Home > Resource Bank > Performance and Condition Ratios
Resource 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 | 4.1009% | 3,809 |
| Cost of funding earning assets | 0.9097% | 3,501 |
| Net interest margin | 3.1912% | 2,898 |
| Noninterest income to average assets | 1.0000% | 640 |
| Noninterest expense to average assets | 2.9272% | 1,222 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.0602% | 2,041 |
| Return on assets (ROA) | 0.9920% | 2,227 |
| Pretax return on assets | 1.0045% | 2,675 |
| Return on Equity (ROE) | 19.3700% | 674 |
| Retained earnings to average equity (ytd only) | 11.2966% | 729 |
| Net charge-offs to loans | 0.0163% | 2,051 |
| Credit loss provision to net charge-offs | 293.0556% | 971 |
| Earnings coverage of net charge-offs (x) | 116.4583% | 834 |
| Efficiency ratio | 72.6668% | 1,595 |
| Assets per employee ($millions) | 4.9257% | 3,691 |
| Cash dividends to net income (ytd only)* | 41.6942% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0021% | 3,293 |
| Loan loss allowance to noncurrent loans | 203.3362% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.3315% | 1,622 |
| Noncurrent loans to loans | 0.4928% | 1,554 |
| Net loans and leases to total assets | 59.2200% | 2,922 |
| Net loans and leases to deposits | 67.2985% | 3,085 |
| Net loans and leases to core deposits | 69.4234% | 3,341 |
| Total domestic deposits to total assets | 88.0000% | 1,358 |
| Equity capital to assets | 5.8020% | 4,273 |
| Core capital (leverage) ratio | 8.3551% | 4,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0631% | 2,221 |
| Memoranda: | ||
| Average total assets | $761,559,400 | 1,226 |
| Average earning assets | $722,427,800 | 1,199 |
| Average equity | $38,994,000 | 1,916 |
| Average total loans | $442,750,200 | 1,363 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0329% | 3,794 |
| Cost of funding earning assets | 0.8247% | 3,465 |
| Net interest margin | 3.2083% | 2,897 |
| Noninterest income to average assets | 1.0000% | 646 |
| Noninterest expense to average assets | 2.9081% | 1,212 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.0796% | 2,118 |
| Return on assets (ROA) | 0.9884% | 2,386 |
| Pretax return on assets | 1.0013% | 2,859 |
| Return on Equity (ROE) | 20.0000% | 725 |
| Retained earnings to average equity (ytd only) | 11.4105% | 1,087 |
| Net charge-offs to loans | 0.0193% | 1,739 |
| Credit loss provision to net charge-offs | 357.1429% | 782 |
| Earnings coverage of net charge-offs (x) | 101.6825% | 911 |
| Efficiency ratio | 71.9589% | 1,574 |
| Assets per employee ($millions) | 4.5298% | 3,918 |
| Cash dividends to net income (ytd only)* | 42.9569% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0614% | 3,062 |
| Loan loss allowance to noncurrent loans | 185.0116% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.3924% | 1,471 |
| Noncurrent loans to loans | 0.5737% | 1,396 |
| Net loans and leases to total assets | 59.5800% | 2,888 |
| Net loans and leases to deposits | 62.6677% | 3,360 |
| Net loans and leases to core deposits | 64.1094% | 3,519 |
| Total domestic deposits to total assets | 95.0700% | 120 |
| Equity capital to assets | 4.5321% | 4,329 |
| Core capital (leverage) ratio | 8.2355% | 4,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1628% | 2,216 |
| Memoranda: | ||
| Average total assets | $753,690,250 | 1,236 |
| Average earning assets | $715,091,500 | 1,206 |
| Average equity | $37,239,500 | 1,957 |
| Average total loans | $434,838,500 | 1,377 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9125% | 3,843 |
| Cost of funding earning assets | 0.7203% | 3,425 |
| Net interest margin | 3.1923% | 3,009 |
| Noninterest income to average assets | 0.9900% | 576 |
| Noninterest expense to average assets | 2.8958% | 1,219 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.0725% | 2,201 |
| Return on assets (ROA) | 0.9410% | 2,601 |
| Pretax return on assets | 0.9513% | 3,046 |
| Return on Equity (ROE) | 18.5400% | 887 |
| Retained earnings to average equity (ytd only) | 9.9370% | 1,413 |
| Net charge-offs to loans | 0.0088% | 1,872 |
| Credit loss provision to net charge-offs | 789.4737% | 483 |
| Earnings coverage of net charge-offs (x) | 223.5263% | 548 |
| Efficiency ratio | 72.0408% | 1,558 |
| Assets per employee ($millions) | 4.5645% | 3,905 |
| Cash dividends to net income (ytd only)* | 46.4004% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0790% | 3,042 |
| Loan loss allowance to noncurrent loans | 172.3312% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.4123% | 1,294 |
| Noncurrent loans to loans | 0.6261% | 1,194 |
| Net loans and leases to total assets | 57.7700% | 2,982 |
| Net loans and leases to deposits | 61.1008% | 3,360 |
| Net loans and leases to core deposits | 62.4196% | 3,521 |
| Total domestic deposits to total assets | 94.5500% | 117 |
| Equity capital to assets | 5.0947% | 4,363 |
| Core capital (leverage) ratio | 8.0788% | 4,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2219% | 2,210 |
| Memoranda: | ||
| Average total assets | $755,783,667 | 1,230 |
| Average earning assets | $717,487,000 | 1,205 |
| Average equity | $38,361,667 | 1,926 |
| Average total loans | $429,756,000 | 1,377 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7397% | 3,966 |
| Cost of funding earning assets | 0.5576% | 3,509 |
| Net interest margin | 3.1821% | 3,152 |
| Noninterest income to average assets | 0.9700% | 606 |
| Noninterest expense to average assets | 2.8392% | 1,353 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.1090% | 2,198 |
| Return on assets (ROA) | 0.8533% | 2,959 |
| Pretax return on assets | 0.8517% | 3,344 |
| Return on Equity (ROE) | 16.8400% | 1,205 |
| Retained earnings to average equity (ytd only) | 9.0205% | 1,947 |
| Net charge-offs to loans | 0.0038% | 1,856 |
| Credit loss provision to net charge-offs | 1,875.0000% | 209 |
| Earnings coverage of net charge-offs (x) | 542.7500% | 213 |
| Efficiency ratio | 71.2260% | 1,608 |
| Assets per employee ($millions) | 4.6640% | 3,924 |
| Cash dividends to net income (ytd only)* | 46.4396% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0934% | 3,092 |
| Loan loss allowance to noncurrent loans | 148.1505% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.4651% | 1,088 |
| Noncurrent loans to loans | 0.7380% | 1,036 |
| Net loans and leases to total assets | 56.1000% | 3,035 |
| Net loans and leases to deposits | 59.5535% | 3,359 |
| Net loans and leases to core deposits | 60.6907% | 3,508 |
| Total domestic deposits to total assets | 94.2100% | 150 |
| Equity capital to assets | 5.5187% | 4,335 |
| Core capital (leverage) ratio | 8.0714% | 4,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1964% | 2,306 |
| Memoranda: | ||
| Average total assets | $757,101,500 | 1,246 |
| Average earning assets | $718,141,000 | 1,215 |
| Average equity | $38,357,000 | 1,949 |
| Average total loans | $424,700,000 | 1,405 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2616% | 3,682 |
| Cost of funding earning assets | 0.2234% | 3,569 |
| Net interest margin | 3.0382% | 3,332 |
| Noninterest income to average assets | 1.0200% | 618 |
| Noninterest expense to average assets | 2.7382% | 1,468 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.0981% | 2,179 |
| Return on assets (ROA) | 1.0930% | 2,147 |
| Pretax return on assets | 1.1096% | 2,738 |
| Return on Equity (ROE) | 20.1600% | 464 |
| Retained earnings to average equity (ytd only) | 12.8692% | 528 |
| Net charge-offs to loans | 0.0029% | 2,388 |
| Credit loss provision to net charge-offs | 2,727.2727% | 205 |
| Earnings coverage of net charge-offs (x) | 796.5455% | 231 |
| Efficiency ratio | 70.3466% | 1,639 |
| Assets per employee ($millions) | 4.9263% | 3,731 |
| Cash dividends to net income (ytd only)* | 36.1576% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0967% | 2,912 |
| Loan loss allowance to noncurrent loans | 151.4108% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.4480% | 1,134 |
| Noncurrent loans to loans | 0.7243% | 1,038 |
| Net loans and leases to total assets | 54.8600% | 3,129 |
| Net loans and leases to deposits | 58.1848% | 3,447 |
| Net loans and leases to core deposits | 59.2121% | 3,546 |
| Total domestic deposits to total assets | 94.2900% | 211 |
| Equity capital to assets | 4.6208% | 4,448 |
| Core capital (leverage) ratio | 7.7625% | 4,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9324% | 2,401 |
| Memoranda: | ||
| Average total assets | $759,105,600 | 1,233 |
| Average earning assets | $718,952,600 | 1,203 |
| Average equity | $41,160,200 | 1,884 |
| Average total loans | $382,010,000 | 1,448 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1094% | 3,654 |
| Cost of funding earning assets | 0.1630% | 3,707 |
| Net interest margin | 2.9464% | 3,369 |
| Noninterest income to average assets | 1.0100% | 645 |
| Noninterest expense to average assets | 2.6630% | 1,554 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.0367% | 2,334 |
| Return on assets (ROA) | 1.0342% | 2,315 |
| Pretax return on assets | 1.0999% | 2,725 |
| Return on Equity (ROE) | 18.3900% | 594 |
| Retained earnings to average equity (ytd only) | 11.3663% | 951 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.9866% | 1,762 |
| Assets per employee ($millions) | 5.0175% | 3,657 |
| Cash dividends to net income (ytd only)* | 38.2068% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1614% | 2,735 |
| Loan loss allowance to noncurrent loans | 164.5336% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.4087% | 1,329 |
| Noncurrent loans to loans | 0.7059% | 1,158 |
| Net loans and leases to total assets | 50.7800% | 3,399 |
| Net loans and leases to deposits | 53.2384% | 3,652 |
| Net loans and leases to core deposits | 54.2077% | 3,730 |
| Total domestic deposits to total assets | 95.3900% | 180 |
| Equity capital to assets | 4.2664% | 4,443 |
| Core capital (leverage) ratio | 7.6696% | 4,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6466% | 2,204 |
| Memoranda: | ||
| Average total assets | $759,221,250 | 1,235 |
| Average earning assets | $719,057,500 | 1,209 |
| Average equity | $42,686,500 | 1,860 |
| Average total loans | $372,309,250 | 1,475 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9799% | 3,606 |
| Cost of funding earning assets | 0.1340% | 3,784 |
| Net interest margin | 2.8459% | 3,305 |
| Noninterest income to average assets | 1.0321% | 624 |
| Noninterest expense to average assets | 2.6683% | 1,466 |
| Loan and lease loss provision to assets | 0.0396% | 1,871 |
| Net operating income to assets | 0.9562% | 2,333 |
| Return on assets (ROA) | 0.9569% | 2,303 |
| Pretax return on assets | 1.0194% | 2,655 |
| Return on Equity (ROE) | 15.7458% | 747 |
| Retained earnings to average equity (ytd only) | 9.2339% | 1,217 |
| Net charge-offs to loans | -0.0005% | 2,989 |
| Credit loss provision to net charge-offs | -15,000.0000% | 3,870 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6035% | 1,765 |
| Assets per employee ($millions) | 5.0376% | 3,648 |
| Cash dividends to net income (ytd only)* | 41.3565% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1946% | 2,709 |
| Loan loss allowance to noncurrent loans | 165.5083% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 0.4124% | 1,371 |
| Noncurrent loans to loans | 0.7218% | 1,198 |
| Net loans and leases to total assets | 49.0055% | 3,465 |
| Net loans and leases to deposits | 51.6274% | 3,717 |
| Net loans and leases to core deposits | 52.6179% | 3,780 |
| Total domestic deposits to total assets | 94.9215% | 149 |
| Equity capital to assets | 4.8041% | 4,516 |
| Core capital (leverage) ratio | 7.5094% | 4,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4202% | 2,332 |
| Memoranda: | ||
| Average total assets | $758,073,333 | 1,242 |
| Average earning assets | $717,740,333 | 1,222 |
| Average equity | $46,069,333 | 1,799 |
| Average total loans | $365,792,000 | 1,487 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8053% | 3,737 |
| Cost of funding earning assets | 0.1196% | 3,903 |
| Net interest margin | 2.6857% | 3,436 |
| Noninterest income to average assets | 1.0109% | 663 |
| Noninterest expense to average assets | 2.7046% | 1,350 |
| Loan and lease loss provision to assets | 0.0395% | 1,645 |
| Net operating income to assets | 0.7440% | 2,879 |
| Return on assets (ROA) | 0.7454% | 2,866 |
| Pretax return on assets | 0.8118% | 3,077 |
| Return on Equity (ROE) | 11.1083% | 1,579 |
| Retained earnings to average equity (ytd only) | 5.2205% | 2,504 |
| Net charge-offs to loans | -0.0144% | 3,744 |
| Credit loss provision to net charge-offs | -576.9231% | 3,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0931% | 1,513 |
| Assets per employee ($millions) | 5.1593% | 3,616 |
| Cash dividends to net income (ytd only)* | 53.0035% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2129% | 2,790 |
| Loan loss allowance to noncurrent loans | 114.0863% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 0.5684% | 1,049 |
| Noncurrent loans to loans | 1.0631% | 846 |
| Net loans and leases to total assets | 47.0817% | 3,479 |
| Net loans and leases to deposits | 50.2241% | 3,717 |
| Net loans and leases to core deposits | 51.3185% | 3,781 |
| Total domestic deposits to total assets | 93.7433% | 137 |
| Equity capital to assets | 5.7687% | 4,624 |
