Home > One Community Bank > Performance and Condition Ratios
One Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8331% | 2,407 |
| Cost of funding earning assets | 2.1124% | 756 |
| Net interest margin | 2.7207% | 3,792 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 1.7642% | 4,049 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.7941% | 2,892 |
| Return on assets (ROA) | 0.8017% | 2,848 |
| Pretax return on assets | 1.0577% | 2,516 |
| Return on Equity (ROE) | 7.8300% | 3,073 |
| Retained earnings to average equity (ytd only) | 4.9641% | 2,613 |
| Net charge-offs to loans | 0.0038% | 2,616 |
| Credit loss provision to net charge-offs | 2,897.0149% | 169 |
| Earnings coverage of net charge-offs (x) | 357.1493% | 381 |
| Efficiency ratio | 57.0211% | 3,394 |
| Assets per employee ($millions) | 9.8503% | 743 |
| Cash dividends to net income (ytd only)* | 36.5717% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8962% | 3,721 |
| Loan loss allowance to noncurrent loans | 223.8024% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.3381% | 1,605 |
| Noncurrent loans to loans | 0.4004% | 1,784 |
| Net loans and leases to total assets | 83.6800% | 296 |
| Net loans and leases to deposits | 111.1324% | 180 |
| Net loans and leases to core deposits | 135.5218% | 328 |
| Total domestic deposits to total assets | 75.3000% | 4,005 |
| Equity capital to assets | 10.3256% | 1,832 |
| Core capital (leverage) ratio | 10.4897% | 2,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,114,751,400 | 547 |
| Average earning assets | $2,003,138,400 | 521 |
| Average equity | $216,614,200 | 505 |
| Average total loans | $1,771,393,000 | 450 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7222% | 2,427 |
| Cost of funding earning assets | 1.9838% | 724 |
| Net interest margin | 2.7384% | 3,828 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 1.7567% | 4,047 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.8150% | 2,982 |
| Return on assets (ROA) | 0.8249% | 2,933 |
| Pretax return on assets | 1.0884% | 2,598 |
| Return on Equity (ROE) | 8.0700% | 3,171 |
| Retained earnings to average equity (ytd only) | 5.4635% | 2,789 |
| Net charge-offs to loans | 0.0008% | 2,613 |
| Credit loss provision to net charge-offs | 15,554.5455% | 22 |
| Earnings coverage of net charge-offs (x) | 1,645.8182% | 87 |
| Efficiency ratio | 56.5520% | 3,352 |
| Assets per employee ($millions) | 9.6666% | 755 |
| Cash dividends to net income (ytd only)* | 32.3002% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8953% | 3,748 |
| Loan loss allowance to noncurrent loans | 5,216.7203% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 3,694 |
| Noncurrent loans to loans | 0.0172% | 3,660 |
| Net loans and leases to total assets | 84.0600% | 275 |
| Net loans and leases to deposits | 109.0543% | 219 |
| Net loans and leases to core deposits | 132.8343% | 310 |
| Total domestic deposits to total assets | 77.0800% | 3,919 |
| Equity capital to assets | 10.1299% | 1,755 |
| Core capital (leverage) ratio | 10.4901% | 2,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $2,101,674,750 | 551 |
| Average earning assets | $1,993,721,250 | 523 |
| Average equity | $214,827,250 | 506 |
| Average total loans | $1,756,804,500 | 453 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6618% | 2,283 |
| Cost of funding earning assets | 1.9609% | 540 |
| Net interest margin | 2.7009% | 3,972 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 1.7952% | 4,008 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.7440% | 3,234 |
| Return on assets (ROA) | 0.7624% | 3,199 |
| Pretax return on assets | 1.0351% | 2,816 |
| Return on Equity (ROE) | 8.0700% | 3,215 |
| Retained earnings to average equity (ytd only) | 3.3376% | 3,395 |
| Net charge-offs to loans | 0.0021% | 2,292 |
| Credit loss provision to net charge-offs | 6,170.5882% | 95 |
| Earnings coverage of net charge-offs (x) | 597.7647% | 246 |
| Efficiency ratio | 57.9925% | 3,192 |
| Assets per employee ($millions) | 9.5813% | 758 |
| Cash dividends to net income (ytd only)* | 58.6674% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8855% | 3,825 |
| Loan loss allowance to noncurrent loans | 1,589.4794% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.0481% | 3,297 |
| Noncurrent loans to loans | 0.0557% | 3,297 |
| Net loans and leases to total assets | 85.6100% | 178 |
| Net loans and leases to deposits | 110.0125% | 203 |
| Net loans and leases to core deposits | 136.8813% | 244 |
| Total domestic deposits to total assets | 77.8100% | 3,870 |
| Equity capital to assets | 9.2885% | 2,319 |
| Core capital (leverage) ratio | 9.6184% | 3,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,878,014,000 | 596 |
| Average earning assets | $1,775,311,333 | 573 |
| Average equity | $177,313,667 | 582 |
| Average total loans | $1,617,086,000 | 477 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5406% | 2,221 |
| Cost of funding earning assets | 1.7762% | 475 |
| Net interest margin | 2.7643% | 3,999 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 1.7972% | 4,032 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.8054% | 3,179 |
| Return on assets (ROA) | 0.8476% | 2,982 |
| Pretax return on assets | 1.1501% | 2,569 |
| Return on Equity (ROE) | 8.9000% | 3,075 |
| Retained earnings to average equity (ytd only) | 4.1565% | 3,225 |
| Net charge-offs to loans | -0.0008% | 3,295 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.1930% | 3,390 |
| Assets per employee ($millions) | 9.5596% | 789 |
| Cash dividends to net income (ytd only)* | 53.3130% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8749% | 3,915 |
| Loan loss allowance to noncurrent loans | 1,540.6114% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.0489% | 3,298 |
| Noncurrent loans to loans | 0.0568% | 3,333 |
| Net loans and leases to total assets | 85.3300% | 167 |
| Net loans and leases to deposits | 109.2573% | 193 |
| Net loans and leases to core deposits | 134.0845% | 238 |
| Total domestic deposits to total assets | 78.1000% | 3,999 |
| Equity capital to assets | 9.4873% | 2,155 |
| Core capital (leverage) ratio | 9.7775% | 2,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,858,894,000 | 613 |
| Average earning assets | $1,756,961,500 | 591 |
| Average equity | $176,974,500 | 596 |
| Average total loans | $1,598,090,500 | 493 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1214% | 1,428 |
| Cost of funding earning assets | 0.6587% | 696 |
| Net interest margin | 3.4627% | 2,062 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 1.8345% | 3,963 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.2246% | 1,683 |
| Return on assets (ROA) | 1.2406% | 1,581 |
| Pretax return on assets | 1.6894% | 947 |
| Return on Equity (ROE) | 12.1000% | 2,104 |
| Retained earnings to average equity (ytd only) | 6.9629% | 2,259 |
| Net charge-offs to loans | 0.0030% | 2,377 |
| Credit loss provision to net charge-offs | 5,681.8182% | 125 |
| Earnings coverage of net charge-offs (x) | 704.8182% | 254 |
| Efficiency ratio | 46.4498% | 4,321 |
| Assets per employee ($millions) | 9.0397% | 906 |
| Cash dividends to net income (ytd only)* | 42.4669% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7737% | 4,086 |
| Loan loss allowance to noncurrent loans | 944.4102% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.0703% | 3,091 |
| Noncurrent loans to loans | 0.0819% | 3,167 |
| Net loans and leases to total assets | 85.1900% | 200 |
| Net loans and leases to deposits | 107.6327% | 202 |
| Net loans and leases to core deposits | 129.8119% | 225 |
| Total domestic deposits to total assets | 79.1500% | 3,986 |
| Equity capital to assets | 9.5541% | 1,967 |
| Core capital (leverage) ratio | 9.8646% | 2,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,708,238,800 | 636 |
| Average earning assets | $1,608,176,800 | 613 |
| Average equity | $175,112,600 | 590 |
| Average total loans | $1,447,848,800 | 497 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9777% | 1,312 |
| Cost of funding earning assets | 0.4389% | 1,040 |
| Net interest margin | 3.5387% | 1,549 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 1.8969% | 3,759 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.2509% | 1,521 |
| Return on assets (ROA) | 1.2724% | 1,415 |
| Pretax return on assets | 1.7328% | 844 |
| Return on Equity (ROE) | 12.1800% | 1,981 |
| Retained earnings to average equity (ytd only) | 6.7701% | 2,455 |
| Net charge-offs to loans | 0.0031% | 2,117 |
| Credit loss provision to net charge-offs | 5,681.8182% | 98 |
| Earnings coverage of net charge-offs (x) | 705.8485% | 229 |
| Efficiency ratio | 46.7769% | 4,340 |
| Assets per employee ($millions) | 8.9489% | 909 |
| Cash dividends to net income (ytd only)* | 44.4361% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7570% | 4,169 |
| Loan loss allowance to noncurrent loans | 1,962.0573% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.0333% | 3,585 |
| Noncurrent loans to loans | 0.0386% | 3,615 |
| Net loans and leases to total assets | 85.6500% | 144 |
| Net loans and leases to deposits | 109.0181% | 134 |
| Net loans and leases to core deposits | 126.6045% | 177 |
| Total domestic deposits to total assets | 78.5600% | 4,214 |
| Equity capital to assets | 9.7093% | 1,767 |
| Core capital (leverage) ratio | 10.1083% | 2,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,674,273,000 | 649 |
| Average earning assets | $1,576,489,500 | 632 |
| Average equity | $174,844,000 | 598 |
| Average total loans | $1,414,019,000 | 497 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8462% | 1,215 |
| Cost of funding earning assets | 0.2968% | 1,741 |
| Net interest margin | 3.5494% | 1,183 |
| Noninterest income to average assets | 0.4640% | 2,375 |
| Noninterest expense to average assets | 1.9349% | 3,616 |
| Loan and lease loss provision to assets | 0.1526% | 621 |
| Net operating income to assets | 1.2561% | 1,266 |
| Return on assets (ROA) | 1.2940% | 1,134 |
| Pretax return on assets | 1.7621% | 653 |
| Return on Equity (ROE) | 12.0839% | 1,645 |
| Retained earnings to average equity (ytd only) | 3.9923% | 3,082 |
| Net charge-offs to loans | 0.0054% | 1,811 |
| Credit loss provision to net charge-offs | 3,378.3784% | 157 |
| Earnings coverage of net charge-offs (x) | 413.3784% | 307 |
| Efficiency ratio | 47.0834% | 4,393 |
| Assets per employee ($millions) | 8.4804% | 1,075 |
| Cash dividends to net income (ytd only)* | 66.9622% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7655% | 4,230 |
| Loan loss allowance to noncurrent loans | 1,193.7093% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.0546% | 3,435 |
| Noncurrent loans to loans | 0.0641% | 3,476 |
| Net loans and leases to total assets | 84.5395% | 165 |
| Net loans and leases to deposits | 105.6724% | 138 |
| Net loans and leases to core deposits | 117.5799% | 224 |
| Total domestic deposits to total assets | 80.0015% | 4,228 |
| Equity capital to assets | 10.1575% | 1,621 |
| Core capital (leverage) ratio | 10.3622% | 2,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,638,751,333 | 660 |
| Average earning assets | $1,540,931,000 | 646 |
| Average equity | $175,489,667 | 601 |
| Average total loans | $1,373,053,667 | 503 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7774% | 1,130 |
| Cost of funding earning assets | 0.2560% | 2,087 |
| Net interest margin | 3.5215% | 1,049 |
| Noninterest income to average assets | 0.5186% | 2,050 |
| Noninterest expense to average assets | 1.9572% | 3,535 |
| Loan and lease loss provision to assets | 0.1549% | 502 |
| Net operating income to assets | 1.2546% | 1,107 |
| Return on assets (ROA) | 1.3004% | 997 |
| Pretax return on assets | 1.7711% | 581 |
| Return on Equity (ROE) | 11.8248% | 1,376 |
| Retained earnings to average equity (ytd only) | 5.0652% | 2,572 |
| Net charge-offs to loans | 0.0095% | 1,405 |
| Credit loss provision to net charge-offs | 1,953.1250% | 218 |
| Earnings coverage of net charge-offs (x) | 235.5938% | 387 |
| Efficiency ratio | 47.3183% | 4,440 |
| Assets per employee ($millions) | 8.3655% | 1,180 |
| Cash dividends to net income (ytd only)* | 57.1646% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7688% | 4,291 |
| Loan loss allowance to noncurrent loans | 2,382.1101% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.0270% | 3,775 |
| Noncurrent loans to loans | 0.0323% | 3,753 |
| Net loans and leases to total assets | 83.0284% | 121 |
| Net loans and leases to deposits | 98.6508% | 209 |
| Net loans and leases to core deposits | 104.2700% | 388 |
