Home > Portage Community Bank > Performance and Condition Ratios
Portage 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 | 4.4577% | 3,174 |
| Cost of funding earning assets | 1.3303% | 2,428 |
| Net interest margin | 3.1274% | 3,032 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 2.4271% | 2,507 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.7184% | 3,137 |
| Return on assets (ROA) | 0.7184% | 3,116 |
| Pretax return on assets | 0.8695% | 3,043 |
| Return on Equity (ROE) | 8.5200% | 2,887 |
| Retained earnings to average equity (ytd only) | 6.9468% | 1,906 |
| Net charge-offs to loans | -0.0073% | 3,933 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 72.5470% | 1,608 |
| Assets per employee ($millions) | 6.2575% | 2,582 |
| Cash dividends to net income (ytd only)* | 18.4721% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8956% | 3,725 |
| Loan loss allowance to noncurrent loans | 197.2527% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.3272% | 1,637 |
| Noncurrent loans to loans | 0.4540% | 1,645 |
| Net loans and leases to total assets | 71.4200% | 1,646 |
| Net loans and leases to deposits | 82.2297% | 1,927 |
| Net loans and leases to core deposits | 84.9722% | 2,380 |
| Total domestic deposits to total assets | 86.8600% | 1,731 |
| Equity capital to assets | 8.7203% | 2,891 |
| Core capital (leverage) ratio | 10.4962% | 2,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6236% | 1,365 |
| Memoranda: | ||
| Average total assets | $488,323,800 | 1,751 |
| Average earning assets | $455,390,600 | 1,745 |
| Average equity | $41,169,800 | 1,842 |
| Average total loans | $340,800,600 | 1,643 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3851% | 3,128 |
| Cost of funding earning assets | 1.2094% | 2,402 |
| Net interest margin | 3.1757% | 2,971 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.4421% | 2,399 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.7509% | 3,172 |
| Return on assets (ROA) | 0.7509% | 3,161 |
| Pretax return on assets | 0.9053% | 3,090 |
| Return on Equity (ROE) | 8.9900% | 2,932 |
| Retained earnings to average equity (ytd only) | 6.8558% | 2,342 |
| Net charge-offs to loans | -0.0056% | 3,770 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.1311% | 1,549 |
| Assets per employee ($millions) | 6.5705% | 2,274 |
| Cash dividends to net income (ytd only)* | 23.7102% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8976% | 3,740 |
| Loan loss allowance to noncurrent loans | 199.8719% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.3168% | 1,752 |
| Noncurrent loans to loans | 0.4491% | 1,696 |
| Net loans and leases to total assets | 69.9000% | 1,838 |
| Net loans and leases to deposits | 78.5664% | 2,193 |
| Net loans and leases to core deposits | 81.2806% | 2,513 |
| Total domestic deposits to total assets | 88.9700% | 1,264 |
| Equity capital to assets | 8.2099% | 2,914 |
| Core capital (leverage) ratio | 10.4361% | 2,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8715% | 1,355 |
| Memoranda: | ||
| Average total assets | $485,254,250 | 1,762 |
| Average earning assets | $452,678,250 | 1,750 |
| Average equity | $40,548,750 | 1,850 |
| Average total loans | $335,806,250 | 1,657 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2304% | 3,230 |
| Cost of funding earning assets | 1.0612% | 2,413 |
| Net interest margin | 3.1693% | 3,062 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 2.4336% | 2,393 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.7507% | 3,214 |
| Return on assets (ROA) | 0.7507% | 3,232 |
| Pretax return on assets | 0.9040% | 3,155 |
| Return on Equity (ROE) | 8.9300% | 3,002 |
| Retained earnings to average equity (ytd only) | 5.7369% | 2,719 |
| Net charge-offs to loans | -0.0054% | 3,736 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.4559% | 1,510 |
| Assets per employee ($millions) | 6.4849% | 2,304 |
| Cash dividends to net income (ytd only)* | 35.7616% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8871% | 3,823 |
| Loan loss allowance to noncurrent loans | 122.5010% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.5081% | 1,069 |
| Noncurrent loans to loans | 0.7242% | 1,033 |
| Net loans and leases to total assets | 69.5300% | 1,794 |
| Net loans and leases to deposits | 79.0216% | 2,045 |
| Net loans and leases to core deposits | 81.2423% | 2,393 |
| Total domestic deposits to total assets | 87.9900% | 1,605 |
| Equity capital to assets | 8.4130% | 2,935 |
| Core capital (leverage) ratio | 10.4169% | 2,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7908% | 1,365 |
| Memoranda: | ||
| Average total assets | $482,744,000 | 1,766 |
| Average earning assets | $450,450,667 | 1,754 |
| Average equity | $40,579,333 | 1,856 |
| Average total loans | $331,876,333 | 1,663 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1342% | 3,174 |
| Cost of funding earning assets | 0.9523% | 2,211 |
| Net interest margin | 3.1818% | 3,154 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.3978% | 2,540 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7793% | 3,260 |
| Return on assets (ROA) | 0.7793% | 3,217 |
| Pretax return on assets | 0.9415% | 3,148 |
| Return on Equity (ROE) | 9.2700% | 2,977 |
| Retained earnings to average equity (ytd only) | 9.2749% | 1,868 |
| Net charge-offs to loans | -0.0049% | 3,627 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.8057% | 1,549 |
| Assets per employee ($millions) | 6.2259% | 2,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8973% | 3,863 |
| Loan loss allowance to noncurrent loans | 116.3729% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 0.5257% | 986 |
| Noncurrent loans to loans | 0.7711% | 1,001 |
| Net loans and leases to total assets | 67.5700% | 1,890 |
| Net loans and leases to deposits | 76.8013% | 2,056 |
| Net loans and leases to core deposits | 78.5197% | 2,353 |
| Total domestic deposits to total assets | 87.9800% | 1,932 |
| Equity capital to assets | 8.4909% | 2,903 |
| Core capital (leverage) ratio | 10.4608% | 2,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9135% | 1,392 |
| Memoranda: | ||
| Average total assets | $480,932,500 | 1,791 |
| Average earning assets | $449,424,500 | 1,775 |
| Average equity | $40,410,000 | 1,882 |
| Average total loans | $327,205,000 | 1,694 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5211% | 3,024 |
| Cost of funding earning assets | 0.4067% | 2,040 |
| Net interest margin | 3.1144% | 3,135 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.4803% | 2,184 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.7117% | 3,583 |
| Return on assets (ROA) | 0.7117% | 3,528 |
| Pretax return on assets | 0.8553% | 3,471 |
| Return on Equity (ROE) | 8.1000% | 3,362 |
| Retained earnings to average equity (ytd only) | 6.6186% | 2,403 |
| Net charge-offs to loans | -0.0063% | 3,678 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.6364% | 1,252 |
| Assets per employee ($millions) | 6.4357% | 2,392 |
| Cash dividends to net income (ytd only)* | 18.2573% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9467% | 3,610 |
| Loan loss allowance to noncurrent loans | 119.2907% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 0.5388% | 930 |
| Noncurrent loans to loans | 0.7936% | 939 |
| Net loans and leases to total assets | 67.2500% | 1,906 |
| Net loans and leases to deposits | 76.2570% | 2,079 |
| Net loans and leases to core deposits | 77.6393% | 2,305 |
| Total domestic deposits to total assets | 88.1800% | 2,017 |
| Equity capital to assets | 8.3122% | 2,844 |
| Core capital (leverage) ratio | 10.2817% | 2,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9265% | 1,381 |
| Memoranda: | ||
| Average total assets | $474,090,800 | 1,787 |
| Average earning assets | $442,593,600 | 1,780 |
| Average equity | $41,670,200 | 1,869 |
| Average total loans | $300,569,200 | 1,716 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3442% | 3,066 |
| Cost of funding earning assets | 0.3268% | 1,893 |
| Net interest margin | 3.0174% | 3,173 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.4782% | 2,073 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.6515% | 3,691 |
| Return on assets (ROA) | 0.6515% | 3,649 |
| Pretax return on assets | 0.7824% | 3,626 |
| Return on Equity (ROE) | 7.3100% | 3,520 |
| Retained earnings to average equity (ytd only) | 5.3659% | 2,967 |
| Net charge-offs to loans | -0.0063% | 3,552 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.3209% | 1,136 |
| Assets per employee ($millions) | 6.3232% | 2,467 |
| Cash dividends to net income (ytd only)* | 26.6206% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9504% | 3,687 |
| Loan loss allowance to noncurrent loans | 115.2166% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 0.5429% | 992 |
| Noncurrent loans to loans | 0.8249% | 962 |
| Net loans and leases to total assets | 65.1900% | 1,965 |
| Net loans and leases to deposits | 73.2080% | 2,110 |
| Net loans and leases to core deposits | 74.1161% | 2,337 |
| Total domestic deposits to total assets | 89.0400% | 2,075 |
| Equity capital to assets | 8.0143% | 2,880 |
| Core capital (leverage) ratio | 10.2363% | 2,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0101% | 1,425 |
| Memoranda: | ||
| Average total assets | $473,553,000 | 1,802 |
| Average earning assets | $442,265,750 | 1,792 |
| Average equity | $42,191,250 | 1,876 |
| Average total loans | $294,881,500 | 1,737 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1767% | 3,121 |
| Cost of funding earning assets | 0.2674% | 2,058 |
| Net interest margin | 2.9093% | 3,141 |
| Noninterest income to average assets | 0.4817% | 2,301 |
| Noninterest expense to average assets | 2.4868% | 1,971 |
| Loan and lease loss provision to assets | 0.0340% | 1,970 |
| Net operating income to assets | 0.5781% | 3,685 |
| Return on assets (ROA) | 0.5781% | 3,633 |
| Pretax return on assets | 0.6859% | 3,610 |
| Return on Equity (ROE) | 6.2740% | 3,512 |
| Retained earnings to average equity (ytd only) | 3.4364% | 3,297 |
| Net charge-offs to loans | -0.0049% | 3,331 |
| Credit loss provision to net charge-offs | -1,142.8571% | 3,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5513% | 1,122 |
| Assets per employee ($millions) | 5.4257% | 3,296 |
| Cash dividends to net income (ytd only)* | 45.2276% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9777% | 3,694 |
| Loan loss allowance to noncurrent loans | 116.6732% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 0.5629% | 1,002 |
| Noncurrent loans to loans | 0.8379% | 1,017 |
| Net loans and leases to total assets | 65.3155% | 1,778 |
| Net loans and leases to deposits | 73.7809% | 1,891 |
| Net loans and leases to core deposits | 74.5628% | 2,123 |
| Total domestic deposits to total assets | 88.5262% | 2,374 |
| Equity capital to assets | 8.4229% | 2,818 |
| Core capital (leverage) ratio | 10.1117% | 2,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2005% | 1,389 |
| Memoranda: | ||
| Average total assets | $471,215,333 | 1,815 |
| Average earning assets | $441,340,667 | 1,810 |
| Average equity | $43,417,000 | 1,877 |
| Average total loans | $287,749,667 | 1,765 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0312% | 3,164 |
| Cost of funding earning assets | 0.2643% | 1,985 |
| Net interest margin | 2.7670% | 3,232 |
| Noninterest income to average assets | 0.5107% | 2,094 |
| Noninterest expense to average assets | 2.4408% | 2,043 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5703% | 3,496 |
| Return on assets (ROA) | 0.5703% | 3,471 |
| Pretax return on assets | 0.6728% | 3,471 |
| Return on Equity (ROE) | 5.9427% | 3,360 |
| Retained earnings to average equity (ytd only) | 5.9427% | 2,271 |
| Net charge-offs to loans | 0.0029% | 1,683 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 400.5000% | 254 |
| Efficiency ratio | 78.3922% | 1,280 |
| Assets per employee ($millions) | 5.9018% | 2,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0187% | 3,638 |
| Loan loss allowance to noncurrent loans | 114.5296% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 0.5368% | 1,115 |
| Noncurrent loans to loans | 0.8895% | 1,042 |
| Net loans and leases to total assets | 58.6369% | 2,225 |
| Net loans and leases to deposits | 67.0854% | 2,234 |
| Net loans and leases to core deposits | 68.1557% | 2,441 |
| Total domestic deposits to total assets | 87.4063% | 2,781 |
| Equity capital to assets | 9.1277% | 2,604 |
| Core capital (leverage) ratio | 10.1035% | 2,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2481% | 1,201 |
| Memoranda: | ||
| Average total assets | $476,231,500 | 1,807 |
| Average earning assets | $448,002,000 | 1,798 |
| Average equity | $45,703,000 | 1,862 |
| Average total loans | $279,525,500 | 1,796 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0338% | 3,811 |
