Home > The Bank of Canton > Performance and Condition Ratios
The Bank of Canton, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8787% | 2,325 |
| Cost of funding earning assets | 1.0786% | 3,118 |
| Net interest margin | 3.8001% | 1,563 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 2.8943% | 1,283 |
| Loan and lease loss provision to assets | 0.2200% | 549 |
| Net operating income to assets | 0.7752% | 2,960 |
| Return on assets (ROA) | 0.8123% | 2,812 |
| Pretax return on assets | 1.0800% | 2,470 |
| Return on Equity (ROE) | 7.1200% | 3,250 |
| Retained earnings to average equity (ytd only) | 6.1652% | 2,184 |
| Net charge-offs to loans | 0.1635% | 641 |
| Credit loss provision to net charge-offs | 200.7874% | 1,222 |
| Earnings coverage of net charge-offs (x) | 11.3352% | 2,197 |
| Efficiency ratio | 69.7460% | 1,915 |
| Assets per employee ($millions) | 7.0567% | 2,035 |
| Cash dividends to net income (ytd only)* | 13.4202% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0451% | 3,088 |
| Loan loss allowance to noncurrent loans | 229.9435% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.3251% | 1,642 |
| Noncurrent loans to loans | 0.4545% | 1,644 |
| Net loans and leases to total assets | 70.7900% | 1,725 |
| Net loans and leases to deposits | 81.5767% | 1,983 |
| Net loans and leases to core deposits | 84.7397% | 2,400 |
| Total domestic deposits to total assets | 86.7800% | 1,760 |
| Equity capital to assets | 12.7805% | 908 |
| Core capital (leverage) ratio | 13.1749% | 1,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6948% | 561 |
| Memoranda: | ||
| Average total assets | $802,648,600 | 1,181 |
| Average earning assets | $768,694,600 | 1,143 |
| Average equity | $91,563,000 | 1,014 |
| Average total loans | $543,883,400 | 1,158 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7865% | 2,295 |
| Cost of funding earning assets | 0.9859% | 3,076 |
| Net interest margin | 3.8006% | 1,598 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.8420% | 1,340 |
| Loan and lease loss provision to assets | 0.2200% | 486 |
| Net operating income to assets | 0.8148% | 2,983 |
| Return on assets (ROA) | 0.8148% | 2,965 |
| Pretax return on assets | 1.0838% | 2,611 |
| Return on Equity (ROE) | 7.3500% | 3,340 |
| Retained earnings to average equity (ytd only) | 6.3881% | 2,504 |
| Net charge-offs to loans | -0.0081% | 3,873 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.5135% | 1,963 |
| Assets per employee ($millions) | 7.3664% | 1,712 |
| Cash dividends to net income (ytd only)* | 13.0864% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1186% | 2,770 |
| Loan loss allowance to noncurrent loans | 109.9467% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 0.7143% | 790 |
| Noncurrent loans to loans | 1.0174% | 794 |
| Net loans and leases to total assets | 69.4200% | 1,895 |
| Net loans and leases to deposits | 79.0674% | 2,134 |
| Net loans and leases to core deposits | 81.6909% | 2,491 |
| Total domestic deposits to total assets | 87.8000% | 1,644 |
| Equity capital to assets | 11.8282% | 1,084 |
| Core capital (leverage) ratio | 12.6059% | 1,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8249% | 635 |
| Memoranda: | ||
| Average total assets | $812,780,500 | 1,166 |
| Average earning assets | $779,337,750 | 1,131 |
| Average equity | $90,103,000 | 1,028 |
| Average total loans | $543,549,000 | 1,158 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6503% | 2,304 |
| Cost of funding earning assets | 0.8711% | 3,026 |
| Net interest margin | 3.7792% | 1,664 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 2.8152% | 1,386 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.8885% | 2,800 |
| Return on assets (ROA) | 0.8885% | 2,785 |
| Pretax return on assets | 1.1874% | 2,394 |
| Return on Equity (ROE) | 8.1900% | 3,190 |
| Retained earnings to average equity (ytd only) | 7.2355% | 2,215 |
| Net charge-offs to loans | -0.0070% | 3,808 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.5816% | 1,909 |
| Assets per employee ($millions) | 8.1249% | 1,264 |
| Cash dividends to net income (ytd only)* | 11.6534% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9372% | 3,664 |
| Loan loss allowance to noncurrent loans | 277.1549% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.2304% | 2,030 |
| Noncurrent loans to loans | 0.3381% | 1,917 |
| Net loans and leases to total assets | 67.5100% | 2,007 |
| Net loans and leases to deposits | 76.5012% | 2,260 |
| Net loans and leases to core deposits | 78.3775% | 2,584 |
| Total domestic deposits to total assets | 88.2500% | 1,514 |
| Equity capital to assets | 11.3679% | 1,241 |
| Core capital (leverage) ratio | 12.3050% | 1,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4799% | 671 |
| Memoranda: | ||
| Average total assets | $820,970,667 | 1,155 |
| Average earning assets | $787,996,000 | 1,109 |
| Average equity | $89,060,333 | 1,028 |
| Average total loans | $540,282,667 | 1,155 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5180% | 2,272 |
| Cost of funding earning assets | 0.7440% | 2,910 |
| Net interest margin | 3.7740% | 1,741 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.8998% | 1,235 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8573% | 2,997 |
| Return on assets (ROA) | 0.8573% | 2,944 |
| Pretax return on assets | 1.1423% | 2,589 |
| Return on Equity (ROE) | 8.1000% | 3,263 |
| Retained earnings to average equity (ytd only) | 7.1767% | 2,450 |
| Net charge-offs to loans | -0.0098% | 3,841 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.7402% | 1,557 |
| Assets per employee ($millions) | 7.9467% | 1,369 |
| Cash dividends to net income (ytd only)* | 11.3636% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1540% | 2,800 |
| Loan loss allowance to noncurrent loans | 398.9644% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.1906% | 2,192 |
| Noncurrent loans to loans | 0.2893% | 2,109 |
| Net loans and leases to total assets | 65.1400% | 2,138 |
| Net loans and leases to deposits | 73.8882% | 2,301 |
| Net loans and leases to core deposits | 75.2589% | 2,584 |
| Total domestic deposits to total assets | 88.1500% | 1,875 |
| Equity capital to assets | 10.8963% | 1,381 |
| Core capital (leverage) ratio | 11.9350% | 1,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8272% | 677 |
| Memoranda: | ||
| Average total assets | $821,150,500 | 1,178 |
| Average earning assets | $787,605,000 | 1,129 |
| Average equity | $86,947,500 | 1,059 |
| Average total loans | $530,804,000 | 1,176 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3114% | 3,563 |
| Cost of funding earning assets | 0.2797% | 3,047 |
| Net interest margin | 3.0317% | 3,353 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 2.6911% | 1,578 |
| Loan and lease loss provision to assets | -0.0600% | 4,444 |
| Net operating income to assets | 0.5597% | 3,966 |
| Return on assets (ROA) | 1.1330% | 1,985 |
| Pretax return on assets | 1.5331% | 1,354 |
| Return on Equity (ROE) | 11.6800% | 2,246 |
| Retained earnings to average equity (ytd only) | 10.8236% | 926 |
| Net charge-offs to loans | -0.0077% | 3,739 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 78.2513% | 838 |
| Assets per employee ($millions) | 8.2350% | 1,215 |
| Cash dividends to net income (ytd only)* | 7.3429% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1661% | 2,546 |
| Loan loss allowance to noncurrent loans | 231.5017% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.3195% | 1,585 |
| Noncurrent loans to loans | 0.5037% | 1,443 |
| Net loans and leases to total assets | 62.6800% | 2,362 |
| Net loans and leases to deposits | 70.7101% | 2,521 |
| Net loans and leases to core deposits | 71.2117% | 2,781 |
| Total domestic deposits to total assets | 88.6400% | 1,831 |
| Equity capital to assets | 10.2886% | 1,561 |
| Core capital (leverage) ratio | 11.5824% | 1,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7691% | 647 |
| Memoranda: | ||
| Average total assets | $841,365,400 | 1,144 |
| Average earning assets | $808,698,200 | 1,098 |
| Average equity | $81,608,400 | 1,113 |
| Average total loans | $505,241,200 | 1,170 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9972% | 3,892 |
| Cost of funding earning assets | 0.2082% | 3,174 |
| Net interest margin | 2.7890% | 3,761 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.6185% | 1,672 |
| Loan and lease loss provision to assets | -0.0800% | 4,553 |
| Net operating income to assets | 0.5068% | 4,055 |
| Return on assets (ROA) | 0.5068% | 4,007 |
| Pretax return on assets | 0.6627% | 3,881 |
| Return on Equity (ROE) | 5.3000% | 3,929 |
| Retained earnings to average equity (ytd only) | 4.4357% | 3,315 |
| Net charge-offs to loans | -0.0101% | 3,718 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 81.7715% | 662 |
| Assets per employee ($millions) | 8.8900% | 933 |