| Total domestic deposits to total assets | 84.1639% | 3,735 |
| Equity capital to assets | 10.8439% | 1,413 |
| Core capital (leverage) ratio | 10.2800% | 2,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,614,328,000 | 665 |
| Average earning assets | $1,515,837,500 | 657 |
| Average equity | $177,525,500 | 610 |
| Average total loans | $1,340,734,000 | 510 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9145% | 1,571 |
| Cost of funding earning assets | 0.2742% | 2,662 |
| Net interest margin | 3.6403% | 1,365 |
| Noninterest income to average assets | 0.6678% | 1,874 |
| Noninterest expense to average assets | 2.0507% | 3,530 |
| Loan and lease loss provision to assets | 0.1898% | 583 |
| Net operating income to assets | 1.3549% | 1,424 |
| Return on assets (ROA) | 1.3574% | 1,462 |
| Pretax return on assets | 1.8469% | 822 |
| Return on Equity (ROE) | 11.9517% | 1,834 |
| Retained earnings to average equity (ytd only) | 6.2295% | 2,260 |
| Net charge-offs to loans | -0.0278% | 4,093 |
| Credit loss provision to net charge-offs | -811.7479% | 3,872 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3131% | 4,482 |
| Assets per employee ($millions) | 8.1935% | 1,224 |
| Cash dividends to net income (ytd only)* | 47.8776% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7360% | 4,369 |
| Loan loss allowance to noncurrent loans | 1,323.3784% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 3,511 |
| Noncurrent loans to loans | 0.0556% | 3,681 |
| Net loans and leases to total assets | 81.8258% | 190 |
| Net loans and leases to deposits | 97.9891% | 251 |
| Net loans and leases to core deposits | 104.2708% | 403 |
| Total domestic deposits to total assets | 83.5050% | 3,692 |
| Equity capital to assets | 11.1499% | 1,701 |
| Core capital (leverage) ratio | 10.4565% | 1,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,492,529,600 | 690 |
| Average earning assets | $1,400,760,000 | 681 |
| Average equity | $169,515,000 | 635 |
| Average total loans | $1,254,348,200 | 543 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9108% | 1,732 |
| Cost of funding earning assets | 0.2796% | 2,802 |
| Net interest margin | 3.6312% | 1,521 |
| Noninterest income to average assets | 0.7409% | 1,695 |
| Noninterest expense to average assets | 2.1117% | 3,326 |
| Loan and lease loss provision to assets | 0.1384% | 824 |
| Net operating income to assets | 1.3915% | 1,573 |
| Return on assets (ROA) | 1.3990% | 1,607 |
| Pretax return on assets | 1.9027% | 944 |
| Return on Equity (ROE) | 12.2561% | 1,955 |
| Retained earnings to average equity (ytd only) | 7.3831% | 2,277 |
| Net charge-offs to loans | -0.0501% | 4,356 |
| Credit loss provision to net charge-offs | -327.1552% | 3,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0442% | 4,441 |
| Assets per employee ($millions) | 7.8229% | 1,361 |
| Cash dividends to net income (ytd only)* | 39.7601% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6522% | 4,568 |
| Loan loss allowance to noncurrent loans | 680.9033% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.0819% | 3,555 |
| Noncurrent loans to loans | 0.0958% | 3,600 |
| Net loans and leases to total assets | 84.9417% | 91 |
| Net loans and leases to deposits | 103.3804% | 163 |
| Net loans and leases to core deposits | 109.3581% | 338 |
| Total domestic deposits to total assets | 82.1642% | 3,902 |
| Equity capital to assets | 11.6336% | 1,585 |
| Core capital (leverage) ratio | 10.6338% | 1,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,462,131,750 | 706 |
| Average earning assets | $1,369,983,500 | 694 |
| Average equity | $166,900,500 | 655 |
| Average total loans | $1,235,295,250 | 557 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8221% | 2,009 |
| Cost of funding earning assets | 0.2941% | 2,831 |
| Net interest margin | 3.5281% | 1,780 |
| Noninterest income to average assets | 0.8607% | 1,374 |
| Noninterest expense to average assets | 2.1297% | 3,305 |
| Loan and lease loss provision to assets | 0.1418% | 856 |
| Net operating income to assets | 1.3856% | 1,599 |
| Return on assets (ROA) | 1.3995% | 1,638 |
| Pretax return on assets | 1.9042% | 1,014 |
| Return on Equity (ROE) | 12.3449% | 1,935 |
| Retained earnings to average equity (ytd only) | 4.8497% | 3,244 |
| Net charge-offs to loans | -0.0758% | 4,532 |
| Credit loss provision to net charge-offs | -222.2707% | 3,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2379% | 4,444 |
| Assets per employee ($millions) | 7.7315% | 1,343 |
| Cash dividends to net income (ytd only)* | 60.7146% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6332% | 4,621 |
| Loan loss allowance to noncurrent loans | 1,043.6129% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.0506% | 3,916 |
| Noncurrent loans to loans | 0.0607% | 3,879 |
| Net loans and leases to total assets | 82.9106% | 176 |
| Net loans and leases to deposits | 99.7006% | 262 |
| Net loans and leases to core deposits | 105.1881% | 495 |
| Total domestic deposits to total assets | 83.1595% | 3,670 |
| Equity capital to assets | 11.4063% | 1,694 |
| Core capital (leverage) ratio | 10.2955% | 2,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,435,806,000 | 712 |
| Average earning assets | $1,341,929,333 | 702 |
| Average equity | $162,772,000 | 666 |
| Average total loans | $1,207,848,000 | 572 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7866% | 2,136 |
| Cost of funding earning assets | 0.3157% | 2,832 |
| Net interest margin | 3.4710% | 1,906 |
| Noninterest income to average assets | 0.9188% | 1,280 |
| Noninterest expense to average assets | 2.2177% | 3,053 |
| Loan and lease loss provision to assets | 0.1176% | 1,162 |
| Net operating income to assets | 1.3327% | 1,725 |
| Return on assets (ROA) | 1.3591% | 1,750 |
| Pretax return on assets | 1.8486% | 1,198 |
| Return on Equity (ROE) | 12.0291% | 2,003 |
| Retained earnings to average equity (ytd only) | 5.3987% | 3,095 |
| Net charge-offs to loans | -0.1528% | 4,736 |
| Credit loss provision to net charge-offs | -91.0714% | 2,819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3093% | 4,244 |
| Assets per employee ($millions) | 7.3603% | 1,550 |
| Cash dividends to net income (ytd only)* | 55.1198% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6244% | 4,665 |
| Loan loss allowance to noncurrent loans | 654.4259% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.0803% | 3,809 |
| Noncurrent loans to loans | 0.0954% | 3,826 |
| Net loans and leases to total assets | 83.6601% | 164 |
| Net loans and leases to deposits | 102.4136% | 230 |
| Net loans and leases to core deposits | 109.9711% | 405 |
| Total domestic deposits to total assets | 81.6885% | 3,959 |
| Equity capital to assets | 11.0752% | 1,807 |
| Core capital (leverage) ratio | 10.0740% | 2,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,388,294,500 | 731 |
| Average earning assets | $1,292,556,000 | 717 |
| Average equity | $156,852,500 | 680 |
| Average total loans | $1,173,118,500 | 581 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0305% | 2,636 |
| Cost of funding earning assets | 0.4982% | 2,961 |
| Net interest margin | 3.5322% | 2,363 |
| Noninterest income to average assets | 0.8223% | 1,473 |
| Noninterest expense to average assets | 2.1069% | 3,924 |
| Loan and lease loss provision to assets | 0.1933% | 2,024 |
| Net operating income to assets | 1.3329% | 1,168 |
| Return on assets (ROA) | 1.3342% | 1,258 |
| Pretax return on assets | 1.8160% | 664 |
| Return on Equity (ROE) | 11.0262% | 1,619 |
| Retained earnings to average equity (ytd only) | 4.5854% | 2,488 |
| Net charge-offs to loans | -0.0009% | 3,934 |
| Credit loss provision to net charge-offs | -24,550.0000% | 4,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3122% | 4,574 |
| Assets per employee ($millions) | 7.2131% | 1,442 |
| Cash dividends to net income (ytd only)* | 58.4140% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5747% | 4,733 |
| Loan loss allowance to noncurrent loans | 576.8761% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.0845% | 3,906 |
| Noncurrent loans to loans | 0.0996% | 3,894 |
| Net loans and leases to total assets | 84.3431% | 158 |
| Net loans and leases to deposits | 104.3785% | 255 |
| Net loans and leases to core deposits | 112.3234% | 448 |
| Total domestic deposits to total assets | 80.8050% | 3,905 |
| Equity capital to assets | 11.5318% | 1,859 |
| Core capital (leverage) ratio | 10.1555% | 2,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,270,274,400 | 717 |
| Average earning assets | $1,183,948,800 | 709 |
| Average equity | $153,706,000 | 657 |
| Average total loans | $1,070,269,600 | 597 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6152% | 3,979 |
| Cost of funding earning assets | 0.4705% | 3,416 |
| Net interest margin | 3.1448% | 3,631 |
| Noninterest income to average assets | 0.6796% | 1,857 |
| Noninterest expense to average assets | 1.7029% | 4,624 |
| Loan and lease loss provision to assets | 0.1948% | 2,030 |
| Net operating income to assets | 1.2565% | 1,461 |
| Return on assets (ROA) | 1.2583% | 1,572 |
| Pretax return on assets | 1.7193% | 930 |
| Return on Equity (ROE) | 10.2682% | 1,923 |
| Retained earnings to average equity (ytd only) | 3.6469% | 3,228 |
| Net charge-offs to loans | -0.0005% | 3,779 |
| Credit loss provision to net charge-offs | -45,625.0000% | 4,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9537% | 4,711 |
| Assets per employee ($millions) | 6.7845% | 1,631 |
| Cash dividends to net income (ytd only)* | 64.4833% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5367% | 4,784 |
| Loan loss allowance to noncurrent loans | 844.6750% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.0552% | 4,160 |
| Noncurrent loans to loans | 0.0635% | 4,113 |
| Net loans and leases to total assets | 86.4331% | 134 |
| Net loans and leases to deposits | 107.6614% | 277 |
| Net loans and leases to core deposits | 115.9772% | 503 |
| Total domestic deposits to total assets | 80.2824% | 3,801 |
| Equity capital to assets | 11.9567% | 1,705 |
| Core capital (leverage) ratio | 10.4051% | 2,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,248,829,000 | 714 |
| Average earning assets | $1,165,625,750 | 709 |
| Average equity | $153,038,000 | 653 |
| Average total loans | $1,050,249,500 | 602 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0893% | 4,791 |
| Cost of funding earning assets | 0.4717% | 3,693 |
| Net interest margin | 2.6176% | 4,637 |
| Noninterest income to average assets | 0.5059% | 2,538 |
| Noninterest expense to average assets | 1.3275% | 4,936 |
| Loan and lease loss provision to assets | 0.1782% | 2,233 |
| Net operating income to assets | 1.0845% | 2,017 |
| Return on assets (ROA) | 1.0871% | 2,133 |
| Pretax return on assets | 1.4488% | 1,594 |
| Return on Equity (ROE) | 8.7948% | 2,454 |
| Retained earnings to average equity (ytd only) | 8.7948% | 1,072 |
| Net charge-offs to loans | -0.0004% | 3,717 |
| Credit loss provision to net charge-offs | -54,750.0000% | 4,334 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9807% | 4,776 |
| Assets per employee ($millions) | 7.3845% | 1,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4811% | 4,853 |
| Loan loss allowance to noncurrent loans | 507.5543% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.0801% | 4,123 |
| Noncurrent loans to loans | 0.0948% | 4,080 |
| Net loans and leases to total assets | 84.1222% | 241 |
| Net loans and leases to deposits | 105.1940% | 340 |
| Net loans and leases to core deposits | 112.9367% | 636 |
| Total domestic deposits to total assets | 79.9686% | 3,842 |
| Equity capital to assets | 12.0603% | 1,628 |
| Core capital (leverage) ratio | 12.5575% | 1,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,228,633,000 | 715 |
| Average earning assets | $1,147,780,000 | 708 |
| Average equity | $151,863,000 | 653 |
| Average total loans | $1,021,040,333 | 606 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5040% | 2,300 |
| Cost of funding earning assets | 0.7110% | 2,885 |
| Net interest margin | 3.7930% | 2,009 |
| Noninterest income to average assets | 0.4801% | 2,651 |
| Noninterest expense to average assets | 1.6923% | 4,786 |
| Loan and lease loss provision to assets | 0.1598% | 1,811 |
| Net operating income to assets | 1.7680% | 438 |
| Return on assets (ROA) | 1.7761% | 479 |
| Pretax return on assets | 2.2876% | 241 |
| Return on Equity (ROE) | 14.1762% | 661 |
| Retained earnings to average equity (ytd only) | 14.1762% | 241 |
