Home > RiverHills Bank > Performance and Condition Ratios
RiverHills 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 | 3.9722% | 4,004 |
| Cost of funding earning assets | 1.2871% | 2,559 |
| Net interest margin | 2.6851% | 3,840 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 2.1465% | 3,267 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9400% | 2,400 |
| Return on assets (ROA) | 0.9260% | 2,438 |
| Pretax return on assets | 0.9260% | 2,891 |
| Return on Equity (ROE) | 9.7500% | 2,569 |
| Retained earnings to average equity (ytd only) | 4.7330% | 2,699 |
| Net charge-offs to loans | 0.4274% | 237 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 5.7189% | 2,512 |
| Efficiency ratio | 69.5444% | 1,943 |
| Assets per employee ($millions) | 7.4547% | 1,762 |
| Cash dividends to net income (ytd only)* | 51.4609% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9397% | 122 |
| Loan loss allowance to noncurrent loans | 77.5890% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 1.4191% | 277 |
| Noncurrent loans to loans | 3.7888% | 95 |
| Net loans and leases to total assets | 36.2500% | 4,145 |
| Net loans and leases to deposits | 40.6839% | 4,182 |
| Net loans and leases to core deposits | 44.5217% | 4,192 |
| Total domestic deposits to total assets | 89.1000% | 1,036 |
| Equity capital to assets | 10.0970% | 1,953 |
| Core capital (leverage) ratio | 11.5159% | 1,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $391,792,600 | 2,038 |
| Average earning assets | $373,016,000 | 2,001 |
| Average equity | $37,207,200 | 1,969 |
| Average total loans | $150,677,400 | 2,670 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8484% | 4,063 |
| Cost of funding earning assets | 1.2034% | 2,422 |
| Net interest margin | 2.6450% | 3,957 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 1.7365% | 4,071 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3266% | 1,479 |
| Return on assets (ROA) | 1.3078% | 1,515 |
| Pretax return on assets | 1.3078% | 2,021 |
| Return on Equity (ROE) | 14.0000% | 1,653 |
| Retained earnings to average equity (ytd only) | 10.3458% | 1,309 |
| Net charge-offs to loans | 0.0273% | 1,526 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 125.4839% | 821 |
| Efficiency ratio | 56.6912% | 3,338 |
| Assets per employee ($millions) | 7.4669% | 1,657 |
| Cash dividends to net income (ytd only)* | 26.0756% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2042% | 101 |
| Loan loss allowance to noncurrent loans | 100.6096% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 1.2715% | 335 |
| Noncurrent loans to loans | 3.1848% | 129 |
| Net loans and leases to total assets | 38.5200% | 4,110 |
| Net loans and leases to deposits | 43.1145% | 4,130 |
| Net loans and leases to core deposits | 47.0517% | 4,106 |
| Total domestic deposits to total assets | 89.3400% | 1,145 |
| Equity capital to assets | 9.8156% | 1,932 |
| Core capital (leverage) ratio | 11.8800% | 1,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $390,966,250 | 2,039 |
| Average earning assets | $372,267,500 | 1,999 |
| Average equity | $36,535,750 | 1,982 |
| Average total loans | $151,455,250 | 2,670 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6753% | 4,170 |
| Cost of funding earning assets | 1.1082% | 2,258 |
| Net interest margin | 2.5671% | 4,143 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 1.7685% | 4,055 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2959% | 1,582 |
| Return on assets (ROA) | 1.2959% | 1,570 |
| Pretax return on assets | 1.2959% | 2,094 |
| Return on Equity (ROE) | 14.1000% | 1,663 |
| Retained earnings to average equity (ytd only) | 10.6303% | 1,260 |
| Net charge-offs to loans | 0.0027% | 2,250 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 1,269.5000% | 114 |
| Efficiency ratio | 57.7115% | 3,218 |
| Assets per employee ($millions) | 7.4157% | 1,649 |
| Cash dividends to net income (ytd only)* | 24.6160% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2505% | 111 |
| Loan loss allowance to noncurrent loans | 342.7392% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.3697% | 1,441 |
| Noncurrent loans to loans | 0.9484% | 802 |
| Net loans and leases to total assets | 37.7100% | 4,126 |
| Net loans and leases to deposits | 42.5160% | 4,147 |
| Net loans and leases to core deposits | 46.1875% | 4,126 |
| Total domestic deposits to total assets | 88.7000% | 1,347 |
| Equity capital to assets | 9.4242% | 2,217 |
| Core capital (leverage) ratio | 11.6523% | 1,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $391,862,333 | 2,034 |
| Average earning assets | $373,031,667 | 1,999 |
| Average equity | $36,010,333 | 2,021 |
| Average total loans | $150,434,667 | 2,667 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4996% | 4,268 |
| Cost of funding earning assets | 0.9988% | 2,052 |
| Net interest margin | 2.5008% | 4,300 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 1.7737% | 4,069 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1460% | 2,078 |
| Return on assets (ROA) | 1.1460% | 2,050 |
| Pretax return on assets | 1.1460% | 2,586 |
| Return on Equity (ROE) | 12.6300% | 2,071 |
| Retained earnings to average equity (ytd only) | 8.1250% | 2,184 |
| Net charge-offs to loans | 0.0081% | 1,645 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 373.6667% | 296 |
| Efficiency ratio | 60.7493% | 2,850 |
| Assets per employee ($millions) | 7.5096% | 1,617 |
| Cash dividends to net income (ytd only)* | 35.6824% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2823% | 109 |
| Loan loss allowance to noncurrent loans | 475.0954% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.2684% | 1,797 |
| Noncurrent loans to loans | 0.6909% | 1,097 |
| Net loans and leases to total assets | 37.5700% | 4,132 |
| Net loans and leases to deposits | 42.3332% | 4,154 |
| Net loans and leases to core deposits | 45.6910% | 4,118 |
| Total domestic deposits to total assets | 88.7500% | 1,638 |
| Equity capital to assets | 9.3206% | 2,282 |
| Core capital (leverage) ratio | 11.4884% | 1,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $391,277,500 | 2,069 |
| Average earning assets | $372,045,500 | 2,028 |
| Average equity | $35,495,500 | 2,062 |
| Average total loans | $149,049,000 | 2,712 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0019% | 4,134 |
| Cost of funding earning assets | 0.3647% | 2,369 |
| Net interest margin | 2.6372% | 4,130 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 1.8257% | 3,980 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2207% | 1,699 |
| Return on assets (ROA) | 1.2181% | 1,652 |
| Pretax return on assets | 1.2181% | 2,380 |
| Return on Equity (ROE) | 13.2700% | 1,716 |
| Retained earnings to average equity (ytd only) | 10.3841% | 1,045 |
| Net charge-offs to loans | 0.0568% | 1,081 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 55.9767% | 1,301 |
| Efficiency ratio | 59.9301% | 3,065 |
| Assets per employee ($millions) | 7.3973% | 1,687 |
| Cash dividends to net income (ytd only)* | 21.7735% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4028% | 86 |
| Loan loss allowance to noncurrent loans | 343.8233% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.3696% | 1,386 |
| Noncurrent loans to loans | 0.9897% | 741 |
| Net loans and leases to total assets | 36.0700% | 4,213 |
| Net loans and leases to deposits | 40.4099% | 4,230 |
| Net loans and leases to core deposits | 43.1590% | 4,203 |
| Total domestic deposits to total assets | 89.2700% | 1,641 |
| Equity capital to assets | 8.8238% | 2,470 |
| Core capital (leverage) ratio | 11.2112% | 1,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $394,372,400 | 2,043 |
| Average earning assets | $375,396,600 | 2,003 |
| Average equity | $36,190,000 | 2,060 |
| Average total loans | $151,345,800 | 2,619 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8909% | 4,072 |
| Cost of funding earning assets | 0.2625% | 2,573 |
| Net interest margin | 2.6285% | 4,057 |
| Noninterest income to average assets | 0.5700% | 1,823 |
| Noninterest expense to average assets | 1.7487% | 4,077 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3277% | 1,274 |
| Return on assets (ROA) | 1.3254% | 1,251 |
| Pretax return on assets | 1.3254% | 1,964 |
| Return on Equity (ROE) | 14.3100% | 1,347 |
| Retained earnings to average equity (ytd only) | 11.8175% | 834 |
| Net charge-offs to loans | 0.1049% | 591 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 32.7750% | 1,483 |
| Efficiency ratio | 56.8419% | 3,535 |
| Assets per employee ($millions) | 7.0306% | 1,916 |
| Cash dividends to net income (ytd only)* | 17.3968% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2940% | 101 |
| Loan loss allowance to noncurrent loans | 272.0176% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.4704% | 1,150 |
| Noncurrent loans to loans | 1.2110% | 605 |
| Net loans and leases to total assets | 37.5700% | 4,163 |
| Net loans and leases to deposits | 42.0252% | 4,180 |
| Net loans and leases to core deposits | 44.6533% | 4,158 |
| Total domestic deposits to total assets | 89.3900% | 1,923 |
| Equity capital to assets | 8.6386% | 2,448 |
| Core capital (leverage) ratio | 11.0946% | 1,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $394,951,750 | 2,064 |
| Average earning assets | $375,924,000 | 2,021 |
| Average equity | $36,589,000 | 2,086 |
| Average total loans | $152,580,500 | 2,609 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8085% | 3,957 |
| Cost of funding earning assets | 0.2535% | 2,215 |
| Net interest margin | 2.5550% | 3,994 |
| Noninterest income to average assets | 0.6492% | 1,546 |
| Noninterest expense to average assets | 1.7365% | 4,082 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3457% | 1,034 |
| Return on assets (ROA) | 1.3457% | 1,015 |
| Pretax return on assets | 1.3457% | 1,595 |
| Return on Equity (ROE) | 14.2149% | 1,061 |
| Retained earnings to average equity (ytd only) | 12.0210% | 602 |
| Net charge-offs to loans | -0.0417% | 4,164 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3387% | 3,741 |
| Assets per employee ($millions) | 6.8645% | 2,029 |
| Cash dividends to net income (ytd only)* | 15.4335% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3799% | 100 |
| Loan loss allowance to noncurrent loans | 370.1016% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.3461% | 1,619 |
| Noncurrent loans to loans | 0.9132% | 915 |
| Net loans and leases to total assets | 36.6176% | 4,222 |
| Net loans and leases to deposits | 40.9685% | 4,235 |
| Net loans and leases to core deposits | 43.2574% | 4,216 |
| Total domestic deposits to total assets | 89.3799% | 2,008 |
| Equity capital to assets | 8.6504% | 2,652 |
| Core capital (leverage) ratio | 10.7940% | 1,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $397,707,667 | 2,061 |
| Average earning assets | $378,704,000 | 2,028 |
| Average equity | $37,650,667 | 2,090 |
| Average total loans | $153,370,333 | 2,609 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8278% | 3,693 |
| Cost of funding earning assets | 0.2631% | 2,004 |
| Net interest margin | 2.5647% | 3,741 |
| Noninterest income to average assets | 0.6289% | 1,568 |
| Noninterest expense to average assets | 1.7429% | 4,066 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3283% | 943 |
| Return on assets (ROA) | 1.3283% | 934 |
| Pretax return on assets | 1.3283% | 1,433 |
| Return on Equity (ROE) | 13.4503% | 949 |
| Retained earnings to average equity (ytd only) | 13.4503% | 428 |
| Net charge-offs to loans | 0.0543% | 751 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 62.8571% | 838 |
| Efficiency ratio | 56.7497% | 3,814 |
| Assets per employee ($millions) | 7.0098% | 1,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2683% | 123 |
| Loan loss allowance to noncurrent loans | 306.0643% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.4302% | 1,414 |
| Noncurrent loans to loans | 1.0678% | 843 |
| Net loans and leases to total assets | 37.3855% | 4,142 |
| Net loans and leases to deposits | 42.1087% | 4,158 |
| Net loans and leases to core deposits | 44.5341% | 4,136 |
| Total domestic deposits to total assets | 88.7833% | 2,177 |
| Equity capital to assets | 9.1940% | 2,530 |
| Core capital (leverage) ratio | 10.5918% | 1,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $397,490,500 | 2,064 |
| Average earning assets | $378,529,500 | 2,034 |
| Average equity | $39,255,500 | 2,083 |
| Average total loans | $154,610,500 | 2,591 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3764% | 2,988 |
| Cost of funding earning assets | 0.4342% | 1,297 |
| Net interest margin | 2.9423% | 3,341 |
| Noninterest income to average assets | 0.7881% | 1,477 |
| Noninterest expense to average assets | 1.8980% | 3,926 |
| Loan and lease loss provision to assets | 0.0849% | 1,447 |
| Net operating income to assets | 1.5978% | 814 |
| Return on assets (ROA) | 1.5950% | 856 |
| Pretax return on assets | 1.5950% | 1,438 |
| Return on Equity (ROE) | 14.6213% | 1,043 |
| Retained earnings to average equity (ytd only) | 6.4813% | 2,138 |
| Net charge-offs to loans | 0.0866% | 942 |
| Credit loss provision to net charge-offs | 222.9730% | 1,239 |
| Earnings coverage of net charge-offs (x) | 44.1757% | 1,374 |
| Efficiency ratio | 53.0046% | 4,031 |
| Assets per employee ($millions) | 6.9373% | 1,967 |