| Cash dividends to net income (ytd only)* | 16.3704% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 2,590 |
| Loan loss allowance to noncurrent loans | 385.8846% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.1775% | 2,397 |
| Noncurrent loans to loans | 0.3079% | 2,142 |
| Net loans and leases to total assets | 56.9700% | 2,799 |
| Net loans and leases to deposits | 63.0038% | 2,945 |
| Net loans and leases to core deposits | 63.6204% | 3,147 |
| Total domestic deposits to total assets | 90.4200% | 1,463 |
| Equity capital to assets | 8.7094% | 2,400 |
| Core capital (leverage) ratio | 10.8171% | 1,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6209% | 772 |
| Memoranda: | ||
| Average total assets | $843,771,750 | 1,149 |
| Average earning assets | $811,366,250 | 1,104 |
| Average equity | $80,617,000 | 1,135 |
| Average total loans | $499,680,750 | 1,176 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8009% | 3,977 |
| Cost of funding earning assets | 0.1903% | 3,045 |
| Net interest margin | 2.6106% | 3,886 |
| Noninterest income to average assets | 0.5394% | 1,997 |
| Noninterest expense to average assets | 2.6447% | 1,513 |
| Loan and lease loss provision to assets | -0.1211% | 4,621 |
| Net operating income to assets | 0.4086% | 4,090 |
| Return on assets (ROA) | 0.4086% | 4,040 |
| Pretax return on assets | 0.5249% | 3,956 |
| Return on Equity (ROE) | 4.1438% | 4,003 |
| Retained earnings to average equity (ytd only) | 3.2841% | 3,356 |
| Net charge-offs to loans | -0.0134% | 3,708 |
| Credit loss provision to net charge-offs | 1,515.1515% | 293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7551% | 550 |
| Assets per employee ($millions) | 7.9653% | 1,329 |
| Cash dividends to net income (ytd only)* | 20.7469% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2390% | 2,473 |
| Loan loss allowance to noncurrent loans | 380.4954% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.1950% | 2,362 |
| Noncurrent loans to loans | 0.3256% | 2,175 |
| Net loans and leases to total assets | 59.1284% | 2,426 |
| Net loans and leases to deposits | 66.0358% | 2,542 |
| Net loans and leases to core deposits | 66.7910% | 2,756 |
| Total domestic deposits to total assets | 89.5400% | 1,924 |
| Equity capital to assets | 9.5731% | 1,961 |
| Core capital (leverage) ratio | 10.9591% | 1,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9773% | 722 |
| Memoranda: | ||
| Average total assets | $825,732,333 | 1,163 |
| Average earning assets | $793,615,333 | 1,135 |
| Average equity | $81,422,333 | 1,143 |
| Average total loans | $493,685,333 | 1,181 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6487% | 4,035 |
| Cost of funding earning assets | 0.1923% | 2,906 |
| Net interest margin | 2.4564% | 3,983 |
| Noninterest income to average assets | 0.5740% | 1,805 |
| Noninterest expense to average assets | 2.7433% | 1,268 |
| Loan and lease loss provision to assets | -0.2426% | 4,712 |
| Net operating income to assets | 0.3445% | 4,069 |
| Return on assets (ROA) | 0.3445% | 4,032 |
| Pretax return on assets | 0.4347% | 3,976 |
| Return on Equity (ROE) | 3.4432% | 4,008 |
| Retained earnings to average equity (ytd only) | 2.5945% | 3,388 |
| Net charge-offs to loans | -0.0154% | 3,779 |
| Credit loss provision to net charge-offs | 2,631.5789% | 164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4545% | 408 |
| Assets per employee ($millions) | 8.2117% | 1,250 |
| Cash dividends to net income (ytd only)* | 24.6479% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 2,533 |
| Loan loss allowance to noncurrent loans | 228.5981% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.3234% | 1,818 |
| Noncurrent loans to loans | 0.5526% | 1,658 |
| Net loans and leases to total assets | 57.7807% | 2,319 |
| Net loans and leases to deposits | 64.5988% | 2,473 |
| Net loans and leases to core deposits | 65.4765% | 2,675 |
| Total domestic deposits to total assets | 89.4455% | 1,844 |
| Equity capital to assets | 9.7304% | 2,103 |
| Core capital (leverage) ratio | 10.7771% | 1,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9089% | 768 |
| Memoranda: | ||
| Average total assets | $824,402,500 | 1,166 |
| Average earning assets | $792,529,500 | 1,137 |
| Average equity | $82,482,000 | 1,163 |
| Average total loans | $492,548,000 | 1,172 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7954% | 4,211 |
| Cost of funding earning assets | 0.2523% | 2,898 |
| Net interest margin | 2.5431% | 4,130 |
| Noninterest income to average assets | 1.0267% | 947 |
| Noninterest expense to average assets | 2.7081% | 1,614 |
| Loan and lease loss provision to assets | -0.0600% | 4,405 |
| Net operating income to assets | 0.6186% | 3,833 |
| Return on assets (ROA) | 0.6219% | 3,871 |
| Pretax return on assets | 0.8305% | 3,664 |
| Return on Equity (ROE) | 6.3730% | 3,682 |
| Retained earnings to average equity (ytd only) | 5.5128% | 2,561 |
| Net charge-offs to loans | -0.0313% | 4,141 |
| Credit loss provision to net charge-offs | 304.8780% | 1,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9431% | 952 |
| Assets per employee ($millions) | 7.8791% | 1,399 |
| Cash dividends to net income (ytd only)* | 13.4979% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3231% | 2,255 |
| Loan loss allowance to noncurrent loans | 243.5359% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.3313% | 1,911 |
| Noncurrent loans to loans | 0.5433% | 1,766 |
| Net loans and leases to total assets | 60.1802% | 2,144 |
| Net loans and leases to deposits | 67.8680% | 2,323 |
| Net loans and leases to core deposits | 68.8081% | 2,573 |
| Total domestic deposits to total assets | 88.6724% | 1,687 |
| Equity capital to assets | 10.2831% | 2,387 |
| Core capital (leverage) ratio | 10.6020% | 1,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5497% | 814 |
| Memoranda: | ||
| Average total assets | $833,932,600 | 1,112 |
| Average earning assets | $802,666,200 | 1,086 |
| Average equity | $81,374,000 | 1,190 |
| Average total loans | $523,377,800 | 1,123 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8237% | 4,272 |
| Cost of funding earning assets | 0.2605% | 3,011 |
| Net interest margin | 2.5633% | 4,190 |
| Noninterest income to average assets | 1.1325% | 886 |
| Noninterest expense to average assets | 2.7086% | 1,568 |
| Loan and lease loss provision to assets | -0.0796% | 4,549 |
| Net operating income to assets | 0.7208% | 3,719 |
| Return on assets (ROA) | 0.7241% | 3,774 |
| Pretax return on assets | 0.9752% | 3,531 |
| Return on Equity (ROE) | 7.5202% | 3,524 |
| Retained earnings to average equity (ytd only) | 6.6523% | 2,556 |
| Net charge-offs to loans | -0.0401% | 4,253 |
| Credit loss provision to net charge-offs | 314.4654% | 979 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2410% | 1,095 |
| Assets per employee ($millions) | 7.5621% | 1,530 |
| Cash dividends to net income (ytd only)* | 11.5410% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3118% | 2,434 |
| Loan loss allowance to noncurrent loans | 240.6922% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.3361% | 2,102 |
| Noncurrent loans to loans | 0.5450% | 1,955 |
| Net loans and leases to total assets | 60.8620% | 2,151 |
| Net loans and leases to deposits | 68.5565% | 2,385 |
| Net loans and leases to core deposits | 69.4333% | 2,645 |
| Total domestic deposits to total assets | 88.7764% | 1,414 |
| Equity capital to assets | 10.2747% | 2,638 |
| Core capital (leverage) ratio | 10.0344% | 2,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8894% | 832 |
| Memoranda: | ||
| Average total assets | $837,560,000 | 1,116 |
| Average earning assets | $806,238,250 | 1,086 |
| Average equity | $80,652,000 | 1,220 |
| Average total loans | $529,286,750 | 1,140 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8287% | 4,310 |
| Cost of funding earning assets | 0.2706% | 3,082 |
| Net interest margin | 2.5582% | 4,240 |
| Noninterest income to average assets | 1.3731% | 628 |
| Noninterest expense to average assets | 2.7647% | 1,430 |
| Loan and lease loss provision to assets | -0.1184% | 4,657 |
| Net operating income to assets | 0.8762% | 3,285 |
| Return on assets (ROA) | 0.8812% | 3,350 |
| Pretax return on assets | 1.1964% | 2,923 |
| Return on Equity (ROE) | 9.3534% | 2,994 |
| Retained earnings to average equity (ytd only) | 8.4736% | 1,906 |
| Net charge-offs to loans | -0.0595% | 4,442 |
| Credit loss provision to net charge-offs | 312.5000% | 866 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0662% | 1,429 |
| Assets per employee ($millions) | 8.8917% | 892 |
| Cash dividends to net income (ytd only)* | 9.4061% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2643% | 2,611 |
| Loan loss allowance to noncurrent loans | 238.2979% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.2810% | 2,518 |
| Noncurrent loans to loans | 0.5305% | 2,079 |
| Net loans and leases to total assets | 52.2866% | 3,317 |