| Core capital (leverage) ratio | 7.5405% | 4,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5834% | 2,386 |
| Memoranda: | ||
| Average total assets | $759,290,000 | 1,242 |
| Average earning assets | $719,056,000 | 1,230 |
| Average equity | $50,953,000 | 1,716 |
| Average total loans | $361,297,000 | 1,489 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3088% | 3,179 |
| Cost of funding earning assets | 0.1513% | 3,959 |
| Net interest margin | 3.1575% | 2,721 |
| Noninterest income to average assets | 1.0856% | 875 |
| Noninterest expense to average assets | 2.9577% | 1,051 |
| Loan and lease loss provision to assets | 0.0532% | 1,993 |
| Net operating income to assets | 1.0180% | 2,598 |
| Return on assets (ROA) | 1.2791% | 1,715 |
| Pretax return on assets | 1.3409% | 2,236 |
| Return on Equity (ROE) | 15.5463% | 833 |
| Retained earnings to average equity (ytd only) | 9.8586% | 954 |
| Net charge-offs to loans | 0.1355% | 684 |
| Credit loss provision to net charge-offs | 79.2812% | 1,955 |
| Earnings coverage of net charge-offs (x) | 16.6871% | 1,968 |
| Efficiency ratio | 72.5470% | 1,452 |
| Assets per employee ($millions) | 4.9346% | 3,793 |
| Cash dividends to net income (ytd only)* | 36.5854% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2061% | 2,859 |
| Loan loss allowance to noncurrent loans | 104.1406% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 0.6201% | 1,054 |
| Noncurrent loans to loans | 1.1582% | 834 |
| Net loans and leases to total assets | 46.9334% | 3,608 |
| Net loans and leases to deposits | 51.0697% | 3,794 |
| Net loans and leases to core deposits | 52.3778% | 3,865 |
| Total domestic deposits to total assets | 91.9008% | 203 |
| Equity capital to assets | 7.6632% | 4,525 |
| Core capital (leverage) ratio | 7.6293% | 4,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8407% | 2,306 |
| Memoranda: | ||
| Average total assets | $705,200,000 | 1,278 |
| Average earning assets | $668,090,200 | 1,265 |
| Average equity | $58,020,200 | 1,559 |
| Average total loans | $349,037,400 | 1,520 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4090% | 3,076 |
| Cost of funding earning assets | 0.1600% | 4,014 |
| Net interest margin | 3.2490% | 2,585 |
| Noninterest income to average assets | 1.0741% | 956 |
| Noninterest expense to average assets | 2.9663% | 1,025 |
| Loan and lease loss provision to assets | 0.0577% | 1,836 |
| Net operating income to assets | 1.1206% | 2,476 |
| Return on assets (ROA) | 1.4903% | 1,345 |
| Pretax return on assets | 1.5026% | 1,982 |
| Return on Equity (ROE) | 17.7809% | 652 |
| Retained earnings to average equity (ytd only) | 12.3844% | 753 |
| Net charge-offs to loans | 0.1835% | 470 |
| Credit loss provision to net charge-offs | 62.8931% | 1,789 |
| Earnings coverage of net charge-offs (x) | 12.9287% | 1,938 |
| Efficiency ratio | 71.4213% | 1,451 |
| Assets per employee ($millions) | 4.5584% | 4,084 |
| Cash dividends to net income (ytd only)* | 30.3500% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1889% | 3,042 |
| Loan loss allowance to noncurrent loans | 84.2157% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 0.7638% | 944 |
| Noncurrent loans to loans | 1.4117% | 753 |
| Net loans and leases to total assets | 48.3962% | 3,586 |
| Net loans and leases to deposits | 52.9276% | 3,815 |
| Net loans and leases to core deposits | 54.3947% | 3,890 |
| Total domestic deposits to total assets | 91.4384% | 248 |
| Equity capital to assets | 8.2215% | 4,399 |
| Core capital (leverage) ratio | 7.9180% | 4,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2383% | 2,282 |
| Memoranda: | ||
| Average total assets | $692,750,750 | 1,311 |
| Average earning assets | $656,520,250 | 1,295 |
| Average equity | $58,061,000 | 1,581 |
| Average total loans | $346,628,750 | 1,561 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3429% | 3,329 |
| Cost of funding earning assets | 0.1733% | 4,009 |
| Net interest margin | 3.1695% | 2,850 |
| Noninterest income to average assets | 1.0694% | 961 |
| Noninterest expense to average assets | 2.9667% | 1,037 |
| Loan and lease loss provision to assets | 0.0661% | 1,723 |
| Net operating income to assets | 1.0352% | 2,772 |
| Return on assets (ROA) | 1.5996% | 1,108 |
| Pretax return on assets | 1.6108% | 1,708 |
| Return on Equity (ROE) | 18.9562% | 548 |
| Retained earnings to average equity (ytd only) | 13.7322% | 592 |
| Net charge-offs to loans | 0.2769% | 320 |
| Credit loss provision to net charge-offs | 47.3684% | 1,616 |
| Earnings coverage of net charge-offs (x) | 7.9284% | 1,906 |
| Efficiency ratio | 72.8302% | 1,351 |
| Assets per employee ($millions) | 4.3192% | 4,245 |
| Cash dividends to net income (ytd only)* | 27.5583% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1941% | 2,971 |
| Loan loss allowance to noncurrent loans | 77.3679% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 0.8568% | 911 |
| Noncurrent loans to loans | 1.5434% | 729 |
| Net loans and leases to total assets | 49.6676% | 3,588 |
| Net loans and leases to deposits | 54.3929% | 3,830 |
| Net loans and leases to core deposits | 55.9695% | 3,891 |
| Total domestic deposits to total assets | 91.3127% | 280 |
| Equity capital to assets | 8.4040% | 4,279 |
| Core capital (leverage) ratio | 7.7905% | 4,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7901% | 2,059 |
| Memoranda: | ||
| Average total assets | $680,552,000 | 1,325 |
| Average earning assets | $645,018,333 | 1,310 |
| Average equity | $57,427,000 | 1,586 |
| Average total loans | $343,097,333 | 1,582 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4728% | 3,004 |
| Cost of funding earning assets | 0.1829% | 4,059 |
| Net interest margin | 3.2899% | 2,424 |
| Noninterest income to average assets | 1.0809% | 1,009 |
| Noninterest expense to average assets | 3.0318% | 943 |
| Loan and lease loss provision to assets | 0.0891% | 1,486 |
| Net operating income to assets | 1.0791% | 2,542 |
| Return on assets (ROA) | 2.2314% | 425 |
| Pretax return on assets | 2.2331% | 649 |
| Return on Equity (ROE) | 26.3879% | 220 |
| Retained earnings to average equity (ytd only) | 21.1174% | 234 |
| Net charge-offs to loans | 0.0212% | 1,315 |
| Credit loss provision to net charge-offs | 833.3333% | 461 |
| Earnings coverage of net charge-offs (x) | 109.3889% | 581 |
| Efficiency ratio | 72.1539% | 1,480 |
| Assets per employee ($millions) | 4.3736% | 4,215 |
| Cash dividends to net income (ytd only)* | 19.9734% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3215% | 2,340 |
| Loan loss allowance to noncurrent loans | 85.7197% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 0.8624% | 1,023 |
| Noncurrent loans to loans | 1.5417% | 805 |
| Net loans and leases to total assets | 48.9221% | 3,717 |
| Net loans and leases to deposits | 53.4494% | 3,979 |
| Net loans and leases to core deposits | 55.0313% | 4,043 |
| Total domestic deposits to total assets | 91.5298% | 236 |
| Equity capital to assets | 8.2439% | 4,330 |
| Core capital (leverage) ratio | 8.0616% | 4,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7390% | 1,663 |
| Memoranda: | ||
| Average total assets | $673,132,500 | 1,326 |
| Average earning assets | $638,561,000 | 1,307 |
| Average equity | $56,920,000 | 1,587 |
| Average total loans | $339,867,000 | 1,597 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8320% | 3,209 |
| Cost of funding earning assets | 0.3553% | 3,843 |
| Net interest margin | 3.4766% | 2,545 |
| Noninterest income to average assets | 1.1860% | 786 |
| Noninterest expense to average assets | 3.3227% | 882 |
| Loan and lease loss provision to assets | 0.1013% | 3,067 |
| Net operating income to assets | 1.0345% | 2,159 |
| Return on assets (ROA) | 1.2660% | 1,451 |
| Pretax return on assets | 1.2892% | 2,017 |
| Return on Equity (ROE) | 14.0145% | 808 |
| Retained earnings to average equity (ytd only) | 7.9432% | 1,068 |
| Net charge-offs to loans | 0.0314% | 2,403 |
| Credit loss provision to net charge-offs | 571.4286% | 1,144 |
| Earnings coverage of net charge-offs (x) | 65.1333% | 1,026 |
| Efficiency ratio | 74.2197% | 1,413 |
| Assets per employee ($millions) | 4.0935% | 4,301 |
| Cash dividends to net income (ytd only)* | 43.3218% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3207% | 2,311 |
| Loan loss allowance to noncurrent loans | 52.3798% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 1.4024% | 546 |
| Noncurrent loans to loans | 2.5214% | 395 |
| Net loans and leases to total assets | 50.7862% | 3,762 |
| Net loans and leases to deposits | 55.8840% | 4,007 |
| Net loans and leases to core deposits | 57.8047% | 4,063 |
| Total domestic deposits to total assets | 90.8778% | 254 |
| Equity capital to assets | 8.6826% | 4,306 |
| Core capital (leverage) ratio | 7.9515% | 4,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7037% | 1,970 |
| Memoranda: | ||
| Average total assets | $592,556,600 | 1,343 |
| Average earning assets | $560,887,600 | 1,318 |
| Average equity | $53,530,400 | 1,591 |
| Average total loans | $333,895,600 | 1,563 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8464% | 3,420 |
| Cost of funding earning assets | 0.3863% | 3,891 |
| Net interest margin | 3.4602% | 2,719 |
| Noninterest income to average assets | 1.1712% | 772 |
| Noninterest expense to average assets | 3.2402% | 999 |
| Loan and lease loss provision to assets | 0.0865% | 3,230 |
| Net operating income to assets | 1.0993% | 1,981 |
| Return on assets (ROA) | 1.3993% | 1,200 |
| Pretax return on assets | 1.4238% | 1,655 |
| Return on Equity (ROE) | 15.3222% | 644 |
| Retained earnings to average equity (ytd only) | 9.6389% | 842 |
| Net charge-offs to loans | 0.0472% | 1,938 |
| Credit loss provision to net charge-offs | 317.7966% | 1,709 |
| Earnings coverage of net charge-offs (x) | 44.2373% | 1,284 |
| Efficiency ratio | 72.9056% | 1,537 |
| Assets per employee ($millions) | 3.9283% | 4,379 |
| Cash dividends to net income (ytd only)* | 37.0920% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1624% | 2,877 |
| Loan loss allowance to noncurrent loans | 46.0405% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 1.5723% | 525 |
| Noncurrent loans to loans | 2.5247% | 416 |
| Net loans and leases to total assets | 56.9864% | 3,525 |
| Net loans and leases to deposits | 62.8412% | 3,876 |
| Net loans and leases to core deposits | 65.3807% | 3,931 |
| Total domestic deposits to total assets | 90.6831% | 236 |
| Equity capital to assets | 8.9935% | 4,129 |
| Core capital (leverage) ratio | 8.1134% | 4,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6803% | 1,935 |
| Memoranda: | ||
| Average total assets | $577,979,250 | 1,354 |
| Average earning assets | $546,741,750 | 1,335 |
| Average equity | $52,785,000 | 1,599 |
| Average total loans | $333,626,000 | 1,560 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8999% | 3,614 |
| Cost of funding earning assets | 0.4306% | 3,892 |
| Net interest margin | 3.4692% | 2,886 |
| Noninterest income to average assets | 1.1621% | 738 |
| Noninterest expense to average assets | 3.2583% | 1,064 |
| Loan and lease loss provision to assets | 0.0800% | 3,292 |
| Net operating income to assets | 1.0839% | 2,022 |
| Return on assets (ROA) | 1.5031% | 994 |
| Pretax return on assets | 1.5316% | 1,380 |
| Return on Equity (ROE) | 16.3662% | 509 |
| Retained earnings to average equity (ytd only) | 11.1392% | 580 |
| Net charge-offs to loans | 0.0117% | 2,541 |
| Credit loss provision to net charge-offs | 1,184.2105% | 706 |
| Earnings coverage of net charge-offs (x) | 175.2105% | 495 |
| Efficiency ratio | 73.3509% | 1,526 |
| Assets per employee ($millions) | 3.9399% | 4,365 |
| Cash dividends to net income (ytd only)* | 31.9375% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1697% | 2,668 |
| Loan loss allowance to noncurrent loans | 40.3612% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 1.7855% | 453 |
| Noncurrent loans to loans | 2.8981% | 353 |
| Net loans and leases to total assets | 56.8438% | 3,623 |
| Net loans and leases to deposits | 62.6200% | 3,970 |
| Net loans and leases to core deposits | 65.0832% | 4,019 |
| Total domestic deposits to total assets | 90.7757% | 204 |
| Equity capital to assets | 8.8875% | 4,180 |
| Core capital (leverage) ratio | 8.2873% | 4,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5951% | 1,959 |
| Memoranda: | ||
| Average total assets | $562,436,667 | 1,368 |
| Average earning assets | $531,761,333 | 1,343 |
| Average equity | $51,655,333 | 1,616 |
| Average total loans | $324,792,333 | 1,572 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1948% | 3,228 |
| Cost of funding earning assets | 0.5150% | 3,870 |
| Net interest margin | 3.6798% | 2,395 |
| Noninterest income to average assets | 1.2052% | 602 |
| Noninterest expense to average assets | 3.5216% | 904 |
| Loan and lease loss provision to assets | 0.0559% | 3,066 |
| Net operating income to assets | 1.0844% | 1,890 |
| Return on assets (ROA) | 1.0844% | 1,993 |
| Pretax return on assets | 1.1127% | 2,469 |
| Return on Equity (ROE) | 11.5924% | 1,230 |
| Retained earnings to average equity (ytd only) | 6.8087% | 1,608 |
| Net charge-offs to loans | 0.0193% | 1,976 |
| Credit loss provision to net charge-offs | 500.0000% | 869 |
| Earnings coverage of net charge-offs (x) | 104.4667% | 562 |