| Net charge-offs to loans | 0.0023% | 2,508 |
| Credit loss provision to net charge-offs | 8,333.3333% | 88 |
| Earnings coverage of net charge-offs (x) | 1,270.6667% | 40 |
| Efficiency ratio | 40.9816% | 4,968 |
| Assets per employee ($millions) | 7.3411% | 954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8235% | 4,351 |
| Loan loss allowance to noncurrent loans | 816.5428% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.0852% | 4,179 |
| Noncurrent loans to loans | 0.1009% | 4,102 |
| Net loans and leases to total assets | 83.7994% | 281 |
| Net loans and leases to deposits | 106.9014% | 263 |
| Net loans and leases to core deposits | 110.5589% | 827 |
| Total domestic deposits to total assets | 78.3894% | 4,160 |
| Equity capital to assets | 12.6375% | 1,652 |
| Core capital (leverage) ratio | 12.7425% | 1,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $625,642,500 | 1,223 |
| Average earning assets | $601,950,500 | 1,182 |
| Average equity | $78,385,000 | 1,158 |
| Average total loans | $522,681,500 | 1,055 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6778% | 2,394 |
| Cost of funding earning assets | 0.6522% | 3,404 |
| Net interest margin | 4.0256% | 1,770 |
| Noninterest income to average assets | 0.7216% | 1,736 |
| Noninterest expense to average assets | 1.9931% | 4,545 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.9376% | 403 |
| Return on assets (ROA) | 1.9376% | 419 |
| Pretax return on assets | 2.5719% | 186 |
| Return on Equity (ROE) | 13.8753% | 924 |
| Retained earnings to average equity (ytd only) | 13.8753% | 132 |
| Net charge-offs to loans | 0.0023% | 3,614 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 1,325.9000% | 71 |
| Efficiency ratio | 43.6602% | 4,990 |
| Assets per employee ($millions) | 7.2087% | 971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8101% | 4,279 |
| Loan loss allowance to noncurrent loans | 707.6792% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.1410% | 3,934 |
| Noncurrent loans to loans | 0.1145% | 4,073 |
| Net loans and leases to total assets | 81.9047% | 570 |
| Net loans and leases to deposits | 100.5766% | 564 |
| Net loans and leases to core deposits | 103.4387% | 1,277 |
| Total domestic deposits to total assets | 81.4351% | 3,669 |
| Equity capital to assets | 12.4179% | 1,872 |
| Core capital (leverage) ratio | 12.7365% | 1,357 |
| Tier 1 risk-based capital ratio | 13.1822% | 3,695 |
| Total risk-based capital ratio | 13.8940% | 3,869 |
| Memoranda: | ||
| Average total assets | $515,537,000 | 1,386 |
| Average earning assets | $492,201,400 | 1,346 |
| Average equity | $71,991,000 | 1,196 |
| Average total loans | $432,026,000 | 1,193 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6900% | 2,452 |
| Cost of funding earning assets | 0.6042% | 3,680 |
| Net interest margin | 4.0857% | 1,655 |
| Noninterest income to average assets | 0.7788% | 1,489 |
| Noninterest expense to average assets | 1.9481% | 4,649 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.0685% | 347 |
| Return on assets (ROA) | 2.0685% | 361 |
| Pretax return on assets | 2.7212% | 164 |
| Return on Equity (ROE) | 14.3107% | 924 |
| Retained earnings to average equity (ytd only) | 14.3107% | 193 |
| Net charge-offs to loans | 0.0029% | 3,319 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 1,109.8608% | 79 |
| Efficiency ratio | 41.7211% | 5,087 |
| Assets per employee ($millions) | 6.0983% | 1,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9016% | 4,038 |
| Loan loss allowance to noncurrent loans | 699.3255% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.2315% | 3,651 |
| Noncurrent loans to loans | 0.1289% | 4,072 |
| Net loans and leases to total assets | 86.9080% | 138 |
| Net loans and leases to deposits | 112.0593% | 179 |
| Net loans and leases to core deposits | 116.3958% | 642 |
| Total domestic deposits to total assets | 77.5554% | 4,434 |
| Equity capital to assets | 14.2280% | 1,065 |
| Core capital (leverage) ratio | 14.4946% | 859 |
| Tier 1 risk-based capital ratio | 14.5431% | 3,055 |
| Total risk-based capital ratio | 15.3536% | 3,182 |
| Memoranda: | ||
| Average total assets | $489,433,500 | 1,457 |
| Average earning assets | $466,034,250 | 1,433 |
| Average equity | $70,742,500 | 1,210 |
| Average total loans | $412,053,500 | 1,247 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6225% | 2,603 |
| Cost of funding earning assets | 0.5681% | 3,801 |
| Net interest margin | 4.0544% | 1,744 |
| Noninterest income to average assets | 0.8171% | 1,293 |
| Noninterest expense to average assets | 1.9562% | 4,675 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.0994% | 325 |
| Return on assets (ROA) | 2.0994% | 337 |
| Pretax return on assets | 2.7181% | 176 |
| Return on Equity (ROE) | 14.4420% | 888 |
| Retained earnings to average equity (ytd only) | 14.4420% | 200 |
| Net charge-offs to loans | -0.0116% | 4,371 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.8503% | 5,120 |
| Assets per employee ($millions) | 5.7596% | 1,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0127% | 3,547 |
| Loan loss allowance to noncurrent loans | 434.8595% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.3236% | 3,239 |
| Noncurrent loans to loans | 0.2329% | 3,710 |
| Net loans and leases to total assets | 83.4340% | 419 |
| Net loans and leases to deposits | 102.8739% | 482 |
| Net loans and leases to core deposits | 107.5061% | 1,136 |
| Total domestic deposits to total assets | 81.1031% | 3,773 |
| Equity capital to assets | 14.7082% | 889 |
| Core capital (leverage) ratio | 15.0534% | 694 |
| Tier 1 risk-based capital ratio | 15.6277% | 2,575 |
| Total risk-based capital ratio | 16.5370% | 2,652 |
| Memoranda: | ||
| Average total assets | $477,760,670 | 1,491 |
| Average earning assets | $454,517,670 | 1,457 |
| Average equity | $69,450,330 | 1,218 |
| Average total loans | $396,092,000 | 1,285 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5564% | 2,676 |
| Cost of funding earning assets | 0.5356% | 3,893 |
| Net interest margin | 4.0209% | 1,789 |
| Noninterest income to average assets | 0.9427% | 936 |
| Noninterest expense to average assets | 1.9743% | 4,691 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.2066% | 269 |
| Return on assets (ROA) | 2.2066% | 279 |
| Pretax return on assets | 2.7932% | 157 |
| Return on Equity (ROE) | 15.2730% | 700 |
| Retained earnings to average equity (ytd only) | 15.2730% | 260 |
| Net charge-offs to loans | -0.0144% | 4,364 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4118% | 5,176 |
| Assets per employee ($millions) | 5.7206% | 1,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0586% | 3,362 |
| Loan loss allowance to noncurrent loans | 419.6177% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.3365% | 3,256 |
| Noncurrent loans to loans | 0.2523% | 3,662 |
| Net loans and leases to total assets | 81.1250% | 694 |
| Net loans and leases to deposits | 99.0002% | 696 |
| Net loans and leases to core deposits | 103.9777% | 1,318 |
| Total domestic deposits to total assets | 81.9443% | 3,739 |
| Equity capital to assets | 14.4705% | 887 |
| Core capital (leverage) ratio | 14.9527% | 708 |
| Tier 1 risk-based capital ratio | 16.5225% | 2,257 |
| Total risk-based capital ratio | 17.5154% | 2,296 |
| Memoranda: | ||
| Average total assets | $471,859,500 | 1,518 |
| Average earning assets | $448,859,000 | 1,479 |
| Average equity | $68,172,500 | 1,229 |
| Average total loans | $387,817,500 | 1,321 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2157% | 679 |
| Cost of funding earning assets | 0.6531% | 2,373 |
| Net interest margin | 4.5627% | 671 |
| Noninterest income to average assets | 0.6325% | 2,142 |
| Noninterest expense to average assets | 2.3852% | 3,919 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.9804% | 377 |
| Return on assets (ROA) | 1.9804% | 375 |
| Pretax return on assets | 2.5824% | 176 |
| Return on Equity (ROE) | 15.1808% | 785 |
| Retained earnings to average equity (ytd only) | 15.1808% | 109 |
| Net charge-offs to loans | -0.0869% | 5,116 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0151% | 5,045 |
| Assets per employee ($millions) | 5.5141% | 1,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0893% | 3,178 |
| Loan loss allowance to noncurrent loans | 386.3383% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.3666% | 3,087 |
| Noncurrent loans to loans | 0.2819% | 3,557 |
| Net loans and leases to total assets | 81.4952% | 732 |
| Net loans and leases to deposits | 99.3802% | 787 |
| Net loans and leases to core deposits | 104.7023% | 1,360 |
| Total domestic deposits to total assets | 82.0034% | 3,641 |
| Equity capital to assets | 14.4239% | 862 |
| Core capital (leverage) ratio | 14.4921% | 798 |
| Tier 1 risk-based capital ratio | 16.4951% | 2,239 |
| Total risk-based capital ratio | 17.5215% | 2,265 |
| Memoranda: | ||
| Average total assets | $384,371,000 | 1,782 |
| Average earning assets | $365,203,600 | 1,746 |
| Average equity | $50,142,400 | 1,517 |
| Average total loans | $329,001,400 | 1,484 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3789% | 450 |
| Cost of funding earning assets | 0.6977% | 1,856 |
| Net interest margin | 4.6811% | 490 |
| Noninterest income to average assets | 0.6844% | 1,914 |
| Noninterest expense to average assets | 2.4219% | 3,801 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.0983% | 312 |
| Return on assets (ROA) | 2.0983% | 308 |
| Pretax return on assets | 2.7122% | 164 |
| Return on Equity (ROE) | 16.6432% | 594 |
| Retained earnings to average equity (ytd only) | 16.1357% | 128 |
| Net charge-offs to loans | -0.1098% | 5,189 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1728% | 5,090 |
| Assets per employee ($millions) | 5.6252% | 1,803 |
| Cash dividends to net income (ytd only)* | 3.0493% | 3,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1287% | 3,031 |
| Loan loss allowance to noncurrent loans | 507.4300% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.3211% | 3,406 |
| Noncurrent loans to loans | 0.2224% | 3,914 |
| Net loans and leases to total assets | 80.0932% | 1,005 |
| Net loans and leases to deposits | 98.4858% | 915 |
| Net loans and leases to core deposits | 104.0454% | 1,447 |
| Total domestic deposits to total assets | 81.3247% | 3,782 |
| Equity capital to assets | 14.2514% | 889 |
| Core capital (leverage) ratio | 14.1982% | 886 |
| Tier 1 risk-based capital ratio | 16.8785% | 2,144 |
| Total risk-based capital ratio | 17.9613% | 2,149 |
| Memoranda: | ||
| Average total assets | $364,666,750 | 1,863 |
| Average earning assets | $346,633,000 | 1,826 |
| Average equity | $45,975,500 | 1,634 |
| Average total loans | $315,843,500 | 1,535 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5487% | 1,943 |
| Cost of funding earning assets | 0.6291% | 2,053 |
| Net interest margin | 3.9195% | 2,141 |
| Noninterest income to average assets | 0.6855% | 1,929 |
| Noninterest expense to average assets | 1.9854% | 4,825 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.8729% | 503 |
| Return on assets (ROA) | 1.8729% | 498 |
| Pretax return on assets | 2.4233% | 258 |
| Return on Equity (ROE) | 15.7909% | 712 |
| Retained earnings to average equity (ytd only) | 15.7909% | 164 |
| Net charge-offs to loans | -0.1503% | 5,271 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0339% | 5,255 |
| Assets per employee ($millions) | 6.3419% | 1,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 2,843 |
| Loan loss allowance to noncurrent loans | 2,770.7692% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.1833% | 4,063 |
| Noncurrent loans to loans | 0.0425% | 4,728 |
| Net loans and leases to total assets | 85.0815% | 347 |
| Net loans and leases to deposits | 102.4042% | 632 |
| Net loans and leases to core deposits | 107.9797% | 1,121 |
| Total domestic deposits to total assets | 83.0840% | 3,389 |
| Equity capital to assets | 11.6117% | 2,116 |
| Core capital (leverage) ratio | 12.0306% | 1,696 |
| Tier 1 risk-based capital ratio | 12.6446% | 4,099 |
| Total risk-based capital ratio | 13.7494% | 4,080 |
| Memoranda: | ||
| Average total assets | $334,342,670 | 1,989 |
| Average earning assets | $317,588,000 | 1,952 |
| Average equity | $39,655,670 | 1,877 |
| Average total loans | $298,090,670 | 1,614 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4565% | 2,006 |
| Cost of funding earning assets | 0.5822% | 2,156 |
| Net interest margin | 3.8743% | 2,142 |
| Noninterest income to average assets | 0.6544% | 2,018 |