| Cost of funding earning assets | 0.3771% | 1,702 |
| Net interest margin | 2.6567% | 3,949 |
| Noninterest income to average assets | 0.5464% | 2,375 |
| Noninterest expense to average assets | 2.5136% | 2,142 |
| Loan and lease loss provision to assets | -0.0213% | 4,232 |
| Net operating income to assets | 0.4731% | 4,137 |
| Return on assets (ROA) | 0.4879% | 4,162 |
| Pretax return on assets | 0.5748% | 4,145 |
| Return on Equity (ROE) | 4.8065% | 4,037 |
| Retained earnings to average equity (ytd only) | 3.5713% | 3,398 |
| Net charge-offs to loans | 0.0132% | 2,065 |
| Credit loss provision to net charge-offs | -277.7778% | 3,594 |
| Earnings coverage of net charge-offs (x) | 69.9444% | 1,076 |
| Efficiency ratio | 82.4236% | 649 |
| Assets per employee ($millions) | 5.4530% | 3,305 |
| Cash dividends to net income (ytd only)* | 25.6981% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0466% | 3,585 |
| Loan loss allowance to noncurrent loans | 105.4805% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 0.5868% | 1,125 |
| Noncurrent loans to loans | 0.9922% | 1,002 |
| Net loans and leases to total assets | 57.5375% | 2,422 |
| Net loans and leases to deposits | 66.6619% | 2,445 |
| Net loans and leases to core deposits | 67.8731% | 2,659 |
| Total domestic deposits to total assets | 86.3124% | 2,795 |
| Equity capital to assets | 10.0695% | 2,591 |
| Core capital (leverage) ratio | 9.9445% | 2,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6613% | 1,127 |
| Memoranda: | ||
| Average total assets | $469,760,200 | 1,775 |
| Average earning assets | $442,619,200 | 1,755 |
| Average equity | $47,685,800 | 1,833 |
| Average total loans | $272,802,600 | 1,823 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0587% | 3,890 |
| Cost of funding earning assets | 0.4026% | 1,676 |
| Net interest margin | 2.6560% | 4,045 |
| Noninterest income to average assets | 0.5386% | 2,461 |
| Noninterest expense to average assets | 2.4820% | 2,175 |
| Loan and lease loss provision to assets | -0.0284% | 4,387 |
| Net operating income to assets | 0.5017% | 4,202 |
| Return on assets (ROA) | 0.5050% | 4,235 |
| Pretax return on assets | 0.5910% | 4,245 |
| Return on Equity (ROE) | 4.9651% | 4,126 |
| Retained earnings to average equity (ytd only) | 3.3176% | 3,797 |
| Net charge-offs to loans | 0.0147% | 1,795 |
| Credit loss provision to net charge-offs | -333.3333% | 3,520 |
| Earnings coverage of net charge-offs (x) | 65.4333% | 1,095 |
| Efficiency ratio | 81.6302% | 656 |
| Assets per employee ($millions) | 5.5347% | 3,159 |
| Cash dividends to net income (ytd only)* | 33.1831% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0708% | 3,573 |
| Loan loss allowance to noncurrent loans | 90.3186% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 0.6727% | 1,115 |
| Noncurrent loans to loans | 1.1856% | 941 |
| Net loans and leases to total assets | 56.1343% | 2,716 |
| Net loans and leases to deposits | 65.1263% | 2,720 |
| Net loans and leases to core deposits | 66.4045% | 2,917 |
| Total domestic deposits to total assets | 86.1931% | 2,673 |
| Equity capital to assets | 10.1587% | 2,751 |
| Core capital (leverage) ratio | 9.9093% | 2,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0869% | 1,113 |
| Memoranda: | ||
| Average total assets | $468,596,750 | 1,800 |
| Average earning assets | $441,398,000 | 1,784 |
| Average equity | $47,664,500 | 1,856 |
| Average total loans | $272,040,000 | 1,860 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0260% | 3,995 |
| Cost of funding earning assets | 0.4346% | 1,619 |
| Net interest margin | 2.5914% | 4,181 |
| Noninterest income to average assets | 0.5363% | 2,462 |
| Noninterest expense to average assets | 2.4229% | 2,386 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4788% | 4,260 |
| Return on assets (ROA) | 0.4788% | 4,302 |
| Pretax return on assets | 0.5543% | 4,304 |
| Return on Equity (ROE) | 4.7054% | 4,188 |
| Retained earnings to average equity (ytd only) | 2.2220% | 4,063 |
| Net charge-offs to loans | 0.0183% | 1,577 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 51.6800% | 1,049 |
| Efficiency ratio | 81.3806% | 706 |
| Assets per employee ($millions) | 5.4649% | 3,171 |
| Cash dividends to net income (ytd only)* | 52.7778% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1167% | 3,339 |
| Loan loss allowance to noncurrent loans | 90.9036% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 0.6993% | 1,175 |
| Noncurrent loans to loans | 1.2285% | 980 |
| Net loans and leases to total assets | 55.8336% | 2,921 |
| Net loans and leases to deposits | 64.7826% | 2,920 |
| Net loans and leases to core deposits | 66.0551% | 3,106 |
| Total domestic deposits to total assets | 86.1861% | 2,672 |
| Equity capital to assets | 9.9922% | 2,856 |
| Core capital (leverage) ratio | 9.8121% | 2,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5509% | 1,024 |
| Memoranda: | ||
| Average total assets | $466,134,000 | 1,796 |
| Average earning assets | $439,061,333 | 1,790 |
| Average equity | $47,434,667 | 1,854 |
| Average total loans | $272,692,333 | 1,870 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0375% | 4,007 |
| Cost of funding earning assets | 0.4737% | 1,568 |
| Net interest margin | 2.5638% | 4,215 |
| Noninterest income to average assets | 0.5929% | 2,242 |
| Noninterest expense to average assets | 2.3681% | 2,599 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5478% | 4,081 |
| Return on assets (ROA) | 0.5478% | 4,124 |
| Pretax return on assets | 0.6406% | 4,126 |
| Return on Equity (ROE) | 5.3336% | 4,019 |
| Retained earnings to average equity (ytd only) | 5.3336% | 3,115 |
| Net charge-offs to loans | 0.0466% | 1,020 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 23.0938% | 1,198 |
| Efficiency ratio | 78.7093% | 915 |
| Assets per employee ($millions) | 5.8559% | 2,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1098% | 3,383 |
| Loan loss allowance to noncurrent loans | 80.9472% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 0.7945% | 1,135 |
| Noncurrent loans to loans | 1.3710% | 926 |
| Net loans and leases to total assets | 56.8895% | 2,929 |
| Net loans and leases to deposits | 66.4601% | 2,870 |
| Net loans and leases to core deposits | 69.0389% | 2,964 |
| Total domestic deposits to total assets | 85.5995% | 2,893 |
| Equity capital to assets | 10.0747% | 2,640 |
| Core capital (leverage) ratio | 10.0544% | 2,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2565% | 883 |
| Memoranda: | ||
| Average total assets | $461,476,000 | 1,803 |
| Average earning assets | $434,828,500 | 1,792 |
| Average equity | $47,398,000 | 1,841 |
| Average total loans | $274,809,000 | 1,858 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8207% | 3,245 |
| Cost of funding earning assets | 0.7200% | 1,615 |
| Net interest margin | 3.1007% | 3,624 |
| Noninterest income to average assets | 0.5822% | 2,294 |
| Noninterest expense to average assets | 2.5811% | 2,614 |
| Loan and lease loss provision to assets | 0.0247% | 4,090 |
| Net operating income to assets | 0.7426% | 3,287 |
| Return on assets (ROA) | 0.7432% | 3,412 |
| Pretax return on assets | 0.8907% | 3,391 |
| Return on Equity (ROE) | 6.5757% | 3,379 |
| Retained earnings to average equity (ytd only) | 6.5757% | 1,559 |
| Net charge-offs to loans | 0.0054% | 3,155 |
| Credit loss provision to net charge-offs | 666.6667% | 1,029 |
| Earnings coverage of net charge-offs (x) | 246.8667% | 406 |
| Efficiency ratio | 73.8359% | 1,476 |
| Assets per employee ($millions) | 5.8229% | 2,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 3,564 |
| Loan loss allowance to noncurrent loans | 78.1743% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 0.8574% | 1,173 |
| Noncurrent loans to loans | 1.3805% | 988 |
| Net loans and leases to total assets | 61.0082% | 2,731 |
| Net loans and leases to deposits | 72.6112% | 2,626 |
| Net loans and leases to core deposits | 75.4639% | 2,774 |
| Total domestic deposits to total assets | 84.0203% | 3,103 |
| Equity capital to assets | 10.4800% | 2,691 |
| Core capital (leverage) ratio | 10.2612% | 2,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5174% | 972 |
| Memoranda: | ||
| Average total assets | $404,870,800 | 1,848 |
| Average earning assets | $380,428,200 | 1,834 |
| Average equity | $45,759,600 | 1,820 |
| Average total loans | $279,890,400 | 1,774 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9471% | 3,120 |
| Cost of funding earning assets | 0.7755% | 1,607 |
| Net interest margin | 3.1716% | 3,561 |
| Noninterest income to average assets | 0.5540% | 2,375 |
| Noninterest expense to average assets | 2.6283% | 2,454 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7630% | 3,238 |
| Return on assets (ROA) | 0.7639% | 3,351 |
| Pretax return on assets | 0.9035% | 3,373 |
| Return on Equity (ROE) | 6.6194% | 3,334 |
| Retained earnings to average equity (ytd only) | 6.6194% | 1,842 |
| Net charge-offs to loans | 0.0014% | 3,163 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 885.6667% | 132 |
| Efficiency ratio | 74.4396% | 1,368 |
| Assets per employee ($millions) | 5.7155% | 2,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9971% | 3,717 |
| Loan loss allowance to noncurrent loans | 69.3453% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 0.9906% | 1,131 |
| Noncurrent loans to loans | 1.4379% | 1,003 |
| Net loans and leases to total assets | 67.0643% | 2,378 |
| Net loans and leases to deposits | 80.4474% | 2,275 |
| Net loans and leases to core deposits | 84.1599% | 2,456 |
| Total domestic deposits to total assets | 83.3642% | 3,039 |
| Equity capital to assets | 10.7803% | 2,562 |
| Core capital (leverage) ratio | 10.6964% | 2,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0933% | 1,041 |
| Memoranda: | ||
| Average total assets | $392,541,000 | 1,872 |
| Average earning assets | $368,429,250 | 1,851 |
| Average equity | $45,299,750 | 1,833 |
| Average total loans | $279,834,000 | 1,764 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0906% | 3,075 |
| Cost of funding earning assets | 0.8322% | 1,667 |
| Net interest margin | 3.2584% | 3,496 |
| Noninterest income to average assets | 0.4828% | 2,638 |
| Noninterest expense to average assets | 2.6144% | 2,617 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7792% | 3,114 |
| Return on assets (ROA) | 0.7792% | 3,228 |
| Pretax return on assets | 0.9213% | 3,256 |
| Return on Equity (ROE) | 6.5862% | 3,296 |
| Retained earnings to average equity (ytd only) | 6.5862% | 1,832 |
| Net charge-offs to loans | -0.0167% | 4,358 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9429% | 1,468 |
| Assets per employee ($millions) | 5.5799% | 2,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0216% | 3,460 |
| Loan loss allowance to noncurrent loans | 69.2632% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 1.0552% | 1,106 |
| Noncurrent loans to loans | 1.4749% | 1,029 |
| Net loans and leases to total assets | 69.4777% | 2,115 |
| Net loans and leases to deposits | 83.2438% | 2,069 |
| Net loans and leases to core deposits | 87.0036% | 2,352 |
| Total domestic deposits to total assets | 83.4629% | 2,935 |
| Equity capital to assets | 11.1321% | 2,225 |
| Core capital (leverage) ratio | 11.2154% | 1,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3246% | 1,000 |
| Memoranda: | ||
| Average total assets | $378,595,667 | 1,899 |
| Average earning assets | $354,716,333 | 1,875 |
| Average equity | $44,790,667 | 1,833 |
| Average total loans | $275,030,000 | 1,771 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2438% | 3,085 |
| Cost of funding earning assets | 0.9082% | 1,821 |
| Net interest margin | 3.3356% | 3,497 |
| Noninterest income to average assets | 0.4737% | 2,686 |
| Noninterest expense to average assets | 2.8531% | 2,265 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6175% | 3,552 |
| Return on assets (ROA) | 0.6175% | 3,607 |
| Pretax return on assets | 0.7382% | 3,573 |
| Return on Equity (ROE) | 5.0494% | 3,613 |
| Retained earnings to average equity (ytd only) | 5.0494% | 2,254 |
| Net charge-offs to loans | -0.0658% | 4,713 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4453% | 1,196 |
| Assets per employee ($millions) | 4.8815% | 2,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1125% | 3,128 |
| Loan loss allowance to noncurrent loans | 68.7731% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 1.1944% | 1,045 |
| Noncurrent loans to loans | 1.6177% | 957 |
| Net loans and leases to total assets | 72.3966% | 1,860 |
| Net loans and leases to deposits | 88.7341% | 1,672 |
| Net loans and leases to core deposits | 93.7358% | 1,999 |
| Total domestic deposits to total assets | 81.5882% | 3,526 |