| Cash dividends to net income (ytd only)* | 55.6721% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2746% | 115 |
| Loan loss allowance to noncurrent loans | 336.1406% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.3814% | 1,704 |
| Noncurrent loans to loans | 0.9742% | 1,025 |
| Net loans and leases to total assets | 37.8653% | 4,197 |
| Net loans and leases to deposits | 43.4022% | 4,207 |
| Net loans and leases to core deposits | 46.0716% | 4,181 |
| Total domestic deposits to total assets | 87.2428% | 2,417 |
| Equity capital to assets | 10.5648% | 2,115 |
| Core capital (leverage) ratio | 10.1515% | 2,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $388,524,000 | 2,028 |
| Average earning assets | $368,760,200 | 2,009 |
| Average equity | $42,383,400 | 2,001 |
| Average total loans | $170,873,400 | 2,458 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6314% | 2,469 |
| Cost of funding earning assets | 0.4511% | 1,346 |
| Net interest margin | 3.1802% | 2,791 |
| Noninterest income to average assets | 0.3602% | 3,300 |
| Noninterest expense to average assets | 1.7638% | 4,233 |
| Loan and lease loss provision to assets | 0.0465% | 2,069 |
| Net operating income to assets | 1.5653% | 1,114 |
| Return on assets (ROA) | 1.5653% | 1,161 |
| Pretax return on assets | 1.5653% | 1,807 |
| Return on Equity (ROE) | 14.2341% | 1,329 |
| Retained earnings to average equity (ytd only) | 10.4726% | 1,183 |
| Net charge-offs to loans | 0.1052% | 717 |
| Credit loss provision to net charge-offs | 97.8261% | 1,621 |
| Earnings coverage of net charge-offs (x) | 33.8841% | 1,457 |
| Efficiency ratio | 52.2516% | 4,005 |
| Assets per employee ($millions) | 7.0288% | 1,849 |
| Cash dividends to net income (ytd only)* | 26.4259% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9670% | 159 |
| Loan loss allowance to noncurrent loans | 229.1882% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.6733% | 1,114 |
| Noncurrent loans to loans | 1.2946% | 838 |
| Net loans and leases to total assets | 40.5795% | 4,180 |
| Net loans and leases to deposits | 47.7882% | 4,131 |
| Net loans and leases to core deposits | 50.5395% | 4,107 |
| Total domestic deposits to total assets | 84.9151% | 3,146 |
| Equity capital to assets | 11.0682% | 1,963 |
| Core capital (leverage) ratio | 10.6350% | 1,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $386,798,750 | 2,059 |
| Average earning assets | $366,759,750 | 2,033 |
| Average equity | $42,535,250 | 2,018 |
| Average total loans | $174,892,250 | 2,463 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9360% | 1,720 |
| Cost of funding earning assets | 0.4758% | 1,355 |
| Net interest margin | 3.4602% | 1,972 |
| Noninterest income to average assets | 0.3552% | 3,339 |
| Noninterest expense to average assets | 1.7180% | 4,337 |
| Loan and lease loss provision to assets | 0.0468% | 2,085 |
| Net operating income to assets | 1.8698% | 622 |
| Return on assets (ROA) | 1.8698% | 651 |
| Pretax return on assets | 1.8698% | 1,075 |
| Return on Equity (ROE) | 17.0413% | 777 |
| Retained earnings to average equity (ytd only) | 13.4861% | 638 |
| Net charge-offs to loans | 0.1570% | 529 |
| Credit loss provision to net charge-offs | 64.2857% | 1,541 |
| Earnings coverage of net charge-offs (x) | 26.3214% | 1,387 |
| Efficiency ratio | 47.2667% | 4,441 |
| Assets per employee ($millions) | 6.9302% | 1,862 |
| Cash dividends to net income (ytd only)* | 20.8623% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7186% | 205 |
| Loan loss allowance to noncurrent loans | 457.6159% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.4968% | 1,677 |
| Noncurrent loans to loans | 0.5941% | 1,919 |
| Net loans and leases to total assets | 44.5984% | 4,003 |
| Net loans and leases to deposits | 53.1760% | 3,911 |
| Net loans and leases to core deposits | 56.1063% | 3,882 |
| Total domestic deposits to total assets | 83.8695% | 3,478 |
| Equity capital to assets | 11.1504% | 1,874 |
| Core capital (leverage) ratio | 10.2363% | 2,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $384,527,333 | 2,060 |
| Average earning assets | $364,426,667 | 2,037 |
| Average equity | $42,191,667 | 2,024 |
| Average total loans | $178,319,667 | 2,445 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0954% | 1,398 |
| Cost of funding earning assets | 0.4899% | 1,454 |
| Net interest margin | 3.6055% | 1,570 |
| Noninterest income to average assets | 0.3511% | 3,338 |
| Noninterest expense to average assets | 1.7505% | 4,288 |
| Loan and lease loss provision to assets | 0.0470% | 2,137 |
| Net operating income to assets | 1.9689% | 592 |
| Return on assets (ROA) | 1.9689% | 640 |
| Pretax return on assets | 1.9689% | 999 |
| Return on Equity (ROE) | 18.0934% | 718 |
| Retained earnings to average equity (ytd only) | 18.0934% | 365 |
| Net charge-offs to loans | 0.2890% | 293 |
| Credit loss provision to net charge-offs | 34.8837% | 1,369 |
| Earnings coverage of net charge-offs (x) | 14.9535% | 1,352 |
| Efficiency ratio | 46.4761% | 4,436 |
| Assets per employee ($millions) | 7.0632% | 1,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6588% | 210 |
| Loan loss allowance to noncurrent loans | 313.3072% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.5800% | 1,641 |
| Noncurrent loans to loans | 0.8486% | 1,578 |
| Net loans and leases to total assets | 44.4565% | 4,084 |
| Net loans and leases to deposits | 52.7002% | 4,016 |
| Net loans and leases to core deposits | 55.6270% | 3,998 |
| Total domestic deposits to total assets | 84.3575% | 3,320 |
| Equity capital to assets | 10.6539% | 2,127 |
| Core capital (leverage) ratio | 10.5402% | 2,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $382,745,000 | 2,051 |
| Average earning assets | $362,552,500 | 2,032 |
| Average equity | $41,650,500 | 2,031 |
| Average total loans | $178,519,500 | 2,447 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9941% | 2,746 |
| Cost of funding earning assets | 0.7404% | 1,507 |
| Net interest margin | 3.2537% | 3,196 |
| Noninterest income to average assets | 0.4061% | 3,064 |
| Noninterest expense to average assets | 1.9565% | 4,220 |
| Loan and lease loss provision to assets | 0.2439% | 1,591 |
| Net operating income to assets | 1.2877% | 1,279 |
| Return on assets (ROA) | 1.2916% | 1,372 |
| Pretax return on assets | 1.2916% | 2,005 |
| Return on Equity (ROE) | 11.6900% | 1,415 |
| Retained earnings to average equity (ytd only) | 3.3817% | 3,130 |
| Net charge-offs to loans | 0.1999% | 864 |
| Credit loss provision to net charge-offs | 234.5013% | 1,998 |
| Earnings coverage of net charge-offs (x) | 14.7278% | 2,197 |
| Efficiency ratio | 56.0913% | 3,978 |
| Assets per employee ($millions) | 6.4904% | 1,929 |
| Cash dividends to net income (ytd only)* | 71.0720% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7699% | 193 |
| Loan loss allowance to noncurrent loans | 268.0197% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.5674% | 1,855 |
| Noncurrent loans to loans | 1.0335% | 1,379 |
| Net loans and leases to total assets | 46.3594% | 4,105 |
| Net loans and leases to deposits | 55.7085% | 4,018 |
| Net loans and leases to core deposits | 59.2154% | 3,988 |
| Total domestic deposits to total assets | 83.2179% | 3,350 |
| Equity capital to assets | 11.1260% | 2,153 |
| Core capital (leverage) ratio | 10.1366% | 2,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $356,765,000 | 2,016 |
| Average earning assets | $337,926,400 | 1,991 |
| Average equity | $39,418,200 | 2,038 |
| Average total loans | $185,621,800 | 2,368 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2122% | 2,366 |
| Cost of funding earning assets | 0.7978% | 1,508 |
| Net interest margin | 3.4144% | 2,871 |
| Noninterest income to average assets | 0.4213% | 2,979 |
| Noninterest expense to average assets | 1.8393% | 4,426 |
| Loan and lease loss provision to assets | 0.1867% | 2,120 |
| Net operating income to assets | 1.6307% | 678 |
| Return on assets (ROA) | 1.6359% | 739 |
| Pretax return on assets | 1.6359% | 1,092 |
| Return on Equity (ROE) | 14.8336% | 723 |
| Retained earnings to average equity (ytd only) | 9.7888% | 809 |
| Net charge-offs to loans | 0.1540% | 952 |
| Credit loss provision to net charge-offs | 228.1106% | 2,001 |
| Earnings coverage of net charge-offs (x) | 22.2028% | 1,836 |
| Efficiency ratio | 50.2992% | 4,470 |
| Assets per employee ($millions) | 6.4887% | 1,847 |
| Cash dividends to net income (ytd only)* | 34.0097% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4641% | 242 |
| Loan loss allowance to noncurrent loans | 224.9759% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.6421% | 1,811 |
| Noncurrent loans to loans | 1.0953% | 1,373 |
| Net loans and leases to total assets | 49.9362% | 4,104 |
| Net loans and leases to deposits | 60.3655% | 4,037 |
| Net loans and leases to core deposits | 64.8846% | 3,959 |
| Total domestic deposits to total assets | 82.7230% | 3,214 |
| Equity capital to assets | 11.2898% | 2,155 |
| Core capital (leverage) ratio | 11.4879% | 1,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $353,468,000 | 2,015 |
| Average earning assets | $334,924,750 | 1,980 |
| Average equity | $38,982,500 | 2,046 |
| Average total loans | $187,928,750 | 2,348 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4307% | 2,126 |
| Cost of funding earning assets | 0.8580% | 1,558 |
| Net interest margin | 3.5727% | 2,569 |
| Noninterest income to average assets | 0.4328% | 2,890 |
| Noninterest expense to average assets | 1.9264% | 4,372 |
| Loan and lease loss provision to assets | 0.1552% | 2,447 |
| Net operating income to assets | 1.7373% | 575 |
| Return on assets (ROA) | 1.7454% | 615 |
| Pretax return on assets | 1.7454% | 902 |
| Return on Equity (ROE) | 15.9599% | 573 |
| Retained earnings to average equity (ytd only) | 10.3106% | 735 |
| Net charge-offs to loans | 0.1792% | 839 |
| Credit loss provision to net charge-offs | 160.7143% | 2,077 |
| Earnings coverage of net charge-offs (x) | 19.6012% | 1,712 |
| Efficiency ratio | 50.4439% | 4,476 |
| Assets per employee ($millions) | 6.7343% | 1,600 |
| Cash dividends to net income (ytd only)* | 35.3968% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3016% | 286 |
| Loan loss allowance to noncurrent loans | 194.0770% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.6936% | 1,769 |
| Noncurrent loans to loans | 1.1859% | 1,321 |
| Net loans and leases to total assets | 51.4459% | 4,068 |
| Net loans and leases to deposits | 63.1693% | 3,946 |
| Net loans and leases to core deposits | 67.5220% | 3,888 |
| Total domestic deposits to total assets | 81.4413% | 3,514 |
| Equity capital to assets | 10.8886% | 2,431 |
| Core capital (leverage) ratio | 11.0239% | 1,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $348,005,333 | 2,010 |
| Average earning assets | $329,833,667 | 1,977 |
| Average equity | $38,058,000 | 2,078 |
| Average total loans | $187,452,333 | 2,331 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1349% | 3,419 |
| Cost of funding earning assets | 0.9601% | 1,604 |
| Net interest margin | 3.1748% | 3,919 |
| Noninterest income to average assets | 0.5166% | 2,465 |
| Noninterest expense to average assets | 2.0284% | 4,347 |
| Loan and lease loss provision to assets | 0.1069% | 2,347 |
| Net operating income to assets | 1.3776% | 1,043 |
| Return on assets (ROA) | 1.3776% | 1,119 |
| Pretax return on assets | 1.3776% | 1,629 |
| Return on Equity (ROE) | 12.5670% | 969 |
| Retained earnings to average equity (ytd only) | 5.2543% | 2,175 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7417% | 4,035 |
| Assets per employee ($millions) | 6.1800% | 1,533 |
| Cash dividends to net income (ytd only)* | 58.1897% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4516% | 265 |
| Loan loss allowance to noncurrent loans | 149.2169% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.8807% | 1,516 |
| Noncurrent loans to loans | 1.6430% | 935 |
| Net loans and leases to total assets | 51.4849% | 4,149 |
| Net loans and leases to deposits | 62.5421% | 4,072 |
| Net loans and leases to core deposits | 67.0361% | 4,029 |
| Total domestic deposits to total assets | 82.3205% | 3,324 |
| Equity capital to assets | 10.9441% | 2,908 |
| Core capital (leverage) ratio | 10.7013% | 2,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $336,814,500 | 2,011 |
| Average earning assets | $317,879,000 | 1,985 |
| Average equity | $36,922,000 | 2,116 |
| Average total loans | $183,659,500 | 2,322 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3778% | 3,309 |
| Cost of funding earning assets | 0.9889% | 1,774 |
| Net interest margin | 3.3889% | 3,783 |
| Noninterest income to average assets | 0.6520% | 1,999 |
| Noninterest expense to average assets | 2.1504% | 4,267 |
| Loan and lease loss provision to assets | 0.0911% | 2,202 |
| Net operating income to assets | 1.6116% | 816 |
| Return on assets (ROA) | 1.6116% | 875 |
| Pretax return on assets | 1.6116% | 1,452 |
| Return on Equity (ROE) | 15.2643% | 641 |
| Retained earnings to average equity (ytd only) | 6.3513% | 1,691 |
| Net charge-offs to loans | 0.0185% | 3,059 |
| Credit loss provision to net charge-offs | 857.1429% | 385 |
| Earnings coverage of net charge-offs (x) | 160.2571% | 467 |
| Efficiency ratio | 55.8103% | 4,228 |
| Assets per employee ($millions) | 5.7465% | 1,837 |