| Net loans and leases to deposits | 57.6085% | 3,582 |
| Net loans and leases to core deposits | 58.1820% | 3,750 |
| Total domestic deposits to total assets | 90.7620% | 454 |
| Equity capital to assets | 8.4801% | 4,221 |
| Core capital (leverage) ratio | 10.8759% | 1,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2739% | 917 |
| Memoranda: | ||
| Average total assets | $844,511,000 | 1,103 |
| Average earning assets | $813,157,000 | 1,078 |
| Average equity | $79,564,667 | 1,228 |
| Average total loans | $537,825,333 | 1,129 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2032% | 3,685 |
| Cost of funding earning assets | 0.3096% | 2,892 |
| Net interest margin | 2.8935% | 3,544 |
| Noninterest income to average assets | 1.9082% | 404 |
| Noninterest expense to average assets | 3.0933% | 848 |
| Loan and lease loss provision to assets | -0.2586% | 4,841 |
| Net operating income to assets | 1.3515% | 1,678 |
| Return on assets (ROA) | 1.3625% | 1,742 |
| Pretax return on assets | 1.8622% | 1,171 |
| Return on Equity (ROE) | 13.5951% | 1,516 |
| Retained earnings to average equity (ytd only) | 12.6919% | 979 |
| Net charge-offs to loans | -0.1203% | 4,687 |
| Credit loss provision to net charge-offs | 304.8780% | 747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0555% | 2,225 |
| Assets per employee ($millions) | 7.0793% | 1,746 |
| Cash dividends to net income (ytd only)* | 6.6439% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2250% | 2,794 |
| Loan loss allowance to noncurrent loans | 118.0503% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 0.7193% | 1,290 |
| Noncurrent loans to loans | 1.0377% | 1,292 |
| Net loans and leases to total assets | 68.4611% | 1,467 |
| Net loans and leases to deposits | 77.6070% | 1,753 |
| Net loans and leases to core deposits | 78.5964% | 2,129 |
| Total domestic deposits to total assets | 88.2151% | 1,735 |
| Equity capital to assets | 10.0802% | 2,635 |
| Core capital (leverage) ratio | 11.4317% | 1,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2253% | 889 |
| Memoranda: | ||
| Average total assets | $773,277,000 | 1,181 |
| Average earning assets | $741,512,500 | 1,153 |
| Average equity | $77,498,500 | 1,246 |
| Average total loans | $545,405,000 | 1,116 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7922% | 3,327 |
| Cost of funding earning assets | 0.4547% | 3,256 |
| Net interest margin | 3.3374% | 2,962 |
| Noninterest income to average assets | 1.1581% | 813 |
| Noninterest expense to average assets | 3.1756% | 1,099 |
| Loan and lease loss provision to assets | 0.0493% | 3,779 |
| Net operating income to assets | 0.8312% | 2,977 |
| Return on assets (ROA) | 0.8373% | 3,079 |
| Pretax return on assets | 1.1257% | 2,603 |
| Return on Equity (ROE) | 7.9063% | 2,856 |
| Retained earnings to average equity (ytd only) | 6.9754% | 1,407 |
| Net charge-offs to loans | -0.0011% | 3,947 |
| Credit loss provision to net charge-offs | -5,833.3333% | 4,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1223% | 1,552 |
| Assets per employee ($millions) | 7.1095% | 1,506 |
| Cash dividends to net income (ytd only)* | 11.7746% | 3,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 2,615 |
| Loan loss allowance to noncurrent loans | 244.4249% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.3703% | 2,499 |
| Noncurrent loans to loans | 0.5159% | 2,425 |
| Net loans and leases to total assets | 70.8654% | 1,449 |
| Net loans and leases to deposits | 80.4163% | 1,815 |
| Net loans and leases to core deposits | 83.3586% | 2,091 |
| Total domestic deposits to total assets | 88.1232% | 1,416 |
| Equity capital to assets | 9.9632% | 3,161 |
| Core capital (leverage) ratio | 11.3792% | 1,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2892% | 1,002 |
| Memoranda: | ||
| Average total assets | $710,034,600 | 1,164 |
| Average earning assets | $677,555,800 | 1,138 |
| Average equity | $75,192,800 | 1,216 |
| Average total loans | $566,068,400 | 1,034 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9130% | 3,210 |
| Cost of funding earning assets | 0.4803% | 3,357 |
| Net interest margin | 3.4328% | 2,805 |
| Noninterest income to average assets | 0.9854% | 1,046 |
| Noninterest expense to average assets | 3.2028% | 1,072 |
| Loan and lease loss provision to assets | 0.0671% | 3,494 |
| Net operating income to assets | 0.7333% | 3,344 |
| Return on assets (ROA) | 0.7416% | 3,413 |
| Pretax return on assets | 0.9979% | 3,076 |
| Return on Equity (ROE) | 6.8904% | 3,241 |
| Retained earnings to average equity (ytd only) | 5.9554% | 2,125 |
| Net charge-offs to loans | -0.0007% | 3,793 |
| Credit loss provision to net charge-offs | -11,666.6667% | 4,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2319% | 1,276 |
| Assets per employee ($millions) | 6.5617% | 1,779 |
| Cash dividends to net income (ytd only)* | 13.5694% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1811% | 2,768 |
| Loan loss allowance to noncurrent loans | 117.1727% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 0.8213% | 1,403 |
| Noncurrent loans to loans | 1.0080% | 1,482 |
| Net loans and leases to total assets | 80.5159% | 562 |
| Net loans and leases to deposits | 95.0833% | 835 |
| Net loans and leases to core deposits | 98.8845% | 1,254 |
| Total domestic deposits to total assets | 84.6793% | 2,564 |
| Equity capital to assets | 10.3531% | 2,919 |
| Core capital (leverage) ratio | 11.4023% | 1,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7340% | 1,318 |
| Memoranda: | ||
| Average total assets | $695,586,500 | 1,167 |
| Average earning assets | $662,963,250 | 1,142 |
| Average equity | $74,866,000 | 1,213 |
| Average total loans | $569,817,250 | 1,022 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9989% | 3,325 |
| Cost of funding earning assets | 0.5053% | 3,498 |
| Net interest margin | 3.4936% | 2,804 |
| Noninterest income to average assets | 0.7783% | 1,495 |
| Noninterest expense to average assets | 3.1818% | 1,194 |
| Loan and lease loss provision to assets | 0.0582% | 3,576 |
| Net operating income to assets | 0.6425% | 3,605 |
| Return on assets (ROA) | 0.6552% | 3,656 |
| Pretax return on assets | 0.8805% | 3,368 |
| Return on Equity (ROE) | 6.0070% | 3,504 |
| Retained earnings to average equity (ytd only) | 5.0726% | 2,441 |
| Net charge-offs to loans | 0.0004% | 3,029 |
| Credit loss provision to net charge-offs | 20,000.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 3,169.0000% | 20 |
| Efficiency ratio | 77.5184% | 1,100 |
| Assets per employee ($millions) | 6.4747% | 1,808 |
| Cash dividends to net income (ytd only)* | 15.5556% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 2,748 |
| Loan loss allowance to noncurrent loans | 141.2058% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.6754% | 1,814 |
| Noncurrent loans to loans | 0.8186% | 1,858 |
| Net loans and leases to total assets | 81.5510% | 449 |
| Net loans and leases to deposits | 96.7674% | 740 |
| Net loans and leases to core deposits | 100.6530% | 1,211 |
| Total domestic deposits to total assets | 84.2753% | 2,651 |
| Equity capital to assets | 10.2973% | 2,928 |
| Core capital (leverage) ratio | 11.4834% | 1,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6255% | 1,335 |
| Memoranda: | ||
| Average total assets | $686,854,667 | 1,161 |
| Average earning assets | $653,931,667 | 1,133 |
| Average equity | $74,912,333 | 1,207 |
| Average total loans | $563,724,667 | 1,012 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1700% | 3,321 |
| Cost of funding earning assets | 0.5394% | 3,749 |
| Net interest margin | 3.6306% | 2,564 |
| Noninterest income to average assets | 0.4895% | 2,603 |
| Noninterest expense to average assets | 3.2680% | 1,288 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5008% | 3,891 |
| Return on assets (ROA) | 0.5055% | 3,936 |
| Pretax return on assets | 0.6776% | 3,750 |
| Return on Equity (ROE) | 4.5020% | 3,819 |
| Retained earnings to average equity (ytd only) | 3.5773% | 2,859 |
| Net charge-offs to loans | 0.0036% | 2,456 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 226.4000% | 306 |
| Efficiency ratio | 82.9518% | 906 |
| Assets per employee ($millions) | 6.1511% | 1,557 |
| Cash dividends to net income (ytd only)* | 20.5399% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2102% | 2,611 |
| Loan loss allowance to noncurrent loans | 1,013.3846% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.0969% | 4,137 |
| Noncurrent loans to loans | 0.1194% | 4,045 |
| Net loans and leases to total assets | 80.1957% | 675 |
| Net loans and leases to deposits | 99.8329% | 568 |
| Net loans and leases to core deposits | 104.0424% | 1,182 |
| Total domestic deposits to total assets | 80.3299% | 3,795 |
| Equity capital to assets | 11.4286% | 2,501 |
| Core capital (leverage) ratio | 12.0415% | 1,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1526% | 1,567 |