| Efficiency ratio | 75.0835% | 1,677 |
| Assets per employee ($millions) | 3.4448% | 4,529 |
| Cash dividends to net income (ytd only)* | 41.2655% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2654% | 2,307 |
| Loan loss allowance to noncurrent loans | 39.3044% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 2.0052% | 418 |
| Noncurrent loans to loans | 3.2195% | 309 |
| Net loans and leases to total assets | 57.1855% | 3,738 |
| Net loans and leases to deposits | 63.1539% | 4,027 |
| Net loans and leases to core deposits | 65.9184% | 4,087 |
| Total domestic deposits to total assets | 90.5493% | 187 |
| Equity capital to assets | 9.1894% | 4,474 |
| Core capital (leverage) ratio | 8.9288% | 4,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9954% | 2,285 |
| Memoranda: | ||
| Average total assets | $536,346,000 | 1,383 |
| Average earning assets | $507,959,000 | 1,355 |
| Average equity | $50,171,000 | 1,657 |
| Average total loans | $310,435,000 | 1,594 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3001% | 3,542 |
| Cost of funding earning assets | 0.6079% | 3,606 |
| Net interest margin | 3.6922% | 2,835 |
| Noninterest income to average assets | 1.3393% | 532 |
| Noninterest expense to average assets | 3.7896% | 680 |
| Loan and lease loss provision to assets | 0.0592% | 2,851 |
| Net operating income to assets | 0.9567% | 2,994 |
| Return on assets (ROA) | 0.9461% | 3,116 |
| Pretax return on assets | 0.9582% | 3,578 |
| Return on Equity (ROE) | 10.1092% | 2,253 |
| Retained earnings to average equity (ytd only) | 5.0472% | 2,388 |
| Net charge-offs to loans | 0.0264% | 2,867 |
| Credit loss provision to net charge-offs | 375.0000% | 743 |
| Earnings coverage of net charge-offs (x) | 65.1000% | 931 |
| Efficiency ratio | 78.6610% | 1,070 |
| Assets per employee ($millions) | 3.3026% | 4,637 |
| Cash dividends to net income (ytd only)* | 50.0730% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2855% | 1,995 |
| Loan loss allowance to noncurrent loans | 39.7471% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 2.0155% | 384 |
| Noncurrent loans to loans | 3.2343% | 271 |
| Net loans and leases to total assets | 57.0962% | 3,840 |
| Net loans and leases to deposits | 63.4914% | 4,106 |
| Net loans and leases to core deposits | 66.5099% | 4,162 |
| Total domestic deposits to total assets | 89.9274% | 344 |
| Equity capital to assets | 9.5240% | 4,335 |
| Core capital (leverage) ratio | 8.8530% | 4,635 |
| Tier 1 risk-based capital ratio | 12.9514% | 3,814 |
| Total risk-based capital ratio | 14.0461% | 3,788 |
| Memoranda: | ||
| Average total assets | $506,593,600 | 1,411 |
| Average earning assets | $477,248,600 | 1,392 |
| Average equity | $47,412,200 | 1,675 |
| Average total loans | $302,477,600 | 1,591 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3548% | 3,503 |
| Cost of funding earning assets | 0.6045% | 3,678 |
| Net interest margin | 3.7504% | 2,751 |
| Noninterest income to average assets | 1.3340% | 529 |
| Noninterest expense to average assets | 3.7170% | 733 |
| Loan and lease loss provision to assets | 0.0599% | 2,698 |
| Net operating income to assets | 1.0723% | 2,675 |
| Return on assets (ROA) | 1.0589% | 2,820 |
| Pretax return on assets | 1.0711% | 3,374 |
| Return on Equity (ROE) | 11.3670% | 1,860 |
| Retained earnings to average equity (ytd only) | 6.2261% | 2,268 |
| Net charge-offs to loans | 0.0053% | 3,203 |
| Credit loss provision to net charge-offs | 1,875.0000% | 209 |
| Earnings coverage of net charge-offs (x) | 358.4913% | 275 |
| Efficiency ratio | 76.4571% | 1,278 |
| Assets per employee ($millions) | 3.3135% | 4,659 |
| Cash dividends to net income (ytd only)* | 45.2262% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2956% | 1,984 |
| Loan loss allowance to noncurrent loans | 38.9087% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 2.0585% | 413 |
| Noncurrent loans to loans | 3.3299% | 260 |
| Net loans and leases to total assets | 56.7130% | 3,998 |
| Net loans and leases to deposits | 62.9192% | 4,241 |
| Net loans and leases to core deposits | 66.0833% | 4,269 |
| Total domestic deposits to total assets | 90.1363% | 252 |
| Equity capital to assets | 9.4970% | 4,455 |
| Core capital (leverage) ratio | 8.9819% | 4,651 |
| Tier 1 risk-based capital ratio | 13.0669% | 3,813 |
| Total risk-based capital ratio | 14.1745% | 3,786 |
| Memoranda: | ||
| Average total assets | $501,139,000 | 1,428 |
| Average earning assets | $471,374,750 | 1,414 |
| Average equity | $46,683,750 | 1,696 |
| Average total loans | $301,689,000 | 1,609 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3535% | 3,479 |
| Cost of funding earning assets | 0.5848% | 3,728 |
| Net interest margin | 3.7688% | 2,699 |
| Noninterest income to average assets | 1.3192% | 504 |
| Noninterest expense to average assets | 3.7842% | 674 |
| Loan and lease loss provision to assets | 0.0609% | 2,607 |
| Net operating income to assets | 1.0129% | 2,868 |
| Return on assets (ROA) | 0.9923% | 3,017 |
| Pretax return on assets | 1.0017% | 3,538 |
| Return on Equity (ROE) | 10.7271% | 2,084 |
| Retained earnings to average equity (ytd only) | 5.4601% | 2,538 |
| Net charge-offs to loans | 0.0173% | 2,536 |
| Credit loss provision to net charge-offs | 576.9231% | 544 |
| Earnings coverage of net charge-offs (x) | 102.6154% | 684 |
| Efficiency ratio | 77.7444% | 1,187 |
| Assets per employee ($millions) | 3.3306% | 4,676 |
| Cash dividends to net income (ytd only)* | 49.0998% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 2,179 |
| Loan loss allowance to noncurrent loans | 44.7310% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 1.8317% | 544 |
| Noncurrent loans to loans | 2.8225% | 376 |
| Net loans and leases to total assets | 58.8255% | 3,839 |
| Net loans and leases to deposits | 65.2308% | 4,145 |
| Net loans and leases to core deposits | 68.9912% | 4,155 |
| Total domestic deposits to total assets | 90.1806% | 293 |
| Equity capital to assets | 9.4789% | 4,421 |
| Core capital (leverage) ratio | 9.1042% | 4,544 |
| Tier 1 risk-based capital ratio | 13.1665% | 3,750 |
| Total risk-based capital ratio | 14.2797% | 3,725 |
| Memoranda: | ||
| Average total assets | $492,568,330 | 1,453 |
| Average earning assets | $463,759,670 | 1,440 |
| Average equity | $45,566,670 | 1,725 |
| Average total loans | $301,347,000 | 1,619 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3251% | 3,482 |
| Cost of funding earning assets | 0.5603% | 3,786 |
| Net interest margin | 3.7648% | 2,652 |
| Noninterest income to average assets | 1.3370% | 478 |
| Noninterest expense to average assets | 3.9350% | 582 |
| Loan and lease loss provision to assets | 0.0620% | 2,417 |
| Net operating income to assets | 0.8817% | 3,303 |
| Return on assets (ROA) | 0.8065% | 3,636 |
| Pretax return on assets | 0.8073% | 4,022 |
| Return on Equity (ROE) | 8.8329% | 2,879 |
| Retained earnings to average equity (ytd only) | 3.4028% | 3,560 |
| Net charge-offs to loans | 0.0413% | 1,681 |
| Credit loss provision to net charge-offs | 241.9355% | 945 |
| Earnings coverage of net charge-offs (x) | 36.8710% | 1,205 |
| Efficiency ratio | 80.6435% | 991 |
| Assets per employee ($millions) | 3.2341% | 4,801 |
| Cash dividends to net income (ytd only)* | 61.4754% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2475% | 2,336 |
| Loan loss allowance to noncurrent loans | 45.9532% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 1.8051% | 579 |
| Noncurrent loans to loans | 2.7148% | 442 |
| Net loans and leases to total assets | 60.0378% | 3,708 |
| Net loans and leases to deposits | 66.3126% | 4,032 |
| Net loans and leases to core deposits | 70.4506% | 4,060 |
| Total domestic deposits to total assets | 90.5375% | 272 |
| Equity capital to assets | 9.1573% | 4,570 |
| Core capital (leverage) ratio | 9.2334% | 4,428 |
| Tier 1 risk-based capital ratio | 12.9517% | 3,899 |
| Total risk-based capital ratio | 14.0448% | 3,880 |
| Memoranda: | ||
| Average total assets | $484,061,500 | 1,479 |
| Average earning assets | $455,478,000 | 1,463 |
| Average equity | $44,198,500 | 1,772 |
| Average total loans | $300,222,000 | 1,634 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2209% | 3,381 |
| Cost of funding earning assets | 0.3770% | 4,120 |
| Net interest margin | 3.8439% | 2,525 |
| Noninterest income to average assets | 1.3230% | 528 |
| Noninterest expense to average assets | 3.7714% | 714 |
| Loan and lease loss provision to assets | 0.0963% | 2,235 |
| Net operating income to assets | 1.0447% | 2,826 |
| Return on assets (ROA) | 1.0437% | 2,815 |
| Pretax return on assets | 1.0634% | 3,399 |
| Return on Equity (ROE) | 11.7703% | 1,794 |
| Retained earnings to average equity (ytd only) | 6.9425% | 1,700 |
| Net charge-offs to loans | 0.0101% | 3,332 |
| Credit loss provision to net charge-offs | 1,551.7241% | 268 |
| Earnings coverage of net charge-offs (x) | 187.0000% | 475 |
| Efficiency ratio | 76.4657% | 1,296 |
| Assets per employee ($millions) | 3.1138% | 4,918 |
| Cash dividends to net income (ytd only)* | 41.0172% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 2,362 |
| Loan loss allowance to noncurrent loans | 48.8991% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 1.7642% | 591 |
| Noncurrent loans to loans | 2.5316% | 477 |
| Net loans and leases to total assets | 62.5187% | 3,515 |
| Net loans and leases to deposits | 69.1932% | 3,887 |
| Net loans and leases to core deposits | 72.6494% | 3,948 |
| Total domestic deposits to total assets | 90.3538% | 361 |
| Equity capital to assets | 9.1030% | 4,485 |
| Core capital (leverage) ratio | 9.3255% | 4,331 |
| Tier 1 risk-based capital ratio | 13.0751% | 3,800 |
| Total risk-based capital ratio | 14.1750% | 3,776 |
| Memoranda: | ||
| Average total assets | $467,197,200 | 1,494 |
| Average earning assets | $438,669,800 | 1,481 |
| Average equity | $41,426,200 | 1,801 |
| Average total loans | $287,900,000 | 1,648 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1389% | 3,497 |
| Cost of funding earning assets | 0.3584% | 4,128 |
| Net interest margin | 3.7805% | 2,713 |
| Noninterest income to average assets | 1.3111% | 557 |
| Noninterest expense to average assets | 3.6972% | 762 |
| Loan and lease loss provision to assets | 0.1074% | 1,865 |
| Net operating income to assets | 1.0416% | 2,909 |
| Return on assets (ROA) | 1.0416% | 2,919 |
| Pretax return on assets | 1.0579% | 3,544 |
| Return on Equity (ROE) | 11.8273% | 1,862 |
| Retained earnings to average equity (ytd only) | 7.2758% | 1,991 |
| Net charge-offs to loans | 0.0140% | 2,922 |
| Credit loss provision to net charge-offs | 1,250.0000% | 325 |
| Earnings coverage of net charge-offs (x) | 135.6633% | 596 |
| Efficiency ratio | 76.0349% | 1,344 |
| Assets per employee ($millions) | 3.1191% | 4,948 |
| Cash dividends to net income (ytd only)* | 38.4826% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 2,466 |
| Loan loss allowance to noncurrent loans | 50.4093% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 1.7289% | 697 |
| Noncurrent loans to loans | 2.4359% | 544 |
| Net loans and leases to total assets | 62.4607% | 3,606 |
| Net loans and leases to deposits | 69.4693% | 3,962 |
| Net loans and leases to core deposits | 73.0816% | 4,006 |
| Total domestic deposits to total assets | 89.9113% | 538 |
| Equity capital to assets | 8.8328% | 4,688 |
| Core capital (leverage) ratio | 9.3135% | 4,382 |
| Tier 1 risk-based capital ratio | 13.3193% | 3,721 |
| Total risk-based capital ratio | 14.4329% | 3,706 |
| Memoranda: | ||
| Average total assets | $465,670,250 | 1,510 |
| Average earning assets | $437,460,250 | 1,488 |
| Average equity | $41,011,500 | 1,822 |
| Average total loans | $284,971,750 | 1,667 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0626% | 3,570 |
| Cost of funding earning assets | 0.3486% | 4,080 |
| Net interest margin | 3.7141% | 2,875 |
| Noninterest income to average assets | 1.3258% | 551 |
| Noninterest expense to average assets | 3.6672% | 800 |
| Loan and lease loss provision to assets | 0.1290% | 1,536 |
| Net operating income to assets | 1.0014% | 3,011 |
| Return on assets (ROA) | 1.0006% | 3,015 |
| Pretax return on assets | 1.0169% | 3,610 |
| Return on Equity (ROE) | 11.3722% | 1,966 |
| Retained earnings to average equity (ytd only) | 6.9720% | 2,085 |
| Net charge-offs to loans | 0.0213% | 2,458 |
| Credit loss provision to net charge-offs | 1,000.0000% | 401 |
| Earnings coverage of net charge-offs (x) | 88.8667% | 757 |
| Efficiency ratio | 76.1773% | 1,402 |
| Assets per employee ($millions) | 3.1639% | 4,965 |
| Cash dividends to net income (ytd only)* | 38.6930% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2650% | 2,349 |
| Loan loss allowance to noncurrent loans | 55.7069% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 1.5523% | 847 |
| Noncurrent loans to loans | 2.2708% | 601 |
| Net loans and leases to total assets | 59.3058% | 3,874 |
| Net loans and leases to deposits | 65.2716% | 4,208 |
| Net loans and leases to core deposits | 68.5601% | 4,224 |
| Total domestic deposits to total assets | 90.8600% | 288 |
| Equity capital to assets | 8.7958% | 4,724 |
| Core capital (leverage) ratio | 9.0641% | 4,629 |
| Tier 1 risk-based capital ratio | 13.7299% | 3,492 |
| Total risk-based capital ratio | 14.8755% | 3,458 |