| Cash dividends to net income (ytd only)* | 58.3914% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3762% | 253 |
| Loan loss allowance to noncurrent loans | 196.0679% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.6988% | 1,852 |
| Noncurrent loans to loans | 1.2119% | 1,240 |
| Net loans and leases to total assets | 55.0372% | 3,997 |
| Net loans and leases to deposits | 67.5238% | 3,863 |
| Net loans and leases to core deposits | 72.4462% | 3,829 |
| Total domestic deposits to total assets | 81.5079% | 3,641 |
| Equity capital to assets | 10.9812% | 3,012 |
| Core capital (leverage) ratio | 11.0134% | 2,488 |
| Tier 1 risk-based capital ratio | 19.2669% | 1,466 |
| Total risk-based capital ratio | 20.5302% | 1,428 |
| Memoranda: | ||
| Average total assets | $329,429,200 | 1,986 |
| Average earning assets | $311,158,400 | 1,963 |
| Average equity | $34,780,400 | 2,155 |
| Average total loans | $189,070,200 | 2,242 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3876% | 3,400 |
| Cost of funding earning assets | 0.9702% | 1,890 |
| Net interest margin | 3.4174% | 3,817 |
| Noninterest income to average assets | 0.5998% | 2,202 |
| Noninterest expense to average assets | 2.0038% | 4,543 |
| Loan and lease loss provision to assets | 0.1091% | 1,783 |
| Net operating income to assets | 1.7156% | 725 |
| Return on assets (ROA) | 1.7156% | 764 |
| Pretax return on assets | 1.7156% | 1,297 |
| Return on Equity (ROE) | 16.4134% | 546 |
| Retained earnings to average equity (ytd only) | 10.2269% | 701 |
| Net charge-offs to loans | 0.0049% | 3,215 |
| Credit loss provision to net charge-offs | 3,857.1429% | 109 |
| Earnings coverage of net charge-offs (x) | 645.2144% | 151 |
| Efficiency ratio | 52.3382% | 4,571 |
| Assets per employee ($millions) | 6.0447% | 1,580 |
| Cash dividends to net income (ytd only)* | 37.6914% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3091% | 281 |
| Loan loss allowance to noncurrent loans | 214.1602% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.6266% | 2,122 |
| Noncurrent loans to loans | 1.0782% | 1,473 |
| Net loans and leases to total assets | 54.8177% | 4,110 |
| Net loans and leases to deposits | 67.2318% | 3,974 |
| Net loans and leases to core deposits | 71.9561% | 3,951 |
| Total domestic deposits to total assets | 81.5354% | 3,607 |
| Equity capital to assets | 10.8088% | 3,284 |
| Core capital (leverage) ratio | 10.9770% | 2,666 |
| Tier 1 risk-based capital ratio | 16.6084% | 2,224 |
| Total risk-based capital ratio | 17.8681% | 2,151 |
| Memoranda: | ||
| Average total assets | $329,898,750 | 1,994 |
| Average earning assets | $311,690,250 | 1,961 |
| Average equity | $34,483,250 | 2,180 |
| Average total loans | $190,172,000 | 2,252 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3689% | 3,421 |
| Cost of funding earning assets | 0.9487% | 1,920 |
| Net interest margin | 3.4202% | 3,831 |
| Noninterest income to average assets | 0.6262% | 2,037 |
| Noninterest expense to average assets | 2.0634% | 4,478 |
| Loan and lease loss provision to assets | 0.1101% | 1,700 |
| Net operating income to assets | 1.6849% | 747 |
| Return on assets (ROA) | 1.6849% | 775 |
| Pretax return on assets | 1.6849% | 1,303 |
| Return on Equity (ROE) | 16.3106% | 546 |
| Retained earnings to average equity (ytd only) | 10.0942% | 728 |
| Net charge-offs to loans | -0.1514% | 5,084 |
| Credit loss provision to net charge-offs | -125.0000% | 3,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4792% | 4,520 |
| Assets per employee ($millions) | 5.8668% | 1,647 |
| Cash dividends to net income (ytd only)* | 38.1125% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3106% | 289 |
| Loan loss allowance to noncurrent loans | 180.0405% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 0.7740% | 1,802 |
| Noncurrent loans to loans | 1.2834% | 1,231 |
| Net loans and leases to total assets | 57.2257% | 3,987 |
| Net loans and leases to deposits | 70.8672% | 3,775 |
| Net loans and leases to core deposits | 75.8861% | 3,737 |
| Total domestic deposits to total assets | 80.7507% | 3,884 |
| Equity capital to assets | 10.8282% | 3,244 |
| Core capital (leverage) ratio | 10.5209% | 3,065 |
| Tier 1 risk-based capital ratio | 18.3204% | 1,717 |
| Total risk-based capital ratio | 19.5836% | 1,674 |
| Memoranda: | ||
| Average total assets | $327,031,000 | 2,013 |
| Average earning assets | $309,044,670 | 1,990 |
| Average equity | $33,781,670 | 2,211 |
| Average total loans | $190,247,670 | 2,259 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2271% | 3,787 |
| Cost of funding earning assets | 0.9124% | 1,950 |
| Net interest margin | 3.3147% | 4,126 |
| Noninterest income to average assets | 0.7601% | 1,398 |
| Noninterest expense to average assets | 2.1062% | 4,453 |
| Loan and lease loss provision to assets | 0.1103% | 1,614 |
| Net operating income to assets | 1.6747% | 769 |
| Return on assets (ROA) | 1.6747% | 797 |
| Pretax return on assets | 1.6747% | 1,274 |
| Return on Equity (ROE) | 16.6155% | 514 |
| Retained earnings to average equity (ytd only) | 9.9255% | 1,054 |
| Net charge-offs to loans | -0.3426% | 5,234 |
| Credit loss provision to net charge-offs | -55.5556% | 3,498 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1273% | 4,522 |
| Assets per employee ($millions) | 6.0100% | 1,537 |
| Cash dividends to net income (ytd only)* | 40.2635% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3284% | 291 |
| Loan loss allowance to noncurrent loans | 198.8636% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.6745% | 2,080 |
| Noncurrent loans to loans | 1.1709% | 1,415 |
| Net loans and leases to total assets | 54.5285% | 4,173 |
| Net loans and leases to deposits | 67.0874% | 3,976 |
| Net loans and leases to core deposits | 71.8133% | 3,954 |
| Total domestic deposits to total assets | 81.2797% | 3,910 |
| Equity capital to assets | 10.0802% | 3,740 |
| Core capital (leverage) ratio | 10.6415% | 2,904 |
| Tier 1 risk-based capital ratio | 18.1402% | 1,760 |
| Total risk-based capital ratio | 19.4033% | 1,711 |
| Memoranda: | ||
| Average total assets | $326,276,000 | 2,033 |
| Average earning assets | $308,203,500 | 2,011 |
| Average equity | $32,885,000 | 2,258 |
| Average total loans | $189,143,000 | 2,291 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1470% | 3,596 |
| Cost of funding earning assets | 0.7473% | 1,806 |
| Net interest margin | 3.3997% | 4,002 |
| Noninterest income to average assets | 0.6082% | 2,249 |
| Noninterest expense to average assets | 2.1948% | 4,352 |
| Loan and lease loss provision to assets | 0.1071% | 2,054 |
| Net operating income to assets | 1.5135% | 1,086 |
| Return on assets (ROA) | 1.5135% | 1,068 |
| Pretax return on assets | 1.5135% | 1,736 |
| Return on Equity (ROE) | 15.4801% | 728 |
| Retained earnings to average equity (ytd only) | 6.7816% | 1,766 |
| Net charge-offs to loans | 0.1972% | 974 |
| Credit loss provision to net charge-offs | 88.5417% | 2,742 |
| Earnings coverage of net charge-offs (x) | 13.3984% | 2,462 |
| Efficiency ratio | 57.5250% | 4,211 |
| Assets per employee ($millions) | 5.5437% | 1,915 |
| Cash dividends to net income (ytd only)* | 56.1915% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1656% | 355 |
| Loan loss allowance to noncurrent loans | 281.4334% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.4972% | 2,594 |
| Noncurrent loans to loans | 0.7695% | 2,075 |
| Net loans and leases to total assets | 58.9467% | 3,879 |
| Net loans and leases to deposits | 73.3127% | 3,560 |
| Net loans and leases to core deposits | 78.8856% | 3,511 |
| Total domestic deposits to total assets | 80.4046% | 4,011 |
| Equity capital to assets | 10.0775% | 3,603 |
| Core capital (leverage) ratio | 10.1721% | 3,384 |
| Tier 1 risk-based capital ratio | 17.0469% | 2,050 |
| Total risk-based capital ratio | 18.3085% | 1,990 |
| Memoranda: | ||
| Average total assets | $317,482,400 | 2,054 |
| Average earning assets | $299,495,800 | 2,023 |
| Average equity | $31,039,800 | 2,282 |
| Average total loans | $194,770,400 | 2,210 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0743% | 3,719 |
| Cost of funding earning assets | 0.7163% | 1,765 |
| Net interest margin | 3.3580% | 4,141 |
| Noninterest income to average assets | 0.6389% | 2,124 |
| Noninterest expense to average assets | 2.0571% | 4,638 |
| Loan and lease loss provision to assets | 0.1049% | 1,917 |
| Net operating income to assets | 1.6447% | 851 |
| Return on assets (ROA) | 1.6447% | 862 |
| Pretax return on assets | 1.6447% | 1,430 |
| Return on Equity (ROE) | 16.9523% | 547 |
| Retained earnings to average equity (ytd only) | 11.7641% | 513 |
| Net charge-offs to loans | 0.2212% | 770 |
| Credit loss provision to net charge-offs | 76.9231% | 2,562 |
| Earnings coverage of net charge-offs (x) | 12.8339% | 2,419 |
| Efficiency ratio | 54.0386% | 4,612 |
| Assets per employee ($millions) | 5.4383% | 1,976 |
| Cash dividends to net income (ytd only)* | 30.6044% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0950% | 414 |
| Loan loss allowance to noncurrent loans | 213.1839% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.7294% | 2,037 |
| Noncurrent loans to loans | 0.9827% | 1,730 |
| Net loans and leases to total assets | 61.6773% | 3,687 |
| Net loans and leases to deposits | 77.3887% | 3,292 |
| Net loans and leases to core deposits | 83.1097% | 3,239 |
| Total domestic deposits to total assets | 79.6981% | 4,176 |
| Equity capital to assets | 10.3987% | 3,233 |
| Core capital (leverage) ratio | 10.4706% | 3,114 |
| Tier 1 risk-based capital ratio | 16.9549% | 2,123 |
| Total risk-based capital ratio | 18.2155% | 2,068 |
| Memoranda: | ||
| Average total assets | $317,855,000 | 2,074 |
| Average earning assets | $299,852,750 | 2,034 |
| Average equity | $30,838,750 | 2,293 |
| Average total loans | $195,865,500 | 2,211 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9958% | 3,796 |
| Cost of funding earning assets | 0.6901% | 1,680 |
| Net interest margin | 3.3058% | 4,229 |
| Noninterest income to average assets | 0.5373% | 2,654 |
| Noninterest expense to average assets | 2.0819% | 4,646 |
| Loan and lease loss provision to assets | 0.0999% | 1,951 |
| Net operating income to assets | 1.4678% | 1,233 |
| Return on assets (ROA) | 1.4678% | 1,234 |
| Pretax return on assets | 1.4678% | 1,936 |
| Return on Equity (ROE) | 15.4871% | 758 |
| Retained earnings to average equity (ytd only) | 10.2194% | 865 |
| Net charge-offs to loans | 0.3060% | 523 |
| Credit loss provision to net charge-offs | 53.3333% | 2,477 |
| Earnings coverage of net charge-offs (x) | 8.3733% | 2,483 |
| Efficiency ratio | 57.0451% | 4,354 |
| Assets per employee ($millions) | 5.4676% | 1,914 |
| Cash dividends to net income (ytd only)* | 34.0136% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0365% | 489 |
| Loan loss allowance to noncurrent loans | 205.6691% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.7130% | 2,097 |
| Noncurrent loans to loans | 0.9902% | 1,763 |
| Net loans and leases to total assets | 61.0856% | 3,700 |
| Net loans and leases to deposits | 76.1314% | 3,311 |
| Net loans and leases to core deposits | 82.0356% | 3,236 |
| Total domestic deposits to total assets | 80.2371% | 4,186 |
| Equity capital to assets | 9.8187% | 3,806 |
| Core capital (leverage) ratio | 9.8440% | 3,738 |
| Tier 1 risk-based capital ratio | 16.1666% | 2,382 |
| Total risk-based capital ratio | 17.4268% | 2,316 |
| Memoranda: | ||
| Average total assets | $320,479,670 | 2,061 |
| Average earning assets | $301,714,330 | 2,038 |
| Average equity | $30,373,670 | 2,329 |
| Average total loans | $196,061,000 | 2,220 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8056% | 4,202 |
| Cost of funding earning assets | 0.6738% | 1,575 |
| Net interest margin | 3.1318% | 4,641 |
| Noninterest income to average assets | 0.5215% | 2,677 |
| Noninterest expense to average assets | 2.0797% | 4,702 |
| Loan and lease loss provision to assets | 0.0869% | 2,062 |
| Net operating income to assets | 1.3037% | 1,632 |
| Return on assets (ROA) | 1.3037% | 1,637 |
| Pretax return on assets | 1.3037% | 2,352 |
| Return on Equity (ROE) | 14.0037% | 1,016 |
| Retained earnings to average equity (ytd only) | 8.6690% | 1,592 |
| Net charge-offs to loans | 0.3893% | 400 |
| Credit loss provision to net charge-offs | 36.8421% | 2,034 |
| Earnings coverage of net charge-offs (x) | 5.8947% | 2,192 |
| Efficiency ratio | 59.9284% | 4,078 |
| Assets per employee ($millions) | 5.4612% | 1,977 |
| Cash dividends to net income (ytd only)* | 38.0952% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1093% | 444 |
| Loan loss allowance to noncurrent loans | 143.2059% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.9418% | 1,678 |
| Noncurrent loans to loans | 1.4729% | 1,204 |
| Net loans and leases to total assets | 57.3192% | 4,007 |
| Net loans and leases to deposits | 70.7664% | 3,726 |
| Net loans and leases to core deposits | 76.4766% | 3,625 |
| Total domestic deposits to total assets | 80.9978% | 4,208 |
| Equity capital to assets | 9.2156% | 4,345 |
| Core capital (leverage) ratio | 9.7778% | 3,778 |
| Tier 1 risk-based capital ratio | 16.1849% | 2,394 |
| Total risk-based capital ratio | 17.4455% | 2,345 |
| Memoranda: | ||
| Average total assets | $322,160,000 | 2,064 |