| Memoranda: | ||
| Average total assets | $674,173,500 | 1,151 |
| Average earning assets | $640,664,500 | 1,128 |
| Average equity | $75,699,000 | 1,192 |
| Average total loans | $551,781,000 | 1,007 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5100% | 2,908 |
| Cost of funding earning assets | 0.4891% | 4,137 |
| Net interest margin | 4.0209% | 1,782 |
| Noninterest income to average assets | 0.6980% | 1,828 |
| Noninterest expense to average assets | 3.2956% | 1,305 |
| Loan and lease loss provision to assets | 0.0614% | 2,811 |
| Net operating income to assets | 0.8442% | 3,406 |
| Return on assets (ROA) | 0.8469% | 3,488 |
| Pretax return on assets | 1.1563% | 2,991 |
| Return on Equity (ROE) | 7.7051% | 3,290 |
| Retained earnings to average equity (ytd only) | 6.7276% | 1,513 |
| Net charge-offs to loans | -0.0392% | 4,771 |
| Credit loss provision to net charge-offs | -192.3077% | 4,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0747% | 1,722 |
| Assets per employee ($millions) | 6.1626% | 1,511 |
| Cash dividends to net income (ytd only)* | 12.6858% | 3,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1788% | 2,555 |
| Loan loss allowance to noncurrent loans | 1,061.6747% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.0916% | 4,172 |
| Noncurrent loans to loans | 0.1110% | 4,084 |
| Net loans and leases to total assets | 81.5330% | 612 |
| Net loans and leases to deposits | 106.2576% | 292 |
| Net loans and leases to core deposits | 107.5801% | 1,003 |
| Total domestic deposits to total assets | 76.7315% | 4,519 |
| Equity capital to assets | 11.0304% | 2,965 |
| Core capital (leverage) ratio | 12.1221% | 1,701 |
| Tier 1 risk-based capital ratio | 14.4382% | 3,054 |
| Total risk-based capital ratio | 15.6776% | 2,958 |
| Memoranda: | ||
| Average total assets | $651,558,400 | 1,149 |
| Average earning assets | $617,696,000 | 1,116 |
| Average equity | $71,615,200 | 1,200 |
| Average total loans | $531,222,800 | 1,017 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5797% | 2,791 |
| Cost of funding earning assets | 0.4807% | 4,220 |
| Net interest margin | 4.0990% | 1,615 |
| Noninterest income to average assets | 0.6443% | 2,012 |
| Noninterest expense to average assets | 3.3427% | 1,194 |
| Loan and lease loss provision to assets | 0.0413% | 3,076 |
| Net operating income to assets | 0.8395% | 3,547 |
| Return on assets (ROA) | 0.8395% | 3,632 |
| Pretax return on assets | 1.1469% | 3,146 |
| Return on Equity (ROE) | 7.6449% | 3,455 |
| Retained earnings to average equity (ytd only) | 6.6565% | 2,032 |
| Net charge-offs to loans | -0.0521% | 4,847 |
| Credit loss provision to net charge-offs | -97.5610% | 4,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7750% | 1,604 |
| Assets per employee ($millions) | 6.0751% | 1,552 |
| Cash dividends to net income (ytd only)* | 12.9278% | 3,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2070% | 2,470 |
| Loan loss allowance to noncurrent loans | 1,895.8457% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.0523% | 4,451 |
| Noncurrent loans to loans | 0.0637% | 4,350 |
| Net loans and leases to total assets | 81.2036% | 680 |
| Net loans and leases to deposits | 97.2511% | 898 |
| Net loans and leases to core deposits | 98.4320% | 1,788 |
| Total domestic deposits to total assets | 83.4989% | 2,994 |
| Equity capital to assets | 11.4151% | 2,723 |
| Core capital (leverage) ratio | 11.6748% | 2,101 |
| Tier 1 risk-based capital ratio | 15.0118% | 2,836 |
| Total risk-based capital ratio | 16.2620% | 2,772 |
| Memoranda: | ||
| Average total assets | $644,977,750 | 1,154 |
| Average earning assets | $611,549,000 | 1,124 |
| Average equity | $70,825,750 | 1,207 |
| Average total loans | $524,206,000 | 1,026 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5545% | 2,827 |
| Cost of funding earning assets | 0.4507% | 4,323 |
| Net interest margin | 4.1038% | 1,599 |
| Noninterest income to average assets | 0.6208% | 2,063 |
| Noninterest expense to average assets | 3.3869% | 1,132 |
| Loan and lease loss provision to assets | 0.0620% | 2,579 |
| Net operating income to assets | 0.7764% | 3,729 |
| Return on assets (ROA) | 0.7764% | 3,794 |
| Pretax return on assets | 1.0606% | 3,349 |
| Return on Equity (ROE) | 7.1642% | 3,614 |
| Retained earnings to average equity (ytd only) | 6.1632% | 2,209 |
| Net charge-offs to loans | -0.0773% | 4,953 |
| Credit loss provision to net charge-offs | -99.0099% | 3,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1065% | 1,500 |
| Assets per employee ($millions) | 6.2014% | 1,405 |
| Cash dividends to net income (ytd only)* | 13.9721% | 3,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2155% | 2,440 |
| Loan loss allowance to noncurrent loans | 3,257.6531% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 4,627 |
| Noncurrent loans to loans | 0.0373% | 4,525 |
| Net loans and leases to total assets | 76.7668% | 1,426 |
| Net loans and leases to deposits | 91.8268% | 1,508 |
| Net loans and leases to core deposits | 92.7967% | 2,339 |
| Total domestic deposits to total assets | 83.5996% | 3,009 |
| Equity capital to assets | 10.6361% | 3,401 |
| Core capital (leverage) ratio | 11.7749% | 1,966 |
| Tier 1 risk-based capital ratio | 15.1064% | 2,789 |
| Total risk-based capital ratio | 16.3571% | 2,713 |
| Memoranda: | ||
| Average total assets | $645,316,000 | 1,156 |
| Average earning assets | $611,486,670 | 1,123 |
| Average equity | $69,931,330 | 1,212 |
| Average total loans | $522,504,670 | 1,030 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5725% | 2,631 |
| Cost of funding earning assets | 0.4284% | 4,369 |
| Net interest margin | 4.1442% | 1,442 |
| Noninterest income to average assets | 0.6768% | 1,696 |
| Noninterest expense to average assets | 3.5594% | 891 |
| Loan and lease loss provision to assets | 0.1270% | 1,379 |
| Net operating income to assets | 0.6692% | 4,027 |
| Return on assets (ROA) | 0.6692% | 4,065 |
| Pretax return on assets | 0.9092% | 3,738 |
| Return on Equity (ROE) | 6.1146% | 3,981 |
| Retained earnings to average equity (ytd only) | 5.0994% | 2,864 |
| Net charge-offs to loans | -0.1512% | 5,123 |
| Credit loss provision to net charge-offs | -101.5228% | 3,556 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4523% | 1,333 |
| Assets per employee ($millions) | 5.6474% | 1,843 |
| Cash dividends to net income (ytd only)* | 16.6034% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2197% | 2,474 |
| Loan loss allowance to noncurrent loans | 468.1585% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.2155% | 3,764 |
| Noncurrent loans to loans | 0.2605% | 3,631 |
| Net loans and leases to total assets | 81.7058% | 621 |
| Net loans and leases to deposits | 98.0080% | 785 |
| Net loans and leases to core deposits | 99.2863% | 1,683 |
| Total domestic deposits to total assets | 83.3665% | 3,269 |
| Equity capital to assets | 11.0161% | 2,838 |
| Core capital (leverage) ratio | 11.8111% | 1,900 |
| Tier 1 risk-based capital ratio | 14.5133% | 3,096 |
| Total risk-based capital ratio | 15.7634% | 3,023 |
| Memoranda: | ||
| Average total assets | $629,998,000 | 1,178 |
| Average earning assets | $595,731,000 | 1,156 |
| Average equity | $68,949,500 | 1,224 |
| Average total loans | $521,111,000 | 1,036 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1987% | 3,448 |
| Cost of funding earning assets | 0.4085% | 3,934 |
| Net interest margin | 3.7902% | 2,697 |
| Noninterest income to average assets | 0.5849% | 2,375 |
| Noninterest expense to average assets | 3.4041% | 1,145 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6107% | 4,384 |
| Return on assets (ROA) | 0.6100% | 4,396 |
| Pretax return on assets | 0.7814% | 4,222 |
| Return on Equity (ROE) | 6.0555% | 4,154 |
| Retained earnings to average equity (ytd only) | 5.0045% | 2,767 |
| Net charge-offs to loans | -0.0238% | 4,744 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3137% | 857 |
| Assets per employee ($millions) | 5.3631% | 2,096 |
| Cash dividends to net income (ytd only)* | 17.3568% | 3,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1529% | 2,816 |
| Loan loss allowance to noncurrent loans | 1,236.3636% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.0771% | 4,435 |
| Noncurrent loans to loans | 0.0932% | 4,331 |
| Net loans and leases to total assets | 81.7643% | 684 |
| Net loans and leases to deposits | 100.6983% | 692 |
| Net loans and leases to core deposits | 102.3457% | 1,555 |
| Total domestic deposits to total assets | 81.1973% | 3,845 |
| Equity capital to assets | 10.8722% | 2,821 |
| Core capital (leverage) ratio | 11.4276% | 2,158 |
| Tier 1 risk-based capital ratio | 14.6724% | 2,978 |
| Total risk-based capital ratio | 15.9180% | 2,909 |
| Memoranda: | ||
| Average total assets | $661,142,800 | 1,098 |
| Average earning assets | $628,221,600 | 1,076 |