| Memoranda: | ||
| Average total assets | $464,937,000 | 1,519 |
| Average earning assets | $436,663,670 | 1,502 |
| Average equity | $40,906,670 | 1,828 |
| Average total loans | $281,339,670 | 1,682 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9781% | 3,699 |
| Cost of funding earning assets | 0.3379% | 4,082 |
| Net interest margin | 3.6403% | 3,027 |
| Noninterest income to average assets | 1.2433% | 603 |
| Noninterest expense to average assets | 3.6643% | 809 |
| Loan and lease loss provision to assets | 0.1295% | 1,458 |
| Net operating income to assets | 0.8497% | 3,506 |
| Return on assets (ROA) | 0.8522% | 3,507 |
| Pretax return on assets | 0.8660% | 3,961 |
| Return on Equity (ROE) | 9.6844% | 2,594 |
| Retained earnings to average equity (ytd only) | 5.7596% | 2,827 |
| Net charge-offs to loans | 0.0156% | 2,207 |
| Credit loss provision to net charge-offs | 1,363.6364% | 267 |
| Earnings coverage of net charge-offs (x) | 104.5455% | 595 |
| Efficiency ratio | 78.6800% | 1,297 |
| Assets per employee ($millions) | 3.2689% | 4,935 |
| Cash dividends to net income (ytd only)* | 40.5268% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 2,800 |
| Loan loss allowance to noncurrent loans | 64.2362% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 1.3300% | 1,111 |
| Noncurrent loans to loans | 1.8688% | 880 |
| Net loans and leases to total assets | 60.3390% | 3,719 |
| Net loans and leases to deposits | 66.2740% | 4,069 |
| Net loans and leases to core deposits | 70.7964% | 4,038 |
| Total domestic deposits to total assets | 91.0447% | 303 |
| Equity capital to assets | 8.6507% | 4,859 |
| Core capital (leverage) ratio | 9.0998% | 4,567 |
| Tier 1 risk-based capital ratio | 13.3894% | 3,724 |
| Total risk-based capital ratio | 14.4871% | 3,724 |
| Memoranda: | ||
| Average total assets | $463,276,500 | 1,532 |
| Average earning assets | $434,474,500 | 1,512 |
| Average equity | $40,766,500 | 1,840 |
| Average total loans | $281,378,500 | 1,691 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9771% | 3,485 |
| Cost of funding earning assets | 0.3476% | 3,737 |
| Net interest margin | 3.6295% | 3,065 |
| Noninterest income to average assets | 1.2590% | 670 |
| Noninterest expense to average assets | 3.8489% | 656 |
| Loan and lease loss provision to assets | 0.0335% | 3,593 |
| Net operating income to assets | 0.7667% | 3,315 |
| Return on assets (ROA) | 0.7955% | 3,225 |
| Pretax return on assets | 0.8060% | 4,224 |
| Return on Equity (ROE) | 8.7745% | 2,415 |
| Retained earnings to average equity (ytd only) | 4.7704% | 2,277 |
| Net charge-offs to loans | 0.0710% | 2,434 |
| Credit loss provision to net charge-offs | 79.7872% | 2,946 |
| Earnings coverage of net charge-offs (x) | 19.2979% | 2,027 |
| Efficiency ratio | 82.6062% | 884 |
| Assets per employee ($millions) | 3.1882% | 5,042 |
| Cash dividends to net income (ytd only)* | 45.6332% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1858% | 2,856 |
| Loan loss allowance to noncurrent loans | 89.2993% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 0.9941% | 1,555 |
| Noncurrent loans to loans | 1.3279% | 1,311 |
| Net loans and leases to total assets | 59.6788% | 3,858 |
| Net loans and leases to deposits | 65.8507% | 4,199 |
| Net loans and leases to core deposits | 68.0803% | 4,287 |
| Total domestic deposits to total assets | 90.6275% | 356 |
| Equity capital to assets | 8.9512% | 4,775 |
| Core capital (leverage) ratio | 8.9721% | 4,683 |
| Tier 1 risk-based capital ratio | 13.4816% | 3,636 |
| Total risk-based capital ratio | 14.5571% | 3,651 |
| Memoranda: | ||
| Average total assets | $447,665,800 | 1,553 |
| Average earning assets | $419,401,400 | 1,534 |
| Average equity | $40,583,600 | 1,835 |
| Average total loans | $264,730,400 | 1,737 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9212% | 3,620 |
| Cost of funding earning assets | 0.3463% | 3,709 |
| Net interest margin | 3.5749% | 3,243 |
| Noninterest income to average assets | 1.2449% | 680 |
| Noninterest expense to average assets | 3.8368% | 641 |
| Loan and lease loss provision to assets | 0.0225% | 3,694 |
| Net operating income to assets | 0.7258% | 3,844 |
| Return on assets (ROA) | 0.7620% | 3,746 |
| Pretax return on assets | 0.7766% | 4,415 |
| Return on Equity (ROE) | 8.3777% | 2,939 |
| Retained earnings to average equity (ytd only) | 4.4228% | 3,265 |
| Net charge-offs to loans | 0.0484% | 2,465 |
| Credit loss provision to net charge-offs | 78.9474% | 2,601 |
| Earnings coverage of net charge-offs (x) | 26.7691% | 1,666 |
| Efficiency ratio | 83.4257% | 802 |
| Assets per employee ($millions) | 3.0333% | 5,237 |
| Cash dividends to net income (ytd only)* | 47.2069% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 2,746 |
| Loan loss allowance to noncurrent loans | 68.5181% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 1.2460% | 1,308 |
| Noncurrent loans to loans | 1.7940% | 1,000 |
| Net loans and leases to total assets | 57.9983% | 4,057 |
| Net loans and leases to deposits | 64.8700% | 4,330 |
| Net loans and leases to core deposits | 67.1207% | 4,415 |
| Total domestic deposits to total assets | 89.4071% | 696 |
| Equity capital to assets | 9.1697% | 4,754 |
| Core capital (leverage) ratio | 8.9077% | 4,854 |
| Tier 1 risk-based capital ratio | 13.6202% | 3,627 |
| Total risk-based capital ratio | 14.7287% | 3,630 |
| Memoranda: | ||
| Average total assets | $444,807,500 | 1,572 |
| Average earning assets | $417,342,750 | 1,554 |
| Average equity | $40,455,750 | 1,853 |
| Average total loans | $261,594,750 | 1,763 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8726% | 3,648 |
| Cost of funding earning assets | 0.3436% | 3,645 |
| Net interest margin | 3.5290% | 3,300 |
| Noninterest income to average assets | 1.2334% | 684 |
| Noninterest expense to average assets | 3.8261% | 653 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6992% | 3,858 |
| Return on assets (ROA) | 0.7557% | 3,663 |
| Pretax return on assets | 0.7720% | 4,363 |
| Return on Equity (ROE) | 8.3323% | 2,859 |
| Retained earnings to average equity (ytd only) | 4.4516% | 3,062 |
| Net charge-offs to loans | 0.0718% | 1,913 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 16.9140% | 1,953 |
| Efficiency ratio | 84.2669% | 825 |
| Assets per employee ($millions) | 3.0271% | 5,245 |
| Cash dividends to net income (ytd only)* | 46.5745% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2220% | 2,884 |
| Loan loss allowance to noncurrent loans | 45.7284% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 1.5675% | 954 |
| Noncurrent loans to loans | 2.6724% | 529 |
| Net loans and leases to total assets | 57.9391% | 4,043 |
| Net loans and leases to deposits | 64.8463% | 4,313 |
| Net loans and leases to core deposits | 67.1130% | 4,411 |
| Total domestic deposits to total assets | 89.3483% | 784 |
| Equity capital to assets | 9.2449% | 4,676 |
| Core capital (leverage) ratio | 9.0662% | 4,648 |
| Tier 1 risk-based capital ratio | 13.7677% | 3,558 |
| Total risk-based capital ratio | 14.8758% | 3,547 |
| Memoranda: | ||
| Average total assets | $440,399,330 | 1,591 |
| Average earning assets | $412,690,330 | 1,568 |
| Average equity | $39,941,000 | 1,873 |
| Average total loans | $259,140,670 | 1,770 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8557% | 3,564 |
| Cost of funding earning assets | 0.3326% | 3,723 |
| Net interest margin | 3.5231% | 3,186 |
| Noninterest income to average assets | 1.2384% | 670 |
| Noninterest expense to average assets | 3.8724% | 622 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6416% | 3,968 |
| Return on assets (ROA) | 0.6380% | 4,027 |
| Pretax return on assets | 0.6537% | 4,585 |
| Return on Equity (ROE) | 7.1066% | 3,361 |
| Retained earnings to average equity (ytd only) | 3.0106% | 3,906 |
| Net charge-offs to loans | 0.0874% | 1,471 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 12.7679% | 1,827 |
| Efficiency ratio | 85.4881% | 845 |
| Assets per employee ($millions) | 2.9012% | 5,429 |
| Cash dividends to net income (ytd only)* | 57.6369% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 2,707 |
| Loan loss allowance to noncurrent loans | 49.8400% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 1.4878% | 1,083 |
| Noncurrent loans to loans | 2.5419% | 611 |
| Net loans and leases to total assets | 57.7909% | 3,995 |
| Net loans and leases to deposits | 64.4948% | 4,282 |
| Net loans and leases to core deposits | 66.8794% | 4,371 |
| Total domestic deposits to total assets | 89.6055% | 850 |
| Equity capital to assets | 8.9856% | 4,816 |
| Core capital (leverage) ratio | 9.1211% | 4,582 |
| Tier 1 risk-based capital ratio | 13.7284% | 3,647 |
| Total risk-based capital ratio | 14.8628% | 3,622 |
| Memoranda: | ||
| Average total assets | $435,081,000 | 1,617 |
| Average earning assets | $406,459,000 | 1,604 |
| Average equity | $39,062,500 | 1,912 |
| Average total loans | $256,431,500 | 1,793 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8657% | 3,693 |
| Cost of funding earning assets | 0.3466% | 3,552 |
| Net interest margin | 3.5191% | 3,363 |
| Noninterest income to average assets | 1.2569% | 719 |
| Noninterest expense to average assets | 3.9887% | 610 |
| Loan and lease loss provision to assets | 0.0540% | 3,308 |
| Net operating income to assets | 0.5074% | 4,602 |
| Return on assets (ROA) | 0.6301% | 4,201 |
| Pretax return on assets | 0.6369% | 4,688 |
| Return on Equity (ROE) | 6.4477% | 3,763 |
| Retained earnings to average equity (ytd only) | 2.7675% | 3,931 |
| Net charge-offs to loans | -0.0112% | 4,963 |
| Credit loss provision to net charge-offs | -803.5714% | 5,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5572% | 714 |
| Assets per employee ($millions) | 3.0656% | 5,300 |
| Cash dividends to net income (ytd only)* | 57.0776% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3056% | 2,517 |
| Loan loss allowance to noncurrent loans | 45.7182% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 1.6951% | 910 |
| Noncurrent loans to loans | 2.8558% | 499 |
| Net loans and leases to total assets | 58.5814% | 4,014 |
| Net loans and leases to deposits | 65.5796% | 4,280 |
| Net loans and leases to core deposits | 68.3105% | 4,373 |
| Total domestic deposits to total assets | 89.3287% | 935 |
| Equity capital to assets | 8.9706% | 4,850 |
| Core capital (leverage) ratio | 9.0901% | 4,631 |
| Tier 1 risk-based capital ratio | 13.7357% | 3,620 |
| Total risk-based capital ratio | 14.8988% | 3,581 |
| Memoranda: | ||
| Average total assets | $417,049,000 | 1,624 |
| Average earning assets | $390,922,800 | 1,606 |
| Average equity | $40,758,800 | 1,820 |
| Average total loans | $248,976,200 | 1,799 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8405% | 3,795 |
| Cost of funding earning assets | 0.3469% | 3,564 |
| Net interest margin | 3.4936% | 3,496 |
| Noninterest income to average assets | 1.2514% | 740 |
| Noninterest expense to average assets | 3.8780% | 694 |
| Loan and lease loss provision to assets | 0.0483% | 3,285 |
| Net operating income to assets | 0.6027% | 4,279 |
| Return on assets (ROA) | 0.6496% | 4,208 |
| Pretax return on assets | 0.6544% | 4,726 |
| Return on Equity (ROE) | 6.5078% | 3,837 |
| Retained earnings to average equity (ytd only) | 2.7974% | 4,216 |
| Net charge-offs to loans | -0.0118% | 4,834 |
| Credit loss provision to net charge-offs | -681.8182% | 5,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5438% | 863 |
| Assets per employee ($millions) | 3.0590% | 5,332 |
| Cash dividends to net income (ytd only)* | 57.0155% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2855% | 2,763 |
| Loan loss allowance to noncurrent loans | 39.0118% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 1.9423% | 810 |
| Noncurrent loans to loans | 3.2951% | 420 |
| Net loans and leases to total assets | 58.1869% | 4,079 |
| Net loans and leases to deposits | 65.6652% | 4,375 |
| Net loans and leases to core deposits | 68.2841% | 4,442 |
| Total domestic deposits to total assets | 88.6114% | 1,102 |
| Equity capital to assets | 9.8444% | 4,307 |
| Core capital (leverage) ratio | 9.2646% | 4,510 |
| Tier 1 risk-based capital ratio | 13.4630% | 3,880 |
| Total risk-based capital ratio | 14.5827% | 3,875 |
| Memoranda: | ||
| Average total assets | $414,016,500 | 1,634 |
| Average earning assets | $388,934,750 | 1,609 |
| Average equity | $41,323,500 | 1,804 |
| Average total loans | $247,534,000 | 1,809 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8147% | 3,903 |
| Cost of funding earning assets | 0.3496% | 3,572 |
| Net interest margin | 3.4651% | 3,631 |
| Noninterest income to average assets | 1.2305% | 748 |
| Noninterest expense to average assets | 3.8400% | 725 |
| Loan and lease loss provision to assets | 0.0367% | 3,428 |
| Net operating income to assets | 0.6102% | 4,225 |
| Return on assets (ROA) | 0.6446% | 4,214 |
| Pretax return on assets | 0.6480% | 4,765 |
| Return on Equity (ROE) | 6.4271% | 3,836 |
| Retained earnings to average equity (ytd only) | 3.0162% | 3,996 |
| Net charge-offs to loans | -0.0171% | 4,881 |
| Credit loss provision to net charge-offs | -357.1429% | 4,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5246% | 923 |
| Assets per employee ($millions) | 3.0299% | 5,391 |