| Average earning assets | $303,344,500 | 2,037 |
| Average equity | $29,992,000 | 2,369 |
| Average total loans | $195,221,000 | 2,232 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6375% | 4,486 |
| Cost of funding earning assets | 0.6677% | 1,197 |
| Net interest margin | 2.9698% | 4,949 |
| Noninterest income to average assets | 0.5851% | 2,522 |
| Noninterest expense to average assets | 2.0519% | 4,876 |
| Loan and lease loss provision to assets | 0.0734% | 2,742 |
| Net operating income to assets | 1.2623% | 1,321 |
| Return on assets (ROA) | 1.2639% | 1,337 |
| Pretax return on assets | 1.2639% | 2,493 |
| Return on Equity (ROE) | 14.0633% | 749 |
| Retained earnings to average equity (ytd only) | 5.7207% | 1,698 |
| Net charge-offs to loans | 0.1825% | 1,379 |
| Credit loss provision to net charge-offs | 68.7679% | 3,102 |
| Earnings coverage of net charge-offs (x) | 12.5072% | 2,467 |
| Efficiency ratio | 60.5691% | 4,175 |
| Assets per employee ($millions) | 5.3669% | 2,090 |
| Cash dividends to net income (ytd only)* | 59.3220% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0984% | 446 |
| Loan loss allowance to noncurrent loans | 125.8152% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 1.1312% | 1,317 |
| Noncurrent loans to loans | 1.6679% | 987 |
| Net loans and leases to total assets | 61.3959% | 3,693 |
| Net loans and leases to deposits | 76.4598% | 3,284 |
| Net loans and leases to core deposits | 82.4305% | 3,212 |
| Total domestic deposits to total assets | 80.2983% | 4,281 |
| Equity capital to assets | 9.4070% | 4,318 |
| Core capital (leverage) ratio | 9.3166% | 4,268 |
| Tier 1 risk-based capital ratio | 15.6292% | 2,572 |
| Total risk-based capital ratio | 16.8904% | 2,507 |
| Memoranda: | ||
| Average total assets | $326,772,000 | 2,030 |
| Average earning assets | $308,370,800 | 1,999 |
| Average equity | $29,367,200 | 2,400 |
| Average total loans | $191,216,200 | 2,233 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5675% | 4,641 |
| Cost of funding earning assets | 0.6605% | 1,181 |
| Net interest margin | 2.9070% | 5,078 |
| Noninterest income to average assets | 0.5057% | 3,000 |
| Noninterest expense to average assets | 1.8936% | 5,142 |
| Loan and lease loss provision to assets | 0.0972% | 2,163 |
| Net operating income to assets | 1.2572% | 1,480 |
| Return on assets (ROA) | 1.2576% | 1,506 |
| Pretax return on assets | 1.2576% | 2,676 |
| Return on Equity (ROE) | 14.1521% | 802 |
| Retained earnings to average equity (ytd only) | 8.6845% | 952 |
| Net charge-offs to loans | 0.2337% | 919 |
| Credit loss provision to net charge-offs | 72.2892% | 2,675 |
| Earnings coverage of net charge-offs (x) | 10.0752% | 2,634 |
| Efficiency ratio | 58.3022% | 4,462 |
| Assets per employee ($millions) | 5.8739% | 1,587 |
| Cash dividends to net income (ytd only)* | 38.6349% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1290% | 456 |
| Loan loss allowance to noncurrent loans | 158.5449% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.8951% | 1,913 |
| Noncurrent loans to loans | 1.3429% | 1,410 |
| Net loans and leases to total assets | 57.4459% | 4,115 |
| Net loans and leases to deposits | 71.0803% | 3,863 |
| Net loans and leases to core deposits | 76.4380% | 3,769 |
| Total domestic deposits to total assets | 80.8183% | 4,096 |
| Equity capital to assets | 9.0898% | 4,830 |
| Core capital (leverage) ratio | 9.5966% | 4,038 |
| Tier 1 risk-based capital ratio | 16.0038% | 2,502 |
| Total risk-based capital ratio | 17.2656% | 2,438 |
| Memoranda: | ||
| Average total assets | $329,303,000 | 2,026 |
| Average earning assets | $310,649,000 | 1,998 |
| Average equity | $29,262,250 | 2,426 |
| Average total loans | $189,376,250 | 2,259 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5301% | 4,685 |
| Cost of funding earning assets | 0.6610% | 1,083 |
| Net interest margin | 2.8692% | 5,142 |
| Noninterest income to average assets | 0.5191% | 2,903 |
| Noninterest expense to average assets | 1.9214% | 5,153 |
| Loan and lease loss provision to assets | 0.1466% | 1,385 |
| Net operating income to assets | 1.1580% | 1,750 |
| Return on assets (ROA) | 1.1586% | 1,790 |
| Pretax return on assets | 1.1586% | 2,942 |
| Return on Equity (ROE) | 13.1409% | 999 |
| Retained earnings to average equity (ytd only) | 7.5991% | 1,313 |
| Net charge-offs to loans | 0.0610% | 2,050 |
| Credit loss provision to net charge-offs | 421.0526% | 754 |
| Earnings coverage of net charge-offs (x) | 37.4737% | 1,301 |
| Efficiency ratio | 59.5608% | 4,389 |
| Assets per employee ($millions) | 5.7498% | 1,653 |
| Cash dividends to net income (ytd only)* | 42.1719% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3816% | 334 |
| Loan loss allowance to noncurrent loans | 179.2203% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.8119% | 2,184 |
| Noncurrent loans to loans | 1.3289% | 1,455 |
| Net loans and leases to total assets | 55.7666% | 4,249 |
| Net loans and leases to deposits | 69.7603% | 3,931 |
| Net loans and leases to core deposits | 75.2171% | 3,839 |
| Total domestic deposits to total assets | 79.9403% | 4,429 |
| Equity capital to assets | 9.0269% | 4,872 |
| Core capital (leverage) ratio | 9.0539% | 4,664 |
| Tier 1 risk-based capital ratio | 15.2346% | 2,831 |
| Total risk-based capital ratio | 16.4976% | 2,756 |
| Memoranda: | ||
| Average total assets | $327,466,000 | 2,034 |
| Average earning assets | $308,940,330 | 2,008 |
| Average equity | $28,871,670 | 2,445 |
| Average total loans | $186,994,670 | 2,283 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4424% | 4,850 |
| Cost of funding earning assets | 0.6463% | 1,094 |
| Net interest margin | 2.7961% | 5,247 |
| Noninterest income to average assets | 0.5267% | 2,787 |
| Noninterest expense to average assets | 1.9589% | 5,134 |
| Loan and lease loss provision to assets | 0.1466% | 1,276 |
| Net operating income to assets | 1.0595% | 2,032 |
| Return on assets (ROA) | 1.0595% | 2,073 |
| Pretax return on assets | 1.0595% | 3,137 |
| Return on Equity (ROE) | 12.1620% | 1,188 |
| Retained earnings to average equity (ytd only) | 6.5509% | 2,052 |
| Net charge-offs to loans | 0.0728% | 1,601 |
| Credit loss provision to net charge-offs | 352.9412% | 711 |
| Earnings coverage of net charge-offs (x) | 29.0294% | 1,237 |
| Efficiency ratio | 61.8919% | 4,163 |
| Assets per employee ($millions) | 5.8041% | 1,654 |
| Cash dividends to net income (ytd only)* | 46.1361% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3513% | 382 |
| Loan loss allowance to noncurrent loans | 188.9948% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.7593% | 2,402 |
| Noncurrent loans to loans | 1.2441% | 1,623 |
| Net loans and leases to total assets | 53.8116% | 4,350 |
| Net loans and leases to deposits | 67.2082% | 4,069 |
| Net loans and leases to core deposits | 73.0280% | 3,912 |
| Total domestic deposits to total assets | 80.0671% | 4,604 |
| Equity capital to assets | 8.5748% | 5,185 |
| Core capital (leverage) ratio | 9.0829% | 4,643 |
| Tier 1 risk-based capital ratio | 15.1147% | 2,917 |
| Total risk-based capital ratio | 16.3772% | 2,840 |
| Memoranda: | ||
| Average total assets | $327,328,500 | 2,053 |
| Average earning assets | $308,855,500 | 2,030 |
| Average equity | $28,515,000 | 2,479 |
| Average total loans | $186,877,500 | 2,301 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7156% | 4,168 |
| Cost of funding earning assets | 0.6352% | 1,137 |
| Net interest margin | 3.0804% | 4,777 |
| Noninterest income to average assets | 0.4968% | 3,263 |
| Noninterest expense to average assets | 2.0779% | 5,038 |
| Loan and lease loss provision to assets | 0.1249% | 1,986 |
| Net operating income to assets | 1.1691% | 1,609 |
| Return on assets (ROA) | 1.1823% | 1,658 |
| Pretax return on assets | 1.1823% | 2,752 |
| Return on Equity (ROE) | 13.0238% | 990 |
| Retained earnings to average equity (ytd only) | 3.8496% | 3,183 |
| Net charge-offs to loans | 0.0671% | 2,734 |
| Credit loss provision to net charge-offs | 309.5238% | 960 |
| Earnings coverage of net charge-offs (x) | 32.0635% | 1,370 |
| Efficiency ratio | 61.6225% | 4,327 |
| Assets per employee ($millions) | 5.8892% | 1,551 |
| Cash dividends to net income (ytd only)* | 70.4416% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2715% | 423 |
| Loan loss allowance to noncurrent loans | 148.9377% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.9537% | 1,987 |
| Noncurrent loans to loans | 1.5252% | 1,310 |
| Net loans and leases to total assets | 57.8477% | 4,081 |
| Net loans and leases to deposits | 73.4700% | 3,569 |
| Net loans and leases to core deposits | 80.1700% | 3,381 |
| Total domestic deposits to total assets | 78.7364% | 4,857 |
| Equity capital to assets | 8.8561% | 4,962 |
| Core capital (leverage) ratio | 8.9168% | 4,836 |
| Tier 1 risk-based capital ratio | 14.8467% | 3,031 |
| Total risk-based capital ratio | 16.1087% | 2,962 |
| Memoranda: | ||
| Average total assets | $312,197,600 | 2,105 |
| Average earning assets | $291,394,000 | 2,090 |
| Average equity | $28,340,400 | 2,489 |
| Average total loans | $187,756,200 | 2,231 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7337% | 4,129 |
| Cost of funding earning assets | 0.6267% | 1,158 |
| Net interest margin | 3.1070% | 4,755 |
| Noninterest income to average assets | 0.4870% | 3,341 |
| Noninterest expense to average assets | 1.9566% | 5,286 |
| Loan and lease loss provision to assets | 0.1352% | 1,738 |
| Net operating income to assets | 1.2838% | 1,344 |
| Return on assets (ROA) | 1.3014% | 1,387 |
| Pretax return on assets | 1.3014% | 2,427 |
| Return on Equity (ROE) | 14.2469% | 772 |
| Retained earnings to average equity (ytd only) | 8.6101% | 935 |
| Net charge-offs to loans | 0.0540% | 2,590 |
| Credit loss provision to net charge-offs | 414.4737% | 820 |
| Earnings coverage of net charge-offs (x) | 43.5135% | 1,175 |
| Efficiency ratio | 57.9636% | 4,818 |
| Assets per employee ($millions) | 6.0934% | 1,360 |
| Cash dividends to net income (ytd only)* | 39.5648% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2867% | 447 |
| Loan loss allowance to noncurrent loans | 133.5952% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 1.0652% | 1,932 |
| Noncurrent loans to loans | 1.7116% | 1,224 |
| Net loans and leases to total assets | 56.2480% | 4,281 |
| Net loans and leases to deposits | 71.5922% | 3,836 |
| Net loans and leases to core deposits | 78.6363% | 3,596 |
| Total domestic deposits to total assets | 78.5673% | 4,816 |
| Equity capital to assets | 9.0819% | 5,095 |
| Core capital (leverage) ratio | 9.3341% | 4,413 |
| Tier 1 risk-based capital ratio | 15.1922% | 2,958 |
| Total risk-based capital ratio | 16.4540% | 2,893 |
| Memoranda: | ||
| Average total assets | $310,742,500 | 2,114 |
| Average earning assets | $288,893,500 | 2,114 |
| Average equity | $28,384,500 | 2,506 |
| Average total loans | $187,634,750 | 2,232 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7123% | 4,255 |
| Cost of funding earning assets | 0.6143% | 1,229 |
| Net interest margin | 3.0979% | 4,839 |
| Noninterest income to average assets | 0.4983% | 3,205 |
| Noninterest expense to average assets | 2.0237% | 5,223 |
| Loan and lease loss provision to assets | 0.1565% | 1,454 |
| Net operating income to assets | 1.2385% | 1,469 |
| Return on assets (ROA) | 1.2652% | 1,491 |
| Pretax return on assets | 1.2652% | 2,539 |
| Return on Equity (ROE) | 13.8229% | 865 |
| Retained earnings to average equity (ytd only) | 8.1227% | 1,137 |
| Net charge-offs to loans | 0.0414% | 2,635 |
| Credit loss provision to net charge-offs | 615.3846% | 551 |
| Earnings coverage of net charge-offs (x) | 54.8462% | 932 |
| Efficiency ratio | 59.1950% | 4,746 |
| Assets per employee ($millions) | 5.6764% | 1,643 |
| Cash dividends to net income (ytd only)* | 41.2371% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2200% | 529 |
| Loan loss allowance to noncurrent loans | 167.2489% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.8854% | 2,384 |
| Noncurrent loans to loans | 1.3274% | 1,696 |
| Net loans and leases to total assets | 60.5365% | 3,813 |
| Net loans and leases to deposits | 75.1817% | 3,463 |
| Net loans and leases to core deposits | 82.6352% | 3,216 |
| Total domestic deposits to total assets | 80.5203% | 4,404 |
| Equity capital to assets | 9.3670% | 4,896 |
| Core capital (leverage) ratio | 9.2586% | 4,508 |
| Tier 1 risk-based capital ratio | 14.7127% | 3,199 |
| Total risk-based capital ratio | 15.9741% | 3,143 |
| Memoranda: | ||
| Average total assets | $306,673,330 | 2,137 |
| Average earning assets | $289,096,330 | 2,117 |
| Average equity | $28,069,330 | 2,530 |
| Average total loans | $188,211,670 | 2,232 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6241% | 4,553 |
| Cost of funding earning assets | 0.6022% | 1,319 |
| Net interest margin | 3.0219% | 5,067 |
| Noninterest income to average assets | 0.6116% | 2,460 |
| Noninterest expense to average assets | 2.0564% | 5,210 |
| Loan and lease loss provision to assets | 0.1565% | 1,337 |
| Net operating income to assets | 1.2584% | 1,384 |
| Return on assets (ROA) | 1.2584% | 1,476 |
| Pretax return on assets | 1.2584% | 2,477 |
| Return on Equity (ROE) | 13.9109% | 856 |
| Retained earnings to average equity (ytd only) | 8.1447% | 1,393 |
| Net charge-offs to loans | 0.2348% | 873 |
