460% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.6541% | 5,595 |
| Noncurrent loans to loans | 0.7254% | 5,464 |
| Net loans and leases to total assets | 54.8630% | 5,170 |
| Net loans and leases to deposits | 64.8281% | 5,173 |
| Net loans and leases to core deposits | 65.8877% | 5,530 |
| Total domestic deposits to total assets | 84.6285% | 4,060 |
| Equity capital to assets | 9.7985% | 4,390 |
| Core capital (leverage) ratio | 9.2715% | 4,290 |
| Tier 1 risk-based capital ratio | 17.4870% | 2,345 |
| Total risk-based capital ratio | 18.7447% | 2,310 |
| Memoranda: | ||
| Average total assets | $242,525,330 | 2,628 |
| Average earning assets | $215,622,000 | 2,698 |
| Average equity | $23,671,000 | 2,682 |
| Average total loans | $138,850,000 | 2,870 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1386% | 6,419 |
| Cost of funding earning assets | 0.7309% | 5,976 |
| Net interest margin | 3.4077% | 5,400 |
| Noninterest income to average assets | 0.9946% | 1,346 |
| Noninterest expense to average assets | 3.1923% | 2,921 |
| Loan and lease loss provision to assets | 0.2499% | 3,158 |
| Net operating income to assets | 0.5180% | 4,412 |
| Return on assets (ROA) | 0.5180% | 4,498 |
| Pretax return on assets | 0.5924% | 4,713 |
| Return on Equity (ROE) | 5.3176% | 4,229 |
| Retained earnings to average equity (ytd only) | 2.9051% | 4,417 |
| Net charge-offs to loans | 1.1534% | 1,201 |
| Credit loss provision to net charge-offs | 37.3762% | 3,996 |
| Earnings coverage of net charge-offs (x) | 1.2599% | 3,727 |
| Efficiency ratio | 79.1222% | 2,677 |
| Assets per employee ($millions) | 2.8829% | 6,391 |
| Cash dividends to net income (ytd only)* | 45.3674% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6959% | 3,350 |
| Loan loss allowance to noncurrent loans | 349.7765% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.5294% | 5,911 |
| Noncurrent loans to loans | 0.4849% | 6,046 |
| Net loans and leases to total assets | 56.1800% | 4,966 |
| Net loans and leases to deposits | 66.2921% | 4,932 |
| Net loans and leases to core deposits | 67.6277% | 5,338 |
| Total domestic deposits to total assets | 84.7461% | 4,150 |
| Equity capital to assets | 9.7654% | 4,080 |
| Core capital (leverage) ratio | 9.1638% | 4,351 |
| Tier 1 risk-based capital ratio | 17.2672% | 2,384 |
| Total risk-based capital ratio | 18.5247% | 2,359 |
| Memoranda: | ||
| Average total assets | $241,708,500 | 2,648 |
| Average earning assets | $215,631,000 | 2,713 |
| Average equity | $23,544,500 | 2,686 |
| Average total loans | $140,109,000 | 2,885 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5636% | 6,205 |
| Cost of funding earning assets | 0.9834% | 5,767 |
| Net interest margin | 3.5802% | 4,912 |
| Noninterest income to average assets | 0.8903% | 1,885 |
| Noninterest expense to average assets | 3.2715% | 2,826 |
| Loan and lease loss provision to assets | 0.4112% | 3,639 |
| Net operating income to assets | 0.3496% | 4,740 |
| Return on assets (ROA) | 0.5189% | 4,163 |
| Pretax return on assets | 0.5692% | 4,424 |
| Return on Equity (ROE) | 5.3314% | 3,937 |
| Retained earnings to average equity (ytd only) | 2.4159% | 4,179 |
| Net charge-offs to loans | 0.8378% | 2,537 |
| Credit loss provision to net charge-offs | 81.0074% | 5,528 |
| Earnings coverage of net charge-offs (x) | 1.5648% | 4,564 |
| Efficiency ratio | 80.4639% | 2,353 |
| Assets per employee ($millions) | 2.8721% | 6,396 |
| Cash dividends to net income (ytd only)* | 54.6850% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8332% | 2,747 |
| Loan loss allowance to noncurrent loans | 163.2141% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.6831% | 5,640 |
| Noncurrent loans to loans | 1.1232% | 4,863 |
| Net loans and leases to total assets | 57.7084% | 5,070 |