| Average equity | $66,600,600 | 1,212 |
| Average total loans | $517,273,600 | 1,013 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1019% | 3,621 |
| Cost of funding earning assets | 0.3956% | 3,894 |
| Net interest margin | 3.7063% | 2,998 |
| Noninterest income to average assets | 0.5946% | 2,338 |
| Noninterest expense to average assets | 3.3584% | 1,183 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6089% | 4,477 |
| Return on assets (ROA) | 0.6079% | 4,493 |
| Pretax return on assets | 0.7629% | 4,392 |
| Return on Equity (ROE) | 6.1493% | 4,226 |
| Retained earnings to average equity (ytd only) | 5.0919% | 3,186 |
| Net charge-offs to loans | -0.0273% | 4,718 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4656% | 814 |
| Assets per employee ($millions) | 5.4599% | 1,955 |
| Cash dividends to net income (ytd only)* | 17.1962% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1552% | 2,880 |
| Loan loss allowance to noncurrent loans | 1,217.7551% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.0748% | 4,599 |
| Noncurrent loans to loans | 0.0949% | 4,461 |
| Net loans and leases to total assets | 77.9239% | 1,353 |
| Net loans and leases to deposits | 96.4193% | 1,101 |
| Net loans and leases to core deposits | 97.9549% | 1,937 |
| Total domestic deposits to total assets | 80.8177% | 3,912 |
| Equity capital to assets | 10.1864% | 3,467 |
| Core capital (leverage) ratio | 10.8549% | 2,727 |
| Tier 1 risk-based capital ratio | 14.6367% | 3,052 |
| Total risk-based capital ratio | 15.8867% | 2,975 |
| Memoranda: | ||
| Average total assets | $669,557,750 | 1,096 |
| Average earning assets | $637,315,750 | 1,068 |
| Average equity | $66,195,500 | 1,220 |
| Average total loans | $516,831,750 | 1,012 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0198% | 3,726 |
| Cost of funding earning assets | 0.3799% | 3,871 |
| Net interest margin | 3.6398% | 3,160 |
| Noninterest income to average assets | 0.5831% | 2,416 |
| Noninterest expense to average assets | 3.3591% | 1,202 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5828% | 4,550 |
| Return on assets (ROA) | 0.5813% | 4,552 |
| Pretax return on assets | 0.6943% | 4,531 |
| Return on Equity (ROE) | 5.9381% | 4,261 |
| Retained earnings to average equity (ytd only) | 4.8778% | 3,136 |
| Net charge-offs to loans | -0.0399% | 4,838 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8348% | 774 |
| Assets per employee ($millions) | 5.4851% | 1,894 |
| Cash dividends to net income (ytd only)* | 17.8571% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1744% | 2,859 |
| Loan loss allowance to noncurrent loans | 1,598.9276% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0548% | 4,752 |
| Noncurrent loans to loans | 0.0735% | 4,591 |
| Net loans and leases to total assets | 73.7849% | 1,981 |
| Net loans and leases to deposits | 90.3436% | 1,796 |
| Net loans and leases to core deposits | 91.8077% | 2,421 |
| Total domestic deposits to total assets | 81.6714% | 3,824 |
| Equity capital to assets | 9.7260% | 3,894 |
| Core capital (leverage) ratio | 10.6544% | 2,860 |
| Tier 1 risk-based capital ratio | 14.7798% | 2,973 |
| Total risk-based capital ratio | 16.0302% | 2,904 |
| Memoranda: | ||
| Average total assets | $674,348,000 | 1,092 |
| Average earning assets | $643,271,000 | 1,063 |
| Average equity | $66,014,000 | 1,220 |
| Average total loans | $516,937,670 | 1,013 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9915% | 3,637 |
| Cost of funding earning assets | 0.3572% | 3,930 |
| Net interest margin | 3.6343% | 3,051 |
| Noninterest income to average assets | 0.6160% | 2,189 |
| Noninterest expense to average assets | 3.3844% | 1,183 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5185% | 4,647 |
| Return on assets (ROA) | 0.5105% | 4,670 |
| Pretax return on assets | 0.6881% | 4,473 |
| Return on Equity (ROE) | 5.1983% | 4,420 |
| Retained earnings to average equity (ytd only) | 4.1368% | 3,546 |
| Net charge-offs to loans | -0.0836% | 5,152 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8980% | 869 |
| Assets per employee ($millions) | 5.5605% | 1,878 |
| Cash dividends to net income (ytd only)* | 20.4201% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1629% | 3,020 |
| Loan loss allowance to noncurrent loans | 967.5851% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 4,643 |
| Noncurrent loans to loans | 0.1202% | 4,425 |
| Net loans and leases to total assets | 73.5915% | 1,929 |
| Net loans and leases to deposits | 89.9063% | 1,705 |
| Net loans and leases to core deposits | 91.3866% | 2,344 |
| Total domestic deposits to total assets | 81.8535% | 4,007 |
| Equity capital to assets | 9.5582% | 4,035 |
| Core capital (leverage) ratio | 10.7651% | 2,667 |
| Tier 1 risk-based capital ratio | 14.5048% | 3,118 |
| Total risk-based capital ratio | 15.7551% | 3,023 |
| Memoranda: | ||
| Average total assets | $671,443,500 | 1,106 |
| Average earning assets | $640,455,500 | 1,075 |
| Average equity | $65,945,000 | 1,225 |
| Average total loans | $521,498,000 | 1,008 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9395% | 3,615 |
| Cost of funding earning assets | 0.3311% | 3,863 |
| Net interest margin | 3.6084% | 3,137 |
| Noninterest income to average assets | 1.3216% | 608 |
| Noninterest expense to average assets | 3.3916% | 1,215 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7627% | 3,333 |
| Return on assets (ROA) | 0.7614% | 3,380 |
| Pretax return on assets | 1.3535% | 2,156 |
| Return on Equity (ROE) | 7.8278% | 2,876 |
| Retained earnings to average equity (ytd only) | 6.7515% | 1,174 |
| Net charge-offs to loans | -0.0036% | 4,587 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4448% | 2,310 |
| Assets per employee ($millions) | 5.2692% | 2,182 |
| Cash dividends to net income (ytd only)* | 13.7498% | 3,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1067% | 3,321 |
| Loan loss allowance to noncurrent loans | 630.8934% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.1422% | 4,436 |
| Noncurrent loans to loans | 0.1754% | 4,217 |
| Net loans and leases to total assets | 80.1595% | 937 |
| Net loans and leases to deposits | 99.1142% | 805 |
| Net loans and leases to core deposits | 100.8416% | 1,648 |
| Total domestic deposits to total assets | 80.8759% | 4,147 |
| Equity capital to assets | 10.0991% | 3,597 |
| Core capital (leverage) ratio | 10.5168% | 2,830 |
| Tier 1 risk-based capital ratio | 14.2750% | 3,210 |
| Total risk-based capital ratio | 15.5230% | 3,107 |
| Memoranda: | ||
| Average total assets | $668,650,000 | 1,094 |
| Average earning assets | $634,776,600 | 1,065 |
| Average equity | $65,037,200 | 1,224 |
| Average total loans | $533,163,000 | 960 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8972% | 3,688 |
| Cost of funding earning assets | 0.3227% | 3,915 |
| Net interest margin | 3.5745% | 3,244 |
| Noninterest income to average assets | 1.4993% | 479 |
| Noninterest expense to average assets | 3.3987% | 1,158 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9795% | 2,645 |
| Return on assets (ROA) | 0.9777% | 2,711 |
| Pretax return on assets | 1.4886% | 1,807 |
| Return on Equity (ROE) | 10.1458% | 2,064 |
| Retained earnings to average equity (ytd only) | 9.0656% | 818 |
| Net charge-offs to loans | -0.0017% | 4,308 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5021% | 2,620 |
| Assets per employee ($millions) | 5.1000% | 2,331 |
| Cash dividends to net income (ytd only)* | 10.6469% | 3,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0940% | 3,517 |
| Loan loss allowance to noncurrent loans | 833.1909% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.1035% | 4,721 |
| Noncurrent loans to loans | 0.1313% | 4,533 |
| Net loans and leases to total assets | 77.9609% | 1,278 |
| Net loans and leases to deposits | 95.9851% | 1,113 |
| Net loans and leases to core deposits | 97.6794% | 1,910 |
| Total domestic deposits to total assets | 81.2219% | 3,989 |
| Equity capital to assets | 9.8914% | 4,038 |
| Core capital (leverage) ratio | 10.6692% | 2,801 |
| Tier 1 risk-based capital ratio | 14.6479% | 3,104 |
| Total risk-based capital ratio | 15.8985% | 3,019 |
| Memoranda: | ||
| Average total assets | $672,466,000 | 1,091 |
| Average earning assets | $637,908,250 | 1,060 |
| Average equity | $64,800,000 | 1,233 |
| Average total loans | $534,050,750 | 960 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9095% | 3,524 |
| Cost of funding earning assets | 0.3145% | 3,935 |
| Net interest margin | 3.5950% | 3,061 |
| Noninterest income to average assets | 1.8487% | 358 |
| Noninterest expense to average assets | 3.4537% | 1,071 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1959% | 1,610 |
| Return on assets (ROA) | 1.1931% | 1,653 |
| Pretax return on assets | 1.7965% | 847 |
| Return on Equity (ROE) | 12.4930% | 1,164 |
| Retained earnings to average equity (ytd only) | 11.3999% | 382 |