| Cash dividends to net income (ytd only)* | 53.0705% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3082% | 2,739 |
| Loan loss allowance to noncurrent loans | 37.1338% | 5,125 |
| Noncurrent assets plus other real estate owned to assets | 2.0559% | 785 |
| Noncurrent loans to loans | 3.5229% | 374 |
| Net loans and leases to total assets | 57.5949% | 4,156 |
| Net loans and leases to deposits | 65.1949% | 4,402 |
| Net loans and leases to core deposits | 67.9246% | 4,479 |
| Total domestic deposits to total assets | 88.3426% | 1,254 |
| Equity capital to assets | 10.1317% | 4,053 |
| Core capital (leverage) ratio | 9.4329% | 4,291 |
| Tier 1 risk-based capital ratio | 13.9322% | 3,640 |
| Total risk-based capital ratio | 15.0709% | 3,632 |
| Memoranda: | ||
| Average total assets | $409,271,000 | 1,652 |
| Average earning assets | $384,983,670 | 1,625 |
| Average equity | $41,045,000 | 1,811 |
| Average total loans | $245,901,330 | 1,822 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7983% | 3,947 |
| Cost of funding earning assets | 0.3546% | 3,555 |
| Net interest margin | 3.4437% | 3,698 |
| Noninterest income to average assets | 1.2088% | 745 |
| Noninterest expense to average assets | 3.8626% | 716 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5857% | 4,244 |
| Return on assets (ROA) | 0.6526% | 4,086 |
| Pretax return on assets | 0.6536% | 4,668 |
| Return on Equity (ROE) | 6.5418% | 3,706 |
| Retained earnings to average equity (ytd only) | 3.5817% | 3,705 |
| Net charge-offs to loans | -0.0242% | 4,964 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8142% | 905 |
| Assets per employee ($millions) | 3.0347% | 5,473 |
| Cash dividends to net income (ytd only)* | 45.2489% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2643% | 3,087 |
| Loan loss allowance to noncurrent loans | 26.4112% | 5,355 |
| Noncurrent assets plus other real estate owned to assets | 2.8968% | 447 |
| Noncurrent loans to loans | 4.7870% | 216 |
| Net loans and leases to total assets | 59.7486% | 3,812 |
| Net loans and leases to deposits | 67.6591% | 4,094 |
| Net loans and leases to core deposits | 70.5417% | 4,197 |
| Total domestic deposits to total assets | 88.3083% | 1,463 |
| Equity capital to assets | 10.1452% | 3,904 |
| Core capital (leverage) ratio | 9.5750% | 4,067 |
| Tier 1 risk-based capital ratio | 13.6578% | 3,897 |
| Total risk-based capital ratio | 14.7529% | 3,900 |
| Memoranda: | ||
| Average total assets | $406,359,500 | 1,659 |
| Average earning assets | $382,377,000 | 1,637 |
| Average equity | $40,539,500 | 1,824 |
| Average total loans | $247,731,000 | 1,813 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9611% | 3,465 |
| Cost of funding earning assets | 0.4319% | 2,830 |
| Net interest margin | 3.5291% | 3,415 |
| Noninterest income to average assets | 1.2437% | 775 |
| Noninterest expense to average assets | 3.8552% | 807 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6925% | 3,850 |
| Return on assets (ROA) | 0.7249% | 3,793 |
| Pretax return on assets | 0.7383% | 4,405 |
| Return on Equity (ROE) | 7.2960% | 3,363 |
| Retained earnings to average equity (ytd only) | 4.1038% | 3,085 |
| Net charge-offs to loans | 0.0152% | 3,986 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 75.1351% | 732 |
| Efficiency ratio | 84.5341% | 1,132 |
| Assets per employee ($millions) | 2.9645% | 5,555 |
| Cash dividends to net income (ytd only)* | 43.7522% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2233% | 3,338 |
| Loan loss allowance to noncurrent loans | 26.9609% | 5,381 |
| Noncurrent assets plus other real estate owned to assets | 2.8226% | 494 |
| Noncurrent loans to loans | 4.5371% | 234 |
| Net loans and leases to total assets | 60.6561% | 3,745 |
| Net loans and leases to deposits | 70.4247% | 3,875 |
| Net loans and leases to core deposits | 73.4677% | 3,994 |
| Total domestic deposits to total assets | 86.1290% | 2,580 |
| Equity capital to assets | 9.8096% | 4,181 |
| Core capital (leverage) ratio | 9.3432% | 4,405 |
| Tier 1 risk-based capital ratio | 13.1924% | 4,174 |
| Total risk-based capital ratio | 14.2550% | 4,223 |
| Memoranda: | ||
| Average total assets | $394,140,400 | 1,670 |
| Average earning assets | $370,429,800 | 1,640 |
| Average equity | $39,158,600 | 1,840 |
| Average total loans | $243,671,400 | 1,770 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9745% | 3,443 |
| Cost of funding earning assets | 0.4291% | 2,917 |
| Net interest margin | 3.5454% | 3,358 |
| Noninterest income to average assets | 1.2578% | 765 |
| Noninterest expense to average assets | 3.8325% | 818 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7433% | 3,716 |
| Return on assets (ROA) | 0.7858% | 3,584 |
| Pretax return on assets | 0.7985% | 4,343 |
| Return on Equity (ROE) | 7.8835% | 3,142 |
| Retained earnings to average equity (ytd only) | 4.4574% | 3,290 |
| Net charge-offs to loans | -0.0143% | 5,096 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5405% | 1,217 |
| Assets per employee ($millions) | 2.9008% | 5,649 |
| Cash dividends to net income (ytd only)* | 43.4594% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2680% | 3,268 |
| Loan loss allowance to noncurrent loans | 26.4954% | 5,497 |
| Noncurrent assets plus other real estate owned to assets | 2.9939% | 506 |
| Noncurrent loans to loans | 4.7859% | 228 |
| Net loans and leases to total assets | 60.9956% | 3,737 |
| Net loans and leases to deposits | 70.8682% | 3,897 |
| Net loans and leases to core deposits | 73.7364% | 4,041 |
| Total domestic deposits to total assets | 86.0690% | 2,490 |
| Equity capital to assets | 9.8420% | 4,350 |
| Core capital (leverage) ratio | 9.6052% | 4,159 |
| Tier 1 risk-based capital ratio | 13.1037% | 4,374 |
| Total risk-based capital ratio | 14.1896% | 4,388 |
| Memoranda: | ||
| Average total assets | $390,401,000 | 1,697 |
| Average earning assets | $366,665,000 | 1,666 |
| Average equity | $38,915,500 | 1,866 |
| Average total loans | $241,785,250 | 1,789 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9415% | 3,524 |
| Cost of funding earning assets | 0.4287% | 2,945 |
| Net interest margin | 3.5129% | 3,450 |
| Noninterest income to average assets | 1.2550% | 772 |
| Noninterest expense to average assets | 3.8140% | 855 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7291% | 3,742 |
| Return on assets (ROA) | 0.7884% | 3,548 |
| Pretax return on assets | 0.7993% | 4,314 |
| Return on Equity (ROE) | 7.8752% | 3,126 |
| Retained earnings to average equity (ytd only) | 4.2627% | 3,312 |
| Net charge-offs to loans | -0.0083% | 4,878 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7626% | 1,292 |
| Assets per employee ($millions) | 2.9618% | 5,639 |
| Cash dividends to net income (ytd only)* | 45.8716% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3043% | 3,222 |
| Loan loss allowance to noncurrent loans | 27.8373% | 5,544 |
| Noncurrent assets plus other real estate owned to assets | 2.9049% | 589 |
| Noncurrent loans to loans | 4.6856% | 277 |
| Net loans and leases to total assets | 60.3861% | 3,774 |
| Net loans and leases to deposits | 70.2560% | 3,902 |
| Net loans and leases to core deposits | 73.0499% | 4,038 |
| Total domestic deposits to total assets | 85.9515% | 2,710 |
| Equity capital to assets | 9.8817% | 4,175 |
| Core capital (leverage) ratio | 9.5396% | 4,227 |
| Tier 1 risk-based capital ratio | 13.2365% | 4,385 |
| Total risk-based capital ratio | 14.3415% | 4,381 |
| Memoranda: | ||
| Average total assets | $387,096,000 | 1,721 |
| Average earning assets | $363,463,330 | 1,685 |
| Average equity | $38,754,330 | 1,877 |
| Average total loans | $239,943,330 | 1,813 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8817% | 3,694 |
| Cost of funding earning assets | 0.4234% | 3,025 |
| Net interest margin | 3.4583% | 3,591 |
| Noninterest income to average assets | 1.1829% | 814 |
| Noninterest expense to average assets | 3.7719% | 908 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6528% | 4,036 |
| Return on assets (ROA) | 0.7145% | 3,854 |
| Pretax return on assets | 0.7218% | 4,531 |
| Return on Equity (ROE) | 7.0900% | 3,458 |
| Retained earnings to average equity (ytd only) | 3.4832% | 3,904 |
| Net charge-offs to loans | 0.0100% | 3,000 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 105.8333% | 473 |
| Efficiency ratio | 85.1184% | 1,262 |
| Assets per employee ($millions) | 2.9425% | 5,742 |
| Cash dividends to net income (ytd only)* | 50.8721% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 3,483 |
| Loan loss allowance to noncurrent loans | 27.4690% | 5,590 |
| Noncurrent assets plus other real estate owned to assets | 2.9476% | 648 |
| Noncurrent loans to loans | 4.6821% | 315 |
| Net loans and leases to total assets | 61.3368% | 3,474 |
| Net loans and leases to deposits | 71.5571% | 3,585 |
| Net loans and leases to core deposits | 74.2037% | 3,763 |
| Total domestic deposits to total assets | 85.7173% | 3,086 |
| Equity capital to assets | 10.1184% | 3,988 |
| Core capital (leverage) ratio | 9.5813% | 4,170 |
| Tier 1 risk-based capital ratio | 13.1549% | 4,527 |
| Total risk-based capital ratio | 14.2620% | 4,515 |
| Memoranda: | ||
| Average total assets | $385,167,000 | 1,731 |
| Average earning assets | $361,797,000 | 1,697 |
| Average equity | $38,815,000 | 1,878 |
| Average total loans | $240,314,000 | 1,812 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9709% | 3,835 |
| Cost of funding earning assets | 0.4537% | 3,133 |
| Net interest margin | 3.5172% | 3,730 |
| Noninterest income to average assets | 1.2566% | 766 |
| Noninterest expense to average assets | 3.9025% | 853 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6520% | 4,129 |
| Return on assets (ROA) | 0.6668% | 4,153 |
| Pretax return on assets | 0.6744% | 4,710 |
| Return on Equity (ROE) | 6.8554% | 3,716 |
| Retained earnings to average equity (ytd only) | 3.3440% | 3,837 |
| Net charge-offs to loans | -0.1164% | 6,153 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5448% | 1,224 |
| Assets per employee ($millions) | 2.9606% | 5,750 |
| Cash dividends to net income (ytd only)* | 51.2214% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 3,424 |
| Loan loss allowance to noncurrent loans | 36.5581% | 5,470 |
| Noncurrent assets plus other real estate owned to assets | 2.2664% | 1,061 |
| Noncurrent loans to loans | 3.5552% | 570 |
| Net loans and leases to total assets | 61.8384% | 3,526 |
| Net loans and leases to deposits | 72.1878% | 3,660 |
| Net loans and leases to core deposits | 75.1723% | 3,805 |
| Total domestic deposits to total assets | 85.6633% | 3,005 |
| Equity capital to assets | 10.0358% | 4,063 |
| Core capital (leverage) ratio | 9.5762% | 4,141 |
| Tier 1 risk-based capital ratio | 13.4902% | 4,423 |
| Total risk-based capital ratio | 14.6382% | 4,413 |
| Memoranda: | ||
| Average total assets | $380,631,200 | 1,724 |
| Average earning assets | $357,702,800 | 1,676 |
| Average equity | $37,022,000 | 1,901 |
| Average total loans | $226,013,000 | 1,857 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9444% | 3,993 |
| Cost of funding earning assets | 0.4581% | 3,161 |
| Net interest margin | 3.4863% | 3,885 |
| Noninterest income to average assets | 1.2484% | 780 |
| Noninterest expense to average assets | 3.8932% | 853 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6263% | 4,322 |
| Return on assets (ROA) | 0.6465% | 4,326 |
| Pretax return on assets | 0.6521% | 4,867 |
| Return on Equity (ROE) | 6.7001% | 3,854 |
| Retained earnings to average equity (ytd only) | 2.8850% | 4,547 |
| Net charge-offs to loans | -0.1587% | 6,254 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0386% | 1,180 |
| Assets per employee ($millions) | 2.9175% | 5,823 |
| Cash dividends to net income (ytd only)* | 56.9415% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3652% | 3,326 |
| Loan loss allowance to noncurrent loans | 37.1893% | 5,530 |
| Noncurrent assets plus other real estate owned to assets | 2.3136% | 1,176 |
| Noncurrent loans to loans | 3.6711% | 630 |
| Net loans and leases to total assets | 59.2791% | 3,891 |
| Net loans and leases to deposits | 69.1565% | 4,012 |
| Net loans and leases to core deposits | 72.0740% | 4,146 |
| Total domestic deposits to total assets | 85.7173% | 3,004 |
| Equity capital to assets | 9.9972% | 4,169 |
| Core capital (leverage) ratio | 9.5043% | 4,364 |
| Tier 1 risk-based capital ratio | 13.8006% | 4,357 |
| Total risk-based capital ratio | 14.9903% | 4,324 |
| Memoranda: | ||
| Average total assets | $380,308,750 | 1,736 |
| Average earning assets | $357,427,750 | 1,697 |
| Average equity | $36,695,250 | 1,923 |
| Average total loans | $222,695,250 | 1,888 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9224% | 4,046 |
| Cost of funding earning assets | 0.4657% | 3,152 |
| Net interest margin | 3.4567% | 3,957 |
| Noninterest income to average assets | 1.2205% | 785 |
| Noninterest expense to average assets | 3.8697% | 884 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5942% | 4,382 |
| Return on assets (ROA) | 0.5984% | 4,455 |
| Pretax return on assets | 0.5995% | 4,958 |
| Return on Equity (ROE) | 6.2776% | 4,011 |
| Retained earnings to average equity (ytd only) | 1.8684% | 4,954 |
| Net charge-offs to loans | -0.1829% | 6,323 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6675% | 1,200 |