| Noninterest expense to average assets | 2.0065% | 4,834 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7262% | 651 |
| Return on assets (ROA) | 1.7262% | 661 |
| Pretax return on assets | 2.3288% | 303 |
| Return on Equity (ROE) | 14.3886% | 931 |
| Retained earnings to average equity (ytd only) | 14.3886% | 377 |
| Net charge-offs to loans | -0.0054% | 4,041 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2831% | 5,261 |
| Assets per employee ($millions) | 6.0709% | 1,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 3,295 |
| Loan loss allowance to noncurrent loans | 1,285.9316% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.2689% | 3,792 |
| Noncurrent loans to loans | 0.0866% | 4,598 |
| Net loans and leases to total assets | 89.8958% | 66 |
| Net loans and leases to deposits | 109.6846% | 267 |
| Net loans and leases to core deposits | 116.4831% | 712 |
| Total domestic deposits to total assets | 81.9584% | 3,978 |
| Equity capital to assets | 11.8290% | 1,896 |
| Core capital (leverage) ratio | 12.2261% | 1,508 |
| Tier 1 risk-based capital ratio | 12.5050% | 4,234 |
| Total risk-based capital ratio | 13.5758% | 4,255 |
| Memoranda: | ||
| Average total assets | $323,939,500 | 2,056 |
| Average earning assets | $307,775,000 | 2,010 |
| Average equity | $38,864,000 | 1,918 |
| Average total loans | $294,252,000 | 1,639 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6179% | 1,376 |
| Cost of funding earning assets | 0.5190% | 2,188 |
| Net interest margin | 4.0989% | 1,443 |
| Noninterest income to average assets | 0.6789% | 2,054 |
| Noninterest expense to average assets | 2.3481% | 4,213 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1771% | 1,590 |
| Return on assets (ROA) | 1.1771% | 1,612 |
| Pretax return on assets | 2.1948% | 319 |
| Return on Equity (ROE) | 9.4389% | 2,119 |
| Retained earnings to average equity (ytd only) | 9.4389% | 429 |
| Net charge-offs to loans | -0.0050% | 4,638 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6871% | 5,121 |
| Assets per employee ($millions) | 5.8144% | 1,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 2,860 |
| Loan loss allowance to noncurrent loans | 1,241.9118% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.2889% | 3,731 |
| Noncurrent loans to loans | 0.0955% | 4,564 |
| Net loans and leases to total assets | 89.6818% | 86 |
| Net loans and leases to deposits | 111.1378% | 239 |
| Net loans and leases to core deposits | 118.9174% | 620 |
| Total domestic deposits to total assets | 80.6942% | 4,191 |
| Equity capital to assets | 12.1763% | 1,717 |
| Core capital (leverage) ratio | 12.1551% | 1,529 |
| Tier 1 risk-based capital ratio | 12.8457% | 4,006 |
| Total risk-based capital ratio | 13.9847% | 3,969 |
| Memoranda: | ||
| Average total assets | $289,003,200 | 2,227 |
| Average earning assets | $272,442,000 | 2,194 |
| Average equity | $36,042,200 | 2,021 |
| Average total loans | $260,846,800 | 1,757 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6449% | 1,258 |
| Cost of funding earning assets | 0.5096% | 2,192 |
| Net interest margin | 4.1352% | 1,306 |
| Noninterest income to average assets | 0.6762% | 2,102 |
| Noninterest expense to average assets | 2.2841% | 4,343 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4000% | 1,089 |
| Return on assets (ROA) | 1.4000% | 1,113 |
| Pretax return on assets | 2.2832% | 303 |
| Return on Equity (ROE) | 11.1525% | 1,628 |
| Retained earnings to average equity (ytd only) | 11.1525% | 393 |
| Net charge-offs to loans | -0.0068% | 4,530 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0103% | 5,247 |
| Assets per employee ($millions) | 5.8485% | 1,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2178% | 2,820 |
| Loan loss allowance to noncurrent loans | 1,189.7887% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.3022% | 3,863 |
| Noncurrent loans to loans | 0.1024% | 4,652 |
| Net loans and leases to total assets | 90.1273% | 78 |
| Net loans and leases to deposits | 113.2745% | 196 |
| Net loans and leases to core deposits | 124.1415% | 460 |
| Total domestic deposits to total assets | 79.5654% | 4,419 |
| Equity capital to assets | 12.4325% | 1,697 |
| Core capital (leverage) ratio | 12.5496% | 1,399 |
| Tier 1 risk-based capital ratio | 13.0617% | 3,967 |
| Total risk-based capital ratio | 14.2336% | 3,929 |
| Memoranda: | ||
| Average total assets | $282,759,500 | 2,285 |
| Average earning assets | $266,063,500 | 2,250 |
| Average equity | $35,495,000 | 2,058 |
| Average total loans | $254,818,750 | 1,801 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6625% | 1,133 |
| Cost of funding earning assets | 0.4939% | 2,218 |
| Net interest margin | 4.1686% | 1,151 |
| Noninterest income to average assets | 0.6226% | 2,364 |
| Noninterest expense to average assets | 2.3611% | 4,181 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3670% | 1,135 |
| Return on assets (ROA) | 1.3670% | 1,162 |
| Pretax return on assets | 2.1811% | 367 |
| Return on Equity (ROE) | 10.8515% | 1,697 |
| Retained earnings to average equity (ytd only) | 10.8515% | 463 |
| Net charge-offs to loans | -0.0040% | 4,287 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9808% | 5,176 |
| Assets per employee ($millions) | 5.4993% | 1,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 2,545 |
| Loan loss allowance to noncurrent loans | 1,146.2585% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.3128% | 3,871 |
| Noncurrent loans to loans | 0.1112% | 4,676 |
| Net loans and leases to total assets | 87.8862% | 154 |
| Net loans and leases to deposits | 109.2910% | 278 |
| Net loans and leases to core deposits | 119.6272% | 570 |
| Total domestic deposits to total assets | 80.4149% | 4,321 |
| Equity capital to assets | 12.0417% | 1,900 |
| Core capital (leverage) ratio | 12.3298% | 1,456 |
| Tier 1 risk-based capital ratio | 12.9274% | 4,047 |
| Total risk-based capital ratio | 14.1499% | 3,978 |
| Memoranda: | ||
| Average total assets | $275,638,670 | 2,338 |
| Average earning assets | $259,174,670 | 2,305 |
| Average equity | $34,723,330 | 2,095 |
| Average total loans | $247,266,330 | 1,841 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6917% | 954 |
| Cost of funding earning assets | 0.4660% | 2,376 |
| Net interest margin | 4.2257% | 935 |
| Noninterest income to average assets | 0.5495% | 2,667 |
| Noninterest expense to average assets | 2.4772% | 3,886 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2831% | 1,283 |
| Return on assets (ROA) | 1.2831% | 1,317 |
| Pretax return on assets | 2.0424% | 468 |
| Return on Equity (ROE) | 9.9399% | 1,988 |
| Retained earnings to average equity (ytd only) | 9.9399% | 819 |
| Net charge-offs to loans | -0.0050% | 4,185 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8096% | 5,060 |
| Assets per employee ($millions) | 5.3413% | 2,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3604% | 2,259 |
| Loan loss allowance to noncurrent loans | 668.2540% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.4181% | 3,508 |
| Noncurrent loans to loans | 0.2036% | 4,389 |
| Net loans and leases to total assets | 89.6452% | 68 |
| Net loans and leases to deposits | 114.9275% | 138 |
| Net loans and leases to core deposits | 128.0683% | 289 |
| Total domestic deposits to total assets | 78.0015% | 4,964 |
| Equity capital to assets | 12.7178% | 1,394 |
| Core capital (leverage) ratio | 12.9936% | 1,143 |
| Tier 1 risk-based capital ratio | 13.6451% | 3,688 |
| Total risk-based capital ratio | 14.8959% | 3,594 |
| Memoranda: | ||
| Average total assets | $264,978,000 | 2,430 |
| Average earning assets | $248,950,500 | 2,407 |
| Average equity | $34,205,500 | 2,134 |
| Average total loans | $238,721,000 | 1,896 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6566% | 1,156 |
| Cost of funding earning assets | 0.4365% | 2,638 |
| Net interest margin | 4.2201% | 1,070 |
| Noninterest income to average assets | 0.7683% | 1,891 |
| Noninterest expense to average assets | 2.2486% | 4,654 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.5632% | 739 |
| Return on assets (ROA) | 1.5632% | 764 |
| Pretax return on assets | 2.5143% | 195 |
| Return on Equity (ROE) | 11.9470% | 1,262 |
| Retained earnings to average equity (ytd only) | 11.9470% | 221 |
| Net charge-offs to loans | -0.0405% | 5,339 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2113% | 5,603 |
| Assets per employee ($millions) | 4.9529% | 2,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4638% | 1,822 |
| Loan loss allowance to noncurrent loans | 826.7813% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.5735% | 3,010 |
| Noncurrent loans to loans | 0.1771% | 4,527 |
| Net loans and leases to total assets | 87.9480% | 126 |
| Net loans and leases to deposits | 114.2189% | 153 |
| Net loans and leases to core deposits | 125.3922% | 357 |
| Total domestic deposits to total assets | 76.9995% | 5,118 |
| Equity capital to assets | 13.1108% | 1,215 |
| Core capital (leverage) ratio | 12.8391% | 1,193 |
| Tier 1 risk-based capital ratio | 14.2253% | 3,334 |
| Total risk-based capital ratio | 15.4774% | 3,263 |
| Memoranda: | ||
| Average total assets | $244,684,800 | 2,550 |
| Average earning assets | $231,604,600 | 2,503 |
| Average equity | $32,016,400 | 2,223 |
| Average total loans | $217,182,200 | 1,990 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6810% | 1,108 |
| Cost of funding earning assets | 0.4310% | 2,730 |
| Net interest margin | 4.2500% | 1,028 |
| Noninterest income to average assets | 0.7670% | 1,901 |
| Noninterest expense to average assets | 2.1926% | 4,789 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.6029% | 725 |
| Return on assets (ROA) | 1.6029% | 764 |
| Pretax return on assets | 2.6090% | 187 |
| Return on Equity (ROE) | 12.2569% | 1,249 |
| Retained earnings to average equity (ytd only) | 12.2569% | 274 |
| Net charge-offs to loans | -0.0548% | 5,395 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6647% | 5,681 |
| Assets per employee ($millions) | 5.9154% | 1,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4666% | 1,903 |
| Loan loss allowance to noncurrent loans | 795.5083% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.6097% | 3,080 |
| Noncurrent loans to loans | 0.1844% | 4,611 |
| Net loans and leases to total assets | 86.8594% | 194 |
| Net loans and leases to deposits | 112.6673% | 211 |
| Net loans and leases to core deposits | 127.7771% | 339 |
| Total domestic deposits to total assets | 77.0937% | 5,068 |
| Equity capital to assets | 12.7329% | 1,633 |
| Core capital (leverage) ratio | 13.1515% | 1,132 |
| Tier 1 risk-based capital ratio | 14.2097% | 3,454 |
| Total risk-based capital ratio | 15.4623% | 3,377 |
| Memoranda: | ||
| Average total assets | $241,468,250 | 2,575 |
| Average earning assets | $229,232,750 | 2,528 |
| Average equity | $31,578,750 | 2,264 |
| Average total loans | $214,008,750 | 2,018 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6715% | 1,113 |
| Cost of funding earning assets | 0.4269% | 2,763 |
| Net interest margin | 4.2446% | 1,029 |
| Noninterest income to average assets | 0.6684% | 2,286 |
| Noninterest expense to average assets | 2.2203% | 4,800 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5383% | 834 |
| Return on assets (ROA) | 1.4175% | 1,075 |
| Pretax return on assets | 2.3606% | 274 |
| Return on Equity (ROE) | 10.7348% | 1,749 |
| Retained earnings to average equity (ytd only) | 10.7348% | 473 |
| Net charge-offs to loans | -0.0737% | 5,513 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2237% | 5,700 |
| Assets per employee ($millions) | 6.0506% | 1,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5565% | 1,657 |
| Loan loss allowance to noncurrent loans | 1,140.8163% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.6024% | 3,217 |
| Noncurrent loans to loans | 0.1364% | 4,894 |
| Net loans and leases to total assets | 87.6487% | 155 |
| Net loans and leases to deposits | 113.9400% | 178 |
| Net loans and leases to core deposits | 132.0719% | 274 |
| Total domestic deposits to total assets | 76.9253% | 5,169 |
| Equity capital to assets | 13.1942% | 1,393 |
| Core capital (leverage) ratio | 13.2900% | 1,061 |
| Tier 1 risk-based capital ratio | 14.5529% | 3,288 |
| Total risk-based capital ratio | 15.8072% | 3,219 |
| Memoranda: | ||
| Average total assets | $235,198,330 | 2,638 |
| Average earning assets | $223,481,330 | 2,583 |
| Average equity | $31,058,000 | 2,303 |
| Average total loans | $208,864,670 | 2,065 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7407% | 970 |