| Equity capital to assets | 12.2099% | 1,914 |
| Core capital (leverage) ratio | 12.1628% | 1,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6752% | 1,197 |
| Memoranda: | ||
| Average total assets | $361,436,000 | 1,917 |
| Average earning assets | $337,813,500 | 1,902 |
| Average equity | $44,203,000 | 1,840 |
| Average total loans | $267,622,500 | 1,769 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4077% | 3,227 |
| Cost of funding earning assets | 0.9473% | 1,972 |
| Net interest margin | 3.4604% | 3,565 |
| Noninterest income to average assets | 0.5161% | 2,641 |
| Noninterest expense to average assets | 2.7219% | 2,826 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8718% | 3,307 |
| Return on assets (ROA) | 0.8725% | 3,399 |
| Pretax return on assets | 1.0345% | 3,378 |
| Return on Equity (ROE) | 7.2822% | 3,451 |
| Retained earnings to average equity (ytd only) | 7.2822% | 1,265 |
| Net charge-offs to loans | 0.0094% | 3,350 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 149.6250% | 493 |
| Efficiency ratio | 72.4764% | 1,798 |
| Assets per employee ($millions) | 5.3247% | 2,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0995% | 2,959 |
| Loan loss allowance to noncurrent loans | 84.8152% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 0.9813% | 1,277 |
| Noncurrent loans to loans | 1.2964% | 1,167 |
| Net loans and leases to total assets | 74.0757% | 1,734 |
| Net loans and leases to deposits | 90.3596% | 1,545 |
| Net loans and leases to core deposits | 96.0577% | 1,895 |
| Total domestic deposits to total assets | 81.9788% | 3,514 |
| Equity capital to assets | 12.2503% | 1,980 |
| Core capital (leverage) ratio | 11.9362% | 1,816 |
| Tier 1 risk-based capital ratio | 16.5054% | 2,213 |
| Total risk-based capital ratio | 17.6345% | 2,207 |
| Memoranda: | ||
| Average total assets | $347,401,600 | 1,918 |
| Average earning assets | $325,225,600 | 1,902 |
| Average equity | $41,621,800 | 1,865 |
| Average total loans | $256,140,000 | 1,794 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4097% | 3,318 |
| Cost of funding earning assets | 0.9404% | 2,038 |
| Net interest margin | 3.4694% | 3,665 |
| Noninterest income to average assets | 0.4946% | 2,766 |
| Noninterest expense to average assets | 2.7333% | 2,774 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8518% | 3,515 |
| Return on assets (ROA) | 0.8528% | 3,590 |
| Pretax return on assets | 1.0112% | 3,555 |
| Return on Equity (ROE) | 7.1594% | 3,621 |
| Retained earnings to average equity (ytd only) | 7.1594% | 1,783 |
| Net charge-offs to loans | -0.0142% | 4,482 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0182% | 1,696 |
| Assets per employee ($millions) | 5.3077% | 2,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1474% | 2,787 |
| Loan loss allowance to noncurrent loans | 84.0079% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 1.0081% | 1,325 |
| Noncurrent loans to loans | 1.3658% | 1,128 |
| Net loans and leases to total assets | 72.4133% | 2,106 |
| Net loans and leases to deposits | 88.2549% | 1,899 |
| Net loans and leases to core deposits | 94.5008% | 2,133 |
| Total domestic deposits to total assets | 82.0502% | 3,465 |
| Equity capital to assets | 12.0403% | 2,228 |
| Core capital (leverage) ratio | 11.9616% | 1,876 |
| Tier 1 risk-based capital ratio | 16.6012% | 2,226 |
| Total risk-based capital ratio | 17.7792% | 2,190 |
| Memoranda: | ||
| Average total assets | $345,062,500 | 1,938 |
| Average earning assets | $323,125,000 | 1,925 |
| Average equity | $41,101,250 | 1,887 |
| Average total loans | $253,372,750 | 1,824 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3759% | 3,394 |
| Cost of funding earning assets | 0.9218% | 2,044 |
| Net interest margin | 3.4541% | 3,734 |
| Noninterest income to average assets | 0.4755% | 2,813 |
| Noninterest expense to average assets | 2.7463% | 2,765 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8207% | 3,584 |
| Return on assets (ROA) | 0.8221% | 3,633 |
| Pretax return on assets | 0.9674% | 3,659 |
| Return on Equity (ROE) | 6.9283% | 3,704 |
| Retained earnings to average equity (ytd only) | 6.9283% | 1,844 |
| Net charge-offs to loans | -0.0207% | 4,553 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9864% | 1,651 |
| Assets per employee ($millions) | 5.1233% | 2,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1580% | 2,750 |
| Loan loss allowance to noncurrent loans | 83.1849% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 1.0779% | 1,266 |
| Noncurrent loans to loans | 1.3921% | 1,116 |
| Net loans and leases to total assets | 74.2979% | 1,838 |
| Net loans and leases to deposits | 90.9998% | 1,629 |
| Net loans and leases to core deposits | 97.1740% | 1,960 |
| Total domestic deposits to total assets | 81.6463% | 3,621 |
| Equity capital to assets | 12.1800% | 2,063 |
| Core capital (leverage) ratio | 11.8683% | 1,904 |
| Tier 1 risk-based capital ratio | 16.4913% | 2,236 |
| Total risk-based capital ratio | 17.6838% | 2,207 |
| Memoranda: | ||
| Average total assets | $341,545,670 | 1,961 |
| Average earning assets | $320,028,330 | 1,945 |
| Average equity | $40,529,330 | 1,909 |
| Average total loans | $250,997,000 | 1,839 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3110% | 3,523 |
| Cost of funding earning assets | 0.8938% | 2,037 |
| Net interest margin | 3.4172% | 3,843 |
| Noninterest income to average assets | 0.4614% | 2,793 |
| Noninterest expense to average assets | 2.6934% | 2,924 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8220% | 3,545 |
| Return on assets (ROA) | 0.8230% | 3,577 |
| Pretax return on assets | 0.9698% | 3,543 |
| Return on Equity (ROE) | 7.0294% | 3,674 |
| Retained earnings to average equity (ytd only) | 7.0294% | 2,029 |
| Net charge-offs to loans | 0.0162% | 2,148 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 82.5000% | 756 |
| Efficiency ratio | 73.5492% | 1,810 |
| Assets per employee ($millions) | 5.5154% | 1,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1874% | 2,650 |
| Loan loss allowance to noncurrent loans | 221.4554% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.4194% | 2,913 |
| Noncurrent loans to loans | 0.5362% | 2,704 |
| Net loans and leases to total assets | 71.8361% | 2,194 |
| Net loans and leases to deposits | 86.5491% | 2,063 |
| Net loans and leases to core deposits | 93.0443% | 2,207 |
| Total domestic deposits to total assets | 83.0004% | 3,386 |
| Equity capital to assets | 11.8428% | 2,124 |
| Core capital (leverage) ratio | 12.0076% | 1,766 |
| Tier 1 risk-based capital ratio | 16.6265% | 2,215 |
| Total risk-based capital ratio | 17.8348% | 2,191 |
| Memoranda: | ||
| Average total assets | $340,688,500 | 1,978 |
| Average earning assets | $319,090,000 | 1,963 |
| Average equity | $39,889,500 | 1,926 |
| Average total loans | $247,484,000 | 1,872 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1517% | 3,580 |
| Cost of funding earning assets | 0.6538% | 2,366 |
| Net interest margin | 3.4979% | 3,711 |
| Noninterest income to average assets | 0.5216% | 2,711 |
| Noninterest expense to average assets | 2.6118% | 3,300 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0007% | 3,006 |
| Return on assets (ROA) | 1.0002% | 2,999 |
| Pretax return on assets | 1.1935% | 2,905 |
| Return on Equity (ROE) | 8.8575% | 3,063 |
| Retained earnings to average equity (ytd only) | 8.8575% | 921 |
| Net charge-offs to loans | -0.0791% | 5,096 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6256% | 2,446 |
| Assets per employee ($millions) | 5.5643% | 1,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2023% | 2,558 |
| Loan loss allowance to noncurrent loans | 232.6787% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.4128% | 2,902 |
| Noncurrent loans to loans | 0.5167% | 2,732 |
| Net loans and leases to total assets | 71.7121% | 2,309 |
| Net loans and leases to deposits | 87.4517% | 2,122 |
| Net loans and leases to core deposits | 91.2874% | 2,470 |
| Total domestic deposits to total assets | 82.0020% | 3,642 |
| Equity capital to assets | 11.5732% | 2,198 |
| Core capital (leverage) ratio | 11.8034% | 1,871 |
| Tier 1 risk-based capital ratio | 16.4577% | 2,254 |
| Total risk-based capital ratio | 17.6789% | 2,201 |
| Memoranda: | ||
| Average total assets | $332,646,800 | 1,974 |
| Average earning assets | $312,328,400 | 1,958 |
| Average equity | $37,561,600 | 1,960 |
| Average total loans | $236,474,800 | 1,906 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0886% | 3,675 |
| Cost of funding earning assets | 0.6063% | 2,426 |
| Net interest margin | 3.4823% | 3,754 |
| Noninterest income to average assets | 0.5402% | 2,616 |
| Noninterest expense to average assets | 2.6372% | 3,173 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9897% | 3,130 |
| Return on assets (ROA) | 0.9890% | 3,140 |
| Pretax return on assets | 1.1740% | 3,102 |
| Return on Equity (ROE) | 8.8153% | 3,179 |
| Retained earnings to average equity (ytd only) | 8.8153% | 1,295 |
| Net charge-offs to loans | -0.1071% | 5,183 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1820% | 2,326 |
| Assets per employee ($millions) | 5.3121% | 2,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2381% | 2,418 |
| Loan loss allowance to noncurrent loans | 220.4613% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.4469% | 2,902 |
| Noncurrent loans to loans | 0.5616% | 2,696 |
| Net loans and leases to total assets | 71.7651% | 2,365 |
| Net loans and leases to deposits | 86.1411% | 2,350 |
| Net loans and leases to core deposits | 87.4426% | 2,878 |
| Total domestic deposits to total assets | 83.3111% | 3,194 |
| Equity capital to assets | 11.5491% | 2,228 |
| Core capital (leverage) ratio | 11.7084% | 2,004 |
| Tier 1 risk-based capital ratio | 16.5411% | 2,259 |
| Total risk-based capital ratio | 17.7912% | 2,202 |
| Memoranda: | ||
| Average total assets | $330,953,250 | 1,995 |
| Average earning assets | $310,937,750 | 1,973 |
| Average equity | $37,131,500 | 1,981 |
| Average total loans | $234,001,500 | 1,925 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9939% | 3,803 |
| Cost of funding earning assets | 0.5745% | 2,404 |
| Net interest margin | 3.4194% | 3,895 |
| Noninterest income to average assets | 0.5056% | 2,830 |
| Noninterest expense to average assets | 2.6342% | 3,208 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9193% | 3,380 |
| Return on assets (ROA) | 0.9183% | 3,392 |
| Pretax return on assets | 1.0842% | 3,374 |
| Return on Equity (ROE) | 8.2651% | 3,381 |
| Retained earnings to average equity (ytd only) | 8.2651% | 1,510 |
| Net charge-offs to loans | -0.0233% | 4,628 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8191% | 2,189 |
| Assets per employee ($millions) | 5.4060% | 1,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1747% | 2,856 |
| Loan loss allowance to noncurrent loans | 180.1929% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.4822% | 2,834 |
| Noncurrent loans to loans | 0.6519% | 2,479 |
| Net loans and leases to total assets | 71.4841% | 2,365 |
| Net loans and leases to deposits | 86.0906% | 2,297 |
| Net loans and leases to core deposits | 87.8343% | 2,734 |
| Total domestic deposits to total assets | 83.0336% | 3,406 |
| Equity capital to assets | 11.3184% | 2,346 |
| Core capital (leverage) ratio | 11.5436% | 2,035 |
| Tier 1 risk-based capital ratio | 16.3252% | 2,322 |
| Total risk-based capital ratio | 17.5254% | 2,277 |
| Memoranda: | ||
| Average total assets | $331,487,330 | 2,003 |
| Average earning assets | $311,575,330 | 1,978 |
| Average equity | $36,829,670 | 1,996 |
| Average total loans | $232,228,000 | 1,940 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9189% | 3,876 |
| Cost of funding earning assets | 0.5476% | 2,424 |
| Net interest margin | 3.3713% | 3,981 |
| Noninterest income to average assets | 0.4910% | 2,861 |
| Noninterest expense to average assets | 2.6141% | 3,298 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8879% | 3,346 |
| Return on assets (ROA) | 0.8858% | 3,365 |
| Pretax return on assets | 1.0459% | 3,372 |
| Return on Equity (ROE) | 8.0476% | 3,344 |
| Retained earnings to average equity (ytd only) | 8.0476% | 1,816 |
| Net charge-offs to loans | 0.0279% | 1,939 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 54.4375% | 900 |
| Efficiency ratio | 71.3769% | 2,285 |
| Assets per employee ($millions) | 5.4362% | 1,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2046% | 2,782 |
| Loan loss allowance to noncurrent loans | 160.5937% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.5645% | 2,635 |
| Noncurrent loans to loans | 0.7501% | 2,332 |
| Net loans and leases to total assets | 68.2356% | 2,738 |
| Net loans and leases to deposits | 81.6896% | 2,624 |
