Home > Minster Bank > Performance and Condition Ratios
Minster 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 | 4.2848% | 3,461 |
| Cost of funding earning assets | 0.9694% | 3,373 |
| Net interest margin | 3.3155% | 2,592 |
| Noninterest income to average assets | 0.6900% | 1,219 |
| Noninterest expense to average assets | 2.0936% | 3,423 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.3522% | 1,319 |
| Return on assets (ROA) | 1.3530% | 1,288 |
| Pretax return on assets | 1.6766% | 1,107 |
| Return on Equity (ROE) | 21.3800% | 510 |
| Retained earnings to average equity (ytd only) | 16.9378% | 223 |
| Net charge-offs to loans | 0.0025% | 2,707 |
| Credit loss provision to net charge-offs | 1,025.0000% | 399 |
| Earnings coverage of net charge-offs (x) | 1,547.6250% | 101 |
| Efficiency ratio | 54.6051% | 3,636 |
| Assets per employee ($millions) | 8.2113% | 1,328 |
| Cash dividends to net income (ytd only)* | 20.7792% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1133% | 2,769 |
| Loan loss allowance to noncurrent loans | 106.0049% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 0.5047% | 1,110 |
| Noncurrent loans to loans | 1.0502% | 703 |
| Net loans and leases to total assets | 47.5200% | 3,752 |
| Net loans and leases to deposits | 52.7507% | 3,842 |
| Net loans and leases to core deposits | 53.8531% | 3,978 |
| Total domestic deposits to total assets | 90.0900% | 733 |
| Equity capital to assets | 7.1233% | 3,894 |
| Core capital (leverage) ratio | 9.5008% | 3,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0757% | 905 |
| Memoranda: | ||
| Average total assets | $711,365,000 | 1,293 |
| Average earning assets | $674,259,800 | 1,272 |
| Average equity | $45,017,600 | 1,732 |
| Average total loans | $324,900,000 | 1,702 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1775% | 3,508 |
| Cost of funding earning assets | 0.8207% | 3,473 |
| Net interest margin | 3.3569% | 2,553 |
| Noninterest income to average assets | 0.6900% | 1,217 |
| Noninterest expense to average assets | 2.1275% | 3,277 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.3653% | 1,390 |
| Return on assets (ROA) | 1.3674% | 1,372 |
| Pretax return on assets | 1.6939% | 1,167 |
| Return on Equity (ROE) | 22.3200% | 536 |
| Retained earnings to average equity (ytd only) | 22.0160% | 193 |
| Net charge-offs to loans | -0.0029% | 3,642 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.8835% | 3,504 |
| Assets per employee ($millions) | 7.9546% | 1,368 |
| Cash dividends to net income (ytd only)* | 1.3761% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 2,276 |
| Loan loss allowance to noncurrent loans | 117.4535% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.4937% | 1,172 |
| Noncurrent loans to loans | 1.0367% | 778 |
| Net loans and leases to total assets | 47.0400% | 3,785 |
| Net loans and leases to deposits | 51.7547% | 3,882 |
| Net loans and leases to core deposits | 52.6533% | 3,973 |
| Total domestic deposits to total assets | 90.8900% | 698 |
| Equity capital to assets | 6.1502% | 3,936 |
| Core capital (leverage) ratio | 9.5223% | 3,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1292% | 934 |
| Memoranda: | ||
| Average total assets | $708,557,250 | 1,290 |
| Average earning assets | $671,644,250 | 1,271 |
| Average equity | $43,403,750 | 1,765 |
| Average total loans | $319,308,750 | 1,718 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0372% | 3,609 |
| Cost of funding earning assets | 0.5889% | 3,781 |
| Net interest margin | 3.4482% | 2,396 |
| Noninterest income to average assets | 0.7000% | 1,120 |
| Noninterest expense to average assets | 2.1282% | 3,273 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.4622% | 1,183 |
| Return on assets (ROA) | 1.4628% | 1,168 |
| Pretax return on assets | 1.8122% | 989 |
| Return on Equity (ROE) | 23.9100% | 436 |
| Retained earnings to average equity (ytd only) | 23.9125% | 143 |
| Net charge-offs to loans | -0.0070% | 3,807 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.5691% | 3,650 |
| Assets per employee ($millions) | 7.6729% | 1,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1973% | 2,459 |
| Loan loss allowance to noncurrent loans | 1,980.3030% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.0275% | 3,513 |
| Noncurrent loans to loans | 0.0605% | 3,266 |
| Net loans and leases to total assets | 44.8600% | 3,849 |
| Net loans and leases to deposits | 49.5021% | 3,941 |
| Net loans and leases to core deposits | 50.3194% | 4,010 |
| Total domestic deposits to total assets | 90.6300% | 749 |
| Equity capital to assets | 6.3895% | 4,039 |
| Core capital (leverage) ratio | 9.4773% | 3,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0049% | 958 |
| Memoranda: | ||
| Average total assets | $708,757,000 | 1,285 |
| Average earning assets | $672,403,333 | 1,262 |
| Average equity | $43,358,000 | 1,769 |
| Average total loans | $313,370,667 | 1,732 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9873% | 3,482 |
| Cost of funding earning assets | 0.2958% | 4,209 |
| Net interest margin | 3.6915% | 1,915 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 2.0788% | 3,431 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7069% | 810 |
| Return on assets (ROA) | 1.7110% | 802 |
| Pretax return on assets | 2.1238% | 634 |
| Return on Equity (ROE) | 28.6200% | 266 |
| Retained earnings to average equity (ytd only) | 28.6228% | 124 |
| Net charge-offs to loans | -0.0039% | 3,574 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.5118% | 3,981 |
| Assets per employee ($millions) | 7.5884% | 1,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2185% | 2,464 |
| Loan loss allowance to noncurrent loans | 1,636.6379% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.0332% | 3,448 |
| Noncurrent loans to loans | 0.0745% | 3,205 |
| Net loans and leases to total assets | 44.0900% | 3,864 |
| Net loans and leases to deposits | 48.6395% | 3,943 |
| Net loans and leases to core deposits | 49.0688% | 4,016 |
| Total domestic deposits to total assets | 90.6500% | 929 |
| Equity capital to assets | 6.4574% | 4,043 |
| Core capital (leverage) ratio | 9.0710% | 3,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7904% | 1,026 |
| Memoranda: | ||
| Average total assets | $702,507,000 | 1,310 |
| Average earning assets | $666,724,500 | 1,292 |
| Average equity | $41,994,500 | 1,836 |
| Average total loans | $306,309,000 | 1,769 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9444% | 4,196 |
| Cost of funding earning assets | 0.1037% | 4,378 |
| Net interest margin | 2.8408% | 3,808 |
| Noninterest income to average assets | 0.6400% | 1,496 |
| Noninterest expense to average assets | 1.9863% | 3,619 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1095% | 2,129 |
| Return on assets (ROA) | 1.1086% | 2,071 |
| Pretax return on assets | 1.3679% | 1,875 |
| Return on Equity (ROE) | 18.7700% | 603 |
| Retained earnings to average equity (ytd only) | 14.2453% | 359 |
| Net charge-offs to loans | 0.0018% | 2,485 |
| Credit loss provision to net charge-offs | 20.0000% | 1,931 |
| Earnings coverage of net charge-offs (x) | 2,047.6000% | 85 |
| Efficiency ratio | 59.1965% | 3,161 |
| Assets per employee ($millions) | 7.3634% | 1,710 |
| Cash dividends to net income (ytd only)* | 24.1255% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2597% | 2,102 |
| Loan loss allowance to noncurrent loans | 1,763.7209% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.0304% | 3,507 |
| Noncurrent loans to loans | 0.0714% | 3,247 |
| Net loans and leases to total assets | 42.0500% | 3,976 |
| Net loans and leases to deposits | 46.4157% | 4,038 |
| Net loans and leases to core deposits | 46.6784% | 4,093 |
| Total domestic deposits to total assets | 90.5900% | 1,115 |
| Equity capital to assets | 5.5042% | 4,238 |
| Core capital (leverage) ratio | 8.2577% | 4,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6539% | 1,030 |
| Memoranda: | ||
| Average total assets | $747,783,200 | 1,246 |
| Average earning assets | $714,808,000 | 1,210 |
| Average equity | $44,155,000 | 1,782 |
| Average total loans | $282,900,600 | 1,798 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6698% | 4,315 |
| Cost of funding earning assets | 0.0773% | 4,438 |
| Net interest margin | 2.5924% | 4,112 |
| Noninterest income to average assets | 0.6500% | 1,510 |
| Noninterest expense to average assets | 1.8764% | 3,804 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0172% | 2,415 |
| Return on assets (ROA) | 1.0163% | 2,391 |
| Pretax return on assets | 1.2527% | 2,199 |
| Return on Equity (ROE) | 16.9400% | 804 |
| Retained earnings to average equity (ytd only) | 16.9438% | 213 |
| Net charge-offs to loans | 0.0014% | 2,260 |
| Credit loss provision to net charge-offs | 33.3333% | 1,590 |
| Earnings coverage of net charge-offs (x) | 2,376.3333% | 51 |
| Efficiency ratio | 59.9427% | 3,118 |
| Assets per employee ($millions) | 7.8584% | 1,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3272% | 1,901 |
| Loan loss allowance to noncurrent loans | 1,042.3077% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.0493% | 3,400 |
| Noncurrent loans to loans | 0.1273% | 2,999 |
| Net loans and leases to total assets | 38.1800% | 4,140 |
| Net loans and leases to deposits | 41.4749% | 4,193 |
| Net loans and leases to core deposits | 41.7447% | 4,229 |
| Total domestic deposits to total assets | 92.0700% | 858 |
| Equity capital to assets | 4.8219% | 4,330 |
| Core capital (leverage) ratio | 7.9756% | 4,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9598% | 996 |
| Memoranda: | ||
| Average total assets | $758,008,250 | 1,238 |
| Average earning assets | $725,888,250 | 1,200 |
| Average equity | $45,466,750 | 1,762 |
| Average total loans | $278,371,250 | 1,816 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4033% | 4,460 |
| Cost of funding earning assets | 0.0769% | 4,405 |
| Net interest margin | 2.3264% | 4,307 |
| Noninterest income to average assets | 0.6826% | 1,420 |
| Noninterest expense to average assets | 1.8018% | 3,950 |
| Loan and lease loss provision to assets | -0.0016% | 4,365 |
| Net operating income to assets | 0.9058% | 2,558 |
| Return on assets (ROA) | 0.9039% | 2,538 |
| Pretax return on assets | 1.1130% | 2,359 |
| Return on Equity (ROE) | 14.1746% | 1,069 |
| Retained earnings to average equity (ytd only) | 14.1746% | 341 |
| Net charge-offs to loans | 0.0043% | 1,861 |
| Credit loss provision to net charge-offs | -100.0000% | 3,104 |
| Earnings coverage of net charge-offs (x) | 709.5000% | 199 |
| Efficiency ratio | 61.8001% | 3,067 |
| Assets per employee ($millions) | 8.2719% | 1,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3899% | 1,799 |
| Loan loss allowance to noncurrent loans | 965.3061% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 3,475 |
| Noncurrent loans to loans | 0.1440% | 2,982 |
| Net loans and leases to total assets | 35.2762% | 4,281 |
| Net loans and leases to deposits | 38.4275% | 4,317 |
| Net loans and leases to core deposits | 38.9200% | 4,353 |
| Total domestic deposits to total assets | 91.7994% | 929 |
| Equity capital to assets | 5.4848% | 4,369 |
| Core capital (leverage) ratio | 7.6341% | 4,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5127% | 917 |
| Memoranda: | ||
| Average total assets | $764,448,333 | 1,232 |
| Average earning assets | $733,750,667 | 1,204 |
| Average equity | $48,749,333 | 1,710 |
| Average total loans | $275,876,333 | 1,823 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2575% | 4,491 |
| Cost of funding earning assets | 0.0786% | 4,374 |
| Net interest margin | 2.1788% | 4,371 |
| Noninterest income to average assets | 0.6839% | 1,375 |
| Noninterest expense to average assets | 1.8116% | 3,912 |
| Loan and lease loss provision to assets | -0.0052% | 4,407 |
| Net operating income to assets | 0.7921% | 2,686 |
| Return on assets (ROA) | 0.7904% | 2,692 |
| Pretax return on assets | 0.9726% | 2,530 |
| Return on Equity (ROE) | 11.5895% | 1,426 |
| Retained earnings to average equity (ytd only) | 11.5895% | 658 |
| Net charge-offs to loans | 0.0043% | 1,608 |
| Credit loss provision to net charge-offs | -333.3333% | 3,060 |
| Earnings coverage of net charge-offs (x) | 619.0000% | 161 |
| Efficiency ratio | 65.1399% | 2,887 |
| Assets per employee ($millions) | 8.3547% | 1,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4107% | 1,867 |
| Loan loss allowance to noncurrent loans | 1,244.4079% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.0391% | 3,640 |
| Noncurrent loans to loans | 0.1134% | 3,260 |
| Net loans and leases to total assets | 34.0260% | 4,305 |
| Net loans and leases to deposits | 37.2720% | 4,345 |
| Net loans and leases to core deposits | 37.7962% | 4,380 |
| Total domestic deposits to total assets | 91.2910% | 893 |
| Equity capital to assets | 6.1240% | 4,559 |
| Core capital (leverage) ratio | 7.4405% | 4,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4116% | 978 |
| Memoranda: | ||
| Average total assets | $766,165,000 | 1,235 |
| Average earning assets | $737,464,500 | 1,204 |
| Average equity | $52,254,000 | 1,669 |