| Assets per employee ($millions) | 2.9005% | 5,886 |
| Cash dividends to net income (ytd only)* | 70.2371% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3354% | 3,662 |
| Loan loss allowance to noncurrent loans | 33.9457% | 5,681 |
| Noncurrent assets plus other real estate owned to assets | 2.4339% | 1,181 |
| Noncurrent loans to loans | 3.9340% | 612 |
| Net loans and leases to total assets | 58.3961% | 3,935 |
| Net loans and leases to deposits | 67.7930% | 4,075 |
| Net loans and leases to core deposits | 70.5744% | 4,208 |
| Total domestic deposits to total assets | 86.1389% | 2,975 |
| Equity capital to assets | 9.6630% | 4,538 |
| Core capital (leverage) ratio | 9.3254% | 4,559 |
| Tier 1 risk-based capital ratio | 13.5964% | 4,531 |
| Total risk-based capital ratio | 14.7593% | 4,514 |
| Memoranda: | ||
| Average total assets | $380,652,670 | 1,730 |
| Average earning assets | $357,279,330 | 1,693 |
| Average equity | $36,288,000 | 1,934 |
| Average total loans | $220,945,670 | 1,898 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8805% | 4,167 |
| Cost of funding earning assets | 0.4694% | 3,232 |
| Net interest margin | 3.4111% | 4,071 |
| Noninterest income to average assets | 1.1891% | 784 |
| Noninterest expense to average assets | 3.8752% | 892 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5226% | 4,578 |
| Return on assets (ROA) | 0.5036% | 4,757 |
| Pretax return on assets | 0.5004% | 5,167 |
| Return on Equity (ROE) | 5.3193% | 4,378 |
| Retained earnings to average equity (ytd only) | 0.8493% | 5,252 |
| Net charge-offs to loans | 0.0442% | 2,767 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 20.4583% | 1,332 |
| Efficiency ratio | 88.1801% | 1,211 |
| Assets per employee ($millions) | 2.9166% | 5,958 |
| Cash dividends to net income (ytd only)* | 84.0336% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2630% | 4,315 |
| Loan loss allowance to noncurrent loans | 32.2776% | 5,795 |
| Noncurrent assets plus other real estate owned to assets | 2.4140% | 1,338 |
| Noncurrent loans to loans | 3.9131% | 694 |
| Net loans and leases to total assets | 58.2037% | 3,812 |
| Net loans and leases to deposits | 67.5233% | 3,912 |
| Net loans and leases to core deposits | 70.0647% | 4,087 |
| Total domestic deposits to total assets | 86.1979% | 3,256 |
| Equity capital to assets | 9.5535% | 4,421 |
| Core capital (leverage) ratio | 9.3807% | 4,456 |
| Tier 1 risk-based capital ratio | 13.5319% | 4,662 |
| Total risk-based capital ratio | 14.6115% | 4,724 |
| Memoranda: | ||
| Average total assets | $378,098,000 | 1,740 |
| Average earning assets | $355,313,500 | 1,708 |
| Average equity | $35,794,000 | 1,950 |
| Average total loans | $217,259,000 | 1,916 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0709% | 3,841 |
| Cost of funding earning assets | 0.5925% | 2,734 |
| Net interest margin | 3.4784% | 3,990 |
| Noninterest income to average assets | 1.2031% | 972 |
| Noninterest expense to average assets | 3.7209% | 1,254 |
| Loan and lease loss provision to assets | 0.0537% | 4,068 |
| Net operating income to assets | 0.7207% | 3,698 |
| Return on assets (ROA) | 0.7826% | 3,488 |
| Pretax return on assets | 0.7885% | 4,191 |
| Return on Equity (ROE) | 8.2335% | 2,910 |
| Retained earnings to average equity (ytd only) | 4.8441% | 2,704 |
| Net charge-offs to loans | 0.1274% | 3,543 |
| Credit loss provision to net charge-offs | 74.6269% | 3,182 |
| Earnings coverage of net charge-offs (x) | 10.8358% | 2,311 |
| Efficiency ratio | 82.6761% | 1,789 |
| Assets per employee ($millions) | 2.9456% | 5,912 |
| Cash dividends to net income (ytd only)* | 41.1664% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3492% | 3,895 |
| Loan loss allowance to noncurrent loans | 32.8071% | 5,866 |
| Noncurrent assets plus other real estate owned to assets | 2.3772% | 1,457 |
| Noncurrent loans to loans | 4.1126% | 692 |
| Net loans and leases to total assets | 55.2104% | 4,429 |
| Net loans and leases to deposits | 63.9927% | 4,506 |
| Net loans and leases to core deposits | 66.6264% | 4,644 |
| Total domestic deposits to total assets | 86.2761% | 3,124 |
| Equity capital to assets | 9.3797% | 4,569 |
| Core capital (leverage) ratio | 9.4345% | 4,362 |
| Tier 1 risk-based capital ratio | 14.0998% | 4,229 |
| Total risk-based capital ratio | 15.2367% | 4,246 |
| Memoranda: | ||
| Average total assets | $372,461,800 | 1,755 |
| Average earning assets | $353,088,600 | 1,700 |
| Average equity | $35,404,000 | 1,946 |
| Average total loans | $210,382,000 | 1,923 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1386% | 3,608 |
| Cost of funding earning assets | 0.6294% | 2,555 |
| Net interest margin | 3.5092% | 3,841 |
| Noninterest income to average assets | 1.2000% | 1,017 |
| Noninterest expense to average assets | 3.7383% | 1,185 |
| Loan and lease loss provision to assets | 0.0718% | 3,624 |
| Net operating income to assets | 0.7192% | 3,758 |
| Return on assets (ROA) | 0.8180% | 3,384 |
| Pretax return on assets | 0.8219% | 4,215 |
| Return on Equity (ROE) | 8.5765% | 2,850 |
| Retained earnings to average equity (ytd only) | 5.5646% | 2,683 |
| Net charge-offs to loans | 0.2055% | 2,594 |
| Credit loss provision to net charge-offs | 61.7284% | 3,259 |
| Earnings coverage of net charge-offs (x) | 6.8333% | 2,898 |
| Efficiency ratio | 82.4634% | 1,768 |
| Assets per employee ($millions) | 2.8744% | 6,047 |
| Cash dividends to net income (ytd only)* | 35.1185% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3574% | 4,094 |
| Loan loss allowance to noncurrent loans | 30.5461% | 5,973 |
| Noncurrent assets plus other real estate owned to assets | 2.5636% | 1,487 |
| Noncurrent loans to loans | 4.4439% | 740 |
| Net loans and leases to total assets | 55.1250% | 4,440 |
| Net loans and leases to deposits | 64.0443% | 4,516 |
| Net loans and leases to core deposits | 66.8217% | 4,641 |
| Total domestic deposits to total assets | 86.0733% | 3,211 |
| Equity capital to assets | 9.5480% | 4,492 |
| Core capital (leverage) ratio | 9.3541% | 4,605 |
| Tier 1 risk-based capital ratio | 14.1366% | 4,331 |
| Total risk-based capital ratio | 15.2616% | 4,376 |
| Memoranda: | ||
| Average total assets | $371,318,250 | 1,770 |
| Average earning assets | $352,704,750 | 1,714 |
| Average equity | $35,413,750 | 1,962 |
| Average total loans | $210,225,000 | 1,927 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9243% | 4,383 |
| Cost of funding earning assets | 0.6430% | 2,561 |
| Net interest margin | 3.2814% | 4,649 |
| Noninterest income to average assets | 1.1744% | 1,101 |
| Noninterest expense to average assets | 3.7224% | 1,217 |
| Loan and lease loss provision to assets | 0.1074% | 3,001 |
| Net operating income to assets | 0.4731% | 4,912 |
| Return on assets (ROA) | 0.5386% | 4,787 |
| Pretax return on assets | 0.5343% | 5,255 |
| Return on Equity (ROE) | 5.6493% | 4,375 |
| Retained earnings to average equity (ytd only) | 2.8331% | 4,511 |
| Net charge-offs to loans | 0.1643% | 2,799 |
| Credit loss provision to net charge-offs | 114.9425% | 1,925 |
| Earnings coverage of net charge-offs (x) | 6.1667% | 2,762 |
| Efficiency ratio | 86.5959% | 1,358 |
| Assets per employee ($millions) | 2.9370% | 5,953 |
| Cash dividends to net income (ytd only)* | 49.8504% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3828% | 4,117 |
| Loan loss allowance to noncurrent loans | 24.1958% | 6,202 |
| Noncurrent assets plus other real estate owned to assets | 3.3211% | 1,182 |
| Noncurrent loans to loans | 5.7149% | 526 |
| Net loans and leases to total assets | 55.7950% | 4,330 |
| Net loans and leases to deposits | 64.4990% | 4,437 |
| Net loans and leases to core deposits | 68.7211% | 4,430 |
| Total domestic deposits to total assets | 86.5052% | 3,111 |
| Equity capital to assets | 9.2278% | 4,957 |
| Core capital (leverage) ratio | 9.0904% | 4,839 |
| Tier 1 risk-based capital ratio | 13.5089% | 4,767 |
| Total risk-based capital ratio | 14.6742% | 4,777 |
| Memoranda: | ||
| Average total assets | $372,451,000 | 1,761 |
| Average earning assets | $354,606,670 | 1,711 |
| Average equity | $35,508,670 | 1,958 |
| Average total loans | $211,764,330 | 1,922 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7906% | 4,853 |
| Cost of funding earning assets | 0.6429% | 2,720 |
| Net interest margin | 3.1477% | 5,103 |
| Noninterest income to average assets | 1.1567% | 1,121 |
| Noninterest expense to average assets | 3.7474% | 1,177 |
| Loan and lease loss provision to assets | 0.2158% | 1,720 |
| Net operating income to assets | 0.2018% | 5,882 |
| Return on assets (ROA) | 0.2115% | 5,967 |
| Pretax return on assets | 0.1985% | 6,080 |
| Return on Equity (ROE) | 2.1827% | 5,876 |
| Retained earnings to average equity (ytd only) | -0.6014% | 5,896 |
| Net charge-offs to loans | 0.4108% | 1,423 |
| Credit loss provision to net charge-offs | 92.1659% | 1,984 |
| Earnings coverage of net charge-offs (x) | 1.7281% | 3,258 |
| Efficiency ratio | 90.2547% | 1,128 |
| Assets per employee ($millions) | 2.9413% | 6,089 |
| Cash dividends to net income (ytd only)* | 127.5510% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3990% | 4,237 |
| Loan loss allowance to noncurrent loans | 23.4694% | 6,243 |
| Noncurrent assets plus other real estate owned to assets | 3.3940% | 1,275 |
| Noncurrent loans to loans | 5.9609% | 559 |
| Net loans and leases to total assets | 54.6792% | 4,297 |
| Net loans and leases to deposits | 63.4893% | 4,371 |
| Net loans and leases to core deposits | 67.4691% | 4,360 |
| Total domestic deposits to total assets | 86.1235% | 3,461 |
| Equity capital to assets | 9.6122% | 4,692 |
| Core capital (leverage) ratio | 9.0772% | 4,752 |
| Tier 1 risk-based capital ratio | 13.4932% | 4,878 |
| Total risk-based capital ratio | 14.6592% | 4,886 |
| Memoranda: | ||
| Average total assets | $370,711,500 | 1,780 |
| Average earning assets | $352,770,500 | 1,725 |
| Average equity | $35,918,000 | 1,966 |
| Average total loans | $211,301,000 | 1,936 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2978% | 4,201 |
| Cost of funding earning assets | 0.7565% | 3,042 |
| Net interest margin | 3.5412% | 4,336 |
| Noninterest income to average assets | 1.2652% | 974 |
| Noninterest expense to average assets | 3.8326% | 1,197 |
| Loan and lease loss provision to assets | 0.5704% | 986 |
| Net operating income to assets | 0.2240% | 5,724 |
| Return on assets (ROA) | 0.5795% | 4,597 |
| Pretax return on assets | 0.5918% | 5,018 |
| Return on Equity (ROE) | 5.5918% | 4,376 |
| Retained earnings to average equity (ytd only) | 2.0832% | 4,760 |
| Net charge-offs to loans | 1.0683% | 1,000 |
| Credit loss provision to net charge-offs | 90.7029% | 3,450 |
| Earnings coverage of net charge-offs (x) | 1.2712% | 4,825 |
| Efficiency ratio | 82.7412% | 1,779 |
| Assets per employee ($millions) | 2.9197% | 6,131 |
| Cash dividends to net income (ytd only)* | 62.7461% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3530% | 4,387 |
| Loan loss allowance to noncurrent loans | 24.7579% | 6,257 |
| Noncurrent assets plus other real estate owned to assets | 3.2902% | 1,400 |
| Noncurrent loans to loans | 5.4648% | 682 |
| Net loans and leases to total assets | 57.7739% | 4,019 |
| Net loans and leases to deposits | 67.3481% | 4,072 |
| Net loans and leases to core deposits | 71.7069% | 4,080 |
| Total domestic deposits to total assets | 85.7841% | 3,470 |
| Equity capital to assets | 9.7669% | 4,501 |
| Core capital (leverage) ratio | 9.4818% | 4,131 |
| Tier 1 risk-based capital ratio | 13.3783% | 4,835 |
| Total risk-based capital ratio | 14.5392% | 4,854 |
| Memoranda: | ||
| Average total assets | $350,625,600 | 1,848 |
| Average earning assets | $333,358,400 | 1,774 |
| Average equity | $36,338,800 | 1,907 |
| Average total loans | $206,397,200 | 1,954 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3796% | 4,136 |
| Cost of funding earning assets | 0.7899% | 3,028 |
| Net interest margin | 3.5897% | 4,276 |
| Noninterest income to average assets | 1.2732% | 910 |
| Noninterest expense to average assets | 3.8438% | 1,135 |
| Loan and lease loss provision to assets | 0.1925% | 3,179 |
| Net operating income to assets | 0.6433% | 4,180 |
| Return on assets (ROA) | 1.0996% | 2,285 |
| Pretax return on assets | 1.1130% | 3,302 |
| Return on Equity (ROE) | 10.4495% | 2,152 |
| Retained earnings to average equity (ytd only) | 7.4310% | 1,879 |
| Net charge-offs to loans | 0.0745% | 4,664 |
| Credit loss provision to net charge-offs | 438.5965% | 610 |
| Earnings coverage of net charge-offs (x) | 19.2451% | 1,507 |
| Efficiency ratio | 81.9839% | 1,809 |
| Assets per employee ($millions) | 2.9793% | 6,084 |
| Cash dividends to net income (ytd only)* | 28.8865% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6252% | 3,430 |
| Loan loss allowance to noncurrent loans | 23.2247% | 6,403 |
| Noncurrent assets plus other real estate owned to assets | 4.4380% | 1,049 |
| Noncurrent loans to loans | 6.9977% | 520 |
| Net loans and leases to total assets | 60.8820% | 3,590 |
| Net loans and leases to deposits | 71.8790% | 3,623 |
| Net loans and leases to core deposits | 76.7621% | 3,631 |
| Total domestic deposits to total assets | 84.7007% | 3,886 |
| Equity capital to assets | 10.6799% | 3,626 |