| Cost of funding earning assets | 0.4247% | 2,821 |
| Net interest margin | 4.3160% | 899 |
| Noninterest income to average assets | 0.6834% | 2,120 |
| Noninterest expense to average assets | 2.1761% | 4,958 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6118% | 685 |
| Return on assets (ROA) | 1.6118% | 729 |
| Pretax return on assets | 2.6110% | 203 |
| Return on Equity (ROE) | 12.2010% | 1,254 |
| Retained earnings to average equity (ytd only) | 12.2010% | 480 |
| Net charge-offs to loans | -0.0078% | 4,432 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4578% | 5,832 |
| Assets per employee ($millions) | 5.8754% | 1,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5594% | 1,752 |
| Loan loss allowance to noncurrent loans | 1,600.4878% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.5825% | 3,319 |
| Noncurrent loans to loans | 0.0974% | 5,080 |
| Net loans and leases to total assets | 88.1294% | 111 |
| Net loans and leases to deposits | 111.0528% | 202 |
| Net loans and leases to core deposits | 128.9714% | 287 |
| Total domestic deposits to total assets | 79.3581% | 4,885 |
| Equity capital to assets | 13.2429% | 1,297 |
| Core capital (leverage) ratio | 13.3802% | 1,025 |
| Tier 1 risk-based capital ratio | 14.3249% | 3,485 |
| Total risk-based capital ratio | 15.5781% | 3,407 |
| Memoranda: | ||
| Average total assets | $231,786,000 | 2,674 |
| Average earning assets | $220,389,000 | 2,617 |
| Average equity | $30,620,500 | 2,332 |
| Average total loans | $205,555,000 | 2,093 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7121% | 1,079 |
| Cost of funding earning assets | 0.4198% | 2,941 |
| Net interest margin | 4.2922% | 975 |
| Noninterest income to average assets | 0.6323% | 2,553 |
| Noninterest expense to average assets | 2.1164% | 5,222 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.5979% | 708 |
| Return on assets (ROA) | 1.6590% | 639 |
| Pretax return on assets | 2.6372% | 165 |
| Return on Equity (ROE) | 12.5623% | 1,165 |
| Retained earnings to average equity (ytd only) | 12.5623% | 225 |
| Net charge-offs to loans | -0.2091% | 5,957 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1019% | 5,950 |
| Assets per employee ($millions) | 5.7139% | 1,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6327% | 1,521 |
| Loan loss allowance to noncurrent loans | 462.8531% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.8703% | 2,495 |
| Noncurrent loans to loans | 0.3527% | 4,202 |
| Net loans and leases to total assets | 86.3831% | 203 |
| Net loans and leases to deposits | 109.0591% | 269 |
| Net loans and leases to core deposits | 125.3519% | 349 |
| Total domestic deposits to total assets | 79.2076% | 4,929 |
| Equity capital to assets | 13.1776% | 1,268 |
| Core capital (leverage) ratio | 13.0096% | 1,147 |
| Tier 1 risk-based capital ratio | 14.4412% | 3,472 |
| Total risk-based capital ratio | 15.6954% | 3,382 |
| Memoranda: | ||
| Average total assets | $214,281,800 | 2,799 |
| Average earning assets | $202,691,600 | 2,751 |
| Average equity | $28,299,000 | 2,436 |
| Average total loans | $183,681,600 | 2,200 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6357% | 1,242 |
| Cost of funding earning assets | 0.4183% | 3,022 |
| Net interest margin | 4.2174% | 1,127 |
| Noninterest income to average assets | 0.7663% | 1,949 |
| Noninterest expense to average assets | 2.1007% | 5,270 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.6515% | 684 |
| Return on assets (ROA) | 1.7097% | 638 |
| Pretax return on assets | 2.7107% | 170 |
| Return on Equity (ROE) | 12.9383% | 1,137 |
| Retained earnings to average equity (ytd only) | 12.9383% | 283 |
| Net charge-offs to loans | -0.0216% | 5,228 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1960% | 6,034 |
| Assets per employee ($millions) | 5.8318% | 1,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5625% | 1,925 |
| Loan loss allowance to noncurrent loans | 307.5789% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 1.0920% | 2,173 |
| Noncurrent loans to loans | 0.5080% | 3,823 |
| Net loans and leases to total assets | 83.0679% | 466 |
| Net loans and leases to deposits | 105.4179% | 388 |
| Net loans and leases to core deposits | 122.9593% | 400 |
| Total domestic deposits to total assets | 78.7987% | 5,026 |
| Equity capital to assets | 13.1913% | 1,356 |
| Core capital (leverage) ratio | 13.0770% | 1,178 |
| Tier 1 risk-based capital ratio | 15.0974% | 3,249 |
| Total risk-based capital ratio | 16.3505% | 3,182 |
| Memoranda: | ||
| Average total assets | $210,713,500 | 2,856 |
| Average earning assets | $199,203,000 | 2,809 |
| Average equity | $27,844,250 | 2,480 |
| Average total loans | $179,424,500 | 2,253 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5954% | 1,295 |
| Cost of funding earning assets | 0.4136% | 3,115 |
| Net interest margin | 4.1818% | 1,145 |
| Noninterest income to average assets | 0.8663% | 1,550 |
| Noninterest expense to average assets | 2.1354% | 5,260 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.6641% | 667 |
| Return on assets (ROA) | 1.7240% | 627 |
| Pretax return on assets | 2.7361% | 178 |
| Return on Equity (ROE) | 13.0381% | 1,106 |
| Retained earnings to average equity (ytd only) | 13.0381% | 303 |
| Net charge-offs to loans | -0.0170% | 5,112 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3798% | 6,098 |
| Assets per employee ($millions) | 6.3001% | 1,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5588% | 2,056 |
| Loan loss allowance to noncurrent loans | 165.3212% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 1.4295% | 1,749 |
| Noncurrent loans to loans | 0.9429% | 2,769 |
| Net loans and leases to total assets | 83.2846% | 437 |
| Net loans and leases to deposits | 103.8117% | 461 |
| Net loans and leases to core deposits | 125.0170% | 355 |
| Total domestic deposits to total assets | 80.2266% | 4,814 |
| Equity capital to assets | 12.8098% | 1,487 |
| Core capital (leverage) ratio | 12.9155% | 1,202 |
| Tier 1 risk-based capital ratio | 14.3114% | 3,753 |
| Total risk-based capital ratio | 15.5663% | 3,668 |
| Memoranda: | ||
| Average total assets | $207,081,670 | 2,922 |
| Average earning assets | $195,370,330 | 2,870 |
| Average equity | $27,381,330 | 2,528 |
| Average total loans | $176,896,670 | 2,287 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5886% | 1,250 |
| Cost of funding earning assets | 0.4139% | 3,150 |
| Net interest margin | 4.1747% | 1,116 |
| Noninterest income to average assets | 0.7506% | 1,915 |
| Noninterest expense to average assets | 2.1281% | 5,324 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5930% | 714 |
| Return on assets (ROA) | 1.6150% | 731 |
| Pretax return on assets | 2.5712% | 216 |
| Return on Equity (ROE) | 12.0079% | 1,349 |
| Retained earnings to average equity (ytd only) | 12.0079% | 574 |
| Net charge-offs to loans | -0.0070% | 4,593 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4972% | 6,128 |
| Assets per employee ($millions) | 6.2574% | 1,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6447% | 1,903 |
| Loan loss allowance to noncurrent loans | 165.9599% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 1.6461% | 1,539 |
| Noncurrent loans to loans | 0.9910% | 2,787 |
| Net loans and leases to total assets | 83.8673% | 317 |
| Net loans and leases to deposits | 105.6961% | 324 |
| Net loans and leases to core deposits | 127.6948% | 277 |
| Total domestic deposits to total assets | 79.3476% | 5,200 |
| Equity capital to assets | 13.2503% | 1,281 |
| Core capital (leverage) ratio | 13.4028% | 1,010 |
| Tier 1 risk-based capital ratio | 14.4998% | 3,721 |
| Total risk-based capital ratio | 15.7537% | 3,646 |
| Memoranda: | ||
| Average total assets | $200,371,000 | 3,009 |
| Average earning assets | $188,466,500 | 2,962 |
| Average equity | $26,949,000 | 2,588 |
| Average total loans | $172,068,500 | 2,349 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7324% | 1,233 |
| Cost of funding earning assets | 0.4219% | 3,457 |
| Net interest margin | 4.3105% | 1,036 |
| Noninterest income to average assets | 0.5719% | 3,038 |
| Noninterest expense to average assets | 1.9887% | 5,782 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.6088% | 700 |
| Return on assets (ROA) | 1.6284% | 698 |
| Pretax return on assets | 2.6428% | 156 |
| Return on Equity (ROE) | 12.2427% | 1,343 |
| Retained earnings to average equity (ytd only) | 12.2427% | 280 |
| Net charge-offs to loans | 0.2348% | 1,801 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 13.0559% | 2,312 |
| Efficiency ratio | 43.1170% | 6,344 |
| Assets per employee ($millions) | 6.2661% | 1,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7214% | 1,723 |
| Loan loss allowance to noncurrent loans | 164.6557% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 1.7699% | 1,485 |
| Noncurrent loans to loans | 1.0455% | 2,733 |
| Net loans and leases to total assets | 85.0289% | 275 |
| Net loans and leases to deposits | 107.0192% | 321 |
| Net loans and leases to core deposits | 139.4108% | 172 |
| Total domestic deposits to total assets | 79.4520% | 5,151 |
| Equity capital to assets | 13.6614% | 1,092 |
| Core capital (leverage) ratio | 13.4556% | 985 |
| Tier 1 risk-based capital ratio | 16.3628% | 2,777 |
| Total risk-based capital ratio | 17.6195% | 2,721 |
| Memoranda: | ||
| Average total assets | $187,111,000 | 3,132 |
| Average earning assets | $175,386,400 | 3,096 |
| Average equity | $24,888,400 | 2,679 |
| Average total loans | $160,153,200 | 2,420 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7026% | 1,300 |
| Cost of funding earning assets | 0.4223% | 3,551 |
| Net interest margin | 4.2802% | 1,091 |
| Noninterest income to average assets | 0.5403% | 3,259 |
| Noninterest expense to average assets | 1.9295% | 5,903 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6103% | 735 |
| Return on assets (ROA) | 1.6367% | 715 |
| Pretax return on assets | 2.6468% | 173 |
| Return on Equity (ROE) | 12.3927% | 1,373 |
| Retained earnings to average equity (ytd only) | 12.3927% | 385 |
| Net charge-offs to loans | 0.3161% | 1,260 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 9.7146% | 2,635 |
| Efficiency ratio | 42.4032% | 6,408 |
| Assets per employee ($millions) | 7.1575% | 751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7682% | 1,772 |
| Loan loss allowance to noncurrent loans | 166.2263% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 1.7842% | 1,677 |
| Noncurrent loans to loans | 1.0637% | 2,949 |
| Net loans and leases to total assets | 83.1960% | 386 |
| Net loans and leases to deposits | 104.2672% | 385 |
| Net loans and leases to core deposits | 123.5167% | 319 |
| Total domestic deposits to total assets | 79.7912% | 5,147 |
| Equity capital to assets | 13.3194% | 1,272 |
| Core capital (leverage) ratio | 13.3390% | 1,050 |
| Tier 1 risk-based capital ratio | 16.1223% | 3,002 |
| Total risk-based capital ratio | 17.3796% | 2,948 |
| Memoranda: | ||
| Average total assets | $185,326,750 | 3,185 |
| Average earning assets | $173,631,750 | 3,141 |
| Average equity | $24,476,250 | 2,719 |
| Average total loans | $158,176,500 | 2,466 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6416% | 1,423 |
| Cost of funding earning assets | 0.4255% | 3,598 |
| Net interest margin | 4.2161% | 1,202 |
| Noninterest income to average assets | 0.5485% | 3,139 |
| Noninterest expense to average assets | 1.9586% | 5,897 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5472% | 794 |
| Return on assets (ROA) | 1.5458% | 834 |
| Pretax return on assets | 2.5257% | 198 |
| Return on Equity (ROE) | 11.7398% | 1,503 |
| Retained earnings to average equity (ytd only) | 11.7398% | 450 |
| Net charge-offs to loans | -0.1241% | 6,207 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6554% | 6,434 |
| Assets per employee ($millions) | 6.6973% | 926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0735% | 1,233 |
| Loan loss allowance to noncurrent loans | 80.2958% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 3.2220% | 768 |
| Noncurrent loans to loans | 2.5823% | 1,195 |
| Net loans and leases to total assets | 84.7741% | 250 |
| Net loans and leases to deposits | 106.5047% | 285 |
| Net loans and leases to core deposits | 120.5559% | 362 |
| Total domestic deposits to total assets | 79.5966% | 5,331 |
| Equity capital to assets | 13.2549% | 1,243 |
| Core capital (leverage) ratio | 13.1289% | 1,117 |
| Tier 1 risk-based capital ratio | 15.7142% | 3,238 |
| Total risk-based capital ratio | 16.9754% | 3,175 |