| Net loans and leases to core deposits | 87.2625% | 2,696 |
| Total domestic deposits to total assets | 83.5304% | 3,489 |
| Equity capital to assets | 11.0482% | 2,536 |
| Core capital (leverage) ratio | 11.3349% | 2,136 |
| Tier 1 risk-based capital ratio | 16.4366% | 2,298 |
| Total risk-based capital ratio | 17.6515% | 2,262 |
| Memoranda: | ||
| Average total assets | $332,349,500 | 2,008 |
| Average earning assets | $312,638,500 | 1,989 |
| Average equity | $36,582,500 | 2,010 |
| Average total loans | $229,077,000 | 1,973 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8987% | 3,728 |
| Cost of funding earning assets | 0.5228% | 2,158 |
| Net interest margin | 3.3759% | 3,922 |
| Noninterest income to average assets | 0.5954% | 2,468 |
| Noninterest expense to average assets | 2.5688% | 3,547 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7170% | 3,531 |
| Return on assets (ROA) | 0.7182% | 3,571 |
| Pretax return on assets | 1.1948% | 2,793 |
| Return on Equity (ROE) | 6.6129% | 3,477 |
| Retained earnings to average equity (ytd only) | 6.6129% | 1,224 |
| Net charge-offs to loans | 0.0178% | 3,505 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 97.6750% | 659 |
| Efficiency ratio | 68.2873% | 2,837 |
| Assets per employee ($millions) | 5.4605% | 1,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2112% | 2,704 |
| Loan loss allowance to noncurrent loans | 144.7574% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.6302% | 2,439 |
| Noncurrent loans to loans | 0.8367% | 2,132 |
| Net loans and leases to total assets | 67.9530% | 2,825 |
| Net loans and leases to deposits | 81.2565% | 2,790 |
| Net loans and leases to core deposits | 86.2716% | 2,891 |
| Total domestic deposits to total assets | 83.6278% | 3,345 |
| Equity capital to assets | 10.9664% | 2,660 |
| Core capital (leverage) ratio | 10.9675% | 2,369 |
| Tier 1 risk-based capital ratio | 16.0711% | 2,406 |
| Total risk-based capital ratio | 17.2899% | 2,359 |
| Memoranda: | ||
| Average total assets | $327,507,000 | 2,025 |
| Average earning assets | $307,176,600 | 2,004 |
| Average equity | $35,566,600 | 2,050 |
| Average total loans | $225,150,400 | 1,965 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8408% | 3,865 |
| Cost of funding earning assets | 0.5186% | 2,118 |
| Net interest margin | 3.3221% | 4,097 |
| Noninterest income to average assets | 0.5716% | 2,621 |
| Noninterest expense to average assets | 2.5451% | 3,583 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8447% | 3,292 |
| Return on assets (ROA) | 0.8529% | 3,310 |
| Pretax return on assets | 1.1513% | 3,108 |
| Return on Equity (ROE) | 7.8731% | 3,193 |
| Retained earnings to average equity (ytd only) | 7.8731% | 1,272 |
| Net charge-offs to loans | 0.0089% | 3,409 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 185.9285% | 460 |
| Efficiency ratio | 69.0592% | 2,701 |
| Assets per employee ($millions) | 5.6844% | 1,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2094% | 2,877 |
| Loan loss allowance to noncurrent loans | 153.0055% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 0.6232% | 2,643 |
| Noncurrent loans to loans | 0.7904% | 2,382 |
| Net loans and leases to total assets | 68.1979% | 2,814 |
| Net loans and leases to deposits | 81.1542% | 2,859 |
| Net loans and leases to core deposits | 86.2635% | 2,941 |
| Total domestic deposits to total assets | 84.0350% | 3,111 |
| Equity capital to assets | 10.9432% | 2,919 |
| Core capital (leverage) ratio | 10.9136% | 2,537 |
| Tier 1 risk-based capital ratio | 15.7699% | 2,602 |
| Total risk-based capital ratio | 16.9855% | 2,549 |
| Memoranda: | ||
| Average total assets | $326,111,500 | 2,043 |
| Average earning assets | $305,659,500 | 2,026 |
| Average equity | $35,326,250 | 2,070 |
| Average total loans | $224,158,250 | 1,977 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7656% | 4,017 |
| Cost of funding earning assets | 0.5135% | 2,066 |
| Net interest margin | 3.2521% | 4,255 |
| Noninterest income to average assets | 0.5442% | 2,749 |
| Noninterest expense to average assets | 2.5546% | 3,567 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7812% | 3,480 |
| Return on assets (ROA) | 0.7938% | 3,483 |
| Pretax return on assets | 1.0532% | 3,359 |
| Return on Equity (ROE) | 7.3534% | 3,367 |
| Retained earnings to average equity (ytd only) | 7.3534% | 1,425 |
| Net charge-offs to loans | 0.1019% | 1,602 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 14.8142% | 2,050 |
| Efficiency ratio | 71.1379% | 2,490 |
| Assets per employee ($millions) | 5.7130% | 1,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1927% | 3,064 |
| Loan loss allowance to noncurrent loans | 155.7028% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 0.6160% | 2,721 |
| Noncurrent loans to loans | 0.7660% | 2,484 |
| Net loans and leases to total assets | 68.7640% | 2,699 |
| Net loans and leases to deposits | 82.2273% | 2,679 |
| Net loans and leases to core deposits | 87.7245% | 2,726 |
| Total domestic deposits to total assets | 83.6267% | 3,352 |
| Equity capital to assets | 11.0324% | 2,776 |
| Core capital (leverage) ratio | 10.9026% | 2,504 |
| Tier 1 risk-based capital ratio | 15.8033% | 2,583 |
| Total risk-based capital ratio | 17.0059% | 2,535 |
| Memoranda: | ||
| Average total assets | $323,023,000 | 2,066 |
| Average earning assets | $302,634,670 | 2,039 |
| Average equity | $34,868,000 | 2,085 |
| Average total loans | $221,704,330 | 1,998 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7098% | 4,091 |
| Cost of funding earning assets | 0.5188% | 1,947 |
| Net interest margin | 3.1910% | 4,369 |
| Noninterest income to average assets | 0.4414% | 3,367 |
| Noninterest expense to average assets | 2.5302% | 3,713 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6950% | 3,731 |
| Return on assets (ROA) | 0.6950% | 3,768 |
| Pretax return on assets | 0.9014% | 3,765 |
| Return on Equity (ROE) | 6.5115% | 3,657 |
| Retained earnings to average equity (ytd only) | 6.5115% | 2,073 |
| Net charge-offs to loans | 0.1624% | 998 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 8.1461% | 2,082 |
| Efficiency ratio | 73.7319% | 2,279 |
| Assets per employee ($millions) | 5.8377% | 1,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2547% | 2,791 |
| Loan loss allowance to noncurrent loans | 154.0113% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.6173% | 2,784 |
| Noncurrent loans to loans | 0.8147% | 2,412 |
| Net loans and leases to total assets | 65.6240% | 3,033 |
| Net loans and leases to deposits | 78.1119% | 2,952 |
| Net loans and leases to core deposits | 83.8651% | 2,914 |
| Total domestic deposits to total assets | 84.0128% | 3,472 |
| Equity capital to assets | 10.6160% | 3,048 |
| Core capital (leverage) ratio | 11.0215% | 2,342 |
| Tier 1 risk-based capital ratio | 15.9227% | 2,581 |
| Total risk-based capital ratio | 17.1701% | 2,528 |
| Memoranda: | ||
| Average total assets | $321,714,500 | 2,089 |
| Average earning assets | $301,475,500 | 2,063 |
| Average equity | $34,339,000 | 2,122 |
| Average total loans | $219,243,500 | 2,034 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9516% | 3,379 |
| Cost of funding earning assets | 0.5417% | 1,777 |
| Net interest margin | 3.4099% | 3,790 |
| Noninterest income to average assets | 0.5810% | 2,754 |
| Noninterest expense to average assets | 2.5502% | 3,841 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9126% | 2,760 |
| Return on assets (ROA) | 0.9157% | 2,858 |
| Pretax return on assets | 1.2380% | 2,522 |
| Return on Equity (ROE) | 8.4034% | 2,742 |
| Retained earnings to average equity (ytd only) | 8.4034% | 738 |
| Net charge-offs to loans | 0.0188% | 3,680 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 92.1463% | 648 |
| Efficiency ratio | 67.3945% | 3,367 |
| Assets per employee ($millions) | 5.5529% | 1,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2724% | 2,691 |
| Loan loss allowance to noncurrent loans | 165.5882% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.6218% | 2,865 |
| Noncurrent loans to loans | 0.7684% | 2,611 |
| Net loans and leases to total assets | 69.0052% | 2,620 |
| Net loans and leases to deposits | 82.9040% | 2,558 |
| Net loans and leases to core deposits | 89.8017% | 2,523 |
| Total domestic deposits to total assets | 83.2351% | 3,683 |
| Equity capital to assets | 10.7334% | 2,886 |
| Core capital (leverage) ratio | 10.8464% | 2,491 |
| Tier 1 risk-based capital ratio | 15.4871% | 2,753 |
| Total risk-based capital ratio | 16.7373% | 2,689 |
| Memoranda: | ||
| Average total assets | $306,214,800 | 2,133 |
| Average earning assets | $287,630,000 | 2,112 |
| Average equity | $33,367,400 | 2,159 |
| Average total loans | $217,661,800 | 1,985 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9707% | 3,324 |
| Cost of funding earning assets | 0.5365% | 1,821 |
| Net interest margin | 3.4342% | 3,726 |
| Noninterest income to average assets | 0.5678% | 2,829 |
| Noninterest expense to average assets | 2.5477% | 3,835 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9263% | 2,777 |
| Return on assets (ROA) | 0.9296% | 2,880 |
| Pretax return on assets | 1.2541% | 2,604 |
| Return on Equity (ROE) | 8.4977% | 2,764 |
| Retained earnings to average equity (ytd only) | 8.4977% | 982 |
| Net charge-offs to loans | 0.0234% | 3,211 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 74.8879% | 825 |
| Efficiency ratio | 67.0907% | 3,406 |
| Assets per employee ($millions) | 5.7307% | 1,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 2,834 |
| Loan loss allowance to noncurrent loans | 139.2981% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.7012% | 2,808 |
| Noncurrent loans to loans | 0.9129% | 2,419 |
| Net loans and leases to total assets | 69.4133% | 2,585 |
| Net loans and leases to deposits | 83.6354% | 2,531 |
| Net loans and leases to core deposits | 90.4300% | 2,534 |
| Total domestic deposits to total assets | 82.9951% | 3,598 |
| Equity capital to assets | 10.9174% | 3,103 |
| Core capital (leverage) ratio | 10.9410% | 2,518 |
| Tier 1 risk-based capital ratio | 15.3598% | 2,888 |
| Total risk-based capital ratio | 16.6100% | 2,818 |
| Memoranda: | ||
| Average total assets | $303,639,000 | 2,154 |
| Average earning assets | $285,548,750 | 2,134 |
| Average equity | $33,216,000 | 2,182 |
| Average total loans | $216,770,000 | 2,003 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0052% | 3,228 |
| Cost of funding earning assets | 0.5319% | 1,857 |
| Net interest margin | 3.4732% | 3,599 |
| Noninterest income to average assets | 0.5317% | 2,996 |
| Noninterest expense to average assets | 2.5891% | 3,758 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8977% | 2,874 |
| Return on assets (ROA) | 0.9026% | 2,982 |
| Pretax return on assets | 1.2162% | 2,719 |
| Return on Equity (ROE) | 8.2455% | 2,863 |
| Retained earnings to average equity (ytd only) | 8.2455% | 1,094 |
| Net charge-offs to loans | 0.0511% | 2,472 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 32.9636% | 1,322 |
| Efficiency ratio | 68.1595% | 3,311 |
| Assets per employee ($millions) | 5.3063% | 1,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2906% | 2,843 |
| Loan loss allowance to noncurrent loans | 147.3435% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.6926% | 2,905 |
| Noncurrent loans to loans | 0.8759% | 2,547 |
| Net loans and leases to total assets | 72.0922% | 2,150 |
| Net loans and leases to deposits | 87.3642% | 2,086 |
| Net loans and leases to core deposits | 95.2242% | 2,046 |
| Total domestic deposits to total assets | 82.5192% | 3,828 |
| Equity capital to assets | 11.3510% | 2,692 |
| Core capital (leverage) ratio | 10.8641% | 2,579 |
| Tier 1 risk-based capital ratio | 15.5813% | 2,828 |
| Total risk-based capital ratio | 16.8321% | 2,769 |
| Memoranda: | ||
| Average total assets | $299,790,000 | 2,184 |
| Average earning assets | $281,985,330 | 2,159 |
| Average equity | $32,818,000 | 2,208 |
| Average total loans | $215,160,330 | 2,014 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0203% | 3,151 |
| Cost of funding earning assets | 0.5211% | 1,935 |
| Net interest margin | 3.4992% | 3,479 |
| Noninterest income to average assets | 0.4224% | 3,667 |
| Noninterest expense to average assets | 2.5758% | 3,825 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8470% | 2,999 |
| Return on assets (ROA) | 0.8568% | 3,079 |
| Pretax return on assets | 1.1517% | 2,885 |
| Return on Equity (ROE) | 7.9723% | 2,928 |
| Retained earnings to average equity (ytd only) | 7.9723% | 1,464 |
| Net charge-offs to loans | 0.0187% | 2,561 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 85.7000% | 602 |
| Efficiency ratio | 69.3491% | 3,241 |
| Assets per employee ($millions) | 5.3216% | 2,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3528% | 2,640 |