| Net loans and leases to deposits | 67.9624% | 5,108 |
| Net loans and leases to core deposits | 69.2610% | 5,515 |
| Total domestic deposits to total assets | 84.9123% | 3,904 |
| Equity capital to assets | 9.7162% | 4,100 |
| Core capital (leverage) ratio | 9.0621% | 4,434 |
| Tier 1 risk-based capital ratio | 17.2692% | 2,239 |
| Total risk-based capital ratio | 18.5299% | 2,207 |
| Memoranda: | ||
| Average total assets | $238,578,200 | 2,651 |
| Average earning assets | $211,611,000 | 2,736 |
| Average equity | $23,220,800 | 2,733 |
| Average total loans | $144,539,400 | 2,858 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6372% | 6,233 |
| Cost of funding earning assets | 1.0367% | 5,763 |
| Net interest margin | 3.6005% | 4,875 |
| Noninterest income to average assets | 0.8474% | 2,007 |
| Noninterest expense to average assets | 3.2505% | 2,737 |
| Loan and lease loss provision to assets | 0.4752% | 3,096 |
| Net operating income to assets | 0.2871% | 5,217 |
| Return on assets (ROA) | 0.5184% | 4,415 |
| Pretax return on assets | 0.5520% | 4,753 |
| Return on Equity (ROE) | 5.3238% | 4,126 |
| Retained earnings to average equity (ytd only) | 2.2504% | 4,816 |
| Net charge-offs to loans | 0.5738% | 3,029 |
| Credit loss provision to net charge-offs | 135.6800% | 2,962 |
| Earnings coverage of net charge-offs (x) | 2.2304% | 4,058 |
| Efficiency ratio | 80.6227% | 2,264 |
| Assets per employee ($millions) | 2.8553% | 6,472 |
| Cash dividends to net income (ytd only)* | 57.7297% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1489% | 1,892 |
| Loan loss allowance to noncurrent loans | 136.9224% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.9758% | 5,135 |
| Noncurrent loans to loans | 1.5694% | 4,285 |
| Net loans and leases to total assets | 56.5969% | 5,466 |
| Net loans and leases to deposits | 66.7518% | 5,574 |
| Net loans and leases to core deposits | 67.8296% | 5,961 |
| Total domestic deposits to total assets | 84.7871% | 3,730 |
| Equity capital to assets | 9.5010% | 4,841 |
| Core capital (leverage) ratio | 8.9913% | 4,706 |
| Tier 1 risk-based capital ratio | 16.6211% | 2,500 |
| Total risk-based capital ratio | 17.8856% | 2,452 |
| Memoranda: | ||
| Average total assets | $237,908,750 | 2,692 |
| Average earning assets | $210,410,000 | 2,786 |
| Average equity | $23,165,750 | 2,782 |
| Average total loans | $145,218,000 | 2,891 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7352% | 6,025 |
| Cost of funding earning assets | 1.0687% | 5,827 |
| Net interest margin | 3.6665% | 4,517 |
| Noninterest income to average assets | 0.8481% | 1,892 |
| Noninterest expense to average assets | 3.2877% | 2,597 |
| Loan and lease loss provision to assets | 0.4980% | 2,807 |
| Net operating income to assets | 0.2688% | 5,301 |
| Return on assets (ROA) | 0.6008% | 4,011 |
| Pretax return on assets | 0.6773% | 4,319 |
| Return on Equity (ROE) | 6.1183% | 3,746 |
| Retained earnings to average equity (ytd only) | 2.6654% | 4,449 |
| Net charge-offs to loans | 0.4867% | 3,082 |
| Credit loss provision to net charge-offs | 164.6067% | 2,392 |
| Earnings coverage of net charge-offs (x) | 2.6517% | 3,673 |
| Efficiency ratio | 80.3865% | 2,389 |
| Assets per employee ($millions) | 2.6298% | 6,897 |
| Cash dividends to net income (ytd only)* | 56.4356% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1374% | 1,887 |
| Loan loss allowance to noncurrent loans | 130.6018% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 1.0785% | 4,975 |
| Noncurrent loans to loans | 1.6366% | 4,255 |
| Net loans and leases to total assets | 60.5398% | 4,957 |
| Net loans and leases to deposits | 72.2888% | 4,952 |
| Net loans and leases to core deposits | 74.0475% | 5,441 |