| Net charge-offs to loans | -0.0037% | 4,275 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7300% | 3,397 |
| Assets per employee ($millions) | 4.8719% | 2,552 |
| Cash dividends to net income (ytd only)* | 8.7500% | 3,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1105% | 3,526 |
| Loan loss allowance to noncurrent loans | 458.6207% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.1926% | 4,406 |
| Noncurrent loans to loans | 0.2421% | 4,164 |
| Net loans and leases to total assets | 78.6508% | 1,147 |
| Net loans and leases to deposits | 96.7758% | 1,000 |
| Net loans and leases to core deposits | 98.9573% | 1,730 |
| Total domestic deposits to total assets | 81.2712% | 4,113 |
| Equity capital to assets | 9.9968% | 3,914 |
| Core capital (leverage) ratio | 10.5054% | 2,907 |
| Tier 1 risk-based capital ratio | 14.7515% | 3,037 |
| Total risk-based capital ratio | 16.0024% | 2,967 |
| Memoranda: | ||
| Average total assets | $670,521,670 | 1,095 |
| Average earning assets | $635,215,330 | 1,067 |
| Average equity | $64,035,670 | 1,244 |
| Average total loans | $533,848,670 | 964 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8701% | 3,508 |
| Cost of funding earning assets | 0.3063% | 3,978 |
| Net interest margin | 3.5638% | 3,031 |
| Noninterest income to average assets | 2.9628% | 196 |
| Noninterest expense to average assets | 3.4966% | 1,048 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.8985% | 368 |
| Return on assets (ROA) | 1.8930% | 383 |
| Pretax return on assets | 2.8318% | 150 |
| Return on Equity (ROE) | 20.2876% | 220 |
| Retained earnings to average equity (ytd only) | 19.1753% | 122 |
| Net charge-offs to loans | -0.0037% | 4,106 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1802% | 5,024 |
| Assets per employee ($millions) | 4.8623% | 2,617 |
| Cash dividends to net income (ytd only)* | 5.4825% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1032% | 3,703 |
| Loan loss allowance to noncurrent loans | 311.8400% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.2815% | 4,084 |
| Noncurrent loans to loans | 0.3538% | 3,827 |
| Net loans and leases to total assets | 78.6831% | 1,033 |
| Net loans and leases to deposits | 97.2334% | 831 |
| Net loans and leases to core deposits | 99.4531% | 1,551 |
| Total domestic deposits to total assets | 80.9218% | 4,428 |
| Equity capital to assets | 9.6775% | 4,089 |
| Core capital (leverage) ratio | 10.3248% | 3,081 |
| Tier 1 risk-based capital ratio | 14.3423% | 3,290 |
| Total risk-based capital ratio | 15.5930% | 3,205 |
| Memoranda: | ||
| Average total assets | $674,491,000 | 1,089 |
| Average earning assets | $638,534,000 | 1,061 |
| Average equity | $62,935,000 | 1,262 |
| Average total loans | $537,283,500 | 954 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8875% | 3,617 |
| Cost of funding earning assets | 0.3162% | 3,889 |
| Net interest margin | 3.5713% | 3,179 |
| Noninterest income to average assets | 1.2277% | 755 |
| Noninterest expense to average assets | 3.6685% | 923 |
| Loan and lease loss provision to assets | -0.0523% | 5,597 |
| Net operating income to assets | 0.6101% | 4,167 |
| Return on assets (ROA) | 0.6154% | 4,263 |
| Pretax return on assets | 0.9850% | 3,527 |
| Return on Equity (ROE) | 6.8499% | 3,546 |
| Retained earnings to average equity (ytd only) | 5.6864% | 1,893 |
| Net charge-offs to loans | 0.0554% | 2,935 |
| Credit loss provision to net charge-offs | -117.0569% | 4,915 |
| Earnings coverage of net charge-offs (x) | 20.7023% | 1,838 |
| Efficiency ratio | 79.8738% | 1,435 |
| Assets per employee ($millions) | 4.9482% | 2,446 |
| Cash dividends to net income (ytd only)* | 16.9862% | 3,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0727% | 3,871 |
| Loan loss allowance to noncurrent loans | 232.8418% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.3674% | 3,808 |
| Noncurrent loans to loans | 0.4607% | 3,508 |
| Net loans and leases to total assets | 78.8965% | 1,060 |
| Net loans and leases to deposits | 97.0299% | 907 |
| Net loans and leases to core deposits | 99.1923% | 1,691 |
| Total domestic deposits to total assets | 81.3116% | 4,256 |
| Equity capital to assets | 8.9925% | 4,831 |
| Core capital (leverage) ratio | 9.9065% | 3,615 |
| Tier 1 risk-based capital ratio | 13.3372% | 3,869 |
| Total risk-based capital ratio | 14.5873% | 3,784 |
| Memoranda: | ||
| Average total assets | $669,640,400 | 1,061 |
| Average earning assets | $630,999,800 | 1,033 |
| Average equity | $60,161,600 | 1,288 |
| Average total loans | $539,589,000 | 916 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9461% | 3,441 |
| Cost of funding earning assets | 0.3174% | 3,902 |
| Net interest margin | 3.6287% | 2,974 |
| Noninterest income to average assets | 1.1940% | 812 |
| Noninterest expense to average assets | 3.7149% | 829 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5620% | 4,449 |
| Return on assets (ROA) | 0.5711% | 4,514 |
| Pretax return on assets | 0.9088% | 3,952 |
| Return on Equity (ROE) | 6.3579% | 3,899 |
| Retained earnings to average equity (ytd only) | 5.1883% | 2,702 |
| Net charge-offs to loans | -0.0270% | 5,116 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5921% | 1,361 |
| Assets per employee ($millions) | 4.7885% | 2,627 |
| Cash dividends to net income (ytd only)* | 18.3952% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2170% | 3,133 |
| Loan loss allowance to noncurrent loans | 150.8916% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.7135% | 2,773 |
| Noncurrent loans to loans | 0.8065% | 2,650 |
| Net loans and leases to total assets | 80.4874% | 818 |
| Net loans and leases to deposits | 99.1879% | 760 |
| Net loans and leases to core deposits | 101.4838% | 1,518 |
| Total domestic deposits to total assets | 81.1463% | 4,213 |
| Equity capital to assets | 9.1969% | 4,975 |
| Core capital (leverage) ratio | 9.8397% | 3,766 |
| Tier 1 risk-based capital ratio | 13.6122% | 3,796 |
| Total risk-based capital ratio | 14.8644% | 3,702 |
| Memoranda: | ||
| Average total assets | $666,338,000 | 1,064 |
| Average earning assets | $627,205,500 | 1,038 |
| Average equity | $59,850,750 | 1,300 |
| Average total loans | $538,339,500 | 912 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8776% | 3,665 |
| Cost of funding earning assets | 0.3176% | 3,926 |
| Net interest margin | 3.5600% | 3,256 |
| Noninterest income to average assets | 1.0585% | 999 |
| Noninterest expense to average assets | 3.7481% | 819 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4202% | 4,974 |
| Return on assets (ROA) | 0.4339% | 5,014 |
| Pretax return on assets | 0.6781% | 4,686 |
| Return on Equity (ROE) | 4.8690% | 4,569 |
| Retained earnings to average equity (ytd only) | 3.6905% | 3,540 |
| Net charge-offs to loans | -0.0115% | 4,744 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0896% | 961 |
| Assets per employee ($millions) | 4.3970% | 3,222 |
| Cash dividends to net income (ytd only)* | 24.2047% | 3,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2031% | 3,342 |
| Loan loss allowance to noncurrent loans | 146.3316% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 0.7504% | 2,726 |
| Noncurrent loans to loans | 0.8222% | 2,688 |
| Net loans and leases to total assets | 80.6667% | 797 |
| Net loans and leases to deposits | 98.8348% | 802 |
| Net loans and leases to core deposits | 101.1570% | 1,545 |
| Total domestic deposits to total assets | 81.6177% | 4,113 |
| Equity capital to assets | 9.0514% | 5,202 |
| Core capital (leverage) ratio | 9.5167% | 4,188 |
| Tier 1 risk-based capital ratio | 13.5296% | 3,881 |
| Total risk-based capital ratio | 14.7818% | 3,791 |
| Memoranda: | ||
| Average total assets | $666,582,330 | 1,067 |
| Average earning assets | $626,572,330 | 1,043 |
| Average equity | $59,396,000 | 1,309 |
| Average total loans | $537,010,000 | 912 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9169% | 3,525 |
| Cost of funding earning assets | 0.3186% | 3,964 |
| Net interest margin | 3.5982% | 3,085 |
| Noninterest income to average assets | 0.9013% | 1,310 |
| Noninterest expense to average assets | 3.8179% | 754 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3019% | 5,300 |
| Return on assets (ROA) | 0.3300% | 5,301 |
| Pretax return on assets | 0.5007% | 5,088 |
| Return on Equity (ROE) | 3.7327% | 4,984 |
| Retained earnings to average equity (ytd only) | 2.5472% | 4,228 |
| Net charge-offs to loans | -0.0120% | 4,606 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2857% | 720 |
| Assets per employee ($millions) | 4.2484% | 3,498 |
| Cash dividends to net income (ytd only)* | 31.7604% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2160% | 3,389 |
| Loan loss allowance to noncurrent loans | 112.1703% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 0.9800% | 2,257 |
| Noncurrent loans to loans | 1.0840% | 2,223 |