| Memoranda: | ||
| Average total assets | $182,685,000 | 3,224 |
| Average earning assets | $170,632,330 | 3,193 |
| Average equity | $24,055,000 | 2,753 |
| Average total loans | $156,344,670 | 2,490 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5339% | 1,697 |
| Cost of funding earning assets | 0.4262% | 3,679 |
| Net interest margin | 4.1077% | 1,439 |
| Noninterest income to average assets | 0.4926% | 3,473 |
| Noninterest expense to average assets | 1.9394% | 5,994 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4423% | 912 |
| Return on assets (ROA) | 1.4423% | 945 |
| Pretax return on assets | 2.3809% | 270 |
| Return on Equity (ROE) | 10.9916% | 1,683 |
| Retained earnings to average equity (ytd only) | 10.9916% | 744 |
| Net charge-offs to loans | -0.0078% | 4,949 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8896% | 6,462 |
| Assets per employee ($millions) | 6.8070% | 883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0450% | 1,428 |
| Loan loss allowance to noncurrent loans | 74.2792% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 3.7782% | 657 |
| Noncurrent loans to loans | 2.7531% | 1,218 |
| Net loans and leases to total assets | 85.2777% | 173 |
| Net loans and leases to deposits | 104.2067% | 283 |
| Net loans and leases to core deposits | 123.8647% | 263 |
| Total domestic deposits to total assets | 81.8351% | 4,987 |
| Equity capital to assets | 13.0759% | 1,277 |
| Core capital (leverage) ratio | 13.2743% | 1,052 |
| Tier 1 risk-based capital ratio | 15.6247% | 3,365 |
| Total risk-based capital ratio | 16.8840% | 3,331 |
| Memoranda: | ||
| Average total assets | $180,266,000 | 3,273 |
| Average earning assets | $167,978,500 | 3,241 |
| Average equity | $23,654,500 | 2,781 |
| Average total loans | $153,348,500 | 2,543 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8447% | 1,214 |
| Cost of funding earning assets | 0.4669% | 3,942 |
| Net interest margin | 4.3778% | 947 |
| Noninterest income to average assets | 0.3158% | 5,080 |
| Noninterest expense to average assets | 2.0895% | 5,851 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3863% | 1,054 |
| Return on assets (ROA) | 1.3870% | 1,089 |
| Pretax return on assets | 2.2370% | 296 |
| Return on Equity (ROE) | 10.2833% | 1,999 |
| Retained earnings to average equity (ytd only) | 6.5351% | 1,664 |
| Net charge-offs to loans | 0.4156% | 1,611 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 6.5374% | 3,042 |
| Efficiency ratio | 48.3086% | 6,481 |
| Assets per employee ($millions) | 6.5460% | 967 |
| Cash dividends to net income (ytd only)* | 36.4494% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2284% | 1,137 |
| Loan loss allowance to noncurrent loans | 88.0183% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 3.6030% | 792 |
| Noncurrent loans to loans | 2.5318% | 1,482 |
| Net loans and leases to total assets | 81.1489% | 480 |
| Net loans and leases to deposits | 98.1758% | 579 |
| Net loans and leases to core deposits | 119.5617% | 340 |
| Total domestic deposits to total assets | 82.6567% | 4,660 |
| Equity capital to assets | 13.1700% | 1,202 |
| Core capital (leverage) ratio | 13.1813% | 1,063 |
| Tier 1 risk-based capital ratio | 16.2483% | 2,988 |
| Total risk-based capital ratio | 17.5108% | 2,933 |
| Memoranda: | ||
| Average total assets | $168,130,200 | 3,440 |
| Average earning assets | $153,981,200 | 3,436 |
| Average equity | $22,677,600 | 2,863 |
| Average total loans | $138,348,000 | 2,731 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8417% | 1,258 |
| Cost of funding earning assets | 0.4740% | 4,028 |
| Net interest margin | 4.3677% | 951 |
| Noninterest income to average assets | 0.5222% | 3,655 |
| Noninterest expense to average assets | 2.0790% | 5,874 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4925% | 914 |
| Return on assets (ROA) | 1.4925% | 959 |
| Pretax return on assets | 2.4252% | 263 |
| Return on Equity (ROE) | 10.9965% | 1,817 |
| Retained earnings to average equity (ytd only) | 5.9658% | 2,435 |
| Net charge-offs to loans | 0.5264% | 1,223 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 5.6115% | 3,148 |
| Efficiency ratio | 46.1566% | 6,579 |
| Assets per employee ($millions) | 6.4381% | 957 |
| Cash dividends to net income (ytd only)* | 45.7483% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2979% | 1,187 |
| Loan loss allowance to noncurrent loans | 254.5035% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 2.8051% | 1,330 |
| Noncurrent loans to loans | 0.9029% | 4,015 |
| Net loans and leases to total assets | 80.8645% | 465 |
| Net loans and leases to deposits | 97.7327% | 586 |
| Net loans and leases to core deposits | 114.2191% | 444 |
| Total domestic deposits to total assets | 82.7405% | 4,665 |
| Equity capital to assets | 13.0191% | 1,324 |
| Core capital (leverage) ratio | 13.4818% | 1,031 |
| Tier 1 risk-based capital ratio | 16.4041% | 2,985 |
| Total risk-based capital ratio | 17.6664% | 2,942 |
| Memoranda: | ||
| Average total assets | $165,977,000 | 3,506 |
| Average earning assets | $151,319,000 | 3,512 |
| Average equity | $22,527,750 | 2,902 |
| Average total loans | $136,261,500 | 2,767 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8740% | 1,163 |
| Cost of funding earning assets | 0.4827% | 4,062 |
| Net interest margin | 4.3913% | 862 |
| Noninterest income to average assets | 0.3526% | 4,864 |
| Noninterest expense to average assets | 2.1278% | 5,804 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3614% | 1,165 |
| Return on assets (ROA) | 1.4287% | 1,109 |
| Pretax return on assets | 2.2796% | 358 |
| Return on Equity (ROE) | 10.3764% | 2,051 |
| Retained earnings to average equity (ytd only) | 2.8186% | 4,522 |
| Net charge-offs to loans | 0.8121% | 775 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 3.3278% | 3,426 |
| Efficiency ratio | 49.0268% | 6,482 |
| Assets per employee ($millions) | 6.2842% | 1,023 |
| Cash dividends to net income (ytd only)* | 72.8363% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3901% | 1,104 |
| Loan loss allowance to noncurrent loans | 887.3656% | 519 |
| Noncurrent assets plus other real estate owned to assets | 2.9834% | 1,368 |
| Noncurrent loans to loans | 0.2694% | 5,634 |
| Net loans and leases to total assets | 79.4517% | 586 |
| Net loans and leases to deposits | 96.2962% | 648 |
| Net loans and leases to core deposits | 112.3971% | 474 |
| Total domestic deposits to total assets | 82.5075% | 4,883 |
| Equity capital to assets | 13.1671% | 1,273 |
| Core capital (leverage) ratio | 13.5226% | 967 |
| Tier 1 risk-based capital ratio | 16.5346% | 2,928 |
| Total risk-based capital ratio | 17.7957% | 2,874 |
| Memoranda: | ||
| Average total assets | $163,359,670 | 3,567 |
| Average earning assets | $148,337,670 | 3,592 |
| Average equity | $22,493,330 | 2,932 |
| Average total loans | $133,724,670 | 2,811 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8803% | 1,133 |
| Cost of funding earning assets | 0.4913% | 4,165 |
| Net interest margin | 4.3890% | 820 |
| Noninterest income to average assets | 0.7416% | 2,366 |
| Noninterest expense to average assets | 2.1473% | 5,814 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5830% | 729 |
| Return on assets (ROA) | 1.5830% | 788 |
| Pretax return on assets | 2.5642% | 245 |
| Return on Equity (ROE) | 11.2364% | 1,634 |
| Retained earnings to average equity (ytd only) | 11.2364% | 825 |
| Net charge-offs to loans | 1.5540% | 343 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.0098% | 3,159 |
| Efficiency ratio | 45.5750% | 6,707 |
| Assets per employee ($millions) | 6.0283% | 1,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5211% | 1,085 |
| Loan loss allowance to noncurrent loans | 267.4960% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 3.9149% | 1,038 |
| Noncurrent loans to loans | 0.9425% | 4,258 |
| Net loans and leases to total assets | 79.1766% | 505 |
| Net loans and leases to deposits | 97.1739% | 480 |
| Net loans and leases to core deposits | 111.3299% | 454 |
| Total domestic deposits to total assets | 81.4793% | 5,370 |
| Equity capital to assets | 14.0529% | 1,006 |
| Core capital (leverage) ratio | 14.2914% | 717 |
| Tier 1 risk-based capital ratio | 17.0532% | 2,721 |
| Total risk-based capital ratio | 18.3188% | 2,691 |
| Memoranda: | ||
| Average total assets | $160,203,000 | 3,642 |
| Average earning assets | $144,909,000 | 3,677 |
| Average equity | $22,569,500 | 2,975 |
| Average total loans | $131,532,500 | 2,874 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0199% | 1,505 |
| Cost of funding earning assets | 0.6836% | 3,627 |
| Net interest margin | 4.3363% | 1,312 |
| Noninterest income to average assets | 0.5434% | 3,624 |
| Noninterest expense to average assets | 2.4012% | 5,404 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.3524% | 1,190 |
| Return on assets (ROA) | 1.4412% | 1,147 |
| Pretax return on assets | 2.1205% | 478 |
| Return on Equity (ROE) | 11.3710% | 1,692 |
| Retained earnings to average equity (ytd only) | 11.3710% | 397 |
| Net charge-offs to loans | 1.2258% | 821 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 2.1012% | 4,362 |
| Efficiency ratio | 54.2382% | 6,242 |
| Assets per employee ($millions) | 5.6301% | 1,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9375% | 705 |
| Loan loss allowance to noncurrent loans | 218.5333% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 4.6986% | 862 |
| Noncurrent loans to loans | 1.3442% | 3,592 |
| Net loans and leases to total assets | 80.5731% | 414 |
| Net loans and leases to deposits | 99.2111% | 445 |
| Net loans and leases to core deposits | 100.6993% | 982 |
| Total domestic deposits to total assets | 81.2138% | 5,334 |
| Equity capital to assets | 14.1244% | 996 |
| Core capital (leverage) ratio | 13.5067% | 940 |
| Tier 1 risk-based capital ratio | 16.8165% | 2,740 |
| Total risk-based capital ratio | 18.0601% | 2,705 |
| Memoranda: | ||
| Average total assets | $167,083,600 | 3,501 |
| Average earning assets | $149,644,000 | 3,562 |
| Average equity | $21,176,600 | 3,075 |
| Average total loans | $131,426,000 | 2,856 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0480% | 1,564 |
| Cost of funding earning assets | 0.7347% | 3,481 |
| Net interest margin | 4.3133% | 1,434 |
| Noninterest income to average assets | 0.7507% | 2,480 |
| Noninterest expense to average assets | 2.3921% | 5,423 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.5055% | 1,009 |
| Return on assets (ROA) | 1.5611% | 1,031 |
| Pretax return on assets | 2.2835% | 412 |
| Return on Equity (ROE) | 12.6542% | 1,424 |
| Retained earnings to average equity (ytd only) | 12.6542% | 422 |
| Net charge-offs to loans | 1.2353% | 780 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 2.3150% | 4,119 |
| Efficiency ratio | 51.8594% | 6,459 |
| Assets per employee ($millions) | 5.7611% | 1,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2580% | 575 |
| Loan loss allowance to noncurrent loans | 145.1182% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 5.6494% | 741 |
| Noncurrent loans to loans | 2.2451% | 2,564 |
| Net loans and leases to total assets | 77.9759% | 734 |
| Net loans and leases to deposits | 95.2685% | 706 |
| Net loans and leases to core deposits | 99.9698% | 1,124 |
| Total domestic deposits to total assets | 81.8486% | 5,071 |
| Equity capital to assets | 13.5484% | 1,330 |
| Core capital (leverage) ratio | 13.0491% | 1,176 |
| Tier 1 risk-based capital ratio | 16.3988% | 3,062 |
| Total risk-based capital ratio | 17.6344% | 3,033 |
| Memoranda: | ||
| Average total assets | $169,444,000 | 3,498 |
| Average earning assets | $151,711,750 | 3,557 |
| Average equity | $20,904,250 | 3,125 |
| Average total loans | $131,567,250 | 2,886 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0504% | 1,663 |
| Cost of funding earning assets | 0.7818% | 3,345 |
| Net interest margin | 4.2686% | 1,554 |
| Noninterest income to average assets | 0.6041% | 3,231 |
| Noninterest expense to average assets | 2.4408% | 5,324 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4221% | 1,144 |
| Return on assets (ROA) | 1.4708% | 1,173 |
| Pretax return on assets | 2.0400% | 641 |
| Return on Equity (ROE) | 12.2988% | 1,578 |
| Retained earnings to average equity (ytd only) | 12.2988% | 537 |
| Net charge-offs to loans | 1.8791% | 467 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.3747% | 4,321 |
| Efficiency ratio | 55.1878% | 6,207 |
| Assets per employee ($millions) | 6.0908% | 1,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1797% | 658 |