| Loan loss allowance to noncurrent loans | 193.7372% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.5440% | 3,435 |
| Noncurrent loans to loans | 0.6982% | 3,099 |
| Net loans and leases to total assets | 68.4205% | 2,596 |
| Net loans and leases to deposits | 82.2045% | 2,518 |
| Net loans and leases to core deposits | 89.8543% | 2,388 |
| Total domestic deposits to total assets | 83.2321% | 3,813 |
| Equity capital to assets | 10.7991% | 3,164 |
| Core capital (leverage) ratio | 10.7642% | 2,659 |
| Tier 1 risk-based capital ratio | 15.6475% | 2,846 |
| Total risk-based capital ratio | 16.8992% | 2,772 |
| Memoranda: | ||
| Average total assets | $301,108,000 | 2,180 |
| Average earning assets | $283,265,500 | 2,161 |
| Average equity | $32,362,000 | 2,229 |
| Average total loans | $214,227,500 | 2,020 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0861% | 2,973 |
| Cost of funding earning assets | 0.5829% | 1,475 |
| Net interest margin | 3.5032% | 3,506 |
| Noninterest income to average assets | 0.5670% | 2,917 |
| Noninterest expense to average assets | 2.5771% | 4,001 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9351% | 2,685 |
| Return on assets (ROA) | 0.9356% | 2,765 |
| Pretax return on assets | 1.2816% | 2,348 |
| Return on Equity (ROE) | 8.8483% | 2,526 |
| Retained earnings to average equity (ytd only) | 8.8483% | 691 |
| Net charge-offs to loans | 0.0993% | 2,425 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 17.2326% | 2,088 |
| Efficiency ratio | 66.7981% | 3,777 |
| Assets per employee ($millions) | 5.4343% | 1,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3097% | 2,843 |
| Loan loss allowance to noncurrent loans | 190.9091% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.6795% | 3,010 |
| Noncurrent loans to loans | 0.6860% | 3,136 |
| Net loans and leases to total assets | 72.0050% | 2,048 |
| Net loans and leases to deposits | 87.3983% | 1,945 |
| Net loans and leases to core deposits | 96.7432% | 1,772 |
| Total domestic deposits to total assets | 82.3873% | 4,057 |
| Equity capital to assets | 10.6954% | 3,142 |
| Core capital (leverage) ratio | 10.5831% | 2,840 |
| Tier 1 risk-based capital ratio | 14.7877% | 3,284 |
| Total risk-based capital ratio | 16.0390% | 3,214 |
| Memoranda: | ||
| Average total assets | $289,237,200 | 2,213 |
| Average earning assets | $271,723,200 | 2,191 |
| Average equity | $30,582,000 | 2,278 |
| Average total loans | $216,530,400 | 1,949 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0867% | 2,999 |
| Cost of funding earning assets | 0.5815% | 1,530 |
| Net interest margin | 3.5053% | 3,510 |
| Noninterest income to average assets | 0.5690% | 2,922 |
| Noninterest expense to average assets | 2.5413% | 4,077 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9611% | 2,666 |
| Return on assets (ROA) | 0.9618% | 2,747 |
| Pretax return on assets | 1.3211% | 2,314 |
| Return on Equity (ROE) | 9.1236% | 2,508 |
| Retained earnings to average equity (ytd only) | 9.1236% | 860 |
| Net charge-offs to loans | 0.0981% | 2,170 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 17.8620% | 2,041 |
| Efficiency ratio | 65.8120% | 3,923 |
| Assets per employee ($millions) | 5.2421% | 2,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3351% | 2,933 |
| Loan loss allowance to noncurrent loans | 137.6832% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 0.8642% | 2,717 |
| Noncurrent loans to loans | 0.9697% | 2,563 |
| Net loans and leases to total assets | 73.3104% | 1,852 |
| Net loans and leases to deposits | 89.4385% | 1,718 |
| Net loans and leases to core deposits | 99.2510% | 1,579 |
| Total domestic deposits to total assets | 81.9673% | 4,174 |
| Equity capital to assets | 10.6409% | 3,426 |
| Core capital (leverage) ratio | 10.5254% | 3,018 |
| Tier 1 risk-based capital ratio | 14.7004% | 3,437 |
| Total risk-based capital ratio | 15.9520% | 3,382 |
| Memoranda: | ||
| Average total assets | $286,825,000 | 2,247 |
| Average earning assets | $269,417,000 | 2,220 |
| Average equity | $30,235,750 | 2,317 |
| Average total loans | $216,145,750 | 1,956 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0940% | 2,917 |
| Cost of funding earning assets | 0.5751% | 1,607 |
| Net interest margin | 3.5189% | 3,422 |
| Noninterest income to average assets | 0.5348% | 3,138 |
| Noninterest expense to average assets | 2.5216% | 4,170 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9618% | 2,577 |
| Return on assets (ROA) | 0.9628% | 2,683 |
| Pretax return on assets | 1.3170% | 2,302 |
| Return on Equity (ROE) | 9.1633% | 2,450 |
| Retained earnings to average equity (ytd only) | 9.1633% | 873 |
| Net charge-offs to loans | 0.0306% | 3,049 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 56.7273% | 871 |
| Efficiency ratio | 65.7143% | 4,062 |
| Assets per employee ($millions) | 5.0657% | 2,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3856% | 2,830 |
| Loan loss allowance to noncurrent loans | 117.3426% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 0.9288% | 2,676 |
| Noncurrent loans to loans | 1.1808% | 2,292 |
| Net loans and leases to total assets | 74.8803% | 1,523 |
| Net loans and leases to deposits | 90.7661% | 1,505 |
| Net loans and leases to core deposits | 100.5806% | 1,440 |
| Total domestic deposits to total assets | 82.4981% | 4,128 |
| Equity capital to assets | 10.5346% | 3,406 |
| Core capital (leverage) ratio | 10.5437% | 2,898 |
| Tier 1 risk-based capital ratio | 14.2739% | 3,777 |
| Total risk-based capital ratio | 15.5259% | 3,703 |
| Memoranda: | ||
| Average total assets | $284,581,330 | 2,274 |
| Average earning assets | $267,074,000 | 2,257 |
| Average equity | $29,902,000 | 2,346 |
| Average total loans | $215,488,000 | 1,970 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0886% | 2,880 |
| Cost of funding earning assets | 0.5742% | 1,624 |
| Net interest margin | 3.5144% | 3,375 |
| Noninterest income to average assets | 0.4545% | 3,607 |
| Noninterest expense to average assets | 2.5303% | 4,173 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9027% | 2,732 |
| Return on assets (ROA) | 0.9048% | 2,846 |
| Pretax return on assets | 1.2290% | 2,552 |
| Return on Equity (ROE) | 8.6223% | 2,639 |
| Retained earnings to average equity (ytd only) | 8.6223% | 1,335 |
| Net charge-offs to loans | 0.0730% | 1,984 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 22.2051% | 1,356 |
| Efficiency ratio | 67.3577% | 3,928 |
| Assets per employee ($millions) | 5.1789% | 2,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4177% | 2,840 |
| Loan loss allowance to noncurrent loans | 109.4190% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 1.0016% | 2,627 |
| Noncurrent loans to loans | 1.2957% | 2,219 |
| Net loans and leases to total assets | 74.0165% | 1,495 |
| Net loans and leases to deposits | 89.6717% | 1,426 |
| Net loans and leases to core deposits | 99.5293% | 1,351 |
| Total domestic deposits to total assets | 82.5417% | 4,332 |
| Equity capital to assets | 10.5379% | 3,493 |
| Core capital (leverage) ratio | 10.4810% | 2,988 |
| Tier 1 risk-based capital ratio | 14.2401% | 3,855 |
| Total risk-based capital ratio | 15.4926% | 3,782 |
| Memoranda: | ||
| Average total assets | $282,499,500 | 2,302 |
| Average earning assets | $265,421,000 | 2,280 |
| Average equity | $29,644,000 | 2,379 |
| Average total loans | $213,606,500 | 1,991 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1311% | 3,202 |
| Cost of funding earning assets | 0.6232% | 1,585 |
| Net interest margin | 3.5078% | 3,761 |
| Noninterest income to average assets | 0.4725% | 3,692 |
| Noninterest expense to average assets | 2.4962% | 4,562 |
| Loan and lease loss provision to assets | 0.1278% | 2,051 |
| Net operating income to assets | 0.8307% | 3,221 |
| Return on assets (ROA) | 0.8304% | 3,312 |
| Pretax return on assets | 1.1275% | 2,979 |
| Return on Equity (ROE) | 8.3017% | 2,965 |
| Retained earnings to average equity (ytd only) | 8.3017% | 907 |
| Net charge-offs to loans | 0.2797% | 1,551 |
| Credit loss provision to net charge-offs | 61.7391% | 3,250 |
| Earnings coverage of net charge-offs (x) | 6.0643% | 3,280 |
| Efficiency ratio | 66.5323% | 4,144 |
| Assets per employee ($millions) | 5.0938% | 2,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 2,746 |
| Loan loss allowance to noncurrent loans | 93.5710% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 1.2175% | 2,338 |
| Noncurrent loans to loans | 1.5383% | 1,910 |
| Net loans and leases to total assets | 75.0578% | 1,413 |
| Net loans and leases to deposits | 91.7345% | 1,316 |
| Net loans and leases to core deposits | 102.4122% | 1,216 |
| Total domestic deposits to total assets | 81.8207% | 4,486 |
| Equity capital to assets | 10.4483% | 3,550 |
| Core capital (leverage) ratio | 10.2211% | 3,283 |
| Tier 1 risk-based capital ratio | 14.1390% | 4,005 |
| Total risk-based capital ratio | 15.3919% | 3,931 |
| Memoranda: | ||
| Average total assets | $277,699,600 | 2,298 |
| Average earning assets | $259,618,000 | 2,280 |
| Average equity | $27,777,400 | 2,422 |
| Average total loans | $205,570,000 | 2,000 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1286% | 3,258 |
| Cost of funding earning assets | 0.6169% | 1,705 |
| Net interest margin | 3.5117% | 3,783 |
| Noninterest income to average assets | 0.4610% | 3,810 |
| Noninterest expense to average assets | 2.4622% | 4,635 |
| Loan and lease loss provision to assets | 0.0986% | 2,395 |
| Net operating income to assets | 0.8650% | 3,104 |
| Return on assets (ROA) | 0.8647% | 3,192 |
| Pretax return on assets | 1.1784% | 2,867 |
| Return on Equity (ROE) | 8.7431% | 2,814 |
| Retained earnings to average equity (ytd only) | 8.7431% | 1,080 |
| Net charge-offs to loans | 0.1578% | 2,229 |
| Credit loss provision to net charge-offs | 85.0622% | 2,505 |
| Earnings coverage of net charge-offs (x) | 11.0164% | 2,479 |
| Efficiency ratio | 65.8389% | 4,238 |
| Assets per employee ($millions) | 5.0644% | 2,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5595% | 2,462 |
| Loan loss allowance to noncurrent loans | 96.9905% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 1.2641% | 2,437 |
| Noncurrent loans to loans | 1.6079% | 2,025 |
| Net loans and leases to total assets | 73.7657% | 1,561 |
| Net loans and leases to deposits | 89.3183% | 1,505 |
| Net loans and leases to core deposits | 100.3737% | 1,332 |
| Total domestic deposits to total assets | 82.5874% | 4,273 |
| Equity capital to assets | 10.2815% | 3,809 |
| Core capital (leverage) ratio | 10.1374% | 3,490 |
| Tier 1 risk-based capital ratio | 13.9096% | 4,285 |
| Total risk-based capital ratio | 15.1639% | 4,220 |
| Memoranda: | ||
| Average total assets | $277,084,500 | 2,311 |
| Average earning assets | $258,712,000 | 2,301 |
| Average equity | $27,403,750 | 2,458 |
| Average total loans | $203,624,250 | 2,023 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0863% | 3,403 |
| Cost of funding earning assets | 0.6016% | 1,883 |
| Net interest margin | 3.4847% | 3,840 |
| Noninterest income to average assets | 0.4085% | 4,183 |
| Noninterest expense to average assets | 2.4555% | 4,714 |
| Loan and lease loss provision to assets | 0.0759% | 2,755 |
| Net operating income to assets | 0.8323% | 3,169 |
| Return on assets (ROA) | 0.8323% | 3,262 |
| Pretax return on assets | 1.1273% | 2,986 |
| Return on Equity (ROE) | 8.5283% | 2,823 |
| Retained earnings to average equity (ytd only) | 8.5283% | 1,134 |
| Net charge-offs to loans | 0.0129% | 3,980 |
| Credit loss provision to net charge-offs | 807.6923% | 404 |
| Earnings coverage of net charge-offs (x) | 128.0000% | 468 |
| Efficiency ratio | 67.1146% | 4,178 |
| Assets per employee ($millions) | 5.1606% | 2,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6311% | 2,356 |
| Loan loss allowance to noncurrent loans | 92.4822% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 1.3708% | 2,386 |
| Noncurrent loans to loans | 1.7637% | 1,955 |
| Net loans and leases to total assets | 73.2113% | 1,546 |
| Net loans and leases to deposits | 88.4233% | 1,544 |
| Net loans and leases to core deposits | 101.5419% | 1,169 |
| Total domestic deposits to total assets | 82.7963% | 4,385 |
| Equity capital to assets | 9.9995% | 4,108 |
| Core capital (leverage) ratio | 9.9551% | 3,672 |
| Tier 1 risk-based capital ratio | 13.6818% | 4,468 |
| Total risk-based capital ratio | 14.9370% | 4,408 |
| Memoranda: | ||
| Average total assets | $276,599,330 | 2,323 |
| Average earning assets | $257,986,330 | 2,297 |
| Average equity | $26,992,330 | 2,482 |
| Average total loans | $201,925,000 | 2,035 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0442% | 3,504 |