| Average total loans | $277,694,000 | 1,801 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7180% | 4,295 |
| Cost of funding earning assets | 0.0951% | 4,419 |
| Net interest margin | 2.6229% | 4,017 |
| Noninterest income to average assets | 0.8396% | 1,347 |
| Noninterest expense to average assets | 1.9555% | 3,805 |
| Loan and lease loss provision to assets | 0.0496% | 2,063 |
| Net operating income to assets | 1.0857% | 2,352 |
| Return on assets (ROA) | 1.0894% | 2,404 |
| Pretax return on assets | 1.3642% | 2,160 |
| Return on Equity (ROE) | 13.6167% | 1,281 |
| Retained earnings to average equity (ytd only) | 11.8148% | 555 |
| Net charge-offs to loans | 0.0027% | 2,524 |
| Credit loss provision to net charge-offs | 4,300.0000% | 165 |
| Earnings coverage of net charge-offs (x) | 1,221.8750% | 120 |
| Efficiency ratio | 58.1191% | 3,427 |
| Assets per employee ($millions) | 8.1220% | 1,267 |
| Cash dividends to net income (ytd only)* | 13.2328% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 2,264 |
| Loan loss allowance to noncurrent loans | 1,269.5652% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.0396% | 3,728 |
| Noncurrent loans to loans | 0.1041% | 3,406 |
| Net loans and leases to total assets | 37.5236% | 4,221 |
| Net loans and leases to deposits | 41.9816% | 4,275 |
| Net loans and leases to core deposits | 42.6835% | 4,318 |
| Total domestic deposits to total assets | 89.3810% | 1,309 |
| Equity capital to assets | 7.5363% | 4,580 |
| Core capital (leverage) ratio | 7.5448% | 4,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8096% | 1,090 |
| Memoranda: | ||
| Average total assets | $693,668,600 | 1,294 |
| Average earning assets | $667,811,000 | 1,266 |
| Average equity | $55,498,000 | 1,617 |
| Average total loans | $291,936,600 | 1,740 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8213% | 4,276 |
| Cost of funding earning assets | 0.1008% | 4,499 |
| Net interest margin | 2.7205% | 3,933 |
| Noninterest income to average assets | 0.8622% | 1,340 |
| Noninterest expense to average assets | 1.9473% | 3,820 |
| Loan and lease loss provision to assets | 0.0650% | 1,700 |
| Net operating income to assets | 1.1660% | 2,296 |
| Return on assets (ROA) | 1.1689% | 2,340 |
| Pretax return on assets | 1.4702% | 2,080 |
| Return on Equity (ROE) | 14.3773% | 1,291 |
| Retained earnings to average equity (ytd only) | 14.3773% | 473 |
| Net charge-offs to loans | 0.0041% | 2,196 |
| Credit loss provision to net charge-offs | 3,677.7778% | 207 |
| Earnings coverage of net charge-offs (x) | 865.7778% | 190 |
| Efficiency ratio | 55.9724% | 3,536 |
| Assets per employee ($millions) | 7.6702% | 1,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3632% | 2,168 |
| Loan loss allowance to noncurrent loans | 972.2365% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.0540% | 3,775 |
| Noncurrent loans to loans | 0.1402% | 3,409 |
| Net loans and leases to total assets | 37.9547% | 4,302 |
| Net loans and leases to deposits | 42.6645% | 4,358 |
| Net loans and leases to core deposits | 43.5884% | 4,396 |
| Total domestic deposits to total assets | 88.9609% | 1,300 |
| Equity capital to assets | 7.9932% | 4,525 |
| Core capital (leverage) ratio | 7.9692% | 4,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7359% | 1,003 |
| Memoranda: | ||
| Average total assets | $678,249,750 | 1,325 |
| Average earning assets | $652,404,000 | 1,304 |
| Average equity | $55,141,250 | 1,652 |
| Average total loans | $293,113,750 | 1,764 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7847% | 4,365 |
| Cost of funding earning assets | 0.1103% | 4,506 |
| Net interest margin | 2.6744% | 4,029 |
| Noninterest income to average assets | 0.8789% | 1,330 |
| Noninterest expense to average assets | 1.9337% | 3,879 |
| Loan and lease loss provision to assets | 0.0958% | 1,312 |
| Net operating income to assets | 1.1209% | 2,462 |
| Return on assets (ROA) | 1.1247% | 2,520 |
| Pretax return on assets | 1.4253% | 2,255 |
| Return on Equity (ROE) | 13.7504% | 1,493 |
| Retained earnings to average equity (ytd only) | 13.7504% | 588 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0503% | 3,534 |
| Assets per employee ($millions) | 7.2474% | 1,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3056% | 2,410 |
| Loan loss allowance to noncurrent loans | 424.0180% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.1322% | 3,359 |
| Noncurrent loans to loans | 0.3079% | 2,823 |
| Net loans and leases to total assets | 42.3728% | 4,155 |
| Net loans and leases to deposits | 47.8037% | 4,232 |
| Net loans and leases to core deposits | 48.6642% | 4,293 |
| Total domestic deposits to total assets | 88.6391% | 1,482 |
| Equity capital to assets | 8.2806% | 4,367 |
| Core capital (leverage) ratio | 7.8878% | 4,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1367% | 1,091 |
| Memoranda: | ||
| Average total assets | $664,000,000 | 1,344 |
| Average earning assets | $638,355,000 | 1,315 |
| Average equity | $54,311,333 | 1,658 |
| Average total loans | $298,340,000 | 1,753 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8344% | 4,333 |
| Cost of funding earning assets | 0.1235% | 4,505 |
| Net interest margin | 2.7109% | 3,945 |
| Noninterest income to average assets | 0.9232% | 1,273 |
| Noninterest expense to average assets | 1.9405% | 3,881 |
| Loan and lease loss provision to assets | 0.1463% | 900 |
| Net operating income to assets | 1.1145% | 2,427 |
| Return on assets (ROA) | 1.1168% | 2,499 |
| Pretax return on assets | 1.4507% | 2,136 |
| Return on Equity (ROE) | 13.7413% | 1,482 |
| Retained earnings to average equity (ytd only) | 13.7413% | 789 |
| Net charge-offs to loans | 0.0013% | 1,893 |
| Credit loss provision to net charge-offs | 24,100.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 2,626.0000% | 23 |
| Efficiency ratio | 54.9030% | 3,685 |
| Assets per employee ($millions) | 7.1612% | 1,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2097% | 2,879 |
| Loan loss allowance to noncurrent loans | 963.5417% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 3,974 |
| Noncurrent loans to loans | 0.1255% | 3,682 |
| Net loans and leases to total assets | 44.4156% | 4,089 |
| Net loans and leases to deposits | 49.9949% | 4,155 |
| Net loans and leases to core deposits | 50.9463% | 4,248 |
| Total domestic deposits to total assets | 88.8403% | 1,421 |
| Equity capital to assets | 7.8888% | 4,552 |
| Core capital (leverage) ratio | 7.8891% | 4,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7023% | 1,122 |
| Memoranda: | ||
| Average total assets | $658,997,000 | 1,339 |
| Average earning assets | $634,766,500 | 1,315 |
| Average equity | $53,561,000 | 1,667 |
| Average total loans | $302,823,500 | 1,731 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3323% | 4,284 |
| Cost of funding earning assets | 0.2696% | 4,294 |
| Net interest margin | 3.0627% | 3,719 |
| Noninterest income to average assets | 1.0486% | 965 |
| Noninterest expense to average assets | 2.2652% | 3,502 |
| Loan and lease loss provision to assets | 0.0972% | 3,128 |
| Net operating income to assets | 1.3110% | 1,219 |
| Return on assets (ROA) | 1.3095% | 1,328 |
| Pretax return on assets | 1.6186% | 1,036 |
| Return on Equity (ROE) | 15.5425% | 558 |
| Retained earnings to average equity (ytd only) | 15.5425% | 137 |
| Net charge-offs to loans | -0.0042% | 4,091 |
| Credit loss provision to net charge-offs | -4,666.6667% | 4,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8739% | 3,876 |
| Assets per employee ($millions) | 6.8567% | 1,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1542% | 3,192 |
| Loan loss allowance to noncurrent loans | 873.7374% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.0621% | 4,035 |
| Noncurrent loans to loans | 0.1321% | 3,749 |
| Net loans and leases to total assets | 46.4687% | 4,099 |
| Net loans and leases to deposits | 52.8221% | 4,177 |
| Net loans and leases to core deposits | 53.8803% | 4,260 |
| Total domestic deposits to total assets | 87.9720% | 1,483 |
| Equity capital to assets | 8.3825% | 4,528 |
| Core capital (leverage) ratio | 7.9716% | 4,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1725% | 1,221 |
| Memoranda: | ||
| Average total assets | $576,184,600 | 1,379 |
| Average earning assets | $552,023,800 | 1,344 |
| Average equity | $48,544,200 | 1,739 |
| Average total loans | $284,910,600 | 1,744 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3546% | 4,408 |
| Cost of funding earning assets | 0.3021% | 4,310 |
| Net interest margin | 3.0525% | 3,856 |
| Noninterest income to average assets | 1.0299% | 980 |
| Noninterest expense to average assets | 2.2747% | 3,484 |
| Loan and lease loss provision to assets | 0.0501% | 3,723 |
| Net operating income to assets | 1.3142% | 1,323 |
| Return on assets (ROA) | 1.3121% | 1,418 |
| Pretax return on assets | 1.6209% | 1,128 |
| Return on Equity (ROE) | 15.5515% | 610 |
| Retained earnings to average equity (ytd only) | 15.5515% | 176 |
| Net charge-offs to loans | -0.0062% | 4,103 |
| Credit loss provision to net charge-offs | -1,623.0769% | 4,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6108% | 3,720 |
| Assets per employee ($millions) | 6.6400% | 1,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0034% | 3,693 |
| Loan loss allowance to noncurrent loans | 764.6192% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.0674% | 4,099 |
| Noncurrent loans to loans | 0.1312% | 3,856 |
| Net loans and leases to total assets | 50.8145% | 4,049 |
| Net loans and leases to deposits | 57.6874% | 4,178 |
| Net loans and leases to core deposits | 59.0061% | 4,253 |
| Total domestic deposits to total assets | 88.0859% | 1,180 |
| Equity capital to assets | 8.5320% | 4,445 |
| Core capital (leverage) ratio | 7.9618% | 4,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0501% | 1,238 |
| Memoranda: | ||
| Average total assets | $560,811,500 | 1,395 |
| Average earning assets | $536,209,750 | 1,363 |
| Average equity | $47,317,000 | 1,766 |
| Average total loans | $281,193,250 | 1,756 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4711% | 4,450 |
| Cost of funding earning assets | 0.3407% | 4,308 |
| Net interest margin | 3.1304% | 3,838 |
| Noninterest income to average assets | 0.9210% | 1,120 |
| Noninterest expense to average assets | 2.3066% | 3,496 |
| Loan and lease loss provision to assets | 0.0139% | 4,051 |
| Net operating income to assets | 1.2914% | 1,379 |
| Return on assets (ROA) | 1.2893% | 1,499 |
| Pretax return on assets | 1.5917% | 1,246 |
| Return on Equity (ROE) | 15.3448% | 657 |
| Retained earnings to average equity (ytd only) | 15.3448% | 206 |
| Net charge-offs to loans | 0.0022% | 2,933 |
| Credit loss provision to net charge-offs | 1,266.6667% | 677 |
| Earnings coverage of net charge-offs (x) | 1,464.3333% | 55 |
| Efficiency ratio | 58.9209% | 3,567 |
| Assets per employee ($millions) | 6.4829% | 1,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9518% | 3,794 |
| Loan loss allowance to noncurrent loans | 605.1760% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.0810% | 4,116 |
| Noncurrent loans to loans | 0.1573% | 3,829 |
| Net loans and leases to total assets | 51.0016% | 4,098 |
| Net loans and leases to deposits | 58.1016% | 4,216 |
| Net loans and leases to core deposits | 59.4766% | 4,291 |
| Total domestic deposits to total assets | 87.7801% | 1,294 |
| Equity capital to assets | 8.2627% | 4,605 |
| Core capital (leverage) ratio | 7.8966% | 4,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3308% | 1,408 |
| Memoranda: | ||
| Average total assets | $546,335,000 | 1,403 |
| Average earning assets | $522,491,333 | 1,369 |
| Average equity | $45,904,667 | 1,796 |
| Average total loans | $271,539,667 | 1,787 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6235% | 4,495 |
| Cost of funding earning assets | 0.4129% | 4,317 |
| Net interest margin | 3.2106% | 3,826 |
| Noninterest income to average assets | 0.7543% | 1,454 |
| Noninterest expense to average assets | 2.4286% | 3,480 |
| Loan and lease loss provision to assets | -0.0008% | 5,027 |
| Net operating income to assets | 1.1321% | 1,746 |
| Return on assets (ROA) | 1.1303% | 1,855 |
| Pretax return on assets | 1.3912% | 1,589 |
| Return on Equity (ROE) | 13.3253% | 822 |
| Retained earnings to average equity (ytd only) | 13.3253% | 295 |
| Net charge-offs to loans | -0.0583% | 4,682 |
| Credit loss provision to net charge-offs | 2.7027% | 2,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5542% | 3,300 |
| Assets per employee ($millions) | 5.8297% | 1,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1768% | 2,791 |
| Loan loss allowance to noncurrent loans | 547.5655% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.1018% | 4,108 |
| Noncurrent loans to loans | 0.2149% | 3,709 |
| Net loans and leases to total assets | 46.7985% | 4,391 |
| Net loans and leases to deposits | 53.3844% | 4,471 |
| Net loans and leases to core deposits | 55.0205% | 4,530 |
| Total domestic deposits to total assets | 87.6631% | 1,243 |
| Equity capital to assets | 8.6582% | 4,769 |