| Credit loss provision to net charge-offs | 109.0909% | 1,526 |
| Earnings coverage of net charge-offs (x) | 9.8636% | 1,957 |
| Efficiency ratio | 59.2412% | 4,847 |
| Assets per employee ($millions) | 5.7455% | 1,627 |
| Cash dividends to net income (ytd only)* | 41.4508% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1373% | 642 |
| Loan loss allowance to noncurrent loans | 138.2606% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.9585% | 2,308 |
| Noncurrent loans to loans | 1.5459% | 1,512 |
| Net loans and leases to total assets | 58.2763% | 4,014 |
| Net loans and leases to deposits | 71.8232% | 3,665 |
| Net loans and leases to core deposits | 78.1438% | 3,478 |
| Total domestic deposits to total assets | 81.1386% | 4,453 |
| Equity capital to assets | 8.8935% | 5,270 |
| Core capital (leverage) ratio | 9.2747% | 4,518 |
| Tier 1 risk-based capital ratio | 14.3180% | 3,488 |
| Total risk-based capital ratio | 15.5779% | 3,408 |
| Memoranda: | ||
| Average total assets | $306,748,000 | 2,147 |
| Average earning assets | $290,278,000 | 2,125 |
| Average equity | $27,748,000 | 2,545 |
| Average total loans | $187,431,500 | 2,234 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6580% | 4,496 |
| Cost of funding earning assets | 0.5961% | 1,388 |
| Net interest margin | 3.0619% | 4,999 |
| Noninterest income to average assets | 0.5858% | 2,800 |
| Noninterest expense to average assets | 2.1207% | 5,216 |
| Loan and lease loss provision to assets | 0.1411% | 1,683 |
| Net operating income to assets | 1.2431% | 1,406 |
| Return on assets (ROA) | 1.2451% | 1,454 |
| Pretax return on assets | 1.2451% | 2,486 |
| Return on Equity (ROE) | 13.6459% | 919 |
| Retained earnings to average equity (ytd only) | 4.4431% | 2,822 |
| Net charge-offs to loans | 0.2368% | 1,257 |
| Credit loss provision to net charge-offs | 98.5915% | 2,578 |
| Earnings coverage of net charge-offs (x) | 9.6737% | 2,794 |
| Efficiency ratio | 60.5079% | 4,840 |
| Assets per employee ($millions) | 5.4089% | 1,896 |
| Cash dividends to net income (ytd only)* | 67.4400% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1491% | 640 |
| Loan loss allowance to noncurrent loans | 192.9774% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.7768% | 2,736 |
| Noncurrent loans to loans | 1.1136% | 2,111 |
| Net loans and leases to total assets | 61.4045% | 3,639 |
| Net loans and leases to deposits | 76.4137% | 3,203 |
| Net loans and leases to core deposits | 83.3883% | 3,012 |
| Total domestic deposits to total assets | 80.3581% | 4,649 |
| Equity capital to assets | 9.2077% | 4,894 |
| Core capital (leverage) ratio | 9.2860% | 4,498 |
| Tier 1 risk-based capital ratio | 14.1928% | 3,610 |
| Total risk-based capital ratio | 15.4529% | 3,520 |
| Memoranda: | ||
| Average total assets | $297,731,000 | 2,160 |
| Average earning assets | $283,846,000 | 2,111 |
| Average equity | $27,165,600 | 2,530 |
| Average total loans | $179,898,000 | 2,241 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6065% | 4,720 |
| Cost of funding earning assets | 0.5891% | 1,475 |
| Net interest margin | 3.0175% | 5,154 |
| Noninterest income to average assets | 0.4876% | 3,463 |
| Noninterest expense to average assets | 1.8796% | 5,668 |
| Loan and lease loss provision to assets | 0.1410% | 1,574 |
| Net operating income to assets | 1.3499% | 1,229 |
| Return on assets (ROA) | 1.3499% | 1,272 |
| Pretax return on assets | 1.3499% | 2,210 |
| Return on Equity (ROE) | 14.8287% | 748 |
| Retained earnings to average equity (ytd only) | 8.9267% | 930 |
| Net charge-offs to loans | 0.1332% | 1,803 |
| Credit loss provision to net charge-offs | 176.9663% | 1,490 |
| Earnings coverage of net charge-offs (x) | 18.7077% | 1,984 |
| Efficiency ratio | 55.7651% | 5,378 |
| Assets per employee ($millions) | 5.2402% | 2,017 |
| Cash dividends to net income (ytd only)* | 39.8010% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2682% | 594 |
| Loan loss allowance to noncurrent loans | 198.3294% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.9701% | 2,423 |
| Noncurrent loans to loans | 1.1436% | 2,222 |
| Net loans and leases to total assets | 62.1179% | 3,587 |
| Net loans and leases to deposits | 78.0589% | 3,094 |
| Net loans and leases to core deposits | 85.8288% | 2,869 |
| Total domestic deposits to total assets | 79.5783% | 4,843 |
| Equity capital to assets | 9.7622% | 4,429 |
| Core capital (leverage) ratio | 9.4552% | 4,358 |
| Tier 1 risk-based capital ratio | 14.7982% | 3,387 |
| Total risk-based capital ratio | 16.0598% | 3,329 |
| Memoranda: | ||
| Average total assets | $297,791,000 | 2,174 |
| Average earning assets | $284,515,500 | 2,116 |
| Average equity | $27,109,000 | 2,552 |
| Average total loans | $178,201,250 | 2,265 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4912% | 5,010 |
| Cost of funding earning assets | 0.5765% | 1,599 |
| Net interest margin | 2.9147% | 5,417 |
| Noninterest income to average assets | 0.4678% | 3,575 |
| Noninterest expense to average assets | 1.8626% | 5,766 |
| Loan and lease loss provision to assets | 0.1395% | 1,563 |
| Net operating income to assets | 1.2572% | 1,437 |
| Return on assets (ROA) | 1.2572% | 1,491 |
| Pretax return on assets | 1.2572% | 2,520 |
| Return on Equity (ROE) | 14.1370% | 876 |
| Retained earnings to average equity (ytd only) | 8.1594% | 1,203 |
| Net charge-offs to loans | 0.0952% | 2,068 |
| Credit loss provision to net charge-offs | 250.0000% | 1,047 |
| Earnings coverage of net charge-offs (x) | 25.0238% | 1,538 |
| Efficiency ratio | 57.1458% | 5,319 |
| Assets per employee ($millions) | 5.9738% | 1,377 |
| Cash dividends to net income (ytd only)* | 42.2833% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2776% | 651 |
| Loan loss allowance to noncurrent loans | 163.7945% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 1.0620% | 2,383 |
| Noncurrent loans to loans | 1.3905% | 1,945 |
| Net loans and leases to total assets | 59.5275% | 3,900 |
| Net loans and leases to deposits | 73.1828% | 3,596 |
| Net loans and leases to core deposits | 79.7165% | 3,422 |
| Total domestic deposits to total assets | 81.3408% | 4,505 |
| Equity capital to assets | 9.1219% | 5,119 |
| Core capital (leverage) ratio | 8.9600% | 5,023 |
| Tier 1 risk-based capital ratio | 14.5111% | 3,630 |
| Total risk-based capital ratio | 15.7728% | 3,553 |
| Memoranda: | ||
| Average total assets | $300,983,670 | 2,180 |
| Average earning assets | $288,267,000 | 2,113 |
| Average equity | $26,766,670 | 2,583 |
| Average total loans | $176,539,330 | 2,291 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3544% | 5,316 |
| Cost of funding earning assets | 0.5644% | 1,709 |
| Net interest margin | 2.7901% | 5,664 |
| Noninterest income to average assets | 0.4448% | 3,668 |
| Noninterest expense to average assets | 1.8389% | 5,840 |
| Loan and lease loss provision to assets | 0.1390% | 1,480 |
| Net operating income to assets | 1.1373% | 1,734 |
| Return on assets (ROA) | 1.1373% | 1,842 |
| Pretax return on assets | 1.1373% | 2,919 |
| Return on Equity (ROE) | 12.9528% | 1,103 |
| Retained earnings to average equity (ytd only) | 6.9213% | 2,041 |
| Net charge-offs to loans | 0.1864% | 1,183 |
| Credit loss provision to net charge-offs | 129.6296% | 1,370 |
| Earnings coverage of net charge-offs (x) | 11.9012% | 1,830 |
| Efficiency ratio | 59.0310% | 5,222 |
| Assets per employee ($millions) | 6.2975% | 1,185 |
| Cash dividends to net income (ytd only)* | 46.5658% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2852% | 717 |
| Loan loss allowance to noncurrent loans | 145.8318% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 1.1060% | 2,424 |
| Noncurrent loans to loans | 1.5670% | 1,784 |
| Net loans and leases to total assets | 55.9954% | 4,201 |
| Net loans and leases to deposits | 68.1057% | 3,943 |
| Net loans and leases to core deposits | 73.8866% | 3,789 |
| Total domestic deposits to total assets | 82.2184% | 4,450 |
| Equity capital to assets | 8.6941% | 5,579 |
| Core capital (leverage) ratio | 8.9198% | 5,050 |
| Tier 1 risk-based capital ratio | 14.5315% | 3,700 |
| Total risk-based capital ratio | 15.7931% | 3,625 |
| Memoranda: | ||
| Average total assets | $302,131,000 | 2,187 |
| Average earning assets | $289,170,000 | 2,118 |
| Average equity | $26,527,000 | 2,626 |
| Average total loans | $173,836,000 | 2,331 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5922% | 5,103 |
| Cost of funding earning assets | 0.5995% | 1,762 |
| Net interest margin | 2.9928% | 5,462 |
| Noninterest income to average assets | 0.4675% | 3,732 |
| Noninterest expense to average assets | 1.9366% | 5,885 |
| Loan and lease loss provision to assets | 0.2131% | 1,171 |
| Net operating income to assets | 1.1800% | 1,644 |
| Return on assets (ROA) | 1.2185% | 1,584 |
| Pretax return on assets | 1.2185% | 2,577 |
| Return on Equity (ROE) | 13.4963% | 1,040 |
| Retained earnings to average equity (ytd only) | 4.6638% | 2,846 |
| Net charge-offs to loans | 0.3137% | 1,402 |
| Credit loss provision to net charge-offs | 119.4605% | 2,015 |
| Earnings coverage of net charge-offs (x) | 7.8092% | 2,972 |
| Efficiency ratio | 58.1604% | 5,441 |
| Assets per employee ($millions) | 6.0344% | 1,352 |
| Cash dividends to net income (ytd only)* | 65.4443% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3519% | 672 |
| Loan loss allowance to noncurrent loans | 125.6018% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 1.3274% | 2,116 |
| Noncurrent loans to loans | 1.8725% | 1,514 |
| Net loans and leases to total assets | 56.4195% | 4,271 |
| Net loans and leases to deposits | 68.3139% | 4,096 |
| Net loans and leases to core deposits | 74.4740% | 3,877 |
| Total domestic deposits to total assets | 82.5886% | 4,223 |
| Equity capital to assets | 8.8696% | 5,413 |
| Core capital (leverage) ratio | 9.1249% | 4,788 |
| Tier 1 risk-based capital ratio | 14.1741% | 3,982 |
| Total risk-based capital ratio | 15.4355% | 3,905 |
| Memoranda: | ||
| Average total assets | $290,923,800 | 2,206 |
| Average earning assets | $278,238,600 | 2,142 |
| Average equity | $26,266,400 | 2,547 |
| Average total loans | $165,464,800 | 2,371 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6081% | 5,120 |
| Cost of funding earning assets | 0.6076% | 1,767 |
| Net interest margin | 3.0005% | 5,503 |
| Noninterest income to average assets | 0.4666% | 3,755 |
| Noninterest expense to average assets | 1.8154% | 6,071 |
| Loan and lease loss provision to assets | 0.1450% | 1,725 |
| Net operating income to assets | 1.3741% | 1,187 |
| Return on assets (ROA) | 1.4252% | 1,121 |
| Pretax return on assets | 1.4252% | 1,906 |
| Return on Equity (ROE) | 15.7145% | 710 |
| Retained earnings to average equity (ytd only) | 11.5284% | 454 |
| Net charge-offs to loans | 0.0211% | 4,101 |
| Credit loss provision to net charge-offs | 1,211.5385% | 282 |
| Earnings coverage of net charge-offs (x) | 126.9461% | 472 |
| Efficiency ratio | 54.4438% | 5,780 |
| Assets per employee ($millions) | 5.8991% | 1,405 |
| Cash dividends to net income (ytd only)* | 26.6386% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4818% | 663 |
| Loan loss allowance to noncurrent loans | 174.4504% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 1.1096% | 2,733 |
| Noncurrent loans to loans | 1.4227% | 2,287 |
| Net loans and leases to total assets | 58.3655% | 4,023 |
| Net loans and leases to deposits | 71.3356% | 3,759 |
| Net loans and leases to core deposits | 79.2354% | 3,404 |
| Total domestic deposits to total assets | 81.8182% | 4,542 |
| Equity capital to assets | 9.6861% | 4,565 |
| Core capital (leverage) ratio | 9.6467% | 4,159 |
| Tier 1 risk-based capital ratio | 14.8803% | 3,661 |
| Total risk-based capital ratio | 16.1431% | 3,587 |
| Memoranda: | ||
| Average total assets | $289,733,500 | 2,227 |
| Average earning assets | $276,927,500 | 2,163 |
| Average equity | $26,276,500 | 2,553 |
| Average total loans | $164,120,500 | 2,400 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5549% | 5,273 |
| Cost of funding earning assets | 0.6138% | 1,779 |
| Net interest margin | 2.9411% | 5,657 |
| Noninterest income to average assets | 0.4467% | 3,895 |
| Noninterest expense to average assets | 1.8594% | 6,065 |
| Loan and lease loss provision to assets | 0.1439% | 1,720 |
| Net operating income to assets | 1.2469% | 1,455 |
| Return on assets (ROA) | 1.2688% | 1,454 |
| Pretax return on assets | 1.2688% | 2,373 |
| Return on Equity (ROE) | 14.3050% | 901 |
| Retained earnings to average equity (ytd only) | 10.1726% | 683 |
| Net charge-offs to loans | 0.0271% | 3,651 |
| Credit loss provision to net charge-offs | 954.5455% | 345 |
| Earnings coverage of net charge-offs (x) | 92.2727% | 591 |
| Efficiency ratio | 57.2091% | 5,637 |
| Assets per employee ($millions) | 5.9130% | 1,344 |
| Cash dividends to net income (ytd only)* | 28.8877% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5246% | 688 |
| Loan loss allowance to noncurrent loans | 210.7290% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.9397% | 3,190 |
| Noncurrent loans to loans | 1.1980% | 2,836 |
| Net loans and leases to total assets | 55.8434% | 4,307 |
| Net loans and leases to deposits | 67.8409% | 4,069 |
| Net loans and leases to core deposits | 75.0969% | 3,725 |