| Net loans and leases to total assets | 78.7533% | 983 |
| Net loans and leases to deposits | 95.8630% | 957 |
| Net loans and leases to core deposits | 98.0486% | 1,631 |
| Total domestic deposits to total assets | 82.1519% | 4,170 |
| Equity capital to assets | 8.8716% | 5,284 |
| Core capital (leverage) ratio | 9.4656% | 4,253 |
| Tier 1 risk-based capital ratio | 13.6910% | 3,876 |
| Total risk-based capital ratio | 14.9436% | 3,802 |
| Memoranda: | ||
| Average total assets | $667,899,000 | 1,059 |
| Average earning assets | $626,419,500 | 1,044 |
| Average equity | $59,045,500 | 1,313 |
| Average total loans | $534,461,000 | 912 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9782% | 3,386 |
| Cost of funding earning assets | 0.3195% | 4,037 |
| Net interest margin | 3.6586% | 2,905 |
| Noninterest income to average assets | 1.1759% | 861 |
| Noninterest expense to average assets | 3.7922% | 872 |
| Loan and lease loss provision to assets | -0.0503% | 5,747 |
| Net operating income to assets | 0.5479% | 4,507 |
| Return on assets (ROA) | 0.5492% | 4,597 |
| Pretax return on assets | 0.8669% | 3,965 |
| Return on Equity (ROE) | 6.0762% | 4,001 |
| Retained earnings to average equity (ytd only) | 4.8781% | 2,510 |
| Net charge-offs to loans | -0.0591% | 5,604 |
| Credit loss provision to net charge-offs | 103.1746% | 2,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3164% | 1,362 |
| Assets per employee ($millions) | 4.2874% | 3,413 |
| Cash dividends to net income (ytd only)* | 19.7183% | 3,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2160% | 3,380 |
| Loan loss allowance to noncurrent loans | 103.5247% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 1.0691% | 2,049 |
| Noncurrent loans to loans | 1.1746% | 2,012 |
| Net loans and leases to total assets | 79.3460% | 940 |
| Net loans and leases to deposits | 97.3142% | 880 |
| Net loans and leases to core deposits | 99.8279% | 1,514 |
| Total domestic deposits to total assets | 81.5359% | 4,324 |
| Equity capital to assets | 8.8091% | 5,300 |
| Core capital (leverage) ratio | 9.4491% | 4,251 |
| Tier 1 risk-based capital ratio | 13.7219% | 3,877 |
| Total risk-based capital ratio | 14.9746% | 3,806 |
| Memoranda: | ||
| Average total assets | $646,412,400 | 1,059 |
| Average earning assets | $606,180,800 | 1,034 |
| Average equity | $58,424,800 | 1,286 |
| Average total loans | $532,731,200 | 883 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9852% | 3,394 |
| Cost of funding earning assets | 0.3169% | 4,142 |
| Net interest margin | 3.6683% | 2,896 |
| Noninterest income to average assets | 1.2357% | 791 |
| Noninterest expense to average assets | 3.8110% | 842 |
| Loan and lease loss provision to assets | -0.0675% | 5,949 |
| Net operating income to assets | 0.5915% | 4,425 |
| Return on assets (ROA) | 0.5932% | 4,516 |
| Pretax return on assets | 0.9360% | 3,863 |
| Return on Equity (ROE) | 6.5209% | 3,894 |
| Retained earnings to average equity (ytd only) | 5.3222% | 2,703 |
| Net charge-offs to loans | -0.0689% | 5,657 |
| Credit loss provision to net charge-offs | 118.1818% | 2,013 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4879% | 1,467 |
| Assets per employee ($millions) | 4.1792% | 3,567 |
| Cash dividends to net income (ytd only)* | 18.3823% | 3,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 3,650 |
| Loan loss allowance to noncurrent loans | 121.5106% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 0.9523% | 2,470 |
| Noncurrent loans to loans | 0.9886% | 2,518 |
| Net loans and leases to total assets | 81.9102% | 587 |
| Net loans and leases to deposits | 101.7540% | 561 |
| Net loans and leases to core deposits | 104.4060% | 1,203 |
| Total domestic deposits to total assets | 80.4983% | 4,604 |
| Equity capital to assets | 9.0251% | 5,287 |
| Core capital (leverage) ratio | 9.5887% | 4,185 |
| Tier 1 risk-based capital ratio | 13.7733% | 3,979 |
| Total risk-based capital ratio | 15.0261% | 3,918 |
| Memoranda: | ||
| Average total assets | $641,877,000 | 1,077 |
| Average earning assets | $602,114,750 | 1,046 |
| Average equity | $58,395,750 | 1,298 |
| Average total loans | $532,467,000 | 890 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8999% | 3,693 |
| Cost of funding earning assets | 0.3139% | 4,232 |
| Net interest margin | 3.5859% | 3,146 |
| Noninterest income to average assets | 1.2533% | 773 |
| Noninterest expense to average assets | 3.8196% | 848 |
| Loan and lease loss provision to assets | -0.1016% | 6,089 |
| Net operating income to assets | 0.5753% | 4,446 |
| Return on assets (ROA) | 0.5779% | 4,536 |
| Pretax return on assets | 0.9061% | 3,936 |
| Return on Equity (ROE) | 6.3350% | 3,968 |
| Retained earnings to average equity (ytd only) | 5.1359% | 2,773 |
| Net charge-offs to loans | -0.0915% | 5,756 |
| Credit loss provision to net charge-offs | 133.7449% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6749% | 1,415 |
| Assets per employee ($millions) | 4.1847% | 3,497 |
| Cash dividends to net income (ytd only)* | 18.9292% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1953% | 3,821 |
| Loan loss allowance to noncurrent loans | 112.2007% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 1.0146% | 2,486 |
| Noncurrent loans to loans | 1.0653% | 2,515 |
| Net loans and leases to total assets | 81.8052% | 574 |
| Net loans and leases to deposits | 99.3215% | 700 |
| Net loans and leases to core deposits | 101.9827% | 1,328 |
| Total domestic deposits to total assets | 82.3641% | 4,164 |
| Equity capital to assets | 8.8164% | 5,417 |
| Core capital (leverage) ratio | 9.5839% | 4,156 |
| Tier 1 risk-based capital ratio | 13.7591% | 4,060 |
| Total risk-based capital ratio | 15.0121% | 3,995 |
| Memoranda: | ||
| Average total assets | $639,912,670 | 1,080 |
| Average earning assets | $600,789,670 | 1,059 |
| Average equity | $58,373,670 | 1,305 |
| Average total loans | $530,942,330 | 894 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9438% | 3,442 |
| Cost of funding earning assets | 0.3086% | 4,342 |
| Net interest margin | 3.6352% | 2,876 |
| Noninterest income to average assets | 1.2745% | 708 |
| Noninterest expense to average assets | 3.8826% | 790 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5058% | 4,655 |
| Return on assets (ROA) | 0.5110% | 4,745 |
| Pretax return on assets | 0.8100% | 4,199 |
| Return on Equity (ROE) | 5.5081% | 4,279 |
| Retained earnings to average equity (ytd only) | 4.3210% | 3,419 |
| Net charge-offs to loans | -0.0349% | 5,335 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8832% | 1,511 |
| Assets per employee ($millions) | 4.0619% | 3,843 |
| Cash dividends to net income (ytd only)* | 21.5517% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2485% | 3,698 |
| Loan loss allowance to noncurrent loans | 92.9707% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 1.1185% | 2,396 |
| Noncurrent loans to loans | 1.3429% | 2,142 |
| Net loans and leases to total assets | 82.2489% | 437 |
| Net loans and leases to deposits | 99.0177% | 622 |
| Net loans and leases to core deposits | 101.8318% | 1,192 |
| Total domestic deposits to total assets | 83.0648% | 4,161 |
| Equity capital to assets | 9.4471% | 4,810 |
| Core capital (leverage) ratio | 9.5333% | 4,221 |
| Tier 1 risk-based capital ratio | 14.0194% | 3,998 |
| Total risk-based capital ratio | 15.2733% | 3,920 |
| Memoranda: | ||
| Average total assets | $635,557,000 | 1,094 |
| Average earning assets | $596,174,500 | 1,067 |
| Average equity | $58,968,000 | 1,301 |
| Average total loans | $527,900,000 | 892 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0256% | 3,621 |
| Cost of funding earning assets | 0.3292% | 4,500 |
| Net interest margin | 3.6964% | 3,023 |
| Noninterest income to average assets | 0.9325% | 1,406 |
| Noninterest expense to average assets | 3.7315% | 1,095 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4213% | 5,147 |
| Return on assets (ROA) | 0.4402% | 5,154 |
| Pretax return on assets | 0.6795% | 4,698 |
| Return on Equity (ROE) | 5.0081% | 4,660 |
| Retained earnings to average equity (ytd only) | 3.9365% | 3,412 |
| Net charge-offs to loans | -0.0035% | 5,424 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1564% | 1,266 |
| Assets per employee ($millions) | 4.0861% | 3,752 |
| Cash dividends to net income (ytd only)* | 21.3980% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2233% | 3,863 |
| Loan loss allowance to noncurrent loans | 81.2828% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 1.2467% | 2,262 |
| Noncurrent loans to loans | 1.5050% | 1,946 |
| Net loans and leases to total assets | 81.8241% | 540 |
| Net loans and leases to deposits | 101.4978% | 540 |
| Net loans and leases to core deposits | 104.5577% | 1,096 |
| Total domestic deposits to total assets | 80.6167% | 4,853 |
| Equity capital to assets | 9.1123% | 5,171 |