| Core capital (leverage) ratio | 8.3700% | 4,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6445% | 1,701 |
| Memoranda: | ||
| Average total assets | $521,287,500 | 1,413 |
| Average earning assets | $497,970,000 | 1,387 |
| Average equity | $44,216,500 | 1,838 |
| Average total loans | $253,753,500 | 1,838 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8266% | 4,530 |
| Cost of funding earning assets | 0.4313% | 4,336 |
| Net interest margin | 3.3952% | 3,762 |
| Noninterest income to average assets | 0.8216% | 1,382 |
| Noninterest expense to average assets | 2.3435% | 3,838 |
| Loan and lease loss provision to assets | 0.0108% | 3,798 |
| Net operating income to assets | 1.3787% | 1,417 |
| Return on assets (ROA) | 1.3799% | 1,489 |
| Pretax return on assets | 1.6961% | 1,198 |
| Return on Equity (ROE) | 16.0152% | 534 |
| Retained earnings to average equity (ytd only) | 4.4083% | 2,757 |
| Net charge-offs to loans | 0.0224% | 2,963 |
| Credit loss provision to net charge-offs | 98.1818% | 2,534 |
| Earnings coverage of net charge-offs (x) | 155.0364% | 484 |
| Efficiency ratio | 57.8789% | 3,982 |
| Assets per employee ($millions) | 6.0221% | 1,619 |
| Cash dividends to net income (ytd only)* | 72.4743% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1149% | 2,853 |
| Loan loss allowance to noncurrent loans | 431.6891% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 3,998 |
| Noncurrent loans to loans | 0.2583% | 3,520 |
| Net loans and leases to total assets | 49.4603% | 4,347 |
| Net loans and leases to deposits | 56.8167% | 4,429 |
| Net loans and leases to core deposits | 58.4636% | 4,500 |
| Total domestic deposits to total assets | 87.0524% | 1,579 |
| Equity capital to assets | 8.3039% | 4,980 |
| Core capital (leverage) ratio | 8.1136% | 5,005 |
| Tier 1 risk-based capital ratio | 14.0918% | 3,222 |
| Total risk-based capital ratio | 15.0573% | 3,271 |
| Memoranda: | ||
| Average total assets | $499,979,600 | 1,428 |
| Average earning assets | $475,257,400 | 1,400 |
| Average equity | $43,077,800 | 1,816 |
| Average total loans | $244,995,000 | 1,853 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8480% | 4,610 |
| Cost of funding earning assets | 0.4252% | 4,418 |
| Net interest margin | 3.4228% | 3,800 |
| Noninterest income to average assets | 0.7744% | 1,506 |
| Noninterest expense to average assets | 2.3313% | 3,874 |
| Loan and lease loss provision to assets | 0.0051% | 3,775 |
| Net operating income to assets | 1.3752% | 1,546 |
| Return on assets (ROA) | 1.3761% | 1,619 |
| Pretax return on assets | 1.6882% | 1,370 |
| Return on Equity (ROE) | 15.8217% | 637 |
| Retained earnings to average equity (ytd only) | 15.8217% | 113 |
| Net charge-offs to loans | 0.0298% | 2,482 |
| Credit loss provision to net charge-offs | 35.1852% | 2,885 |
| Earnings coverage of net charge-offs (x) | 116.4600% | 668 |
| Efficiency ratio | 57.9416% | 3,946 |
| Assets per employee ($millions) | 5.8568% | 1,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 2,637 |
| Loan loss allowance to noncurrent loans | 414.8256% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.1350% | 4,054 |
| Noncurrent loans to loans | 0.2833% | 3,521 |
| Net loans and leases to total assets | 47.0965% | 4,544 |
| Net loans and leases to deposits | 53.8251% | 4,642 |
| Net loans and leases to core deposits | 55.3064% | 4,712 |
| Total domestic deposits to total assets | 87.4992% | 1,255 |
| Equity capital to assets | 9.1431% | 4,701 |
| Core capital (leverage) ratio | 9.0249% | 4,620 |
| Tier 1 risk-based capital ratio | 15.8719% | 2,485 |
| Total risk-based capital ratio | 16.8704% | 2,531 |
| Memoranda: | ||
| Average total assets | $495,498,500 | 1,444 |
| Average earning assets | $470,357,750 | 1,419 |
| Average equity | $43,095,750 | 1,826 |
| Average total loans | $241,482,500 | 1,885 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8277% | 4,680 |
| Cost of funding earning assets | 0.4087% | 4,476 |
| Net interest margin | 3.4189% | 3,836 |
| Noninterest income to average assets | 0.7457% | 1,538 |
| Noninterest expense to average assets | 2.3349% | 3,913 |
| Loan and lease loss provision to assets | 0.0029% | 3,647 |
| Net operating income to assets | 1.3573% | 1,549 |
| Return on assets (ROA) | 1.3590% | 1,609 |
| Pretax return on assets | 1.6617% | 1,361 |
| Return on Equity (ROE) | 15.9068% | 602 |
| Retained earnings to average equity (ytd only) | 15.9068% | 132 |
| Net charge-offs to loans | 0.0050% | 2,980 |
| Credit loss provision to net charge-offs | 116.6667% | 1,778 |
| Earnings coverage of net charge-offs (x) | 680.0000% | 117 |
| Efficiency ratio | 58.4098% | 3,952 |
| Assets per employee ($millions) | 5.7602% | 1,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1875% | 2,596 |
| Loan loss allowance to noncurrent loans | 480.0664% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.1215% | 4,140 |
| Noncurrent loans to loans | 0.2474% | 3,648 |
| Net loans and leases to total assets | 48.5440% | 4,550 |
| Net loans and leases to deposits | 55.3639% | 4,621 |
| Net loans and leases to core deposits | 56.4100% | 4,701 |
| Total domestic deposits to total assets | 87.6817% | 1,255 |
| Equity capital to assets | 8.9851% | 4,804 |
| Core capital (leverage) ratio | 8.8896% | 4,722 |
| Tier 1 risk-based capital ratio | 15.2998% | 2,712 |
| Total risk-based capital ratio | 16.3149% | 2,730 |
| Memoranda: | ||
| Average total assets | $490,816,330 | 1,457 |
| Average earning assets | $466,813,330 | 1,426 |
| Average equity | $41,931,670 | 1,864 |
| Average total loans | $241,032,670 | 1,892 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8025% | 4,709 |
| Cost of funding earning assets | 0.3904% | 4,525 |
| Net interest margin | 3.4121% | 3,857 |
| Noninterest income to average assets | 0.7164% | 1,553 |
| Noninterest expense to average assets | 2.3220% | 3,965 |
| Loan and lease loss provision to assets | 0.0049% | 3,363 |
| Net operating income to assets | 1.3357% | 1,577 |
| Return on assets (ROA) | 1.3371% | 1,605 |
| Pretax return on assets | 1.6326% | 1,389 |
| Return on Equity (ROE) | 16.0718% | 581 |
| Retained earnings to average equity (ytd only) | 16.0718% | 221 |
| Net charge-offs to loans | 0.0100% | 2,330 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 333.0000% | 241 |
| Efficiency ratio | 58.6678% | 3,992 |
| Assets per employee ($millions) | 5.7279% | 1,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2166% | 2,492 |
| Loan loss allowance to noncurrent loans | 1,343.2558% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.0442% | 4,613 |
| Noncurrent loans to loans | 0.0906% | 4,345 |
| Net loans and leases to total assets | 48.1625% | 4,579 |
| Net loans and leases to deposits | 54.7833% | 4,650 |
| Net loans and leases to core deposits | 55.7509% | 4,726 |
| Total domestic deposits to total assets | 87.9146% | 1,381 |
| Equity capital to assets | 8.6018% | 4,925 |
| Core capital (leverage) ratio | 8.5608% | 4,973 |
| Tier 1 risk-based capital ratio | 15.2150% | 2,787 |
| Total risk-based capital ratio | 16.2648% | 2,803 |
| Memoranda: | ||
| Average total assets | $488,536,000 | 1,469 |
| Average earning assets | $464,114,500 | 1,437 |
| Average equity | $40,642,500 | 1,903 |
| Average total loans | $239,866,000 | 1,916 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5491% | 4,858 |
| Cost of funding earning assets | 0.2676% | 4,725 |
| Net interest margin | 3.2815% | 4,302 |
| Noninterest income to average assets | 0.7714% | 1,562 |
| Noninterest expense to average assets | 2.3259% | 4,066 |
| Loan and lease loss provision to assets | 0.0038% | 4,032 |
| Net operating income to assets | 1.2943% | 1,828 |
| Return on assets (ROA) | 1.2974% | 1,802 |
| Pretax return on assets | 1.5666% | 1,562 |
| Return on Equity (ROE) | 15.5058% | 721 |
| Retained earnings to average equity (ytd only) | 3.0273% | 3,885 |
| Net charge-offs to loans | 0.0074% | 3,422 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 416.7778% | 249 |
| Efficiency ratio | 59.7532% | 3,904 |
| Assets per employee ($millions) | 5.6344% | 1,829 |
| Cash dividends to net income (ytd only)* | 80.4764% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 2,614 |
| Loan loss allowance to noncurrent loans | 738.8747% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.0798% | 4,421 |
| Noncurrent loans to loans | 0.1613% | 4,017 |
| Net loans and leases to total assets | 48.8506% | 4,589 |
| Net loans and leases to deposits | 56.0542% | 4,664 |
| Net loans and leases to core deposits | 56.4095% | 4,767 |
| Total domestic deposits to total assets | 87.1488% | 1,705 |
| Equity capital to assets | 8.0386% | 5,151 |
| Core capital (leverage) ratio | 8.2297% | 5,157 |
| Tier 1 risk-based capital ratio | 14.4593% | 3,078 |
| Total risk-based capital ratio | 15.4979% | 3,108 |
| Memoranda: | ||
| Average total assets | $478,872,200 | 1,461 |
| Average earning assets | $455,461,800 | 1,431 |
| Average equity | $40,068,800 | 1,856 |
| Average total loans | $241,798,600 | 1,869 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4753% | 4,952 |
| Cost of funding earning assets | 0.2569% | 4,750 |
| Net interest margin | 3.2185% | 4,478 |
| Noninterest income to average assets | 0.7627% | 1,618 |
| Noninterest expense to average assets | 2.3087% | 4,076 |
| Loan and lease loss provision to assets | 0.0059% | 3,857 |
| Net operating income to assets | 1.2487% | 2,054 |
| Return on assets (ROA) | 1.2559% | 2,029 |
| Pretax return on assets | 1.5203% | 1,835 |
| Return on Equity (ROE) | 14.8591% | 905 |
| Retained earnings to average equity (ytd only) | 14.8591% | 182 |
| Net charge-offs to loans | 0.0099% | 3,069 |
| Credit loss provision to net charge-offs | 116.6667% | 2,029 |
| Earnings coverage of net charge-offs (x) | 300.9925% | 312 |
| Efficiency ratio | 60.3397% | 3,763 |
| Assets per employee ($millions) | 5.4604% | 1,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1806% | 2,738 |
| Loan loss allowance to noncurrent loans | 669.4444% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.0909% | 4,514 |
| Noncurrent loans to loans | 0.1764% | 4,100 |
| Net loans and leases to total assets | 50.9539% | 4,529 |
| Net loans and leases to deposits | 58.3361% | 4,631 |
| Net loans and leases to core deposits | 58.7163% | 4,751 |
| Total domestic deposits to total assets | 87.3454% | 1,575 |
| Equity capital to assets | 8.8525% | 4,679 |
| Core capital (leverage) ratio | 9.1196% | 4,601 |
| Tier 1 risk-based capital ratio | 15.4731% | 2,663 |
| Total risk-based capital ratio | 16.5019% | 2,686 |
| Memoranda: | ||
| Average total assets | $476,041,000 | 1,471 |
| Average earning assets | $453,123,750 | 1,440 |
| Average equity | $40,234,750 | 1,848 |
| Average total loans | $241,660,000 | 1,880 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3870% | 5,054 |
| Cost of funding earning assets | 0.2456% | 4,771 |
| Net interest margin | 3.1414% | 4,641 |
| Noninterest income to average assets | 0.7754% | 1,553 |
| Noninterest expense to average assets | 2.2953% | 4,154 |
| Loan and lease loss provision to assets | 0.0109% | 3,638 |
| Net operating income to assets | 1.2088% | 2,161 |
| Return on assets (ROA) | 1.2192% | 2,101 |
| Pretax return on assets | 1.4728% | 1,914 |
| Return on Equity (ROE) | 14.6562% | 926 |
| Retained earnings to average equity (ytd only) | 14.6562% | 226 |
| Net charge-offs to loans | 0.0141% | 2,666 |
| Credit loss provision to net charge-offs | 152.9412% | 1,564 |
| Earnings coverage of net charge-offs (x) | 206.1176% | 414 |
| Efficiency ratio | 60.9408% | 3,777 |
| Assets per employee ($millions) | 5.4034% | 1,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 2,759 |
| Loan loss allowance to noncurrent loans | 739.2857% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.0824% | 4,596 |
| Noncurrent loans to loans | 0.1615% | 4,181 |
| Net loans and leases to total assets | 50.4212% | 4,584 |
| Net loans and leases to deposits | 57.5861% | 4,663 |
| Net loans and leases to core deposits | 57.7920% | 4,799 |
| Total domestic deposits to total assets | 87.5579% | 1,612 |
| Equity capital to assets | 8.5779% | 4,886 |
| Core capital (leverage) ratio | 8.7634% | 4,922 |
| Tier 1 risk-based capital ratio | 15.1207% | 2,815 |
| Total risk-based capital ratio | 16.1661% | 2,835 |
| Memoranda: | ||
| Average total assets | $476,370,330 | 1,478 |
| Average earning assets | $453,559,330 | 1,442 |
| Average equity | $39,628,330 | 1,880 |
| Average total loans | $240,563,330 | 1,884 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3077% | 5,132 |
| Cost of funding earning assets | 0.2334% | 4,808 |
| Net interest margin | 3.0743% | 4,753 |
| Noninterest income to average assets | 0.7382% | 1,665 |
| Noninterest expense to average assets | 2.3381% | 4,088 |
| Loan and lease loss provision to assets | 0.0126% | 3,368 |
| Net operating income to assets | 1.0984% | 2,427 |
| Return on assets (ROA) | 1.1174% | 2,365 |
| Pretax return on assets | 1.3381% | 2,225 |
| Return on Equity (ROE) | 13.6446% | 1,101 |
| Retained earnings to average equity (ytd only) | 13.6446% | 442 |
| Net charge-offs to loans | 0.0167% | 2,176 |
| Credit loss provision to net charge-offs | 150.0000% | 1,229 |