| Cost of funding earning assets | 0.5987% | 1,981 |
| Net interest margin | 3.4455% | 3,918 |
| Noninterest income to average assets | 0.3861% | 4,301 |
| Noninterest expense to average assets | 2.5127% | 4,582 |
| Loan and lease loss provision to assets | 0.0435% | 3,225 |
| Net operating income to assets | 0.7751% | 3,278 |
| Return on assets (ROA) | 0.7751% | 3,360 |
| Pretax return on assets | 1.0379% | 3,178 |
| Return on Equity (ROE) | 8.0435% | 2,904 |
| Retained earnings to average equity (ytd only) | 8.0435% | 1,579 |
| Net charge-offs to loans | 0.0100% | 3,423 |
| Credit loss provision to net charge-offs | 600.0000% | 463 |
| Earnings coverage of net charge-offs (x) | 149.0000% | 328 |
| Efficiency ratio | 69.9111% | 3,851 |
| Assets per employee ($millions) | 5.0890% | 2,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6273% | 2,587 |
| Loan loss allowance to noncurrent loans | 99.0146% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 1.2533% | 2,769 |
| Noncurrent loans to loans | 1.6435% | 2,368 |
| Net loans and leases to total assets | 71.6184% | 1,628 |
| Net loans and leases to deposits | 85.4997% | 1,660 |
| Net loans and leases to core deposits | 98.9540% | 1,181 |
| Total domestic deposits to total assets | 83.7645% | 4,361 |
| Equity capital to assets | 9.6265% | 4,322 |
| Core capital (leverage) ratio | 9.9298% | 3,662 |
| Tier 1 risk-based capital ratio | 13.6552% | 4,576 |
| Total risk-based capital ratio | 14.9102% | 4,522 |
| Memoranda: | ||
| Average total assets | $275,562,500 | 2,334 |
| Average earning assets | $256,563,000 | 2,309 |
| Average equity | $26,555,500 | 2,505 |
| Average total loans | $199,186,000 | 2,058 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2086% | 3,319 |
| Cost of funding earning assets | 0.6356% | 2,335 |
| Net interest margin | 3.5730% | 3,588 |
| Noninterest income to average assets | 0.5349% | 3,520 |
| Noninterest expense to average assets | 2.4953% | 4,777 |
| Loan and lease loss provision to assets | 0.3341% | 963 |
| Net operating income to assets | 0.7654% | 3,468 |
| Return on assets (ROA) | 0.7654% | 3,562 |
| Pretax return on assets | 1.0323% | 3,218 |
| Return on Equity (ROE) | 8.1256% | 2,968 |
| Retained earnings to average equity (ytd only) | 8.1256% | 1,017 |
| Net charge-offs to loans | 0.5223% | 1,268 |
| Credit loss provision to net charge-offs | 88.9541% | 2,792 |
| Earnings coverage of net charge-offs (x) | 3.6383% | 3,801 |
| Efficiency ratio | 64.6164% | 4,796 |
| Assets per employee ($millions) | 5.0228% | 2,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6912% | 2,430 |
| Loan loss allowance to noncurrent loans | 92.6259% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 1.3490% | 2,727 |
| Noncurrent loans to loans | 1.8258% | 2,205 |
| Net loans and leases to total assets | 70.5337% | 1,930 |
| Net loans and leases to deposits | 84.1182% | 1,928 |
| Net loans and leases to core deposits | 95.2967% | 1,505 |
| Total domestic deposits to total assets | 83.8507% | 4,220 |
| Equity capital to assets | 9.6475% | 4,223 |
| Core capital (leverage) ratio | 9.6810% | 4,014 |
| Tier 1 risk-based capital ratio | 13.9223% | 4,347 |
| Total risk-based capital ratio | 15.1783% | 4,280 |
| Memoranda: | ||
| Average total assets | $272,392,200 | 2,330 |
| Average earning assets | $253,621,600 | 2,300 |
| Average equity | $25,659,600 | 2,572 |
| Average total loans | $195,874,400 | 2,040 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1932% | 3,410 |
| Cost of funding earning assets | 0.6375% | 2,476 |
| Net interest margin | 3.5558% | 3,631 |
| Noninterest income to average assets | 0.5457% | 3,488 |
| Noninterest expense to average assets | 2.4340% | 4,921 |
| Loan and lease loss provision to assets | 0.2396% | 1,504 |
| Net operating income to assets | 0.8640% | 3,026 |
| Return on assets (ROA) | 0.8640% | 3,134 |
| Pretax return on assets | 1.1857% | 2,761 |
| Return on Equity (ROE) | 9.2271% | 2,525 |
| Retained earnings to average equity (ytd only) | 9.2271% | 989 |
| Net charge-offs to loans | 0.3812% | 1,682 |
| Credit loss provision to net charge-offs | 87.3440% | 2,683 |
| Earnings coverage of net charge-offs (x) | 5.1961% | 3,259 |
| Efficiency ratio | 63.0685% | 4,978 |
| Assets per employee ($millions) | 5.2799% | 1,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6748% | 2,711 |
| Loan loss allowance to noncurrent loans | 83.3042% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 1.5002% | 2,686 |
| Noncurrent loans to loans | 2.0104% | 2,238 |
| Net loans and leases to total assets | 71.2721% | 1,732 |
| Net loans and leases to deposits | 84.9299% | 1,754 |
| Net loans and leases to core deposits | 96.1762% | 1,380 |
| Total domestic deposits to total assets | 83.9187% | 4,221 |
| Equity capital to assets | 9.4014% | 4,673 |
| Core capital (leverage) ratio | 9.6511% | 4,167 |
| Tier 1 risk-based capital ratio | 13.5789% | 4,705 |
| Total risk-based capital ratio | 14.8350% | 4,661 |
| Memoranda: | ||
| Average total assets | $272,682,250 | 2,336 |
| Average earning assets | $254,117,000 | 2,302 |
| Average equity | $25,532,750 | 2,617 |
| Average total loans | $196,192,750 | 2,039 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1588% | 3,506 |
| Cost of funding earning assets | 0.6379% | 2,606 |
| Net interest margin | 3.5209% | 3,696 |
| Noninterest income to average assets | 0.5146% | 3,744 |
| Noninterest expense to average assets | 2.4304% | 4,966 |
| Loan and lease loss provision to assets | 0.2279% | 1,651 |
| Net operating income to assets | 0.8417% | 3,088 |
| Return on assets (ROA) | 0.8417% | 3,246 |
| Pretax return on assets | 1.1468% | 2,897 |
| Return on Equity (ROE) | 9.0017% | 2,607 |
| Retained earnings to average equity (ytd only) | 9.0017% | 1,118 |
| Net charge-offs to loans | 0.4353% | 1,489 |
| Credit loss provision to net charge-offs | 72.9412% | 2,763 |
| Earnings coverage of net charge-offs (x) | 4.4000% | 3,143 |
| Efficiency ratio | 63.8717% | 4,885 |
| Assets per employee ($millions) | 5.0864% | 2,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6616% | 2,929 |
| Loan loss allowance to noncurrent loans | 88.9400% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 1.5153% | 2,830 |
| Noncurrent loans to loans | 1.8682% | 2,538 |
| Net loans and leases to total assets | 72.2050% | 1,544 |
| Net loans and leases to deposits | 86.3941% | 1,536 |
| Net loans and leases to core deposits | 99.1847% | 1,133 |
| Total domestic deposits to total assets | 83.5764% | 4,485 |
| Equity capital to assets | 9.5007% | 4,577 |
| Core capital (leverage) ratio | 9.3801% | 4,416 |
| Tier 1 risk-based capital ratio | 13.3475% | 4,880 |
| Total risk-based capital ratio | 14.6032% | 4,824 |
| Memoranda: | ||
| Average total assets | $272,058,000 | 2,349 |
| Average earning assets | $254,255,330 | 2,313 |
| Average equity | $25,439,670 | 2,635 |
| Average total loans | $195,252,330 | 2,050 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1557% | 3,491 |
| Cost of funding earning assets | 0.6427% | 2,721 |
| Net interest margin | 3.5130% | 3,642 |
| Noninterest income to average assets | 0.4874% | 3,865 |
| Noninterest expense to average assets | 2.3915% | 5,150 |
| Loan and lease loss provision to assets | 0.1464% | 2,412 |
| Net operating income to assets | 0.8913% | 2,691 |
| Return on assets (ROA) | 0.8913% | 2,839 |
| Pretax return on assets | 1.2294% | 2,475 |
| Return on Equity (ROE) | 9.6081% | 2,229 |
| Retained earnings to average equity (ytd only) | 9.6081% | 1,214 |
| Net charge-offs to loans | 0.1774% | 2,329 |
| Credit loss provision to net charge-offs | 116.2791% | 1,631 |
| Earnings coverage of net charge-offs (x) | 10.9302% | 1,698 |
| Efficiency ratio | 63.4810% | 5,086 |
| Assets per employee ($millions) | 5.1646% | 2,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7630% | 2,761 |
| Loan loss allowance to noncurrent loans | 98.3880% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 1.3952% | 3,180 |
| Noncurrent loans to loans | 1.7919% | 2,872 |
| Net loans and leases to total assets | 69.5779% | 1,736 |
| Net loans and leases to deposits | 82.8538% | 1,724 |
| Net loans and leases to core deposits | 97.0812% | 1,137 |
| Total domestic deposits to total assets | 83.9766% | 4,481 |
| Equity capital to assets | 9.3543% | 5,056 |
| Core capital (leverage) ratio | 9.3055% | 4,390 |
| Tier 1 risk-based capital ratio | 13.2898% | 5,022 |
| Total risk-based capital ratio | 14.5468% | 4,966 |
| Memoranda: | ||
| Average total assets | $273,296,500 | 2,362 |
| Average earning assets | $255,169,000 | 2,331 |
| Average equity | $25,353,500 | 2,675 |
| Average total loans | $193,908,500 | 2,077 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3659% | 3,958 |
| Cost of funding earning assets | 0.7541% | 3,057 |
| Net interest margin | 3.6118% | 4,037 |
| Noninterest income to average assets | 0.3917% | 4,671 |
| Noninterest expense to average assets | 2.3596% | 5,531 |
| Loan and lease loss provision to assets | 0.4664% | 1,337 |
| Net operating income to assets | 0.6606% | 3,928 |
| Return on assets (ROA) | 0.6691% | 4,160 |
| Pretax return on assets | 0.9516% | 3,736 |
| Return on Equity (ROE) | 7.5502% | 3,312 |
| Retained earnings to average equity (ytd only) | 7.5502% | 1,310 |
| Net charge-offs to loans | 0.6744% | 1,748 |
| Credit loss provision to net charge-offs | 101.1971% | 2,992 |
| Earnings coverage of net charge-offs (x) | 3.0503% | 3,910 |
| Efficiency ratio | 62.6648% | 5,141 |
| Assets per employee ($millions) | 4.9612% | 2,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7551% | 2,741 |
| Loan loss allowance to noncurrent loans | 93.8258% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 1.4058% | 3,292 |
| Noncurrent loans to loans | 1.8706% | 2,834 |
| Net loans and leases to total assets | 69.8297% | 1,877 |
| Net loans and leases to deposits | 83.2531% | 1,844 |
| Net loans and leases to core deposits | 96.9596% | 1,227 |
| Total domestic deposits to total assets | 83.8765% | 4,370 |
| Equity capital to assets | 9.1993% | 5,270 |
| Core capital (leverage) ratio | 8.8944% | 5,047 |
| Tier 1 risk-based capital ratio | 12.8947% | 5,185 |
| Total risk-based capital ratio | 14.1516% | 5,118 |
| Memoranda: | ||
| Average total assets | $271,867,800 | 2,326 |
| Average earning assets | $253,942,600 | 2,280 |
| Average equity | $24,092,000 | 2,739 |
| Average total loans | $185,782,000 | 2,135 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3666% | 4,183 |
| Cost of funding earning assets | 0.7734% | 3,159 |
| Net interest margin | 3.5932% | 4,263 |
| Noninterest income to average assets | 0.3780% | 4,797 |
| Noninterest expense to average assets | 2.3478% | 5,552 |
| Loan and lease loss provision to assets | 0.4506% | 1,390 |
| Net operating income to assets | 0.6617% | 4,084 |
| Return on assets (ROA) | 0.6730% | 4,301 |
| Pretax return on assets | 0.9552% | 3,893 |
| Return on Equity (ROE) | 7.6677% | 3,439 |
| Retained earnings to average equity (ytd only) | 7.6677% | 1,771 |
| Net charge-offs to loans | 0.4274% | 2,387 |
| Credit loss provision to net charge-offs | 155.8574% | 1,804 |
| Earnings coverage of net charge-offs (x) | 4.8065% | 3,199 |
| Efficiency ratio | 62.8185% | 5,003 |
| Assets per employee ($millions) | 5.0532% | 2,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9518% | 2,321 |
| Loan loss allowance to noncurrent loans | 101.0601% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 1.4501% | 3,428 |
| Noncurrent loans to loans | 1.9313% | 2,925 |
| Net loans and leases to total assets | 68.4462% | 2,226 |
| Net loans and leases to deposits | 81.2635% | 2,214 |
| Net loans and leases to core deposits | 94.1149% | 1,576 |
| Total domestic deposits to total assets | 84.2275% | 4,117 |
| Equity capital to assets | 9.0771% | 5,745 |
| Core capital (leverage) ratio | 8.7229% | 5,441 |
| Tier 1 risk-based capital ratio | 12.7710% | 5,429 |
| Total risk-based capital ratio | 14.0300% | 5,379 |
| Memoranda: | ||
| Average total assets | $271,617,750 | 2,350 |
| Average earning assets | $253,951,750 | 2,308 |
| Average equity | $23,839,500 | 2,793 |
| Average total loans | $183,740,750 | 2,184 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3613% | 4,339 |
| Cost of funding earning assets | 0.7892% | 3,282 |
| Net interest margin | 3.5721% | 4,378 |
| Noninterest income to average assets | 0.3606% | 4,954 |
| Noninterest expense to average assets | 2.3606% | 5,590 |
| Loan and lease loss provision to assets | 0.4742% | 1,342 |
| Net operating income to assets | 0.6133% | 4,321 |
| Return on assets (ROA) | 0.6305% | 4,470 |
| Pretax return on assets | 0.8879% | 4,125 |
| Return on Equity (ROE) | 7.2674% | 3,633 |
| Retained earnings to average equity (ytd only) | 7.2674% | 1,969 |
| Net charge-offs to loans | 0.5863% | 1,853 |