| Core capital (leverage) ratio | 10.2250% | 3,260 |
| Tier 1 risk-based capital ratio | 14.3906% | 4,268 |
| Total risk-based capital ratio | 15.6429% | 4,238 |
| Memoranda: | ||
| Average total assets | $346,312,750 | 1,894 |
| Average earning assets | $329,490,250 | 1,821 |
| Average equity | $36,441,000 | 1,926 |
| Average total loans | $204,133,500 | 1,994 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4202% | 4,104 |
| Cost of funding earning assets | 0.8418% | 2,864 |
| Net interest margin | 3.5784% | 4,353 |
| Noninterest income to average assets | 1.2409% | 931 |
| Noninterest expense to average assets | 3.8790% | 1,103 |
| Loan and lease loss provision to assets | -0.2894% | 7,176 |
| Net operating income to assets | 1.0517% | 2,240 |
| Return on assets (ROA) | 1.6321% | 869 |
| Pretax return on assets | 1.6426% | 1,418 |
| Return on Equity (ROE) | 15.5893% | 836 |
| Retained earnings to average equity (ytd only) | 13.5163% | 389 |
| Net charge-offs to loans | 0.0569% | 4,618 |
| Credit loss provision to net charge-offs | -877.1930% | 6,380 |
| Earnings coverage of net charge-offs (x) | 23.2456% | 1,258 |
| Efficiency ratio | 83.4932% | 1,686 |
| Assets per employee ($millions) | 2.8593% | 6,301 |
| Cash dividends to net income (ytd only)* | 13.2979% | 3,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2404% | 5,157 |
| Loan loss allowance to noncurrent loans | 23.3872% | 6,422 |
| Noncurrent assets plus other real estate owned to assets | 3.3401% | 1,613 |
| Noncurrent loans to loans | 5.3036% | 895 |
| Net loans and leases to total assets | 59.9750% | 3,824 |
| Net loans and leases to deposits | 71.1141% | 3,751 |
| Net loans and leases to core deposits | 75.2065% | 3,851 |
| Total domestic deposits to total assets | 84.3362% | 4,173 |
| Equity capital to assets | 10.9633% | 3,160 |
| Core capital (leverage) ratio | 10.0788% | 3,303 |
| Tier 1 risk-based capital ratio | 15.0319% | 3,755 |
| Total risk-based capital ratio | 16.1239% | 3,807 |
| Memoranda: | ||
| Average total assets | $345,557,330 | 1,893 |
| Average earning assets | $328,808,330 | 1,827 |
| Average equity | $36,178,670 | 1,925 |
| Average total loans | $200,268,670 | 2,020 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5291% | 3,799 |
| Cost of funding earning assets | 0.8715% | 2,906 |
| Net interest margin | 3.6576% | 4,023 |
| Noninterest income to average assets | 1.1763% | 1,034 |
| Noninterest expense to average assets | 3.7553% | 1,291 |
| Loan and lease loss provision to assets | -0.5744% | 7,264 |
| Net operating income to assets | 1.4704% | 1,083 |
| Return on assets (ROA) | 1.6485% | 889 |
| Pretax return on assets | 1.6542% | 1,423 |
| Return on Equity (ROE) | 16.1164% | 790 |
| Retained earnings to average equity (ytd only) | 16.1164% | 354 |
| Net charge-offs to loans | 0.1299% | 3,327 |
| Credit loss provision to net charge-offs | -781.2500% | 5,878 |
| Earnings coverage of net charge-offs (x) | 12.2656% | 1,616 |
| Efficiency ratio | 80.6364% | 2,130 |
| Assets per employee ($millions) | 2.9540% | 6,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2976% | 5,036 |
| Loan loss allowance to noncurrent loans | 24.0723% | 6,418 |
| Noncurrent assets plus other real estate owned to assets | 3.1298% | 1,854 |
| Noncurrent loans to loans | 5.3903% | 1,003 |
| Net loans and leases to total assets | 55.3102% | 4,508 |
| Net loans and leases to deposits | 64.9178% | 4,499 |
| Net loans and leases to core deposits | 69.7799% | 4,452 |
| Total domestic deposits to total assets | 85.2003% | 3,931 |
| Equity capital to assets | 10.2975% | 3,729 |
| Core capital (leverage) ratio | 9.8824% | 3,523 |
| Tier 1 risk-based capital ratio | 14.8556% | 3,854 |
| Total risk-based capital ratio | 15.9636% | 3,903 |
| Memoranda: | ||
| Average total assets | $348,205,000 | 1,896 |
| Average earning assets | $331,365,500 | 1,820 |
| Average equity | $35,616,000 | 1,949 |
| Average total loans | $197,085,500 | 2,058 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5192% | 4,993 |
| Cost of funding earning assets | 1.0573% | 2,969 |
| Net interest margin | 3.4619% | 5,277 |
| Noninterest income to average assets | 1.2434% | 842 |
| Noninterest expense to average assets | 4.0942% | 913 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.4121% | 4,804 |
| Return on assets (ROA) | 0.6071% | 4,146 |
| Pretax return on assets | 0.6084% | 4,670 |
| Return on Equity (ROE) | 6.0137% | 3,868 |
| Retained earnings to average equity (ytd only) | 4.5118% | 2,965 |
| Net charge-offs to loans | 0.4163% | 3,342 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 1.7275% | 4,479 |
| Efficiency ratio | 90.8296% | 1,132 |
| Assets per employee ($millions) | 2.8270% | 6,416 |
| Cash dividends to net income (ytd only)* | 24.9750% | 3,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5822% | 3,653 |
| Loan loss allowance to noncurrent loans | 36.8489% | 5,787 |
| Noncurrent assets plus other real estate owned to assets | 2.5916% | 2,345 |
| Noncurrent loans to loans | 4.2939% | 1,418 |
| Net loans and leases to total assets | 56.2697% | 4,658 |
| Net loans and leases to deposits | 66.0745% | 4,718 |
| Net loans and leases to core deposits | 71.2605% | 4,626 |
| Total domestic deposits to total assets | 85.1610% | 3,763 |
| Equity capital to assets | 10.1581% | 3,961 |
| Core capital (leverage) ratio | 9.5853% | 3,899 |
| Tier 1 risk-based capital ratio | 14.3244% | 4,090 |
| Total risk-based capital ratio | 15.5756% | 4,056 |
| Memoranda: | ||
| Average total assets | $329,738,000 | 1,958 |
| Average earning assets | $310,898,000 | 1,895 |
| Average equity | $33,290,600 | 1,999 |
| Average total loans | $189,530,600 | 2,135 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5839% | 4,926 |
| Cost of funding earning assets | 1.0831% | 3,090 |
| Net interest margin | 3.5009% | 5,182 |
| Noninterest income to average assets | 1.2402% | 845 |
| Noninterest expense to average assets | 4.0541% | 943 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4782% | 4,642 |
| Return on assets (ROA) | 0.5224% | 4,628 |
| Pretax return on assets | 0.5240% | 5,063 |
| Return on Equity (ROE) | 5.1823% | 4,462 |
| Retained earnings to average equity (ytd only) | 3.1532% | 4,454 |
| Net charge-offs to loans | 0.5280% | 2,646 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 1.5787% | 4,455 |
| Efficiency ratio | 89.4172% | 1,208 |
| Assets per employee ($millions) | 2.8225% | 6,445 |
| Cash dividends to net income (ytd only)* | 39.1544% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6443% | 3,467 |
| Loan loss allowance to noncurrent loans | 36.0141% | 5,896 |
| Noncurrent assets plus other real estate owned to assets | 2.8792% | 2,249 |
| Noncurrent loans to loans | 4.5657% | 1,415 |
| Net loans and leases to total assets | 55.4516% | 4,926 |
| Net loans and leases to deposits | 64.9927% | 5,049 |
| Net loans and leases to core deposits | 70.4003% | 4,903 |
| Total domestic deposits to total assets | 85.3198% | 3,602 |
| Equity capital to assets | 10.0603% | 4,263 |
| Core capital (leverage) ratio | 9.6873% | 3,871 |
| Tier 1 risk-based capital ratio | 14.5338% | 3,950 |
| Total risk-based capital ratio | 15.7862% | 3,929 |
| Memoranda: | ||
| Average total assets | $325,950,250 | 1,983 |
| Average earning assets | $306,656,500 | 1,926 |
| Average equity | $32,854,750 | 2,022 |
| Average total loans | $187,616,250 | 2,171 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7795% | 4,172 |
| Cost of funding earning assets | 1.1096% | 3,167 |
| Net interest margin | 3.6699% | 4,411 |
| Noninterest income to average assets | 1.3138% | 729 |
| Noninterest expense to average assets | 4.0728% | 942 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6890% | 3,600 |
| Return on assets (ROA) | 0.7563% | 3,390 |
| Pretax return on assets | 0.7563% | 4,190 |
| Return on Equity (ROE) | 7.4984% | 3,193 |
| Retained earnings to average equity (ytd only) | 4.4075% | 3,386 |
| Net charge-offs to loans | 0.5087% | 2,575 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 2.3362% | 3,657 |
| Efficiency ratio | 85.5310% | 1,646 |
| Assets per employee ($millions) | 2.6339% | 6,741 |
| Cash dividends to net income (ytd only)* | 41.2201% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8832% | 2,719 |
| Loan loss allowance to noncurrent loans | 50.1094% | 5,017 |
| Noncurrent assets plus other real estate owned to assets | 2.7611% | 2,423 |
| Noncurrent loans to loans | 3.7582% | 1,866 |
| Net loans and leases to total assets | 54.8113% | 5,178 |
| Net loans and leases to deposits | 64.5908% | 5,200 |
| Net loans and leases to core deposits | 69.5710% | 5,117 |
| Total domestic deposits to total assets | 84.8593% | 3,939 |
| Equity capital to assets | 10.1551% | 3,939 |
| Core capital (leverage) ratio | 9.9559% | 3,318 |
| Tier 1 risk-based capital ratio | 14.6566% | 3,694 |
| Total risk-based capital ratio | 15.9107% | 3,661 |
| Memoranda: | ||
| Average total assets | $320,760,000 | 2,016 |
| Average earning assets | $301,369,000 | 1,968 |
| Average equity | $32,353,670 | 2,040 |
| Average total loans | $185,973,330 | 2,212 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7721% | 4,192 |
| Cost of funding earning assets | 1.1315% | 3,288 |
| Net interest margin | 3.6406% | 4,368 |
| Noninterest income to average assets | 1.3290% | 729 |
| Noninterest expense to average assets | 3.9177% | 1,153 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8369% | 2,845 |
| Return on assets (ROA) | 0.9464% | 2,436 |
| Pretax return on assets | 0.9464% | 3,334 |
| Return on Equity (ROE) | 9.4156% | 2,313 |
| Retained earnings to average equity (ytd only) | 9.4156% | 1,260 |
| Net charge-offs to loans | 1.3040% | 1,061 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.0866% | 3,852 |
| Efficiency ratio | 82.3981% | 2,166 |
| Assets per employee ($millions) | 2.5773% | 6,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7747% | 3,089 |
| Loan loss allowance to noncurrent loans | 42.0428% | 5,493 |
| Noncurrent assets plus other real estate owned to assets | 3.1328% | 2,205 |
| Noncurrent loans to loans | 4.2213% | 1,693 |
| Net loans and leases to total assets | 57.0985% | 4,784 |
| Net loans and leases to deposits | 67.2379% | 4,797 |
| Net loans and leases to core deposits | 73.3779% | 4,609 |
| Total domestic deposits to total assets | 84.9200% | 4,070 |
| Equity capital to assets | 10.1683% | 3,570 |
| Core capital (leverage) ratio | 10.0876% | 3,053 |
| Tier 1 risk-based capital ratio | 14.4219% | 3,792 |
| Total risk-based capital ratio | 15.6746% | 3,749 |
| Memoranda: | ||
| Average total assets | $317,838,000 | 2,053 |
| Average earning assets | $299,074,000 | 1,996 |
| Average equity | $31,947,000 | 2,053 |
| Average total loans | $187,734,000 | 2,212 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9069% | 5,001 |
| Cost of funding earning assets | 1.2901% | 3,948 |
| Net interest margin | 3.6168% | 4,733 |
| Noninterest income to average assets | 1.4761% | 665 |
| Noninterest expense to average assets | 4.1990% | 906 |
| Loan and lease loss provision to assets | 0.3261% | 4,204 |
| Net operating income to assets | 0.3486% | 4,748 |
| Return on assets (ROA) | 0.5140% | 4,185 |
| Pretax return on assets | 0.5140% | 4,570 |
| Return on Equity (ROE) | 4.9666% | 4,084 |
| Retained earnings to average equity (ytd only) | 4.9666% | 2,427 |
| Net charge-offs to loans | 1.0855% | 2,051 |
| Credit loss provision to net charge-offs | 47.2367% | 6,303 |
| Earnings coverage of net charge-offs (x) | 0.9773% | 5,129 |
| Efficiency ratio | 86.1550% | 1,682 |
| Assets per employee ($millions) | 2.5699% | 6,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0607% | 2,150 |
| Loan loss allowance to noncurrent loans | 44.6896% | 5,341 |
| Noncurrent assets plus other real estate owned to assets | 3.4537% | 2,019 |
| Noncurrent loans to loans | 4.6111% | 1,523 |
| Net loans and leases to total assets | 58.7754% | 4,901 |
| Net loans and leases to deposits | 70.0610% | 4,810 |
| Net loans and leases to core deposits | 77.3975% | 4,535 |
| Total domestic deposits to total assets | 83.8918% | 4,402 |
| Equity capital to assets | 9.9332% | 3,834 |
| Core capital (leverage) ratio | 9.6528% | 3,483 |
| Tier 1 risk-based capital ratio | 13.9849% | 3,882 |
| Total risk-based capital ratio | 15.2409% | 3,843 |
| Memoranda: | ||
| Average total assets | $306,620,800 | 2,122 |
| Average earning assets | $288,044,800 | 2,058 |
| Average equity | $31,731,800 | 2,068 |
| Average total loans | $195,032,400 | 2,202 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9113% | 5,213 |
| Cost of funding earning assets | 1.3041% | 4,188 |
| Net interest margin | 3.6072% | 4,841 |
| Noninterest income to average assets | 1.4334% | 661 |
| Noninterest expense to average assets | 4.0969% | 936 |
| Loan and lease loss provision to assets | 0.3506% | 3,808 |
| Net operating income to assets | 0.3716% | 4,877 |
| Return on assets (ROA) | 0.5951% | 4,052 |
| Pretax return on assets | 0.5973% | 4,605 |
| Return on Equity (ROE) | 5.6910% | 3,965 |
| Retained earnings to average equity (ytd only) | 5.6910% | 2,552 |
| Net charge-offs to loans | 1.0579% | 1,919 |
| Credit loss provision to net charge-offs | 51.3479% | 5,860 |
| Earnings coverage of net charge-offs (x) | 1.0610% | 4,994 |