| Earnings coverage of net charge-offs (x) | 158.3000% | 414 |
| Efficiency ratio | 63.7757% | 3,516 |
| Assets per employee ($millions) | 5.5482% | 1,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 2,653 |
| Loan loss allowance to noncurrent loans | 1,598.8950% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 4,923 |
| Noncurrent loans to loans | 0.0767% | 4,641 |
| Net loans and leases to total assets | 48.8644% | 4,639 |
| Net loans and leases to deposits | 55.6274% | 4,715 |
| Net loans and leases to core deposits | 55.9589% | 4,845 |
| Total domestic deposits to total assets | 87.8424% | 1,706 |
| Equity capital to assets | 8.2542% | 5,140 |
| Core capital (leverage) ratio | 8.6111% | 5,052 |
| Tier 1 risk-based capital ratio | 14.8547% | 2,948 |
| Total risk-based capital ratio | 15.9195% | 2,953 |
| Memoranda: | ||
| Average total assets | $476,805,500 | 1,485 |
| Average earning assets | $454,092,000 | 1,447 |
| Average equity | $39,048,500 | 1,907 |
| Average total loans | $239,519,500 | 1,902 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2855% | 5,097 |
| Cost of funding earning assets | 0.1887% | 5,033 |
| Net interest margin | 3.0968% | 4,698 |
| Noninterest income to average assets | 0.7341% | 1,826 |
| Noninterest expense to average assets | 2.2052% | 4,520 |
| Loan and lease loss provision to assets | 0.0079% | 4,108 |
| Net operating income to assets | 0.9845% | 2,311 |
| Return on assets (ROA) | 0.9796% | 2,370 |
| Pretax return on assets | 1.4599% | 1,779 |
| Return on Equity (ROE) | 11.8184% | 1,263 |
| Retained earnings to average equity (ytd only) | 5.9946% | 1,545 |
| Net charge-offs to loans | 0.0145% | 3,603 |
| Credit loss provision to net charge-offs | 108.8235% | 2,395 |
| Earnings coverage of net charge-offs (x) | 202.2353% | 395 |
| Efficiency ratio | 59.9184% | 4,278 |
| Assets per employee ($millions) | 5.4766% | 1,960 |
| Cash dividends to net income (ytd only)* | 49.2773% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1889% | 2,844 |
| Loan loss allowance to noncurrent loans | 1,520.5263% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0399% | 4,935 |
| Noncurrent loans to loans | 0.0782% | 4,645 |
| Net loans and leases to total assets | 50.3923% | 4,629 |
| Net loans and leases to deposits | 57.7051% | 4,700 |
| Net loans and leases to core deposits | 57.9997% | 4,853 |
| Total domestic deposits to total assets | 87.3272% | 1,850 |
| Equity capital to assets | 8.1249% | 5,339 |
| Core capital (leverage) ratio | 8.2236% | 5,338 |
| Tier 1 risk-based capital ratio | 14.0888% | 3,310 |
| Total risk-based capital ratio | 15.1281% | 3,337 |
| Memoranda: | ||
| Average total assets | $466,122,200 | 1,490 |
| Average earning assets | $443,462,200 | 1,457 |
| Average equity | $38,634,800 | 1,913 |
| Average total loans | $234,883,800 | 1,906 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2374% | 5,187 |
| Cost of funding earning assets | 0.1850% | 5,101 |
| Net interest margin | 3.0525% | 4,806 |
| Noninterest income to average assets | 0.7430% | 1,816 |
| Noninterest expense to average assets | 2.1924% | 4,533 |
| Loan and lease loss provision to assets | 0.0098% | 3,940 |
| Net operating income to assets | 1.0496% | 2,330 |
| Return on assets (ROA) | 1.0496% | 2,372 |
| Pretax return on assets | 1.4459% | 1,960 |
| Return on Equity (ROE) | 12.5991% | 1,149 |
| Retained earnings to average equity (ytd only) | 12.5991% | 252 |
| Net charge-offs to loans | 0.0183% | 3,129 |
| Credit loss provision to net charge-offs | 106.2500% | 2,190 |
| Earnings coverage of net charge-offs (x) | 158.1399% | 521 |
| Efficiency ratio | 60.0962% | 4,194 |
| Assets per employee ($millions) | 5.3610% | 2,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2443% | 2,673 |
| Loan loss allowance to noncurrent loans | 241.4716% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.2564% | 4,032 |
| Noncurrent loans to loans | 0.5153% | 3,158 |
| Net loans and leases to total assets | 49.1447% | 4,760 |
| Net loans and leases to deposits | 56.1626% | 4,866 |
| Net loans and leases to core deposits | 56.3159% | 4,984 |
| Total domestic deposits to total assets | 87.5044% | 1,623 |
| Equity capital to assets | 8.7186% | 5,134 |
| Core capital (leverage) ratio | 8.6743% | 5,085 |
| Tier 1 risk-based capital ratio | 14.8631% | 2,981 |
| Total risk-based capital ratio | 15.9230% | 3,005 |
| Memoranda: | ||
| Average total assets | $463,537,250 | 1,509 |
| Average earning assets | $441,164,500 | 1,470 |
| Average equity | $38,615,500 | 1,927 |
| Average total loans | $232,857,500 | 1,927 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1917% | 5,251 |
| Cost of funding earning assets | 0.1831% | 5,116 |
| Net interest margin | 3.0086% | 4,896 |
| Noninterest income to average assets | 0.7302% | 1,860 |
| Noninterest expense to average assets | 2.2141% | 4,538 |
| Loan and lease loss provision to assets | 0.0195% | 3,584 |
| Net operating income to assets | 0.9918% | 2,463 |
| Return on assets (ROA) | 0.9918% | 2,517 |
| Pretax return on assets | 1.3598% | 2,167 |
| Return on Equity (ROE) | 12.0951% | 1,273 |
| Retained earnings to average equity (ytd only) | 12.0951% | 312 |
| Net charge-offs to loans | 0.0429% | 2,336 |
| Credit loss provision to net charge-offs | 90.0000% | 2,140 |
| Earnings coverage of net charge-offs (x) | 63.8000% | 909 |
| Efficiency ratio | 61.6171% | 4,069 |
| Assets per employee ($millions) | 5.1174% | 2,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2542% | 2,663 |
| Loan loss allowance to noncurrent loans | 252.0560% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.2510% | 4,120 |
| Noncurrent loans to loans | 0.4976% | 3,261 |
| Net loans and leases to total assets | 49.8044% | 4,722 |
| Net loans and leases to deposits | 56.9289% | 4,808 |
| Net loans and leases to core deposits | 57.0876% | 4,945 |
| Total domestic deposits to total assets | 87.4852% | 1,728 |
| Equity capital to assets | 8.6500% | 5,184 |
| Core capital (leverage) ratio | 8.5637% | 5,172 |
| Tier 1 risk-based capital ratio | 14.5358% | 3,144 |
| Total risk-based capital ratio | 15.6057% | 3,163 |
| Memoranda: | ||
| Average total assets | $462,581,670 | 1,514 |
| Average earning assets | $440,207,000 | 1,484 |
| Average equity | $37,932,670 | 1,953 |
| Average total loans | $233,109,670 | 1,932 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1183% | 5,349 |
| Cost of funding earning assets | 0.1813% | 5,142 |
| Net interest margin | 2.9370% | 5,013 |
| Noninterest income to average assets | 0.6959% | 1,990 |
| Noninterest expense to average assets | 2.2207% | 4,587 |
| Loan and lease loss provision to assets | 0.0009% | 3,531 |
| Net operating income to assets | 0.9302% | 2,617 |
| Return on assets (ROA) | 0.9302% | 2,669 |
| Pretax return on assets | 1.2683% | 2,356 |
| Return on Equity (ROE) | 11.6556% | 1,349 |
| Retained earnings to average equity (ytd only) | 11.6556% | 508 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6341% | 3,898 |
| Assets per employee ($millions) | 5.4865% | 1,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2515% | 2,814 |
| Loan loss allowance to noncurrent loans | 272.3585% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.2273% | 4,310 |
| Noncurrent loans to loans | 0.4595% | 3,454 |
| Net loans and leases to total assets | 48.8447% | 4,760 |
| Net loans and leases to deposits | 55.5777% | 4,847 |
| Net loans and leases to core deposits | 55.7695% | 4,988 |
| Total domestic deposits to total assets | 87.8855% | 1,780 |
| Equity capital to assets | 8.1250% | 5,462 |
| Core capital (leverage) ratio | 8.2462% | 5,407 |
| Tier 1 risk-based capital ratio | 14.1620% | 3,381 |
| Total risk-based capital ratio | 15.2398% | 3,397 |
| Memoranda: | ||
| Average total assets | $466,149,500 | 1,512 |
| Average earning assets | $443,440,000 | 1,472 |
| Average equity | $37,201,000 | 1,981 |
| Average total loans | $234,808,000 | 1,928 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2349% | 5,252 |
| Cost of funding earning assets | 0.1829% | 5,180 |
| Net interest margin | 3.0520% | 4,844 |
| Noninterest income to average assets | 0.8538% | 1,560 |
| Noninterest expense to average assets | 2.1601% | 4,861 |
| Loan and lease loss provision to assets | 0.0326% | 3,701 |
| Net operating income to assets | 1.1282% | 1,785 |
| Return on assets (ROA) | 1.1264% | 1,878 |
| Pretax return on assets | 1.5604% | 1,400 |
| Return on Equity (ROE) | 13.4932% | 881 |
| Retained earnings to average equity (ytd only) | 5.9596% | 1,728 |
| Net charge-offs to loans | 0.0511% | 3,022 |
| Credit loss provision to net charge-offs | 121.8487% | 2,181 |
| Earnings coverage of net charge-offs (x) | 59.6891% | 893 |
| Efficiency ratio | 57.5179% | 4,905 |
| Assets per employee ($millions) | 5.4818% | 1,878 |
| Cash dividends to net income (ytd only)* | 55.8325% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2078% | 3,076 |
| Loan loss allowance to noncurrent loans | 285.7426% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.2168% | 4,445 |
| Noncurrent loans to loans | 0.4227% | 3,627 |
| Net loans and leases to total assets | 50.6612% | 4,713 |
| Net loans and leases to deposits | 57.8835% | 4,796 |
| Net loans and leases to core deposits | 58.1268% | 4,956 |
| Total domestic deposits to total assets | 87.5227% | 1,860 |
| Equity capital to assets | 7.8358% | 5,627 |
| Core capital (leverage) ratio | 7.9922% | 5,626 |
| Tier 1 risk-based capital ratio | 13.6259% | 3,694 |
| Total risk-based capital ratio | 14.6931% | 3,702 |
| Memoranda: | ||
| Average total assets | $445,205,400 | 1,524 |
| Average earning assets | $423,294,600 | 1,489 |
| Average equity | $37,166,800 | 1,969 |
| Average total loans | $233,007,400 | 1,884 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2615% | 5,263 |
| Cost of funding earning assets | 0.1829% | 5,241 |
| Net interest margin | 3.0786% | 4,833 |
| Noninterest income to average assets | 0.8360% | 1,621 |
| Noninterest expense to average assets | 2.1944% | 4,780 |
| Loan and lease loss provision to assets | 0.0258% | 3,728 |
| Net operating income to assets | 1.1182% | 1,925 |
| Return on assets (ROA) | 1.1184% | 2,031 |
| Pretax return on assets | 1.5444% | 1,560 |
| Return on Equity (ROE) | 13.1827% | 1,003 |
| Retained earnings to average equity (ytd only) | 13.1827% | 214 |
| Net charge-offs to loans | 0.0685% | 2,345 |
| Credit loss provision to net charge-offs | 71.4286% | 2,765 |
| Earnings coverage of net charge-offs (x) | 43.5386% | 1,173 |
| Efficiency ratio | 58.2951% | 4,774 |
| Assets per employee ($millions) | 5.5579% | 1,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 3,098 |
| Loan loss allowance to noncurrent loans | 199.5763% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.3107% | 4,165 |
| Noncurrent loans to loans | 0.6132% | 3,179 |
| Net loans and leases to total assets | 50.0457% | 4,819 |
| Net loans and leases to deposits | 57.1825% | 4,921 |
| Net loans and leases to core deposits | 57.4281% | 5,081 |
| Total domestic deposits to total assets | 87.5194% | 1,651 |
| Equity capital to assets | 8.6289% | 5,449 |
| Core capital (leverage) ratio | 8.5969% | 5,266 |
| Tier 1 risk-based capital ratio | 14.6670% | 3,207 |
| Total risk-based capital ratio | 15.7485% | 3,220 |
| Memoranda: | ||
| Average total assets | $440,019,250 | 1,541 |
| Average earning assets | $418,530,750 | 1,504 |
| Average equity | $37,330,750 | 1,975 |
| Average total loans | $231,523,750 | 1,900 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2841% | 5,317 |
| Cost of funding earning assets | 0.1833% | 5,292 |
| Net interest margin | 3.1008% | 4,830 |
| Noninterest income to average assets | 0.8128% | 1,663 |
| Noninterest expense to average assets | 2.2007% | 4,844 |
| Loan and lease loss provision to assets | 0.0198% | 3,747 |
| Net operating income to assets | 1.1184% | 1,894 |
| Return on assets (ROA) | 1.1187% | 2,007 |
| Pretax return on assets | 1.5419% | 1,552 |
| Return on Equity (ROE) | 13.2658% | 964 |
| Retained earnings to average equity (ytd only) | 13.2658% | 223 |
| Net charge-offs to loans | 0.1113% | 1,712 |
| Credit loss provision to net charge-offs | 33.3333% | 2,826 |
| Earnings coverage of net charge-offs (x) | 26.3101% | 1,491 |
| Efficiency ratio | 58.4984% | 4,834 |
| Assets per employee ($millions) | 5.1212% | 2,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1922% | 3,409 |
| Loan loss allowance to noncurrent loans | 2,667.3077% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0239% | 5,495 |
| Noncurrent loans to loans | 0.0447% | 5,279 |
| Net loans and leases to total assets | 52.8130% | 4,608 |
| Net loans and leases to deposits | 60.4589% | 4,767 |
| Net loans and leases to core deposits | 60.8125% | 4,946 |
| Total domestic deposits to total assets | 87.3536% | 1,738 |
| Equity capital to assets | 8.8056% | 5,399 |
| Core capital (leverage) ratio | 8.4353% | 5,416 |
| Tier 1 risk-based capital ratio | 14.2766% | 3,452 |
| Total risk-based capital ratio | 15.3451% | 3,468 |
| Memoranda: | ||
| Average total assets | $434,776,670 | 1,565 |
| Average earning assets | $413,501,330 | 1,523 |