| Loan loss allowance to noncurrent loans | 104.2038% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 6.0003% | 708 |
| Noncurrent loans to loans | 3.0515% | 1,927 |
| Net loans and leases to total assets | 75.2388% | 1,070 |
| Net loans and leases to deposits | 93.7056% | 799 |
| Net loans and leases to core deposits | 99.4505% | 1,136 |
| Total domestic deposits to total assets | 80.2927% | 5,666 |
| Equity capital to assets | 12.3941% | 1,883 |
| Core capital (leverage) ratio | 12.3561% | 1,415 |
| Tier 1 risk-based capital ratio | 15.1585% | 3,661 |
| Total risk-based capital ratio | 16.3841% | 3,645 |
| Memoranda: | ||
| Average total assets | $172,155,330 | 3,470 |
| Average earning assets | $154,008,670 | 3,534 |
| Average equity | $20,587,330 | 3,154 |
| Average total loans | $132,083,330 | 2,889 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8312% | 2,518 |
| Cost of funding earning assets | 0.8169% | 3,334 |
| Net interest margin | 4.0143% | 2,444 |
| Noninterest income to average assets | 0.7747% | 2,279 |
| Noninterest expense to average assets | 2.2525% | 5,892 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.6831% | 744 |
| Return on assets (ROA) | 1.7576% | 730 |
| Pretax return on assets | 2.1901% | 547 |
| Return on Equity (ROE) | 14.9662% | 977 |
| Retained earnings to average equity (ytd only) | 14.9662% | 450 |
| Net charge-offs to loans | 1.1194% | 922 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 2.4634% | 3,190 |
| Efficiency ratio | 51.7260% | 6,564 |
| Assets per employee ($millions) | 6.1423% | 1,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9325% | 390 |
| Loan loss allowance to noncurrent loans | 72.5431% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 8.5933% | 428 |
| Noncurrent loans to loans | 5.4210% | 989 |
| Net loans and leases to total assets | 72.2426% | 1,359 |
| Net loans and leases to deposits | 89.4267% | 1,017 |
| Net loans and leases to core deposits | 96.3184% | 1,272 |
| Total domestic deposits to total assets | 80.7841% | 5,657 |
| Equity capital to assets | 11.9983% | 2,043 |
| Core capital (leverage) ratio | 11.8633% | 1,668 |
| Tier 1 risk-based capital ratio | 14.3650% | 4,197 |
| Total risk-based capital ratio | 15.5974% | 4,182 |
| Memoranda: | ||
| Average total assets | $172,962,500 | 3,479 |
| Average earning assets | $154,248,000 | 3,546 |
| Average equity | $20,312,500 | 3,193 |
| Average total loans | $131,861,500 | 2,913 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8959% | 3,380 |
| Cost of funding earning assets | 0.9939% | 3,426 |
| Net interest margin | 3.9020% | 3,331 |
| Noninterest income to average assets | -0.1235% | 7,116 |
| Noninterest expense to average assets | 2.3785% | 5,829 |
| Loan and lease loss provision to assets | 2.5779% | 168 |
| Net operating income to assets | -1.5108% | 6,907 |
| Return on assets (ROA) | -1.4851% | 6,926 |
| Pretax return on assets | -1.5903% | 6,917 |
| Return on Equity (ROE) | -12.7696% | 6,823 |
| Retained earnings to average equity (ytd only) | -12.7696% | 6,796 |
| Net charge-offs to loans | 0.8592% | 2,015 |
| Credit loss provision to net charge-offs | 390.1090% | 600 |
| Earnings coverage of net charge-offs (x) | 1.4526% | 4,681 |
| Efficiency ratio | 71.2461% | 3,741 |
| Assets per employee ($millions) | 6.2122% | 1,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0590% | 369 |
| Loan loss allowance to noncurrent loans | 63.6300% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 8.8541% | 415 |
| Noncurrent loans to loans | 6.3791% | 750 |
| Net loans and leases to total assets | 74.1264% | 1,254 |
| Net loans and leases to deposits | 91.1454% | 1,035 |
| Net loans and leases to core deposits | 98.0129% | 1,329 |
| Total domestic deposits to total assets | 81.3277% | 5,354 |
| Equity capital to assets | 11.4923% | 2,514 |
| Core capital (leverage) ratio | 11.0113% | 2,262 |
| Tier 1 risk-based capital ratio | 13.6070% | 4,616 |
| Total risk-based capital ratio | 14.8362% | 4,604 |
| Memoranda: | ||
| Average total assets | $180,532,200 | 3,326 |
| Average earning assets | $160,176,200 | 3,402 |
| Average equity | $20,995,200 | 3,011 |
| Average total loans | $138,851,600 | 2,810 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8926% | 3,596 |
| Cost of funding earning assets | 1.0265% | 3,488 |
| Net interest margin | 3.8662% | 3,539 |
| Noninterest income to average assets | 0.0198% | 7,048 |
| Noninterest expense to average assets | 2.3602% | 5,879 |
| Loan and lease loss provision to assets | 3.2897% | 93 |
| Net operating income to assets | -2.0653% | 7,145 |
| Return on assets (ROA) | -2.0309% | 7,153 |
| Pretax return on assets | -2.1700% | 7,156 |
| Return on Equity (ROE) | -17.4142% | 7,057 |
| Retained earnings to average equity (ytd only) | -17.4142% | 7,039 |
| Net charge-offs to loans | 0.2429% | 3,904 |
| Credit loss provision to net charge-offs | 1,762.7451% | 155 |
| Earnings coverage of net charge-offs (x) | 5.8039% | 2,690 |
| Efficiency ratio | 68.5441% | 4,207 |
| Assets per employee ($millions) | 6.1744% | 1,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5651% | 249 |
| Loan loss allowance to noncurrent loans | 61.2618% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 9.6226% | 386 |
| Noncurrent loans to loans | 7.4517% | 636 |
| Net loans and leases to total assets | 72.7837% | 1,552 |
| Net loans and leases to deposits | 88.8142% | 1,342 |
| Net loans and leases to core deposits | 98.0750% | 1,421 |
| Total domestic deposits to total assets | 81.9505% | 5,109 |
| Equity capital to assets | 11.0724% | 3,075 |
| Core capital (leverage) ratio | 10.6089% | 2,748 |
| Tier 1 risk-based capital ratio | 13.2350% | 4,922 |
| Total risk-based capital ratio | 14.4621% | 4,916 |
| Memoranda: | ||
| Average total assets | $182,179,750 | 3,316 |
| Average earning assets | $161,326,500 | 3,399 |
| Average equity | $21,246,500 | 2,975 |
| Average total loans | $139,966,500 | 2,812 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9093% | 3,573 |
| Cost of funding earning assets | 1.0613% | 3,533 |
| Net interest margin | 3.8480% | 3,546 |
| Noninterest income to average assets | -0.2369% | 7,353 |
| Noninterest expense to average assets | 2.2410% | 6,272 |
| Loan and lease loss provision to assets | 3.8860% | 82 |
| Net operating income to assets | -2.7568% | 7,287 |
| Return on assets (ROA) | -2.7060% | 7,288 |
| Pretax return on assets | -2.9134% | 7,295 |
| Return on Equity (ROE) | -22.8269% | 7,178 |
| Retained earnings to average equity (ytd only) | -22.8269% | 7,166 |
| Net charge-offs to loans | 0.1219% | 4,499 |
| Credit loss provision to net charge-offs | 4,139.5349% | 76 |
| Earnings coverage of net charge-offs (x) | 9.7791% | 1,876 |
| Efficiency ratio | 70.9399% | 3,941 |
| Assets per employee ($millions) | 6.3841% | 975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8976% | 444 |
| Loan loss allowance to noncurrent loans | 51.4006% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 10.3773% | 362 |
| Noncurrent loans to loans | 7.5827% | 628 |
| Net loans and leases to total assets | 75.4245% | 1,167 |
| Net loans and leases to deposits | 92.1106% | 1,049 |
| Net loans and leases to core deposits | 104.7298% | 1,005 |
| Total domestic deposits to total assets | 81.8847% | 5,204 |
| Equity capital to assets | 11.1096% | 2,853 |
| Core capital (leverage) ratio | 10.2378% | 2,990 |
| Tier 1 risk-based capital ratio | 12.4476% | 5,397 |
| Total risk-based capital ratio | 13.6610% | 5,408 |
| Memoranda: | ||
| Average total assets | $183,220,330 | 3,324 |
| Average earning assets | $161,694,000 | 3,413 |
| Average equity | $21,720,000 | 2,907 |
| Average total loans | $141,102,330 | 2,824 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8388% | 3,876 |
| Cost of funding earning assets | 1.0851% | 3,621 |
| Net interest margin | 3.7537% | 3,824 |
| Noninterest income to average assets | 0.4594% | 4,191 |
| Noninterest expense to average assets | 2.9592% | 3,822 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8131% | 2,961 |
| Return on assets (ROA) | 0.9188% | 2,537 |
| Pretax return on assets | 0.9188% | 3,429 |
| Return on Equity (ROE) | 7.5230% | 3,139 |
| Retained earnings to average equity (ytd only) | 7.5230% | 1,928 |
| Net charge-offs to loans | 0.0057% | 5,048 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 188.5000% | 164 |
| Efficiency ratio | 78.4448% | 2,778 |
| Assets per employee ($millions) | 6.3486% | 1,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4228% | 4,553 |
| Loan loss allowance to noncurrent loans | 17.6003% | 6,851 |
| Noncurrent assets plus other real estate owned to assets | 11.0722% | 330 |
| Noncurrent loans to loans | 8.0842% | 610 |
| Net loans and leases to total assets | 74.9606% | 1,185 |
| Net loans and leases to deposits | 92.7194% | 954 |
| Net loans and leases to core deposits | 109.3296% | 766 |
| Total domestic deposits to total assets | 80.8468% | 5,705 |
| Equity capital to assets | 12.3730% | 1,698 |
| Core capital (leverage) ratio | 12.3059% | 1,409 |
| Tier 1 risk-based capital ratio | 15.3840% | 3,217 |
| Total risk-based capital ratio | 16.6350% | 3,177 |
| Memoranda: | ||
| Average total assets | $185,453,000 | 3,310 |
| Average earning assets | $163,678,500 | 3,393 |
| Average equity | $22,650,500 | 2,784 |
| Average total loans | $141,507,000 | 2,856 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2167% | 3,527 |
| Cost of funding earning assets | 1.2867% | 3,970 |
| Net interest margin | 3.9300% | 3,347 |
| Noninterest income to average assets | 0.5732% | 3,644 |
| Noninterest expense to average assets | 3.8205% | 1,450 |
| Loan and lease loss provision to assets | 0.9458% | 1,727 |
| Net operating income to assets | -0.4058% | 6,315 |
| Return on assets (ROA) | -0.4058% | 6,348 |
| Pretax return on assets | -0.7727% | 6,506 |
| Return on Equity (ROE) | -3.3034% | 6,301 |
| Retained earnings to average equity (ytd only) | -3.3034% | 6,130 |
| Net charge-offs to loans | 3.9784% | 322 |
| Credit loss provision to net charge-offs | 31.2232% | 6,483 |
| Earnings coverage of net charge-offs (x) | 0.0571% | 6,057 |
| Efficiency ratio | 95.6669% | 982 |
| Assets per employee ($millions) | 6.6713% | 878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3950% | 4,540 |
| Loan loss allowance to noncurrent loans | 18.2525% | 6,873 |
| Noncurrent assets plus other real estate owned to assets | 10.5902% | 368 |
| Noncurrent loans to loans | 7.6427% | 697 |
| Net loans and leases to total assets | 75.4925% | 1,378 |
| Net loans and leases to deposits | 94.1601% | 1,049 |
| Net loans and leases to core deposits | 111.4204% | 848 |
| Total domestic deposits to total assets | 80.1746% | 5,784 |
| Equity capital to assets | 12.0565% | 1,885 |
| Core capital (leverage) ratio | 12.2047% | 1,425 |
| Tier 1 risk-based capital ratio | 14.8959% | 3,308 |
| Total risk-based capital ratio | 16.1516% | 3,262 |
| Memoranda: | ||
| Average total assets | $192,437,800 | 3,195 |
| Average earning assets | $167,481,800 | 3,329 |
| Average equity | $23,642,600 | 2,689 |
| Average total loans | $146,517,800 | 2,830 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2730% | 3,479 |
| Cost of funding earning assets | 1.3129% | 4,138 |
| Net interest margin | 3.9601% | 3,290 |
| Noninterest income to average assets | 0.5227% | 4,005 |
| Noninterest expense to average assets | 3.2671% | 2,683 |
| Loan and lease loss provision to assets | 0.7270% | 2,099 |
| Net operating income to assets | 0.2524% | 5,342 |
| Return on assets (ROA) | 0.2524% | 5,500 |
| Pretax return on assets | -0.0378% | 6,149 |
| Return on Equity (ROE) | 2.0454% | 5,590 |
| Retained earnings to average equity (ytd only) | 2.0454% | 4,935 |
| Net charge-offs to loans | 4.4686% | 231 |
| Credit loss provision to net charge-offs | 21.3968% | 6,234 |
| Earnings coverage of net charge-offs (x) | 0.2028% | 5,810 |
| Efficiency ratio | 82.5800% | 1,999 |
| Assets per employee ($millions) | 6.6403% | 907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5184% | 3,879 |
| Loan loss allowance to noncurrent loans | 141.0512% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 6.6838% | 840 |
| Noncurrent loans to loans | 1.0765% | 5,081 |
| Net loans and leases to total assets | 73.9527% | 1,817 |
| Net loans and leases to deposits | 93.1520% | 1,312 |
| Net loans and leases to core deposits | 112.8717% | 889 |
| Total domestic deposits to total assets | 79.3892% | 5,901 |
| Equity capital to assets | 12.7840% | 1,692 |