| Total domestic deposits to total assets | 83.7471% | 4,229 |
| Equity capital to assets | 9.9467% | 4,084 |
| Core capital (leverage) ratio | 8.9929% | 4,613 |
| Tier 1 risk-based capital ratio | 15.9202% | 2,711 |
| Total risk-based capital ratio | 17.1835% | 2,667 |
| Memoranda: | ||
| Average total assets | $235,360,330 | 2,747 |
| Average earning assets | $208,101,000 | 2,835 |
| Average equity | $23,111,000 | 2,784 |
| Average total loans | $146,281,330 | 2,897 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6932% | 6,267 |
| Cost of funding earning assets | 1.0766% | 6,011 |
| Net interest margin | 3.6166% | 4,645 |
| Noninterest income to average assets | 0.8427% | 1,836 |
| Noninterest expense to average assets | 3.2562% | 2,686 |
| Loan and lease loss provision to assets | 0.2225% | 4,275 |
| Net operating income to assets | 0.5273% | 4,250 |
| Return on assets (ROA) | 0.6287% | 3,891 |
| Pretax return on assets | 0.6708% | 4,334 |
| Return on Equity (ROE) | 6.4430% | 3,640 |
| Retained earnings to average equity (ytd only) | 2.9365% | 4,368 |
| Net charge-offs to loans | 0.3869% | 2,885 |
| Credit loss provision to net charge-offs | 92.3077% | 3,609 |
| Earnings coverage of net charge-offs (x) | 3.2587% | 2,963 |
| Efficiency ratio | 80.5671% | 2,477 |
| Assets per employee ($millions) | 2.8108% | 6,620 |
| Cash dividends to net income (ytd only)* | 54.4236% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9196% | 2,386 |
| Loan loss allowance to noncurrent loans | 129.4901% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.9970% | 5,150 |
| Noncurrent loans to loans | 1.4824% | 4,519 |
| Net loans and leases to total assets | 61.0052% | 4,941 |
| Net loans and leases to deposits | 72.8136% | 4,944 |
| Net loans and leases to core deposits | 74.5028% | 5,443 |
| Total domestic deposits to total assets | 83.7827% | 4,251 |
| Equity capital to assets | 9.8346% | 4,072 |
| Core capital (leverage) ratio | 8.9045% | 4,725 |
| Tier 1 risk-based capital ratio | 15.1645% | 3,030 |
| Total risk-based capital ratio | 16.5877% | 2,900 |
| Memoranda: | ||
| Average total assets | $237,329,000 | 2,791 |
| Average earning assets | $209,918,500 | 2,876 |
| Average equity | $23,157,000 | 2,811 |
| Average total loans | $147,840,500 | 2,930 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1302% | 5,957 |
| Cost of funding earning assets | 1.4213% | 5,840 |
| Net interest margin | 3.7089% | 4,097 |
| Noninterest income to average assets | 0.8668% | 2,098 |
| Noninterest expense to average assets | 3.3602% | 2,805 |
| Loan and lease loss provision to assets | 0.6345% | 3,267 |
| Net operating income to assets | 0.1090% | 5,189 |
| Return on assets (ROA) | 0.5680% | 3,532 |
| Pretax return on assets | 0.6315% | 3,808 |
| Return on Equity (ROE) | 5.9061% | 3,251 |
| Retained earnings to average equity (ytd only) | 1.8308% | 3,820 |
| Net charge-offs to loans | 0.3950% | 4,237 |
| Credit loss provision to net charge-offs | 250.2504% | 1,413 |
| Earnings coverage of net charge-offs (x) | 2.9816% | 3,585 |
| Efficiency ratio | 81.6350% | 2,653 |
| Assets per employee ($millions) | 2.9451% | 6,356 |
| Cash dividends to net income (ytd only)* | 69.0015% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9016% | 2,260 |
| Loan loss allowance to noncurrent loans | 254.9550% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.5374% | 6,107 |
| Noncurrent loans to loans | 0.7458% | 5,768 |
| Net loans and leases to total assets | 61.2005% | 5,158 |
| Net loans and leases to deposits | 73.8778% | 5,055 |
| Net loans and leases to core deposits | 79.5249% | 6,143 |
| Total domestic deposits to total assets | 82.8402% | 4,589 |
| Equity capital to assets | 9.6809% | 4,164 |
| Core capital (leverage) ratio | 9.0665% | 4,311 |