| Average equity | $36,665,670 | 2,009 |
| Average total loans | $231,729,000 | 1,897 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2718% | 5,372 |
| Cost of funding earning assets | 0.1821% | 5,357 |
| Net interest margin | 3.0897% | 4,891 |
| Noninterest income to average assets | 0.7171% | 1,955 |
| Noninterest expense to average assets | 2.2195% | 4,860 |
| Loan and lease loss provision to assets | 0.0101% | 3,559 |
| Net operating income to assets | 1.0396% | 2,122 |
| Return on assets (ROA) | 1.0402% | 2,238 |
| Pretax return on assets | 1.4250% | 1,823 |
| Return on Equity (ROE) | 12.6141% | 1,125 |
| Retained earnings to average equity (ytd only) | 12.6141% | 427 |
| Net charge-offs to loans | 0.2197% | 923 |
| Credit loss provision to net charge-offs | 8.6614% | 2,369 |
| Earnings coverage of net charge-offs (x) | 12.2677% | 1,807 |
| Efficiency ratio | 60.7458% | 4,641 |
| Assets per employee ($millions) | 5.3501% | 1,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 3,520 |
| Loan loss allowance to noncurrent loans | 2,564.4860% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0241% | 5,549 |
| Noncurrent loans to loans | 0.0465% | 5,302 |
| Net loans and leases to total assets | 51.1584% | 4,712 |
| Net loans and leases to deposits | 58.2690% | 4,835 |
| Net loans and leases to core deposits | 58.6799% | 5,013 |
| Total domestic deposits to total assets | 87.7970% | 1,750 |
| Equity capital to assets | 8.2215% | 5,733 |
| Core capital (leverage) ratio | 8.2414% | 5,617 |
| Tier 1 risk-based capital ratio | 14.1841% | 3,576 |
| Total risk-based capital ratio | 15.2724% | 3,608 |
| Memoranda: | ||
| Average total assets | $434,514,000 | 1,566 |
| Average earning assets | $412,979,000 | 1,529 |
| Average equity | $35,833,000 | 2,041 |
| Average total loans | $231,258,500 | 1,906 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3909% | 5,181 |
| Cost of funding earning assets | 0.1908% | 5,360 |
| Net interest margin | 3.2001% | 4,631 |
| Noninterest income to average assets | 0.7833% | 1,851 |
| Noninterest expense to average assets | 2.2610% | 4,899 |
| Loan and lease loss provision to assets | 0.0012% | 4,362 |
| Net operating income to assets | 1.1356% | 1,787 |
| Return on assets (ROA) | 1.1333% | 1,858 |
| Pretax return on assets | 1.5451% | 1,419 |
| Return on Equity (ROE) | 13.2447% | 1,007 |
| Retained earnings to average equity (ytd only) | 6.0792% | 1,750 |
| Net charge-offs to loans | 0.0576% | 3,067 |
| Credit loss provision to net charge-offs | 3.8760% | 3,872 |
| Earnings coverage of net charge-offs (x) | 48.9767% | 1,020 |
| Efficiency ratio | 59.3358% | 4,990 |
| Assets per employee ($millions) | 5.1201% | 2,212 |
| Cash dividends to net income (ytd only)* | 54.1008% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2296% | 3,299 |
| Loan loss allowance to noncurrent loans | 805.6338% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.0835% | 5,298 |
| Noncurrent loans to loans | 0.1526% | 4,884 |
| Net loans and leases to total assets | 54.0603% | 4,494 |
| Net loans and leases to deposits | 62.1908% | 4,620 |
| Net loans and leases to core deposits | 62.7086% | 4,826 |
| Total domestic deposits to total assets | 86.9264% | 2,179 |
| Equity capital to assets | 8.2730% | 5,724 |
| Core capital (leverage) ratio | 8.1603% | 5,723 |
| Tier 1 risk-based capital ratio | 13.7296% | 3,869 |
| Total risk-based capital ratio | 14.8634% | 3,872 |
| Memoranda: | ||
| Average total assets | $407,744,800 | 1,621 |
| Average earning assets | $385,708,800 | 1,588 |
| Average equity | $34,889,400 | 2,041 |
| Average total loans | $223,885,600 | 1,899 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4022% | 5,198 |
| Cost of funding earning assets | 0.1922% | 5,445 |
| Net interest margin | 3.2100% | 4,641 |
| Noninterest income to average assets | 0.7981% | 1,813 |
| Noninterest expense to average assets | 2.3098% | 4,752 |
| Loan and lease loss provision to assets | 0.0013% | 4,218 |
| Net operating income to assets | 1.1201% | 1,921 |
| Return on assets (ROA) | 1.1194% | 1,999 |
| Pretax return on assets | 1.5219% | 1,619 |
| Return on Equity (ROE) | 12.9684% | 1,129 |
| Retained earnings to average equity (ytd only) | 12.9684% | 280 |
| Net charge-offs to loans | 0.0848% | 2,335 |
| Credit loss provision to net charge-offs | 2.8369% | 3,506 |
| Earnings coverage of net charge-offs (x) | 32.7084% | 1,413 |
| Efficiency ratio | 60.2448% | 4,859 |
| Assets per employee ($millions) | 5.0627% | 2,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2594% | 3,312 |
| Loan loss allowance to noncurrent loans | 1,768.3230% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0470% | 5,586 |
| Noncurrent loans to loans | 0.0712% | 5,340 |
| Net loans and leases to total assets | 53.7690% | 4,585 |
| Net loans and leases to deposits | 61.5949% | 4,748 |
| Net loans and leases to core deposits | 62.1226% | 4,934 |
| Total domestic deposits to total assets | 87.2944% | 1,895 |
| Equity capital to assets | 8.8052% | 5,485 |
| Core capital (leverage) ratio | 8.6416% | 5,420 |
| Tier 1 risk-based capital ratio | 14.4256% | 3,616 |
| Total risk-based capital ratio | 15.5696% | 3,586 |
| Memoranda: | ||
| Average total assets | $403,438,000 | 1,651 |
| Average earning assets | $381,552,250 | 1,610 |
| Average equity | $34,822,250 | 2,063 |
| Average total loans | $221,706,750 | 1,920 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4122% | 5,203 |
| Cost of funding earning assets | 0.1912% | 5,520 |
| Net interest margin | 3.2211% | 4,600 |
| Noninterest income to average assets | 0.7904% | 1,817 |
| Noninterest expense to average assets | 2.3227% | 4,789 |
| Loan and lease loss provision to assets | 0.0005% | 4,066 |
| Net operating income to assets | 1.1124% | 1,900 |
| Return on assets (ROA) | 1.1113% | 1,989 |
| Pretax return on assets | 1.5107% | 1,619 |
| Return on Equity (ROE) | 12.9654% | 1,122 |
| Retained earnings to average equity (ytd only) | 12.9654% | 311 |
| Net charge-offs to loans | 0.1298% | 1,723 |
| Credit loss provision to net charge-offs | 0.6993% | 3,155 |
| Earnings coverage of net charge-offs (x) | 21.1329% | 1,686 |
| Efficiency ratio | 60.5586% | 4,905 |
| Assets per employee ($millions) | 4.9596% | 2,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2853% | 3,326 |
| Loan loss allowance to noncurrent loans | 1,406.9307% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.0503% | 5,656 |
| Noncurrent loans to loans | 0.0914% | 5,377 |
| Net loans and leases to total assets | 54.3338% | 4,517 |
| Net loans and leases to deposits | 62.4802% | 4,665 |
| Net loans and leases to core deposits | 62.9941% | 4,878 |
| Total domestic deposits to total assets | 86.9616% | 2,192 |
| Equity capital to assets | 8.7509% | 5,485 |
| Core capital (leverage) ratio | 8.4998% | 5,532 |
| Tier 1 risk-based capital ratio | 14.3678% | 3,719 |
| Total risk-based capital ratio | 15.5435% | 3,687 |
| Memoranda: | ||
| Average total assets | $399,537,000 | 1,674 |
| Average earning assets | $377,701,670 | 1,632 |
| Average equity | $34,245,000 | 2,104 |
| Average total loans | $220,254,330 | 1,940 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3845% | 5,236 |
| Cost of funding earning assets | 0.1872% | 5,627 |
| Net interest margin | 3.1973% | 4,624 |
| Noninterest income to average assets | 0.7489% | 1,922 |
| Noninterest expense to average assets | 2.3381% | 4,773 |
| Loan and lease loss provision to assets | -0.0010% | 6,065 |
| Net operating income to assets | 1.0531% | 2,020 |
| Return on assets (ROA) | 1.0531% | 2,158 |
| Pretax return on assets | 1.4296% | 1,777 |
| Return on Equity (ROE) | 12.4179% | 1,241 |
| Retained earnings to average equity (ytd only) | 12.4179% | 514 |
| Net charge-offs to loans | 0.1729% | 1,239 |
| Credit loss provision to net charge-offs | -1.0526% | 4,273 |
| Earnings coverage of net charge-offs (x) | 14.9789% | 1,649 |
| Efficiency ratio | 62.0736% | 4,785 |
| Assets per employee ($millions) | 4.9757% | 2,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3286% | 3,251 |
| Loan loss allowance to noncurrent loans | 707.8431% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.1012% | 5,544 |
| Noncurrent loans to loans | 0.1877% | 5,110 |
| Net loans and leases to total assets | 53.2165% | 4,530 |
| Net loans and leases to deposits | 61.1177% | 4,649 |
| Net loans and leases to core deposits | 61.6227% | 4,864 |
| Total domestic deposits to total assets | 87.0722% | 2,333 |
| Equity capital to assets | 8.5378% | 5,713 |
| Core capital (leverage) ratio | 8.4858% | 5,531 |
| Tier 1 risk-based capital ratio | 14.1191% | 3,937 |
| Total risk-based capital ratio | 15.3341% | 3,880 |
| Memoranda: | ||
| Average total assets | $398,441,500 | 1,681 |
| Average earning assets | $376,064,000 | 1,642 |
| Average equity | $33,790,000 | 2,136 |
| Average total loans | $219,823,500 | 1,939 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4597% | 5,418 |
| Cost of funding earning assets | 0.2050% | 5,703 |
| Net interest margin | 3.2547% | 4,733 |
| Noninterest income to average assets | 0.8070% | 1,847 |
| Noninterest expense to average assets | 2.3411% | 4,996 |
| Loan and lease loss provision to assets | 0.0003% | 4,601 |
| Net operating income to assets | 1.1326% | 1,848 |
| Return on assets (ROA) | 1.1273% | 1,931 |
| Pretax return on assets | 1.5290% | 1,443 |
| Return on Equity (ROE) | 13.3167% | 1,075 |
| Retained earnings to average equity (ytd only) | 5.7124% | 2,126 |
| Net charge-offs to loans | 0.0275% | 4,266 |
| Credit loss provision to net charge-offs | 1.7241% | 4,191 |
| Earnings coverage of net charge-offs (x) | 102.8793% | 513 |
| Efficiency ratio | 60.3759% | 5,168 |
| Assets per employee ($millions) | 4.8624% | 2,520 |
| Cash dividends to net income (ytd only)* | 57.1037% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3425% | 3,215 |
| Loan loss allowance to noncurrent loans | 546.5201% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.1386% | 5,481 |
| Noncurrent loans to loans | 0.2456% | 4,952 |
| Net loans and leases to total assets | 55.6798% | 4,372 |
| Net loans and leases to deposits | 64.4545% | 4,482 |
| Net loans and leases to core deposits | 65.0713% | 4,750 |
| Total domestic deposits to total assets | 86.3863% | 2,627 |
| Equity capital to assets | 8.4219% | 5,814 |
| Core capital (leverage) ratio | 8.1821% | 5,866 |
| Tier 1 risk-based capital ratio | 13.5998% | 4,346 |
| Total risk-based capital ratio | 14.8480% | 4,288 |
| Memoranda: | ||
| Average total assets | $388,367,800 | 1,685 |
| Average earning assets | $366,393,200 | 1,641 |
| Average equity | $32,876,000 | 2,117 |
| Average total loans | $210,615,400 | 1,968 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4559% | 5,480 |
| Cost of funding earning assets | 0.2106% | 5,747 |
| Net interest margin | 3.2453% | 4,807 |
| Noninterest income to average assets | 0.7476% | 2,105 |
| Noninterest expense to average assets | 2.4127% | 4,789 |
| Loan and lease loss provision to assets | -0.0007% | 6,055 |
| Net operating income to assets | 1.0424% | 2,270 |
| Return on assets (ROA) | 1.0449% | 2,316 |
| Pretax return on assets | 1.4026% | 1,997 |
| Return on Equity (ROE) | 12.3280% | 1,388 |
| Retained earnings to average equity (ytd only) | 12.3280% | 388 |
| Net charge-offs to loans | 0.0263% | 3,980 |
| Credit loss provision to net charge-offs | -4.8780% | 5,219 |
| Earnings coverage of net charge-offs (x) | 98.9914% | 590 |
| Efficiency ratio | 63.3068% | 4,664 |
| Assets per employee ($millions) | 4.7396% | 2,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4350% | 3,015 |
| Loan loss allowance to noncurrent loans | 422.2535% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.1805% | 5,487 |
| Noncurrent loans to loans | 0.3398% | 4,879 |
| Net loans and leases to total assets | 52.3473% | 4,767 |
| Net loans and leases to deposits | 60.5428% | 4,896 |
| Net loans and leases to core deposits | 61.1220% | 5,108 |
| Total domestic deposits to total assets | 86.4634% | 2,605 |
| Equity capital to assets | 8.7512% | 5,593 |
| Core capital (leverage) ratio | 8.5313% | 5,622 |
| Tier 1 risk-based capital ratio | 14.7739% | 3,717 |
| Total risk-based capital ratio | 16.0245% | 3,657 |
| Memoranda: | ||
| Average total assets | $386,996,750 | 1,700 |
| Average earning assets | $365,320,500 | 1,658 |
| Average equity | $32,802,500 | 2,127 |
| Average total loans | $207,699,250 | 1,998 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3909% | 5,635 |
| Cost of funding earning assets | 0.2117% | 5,814 |
| Net interest margin | 3.1792% | 5,013 |
| Noninterest income to average assets | 0.7421% | 2,082 |
| Noninterest expense to average assets | 2.4211% | 4,818 |
| Loan and lease loss provision to assets | -0.0010% | 6,204 |
| Net operating income to assets | 0.9902% | 2,361 |
| Return on assets (ROA) | 0.9894% | 2,444 |
| Pretax return on assets | 1.3179% | 2,190 |
| Return on Equity (ROE) | 11.8036% | 1,481 |
| Retained earnings to average equity (ytd only) | 11.8036% | 446 |
| Net charge-offs to loans | 0.0299% | 3,595 |
| Credit loss provision to net charge-offs | -6.4516% | 5,064 |