| Credit loss provision to net charge-offs | 120.8647% | 2,274 |
| Earnings coverage of net charge-offs (x) | 3.4098% | 3,383 |
| Efficiency ratio | 63.8285% | 4,922 |
| Assets per employee ($millions) | 5.0759% | 2,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8807% | 2,612 |
| Loan loss allowance to noncurrent loans | 82.6641% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 1.6862% | 3,194 |
| Noncurrent loans to loans | 2.2752% | 2,647 |
| Net loans and leases to total assets | 66.6166% | 2,547 |
| Net loans and leases to deposits | 78.7602% | 2,554 |
| Net loans and leases to core deposits | 91.0976% | 1,864 |
| Total domestic deposits to total assets | 84.5815% | 4,061 |
| Equity capital to assets | 8.7625% | 5,957 |
| Core capital (leverage) ratio | 8.5978% | 5,524 |
| Tier 1 risk-based capital ratio | 12.7798% | 5,353 |
| Total risk-based capital ratio | 14.0380% | 5,320 |
| Memoranda: | ||
| Average total assets | $271,199,000 | 2,362 |
| Average earning assets | $253,410,670 | 2,325 |
| Average equity | $23,529,670 | 2,807 |
| Average total loans | $181,491,000 | 2,204 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3890% | 4,369 |
| Cost of funding earning assets | 0.8038% | 3,447 |
| Net interest margin | 3.5853% | 4,328 |
| Noninterest income to average assets | 0.3188% | 5,323 |
| Noninterest expense to average assets | 2.4156% | 5,421 |
| Loan and lease loss provision to assets | 0.5086% | 1,186 |
| Net operating income to assets | 0.5313% | 4,684 |
| Return on assets (ROA) | 0.5057% | 5,014 |
| Pretax return on assets | 0.7058% | 4,769 |
| Return on Equity (ROE) | 5.8577% | 4,368 |
| Retained earnings to average equity (ytd only) | 5.8577% | 3,037 |
| Net charge-offs to loans | 1.0514% | 987 |
| Credit loss provision to net charge-offs | 72.8238% | 2,862 |
| Earnings coverage of net charge-offs (x) | 1.7898% | 3,444 |
| Efficiency ratio | 65.8981% | 4,573 |
| Assets per employee ($millions) | 5.2126% | 1,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8181% | 2,932 |
| Loan loss allowance to noncurrent loans | 83.0405% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 1.6237% | 3,415 |
| Noncurrent loans to loans | 2.1894% | 2,926 |
| Net loans and leases to total assets | 64.9709% | 2,655 |
| Net loans and leases to deposits | 76.1600% | 2,773 |
| Net loans and leases to core deposits | 87.4653% | 2,123 |
| Total domestic deposits to total assets | 85.3085% | 3,876 |
| Equity capital to assets | 8.6565% | 5,924 |
| Core capital (leverage) ratio | 8.6136% | 5,426 |
| Tier 1 risk-based capital ratio | 12.9242% | 5,263 |
| Total risk-based capital ratio | 14.1813% | 5,237 |
| Memoranda: | ||
| Average total assets | $269,748,500 | 2,386 |
| Average earning assets | $251,809,000 | 2,349 |
| Average equity | $23,285,500 | 2,823 |
| Average total loans | $179,188,500 | 2,251 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6336% | 4,534 |
| Cost of funding earning assets | 1.0615% | 2,944 |
| Net interest margin | 3.5720% | 4,840 |
| Noninterest income to average assets | 0.3352% | 5,135 |
| Noninterest expense to average assets | 2.3382% | 5,949 |
| Loan and lease loss provision to assets | 0.5912% | 1,753 |
| Net operating income to assets | 0.5499% | 4,236 |
| Return on assets (ROA) | 0.5812% | 4,274 |
| Pretax return on assets | 0.7942% | 4,002 |
| Return on Equity (ROE) | 6.9120% | 3,434 |
| Retained earnings to average equity (ytd only) | 6.9120% | 1,542 |
| Net charge-offs to loans | 0.4075% | 3,385 |
| Credit loss provision to net charge-offs | 208.2321% | 1,184 |
| Earnings coverage of net charge-offs (x) | 4.7287% | 2,999 |
| Efficiency ratio | 63.5266% | 5,210 |
| Assets per employee ($millions) | 5.1623% | 1,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8932% | 2,587 |
| Loan loss allowance to noncurrent loans | 79.9104% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 1.8194% | 3,231 |
| Noncurrent loans to loans | 2.3692% | 2,765 |
| Net loans and leases to total assets | 65.4220% | 2,895 |
| Net loans and leases to deposits | 76.9683% | 3,011 |
| Net loans and leases to core deposits | 88.5748% | 2,310 |
| Total domestic deposits to total assets | 84.9986% | 3,848 |
| Equity capital to assets | 8.6078% | 6,006 |
| Core capital (leverage) ratio | 8.3617% | 5,762 |
| Tier 1 risk-based capital ratio | 12.5862% | 5,380 |
| Total risk-based capital ratio | 13.8438% | 5,366 |
| Memoranda: | ||
| Average total assets | $261,014,800 | 2,419 |
| Average earning assets | $244,455,400 | 2,352 |
| Average equity | $21,947,200 | 2,898 |
| Average total loans | $181,856,200 | 2,213 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6680% | 4,598 |
| Cost of funding earning assets | 1.1205% | 2,827 |
| Net interest margin | 3.5475% | 4,991 |
| Noninterest income to average assets | 0.3077% | 5,394 |
| Noninterest expense to average assets | 2.3290% | 5,960 |
| Loan and lease loss provision to assets | 0.9163% | 971 |
| Net operating income to assets | 0.3115% | 5,358 |
| Return on assets (ROA) | 0.3185% | 5,502 |
| Pretax return on assets | 0.3972% | 5,482 |
| Return on Equity (ROE) | 3.8108% | 5,073 |
| Retained earnings to average equity (ytd only) | 3.8108% | 4,019 |
| Net charge-offs to loans | 0.4294% | 2,999 |
| Credit loss provision to net charge-offs | 302.8912% | 939 |
| Earnings coverage of net charge-offs (x) | 4.3129% | 3,108 |
| Efficiency ratio | 64.0946% | 5,046 |
| Assets per employee ($millions) | 5.4964% | 1,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0922% | 2,080 |
| Loan loss allowance to noncurrent loans | 89.3617% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 1.7844% | 3,420 |
| Noncurrent loans to loans | 2.3412% | 2,958 |
| Net loans and leases to total assets | 64.3674% | 3,238 |
| Net loans and leases to deposits | 75.2729% | 3,460 |
| Net loans and leases to core deposits | 87.0139% | 2,633 |
| Total domestic deposits to total assets | 85.5120% | 3,487 |
| Equity capital to assets | 8.1373% | 6,613 |
| Core capital (leverage) ratio | 8.0905% | 6,295 |
| Tier 1 risk-based capital ratio | 12.1622% | 5,768 |
| Total risk-based capital ratio | 13.4227% | 5,751 |
| Memoranda: | ||
| Average total assets | $259,158,000 | 2,446 |
| Average earning assets | $242,982,250 | 2,377 |
| Average equity | $21,657,250 | 2,922 |
| Average total loans | $182,568,000 | 2,227 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7308% | 4,392 |
| Cost of funding earning assets | 1.1627% | 2,829 |
| Net interest margin | 3.5681% | 4,845 |
| Noninterest income to average assets | 0.2883% | 5,576 |
| Noninterest expense to average assets | 2.3329% | 6,043 |
| Loan and lease loss provision to assets | 1.3736% | 536 |
| Net operating income to assets | 0.0016% | 6,220 |
| Return on assets (ROA) | 0.0016% | 6,300 |
| Pretax return on assets | -0.0780% | 6,341 |
| Return on Equity (ROE) | 0.0187% | 6,300 |
| Retained earnings to average equity (ytd only) | 0.0187% | 5,825 |
| Net charge-offs to loans | 0.5240% | 2,527 |
| Credit loss provision to net charge-offs | 363.3333% | 841 |
| Earnings coverage of net charge-offs (x) | 3.4271% | 3,174 |
| Efficiency ratio | 64.2935% | 5,184 |
| Assets per employee ($millions) | 4.9482% | 2,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1043% | 2,113 |
| Loan loss allowance to noncurrent loans | 87.2847% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 1.9046% | 3,369 |
| Noncurrent loans to loans | 2.4109% | 2,979 |
| Net loans and leases to total assets | 68.3120% | 2,557 |
| Net loans and leases to deposits | 80.2801% | 2,742 |
| Net loans and leases to core deposits | 90.4393% | 2,312 |
| Total domestic deposits to total assets | 85.0921% | 3,838 |
| Equity capital to assets | 8.2240% | 6,499 |
| Core capital (leverage) ratio | 8.1095% | 6,150 |
| Tier 1 risk-based capital ratio | 11.7323% | 5,987 |
| Total risk-based capital ratio | 12.9933% | 5,983 |
| Memoranda: | ||
| Average total assets | $253,937,000 | 2,505 |
| Average earning assets | $237,719,000 | 2,448 |
| Average equity | $21,422,000 | 2,940 |
| Average total loans | $183,199,000 | 2,247 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7852% | 4,124 |
| Cost of funding earning assets | 1.1907% | 2,882 |
| Net interest margin | 3.5944% | 4,590 |
| Noninterest income to average assets | 0.2851% | 5,634 |
| Noninterest expense to average assets | 2.3829% | 5,940 |
| Loan and lease loss provision to assets | 0.5717% | 1,510 |
| Net operating income to assets | 0.5109% | 4,448 |
| Return on assets (ROA) | 0.5109% | 4,529 |
| Pretax return on assets | 0.6950% | 4,318 |
| Return on Equity (ROE) | 5.9769% | 3,917 |
| Retained earnings to average equity (ytd only) | 5.9769% | 2,653 |
| Net charge-offs to loans | 0.3273% | 2,744 |
| Credit loss provision to net charge-offs | 238.0000% | 1,298 |
| Earnings coverage of net charge-offs (x) | 5.2733% | 2,307 |
| Efficiency ratio | 65.2918% | 5,153 |
| Assets per employee ($millions) | 4.7921% | 2,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5373% | 4,019 |
| Loan loss allowance to noncurrent loans | 99.5014% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 1.4686% | 4,053 |
| Noncurrent loans to loans | 1.5450% | 4,150 |
| Net loans and leases to total assets | 70.4593% | 2,045 |
| Net loans and leases to deposits | 83.5621% | 2,096 |
| Net loans and leases to core deposits | 94.8166% | 1,787 |
| Total domestic deposits to total assets | 84.3198% | 4,360 |
| Equity capital to assets | 8.4990% | 5,906 |
| Core capital (leverage) ratio | 8.6483% | 5,173 |
| Tier 1 risk-based capital ratio | 11.9069% | 5,773 |
| Total risk-based capital ratio | 13.1605% | 5,764 |
| Memoranda: | ||
| Average total assets | $249,777,000 | 2,571 |
| Average earning assets | $233,805,500 | 2,507 |
| Average equity | $21,349,000 | 2,938 |
| Average total loans | $183,296,500 | 2,269 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1523% | 3,837 |
| Cost of funding earning assets | 1.4638% | 2,872 |
| Net interest margin | 3.6886% | 4,398 |
| Noninterest income to average assets | 0.4776% | 4,332 |
| Noninterest expense to average assets | 2.5626% | 5,568 |
| Loan and lease loss provision to assets | 0.4408% | 3,473 |
| Net operating income to assets | 0.6391% | 3,491 |
| Return on assets (ROA) | 0.6391% | 3,645 |
| Pretax return on assets | 0.9197% | 3,201 |
| Return on Equity (ROE) | 7.5195% | 2,890 |
| Retained earnings to average equity (ytd only) | 7.5195% | 1,141 |
| Net charge-offs to loans | 0.6696% | 3,001 |
| Credit loss provision to net charge-offs | 84.5219% | 5,364 |
| Earnings coverage of net charge-offs (x) | 2.6086% | 3,795 |
| Efficiency ratio | 65.3200% | 5,106 |
| Assets per employee ($millions) | 4.9114% | 2,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3996% | 4,505 |
| Loan loss allowance to noncurrent loans | 77.5712% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 1.5967% | 3,913 |
| Noncurrent loans to loans | 1.8042% | 3,812 |
| Net loans and leases to total assets | 74.2177% | 1,615 |
| Net loans and leases to deposits | 87.8915% | 1,808 |
| Net loans and leases to core deposits | 100.9818% | 1,536 |
| Total domestic deposits to total assets | 84.4424% | 4,153 |
| Equity capital to assets | 8.5971% | 5,730 |
| Core capital (leverage) ratio | 8.5557% | 5,266 |
| Tier 1 risk-based capital ratio | 11.6976% | 5,728 |
| Total risk-based capital ratio | 12.9495% | 5,731 |
| Memoranda: | ||
| Average total assets | $236,596,200 | 2,678 |
| Average earning assets | $221,007,400 | 2,620 |
| Average equity | $20,107,600 | 3,134 |
| Average total loans | $184,298,600 | 2,304 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1891% | 3,885 |
| Cost of funding earning assets | 1.5079% | 2,931 |
| Net interest margin | 3.6813% | 4,502 |
| Noninterest income to average assets | 0.5217% | 4,015 |
| Noninterest expense to average assets | 2.5391% | 5,564 |
| Loan and lease loss provision to assets | 0.3573% | 3,759 |
| Net operating income to assets | 0.7288% | 3,286 |
| Return on assets (ROA) | 0.7288% | 3,442 |
| Pretax return on assets | 1.0616% | 2,963 |
| Return on Equity (ROE) | 8.6015% | 2,648 |
| Retained earnings to average equity (ytd only) | 8.6015% | 1,205 |
| Net charge-offs to loans | 0.3490% | 3,912 |
| Credit loss provision to net charge-offs | 130.2905% | 3,101 |
| Earnings coverage of net charge-offs (x) | 5.1743% | 2,824 |
| Efficiency ratio | 64.1512% | 5,215 |
| Assets per employee ($millions) | 5.0732% | 2,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5967% | 3,534 |
| Loan loss allowance to noncurrent loans | 76.2650% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 1.7995% | 3,746 |
| Noncurrent loans to loans | 2.0937% | 3,576 |
| Net loans and leases to total assets | 73.9995% | 1,803 |
| Net loans and leases to deposits | 88.0528% | 2,001 |