| Efficiency ratio | 84.9755% | 1,733 |
| Assets per employee ($millions) | 2.5665% | 6,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2034% | 1,798 |
| Loan loss allowance to noncurrent loans | 26.2194% | 6,567 |
| Noncurrent assets plus other real estate owned to assets | 5.2318% | 1,202 |
| Noncurrent loans to loans | 8.4037% | 594 |
| Net loans and leases to total assets | 59.5239% | 4,999 |
| Net loans and leases to deposits | 71.1355% | 4,976 |
| Net loans and leases to core deposits | 79.0652% | 4,650 |
| Total domestic deposits to total assets | 83.6768% | 4,283 |
| Equity capital to assets | 10.3143% | 3,743 |
| Core capital (leverage) ratio | 10.0308% | 3,221 |
| Tier 1 risk-based capital ratio | 13.9893% | 3,845 |
| Total risk-based capital ratio | 15.2478% | 3,809 |
| Memoranda: | ||
| Average total assets | $304,252,750 | 2,159 |
| Average earning assets | $285,754,500 | 2,103 |
| Average equity | $31,815,250 | 2,076 |
| Average total loans | $196,367,000 | 2,228 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0020% | 4,928 |
| Cost of funding earning assets | 1.3219% | 4,399 |
| Net interest margin | 3.6801% | 4,452 |
| Noninterest income to average assets | 1.3912% | 653 |
| Noninterest expense to average assets | 4.1570% | 857 |
| Loan and lease loss provision to assets | 0.4006% | 3,322 |
| Net operating income to assets | 0.2905% | 5,218 |
| Return on assets (ROA) | 0.6275% | 3,885 |
| Pretax return on assets | 0.6309% | 4,472 |
| Return on Equity (ROE) | 5.9723% | 3,816 |
| Retained earnings to average equity (ytd only) | 5.9723% | 2,342 |
| Net charge-offs to loans | 0.6743% | 2,532 |
| Credit loss provision to net charge-offs | 90.2256% | 4,414 |
| Earnings coverage of net charge-offs (x) | 1.5564% | 4,324 |
| Efficiency ratio | 85.7477% | 1,745 |
| Assets per employee ($millions) | 2.4448% | 7,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5826% | 1,212 |
| Loan loss allowance to noncurrent loans | 37.5236% | 5,858 |
| Noncurrent assets plus other real estate owned to assets | 4.5739% | 1,437 |
| Noncurrent loans to loans | 6.8827% | 839 |
| Net loans and leases to total assets | 61.7272% | 4,739 |
| Net loans and leases to deposits | 74.1651% | 4,652 |
| Net loans and leases to core deposits | 82.4114% | 4,355 |
| Total domestic deposits to total assets | 83.2294% | 4,476 |
| Equity capital to assets | 10.4564% | 3,471 |
| Core capital (leverage) ratio | 10.1254% | 3,029 |
| Tier 1 risk-based capital ratio | 14.1088% | 3,661 |
| Total risk-based capital ratio | 15.3714% | 3,612 |
| Memoranda: | ||
| Average total assets | $299,588,000 | 2,203 |
| Average earning assets | $281,406,000 | 2,148 |
| Average equity | $31,478,670 | 2,096 |
| Average total loans | $197,255,670 | 2,242 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0474% | 4,796 |
| Cost of funding earning assets | 1.3616% | 4,412 |
| Net interest margin | 3.6858% | 4,325 |
| Noninterest income to average assets | 1.4748% | 546 |
| Noninterest expense to average assets | 4.0872% | 916 |
| Loan and lease loss provision to assets | 0.8059% | 1,568 |
| Net operating income to assets | 0.0309% | 6,219 |
| Return on assets (ROA) | 0.7146% | 3,480 |
| Pretax return on assets | 0.7159% | 4,181 |
| Return on Equity (ROE) | 6.7839% | 3,461 |
| Retained earnings to average equity (ytd only) | 6.7839% | 2,228 |
| Net charge-offs to loans | 1.4091% | 1,223 |
| Credit loss provision to net charge-offs | 85.2273% | 3,769 |
| Earnings coverage of net charge-offs (x) | 0.8864% | 4,252 |
| Efficiency ratio | 82.9834% | 2,143 |
| Assets per employee ($millions) | 2.4539% | 7,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5219% | 1,263 |
| Loan loss allowance to noncurrent loans | 33.3378% | 6,180 |
| Noncurrent assets plus other real estate owned to assets | 5.6771% | 1,076 |
| Noncurrent loans to loans | 7.5648% | 747 |
| Net loans and leases to total assets | 63.5603% | 4,414 |
| Net loans and leases to deposits | 76.4320% | 4,332 |
| Net loans and leases to core deposits | 85.2463% | 3,999 |
| Total domestic deposits to total assets | 83.1594% | 4,542 |
| Equity capital to assets | 10.4310% | 3,315 |
| Core capital (leverage) ratio | 10.0402% | 3,116 |
| Tier 1 risk-based capital ratio | 13.5818% | 3,941 |
| Total risk-based capital ratio | 14.8436% | 3,896 |
| Memoranda: | ||
| Average total assets | $297,804,500 | 2,260 |
| Average earning assets | $278,799,500 | 2,218 |
| Average equity | $31,368,500 | 2,120 |
| Average total loans | $199,838,500 | 2,280 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5958% | 3,631 |
| Cost of funding earning assets | 1.5283% | 5,384 |
| Net interest margin | 4.0676% | 2,580 |
| Noninterest income to average assets | 1.4906% | 646 |
| Noninterest expense to average assets | 4.2468% | 1,042 |
| Loan and lease loss provision to assets | 1.5766% | 1,455 |
| Net operating income to assets | -0.4670% | 6,144 |
| Return on assets (ROA) | -0.4390% | 6,115 |
| Pretax return on assets | -0.4390% | 5,955 |
| Return on Equity (ROE) | -4.1579% | 6,127 |
| Retained earnings to average equity (ytd only) | -9.9732% | 6,518 |
| Net charge-offs to loans | 1.4514% | 1,730 |
| Credit loss provision to net charge-offs | 155.2570% | 2,926 |
| Earnings coverage of net charge-offs (x) | 1.0927% | 5,015 |
| Efficiency ratio | 79.2842% | 2,994 |
| Assets per employee ($millions) | 2.4893% | 7,222 |
| Cash dividends to net income (ytd only)* | -139.8601% | 7,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4581% | 1,278 |
| Loan loss allowance to noncurrent loans | 34.0100% | 6,171 |
| Noncurrent assets plus other real estate owned to assets | 5.8613% | 971 |
| Noncurrent loans to loans | 7.2275% | 750 |
| Net loans and leases to total assets | 67.3266% | 3,854 |
| Net loans and leases to deposits | 81.3406% | 3,728 |
| Net loans and leases to core deposits | 95.6162% | 4,501 |
| Total domestic deposits to total assets | 82.7713% | 4,631 |
| Equity capital to assets | 10.6366% | 3,037 |
| Core capital (leverage) ratio | 10.0252% | 3,060 |
| Tier 1 risk-based capital ratio | 12.8947% | 4,214 |
| Total risk-based capital ratio | 14.1561% | 4,156 |
| Memoranda: | ||
| Average total assets | $293,161,400 | 2,259 |
| Average earning assets | $278,618,800 | 2,190 |
| Average equity | $30,953,000 | 2,170 |
| Average total loans | $205,109,600 | 2,256 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6764% | 3,448 |
| Cost of funding earning assets | 1.5666% | 5,557 |
| Net interest margin | 4.1098% | 2,356 |
| Noninterest income to average assets | 1.6010% | 578 |
| Noninterest expense to average assets | 4.2622% | 959 |
| Loan and lease loss provision to assets | 0.4332% | 3,736 |
| Net operating income to assets | 0.8194% | 2,728 |
| Return on assets (ROA) | 0.8614% | 2,632 |
| Pretax return on assets | 0.8741% | 3,302 |
| Return on Equity (ROE) | 8.1736% | 2,569 |
| Retained earnings to average equity (ytd only) | 0.3851% | 5,035 |
| Net charge-offs to loans | 0.4345% | 3,505 |
| Credit loss provision to net charge-offs | 142.0030% | 3,451 |
| Earnings coverage of net charge-offs (x) | 4.1465% | 3,239 |
| Efficiency ratio | 77.1141% | 3,299 |
| Assets per employee ($millions) | 2.4504% | 7,303 |
| Cash dividends to net income (ytd only)* | 95.2887% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7311% | 2,519 |
| Loan loss allowance to noncurrent loans | 34.4044% | 6,146 |
| Noncurrent assets plus other real estate owned to assets | 4.1803% | 1,504 |
| Noncurrent loans to loans | 5.0317% | 1,302 |
| Net loans and leases to total assets | 70.6958% | 3,338 |
| Net loans and leases to deposits | 85.9162% | 3,332 |
| Net loans and leases to core deposits | 99.3700% | 4,444 |
| Total domestic deposits to total assets | 82.2846% | 4,548 |
| Equity capital to assets | 10.7301% | 3,262 |
| Core capital (leverage) ratio | 10.0329% | 3,249 |
| Tier 1 risk-based capital ratio | 12.6510% | 4,437 |
| Total risk-based capital ratio | 13.9047% | 4,383 |
| Memoranda: | ||
| Average total assets | $292,393,750 | 2,287 |
| Average earning assets | $279,322,500 | 2,201 |
| Average equity | $30,814,000 | 2,202 |
| Average total loans | $205,269,750 | 2,274 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7023% | 3,526 |
| Cost of funding earning assets | 1.6120% | 5,699 |
| Net interest margin | 4.0903% | 2,350 |
| Noninterest income to average assets | 1.6194% | 569 |
| Noninterest expense to average assets | 4.2146% | 1,053 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.3055% | 1,219 |
| Return on assets (ROA) | 1.3740% | 1,146 |
| Pretax return on assets | 1.3864% | 1,766 |
| Return on Equity (ROE) | 13.1182% | 1,158 |
| Retained earnings to average equity (ytd only) | 5.2669% | 2,362 |
| Net charge-offs to loans | -0.0108% | 7,619 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1893% | 3,655 |
| Assets per employee ($millions) | 2.3925% | 7,438 |
| Cash dividends to net income (ytd only)* | 59.8504% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6385% | 2,578 |
| Loan loss allowance to noncurrent loans | 40.9711% | 5,636 |
| Noncurrent assets plus other real estate owned to assets | 3.1876% | 1,971 |
| Noncurrent loans to loans | 3.9992% | 1,699 |
| Net loans and leases to total assets | 69.7628% | 3,764 |
| Net loans and leases to deposits | 84.7276% | 3,760 |
| Net loans and leases to core deposits | 96.2429% | 4,878 |
| Total domestic deposits to total assets | 82.3377% | 4,551 |
| Equity capital to assets | 10.7752% | 3,139 |
| Core capital (leverage) ratio | 10.3331% | 2,969 |
| Tier 1 risk-based capital ratio | 13.2287% | 3,979 |
| Total risk-based capital ratio | 14.4816% | 3,897 |
| Memoranda: | ||
| Average total assets | $291,844,000 | 2,305 |
| Average earning assets | $279,151,330 | 2,229 |
| Average equity | $30,568,330 | 2,225 |
| Average total loans | $203,180,330 | 2,316 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6295% | 4,180 |
| Cost of funding earning assets | 1.6845% | 5,663 |
| Net interest margin | 3.9450% | 2,870 |
| Noninterest income to average assets | 1.5475% | 580 |
| Noninterest expense to average assets | 4.1203% | 1,039 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1826% | 1,704 |
| Return on assets (ROA) | 1.2898% | 1,500 |
| Pretax return on assets | 1.3008% | 2,284 |
| Return on Equity (ROE) | 12.4938% | 1,517 |
| Retained earnings to average equity (ytd only) | 4.5275% | 3,410 |
| Net charge-offs to loans | -0.0139% | 7,352 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5542% | 3,249 |
| Assets per employee ($millions) | 2.5356% | 7,209 |
| Cash dividends to net income (ytd only)* | 63.7620% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6205% | 2,441 |
| Loan loss allowance to noncurrent loans | 67.6518% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 2.1804% | 2,624 |
| Noncurrent loans to loans | 2.3953% | 2,756 |
| Net loans and leases to total assets | 68.7448% | 3,963 |
| Net loans and leases to deposits | 83.0519% | 4,124 |
| Net loans and leases to core deposits | 95.2846% | 5,036 |
| Total domestic deposits to total assets | 82.7733% | 4,259 |
| Equity capital to assets | 10.4286% | 3,533 |
| Core capital (leverage) ratio | 10.3904% | 3,033 |
| Tier 1 risk-based capital ratio | 12.9013% | 4,247 |
| Total risk-based capital ratio | 14.1537% | 4,176 |
| Memoranda: | ||
| Average total assets | $291,825,000 | 2,323 |
| Average earning assets | $278,531,500 | 2,247 |
| Average equity | $30,127,000 | 2,266 |
| Average total loans | $201,262,000 | 2,353 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1688% | 4,673 |
| Cost of funding earning assets | 1.9676% | 6,516 |
| Net interest margin | 4.2011% | 2,308 |
| Noninterest income to average assets | 1.6307% | 523 |
| Noninterest expense to average assets | 4.1375% | 1,219 |
| Loan and lease loss provision to assets | 0.0547% | 6,729 |
| Net operating income to assets | 1.3659% | 1,309 |
| Return on assets (ROA) | 1.3849% | 1,213 |
| Pretax return on assets | 1.4177% | 1,916 |
| Return on Equity (ROE) | 13.2372% | 1,273 |
| Retained earnings to average equity (ytd only) | 3.3014% | 3,096 |
| Net charge-offs to loans | 0.0128% | 6,736 |
| Credit loss provision to net charge-offs | 625.0000% | 688 |
| Earnings coverage of net charge-offs (x) | 166.0000% | 278 |
| Efficiency ratio | 74.0084% | 3,573 |
| Assets per employee ($millions) | 2.3704% | 7,453 |
| Cash dividends to net income (ytd only)* | 75.0593% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7478% | 1,774 |
| Loan loss allowance to noncurrent loans | 96.4897% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 1.7648% | 2,769 |
| Noncurrent loans to loans | 1.8113% | 3,046 |
| Net loans and leases to total assets | 66.8203% | 4,675 |
| Net loans and leases to deposits | 80.8201% | 4,903 |
| Net loans and leases to core deposits | 93.2565% | 5,523 |
| Total domestic deposits to total assets | 82.6778% | 3,904 |
| Equity capital to assets | 10.2132% | 3,786 |
| Core capital (leverage) ratio | 9.7566% | 3,708 |
| Tier 1 risk-based capital ratio | 12.8267% | 4,200 |
| Total risk-based capital ratio | 14.0803% | 4,126 |
| Memoranda: | ||
| Average total assets | $274,173,600 | 2,349 |
| Average earning assets | $258,430,200 | 2,302 |
| Average equity | $28,684,400 | 2,358 |
| Average total loans | $187,789,200 | 2,422 |