| Earnings coverage of net charge-offs (x) | 81.8065% | 648 |
| Efficiency ratio | 64.7533% | 4,578 |
| Assets per employee ($millions) | 4.8369% | 2,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4388% | 3,153 |
| Loan loss allowance to noncurrent loans | 765.3944% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.1003% | 5,850 |
| Noncurrent loans to loans | 0.1880% | 5,449 |
| Net loans and leases to total assets | 52.5930% | 4,687 |
| Net loans and leases to deposits | 60.7465% | 4,808 |
| Net loans and leases to core deposits | 61.3305% | 5,026 |
| Total domestic deposits to total assets | 86.5779% | 2,714 |
| Equity capital to assets | 8.5279% | 5,777 |
| Core capital (leverage) ratio | 8.3945% | 5,747 |
| Tier 1 risk-based capital ratio | 14.1418% | 4,159 |
| Total risk-based capital ratio | 15.3926% | 4,099 |
| Memoranda: | ||
| Average total assets | $384,867,670 | 1,708 |
| Average earning assets | $362,794,330 | 1,664 |
| Average equity | $32,261,330 | 2,149 |
| Average total loans | $207,291,000 | 1,998 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3983% | 5,651 |
| Cost of funding earning assets | 0.2134% | 5,893 |
| Net interest margin | 3.1849% | 4,972 |
| Noninterest income to average assets | 0.6806% | 2,283 |
| Noninterest expense to average assets | 2.4268% | 4,856 |
| Loan and lease loss provision to assets | -0.0010% | 6,361 |
| Net operating income to assets | 0.9523% | 2,396 |
| Return on assets (ROA) | 0.9523% | 2,468 |
| Pretax return on assets | 1.2595% | 2,249 |
| Return on Equity (ROE) | 11.4623% | 1,555 |
| Retained earnings to average equity (ytd only) | 11.4623% | 679 |
| Net charge-offs to loans | -0.0194% | 5,337 |
| Credit loss provision to net charge-offs | 10.0000% | 2,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8509% | 4,554 |
| Assets per employee ($millions) | 4.8217% | 2,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4970% | 3,157 |
| Loan loss allowance to noncurrent loans | 277.5250% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 5,306 |
| Noncurrent loans to loans | 0.5394% | 4,555 |
| Net loans and leases to total assets | 52.0273% | 4,673 |
| Net loans and leases to deposits | 59.9747% | 4,765 |
| Net loans and leases to core deposits | 60.5409% | 4,986 |
| Total domestic deposits to total assets | 86.7488% | 2,966 |
| Equity capital to assets | 8.3583% | 5,778 |
| Core capital (leverage) ratio | 8.2715% | 5,876 |
| Tier 1 risk-based capital ratio | 14.1645% | 4,217 |
| Total risk-based capital ratio | 15.4161% | 4,164 |
| Memoranda: | ||
| Average total assets | $381,408,500 | 1,736 |
| Average earning assets | $359,827,000 | 1,692 |
| Average equity | $31,686,500 | 2,172 |
| Average total loans | $206,406,500 | 1,999 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4125% | 5,818 |
| Cost of funding earning assets | 0.2438% | 6,010 |
| Net interest margin | 3.1686% | 5,095 |
| Noninterest income to average assets | 1.0111% | 1,371 |
| Noninterest expense to average assets | 2.3834% | 5,117 |
| Loan and lease loss provision to assets | 0.0035% | 5,042 |
| Net operating income to assets | 1.1893% | 1,615 |
| Return on assets (ROA) | 1.1659% | 1,754 |
| Pretax return on assets | 1.5733% | 1,236 |
| Return on Equity (ROE) | 13.9056% | 972 |
| Retained earnings to average equity (ytd only) | 6.8175% | 1,522 |
| Net charge-offs to loans | 0.1320% | 3,485 |
| Credit loss provision to net charge-offs | 5.0388% | 4,648 |
| Earnings coverage of net charge-offs (x) | 23.0775% | 1,427 |
| Efficiency ratio | 59.7077% | 5,507 |
| Assets per employee ($millions) | 4.7135% | 2,568 |
| Cash dividends to net income (ytd only)* | 50.9731% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4545% | 3,403 |
| Loan loss allowance to noncurrent loans | 262.3814% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.3074% | 5,341 |
| Noncurrent loans to loans | 0.5543% | 4,603 |
| Net loans and leases to total assets | 54.6392% | 4,512 |
| Net loans and leases to deposits | 62.8826% | 4,627 |
| Net loans and leases to core deposits | 63.4885% | 4,920 |
| Total domestic deposits to total assets | 86.8908% | 2,784 |
| Equity capital to assets | 8.2561% | 5,818 |
| Core capital (leverage) ratio | 8.1702% | 6,001 |
| Tier 1 risk-based capital ratio | 13.5601% | 4,609 |
| Total risk-based capital ratio | 14.8115% | 4,554 |
| Memoranda: | ||
| Average total assets | $370,178,000 | 1,764 |
| Average earning assets | $348,224,200 | 1,718 |
| Average equity | $31,037,800 | 2,190 |
| Average total loans | $195,483,800 | 2,043 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3904% | 5,901 |
| Cost of funding earning assets | 0.2503% | 6,081 |
| Net interest margin | 3.1401% | 5,198 |
| Noninterest income to average assets | 0.9980% | 1,461 |
| Noninterest expense to average assets | 2.4129% | 4,988 |
| Loan and lease loss provision to assets | 0.0033% | 4,890 |
| Net operating income to assets | 1.1430% | 1,842 |
| Return on assets (ROA) | 1.1243% | 1,983 |
| Pretax return on assets | 1.5083% | 1,581 |
| Return on Equity (ROE) | 13.3570% | 1,151 |
| Retained earnings to average equity (ytd only) | 13.3570% | 304 |
| Net charge-offs to loans | 0.0403% | 4,339 |
| Credit loss provision to net charge-offs | 15.5172% | 4,141 |
| Earnings coverage of net charge-offs (x) | 73.2082% | 644 |
| Efficiency ratio | 61.0958% | 5,267 |
| Assets per employee ($millions) | 4.5451% | 2,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6635% | 2,755 |
| Loan loss allowance to noncurrent loans | 233.0454% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.3786% | 5,273 |
| Noncurrent loans to loans | 0.7138% | 4,426 |
| Net loans and leases to total assets | 51.3431% | 4,955 |
| Net loans and leases to deposits | 59.3901% | 5,048 |
| Net loans and leases to core deposits | 59.8588% | 5,311 |
| Total domestic deposits to total assets | 86.4506% | 2,987 |
| Equity capital to assets | 8.6470% | 5,572 |
| Core capital (leverage) ratio | 8.5131% | 5,754 |
| Tier 1 risk-based capital ratio | 14.7659% | 3,901 |
| Total risk-based capital ratio | 16.0191% | 3,861 |
| Memoranda: | ||
| Average total assets | $368,452,750 | 1,781 |
| Average earning assets | $346,302,250 | 1,742 |
| Average equity | $31,014,250 | 2,213 |
| Average total loans | $192,086,250 | 2,074 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3822% | 5,946 |
| Cost of funding earning assets | 0.2554% | 6,137 |
| Net interest margin | 3.1268% | 5,198 |
| Noninterest income to average assets | 1.0255% | 1,451 |
| Noninterest expense to average assets | 2.4226% | 4,990 |
| Loan and lease loss provision to assets | 0.0044% | 4,733 |
| Net operating income to assets | 1.1465% | 1,763 |
| Return on assets (ROA) | 1.1388% | 1,896 |
| Pretax return on assets | 1.5306% | 1,535 |
| Return on Equity (ROE) | 13.6557% | 1,083 |
| Retained earnings to average equity (ytd only) | 13.6557% | 326 |
| Net charge-offs to loans | -0.0031% | 5,572 |
| Credit loss provision to net charge-offs | -266.6667% | 5,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0547% | 5,320 |
| Assets per employee ($millions) | 4.5791% | 2,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7030% | 2,771 |
| Loan loss allowance to noncurrent loans | 213.9520% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.4207% | 5,228 |
| Noncurrent loans to loans | 0.7960% | 4,322 |
| Net loans and leases to total assets | 51.9476% | 4,872 |
| Net loans and leases to deposits | 60.2471% | 4,946 |
| Net loans and leases to core deposits | 60.7318% | 5,196 |
| Total domestic deposits to total assets | 86.2241% | 3,247 |
| Equity capital to assets | 8.4997% | 5,762 |
| Core capital (leverage) ratio | 8.3858% | 5,780 |
| Tier 1 risk-based capital ratio | 14.6451% | 4,002 |
| Total risk-based capital ratio | 15.8992% | 3,964 |
| Memoranda: | ||
| Average total assets | $367,038,670 | 1,784 |
| Average earning assets | $345,397,670 | 1,744 |
| Average equity | $30,610,000 | 2,246 |
| Average total loans | $191,251,670 | 2,088 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3755% | 5,996 |
| Cost of funding earning assets | 0.2632% | 6,203 |
| Net interest margin | 3.1123% | 5,216 |
| Noninterest income to average assets | 1.0528% | 1,337 |
| Noninterest expense to average assets | 2.4203% | 5,059 |
| Loan and lease loss provision to assets | -0.0011% | 6,713 |
| Net operating income to assets | 1.1552% | 1,651 |
| Return on assets (ROA) | 1.1399% | 1,831 |
| Pretax return on assets | 1.5351% | 1,468 |
| Return on Equity (ROE) | 13.8006% | 999 |
| Retained earnings to average equity (ytd only) | 13.8006% | 468 |
| Net charge-offs to loans | -0.0063% | 5,314 |
| Credit loss provision to net charge-offs | 33.3333% | 2,834 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8874% | 5,463 |
| Assets per employee ($millions) | 4.6002% | 2,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7836% | 2,677 |
| Loan loss allowance to noncurrent loans | 512.9485% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.1864% | 6,012 |
| Noncurrent loans to loans | 0.3477% | 5,527 |
| Net loans and leases to total assets | 49.1980% | 5,087 |
| Net loans and leases to deposits | 57.1752% | 5,118 |
| Net loans and leases to core deposits | 57.7281% | 5,364 |
| Total domestic deposits to total assets | 86.0479% | 3,503 |
| Equity capital to assets | 8.3806% | 6,120 |
| Core capital (leverage) ratio | 8.1842% | 5,943 |
| Tier 1 risk-based capital ratio | 15.1178% | 3,759 |
| Total risk-based capital ratio | 16.3732% | 3,710 |
| Memoranda: | ||
| Average total assets | $367,393,500 | 1,794 |
| Average earning assets | $344,955,000 | 1,756 |
| Average equity | $30,346,500 | 2,273 |
| Average total loans | $190,079,500 | 2,113 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8019% | 5,816 |
| Cost of funding earning assets | 0.3417% | 6,266 |
| Net interest margin | 3.4602% | 4,668 |
| Noninterest income to average assets | 1.0813% | 1,328 |
| Noninterest expense to average assets | 2.5241% | 5,014 |
| Loan and lease loss provision to assets | 0.0396% | 5,374 |
| Net operating income to assets | 1.3107% | 1,270 |
| Return on assets (ROA) | 1.3115% | 1,408 |
| Pretax return on assets | 1.7667% | 983 |
| Return on Equity (ROE) | 15.7129% | 704 |
| Retained earnings to average equity (ytd only) | 10.5157% | 499 |
| Net charge-offs to loans | 0.0377% | 5,392 |
| Credit loss provision to net charge-offs | 192.9577% | 1,356 |
| Earnings coverage of net charge-offs (x) | 87.9155% | 443 |
| Efficiency ratio | 58.3033% | 5,786 |
| Assets per employee ($millions) | 4.4728% | 3,011 |
| Cash dividends to net income (ytd only)* | 33.0761% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6781% | 3,013 |
| Loan loss allowance to noncurrent loans | 885.7143% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 6,294 |
| Noncurrent loans to loans | 0.1895% | 5,996 |
| Net loans and leases to total assets | 52.4928% | 4,847 |
| Net loans and leases to deposits | 61.5492% | 4,837 |
| Net loans and leases to core deposits | 62.0967% | 5,144 |
| Total domestic deposits to total assets | 85.2860% | 3,718 |
| Equity capital to assets | 8.1388% | 6,329 |
| Core capital (leverage) ratio | 8.1484% | 6,043 |
| Tier 1 risk-based capital ratio | 13.7684% | 4,554 |
| Total risk-based capital ratio | 15.0227% | 4,503 |
| Memoranda: | ||
| Average total assets | $345,784,400 | 1,869 |
| Average earning assets | $324,578,800 | 1,832 |
| Average equity | $28,861,600 | 2,331 |
| Average total loans | $188,298,200 | 2,109 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8653% | 5,874 |
| Cost of funding earning assets | 0.3589% | 6,339 |
| Net interest margin | 3.5064% | 4,617 |
| Noninterest income to average assets | 1.0673% | 1,326 |
| Noninterest expense to average assets | 2.5261% | 5,000 |
| Loan and lease loss provision to assets | 0.0423% | 5,244 |
| Net operating income to assets | 1.3343% | 1,367 |
| Return on assets (ROA) | 1.3355% | 1,501 |
| Pretax return on assets | 1.7979% | 1,052 |
| Return on Equity (ROE) | 15.8938% | 755 |
| Retained earnings to average equity (ytd only) | 15.8938% | 196 |
| Net charge-offs to loans | -0.0236% | 6,533 |
| Credit loss provision to net charge-offs | -327.2727% | 6,388 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8759% | 5,808 |
| Assets per employee ($millions) | 4.2305% | 3,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7962% | 2,811 |
| Loan loss allowance to noncurrent loans | 787.1194% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.1398% | 6,364 |
| Noncurrent loans to loans | 0.2282% | 6,041 |
| Net loans and leases to total assets | 52.9706% | 4,917 |
| Net loans and leases to deposits | 62.3759% | 4,917 |
| Net loans and leases to core deposits | 62.9100% | 5,272 |
| Total domestic deposits to total assets | 84.9215% | 3,775 |
| Equity capital to assets | 8.7583% | 6,060 |
| Core capital (leverage) ratio | 8.3022% | 6,005 |
| Tier 1 risk-based capital ratio | 14.3366% | 4,310 |
| Total risk-based capital ratio | 15.5920% | 4,272 |
| Memoranda: | ||
| Average total assets | $340,537,500 | 1,915 |
| Average earning assets | $320,243,500 | 1,873 |
| Average equity | $28,614,250 | 2,364 |