| Total domestic deposits to total assets | 82.3152% | 4,541 |
| Equity capital to assets | 9.3564% | 4,909 |
| Core capital (leverage) ratio | 9.0576% | 4,930 |
| Tier 1 risk-based capital ratio | 14.5221% | 3,914 |
| Total risk-based capital ratio | 15.7845% | 3,848 |
| Memoranda: | ||
| Average total assets | $291,925,670 | 2,214 |
| Average earning assets | $278,262,330 | 2,151 |
| Average equity | $25,893,000 | 2,574 |
| Average total loans | $162,336,670 | 2,423 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4967% | 5,435 |
| Cost of funding earning assets | 0.6284% | 1,747 |
| Net interest margin | 2.8683% | 5,814 |
| Noninterest income to average assets | 0.4014% | 4,173 |
| Noninterest expense to average assets | 1.8542% | 6,137 |
| Loan and lease loss provision to assets | 0.1419% | 1,717 |
| Net operating income to assets | 1.1258% | 1,717 |
| Return on assets (ROA) | 1.1258% | 1,780 |
| Pretax return on assets | 1.1258% | 2,788 |
| Return on Equity (ROE) | 13.0352% | 1,153 |
| Retained earnings to average equity (ytd only) | 9.1231% | 1,212 |
| Net charge-offs to loans | 0.0296% | 2,990 |
| Credit loss provision to net charge-offs | 875.0000% | 347 |
| Earnings coverage of net charge-offs (x) | 78.1667% | 549 |
| Efficiency ratio | 59.3939% | 5,491 |
| Assets per employee ($millions) | 6.2838% | 1,126 |
| Cash dividends to net income (ytd only)* | 30.0120% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5007% | 810 |
| Loan loss allowance to noncurrent loans | 327.6961% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.6143% | 4,291 |
| Noncurrent loans to loans | 0.7631% | 3,959 |
| Net loans and leases to total assets | 51.8472% | 4,692 |
| Net loans and leases to deposits | 62.0380% | 4,540 |
| Net loans and leases to core deposits | 67.8298% | 4,331 |
| Total domestic deposits to total assets | 83.5732% | 4,431 |
| Equity capital to assets | 8.5879% | 5,564 |
| Core capital (leverage) ratio | 8.6230% | 5,502 |
| Tier 1 risk-based capital ratio | 14.3799% | 4,078 |
| Total risk-based capital ratio | 15.6423% | 4,029 |
| Memoranda: | ||
| Average total assets | $295,975,500 | 2,196 |
| Average earning assets | $280,723,500 | 2,140 |
| Average equity | $25,561,500 | 2,589 |
| Average total loans | $162,203,500 | 2,434 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7682% | 4,913 |
| Cost of funding earning assets | 0.7601% | 1,439 |
| Net interest margin | 3.0082% | 5,563 |
| Noninterest income to average assets | 0.4477% | 4,101 |
| Noninterest expense to average assets | 1.9495% | 6,107 |
| Loan and lease loss provision to assets | 0.1581% | 2,305 |
| Net operating income to assets | 1.2035% | 1,550 |
| Return on assets (ROA) | 1.2263% | 1,528 |
| Pretax return on assets | 1.2263% | 2,474 |
| Return on Equity (ROE) | 14.0683% | 937 |
| Retained earnings to average equity (ytd only) | 6.3730% | 1,759 |
| Net charge-offs to loans | 0.0541% | 4,467 |
| Credit loss provision to net charge-offs | 517.2414% | 453 |
| Earnings coverage of net charge-offs (x) | 44.5402% | 866 |
| Efficiency ratio | 58.8772% | 5,624 |
| Assets per employee ($millions) | 5.9251% | 1,321 |
| Cash dividends to net income (ytd only)* | 54.6991% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3882% | 945 |
| Loan loss allowance to noncurrent loans | 135.8654% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 1.1756% | 3,051 |
| Noncurrent loans to loans | 1.7578% | 2,293 |
| Net loans and leases to total assets | 55.1431% | 4,442 |
| Net loans and leases to deposits | 66.3198% | 4,262 |
| Net loans and leases to core deposits | 72.9370% | 3,958 |
| Total domestic deposits to total assets | 83.1473% | 4,494 |
| Equity capital to assets | 8.6867% | 5,386 |
| Core capital (leverage) ratio | 8.6222% | 5,514 |
| Tier 1 risk-based capital ratio | 13.7974% | 4,441 |
| Total risk-based capital ratio | 15.0585% | 4,380 |
| Memoranda: | ||
| Average total assets | $284,588,000 | 2,238 |
| Average earning assets | $270,895,000 | 2,170 |
| Average equity | $24,807,600 | 2,645 |
| Average total loans | $160,824,200 | 2,414 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7314% | 5,082 |
| Cost of funding earning assets | 0.7835% | 1,413 |
| Net interest margin | 2.9480% | 5,700 |
| Noninterest income to average assets | 0.4648% | 4,040 |
| Noninterest expense to average assets | 1.8520% | 6,254 |
| Loan and lease loss provision to assets | 0.1766% | 2,061 |
| Net operating income to assets | 1.2587% | 1,457 |
| Return on assets (ROA) | 1.2893% | 1,445 |
| Pretax return on assets | 1.2893% | 2,369 |
| Return on Equity (ROE) | 14.7770% | 837 |
| Retained earnings to average equity (ytd only) | 10.6267% | 654 |
| Net charge-offs to loans | 0.1050% | 3,485 |
| Credit loss provision to net charge-offs | 297.6190% | 858 |
| Earnings coverage of net charge-offs (x) | 24.1899% | 1,432 |
| Efficiency ratio | 56.3386% | 5,863 |
| Assets per employee ($millions) | 5.5604% | 1,572 |
| Cash dividends to net income (ytd only)* | 28.0862% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3476% | 1,110 |
| Loan loss allowance to noncurrent loans | 133.4386% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 1.3704% | 2,907 |
| Noncurrent loans to loans | 1.7593% | 2,558 |
| Net loans and leases to total assets | 56.8997% | 4,189 |
| Net loans and leases to deposits | 69.9895% | 3,789 |
| Net loans and leases to core deposits | 77.7461% | 3,391 |
| Total domestic deposits to total assets | 81.2975% | 5,140 |
| Equity capital to assets | 9.1112% | 5,041 |
| Core capital (leverage) ratio | 9.0065% | 5,119 |
| Tier 1 risk-based capital ratio | 14.2343% | 4,265 |
| Total risk-based capital ratio | 15.4952% | 4,200 |
| Memoranda: | ||
| Average total assets | $283,153,000 | 2,257 |
| Average earning assets | $271,095,750 | 2,180 |
| Average equity | $24,704,500 | 2,679 |
| Average total loans | $160,027,000 | 2,440 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7068% | 5,124 |
| Cost of funding earning assets | 0.8041% | 1,390 |
| Net interest margin | 2.9027% | 5,798 |
| Noninterest income to average assets | 0.4571% | 4,114 |
| Noninterest expense to average assets | 1.8233% | 6,336 |
| Loan and lease loss provision to assets | 0.2106% | 1,802 |
| Net operating income to assets | 1.1985% | 1,601 |
| Return on assets (ROA) | 1.1985% | 1,706 |
| Pretax return on assets | 1.1985% | 2,683 |
| Return on Equity (ROE) | 13.9372% | 1,020 |
| Retained earnings to average equity (ytd only) | 9.4956% | 969 |
| Net charge-offs to loans | 0.0841% | 3,528 |
| Credit loss provision to net charge-offs | 447.7612% | 608 |
| Earnings coverage of net charge-offs (x) | 29.9552% | 1,147 |
| Efficiency ratio | 56.4075% | 5,911 |
| Assets per employee ($millions) | 5.3187% | 1,771 |
| Cash dividends to net income (ytd only)* | 31.8688% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3738% | 1,130 |
| Loan loss allowance to noncurrent loans | 138.8196% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 1.3090% | 3,159 |
| Noncurrent loans to loans | 1.7100% | 2,749 |
| Net loans and leases to total assets | 55.2497% | 4,410 |
| Net loans and leases to deposits | 67.5562% | 4,074 |
| Net loans and leases to core deposits | 75.5518% | 3,600 |
| Total domestic deposits to total assets | 81.7834% | 5,122 |
| Equity capital to assets | 8.8704% | 5,369 |
| Core capital (leverage) ratio | 8.6316% | 5,515 |
| Tier 1 risk-based capital ratio | 13.9703% | 4,442 |
| Total risk-based capital ratio | 15.2314% | 4,402 |
| Memoranda: | ||
| Average total assets | $284,863,670 | 2,255 |
| Average earning assets | $272,363,670 | 2,176 |
| Average equity | $24,495,670 | 2,717 |
| Average total loans | $159,370,670 | 2,450 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6964% | 5,181 |
| Cost of funding earning assets | 0.8122% | 1,464 |
| Net interest margin | 2.8842% | 5,844 |
| Noninterest income to average assets | 0.4386% | 4,189 |
| Noninterest expense to average assets | 1.8998% | 6,275 |
| Loan and lease loss provision to assets | 0.2095% | 1,771 |
| Net operating income to assets | 1.0924% | 1,885 |
| Return on assets (ROA) | 1.0924% | 1,991 |
| Pretax return on assets | 1.0924% | 2,984 |
| Return on Equity (ROE) | 12.9038% | 1,193 |
| Retained earnings to average equity (ytd only) | 7.9535% | 1,769 |
| Net charge-offs to loans | -0.0025% | 5,174 |
| Credit loss provision to net charge-offs | -15,000.0000% | 5,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3368% | 5,678 |
| Assets per employee ($millions) | 5.9729% | 1,271 |
| Cash dividends to net income (ytd only)* | 38.3632% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3081% | 1,399 |
| Loan loss allowance to noncurrent loans | 96.9895% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 1.6893% | 2,755 |
| Noncurrent loans to loans | 2.3797% | 2,185 |
| Net loans and leases to total assets | 53.5816% | 4,477 |
| Net loans and leases to deposits | 64.7659% | 4,217 |
| Net loans and leases to core deposits | 71.4965% | 3,883 |
| Total domestic deposits to total assets | 82.7312% | 4,941 |
| Equity capital to assets | 8.3721% | 6,128 |
| Core capital (leverage) ratio | 8.2936% | 5,832 |
| Tier 1 risk-based capital ratio | 13.5337% | 4,847 |
| Total risk-based capital ratio | 14.7942% | 4,797 |
| Memoranda: | ||
| Average total assets | $286,350,000 | 2,274 |
| Average earning assets | $274,320,000 | 2,187 |
| Average equity | $24,241,000 | 2,783 |
| Average total loans | $159,290,500 | 2,456 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0404% | 5,187 |
| Cost of funding earning assets | 0.8969% | 1,953 |
| Net interest margin | 3.1436% | 5,713 |
| Noninterest income to average assets | 0.4245% | 4,418 |
| Noninterest expense to average assets | 1.9541% | 6,411 |
| Loan and lease loss provision to assets | 0.2203% | 2,932 |
| Net operating income to assets | 1.2642% | 1,409 |
| Return on assets (ROA) | 1.2642% | 1,564 |
| Pretax return on assets | 1.2642% | 2,546 |
| Return on Equity (ROE) | 14.6638% | 881 |
| Retained earnings to average equity (ytd only) | 6.8272% | 1,656 |
| Net charge-offs to loans | 0.1527% | 4,168 |
| Credit loss provision to net charge-offs | 250.0000% | 973 |
| Earnings coverage of net charge-offs (x) | 16.8458% | 1,545 |
| Efficiency ratio | 56.8286% | 5,968 |
| Assets per employee ($millions) | 5.7148% | 1,508 |
| Cash dividends to net income (ytd only)* | 53.4418% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2486% | 1,464 |
| Loan loss allowance to noncurrent loans | 307.1737% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.8146% | 4,435 |
| Noncurrent loans to loans | 0.7320% | 4,713 |
| Net loans and leases to total assets | 55.1743% | 4,427 |
| Net loans and leases to deposits | 66.3772% | 4,232 |
| Net loans and leases to core deposits | 75.2224% | 3,629 |
| Total domestic deposits to total assets | 83.1223% | 4,666 |
| Equity capital to assets | 8.5631% | 5,998 |
| Core capital (leverage) ratio | 8.2554% | 5,936 |
| Tier 1 risk-based capital ratio | 13.3607% | 4,847 |
| Total risk-based capital ratio | 14.6204% | 4,796 |
| Memoranda: | ||
| Average total assets | $272,344,000 | 2,324 |
| Average earning assets | $261,134,800 | 2,223 |
| Average equity | $23,479,600 | 2,803 |
| Average total loans | $157,171,800 | 2,469 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0849% | 5,246 |
| Cost of funding earning assets | 0.9106% | 2,105 |
| Net interest margin | 3.1744% | 5,759 |
| Noninterest income to average assets | 0.5172% | 3,816 |
| Noninterest expense to average assets | 1.8637% | 6,593 |
| Loan and lease loss provision to assets | 0.2219% | 2,842 |
| Net operating income to assets | 1.4757% | 1,065 |
| Return on assets (ROA) | 1.4757% | 1,181 |
| Pretax return on assets | 1.4757% | 1,979 |
| Return on Equity (ROE) | 17.0868% | 599 |
| Retained earnings to average equity (ytd only) | 12.2342% | 494 |
| Net charge-offs to loans | 0.1563% | 3,869 |
| Credit loss provision to net charge-offs | 244.5652% | 1,132 |
| Earnings coverage of net charge-offs (x) | 18.7117% | 1,539 |
| Efficiency ratio | 52.3328% | 6,426 |
| Assets per employee ($millions) | 5.8549% | 1,334 |
| Cash dividends to net income (ytd only)* | 28.3997% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1957% | 1,712 |
| Loan loss allowance to noncurrent loans | 301.9197% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.8753% | 4,534 |
| Noncurrent loans to loans | 0.7272% | 4,973 |
| Net loans and leases to total assets | 54.8405% | 4,613 |
| Net loans and leases to deposits | 65.5216% | 4,533 |
| Net loans and leases to core deposits | 73.1856% | 4,087 |
| Total domestic deposits to total assets | 83.6984% | 4,358 |
| Equity capital to assets | 8.7847% | 6,031 |
| Core capital (leverage) ratio | 8.8094% | 5,333 |
| Tier 1 risk-based capital ratio | 13.6371% | 4,791 |
| Total risk-based capital ratio | 14.8961% | 4,743 |
| Memoranda: | ||
| Average total assets | $270,423,250 | 2,359 |
| Average earning assets | $259,319,750 | 2,261 |
| Average equity | $23,354,750 | 2,838 |
| Average total loans | $156,950,500 | 2,500 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1478% | 5,138 |
| Cost of funding earning assets | 0.9443% | 2,096 |
| Net interest margin | 3.2035% | 5,732 |
| Noninterest income to average assets | 0.5628% | 3,503 |
| Noninterest expense to average assets | 1.9147% | 6,572 |