| Tier 1 risk-based capital ratio | 14.9159% | 2,987 |
| Total risk-based capital ratio | 16.3227% | 2,853 |
| Memoranda: | ||
| Average total assets | $236,264,600 | 2,750 |
| Average earning assets | $206,988,200 | 2,873 |
| Average equity | $22,722,200 | 2,861 |
| Average total loans | $151,628,200 | 2,895 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2277% | 5,768 |
| Cost of funding earning assets | 1.4980% | 5,828 |
| Net interest margin | 3.7297% | 3,948 |
| Noninterest income to average assets | 0.8814% | 2,051 |
| Noninterest expense to average assets | 3.4321% | 2,471 |
| Loan and lease loss provision to assets | 0.4265% | 3,768 |
| Net operating income to assets | 0.2497% | 4,992 |
| Return on assets (ROA) | 0.7280% | 3,169 |
| Pretax return on assets | 0.8242% | 3,458 |
| Return on Equity (ROE) | 7.5829% | 2,825 |
| Retained earnings to average equity (ytd only) | 4.1951% | 2,934 |
| Net charge-offs to loans | 0.3851% | 3,723 |
| Credit loss provision to net charge-offs | 171.3636% | 2,714 |
| Earnings coverage of net charge-offs (x) | 2.8409% | 3,802 |
| Efficiency ratio | 82.9165% | 2,439 |
| Assets per employee ($millions) | 2.8239% | 6,596 |
| Cash dividends to net income (ytd only)* | 44.6776% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4928% | 3,482 |
| Loan loss allowance to noncurrent loans | 238.2166% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.5679% | 6,037 |
| Noncurrent loans to loans | 0.6267% | 6,045 |
| Net loans and leases to total assets | 62.4233% | 5,173 |
| Net loans and leases to deposits | 75.6126% | 5,107 |
| Net loans and leases to core deposits | 83.2746% | 6,097 |
| Total domestic deposits to total assets | 82.5567% | 4,417 |
| Equity capital to assets | 9.8597% | 4,260 |
| Core capital (leverage) ratio | 9.3511% | 4,110 |
| Tier 1 risk-based capital ratio | 15.1474% | 2,979 |
| Total risk-based capital ratio | 16.5191% | 2,864 |
| Memoranda: | ||
| Average total assets | $235,692,750 | 2,773 |
| Average earning assets | $205,873,250 | 2,910 |
| Average equity | $22,629,250 | 2,897 |
| Average total loans | $152,329,000 | 2,908 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3848% | 5,229 |
| Cost of funding earning assets | 1.5938% | 5,770 |
| Net interest margin | 3.7911% | 3,590 |
| Noninterest income to average assets | 0.8657% | 2,116 |
| Noninterest expense to average assets | 3.5342% | 2,231 |
| Loan and lease loss provision to assets | 0.5238% | 2,926 |
| Net operating income to assets | 0.0838% | 5,610 |
| Return on assets (ROA) | 0.7866% | 2,998 |
| Pretax return on assets | 0.9099% | 3,304 |
| Return on Equity (ROE) | 8.2677% | 2,663 |
| Retained earnings to average equity (ytd only) | 4.8265% | 2,615 |
| Net charge-offs to loans | 0.3817% | 3,293 |
| Credit loss provision to net charge-offs | 210.9589% | 2,174 |
| Earnings coverage of net charge-offs (x) | 2.4829% | 3,822 |
| Efficiency ratio | 85.1465% | 2,340 |
| Assets per employee ($millions) | 2.5748% | 7,107 |
| Cash dividends to net income (ytd only)* | 41.6216% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4839% | 3,285 |
| Loan loss allowance to noncurrent loans | 169.3464% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.7314% | 5,586 |
| Noncurrent loans to loans | 0.8763% | 5,461 |
| Net loans and leases to total assets | 65.3002% | 4,706 |
| Net loans and leases to deposits | 79.6150% | 4,599 |
| Net loans and leases to core deposits | 84.9799% | 6,015 |
| Total domestic deposits to total assets | 82.0200% | 4,691 |
| Equity capital to assets | 9.9105% | 4,066 |
| Core capital (leverage) ratio | 9.0095% | 4,615 |
| Tier 1 risk-based capital ratio | 14.6959% | 3,146 |
| Total risk-based capital ratio | 16.0237% | 3,047 |
| Memoranda: | ||
| Average total assets | $235,187,670 | 2,803 |