| Average total loans | $186,419,000 | 2,143 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8604% | 6,008 |
| Cost of funding earning assets | 0.3694% | 6,419 |
| Net interest margin | 3.4910% | 4,713 |
| Noninterest income to average assets | 1.0159% | 1,417 |
| Noninterest expense to average assets | 2.5460% | 4,977 |
| Loan and lease loss provision to assets | 0.0455% | 5,102 |
| Net operating income to assets | 1.2817% | 1,487 |
| Return on assets (ROA) | 1.2830% | 1,639 |
| Pretax return on assets | 1.7103% | 1,231 |
| Return on Equity (ROE) | 15.4935% | 854 |
| Retained earnings to average equity (ytd only) | 15.4935% | 254 |
| Net charge-offs to loans | -0.0483% | 6,658 |
| Credit loss provision to net charge-offs | -171.1111% | 6,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2084% | 5,707 |
| Assets per employee ($millions) | 4.3238% | 3,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7825% | 2,914 |
| Loan loss allowance to noncurrent loans | 771.8245% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.1419% | 6,433 |
| Noncurrent loans to loans | 0.2309% | 6,114 |
| Net loans and leases to total assets | 53.2381% | 4,929 |
| Net loans and leases to deposits | 62.1275% | 4,976 |
| Net loans and leases to core deposits | 62.8056% | 5,321 |
| Total domestic deposits to total assets | 85.6916% | 3,510 |
| Equity capital to assets | 8.4215% | 6,287 |
| Core capital (leverage) ratio | 8.1215% | 6,136 |
| Tier 1 risk-based capital ratio | 13.3028% | 4,965 |
| Total risk-based capital ratio | 14.5574% | 4,929 |
| Memoranda: | ||
| Average total assets | $338,415,330 | 1,926 |
| Average earning assets | $318,357,670 | 1,880 |
| Average equity | $28,024,670 | 2,391 |
| Average total loans | $186,186,000 | 2,148 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9186% | 5,976 |
| Cost of funding earning assets | 0.3771% | 6,515 |
| Net interest margin | 3.5414% | 4,519 |
| Noninterest income to average assets | 0.9777% | 1,488 |
| Noninterest expense to average assets | 2.6067% | 4,794 |
| Loan and lease loss provision to assets | 0.0884% | 4,259 |
| Net operating income to assets | 1.2239% | 1,672 |
| Return on assets (ROA) | 1.2239% | 1,854 |
| Pretax return on assets | 1.6159% | 1,521 |
| Return on Equity (ROE) | 14.9097% | 986 |
| Retained earnings to average equity (ytd only) | 14.9097% | 455 |
| Net charge-offs to loans | -0.0992% | 6,780 |
| Credit loss provision to net charge-offs | -160.8696% | 5,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4658% | 5,549 |
| Assets per employee ($millions) | 4.2146% | 3,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8228% | 2,919 |
| Loan loss allowance to noncurrent loans | 254.7674% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.4010% | 5,862 |
| Noncurrent loans to loans | 0.7155% | 5,232 |
| Net loans and leases to total assets | 52.6958% | 4,918 |
| Net loans and leases to deposits | 61.2306% | 5,017 |
| Net loans and leases to core deposits | 61.9889% | 5,328 |
| Total domestic deposits to total assets | 86.0612% | 3,492 |
| Equity capital to assets | 8.1872% | 6,369 |
| Core capital (leverage) ratio | 7.9915% | 6,270 |
| Tier 1 risk-based capital ratio | 13.4908% | 4,833 |
| Total risk-based capital ratio | 14.7464% | 4,817 |
| Memoranda: | ||
| Average total assets | $334,672,500 | 1,952 |
| Average earning assets | $315,013,000 | 1,902 |
| Average equity | $27,472,000 | 2,437 |
| Average total loans | $185,532,500 | 2,164 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3125% | 5,727 |
| Cost of funding earning assets | 0.4528% | 6,722 |
| Net interest margin | 3.8597% | 3,516 |
| Noninterest income to average assets | 0.8357% | 1,906 |
| Noninterest expense to average assets | 2.6381% | 4,969 |
| Loan and lease loss provision to assets | 0.1556% | 4,685 |
| Net operating income to assets | 1.2554% | 1,364 |
| Return on assets (ROA) | 1.2551% | 1,465 |
| Pretax return on assets | 1.6626% | 1,072 |
| Return on Equity (ROE) | 15.4171% | 687 |
| Retained earnings to average equity (ytd only) | 9.6154% | 645 |
| Net charge-offs to loans | 0.0450% | 5,854 |
| Credit loss provision to net charge-offs | 595.1807% | 383 |
| Earnings coverage of net charge-offs (x) | 69.5783% | 428 |
| Efficiency ratio | 59.1959% | 5,867 |
| Assets per employee ($millions) | 3.9995% | 3,849 |
| Cash dividends to net income (ytd only)* | 37.6317% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7143% | 3,148 |
| Loan loss allowance to noncurrent loans | 241.3793% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.4244% | 5,908 |
| Noncurrent loans to loans | 0.7102% | 5,274 |
| Net loans and leases to total assets | 56.2903% | 4,651 |
| Net loans and leases to deposits | 65.8401% | 4,761 |
| Net loans and leases to core deposits | 66.6160% | 5,197 |
| Total domestic deposits to total assets | 85.4954% | 3,597 |
| Equity capital to assets | 8.2309% | 6,405 |
| Core capital (leverage) ratio | 7.8363% | 6,412 |
| Tier 1 risk-based capital ratio | 12.7190% | 5,295 |
| Total risk-based capital ratio | 13.9733% | 5,269 |
| Memoranda: | ||
| Average total assets | $317,574,800 | 2,022 |
| Average earning assets | $297,926,000 | 1,967 |
| Average equity | $25,854,400 | 2,493 |
| Average total loans | $184,283,600 | 2,181 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3603% | 5,739 |
| Cost of funding earning assets | 0.4713% | 6,809 |
| Net interest margin | 3.8889% | 3,436 |
| Noninterest income to average assets | 0.7327% | 2,402 |
| Noninterest expense to average assets | 2.6431% | 4,927 |
| Loan and lease loss provision to assets | 0.1761% | 4,278 |
| Net operating income to assets | 1.1869% | 1,685 |
| Return on assets (ROA) | 1.1869% | 1,803 |
| Pretax return on assets | 1.5599% | 1,487 |
| Return on Equity (ROE) | 14.6212% | 915 |
| Retained earnings to average equity (ytd only) | 14.6212% | 254 |
| Net charge-offs to loans | 0.0553% | 5,419 |
| Credit loss provision to net charge-offs | 547.3684% | 500 |
| Earnings coverage of net charge-offs (x) | 53.9609% | 604 |
| Efficiency ratio | 60.3577% | 5,656 |
| Assets per employee ($millions) | 4.1113% | 3,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7132% | 3,227 |
| Loan loss allowance to noncurrent loans | 232.0560% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.4409% | 5,989 |
| Noncurrent loans to loans | 0.7383% | 5,402 |
| Net loans and leases to total assets | 55.6218% | 4,895 |
| Net loans and leases to deposits | 64.3675% | 5,122 |
| Net loans and leases to core deposits | 65.1253% | 5,510 |
| Total domestic deposits to total assets | 86.4128% | 2,979 |
| Equity capital to assets | 8.4359% | 6,363 |
| Core capital (leverage) ratio | 8.0645% | 6,327 |
| Tier 1 risk-based capital ratio | 13.2720% | 4,901 |
| Total risk-based capital ratio | 14.5267% | 4,869 |
| Memoranda: | ||
| Average total assets | $314,978,750 | 2,039 |
| Average earning assets | $295,325,750 | 1,986 |
| Average equity | $25,569,500 | 2,520 |
| Average total loans | $183,397,250 | 2,219 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3973% | 5,705 |
| Cost of funding earning assets | 0.4862% | 6,887 |
| Net interest margin | 3.9111% | 3,256 |
| Noninterest income to average assets | 0.6981% | 2,564 |
| Noninterest expense to average assets | 2.6974% | 4,832 |
| Loan and lease loss provision to assets | 0.1951% | 3,980 |
| Net operating income to assets | 1.1273% | 1,796 |
| Return on assets (ROA) | 1.1273% | 1,873 |
| Pretax return on assets | 1.4700% | 1,613 |
| Return on Equity (ROE) | 14.0787% | 967 |
| Retained earnings to average equity (ytd only) | 14.0787% | 311 |
| Net charge-offs to loans | 0.0906% | 4,762 |
| Credit loss provision to net charge-offs | 366.2651% | 835 |
| Earnings coverage of net charge-offs (x) | 31.2651% | 890 |
| Efficiency ratio | 61.8326% | 5,608 |
| Assets per employee ($millions) | 3.9749% | 3,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6656% | 3,434 |
| Loan loss allowance to noncurrent loans | 194.1063% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.5347% | 5,845 |
| Noncurrent loans to loans | 0.8581% | 5,232 |
| Net loans and leases to total assets | 56.9691% | 4,825 |
| Net loans and leases to deposits | 65.3970% | 5,089 |
| Net loans and leases to core deposits | 66.1227% | 5,498 |
| Total domestic deposits to total assets | 87.1127% | 2,680 |
| Equity capital to assets | 8.3232% | 6,392 |
| Core capital (leverage) ratio | 7.9108% | 6,398 |
| Tier 1 risk-based capital ratio | 12.6635% | 5,211 |
| Total risk-based capital ratio | 13.9174% | 5,177 |
| Memoranda: | ||
| Average total assets | $311,707,670 | 2,065 |
| Average earning assets | $292,043,670 | 2,022 |
| Average equity | $24,959,670 | 2,563 |
| Average total loans | $183,261,670 | 2,244 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3955% | 5,712 |
| Cost of funding earning assets | 0.4855% | 7,025 |
| Net interest margin | 3.9100% | 3,093 |
| Noninterest income to average assets | 0.6942% | 2,611 |
| Noninterest expense to average assets | 2.7113% | 4,790 |
| Loan and lease loss provision to assets | 0.1919% | 3,713 |
| Net operating income to assets | 1.1154% | 1,785 |
| Return on assets (ROA) | 1.1154% | 1,836 |
| Pretax return on assets | 1.4529% | 1,590 |
| Return on Equity (ROE) | 14.2133% | 948 |
| Retained earnings to average equity (ytd only) | 14.2133% | 458 |
| Net charge-offs to loans | 0.1000% | 3,947 |
| Credit loss provision to net charge-offs | 323.9130% | 1,011 |
| Earnings coverage of net charge-offs (x) | 27.7609% | 883 |
| Efficiency ratio | 62.2413% | 5,644 |
| Assets per employee ($millions) | 3.8799% | 4,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5999% | 3,726 |
| Loan loss allowance to noncurrent loans | 206.6714% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.4859% | 6,014 |
| Noncurrent loans to loans | 0.7741% | 5,485 |
| Net loans and leases to total assets | 56.9883% | 4,802 |
| Net loans and leases to deposits | 65.0629% | 5,119 |
| Net loans and leases to core deposits | 66.0281% | 5,506 |
| Total domestic deposits to total assets | 87.5896% | 2,618 |
| Equity capital to assets | 7.9203% | 6,576 |
| Core capital (leverage) ratio | 7.7297% | 6,532 |
| Tier 1 risk-based capital ratio | 12.2335% | 5,490 |
| Total risk-based capital ratio | 13.4865% | 5,489 |
| Memoranda: | ||
| Average total assets | $310,554,500 | 2,090 |
| Average earning assets | $290,845,500 | 2,049 |
| Average equity | $24,371,500 | 2,609 |
| Average total loans | $183,932,000 | 2,258 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8129% | 5,371 |
| Cost of funding earning assets | 0.7150% | 6,836 |
| Net interest margin | 4.0979% | 2,571 |
| Noninterest income to average assets | 0.9146% | 1,796 |
| Noninterest expense to average assets | 2.7907% | 4,644 |
| Loan and lease loss provision to assets | 0.2092% | 5,159 |
| Net operating income to assets | 1.3069% | 1,152 |
| Return on assets (ROA) | 1.3099% | 1,216 |
| Pretax return on assets | 1.7470% | 856 |
| Return on Equity (ROE) | 16.8918% | 489 |
| Retained earnings to average equity (ytd only) | 10.4380% | 447 |
| Net charge-offs to loans | 0.1582% | 5,400 |
| Credit loss provision to net charge-offs | 214.7260% | 1,409 |
| Earnings coverage of net charge-offs (x) | 20.0377% | 1,028 |
| Efficiency ratio | 58.8393% | 6,229 |
| Assets per employee ($millions) | 3.8355% | 4,158 |
| Cash dividends to net income (ytd only)* | 38.2068% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5114% | 3,945 |
| Loan loss allowance to noncurrent loans | 189.2857% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.5221% | 5,989 |
| Noncurrent loans to loans | 0.7985% | 5,445 |
| Net loans and leases to total assets | 59.6553% | 4,734 |
| Net loans and leases to deposits | 67.1966% | 5,216 |
| Net loans and leases to core deposits | 68.3909% | 5,619 |
| Total domestic deposits to total assets | 88.7772% | 1,779 |
| Equity capital to assets | 7.7734% | 6,691 |
| Core capital (leverage) ratio | 7.5050% | 6,701 |
| Tier 1 risk-based capital ratio | 11.6299% | 5,789 |
| Total risk-based capital ratio | 12.8821% | 5,792 |
| Memoranda: | ||
| Average total assets | $299,710,200 | 2,151 |
| Average earning assets | $279,996,600 | 2,107 |
| Average equity | $23,242,000 | 2,730 |
| Average total loans | $184,533,800 | 2,303 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8593% | 5,439 |
| Cost of funding earning assets | 0.7693% | 6,846 |
| Net interest margin | 4.0900% | 2,673 |
| Noninterest income to average assets | 0.8686% | 1,919 |
| Noninterest expense to average assets | 2.7890% | 4,536 |
| Loan and lease loss provision to assets | 0.1960% | 5,075 |
| Net operating income to assets | 1.2806% | 1,377 |
| Return on assets (ROA) | 1.2839% | 1,449 |
| Pretax return on assets | 1.7069% | 1,105 |
| Return on Equity (ROE) | 16.5670% | 643 |
| Retained earnings to average equity (ytd only) | 16.5670% | 150 |
| Net charge-offs to loans | 0.1766% | 4,899 |
| Credit loss provision to net charge-offs | 179.5082% | 2,049 |
| Earnings coverage of net charge-offs (x) | 17.3850% | 1,329 |
| Efficiency ratio | 59.4997% | 6,031 |
| Assets per employee ($millions) | 3.6608% | 4,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4352% | 4,284 |