| Loan and lease loss provision to assets | 0.2248% | 2,832 |
| Net operating income to assets | 1.4868% | 1,015 |
| Return on assets (ROA) | 1.4868% | 1,138 |
| Pretax return on assets | 1.4868% | 1,888 |
| Return on Equity (ROE) | 17.3197% | 599 |
| Retained earnings to average equity (ytd only) | 12.0819% | 566 |
| Net charge-offs to loans | 0.2361% | 3,155 |
| Credit loss provision to net charge-offs | 162.1622% | 1,718 |
| Earnings coverage of net charge-offs (x) | 12.3459% | 1,885 |
| Efficiency ratio | 52.8002% | 6,439 |
| Assets per employee ($millions) | 5.7815% | 1,387 |
| Cash dividends to net income (ytd only)* | 30.2419% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0870% | 2,022 |
| Loan loss allowance to noncurrent loans | 241.1808% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 1.1029% | 4,178 |
| Noncurrent loans to loans | 0.8653% | 4,768 |
| Net loans and leases to total assets | 57.1327% | 4,306 |
| Net loans and leases to deposits | 67.5173% | 4,282 |
| Net loans and leases to core deposits | 75.6180% | 3,803 |
| Total domestic deposits to total assets | 84.6192% | 4,044 |
| Equity capital to assets | 8.7392% | 5,982 |
| Core capital (leverage) ratio | 8.5103% | 5,643 |
| Tier 1 risk-based capital ratio | 13.3791% | 4,914 |
| Total risk-based capital ratio | 14.6375% | 4,871 |
| Memoranda: | ||
| Average total assets | $266,886,670 | 2,397 |
| Average earning assets | $255,218,000 | 2,304 |
| Average equity | $22,910,330 | 2,862 |
| Average total loans | $156,740,670 | 2,508 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1001% | 5,456 |
| Cost of funding earning assets | 0.9764% | 2,126 |
| Net interest margin | 3.1237% | 5,971 |
| Noninterest income to average assets | 0.4916% | 3,970 |
| Noninterest expense to average assets | 1.9662% | 6,525 |
| Loan and lease loss provision to assets | 0.2269% | 2,678 |
| Net operating income to assets | 1.2841% | 1,493 |
| Return on assets (ROA) | 1.2841% | 1,672 |
| Pretax return on assets | 1.2841% | 2,592 |
| Return on Equity (ROE) | 15.0987% | 955 |
| Retained earnings to average equity (ytd only) | 8.8743% | 1,632 |
| Net charge-offs to loans | 0.0257% | 4,324 |
| Credit loss provision to net charge-offs | 1,500.0000% | 217 |
| Earnings coverage of net charge-offs (x) | 99.9000% | 344 |
| Efficiency ratio | 56.5463% | 6,068 |
| Assets per employee ($millions) | 5.9350% | 1,322 |
| Cash dividends to net income (ytd only)* | 41.2250% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1369% | 2,010 |
| Loan loss allowance to noncurrent loans | 274.4033% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 1.0406% | 4,409 |
| Noncurrent loans to loans | 0.7787% | 5,107 |
| Net loans and leases to total assets | 55.9273% | 4,398 |
| Net loans and leases to deposits | 64.6638% | 4,545 |
| Net loans and leases to core deposits | 72.1950% | 4,122 |
| Total domestic deposits to total assets | 86.4894% | 3,251 |
| Equity capital to assets | 8.3569% | 6,215 |
| Core capital (leverage) ratio | 8.3910% | 5,756 |
| Tier 1 risk-based capital ratio | 13.2140% | 5,059 |
| Total risk-based capital ratio | 14.4730% | 5,028 |
| Memoranda: | ||
| Average total assets | $264,465,500 | 2,436 |
| Average earning assets | $252,774,500 | 2,343 |
| Average equity | $22,492,000 | 2,914 |
| Average total loans | $155,833,500 | 2,541 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5020% | 5,062 |
| Cost of funding earning assets | 1.2167% | 1,915 |
| Net interest margin | 3.2853% | 5,855 |
| Noninterest income to average assets | 0.4929% | 3,896 |
| Noninterest expense to average assets | 2.1548% | 6,375 |
| Loan and lease loss provision to assets | 0.2395% | 3,814 |
| Net operating income to assets | 1.2205% | 1,462 |
| Return on assets (ROA) | 1.2205% | 1,567 |
| Pretax return on assets | 1.2205% | 2,389 |
| Return on Equity (ROE) | 14.0018% | 927 |
| Retained earnings to average equity (ytd only) | 6.4606% | 1,764 |
| Net charge-offs to loans | 0.2623% | 4,131 |
| Credit loss provision to net charge-offs | 143.8849% | 2,012 |
| Earnings coverage of net charge-offs (x) | 8.7722% | 2,095 |
| Efficiency ratio | 59.6114% | 5,818 |
| Assets per employee ($millions) | 5.2229% | 1,915 |
| Cash dividends to net income (ytd only)* | 53.8587% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0521% | 2,121 |
| Loan loss allowance to noncurrent loans | 962.0482% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.8299% | 4,968 |
| Noncurrent loans to loans | 0.2133% | 6,312 |
| Net loans and leases to total assets | 59.5699% | 4,066 |
| Net loans and leases to deposits | 69.0958% | 4,261 |
| Net loans and leases to core deposits | 78.1570% | 3,669 |
| Total domestic deposits to total assets | 86.2134% | 3,190 |
| Equity capital to assets | 8.6624% | 5,945 |
| Core capital (leverage) ratio | 8.4715% | 5,611 |
| Tier 1 risk-based capital ratio | 13.0216% | 5,051 |
| Total risk-based capital ratio | 14.2800% | 5,021 |
| Memoranda: | ||
| Average total assets | $250,558,000 | 2,512 |
| Average earning assets | $238,094,000 | 2,421 |
| Average equity | $21,840,000 | 2,910 |
| Average total loans | $159,002,200 | 2,512 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5247% | 5,183 |
| Cost of funding earning assets | 1.2532% | 1,978 |
| Net interest margin | 3.2715% | 5,947 |
| Noninterest income to average assets | 0.4831% | 4,015 |
| Noninterest expense to average assets | 2.0613% | 6,568 |
| Loan and lease loss provision to assets | 0.2408% | 3,601 |
| Net operating income to assets | 1.2872% | 1,415 |
| Return on assets (ROA) | 1.2872% | 1,511 |
| Pretax return on assets | 1.2872% | 2,332 |
| Return on Equity (ROE) | 14.7438% | 881 |
| Retained earnings to average equity (ytd only) | 10.6994% | 682 |
| Net charge-offs to loans | 0.3437% | 3,381 |
| Credit loss provision to net charge-offs | 109.2233% | 3,025 |
| Earnings coverage of net charge-offs (x) | 6.9320% | 2,452 |
| Efficiency ratio | 57.4303% | 6,092 |
| Assets per employee ($millions) | 5.2928% | 1,823 |
| Cash dividends to net income (ytd only)* | 27.4315% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9210% | 2,555 |
| Loan loss allowance to noncurrent loans | 743.6585% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.8734% | 4,993 |
| Noncurrent loans to loans | 0.2583% | 6,358 |
| Net loans and leases to total assets | 61.2741% | 3,889 |
| Net loans and leases to deposits | 71.5385% | 4,058 |
| Net loans and leases to core deposits | 81.8665% | 3,348 |
| Total domestic deposits to total assets | 85.6519% | 3,418 |
| Equity capital to assets | 8.9193% | 5,843 |
| Core capital (leverage) ratio | 8.9923% | 4,944 |
| Tier 1 risk-based capital ratio | 13.2597% | 4,908 |
| Total risk-based capital ratio | 14.5168% | 4,875 |
| Memoranda: | ||
| Average total assets | $249,216,750 | 2,539 |
| Average earning assets | $236,623,750 | 2,442 |
| Average equity | $21,757,750 | 2,905 |
| Average total loans | $159,841,000 | 2,516 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4953% | 5,373 |
| Cost of funding earning assets | 1.2762% | 2,082 |
| Net interest margin | 3.2191% | 6,104 |
| Noninterest income to average assets | 0.4709% | 4,099 |
| Noninterest expense to average assets | 2.0896% | 6,616 |
| Loan and lease loss provision to assets | 0.2423% | 3,482 |
| Net operating income to assets | 1.2011% | 1,567 |
| Return on assets (ROA) | 1.2011% | 1,649 |
| Pretax return on assets | 1.2011% | 2,474 |
| Return on Equity (ROE) | 13.8603% | 1,003 |
| Retained earnings to average equity (ytd only) | 9.8989% | 873 |
| Net charge-offs to loans | 0.3358% | 3,221 |
| Credit loss provision to net charge-offs | 111.5242% | 2,750 |
| Earnings coverage of net charge-offs (x) | 6.6431% | 2,360 |
| Efficiency ratio | 59.1449% | 6,005 |
| Assets per employee ($millions) | 5.2819% | 1,783 |
| Cash dividends to net income (ytd only)* | 28.5810% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9069% | 2,645 |
| Loan loss allowance to noncurrent loans | 655.6034% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.7835% | 5,328 |
| Noncurrent loans to loans | 0.2909% | 6,337 |
| Net loans and leases to total assets | 63.0367% | 3,670 |
| Net loans and leases to deposits | 73.2423% | 3,911 |
| Net loans and leases to core deposits | 82.8102% | 3,390 |
| Total domestic deposits to total assets | 86.0660% | 3,291 |
| Equity capital to assets | 8.8621% | 5,752 |
| Core capital (leverage) ratio | 8.5864% | 5,420 |
| Tier 1 risk-based capital ratio | 13.2048% | 4,767 |
| Total risk-based capital ratio | 14.4628% | 4,736 |
| Memoranda: | ||
| Average total assets | $247,604,000 | 2,575 |
| Average earning assets | $235,534,000 | 2,468 |
| Average equity | $21,457,000 | 2,932 |
| Average total loans | $160,215,000 | 2,535 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4383% | 5,558 |
| Cost of funding earning assets | 1.2888% | 2,250 |
| Net interest margin | 3.1496% | 6,218 |
| Noninterest income to average assets | 0.4303% | 4,449 |
| Noninterest expense to average assets | 2.2032% | 6,417 |
| Loan and lease loss provision to assets | 0.2426% | 3,244 |
| Net operating income to assets | 0.9770% | 2,256 |
| Return on assets (ROA) | 0.9770% | 2,316 |
| Pretax return on assets | 0.9770% | 3,213 |
| Return on Equity (ROE) | 11.4040% | 1,621 |
| Retained earnings to average equity (ytd only) | 11.4040% | 828 |
| Net charge-offs to loans | 0.2666% | 3,001 |
| Credit loss provision to net charge-offs | 140.1869% | 2,000 |
| Earnings coverage of net charge-offs (x) | 7.0467% | 2,006 |
| Efficiency ratio | 64.3667% | 5,303 |
| Assets per employee ($millions) | 5.3837% | 1,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9717% | 2,489 |
| Loan loss allowance to noncurrent loans | 234.3822% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.8111% | 5,285 |
| Noncurrent loans to loans | 0.8412% | 5,358 |
| Net loans and leases to total assets | 58.7558% | 4,507 |
| Net loans and leases to deposits | 67.9208% | 4,692 |
| Net loans and leases to core deposits | 76.3523% | 4,258 |
| Total domestic deposits to total assets | 86.5063% | 3,229 |
| Equity capital to assets | 8.3160% | 6,143 |
| Core capital (leverage) ratio | 8.4267% | 5,580 |
| Tier 1 risk-based capital ratio | 13.2730% | 4,601 |
| Total risk-based capital ratio | 14.5316% | 4,569 |
| Memoranda: | ||
| Average total assets | $247,281,500 | 2,589 |
| Average earning assets | $234,954,000 | 2,494 |
| Average equity | $21,185,500 | 2,962 |
| Average total loans | $160,557,500 | 2,553 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0831% | 4,176 |
| Cost of funding earning assets | 1.5123% | 2,563 |
| Net interest margin | 3.5708% | 4,960 |
| Noninterest income to average assets | 0.5873% | 3,554 |
| Noninterest expense to average assets | 2.1917% | 6,637 |
| Loan and lease loss provision to assets | 0.3663% | 3,920 |
| Net operating income to assets | 1.4126% | 920 |
| Return on assets (ROA) | 1.4126% | 991 |
| Pretax return on assets | 1.4126% | 1,627 |
| Return on Equity (ROE) | 16.0184% | 580 |
| Retained earnings to average equity (ytd only) | 8.1558% | 935 |
| Net charge-offs to loans | 0.2061% | 5,053 |
| Credit loss provision to net charge-offs | 250.7375% | 1,128 |
| Earnings coverage of net charge-offs (x) | 12.1770% | 1,535 |
| Efficiency ratio | 55.1986% | 6,692 |
| Assets per employee ($millions) | 4.9197% | 2,261 |
| Cash dividends to net income (ytd only)* | 49.0848% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8114% | 2,828 |
| Loan loss allowance to noncurrent loans | 374.9689% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.4302% | 6,199 |
| Noncurrent loans to loans | 0.4831% | 6,072 |
| Net loans and leases to total assets | 69.1161% | 2,737 |
| Net loans and leases to deposits | 80.7923% | 3,027 |
| Net loans and leases to core deposits | 90.9033% | 2,632 |
| Total domestic deposits to total assets | 85.5479% | 3,577 |
| Equity capital to assets | 8.8424% | 5,370 |
| Core capital (leverage) ratio | 8.5907% | 5,210 |
| Tier 1 risk-based capital ratio | 12.4642% | 5,052 |
| Total risk-based capital ratio | 13.7216% | 5,033 |
| Memoranda: | ||
| Average total assets | $232,062,000 | 2,722 |
| Average earning assets | $219,864,000 | 2,637 |
| Average equity | $20,464,000 | 3,082 |
| Average total loans | $164,447,400 | 2,556 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1120% | 4,257 |
| Cost of funding earning assets | 1.5484% | 2,686 |
| Net interest margin | 3.5635% | 5,046 |
| Noninterest income to average assets | 0.6071% | 3,391 |
| Noninterest expense to average assets | 2.0660% | 6,925 |
| Loan and lease loss provision to assets | 0.2885% | 4,267 |
| Net operating income to assets | 1.6233% | 712 |
| Return on assets (ROA) | 1.6233% | 781 |
| Pretax return on assets | 1.6233% | 1,285 |
| Return on Equity (ROE) | 18.4215% | 444 |
| Retained earnings to average equity (ytd only) | 12.7962% | 371 |
| Net charge-offs to loans | 0.2276% | 4,568 |
| Credit loss provision to net charge-offs | 178.5714% | 2,057 |
| Earnings coverage of net charge-offs (x) | 11.8323% | 1,751 |
| Efficiency ratio | 51.9367% | 6,983 |
| Assets per employee ($millions) | 4.9551% | 2,235 |
| Cash dividends to net income (ytd only)* | 30.5367% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6427% | 3,358 |
| Loan loss allowance to noncurrent loans | 582.4411% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.2855% | 6,658 |