| Net loans and leases to core deposits | 101.0537% | 1,742 |
| Total domestic deposits to total assets | 84.0400% | 4,110 |
| Equity capital to assets | 8.7210% | 5,978 |
| Core capital (leverage) ratio | 8.6025% | 5,341 |
| Tier 1 risk-based capital ratio | 11.6039% | 5,827 |
| Total risk-based capital ratio | 12.8583% | 5,813 |
| Memoranda: | ||
| Average total assets | $234,352,250 | 2,728 |
| Average earning assets | $218,759,250 | 2,683 |
| Average equity | $19,856,500 | 3,206 |
| Average total loans | $184,162,000 | 2,339 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2448% | 3,740 |
| Cost of funding earning assets | 1.5571% | 2,919 |
| Net interest margin | 3.6877% | 4,418 |
| Noninterest income to average assets | 0.4617% | 4,422 |
| Noninterest expense to average assets | 2.5863% | 5,376 |
| Loan and lease loss provision to assets | 0.3934% | 3,354 |
| Net operating income to assets | 0.6347% | 3,710 |
| Return on assets (ROA) | 0.6347% | 3,847 |
| Pretax return on assets | 0.9183% | 3,424 |
| Return on Equity (ROE) | 7.5684% | 3,079 |
| Retained earnings to average equity (ytd only) | 7.5684% | 1,614 |
| Net charge-offs to loans | 0.2385% | 4,171 |
| Credit loss provision to net charge-offs | 206.8182% | 1,878 |
| Earnings coverage of net charge-offs (x) | 6.8955% | 2,389 |
| Efficiency ratio | 66.3487% | 4,923 |
| Assets per employee ($millions) | 4.8761% | 2,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6421% | 3,281 |
| Loan loss allowance to noncurrent loans | 73.2555% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 2.0543% | 3,441 |
| Noncurrent loans to loans | 2.2416% | 3,438 |
| Net loans and leases to total assets | 77.1063% | 1,274 |
| Net loans and leases to deposits | 92.6370% | 1,439 |
| Net loans and leases to core deposits | 103.4307% | 1,691 |
| Total domestic deposits to total assets | 83.2349% | 4,472 |
| Equity capital to assets | 8.8314% | 5,704 |
| Core capital (leverage) ratio | 8.7251% | 5,041 |
| Tier 1 risk-based capital ratio | 11.3239% | 5,920 |
| Total risk-based capital ratio | 12.5789% | 5,899 |
| Memoranda: | ||
| Average total assets | $231,298,000 | 2,789 |
| Average earning assets | $215,529,670 | 2,738 |
| Average equity | $19,396,330 | 3,253 |
| Average total loans | $184,508,000 | 2,369 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2675% | 3,698 |
| Cost of funding earning assets | 1.5965% | 2,987 |
| Net interest margin | 3.6710% | 4,392 |
| Noninterest income to average assets | 0.4228% | 4,718 |
| Noninterest expense to average assets | 2.5870% | 5,401 |
| Loan and lease loss provision to assets | 0.5654% | 2,233 |
| Net operating income to assets | 0.4871% | 4,462 |
| Return on assets (ROA) | 0.4871% | 4,597 |
| Pretax return on assets | 0.6907% | 4,266 |
| Return on Equity (ROE) | 5.9703% | 3,895 |
| Retained earnings to average equity (ytd only) | 5.9703% | 2,634 |
| Net charge-offs to loans | 0.3200% | 3,132 |
| Credit loss provision to net charge-offs | 219.5946% | 1,713 |
| Earnings coverage of net charge-offs (x) | 4.8784% | 2,522 |
| Efficiency ratio | 67.3155% | 4,846 |
| Assets per employee ($millions) | 4.8409% | 2,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5977% | 3,453 |
| Loan loss allowance to noncurrent loans | 77.5998% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 1.8652% | 3,681 |
| Noncurrent loans to loans | 2.0589% | 3,709 |
| Net loans and leases to total assets | 78.3233% | 1,088 |
| Net loans and leases to deposits | 94.3982% | 1,304 |
| Net loans and leases to core deposits | 107.1170% | 1,487 |
| Total domestic deposits to total assets | 82.9712% | 4,643 |
| Equity capital to assets | 8.6747% | 5,766 |
| Core capital (leverage) ratio | 8.7133% | 5,002 |
| Tier 1 risk-based capital ratio | 11.0883% | 6,073 |
| Total risk-based capital ratio | 12.3430% | 6,038 |
| Memoranda: | ||
| Average total assets | $229,921,500 | 2,879 |
| Average earning assets | $214,218,500 | 2,815 |
| Average equity | $18,759,500 | 3,358 |
| Average total loans | $185,021,500 | 2,429 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7958% | 2,672 |
| Cost of funding earning assets | 2.0422% | 2,763 |
| Net interest margin | 3.7536% | 3,898 |
| Noninterest income to average assets | 0.3069% | 5,889 |
| Noninterest expense to average assets | 2.6503% | 5,594 |
| Loan and lease loss provision to assets | 0.5603% | 3,574 |
| Net operating income to assets | 0.4243% | 4,033 |
| Return on assets (ROA) | 0.4278% | 4,119 |
| Pretax return on assets | 0.6036% | 3,894 |
| Return on Equity (ROE) | 5.5007% | 3,425 |
| Retained earnings to average equity (ytd only) | 5.5007% | 1,576 |
| Net charge-offs to loans | 0.2933% | 4,800 |
| Credit loss provision to net charge-offs | 227.6636% | 1,632 |
| Earnings coverage of net charge-offs (x) | 4.7084% | 2,843 |
| Efficiency ratio | 69.5773% | 4,718 |
| Assets per employee ($millions) | 4.6424% | 2,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5009% | 3,721 |
| Loan loss allowance to noncurrent loans | 64.8914% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 2.2037% | 3,120 |
| Noncurrent loans to loans | 2.3129% | 3,275 |
| Net loans and leases to total assets | 80.1458% | 965 |
| Net loans and leases to deposits | 96.2923% | 1,298 |
| Net loans and leases to core deposits | 105.2020% | 3,434 |
| Total domestic deposits to total assets | 83.2318% | 4,407 |
| Equity capital to assets | 7.6324% | 6,916 |
| Core capital (leverage) ratio | 7.5497% | 6,741 |
| Tier 1 risk-based capital ratio | 9.4747% | 7,248 |
| Total risk-based capital ratio | 10.7283% | 7,213 |
| Memoranda: | ||
| Average total assets | $217,367,600 | 2,977 |
| Average earning assets | $202,819,000 | 2,936 |
| Average equity | $16,906,800 | 3,689 |
| Average total loans | $182,393,800 | 2,482 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8295% | 2,753 |
| Cost of funding earning assets | 2.1441% | 2,686 |
| Net interest margin | 3.6854% | 4,137 |
| Noninterest income to average assets | 0.3544% | 5,664 |
| Noninterest expense to average assets | 2.6599% | 5,492 |
| Loan and lease loss provision to assets | 0.3091% | 4,499 |
| Net operating income to assets | 0.5778% | 3,691 |
| Return on assets (ROA) | 0.5778% | 3,756 |
| Pretax return on assets | 0.8266% | 3,454 |
| Return on Equity (ROE) | 7.3918% | 2,908 |
| Retained earnings to average equity (ytd only) | 7.3918% | 1,353 |
| Net charge-offs to loans | 0.2627% | 4,403 |
| Credit loss provision to net charge-offs | 139.1061% | 3,551 |
| Earnings coverage of net charge-offs (x) | 5.1117% | 2,920 |
| Efficiency ratio | 70.0785% | 4,574 |
| Assets per employee ($millions) | 4.5536% | 2,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2222% | 4,997 |
| Loan loss allowance to noncurrent loans | 57.0590% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 2.0118% | 3,327 |
| Noncurrent loans to loans | 2.1419% | 3,456 |
| Net loans and leases to total assets | 80.9567% | 990 |
| Net loans and leases to deposits | 95.7540% | 1,610 |
| Net loans and leases to core deposits | 108.1341% | 3,454 |
| Total domestic deposits to total assets | 84.5465% | 3,454 |
| Equity capital to assets | 7.7839% | 7,051 |
| Core capital (leverage) ratio | 7.7405% | 6,678 |
| Tier 1 risk-based capital ratio | 9.6013% | 7,303 |
| Total risk-based capital ratio | 10.8513% | 7,265 |
| Memoranda: | ||
| Average total assets | $214,840,000 | 3,028 |
| Average earning assets | $200,606,000 | 2,978 |
| Average equity | $16,793,000 | 3,746 |
| Average total loans | $181,719,250 | 2,520 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8598% | 2,761 |
| Cost of funding earning assets | 2.2594% | 2,533 |
| Net interest margin | 3.6004% | 4,355 |
| Noninterest income to average assets | 0.3725% | 5,528 |
| Noninterest expense to average assets | 2.7235% | 5,286 |
| Loan and lease loss provision to assets | 0.1858% | 5,170 |
| Net operating income to assets | 0.5734% | 3,798 |
| Return on assets (ROA) | 0.5734% | 3,902 |
| Pretax return on assets | 0.8205% | 3,606 |
| Return on Equity (ROE) | 7.3247% | 3,050 |
| Retained earnings to average equity (ytd only) | 7.3247% | 1,456 |
| Net charge-offs to loans | 0.3000% | 3,688 |
| Credit loss provision to net charge-offs | 72.4265% | 5,376 |
| Earnings coverage of net charge-offs (x) | 3.9228% | 3,274 |
| Efficiency ratio | 73.0215% | 4,189 |
| Assets per employee ($millions) | 4.3437% | 3,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1179% | 5,470 |
| Loan loss allowance to noncurrent loans | 71.0267% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 1.6382% | 3,750 |
| Noncurrent loans to loans | 1.5739% | 4,138 |
| Net loans and leases to total assets | 82.2710% | 905 |
| Net loans and leases to deposits | 97.9847% | 1,518 |
| Net loans and leases to core deposits | 111.2473% | 3,232 |
| Total domestic deposits to total assets | 83.9631% | 3,793 |
| Equity capital to assets | 7.7937% | 6,990 |
| Core capital (leverage) ratio | 7.7313% | 6,702 |
| Tier 1 risk-based capital ratio | 9.4192% | 7,459 |
| Total risk-based capital ratio | 10.5561% | 7,522 |
| Memoranda: | ||
| Average total assets | $212,077,330 | 3,086 |
| Average earning assets | $197,753,670 | 3,029 |
| Average equity | $16,601,330 | 3,794 |
| Average total loans | $181,335,000 | 2,558 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9015% | 2,786 |
| Cost of funding earning assets | 2.3929% | 2,321 |
| Net interest margin | 3.5085% | 4,692 |
| Noninterest income to average assets | 0.3379% | 5,755 |
| Noninterest expense to average assets | 2.7510% | 4,773 |
| Loan and lease loss provision to assets | 0.1642% | 4,830 |
| Net operating income to assets | 0.4811% | 4,510 |
| Return on assets (ROA) | 0.4811% | 4,701 |
| Pretax return on assets | 0.6949% | 4,451 |
| Return on Equity (ROE) | 6.1319% | 3,985 |
| Retained earnings to average equity (ytd only) | 6.1319% | 2,571 |
| Net charge-offs to loans | 0.0110% | 5,470 |
| Credit loss provision to net charge-offs | 1,720.0000% | 369 |
| Earnings coverage of net charge-offs (x) | 90.0000% | 476 |
| Efficiency ratio | 76.2031% | 3,454 |
| Assets per employee ($millions) | 4.2499% | 3,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1962% | 4,833 |
| Loan loss allowance to noncurrent loans | 64.9165% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 1.7092% | 3,354 |
| Noncurrent loans to loans | 1.8427% | 3,502 |
| Net loans and leases to total assets | 84.5795% | 609 |
| Net loans and leases to deposits | 101.3083% | 1,250 |
| Net loans and leases to core deposits | 106.4285% | 3,858 |
| Total domestic deposits to total assets | 83.4872% | 3,922 |
| Equity capital to assets | 7.8067% | 7,061 |
| Core capital (leverage) ratio | 7.8191% | 6,722 |
| Tier 1 risk-based capital ratio | 9.2716% | 7,611 |
| Total risk-based capital ratio | 10.5052% | 7,606 |
| Memoranda: | ||
| Average total assets | $209,522,500 | 3,118 |
| Average earning assets | $195,409,500 | 3,076 |
| Average equity | $16,438,500 | 3,855 |
| Average total loans | $181,651,500 | 2,572 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5658% | 2,640 |
| Cost of funding earning assets | 2.7774% | 2,797 |
| Net interest margin | 3.7884% | 4,069 |
| Noninterest income to average assets | 0.3438% | 5,988 |
| Noninterest expense to average assets | 2.7274% | 5,144 |
| Loan and lease loss provision to assets | 0.4007% | 3,281 |
| Net operating income to assets | 0.5144% | 4,667 |
| Return on assets (ROA) | 0.5307% | 4,465 |
| Pretax return on assets | 0.7455% | 4,259 |
| Return on Equity (ROE) | 6.8431% | 3,607 |
| Retained earnings to average equity (ytd only) | 6.8431% | 1,207 |
| Net charge-offs to loans | 0.4052% | 2,786 |
| Credit loss provision to net charge-offs | 115.5198% | 4,672 |
| Earnings coverage of net charge-offs (x) | 3.2387% | 4,469 |
| Efficiency ratio | 70.8295% | 4,170 |
| Assets per employee ($millions) | 4.2153% | 3,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 4,881 |
| Loan loss allowance to noncurrent loans | 95.0544% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 1.2026% | 3,841 |
| Noncurrent loans to loans | 1.2150% | 4,083 |
| Net loans and leases to total assets | 86.8094% | 494 |
| Net loans and leases to deposits | 104.5425% | 1,286 |
| Net loans and leases to core deposits | 105.2037% | 4,278 |
| Total domestic deposits to total assets | 83.0374% | 3,759 |
| Equity capital to assets | 7.8858% | 6,987 |
| Core capital (leverage) ratio | 7.8423% | 6,735 |
| Tier 1 risk-based capital ratio | 9.1843% | 7,633 |
| Total risk-based capital ratio | 10.3792% | 7,653 |
| Memoranda: | ||
| Average total assets | $196,926,400 | 3,179 |
| Average earning assets | $182,291,800 | 3,155 |
| Average equity | $15,270,800 | 4,084 |
| Average total loans | $168,573,000 | 2,633 |