| Loan loss allowance to noncurrent loans | 263.1164% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.3854% | 6,452 |
| Noncurrent loans to loans | 0.5455% | 6,113 |
| Net loans and leases to total assets | 61.0396% | 4,710 |
| Net loans and leases to deposits | 68.8960% | 5,297 |
| Net loans and leases to core deposits | 70.1515% | 5,734 |
| Total domestic deposits to total assets | 88.5968% | 1,629 |
| Equity capital to assets | 8.2615% | 6,549 |
| Core capital (leverage) ratio | 7.7694% | 6,603 |
| Tier 1 risk-based capital ratio | 11.6499% | 5,787 |
| Total risk-based capital ratio | 12.9009% | 5,766 |
| Memoranda: | ||
| Average total assets | $297,927,500 | 2,200 |
| Average earning assets | $278,165,750 | 2,163 |
| Average equity | $23,089,500 | 2,790 |
| Average total loans | $184,203,250 | 2,337 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8339% | 5,672 |
| Cost of funding earning assets | 0.8210% | 6,847 |
| Net interest margin | 4.0129% | 2,952 |
| Noninterest income to average assets | 0.7699% | 2,283 |
| Noninterest expense to average assets | 2.7869% | 4,550 |
| Loan and lease loss provision to assets | 0.1810% | 5,057 |
| Net operating income to assets | 1.1753% | 1,626 |
| Return on assets (ROA) | 1.1805% | 1,679 |
| Pretax return on assets | 1.5520% | 1,428 |
| Return on Equity (ROE) | 15.5777% | 752 |
| Retained earnings to average equity (ytd only) | 15.5777% | 210 |
| Net charge-offs to loans | 0.1035% | 5,112 |
| Credit loss provision to net charge-offs | 283.1579% | 1,312 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 986 |
| Efficiency ratio | 61.7507% | 5,727 |
| Assets per employee ($millions) | 3.7081% | 4,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 4,257 |
| Loan loss allowance to noncurrent loans | 212.6908% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.5337% | 6,136 |
| Noncurrent loans to loans | 0.6753% | 5,901 |
| Net loans and leases to total assets | 60.5013% | 4,965 |
| Net loans and leases to deposits | 67.7150% | 5,586 |
| Net loans and leases to core deposits | 69.0376% | 5,969 |
| Total domestic deposits to total assets | 89.3469% | 1,259 |
| Equity capital to assets | 7.7965% | 6,930 |
| Core capital (leverage) ratio | 7.4861% | 6,833 |
| Tier 1 risk-based capital ratio | 11.1692% | 6,072 |
| Total risk-based capital ratio | 12.4200% | 6,063 |
| Memoranda: | ||
| Average total assets | $297,174,330 | 2,214 |
| Average earning assets | $277,208,670 | 2,180 |
| Average equity | $22,519,330 | 2,857 |
| Average total loans | $183,637,330 | 2,380 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8583% | 5,651 |
| Cost of funding earning assets | 0.8460% | 6,956 |
| Net interest margin | 4.0123% | 2,826 |
| Noninterest income to average assets | 0.7280% | 2,415 |
| Noninterest expense to average assets | 2.8283% | 4,381 |
| Loan and lease loss provision to assets | 0.1989% | 4,515 |
| Net operating income to assets | 1.1067% | 1,812 |
| Return on assets (ROA) | 1.1151% | 1,864 |
| Pretax return on assets | 1.4534% | 1,634 |
| Return on Equity (ROE) | 14.9340% | 890 |
| Retained earnings to average equity (ytd only) | 14.9340% | 418 |
| Net charge-offs to loans | 0.0808% | 4,611 |
| Credit loss provision to net charge-offs | 397.2973% | 1,032 |
| Earnings coverage of net charge-offs (x) | 32.7838% | 818 |
| Efficiency ratio | 63.2758% | 5,616 |
| Assets per employee ($millions) | 3.7362% | 4,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4113% | 4,359 |
| Loan loss allowance to noncurrent loans | 270.2929% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.4694% | 6,298 |
| Noncurrent loans to loans | 0.5221% | 6,244 |
| Net loans and leases to total assets | 60.3914% | 5,052 |
| Net loans and leases to deposits | 67.8406% | 5,612 |
| Net loans and leases to core deposits | 69.4100% | 5,961 |
| Total domestic deposits to total assets | 89.0196% | 1,504 |
| Equity capital to assets | 7.5234% | 7,057 |
| Core capital (leverage) ratio | 7.3308% | 7,002 |
| Tier 1 risk-based capital ratio | 10.7105% | 6,429 |
| Total risk-based capital ratio | 11.9611% | 6,417 |
| Memoranda: | ||
| Average total assets | $295,584,500 | 2,271 |
| Average earning assets | $275,653,500 | 2,239 |
| Average equity | $22,070,500 | 2,936 |
| Average total loans | $183,273,000 | 2,449 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4592% | 4,393 |
| Cost of funding earning assets | 1.0905% | 7,004 |
| Net interest margin | 4.3688% | 1,522 |
| Noninterest income to average assets | 1.0753% | 1,334 |
| Noninterest expense to average assets | 3.0240% | 4,053 |
| Loan and lease loss provision to assets | 0.1685% | 6,003 |
| Net operating income to assets | 1.4552% | 744 |
| Return on assets (ROA) | 1.4645% | 791 |
| Pretax return on assets | 1.9656% | 433 |
| Return on Equity (ROE) | 18.0888% | 362 |
| Retained earnings to average equity (ytd only) | 0.2050% | 4,789 |
| Net charge-offs to loans | 0.0017% | 7,231 |
| Credit loss provision to net charge-offs | 15,900.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 2,002.6667% | 8 |
| Efficiency ratio | 58.7674% | 6,652 |
| Assets per employee ($millions) | 3.5643% | 4,862 |
| Cash dividends to net income (ytd only)* | 98.8667% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3486% | 4,491 |
| Loan loss allowance to noncurrent loans | 488.9328% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.3028% | 6,687 |
| Noncurrent loans to loans | 0.2758% | 6,737 |
| Net loans and leases to total assets | 61.9217% | 5,003 |
| Net loans and leases to deposits | 70.9894% | 5,471 |
| Net loans and leases to core deposits | 79.3665% | 6,158 |
| Total domestic deposits to total assets | 87.2267% | 2,375 |
| Equity capital to assets | 7.4088% | 7,114 |
| Core capital (leverage) ratio | 7.2682% | 7,014 |
| Tier 1 risk-based capital ratio | 10.3585% | 6,531 |
| Total risk-based capital ratio | 11.6044% | 6,507 |
| Memoranda: | ||
| Average total assets | $283,167,200 | 2,328 |
| Average earning assets | $263,827,800 | 2,293 |
| Average equity | $22,925,800 | 2,836 |
| Average total loans | $181,197,400 | 2,499 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5694% | 4,036 |
| Cost of funding earning assets | 1.1573% | 7,015 |
| Net interest margin | 4.4121% | 1,415 |
| Noninterest income to average assets | 1.1250% | 1,248 |
| Noninterest expense to average assets | 3.0445% | 3,864 |
| Loan and lease loss provision to assets | 0.1206% | 6,156 |
| Net operating income to assets | 1.5354% | 749 |
| Return on assets (ROA) | 1.5417% | 800 |
| Pretax return on assets | 2.0800% | 461 |
| Return on Equity (ROE) | 18.6311% | 390 |
| Retained earnings to average equity (ytd only) | 18.6311% | 82 |
| Net charge-offs to loans | 0.0871% | 5,819 |
| Credit loss provision to net charge-offs | 215.2542% | 2,035 |
| Earnings coverage of net charge-offs (x) | 39.1354% | 762 |
| Efficiency ratio | 58.1400% | 6,701 |
| Assets per employee ($millions) | 3.4170% | 5,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1787% | 5,232 |
| Loan loss allowance to noncurrent loans | 591.6898% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.2002% | 7,027 |
| Noncurrent loans to loans | 0.1992% | 7,003 |
| Net loans and leases to total assets | 64.6998% | 4,712 |
| Net loans and leases to deposits | 74.9802% | 5,207 |
| Net loans and leases to core deposits | 83.6733% | 6,067 |
| Total domestic deposits to total assets | 86.2891% | 2,547 |
| Equity capital to assets | 9.0888% | 5,359 |
| Core capital (leverage) ratio | 8.4692% | 5,544 |
| Tier 1 risk-based capital ratio | 12.0912% | 4,885 |
| Total risk-based capital ratio | 13.1777% | 4,976 |
| Memoranda: | ||
| Average total assets | $280,890,500 | 2,357 |
| Average earning assets | $261,756,250 | 2,323 |
| Average equity | $23,243,750 | 2,832 |
| Average total loans | $180,633,000 | 2,540 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6216% | 3,959 |
| Cost of funding earning assets | 1.2121% | 7,072 |
| Net interest margin | 4.4094% | 1,392 |
| Noninterest income to average assets | 1.2393% | 1,004 |
| Noninterest expense to average assets | 3.0249% | 3,988 |
| Loan and lease loss provision to assets | 0.1148% | 5,997 |
| Net operating income to assets | 1.6231% | 650 |
| Return on assets (ROA) | 1.6325% | 708 |
| Pretax return on assets | 2.2185% | 345 |
| Return on Equity (ROE) | 20.3837% | 315 |
| Retained earnings to average equity (ytd only) | 20.3837% | 70 |
| Net charge-offs to loans | 0.1241% | 4,923 |
| Credit loss provision to net charge-offs | 144.6429% | 3,204 |
| Earnings coverage of net charge-offs (x) | 29.2411% | 1,017 |
| Efficiency ratio | 56.5880% | 7,042 |
| Assets per employee ($millions) | 3.4631% | 4,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 5,382 |
| Loan loss allowance to noncurrent loans | 409.1816% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.1786% | 7,099 |
| Noncurrent loans to loans | 0.2764% | 6,831 |
| Net loans and leases to total assets | 63.8884% | 5,007 |
| Net loans and leases to deposits | 73.1501% | 5,587 |
| Net loans and leases to core deposits | 80.7951% | 6,337 |
| Total domestic deposits to total assets | 87.3388% | 2,076 |
| Equity capital to assets | 8.4261% | 6,158 |
| Core capital (leverage) ratio | 8.1981% | 5,984 |
| Tier 1 risk-based capital ratio | 11.5083% | 5,372 |
| Total risk-based capital ratio | 12.5418% | 5,505 |
| Memoranda: | ||
| Average total assets | $282,260,670 | 2,361 |
| Average earning assets | $262,844,670 | 2,322 |
| Average equity | $22,606,330 | 2,901 |
| Average total loans | $180,440,000 | 2,570 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8074% | 3,259 |
| Cost of funding earning assets | 1.2904% | 7,044 |
| Net interest margin | 4.5170% | 1,091 |
| Noninterest income to average assets | 1.5187% | 610 |
| Noninterest expense to average assets | 2.8848% | 4,210 |
| Loan and lease loss provision to assets | 0.1003% | 5,683 |
| Net operating income to assets | 1.9756% | 364 |
| Return on assets (ROA) | 1.9807% | 415 |
| Pretax return on assets | 2.7492% | 164 |
| Return on Equity (ROE) | 25.3853% | 174 |
| Retained earnings to average equity (ytd only) | 25.3853% | 74 |
| Net charge-offs to loans | 0.1044% | 4,133 |
| Credit loss provision to net charge-offs | 151.0638% | 2,763 |
| Earnings coverage of net charge-offs (x) | 42.8085% | 807 |
| Efficiency ratio | 50.3700% | 7,561 |
| Assets per employee ($millions) | 3.4188% | 5,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1328% | 5,243 |
| Loan loss allowance to noncurrent loans | 320.2532% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.2254% | 6,854 |
| Noncurrent loans to loans | 0.3537% | 6,543 |
| Net loans and leases to total assets | 63.0146% | 5,157 |
| Net loans and leases to deposits | 71.4404% | 5,812 |
| Net loans and leases to core deposits | 78.9153% | 6,469 |
| Total domestic deposits to total assets | 88.2058% | 1,644 |
| Equity capital to assets | 8.1269% | 6,636 |
| Core capital (leverage) ratio | 7.6564% | 6,943 |
| Tier 1 risk-based capital ratio | 11.2520% | 5,646 |
| Total risk-based capital ratio | 12.2962% | 5,771 |
| Memoranda: | ||
| Average total assets | $283,135,500 | 2,376 |
| Average earning assets | $263,802,500 | 2,331 |
| Average equity | $22,091,500 | 2,962 |
| Average total loans | $180,028,000 | 2,596 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1246% | 4,921 |
| Cost of funding earning assets | 1.9081% | 6,707 |
| Net interest margin | 4.2165% | 2,245 |
| Noninterest income to average assets | 0.8642% | 2,143 |
| Noninterest expense to average assets | 2.8628% | 4,560 |
| Loan and lease loss provision to assets | 0.0387% | 6,930 |
| Net operating income to assets | 1.4267% | 1,177 |
| Return on assets (ROA) | 1.1392% | 1,911 |
| Pretax return on assets | 1.4789% | 1,739 |
| Return on Equity (ROE) | 14.7895% | 954 |
| Retained earnings to average equity (ytd only) | 5.4053% | 1,807 |
| Net charge-offs to loans | 0.0287% | 6,419 |
| Credit loss provision to net charge-offs | 218.3673% | 2,200 |
| Earnings coverage of net charge-offs (x) | 106.7755% | 405 |
| Efficiency ratio | 60.2220% | 6,295 |
| Assets per employee ($millions) | 3.4450% | 4,811 |
| Cash dividends to net income (ytd only)* | 63.4518% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1027% | 5,260 |
| Loan loss allowance to noncurrent loans | 754.7170% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.0927% | 7,207 |
| Noncurrent loans to loans | 0.1461% | 6,973 |
| Net loans and leases to total assets | 62.7344% | 5,503 |
| Net loans and leases to deposits | 71.0367% | 6,165 |
| Net loans and leases to core deposits | 78.2056% | 6,741 |
| Total domestic deposits to total assets | 88.3126% | 1,330 |
| Equity capital to assets | 7.4843% | 7,393 |
| Core capital (leverage) ratio | 7.2075% | 7,520 |
| Tier 1 risk-based capital ratio | 10.2496% | 6,468 |
| Total risk-based capital ratio | 11.2503% | 6,618 |
| Memoranda: | ||
| Average total assets | $276,683,400 | 2,335 |
| Average earning assets | $255,232,400 | 2,326 |
| Average equity | $21,312,400 | 3,064 |
| Average total loans | $170,975,000 | 2,599 |