| Noncurrent loans to loans | 0.2820% | 6,625 |
| Net loans and leases to total assets | 68.4742% | 3,105 |
| Net loans and leases to deposits | 80.0017% | 3,451 |
| Net loans and leases to core deposits | 89.9337% | 3,101 |
| Total domestic deposits to total assets | 85.5909% | 3,301 |
| Equity capital to assets | 8.9689% | 5,621 |
| Core capital (leverage) ratio | 8.9330% | 4,793 |
| Tier 1 risk-based capital ratio | 12.5936% | 4,896 |
| Total risk-based capital ratio | 13.8489% | 4,874 |
| Memoranda: | ||
| Average total assets | $231,041,000 | 2,770 |
| Average earning assets | $218,541,000 | 2,684 |
| Average equity | $20,359,750 | 3,143 |
| Average total loans | $164,002,750 | 2,601 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1705% | 4,091 |
| Cost of funding earning assets | 1.5725% | 2,815 |
| Net interest margin | 3.5980% | 4,820 |
| Noninterest income to average assets | 0.5849% | 3,448 |
| Noninterest expense to average assets | 2.1401% | 6,790 |
| Loan and lease loss provision to assets | 0.2623% | 4,299 |
| Net operating income to assets | 1.5850% | 749 |
| Return on assets (ROA) | 1.5850% | 805 |
| Pretax return on assets | 1.5850% | 1,342 |
| Return on Equity (ROE) | 18.0977% | 456 |
| Retained earnings to average equity (ytd only) | 12.2981% | 450 |
| Net charge-offs to loans | 0.1272% | 4,922 |
| Credit loss provision to net charge-offs | 288.4615% | 1,290 |
| Earnings coverage of net charge-offs (x) | 20.3173% | 1,221 |
| Efficiency ratio | 53.6724% | 6,916 |
| Assets per employee ($millions) | 4.8014% | 2,446 |
| Cash dividends to net income (ytd only)* | 32.0463% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6369% | 3,303 |
| Loan loss allowance to noncurrent loans | 1,013.5338% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.3350% | 6,584 |
| Noncurrent loans to loans | 0.1615% | 6,938 |
| Net loans and leases to total assets | 70.2967% | 2,839 |
| Net loans and leases to deposits | 83.7733% | 2,911 |
| Net loans and leases to core deposits | 95.0651% | 2,579 |
| Total domestic deposits to total assets | 83.9130% | 4,142 |
| Equity capital to assets | 8.9436% | 5,534 |
| Core capital (leverage) ratio | 8.5373% | 5,351 |
| Tier 1 risk-based capital ratio | 12.2192% | 5,106 |
| Total risk-based capital ratio | 13.4740% | 5,075 |
| Memoranda: | ||
| Average total assets | $228,773,670 | 2,828 |
| Average earning assets | $216,342,670 | 2,727 |
| Average equity | $20,035,670 | 3,167 |
| Average total loans | $163,476,670 | 2,647 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1511% | 4,292 |
| Cost of funding earning assets | 1.5837% | 3,053 |
| Net interest margin | 3.5674% | 4,867 |
| Noninterest income to average assets | 0.5370% | 3,758 |
| Noninterest expense to average assets | 2.1709% | 6,754 |
| Loan and lease loss provision to assets | 0.2632% | 3,929 |
| Net operating income to assets | 1.4671% | 951 |
| Return on assets (ROA) | 1.4671% | 1,022 |
| Pretax return on assets | 1.4671% | 1,603 |
| Return on Equity (ROE) | 16.9338% | 613 |
| Retained earnings to average equity (ytd only) | 11.8699% | 767 |
| Net charge-offs to loans | 0.0467% | 4,942 |
| Credit loss provision to net charge-offs | 789.4737% | 576 |
| Earnings coverage of net charge-offs (x) | 51.8947% | 559 |
| Efficiency ratio | 55.6455% | 6,817 |
| Assets per employee ($millions) | 4.9308% | 2,324 |
| Cash dividends to net income (ytd only)* | 29.9043% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6191% | 3,366 |
| Loan loss allowance to noncurrent loans | 146.4922% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 1.0728% | 4,998 |
| Noncurrent loans to loans | 1.1052% | 5,145 |
| Net loans and leases to total assets | 67.5475% | 3,501 |
| Net loans and leases to deposits | 79.9778% | 3,659 |
| Net loans and leases to core deposits | 90.0646% | 3,355 |
| Total domestic deposits to total assets | 84.4578% | 3,913 |
| Equity capital to assets | 8.4571% | 6,064 |
| Core capital (leverage) ratio | 8.4278% | 5,504 |
| Tier 1 risk-based capital ratio | 12.0060% | 5,188 |
| Total risk-based capital ratio | 13.2609% | 5,147 |
| Memoranda: | ||
| Average total assets | $227,927,500 | 2,897 |
| Average earning assets | $214,943,500 | 2,806 |
| Average equity | $19,747,500 | 3,229 |
| Average total loans | $162,862,000 | 2,722 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5045% | 4,120 |
| Cost of funding earning assets | 1.7829% | 4,086 |
| Net interest margin | 3.7216% | 4,035 |
| Noninterest income to average assets | 0.5142% | 4,295 |
| Noninterest expense to average assets | 2.2465% | 6,879 |
| Loan and lease loss provision to assets | 0.3628% | 4,625 |
| Net operating income to assets | 1.4234% | 810 |
| Return on assets (ROA) | 1.4234% | 863 |
| Pretax return on assets | 1.4053% | 1,424 |
| Return on Equity (ROE) | 16.3095% | 523 |
| Retained earnings to average equity (ytd only) | 4.4736% | 2,121 |
| Net charge-offs to loans | 0.2626% | 4,983 |
| Credit loss provision to net charge-offs | 194.6472% | 2,039 |
| Earnings coverage of net charge-offs (x) | 9.4866% | 1,794 |
| Efficiency ratio | 55.9584% | 7,021 |
| Assets per employee ($millions) | 4.5662% | 2,814 |
| Cash dividends to net income (ytd only)* | 72.5709% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5316% | 3,565 |
| Loan loss allowance to noncurrent loans | 896.0573% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.4663% | 6,295 |
| Noncurrent loans to loans | 0.1709% | 6,994 |
| Net loans and leases to total assets | 73.3302% | 2,418 |
| Net loans and leases to deposits | 88.0529% | 2,550 |
| Net loans and leases to core deposits | 127.2167% | 1,436 |
| Total domestic deposits to total assets | 83.2797% | 4,393 |
| Equity capital to assets | 8.8873% | 5,299 |
| Core capital (leverage) ratio | 8.4320% | 5,383 |
| Tier 1 risk-based capital ratio | 11.4826% | 5,404 |
| Total risk-based capital ratio | 12.7359% | 5,370 |
| Memoranda: | ||
| Average total assets | $220,525,600 | 2,935 |
| Average earning assets | $207,412,200 | 2,866 |
| Average equity | $19,246,400 | 3,308 |
| Average total loans | $156,525,800 | 2,824 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4896% | 4,470 |
| Cost of funding earning assets | 1.8092% | 4,347 |
| Net interest margin | 3.6805% | 4,161 |
| Noninterest income to average assets | 0.4811% | 4,660 |
| Noninterest expense to average assets | 2.1334% | 7,124 |
| Loan and lease loss provision to assets | 0.2717% | 4,794 |
| Net operating income to assets | 1.5671% | 709 |
| Return on assets (ROA) | 1.5671% | 762 |
| Pretax return on assets | 1.5430% | 1,296 |
| Return on Equity (ROE) | 18.0384% | 452 |
| Retained earnings to average equity (ytd only) | 11.6110% | 393 |
| Net charge-offs to loans | 0.1326% | 5,370 |
| Credit loss provision to net charge-offs | 292.2078% | 1,421 |
| Earnings coverage of net charge-offs (x) | 19.5193% | 1,287 |
| Efficiency ratio | 54.0367% | 7,231 |
| Assets per employee ($millions) | 4.6022% | 2,696 |
| Cash dividends to net income (ytd only)* | 35.6316% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4914% | 3,489 |
| Loan loss allowance to noncurrent loans | 367.4809% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.5966% | 5,958 |
| Noncurrent loans to loans | 0.4059% | 6,525 |
| Net loans and leases to total assets | 71.9688% | 3,046 |
| Net loans and leases to deposits | 88.0538% | 2,945 |
| Net loans and leases to core deposits | 124.4429% | 1,861 |
| Total domestic deposits to total assets | 81.7328% | 4,793 |
| Equity capital to assets | 9.1673% | 5,222 |
| Core capital (leverage) ratio | 8.9721% | 4,691 |
| Tier 1 risk-based capital ratio | 12.1324% | 4,852 |
| Total risk-based capital ratio | 13.3853% | 4,798 |
| Memoranda: | ||
| Average total assets | $220,862,750 | 2,945 |
| Average earning assets | $208,048,500 | 2,879 |
| Average equity | $19,188,250 | 3,354 |
| Average total loans | $154,851,500 | 2,872 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4607% | 4,840 |
| Cost of funding earning assets | 1.8196% | 4,665 |
| Net interest margin | 3.6411% | 4,210 |
| Noninterest income to average assets | 0.4184% | 5,129 |
| Noninterest expense to average assets | 2.1689% | 7,127 |
| Loan and lease loss provision to assets | 0.2717% | 4,400 |
| Net operating income to assets | 1.4209% | 975 |
| Return on assets (ROA) | 1.4209% | 1,048 |
| Pretax return on assets | 1.4209% | 1,665 |
| Return on Equity (ROE) | 16.6614% | 621 |
| Retained earnings to average equity (ytd only) | 10.5554% | 631 |
| Net charge-offs to loans | 0.0878% | 5,319 |
| Credit loss provision to net charge-offs | 447.7612% | 1,040 |
| Earnings coverage of net charge-offs (x) | 27.8955% | 1,047 |
| Efficiency ratio | 56.1679% | 7,100 |
| Assets per employee ($millions) | 4.6654% | 2,508 |
| Cash dividends to net income (ytd only)* | 36.6475% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4974% | 3,218 |
| Loan loss allowance to noncurrent loans | 207.9858% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.6877% | 5,691 |
| Noncurrent loans to loans | 0.7200% | 5,796 |
| Net loans and leases to total assets | 70.3181% | 3,621 |
| Net loans and leases to deposits | 87.0014% | 3,361 |
| Net loans and leases to core deposits | 122.3536% | 2,175 |
| Total domestic deposits to total assets | 80.8241% | 5,139 |
| Equity capital to assets | 8.8587% | 5,514 |
| Core capital (leverage) ratio | 8.4965% | 5,455 |
| Tier 1 risk-based capital ratio | 12.0272% | 4,896 |
| Total risk-based capital ratio | 13.2577% | 4,833 |
| Memoranda: | ||
| Average total assets | $220,849,000 | 2,963 |
| Average earning assets | $208,838,330 | 2,881 |
| Average equity | $18,834,000 | 3,418 |
| Average total loans | $152,672,330 | 2,934 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4110% | 5,368 |
| Cost of funding earning assets | 1.8279% | 4,988 |
| Net interest margin | 3.5831% | 4,391 |
| Noninterest income to average assets | 0.4061% | 5,170 |
| Noninterest expense to average assets | 2.2343% | 6,740 |
| Loan and lease loss provision to assets | 0.2707% | 3,793 |
| Net operating income to assets | 1.2796% | 1,438 |
| Return on assets (ROA) | 1.2796% | 1,538 |
| Pretax return on assets | 1.2796% | 2,349 |
| Return on Equity (ROE) | 15.2979% | 923 |
| Retained earnings to average equity (ytd only) | 9.9037% | 1,220 |
| Net charge-offs to loans | 0.0849% | 4,317 |
| Credit loss provision to net charge-offs | 468.7500% | 1,133 |
| Earnings coverage of net charge-offs (x) | 26.8438% | 1,163 |
| Efficiency ratio | 59.0367% | 6,548 |
| Assets per employee ($millions) | 4.9393% | 2,129 |
| Cash dividends to net income (ytd only)* | 35.2609% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4691% | 3,146 |
| Loan loss allowance to noncurrent loans | 360.0969% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.6232% | 5,625 |
| Noncurrent loans to loans | 0.4080% | 6,397 |
| Net loans and leases to total assets | 65.7965% | 4,633 |
| Net loans and leases to deposits | 79.5525% | 4,685 |
| Net loans and leases to core deposits | 109.0329% | 3,559 |
| Total domestic deposits to total assets | 82.7084% | 4,285 |
| Equity capital to assets | 8.3148% | 6,364 |
| Core capital (leverage) ratio | 8.2535% | 5,991 |
| Tier 1 risk-based capital ratio | 11.7836% | 5,142 |
| Total risk-based capital ratio | 13.0360% | 5,058 |
| Memoranda: | ||
| Average total assets | $221,636,000 | 2,969 |
| Average earning assets | $208,983,500 | 2,896 |
| Average equity | $18,538,500 | 3,480 |
| Average total loans | $150,741,500 | 2,997 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2629% | 4,166 |
| Cost of funding earning assets | 2.3805% | 4,811 |
| Net interest margin | 3.8825% | 3,647 |
| Noninterest income to average assets | 0.6277% | 3,650 |
| Noninterest expense to average assets | 2.3094% | 6,670 |
| Loan and lease loss provision to assets | 0.1709% | 5,195 |
| Net operating income to assets | 1.0047% | 2,538 |
| Return on assets (ROA) | 1.0047% | 2,425 |
| Pretax return on assets | 1.8132% | 918 |
| Return on Equity (ROE) | 11.8223% | 1,648 |
| Retained earnings to average equity (ytd only) | 6.7939% | 1,225 |
| Net charge-offs to loans | 0.2448% | 3,820 |
| Credit loss provision to net charge-offs | 104.0462% | 5,139 |
| Earnings coverage of net charge-offs (x) | 12.0780% | 2,293 |
| Efficiency ratio | 53.7875% | 7,290 |
| Assets per employee ($millions) | 4.6970% | 2,333 |
| Cash dividends to net income (ytd only)* | 42.5331% | 3,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4089% | 3,146 |
| Loan loss allowance to noncurrent loans | 864.7541% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.5262% | 5,600 |
| Noncurrent loans to loans | 0.1629% | 6,909 |
| Net loans and leases to total assets | 68.3358% | 4,405 |
| Net loans and leases to deposits | 86.4795% | 4,043 |
| Net loans and leases to core deposits | 115.8558% | 3,136 |
| Total domestic deposits to total assets | 79.0196% | 5,372 |
| Equity capital to assets | 8.4165% | 6,225 |
| Core capital (leverage) ratio | 8.1682% | 6,224 |
| Tier 1 risk-based capital ratio | 11.7566% | 5,013 |
| Total risk-based capital ratio | 13.0087% | 4,926 |
| Memoranda: | ||
| Average total assets | $210,619,200 | 3,002 |
| Average earning assets | $198,868,000 | 2,908 |
| Average equity | $17,898,400 | 3,569 |
| Average total loans | $141,312,600 | 3,073 |