| Core capital (leverage) ratio | 12.4740% | 1,420 |
| Tier 1 risk-based capital ratio | 16.0845% | 2,722 |
| Total risk-based capital ratio | 17.3383% | 2,671 |
| Memoranda: | ||
| Average total assets | $193,848,250 | 3,223 |
| Average earning assets | $168,070,750 | 3,359 |
| Average equity | $23,923,000 | 2,704 |
| Average total loans | $147,394,250 | 2,853 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2384% | 3,770 |
| Cost of funding earning assets | 1.3305% | 4,331 |
| Net interest margin | 3.9079% | 3,409 |
| Noninterest income to average assets | 0.4387% | 4,622 |
| Noninterest expense to average assets | 2.4724% | 5,822 |
| Loan and lease loss provision to assets | 0.4183% | 3,228 |
| Net operating income to assets | 1.0993% | 1,858 |
| Return on assets (ROA) | 1.0993% | 1,930 |
| Pretax return on assets | 0.9324% | 3,381 |
| Return on Equity (ROE) | 9.0096% | 2,462 |
| Retained earnings to average equity (ytd only) | 9.0096% | 1,106 |
| Net charge-offs to loans | 2.7643% | 593 |
| Credit loss provision to net charge-offs | 19.8263% | 5,855 |
| Earnings coverage of net charge-offs (x) | 0.6401% | 5,099 |
| Efficiency ratio | 64.6699% | 5,213 |
| Assets per employee ($millions) | 6.7190% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0074% | 815 |
| Loan loss allowance to noncurrent loans | 105.9039% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 8.5307% | 541 |
| Noncurrent loans to loans | 2.8397% | 2,817 |
| Net loans and leases to total assets | 71.8527% | 2,442 |
| Net loans and leases to deposits | 89.8216% | 1,889 |
| Net loans and leases to core deposits | 110.3201% | 1,146 |
| Total domestic deposits to total assets | 79.9949% | 5,727 |
| Equity capital to assets | 12.5260% | 1,782 |
| Core capital (leverage) ratio | 12.5070% | 1,407 |
| Tier 1 risk-based capital ratio | 15.9234% | 2,708 |
| Total risk-based capital ratio | 17.1931% | 2,663 |
| Memoranda: | ||
| Average total assets | $196,488,670 | 3,208 |
| Average earning assets | $170,166,670 | 3,338 |
| Average equity | $23,974,330 | 2,697 |
| Average total loans | $149,986,330 | 2,839 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2710% | 3,684 |
| Cost of funding earning assets | 1.3697% | 4,359 |
| Net interest margin | 3.9014% | 3,319 |
| Noninterest income to average assets | 0.4055% | 4,875 |
| Noninterest expense to average assets | 1.9665% | 7,221 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.8286% | 466 |
| Return on assets (ROA) | 1.8286% | 514 |
| Pretax return on assets | 1.8286% | 840 |
| Return on Equity (ROE) | 15.1865% | 841 |
| Retained earnings to average equity (ytd only) | 15.1865% | 395 |
| Net charge-offs to loans | 5.1307% | 233 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.4602% | 4,612 |
| Efficiency ratio | 51.8162% | 7,174 |
| Assets per employee ($millions) | 6.7379% | 894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7493% | 1,038 |
| Loan loss allowance to noncurrent loans | 77.4521% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 9.8143% | 413 |
| Noncurrent loans to loans | 3.5497% | 2,248 |
| Net loans and leases to total assets | 73.1891% | 2,154 |
| Net loans and leases to deposits | 91.2822% | 1,715 |
| Net loans and leases to core deposits | 114.1377% | 1,036 |
| Total domestic deposits to total assets | 80.1789% | 5,726 |
| Equity capital to assets | 12.3850% | 1,818 |
| Core capital (leverage) ratio | 12.3146% | 1,483 |
| Tier 1 risk-based capital ratio | 15.1875% | 3,016 |
| Total risk-based capital ratio | 16.4420% | 2,977 |
| Memoranda: | ||
| Average total assets | $197,308,000 | 3,253 |
| Average earning assets | $171,427,000 | 3,379 |
| Average equity | $23,758,000 | 2,743 |
| Average total loans | $152,806,500 | 2,846 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2495% | 5,416 |
| Cost of funding earning assets | 1.8647% | 3,650 |
| Net interest margin | 3.3848% | 5,431 |
| Noninterest income to average assets | 0.5670% | 3,893 |
| Noninterest expense to average assets | 1.9253% | 7,463 |
| Loan and lease loss provision to assets | 4.9884% | 196 |
| Net operating income to assets | -1.6231% | 6,919 |
| Return on assets (ROA) | -1.6003% | 6,907 |
| Pretax return on assets | -3.2073% | 7,347 |
| Return on Equity (ROE) | -13.8238% | 6,869 |
| Retained earnings to average equity (ytd only) | -13.8238% | 6,804 |
| Net charge-offs to loans | 3.6905% | 505 |
| Credit loss provision to net charge-offs | 163.8205% | 2,671 |
| Earnings coverage of net charge-offs (x) | 0.5732% | 5,535 |
| Efficiency ratio | 52.4105% | 7,357 |
| Assets per employee ($millions) | 6.8696% | 841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7859% | 413 |
| Loan loss allowance to noncurrent loans | 51.3252% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 10.0694% | 366 |
| Noncurrent loans to loans | 7.3764% | 724 |
| Net loans and leases to total assets | 76.5779% | 1,682 |
| Net loans and leases to deposits | 94.4637% | 1,537 |
| Net loans and leases to core deposits | 142.8918% | 714 |
| Total domestic deposits to total assets | 81.0660% | 5,323 |
| Equity capital to assets | 11.7038% | 2,185 |
| Core capital (leverage) ratio | 11.6053% | 1,864 |
| Tier 1 risk-based capital ratio | 14.2820% | 3,332 |
| Total risk-based capital ratio | 15.5678% | 3,261 |
| Memoranda: | ||
| Average total assets | $210,768,000 | 3,058 |
| Average earning assets | $193,276,400 | 3,059 |
| Average equity | $24,400,000 | 2,671 |
| Average total loans | $173,904,000 | 2,585 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2229% | 5,788 |
| Cost of funding earning assets | 1.9560% | 3,587 |
| Net interest margin | 3.2670% | 5,765 |
| Noninterest income to average assets | 0.6128% | 3,597 |
| Noninterest expense to average assets | 1.8628% | 7,591 |
| Loan and lease loss provision to assets | 5.2307% | 156 |
| Net operating income to assets | -2.0207% | 7,328 |
| Return on assets (ROA) | -1.9907% | 7,316 |
| Pretax return on assets | -3.4123% | 7,598 |
| Return on Equity (ROE) | -17.2398% | 7,282 |
| Retained earnings to average equity (ytd only) | -17.2398% | 7,243 |
| Net charge-offs to loans | 1.3150% | 1,559 |
| Credit loss provision to net charge-offs | 478.1517% | 824 |
| Earnings coverage of net charge-offs (x) | 1.6195% | 4,582 |
| Efficiency ratio | 51.2534% | 7,468 |
| Assets per employee ($millions) | 6.7290% | 884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9867% | 142 |
| Loan loss allowance to noncurrent loans | 42.9398% | 5,447 |
| Noncurrent assets plus other real estate owned to assets | 12.6433% | 199 |
| Noncurrent loans to loans | 11.6133% | 296 |
| Net loans and leases to total assets | 80.5662% | 1,074 |
| Net loans and leases to deposits | 101.0990% | 1,004 |
| Net loans and leases to core deposits | 164.0085% | 333 |
| Total domestic deposits to total assets | 79.6904% | 5,562 |
| Equity capital to assets | 11.0863% | 2,936 |
| Core capital (leverage) ratio | 10.5454% | 2,756 |
| Tier 1 risk-based capital ratio | 13.2858% | 3,993 |
| Total risk-based capital ratio | 14.5887% | 3,910 |
| Memoranda: | ||
| Average total assets | $213,655,500 | 3,042 |
| Average earning assets | $197,610,250 | 3,017 |
| Average equity | $24,671,000 | 2,662 |
| Average total loans | $177,740,000 | 2,572 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2217% | 5,998 |
| Cost of funding earning assets | 2.0490% | 3,526 |
| Net interest margin | 3.1727% | 6,008 |
| Noninterest income to average assets | 0.6738% | 3,171 |
| Noninterest expense to average assets | 1.8126% | 7,730 |
| Loan and lease loss provision to assets | 3.1087% | 485 |
| Net operating income to assets | -0.7344% | 6,779 |
| Return on assets (ROA) | -0.6903% | 6,746 |
| Pretax return on assets | -1.2381% | 6,963 |
| Return on Equity (ROE) | -5.9053% | 6,702 |
| Retained earnings to average equity (ytd only) | -5.9053% | 6,435 |
| Net charge-offs to loans | 0.8592% | 1,971 |
| Credit loss provision to net charge-offs | 437.5162% | 1,060 |
| Earnings coverage of net charge-offs (x) | 2.5356% | 3,801 |
| Efficiency ratio | 50.1526% | 7,657 |
| Assets per employee ($millions) | 6.7723% | 854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5302% | 872 |
| Loan loss allowance to noncurrent loans | 24.8884% | 6,853 |
| Noncurrent assets plus other real estate owned to assets | 10.4040% | 260 |
| Noncurrent loans to loans | 10.1660% | 342 |
| Net loans and leases to total assets | 80.2588% | 1,267 |
| Net loans and leases to deposits | 99.9695% | 1,290 |
| Net loans and leases to core deposits | 172.9256% | 287 |
| Total domestic deposits to total assets | 80.2832% | 5,358 |
| Equity capital to assets | 11.4270% | 2,586 |
| Core capital (leverage) ratio | 11.4872% | 2,093 |
| Tier 1 risk-based capital ratio | 14.0393% | 3,497 |
| Total risk-based capital ratio | 15.3109% | 3,423 |
| Memoranda: | ||
| Average total assets | $217,584,000 | 3,010 |
| Average earning assets | $201,656,670 | 2,979 |
| Average equity | $25,434,670 | 2,605 |
| Average total loans | $179,928,330 | 2,574 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3337% | 5,733 |
| Cost of funding earning assets | 2.1957% | 3,187 |
| Net interest margin | 3.1381% | 6,071 |
| Noninterest income to average assets | 0.6440% | 3,236 |
| Noninterest expense to average assets | 1.6311% | 7,886 |
| Loan and lease loss provision to assets | 0.6183% | 2,040 |
| Net operating income to assets | 0.8476% | 2,918 |
| Return on assets (ROA) | 0.9357% | 2,691 |
| Pretax return on assets | 1.4586% | 1,788 |
| Return on Equity (ROE) | 7.9162% | 3,181 |
| Retained earnings to average equity (ytd only) | 7.9162% | 1,845 |
| Net charge-offs to loans | 1.6937% | 850 |
| Credit loss provision to net charge-offs | 44.0523% | 4,763 |
| Earnings coverage of net charge-offs (x) | 1.3817% | 4,044 |
| Efficiency ratio | 45.6835% | 7,858 |
| Assets per employee ($millions) | 6.7259% | 868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8272% | 7,054 |
| Loan loss allowance to noncurrent loans | 10.3731% | 7,507 |
| Noncurrent assets plus other real estate owned to assets | 8.7576% | 300 |
| Noncurrent loans to loans | 7.9748% | 453 |
| Net loans and leases to total assets | 82.3812% | 951 |
| Net loans and leases to deposits | 102.1730% | 1,159 |
| Net loans and leases to core deposits | 177.6608% | 258 |
| Total domestic deposits to total assets | 80.6291% | 5,121 |
| Equity capital to assets | 12.0899% | 2,209 |
| Core capital (leverage) ratio | 11.8705% | 1,961 |
| Tier 1 risk-based capital ratio | 14.7380% | 3,188 |
| Total risk-based capital ratio | 15.5780% | 3,336 |
| Memoranda: | ||
| Average total assets | $218,019,000 | 3,011 |
| Average earning assets | $203,310,500 | 2,976 |
| Average equity | $25,770,000 | 2,586 |
| Average total loans | $180,669,000 | 2,589 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0540% | 5,277 |
| Cost of funding earning assets | 2.8163% | 2,640 |
| Net interest margin | 3.2377% | 6,252 |
| Noninterest income to average assets | 0.3960% | 5,501 |
| Noninterest expense to average assets | 1.7136% | 7,852 |
| Loan and lease loss provision to assets | 0.6848% | 2,130 |
| Net operating income to assets | 0.7217% | 3,792 |
| Return on assets (ROA) | 0.7194% | 3,640 |
| Pretax return on assets | 1.0400% | 3,238 |
| Return on Equity (ROE) | 6.2212% | 3,852 |
| Retained earnings to average equity (ytd only) | 6.2212% | 1,420 |
| Net charge-offs to loans | 0.4882% | 2,406 |
| Credit loss provision to net charge-offs | 170.1163% | 3,010 |
| Earnings coverage of net charge-offs (x) | 4.2930% | 4,041 |
| Efficiency ratio | 49.7892% | 7,678 |
| Assets per employee ($millions) | 6.9003% | 740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0446% | 5,672 |
| Loan loss allowance to noncurrent loans | 14.0894% | 7,421 |
| Noncurrent assets plus other real estate owned to assets | 8.2234% | 272 |
| Noncurrent loans to loans | 7.4144% | 388 |
| Net loans and leases to total assets | 81.8100% | 1,264 |
| Net loans and leases to deposits | 103.3362% | 1,423 |
| Net loans and leases to core deposits | 176.6041% | 321 |
| Total domestic deposits to total assets | 79.1688% | 5,311 |
| Equity capital to assets | 11.5571% | 2,597 |
| Core capital (leverage) ratio | 11.8468% | 2,059 |
| Tier 1 risk-based capital ratio | 14.3011% | 3,395 |
| Total risk-based capital ratio | 15.3732% | 3,405 |
| Memoranda: | ||
| Average total assets | $213,647,400 | 2,955 |
| Average earning assets | $200,973,600 | 2,883 |
| Average equity | $24,706,000 | 2,669 |
| Average total loans | $176,151,800 | 2,545 |