| Average earning assets | $203,794,670 | 2,950 |
| Average equity | $22,376,330 | 2,930 |
| Average total loans | $152,999,670 | 2,929 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4449% | 5,199 |
| Cost of funding earning assets | 1.6370% | 5,876 |
| Net interest margin | 3.8079% | 3,414 |
| Noninterest income to average assets | 0.8279% | 2,187 |
| Noninterest expense to average assets | 3.2947% | 2,671 |
| Loan and lease loss provision to assets | 0.8027% | 1,609 |
| Net operating income to assets | 0.0116% | 6,228 |
| Return on assets (ROA) | 0.6784% | 3,852 |
| Pretax return on assets | 0.7288% | 4,329 |
| Return on Equity (ROE) | 7.2763% | 3,475 |
| Retained earnings to average equity (ytd only) | 3.7462% | 3,821 |
| Net charge-offs to loans | 0.1511% | 3,753 |
| Credit loss provision to net charge-offs | 824.1379% | 732 |
| Earnings coverage of net charge-offs (x) | 8.3621% | 2,200 |
| Efficiency ratio | 80.1798% | 2,787 |
| Assets per employee ($millions) | 2.7535% | 6,760 |
| Cash dividends to net income (ytd only)* | 48.5149% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5109% | 2,921 |
| Loan loss allowance to noncurrent loans | 173.5598% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.7027% | 5,398 |
| Noncurrent loans to loans | 0.8705% | 5,273 |
| Net loans and leases to total assets | 64.6901% | 4,861 |
| Net loans and leases to deposits | 80.6359% | 4,511 |
| Net loans and leases to core deposits | 86.7051% | 5,855 |
| Total domestic deposits to total assets | 80.2249% | 5,274 |
| Equity capital to assets | 9.4285% | 4,773 |
| Core capital (leverage) ratio | 9.3556% | 4,165 |
| Tier 1 risk-based capital ratio | 15.1836% | 2,979 |
| Total risk-based capital ratio | 16.4567% | 2,927 |
| Memoranda: | ||
| Average total assets | $238,201,500 | 2,787 |
| Average earning assets | $205,257,000 | 2,943 |
| Average equity | $22,209,000 | 2,953 |
| Average total loans | $153,551,500 | 2,952 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8882% | 6,097 |
| Cost of funding earning assets | 2.1483% | 5,839 |
| Net interest margin | 3.7399% | 4,275 |
| Noninterest income to average assets | 0.8797% | 2,058 |
| Noninterest expense to average assets | 3.1066% | 3,670 |
| Loan and lease loss provision to assets | 0.5110% | 2,767 |
| Net operating income to assets | 0.4318% | 5,024 |
| Return on assets (ROA) | -1.3687% | 7,357 |
| Pretax return on assets | -2.2522% | 7,521 |
| Return on Equity (ROE) | -13.0871% | 7,501 |
| Retained earnings to average equity (ytd only) | -17.6518% | 7,603 |
| Net charge-offs to loans | 0.4455% | 2,600 |
| Credit loss provision to net charge-offs | 188.9571% | 2,619 |
| Earnings coverage of net charge-offs (x) | 3.9647% | 4,160 |
| Efficiency ratio | 74.3424% | 3,515 |
| Assets per employee ($millions) | 2.6921% | 6,806 |
| Cash dividends to net income (ytd only)* | -34.8788% | 8,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2734% | 3,969 |
| Loan loss allowance to noncurrent loans | 139.8551% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.7104% | 5,094 |
| Noncurrent loans to loans | 0.9105% | 4,801 |
| Net loans and leases to total assets | 62.4520% | 5,548 |
| Net loans and leases to deposits | 79.7475% | 5,088 |
| Net loans and leases to core deposits | 85.0740% | 6,203 |
| Total domestic deposits to total assets | 78.3122% | 5,608 |
| Equity capital to assets | 9.2199% | 5,045 |
| Core capital (leverage) ratio | 9.4064% | 4,147 |
| Tier 1 risk-based capital ratio | 14.5625% | 3,266 |
| Total risk-based capital ratio | 15.8128% | 3,187 |
| Memoranda: | ||
| Average total assets | $241,101,000 | 2,647 |
| Average earning assets | $212,680,000 | 2,740 |
| Average equity | $25,215,600 | 2,625 |
| Average total loans | $146,358,600 | 2,987 |