| Core capital (leverage) ratio | 9.1575% | 4,740 |
| Tier 1 risk-based capital ratio | 14.3595% | 3,856 |
| Total risk-based capital ratio | 15.6141% | 3,789 |
| Memoranda: | ||
| Average total assets | $636,963,800 | 1,050 |
| Average earning assets | $594,393,400 | 1,032 |
| Average equity | $55,989,000 | 1,304 |
| Average total loans | $515,272,600 | 863 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9989% | 3,765 |
| Cost of funding earning assets | 0.3326% | 4,537 |
| Net interest margin | 3.6663% | 3,166 |
| Noninterest income to average assets | 0.9493% | 1,366 |
| Noninterest expense to average assets | 3.7999% | 975 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3772% | 5,331 |
| Return on assets (ROA) | 0.4049% | 5,309 |
| Pretax return on assets | 0.6075% | 5,005 |
| Return on Equity (ROE) | 4.6496% | 4,878 |
| Retained earnings to average equity (ytd only) | 3.6263% | 4,067 |
| Net charge-offs to loans | 0.0026% | 4,618 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 270.0608% | 251 |
| Efficiency ratio | 87.0323% | 1,091 |
| Assets per employee ($millions) | 3.9774% | 3,939 |
| Cash dividends to net income (ytd only)* | 22.0092% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2264% | 4,099 |
| Loan loss allowance to noncurrent loans | 79.2580% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 1.5944% | 1,909 |
| Noncurrent loans to loans | 1.5473% | 2,097 |
| Net loans and leases to total assets | 81.4125% | 568 |
| Net loans and leases to deposits | 100.7370% | 575 |
| Net loans and leases to core deposits | 103.8785% | 1,111 |
| Total domestic deposits to total assets | 80.8169% | 4,874 |
| Equity capital to assets | 8.9541% | 5,397 |
| Core capital (leverage) ratio | 8.8531% | 5,259 |
| Tier 1 risk-based capital ratio | 14.0798% | 4,156 |
| Total risk-based capital ratio | 15.3346% | 4,094 |
| Memoranda: | ||
| Average total assets | $635,826,000 | 1,064 |
| Average earning assets | $592,548,000 | 1,043 |
| Average equity | $55,372,000 | 1,322 |
| Average total loans | $511,237,000 | 874 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9211% | 4,050 |
| Cost of funding earning assets | 0.3300% | 4,647 |
| Net interest margin | 3.5911% | 3,395 |
| Noninterest income to average assets | 0.9052% | 1,484 |
| Noninterest expense to average assets | 3.8640% | 891 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2737% | 5,651 |
| Return on assets (ROA) | 0.3103% | 5,607 |
| Pretax return on assets | 0.4339% | 5,469 |
| Return on Equity (ROE) | 3.5967% | 5,303 |
| Retained earnings to average equity (ytd only) | 2.6829% | 4,501 |
| Net charge-offs to loans | -0.0289% | 5,671 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9800% | 835 |
| Assets per employee ($millions) | 3.9392% | 3,975 |
| Cash dividends to net income (ytd only)* | 25.4065% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 4,337 |
| Loan loss allowance to noncurrent loans | 76.4192% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 1.4562% | 2,239 |
| Noncurrent loans to loans | 1.5951% | 2,181 |
| Net loans and leases to total assets | 81.2448% | 550 |
| Net loans and leases to deposits | 98.3928% | 641 |
| Net loans and leases to core deposits | 100.9923% | 1,205 |
| Total domestic deposits to total assets | 82.5719% | 4,457 |
| Equity capital to assets | 8.6787% | 5,634 |
| Core capital (leverage) ratio | 8.9678% | 5,067 |
| Tier 1 risk-based capital ratio | 13.7938% | 4,392 |
| Total risk-based capital ratio | 15.0488% | 4,339 |
| Memoranda: | ||
| Average total assets | $634,312,670 | 1,064 |
| Average earning assets | $590,287,670 | 1,047 |
| Average equity | $54,716,330 | 1,326 |
| Average total loans | $505,712,330 | 880 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8923% | 4,113 |
| Cost of funding earning assets | 0.3368% | 4,673 |
| Net interest margin | 3.5555% | 3,454 |
| Noninterest income to average assets | 0.7250% | 2,054 |
| Noninterest expense to average assets | 4.0307% | 731 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.0019% | 6,218 |
| Return on assets (ROA) | 0.1415% | 5,979 |
| Pretax return on assets | 0.1371% | 6,027 |
| Return on Equity (ROE) | 1.6462% | 5,884 |
| Retained earnings to average equity (ytd only) | 0.3427% | 5,433 |
| Net charge-offs to loans | -0.0229% | 5,416 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.1592% | 462 |
| Assets per employee ($millions) | 3.7408% | 4,447 |
| Cash dividends to net income (ytd only)* | 79.1855% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3094% | 4,082 |
| Loan loss allowance to noncurrent loans | 77.7062% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 1.4922% | 2,362 |
| Noncurrent loans to loans | 1.6851% | 2,305 |
| Net loans and leases to total assets | 78.5546% | 704 |
| Net loans and leases to deposits | 92.4087% | 922 |
| Net loans and leases to core deposits | 95.0419% | 1,465 |
| Total domestic deposits to total assets | 85.0078% | 3,864 |
| Equity capital to assets | 8.6476% | 5,498 |
| Core capital (leverage) ratio | 9.0268% | 4,969 |
| Tier 1 risk-based capital ratio | 14.3864% | 4,073 |
| Total risk-based capital ratio | 15.6424% | 4,028 |
| Memoranda: | ||
| Average total assets | $624,514,500 | 1,090 |
| Average earning assets | $579,497,500 | 1,069 |
| Average equity | $53,699,000 | 1,348 |
| Average total loans | $489,657,000 | 908 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9661% | 4,213 |
| Cost of funding earning assets | 0.3880% | 4,767 |
| Net interest margin | 3.5781% | 3,557 |
| Noninterest income to average assets | 1.1265% | 1,109 |
| Noninterest expense to average assets | 3.9262% | 952 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3421% | 5,369 |
| Return on assets (ROA) | 0.3444% | 5,467 |
| Pretax return on assets | 0.5161% | 5,157 |
| Return on Equity (ROE) | 4.0294% | 5,098 |
| Retained earnings to average equity (ytd only) | 2.9641% | 4,132 |
| Net charge-offs to loans | 0.0906% | 3,938 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 7.5986% | 2,808 |
| Efficiency ratio | 88.4525% | 1,169 |
| Assets per employee ($millions) | 3.6297% | 4,614 |
| Cash dividends to net income (ytd only)* | 26.4368% | 3,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3449% | 3,916 |
| Loan loss allowance to noncurrent loans | 79.1672% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 1.4627% | 2,548 |
| Noncurrent loans to loans | 1.6988% | 2,362 |
| Net loans and leases to total assets | 76.1760% | 1,046 |
| Net loans and leases to deposits | 89.6402% | 1,266 |
| Net loans and leases to core deposits | 92.3029% | 1,766 |
| Total domestic deposits to total assets | 84.9798% | 3,759 |
| Equity capital to assets | 8.5494% | 5,531 |
| Core capital (leverage) ratio | 9.1215% | 4,824 |
| Tier 1 risk-based capital ratio | 14.6369% | 3,881 |
| Total risk-based capital ratio | 15.8928% | 3,820 |
| Memoranda: | ||
| Average total assets | $631,526,000 | 1,060 |
| Average earning assets | $584,609,200 | 1,048 |
| Average equity | $53,978,400 | 1,317 |
| Average total loans | $470,049,400 | 907 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9435% | 4,337 |
| Cost of funding earning assets | 0.3960% | 4,848 |
| Net interest margin | 3.5475% | 3,669 |
| Noninterest income to average assets | 1.2705% | 912 |
| Noninterest expense to average assets | 3.9658% | 889 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3896% | 5,285 |
| Return on assets (ROA) | 0.3926% | 5,408 |
| Pretax return on assets | 0.5943% | 5,033 |
| Return on Equity (ROE) | 4.5938% | 4,936 |
| Retained earnings to average equity (ytd only) | 3.6085% | 4,123 |
| Net charge-offs to loans | 0.1299% | 3,233 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 6.1561% | 3,031 |
| Efficiency ratio | 87.0558% | 1,252 |
| Assets per employee ($millions) | 3.7668% | 4,308 |
| Cash dividends to net income (ytd only)* | 21.4478% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3493% | 4,142 |
| Loan loss allowance to noncurrent loans | 90.1523% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 1.3115% | 3,027 |
| Noncurrent loans to loans | 1.4967% | 2,920 |
| Net loans and leases to total assets | 76.3835% | 956 |
| Net loans and leases to deposits | 89.9158% | 1,178 |
| Net loans and leases to core deposits | 92.6974% | 1,702 |
| Total domestic deposits to total assets | 84.9500% | 3,775 |
| Equity capital to assets | 8.7150% | 5,503 |
| Core capital (leverage) ratio | 9.0150% | 5,104 |
| Tier 1 risk-based capital ratio | 14.5235% | 4,060 |
| Total risk-based capital ratio | 15.7794% | 4,011 |
| Memoranda: | ||
| Average total assets | $633,329,500 | 1,066 |
| Average earning assets | $586,465,000 | 1,051 |
| Average equity | $54,129,250 | 1,325 |
| Average total loans | $467,047,000 | 915 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8837% | 4,541 |
| Cost of funding earning assets | 0.4034% | 4,913 |
| Net interest margin | 3.4802% | 3,869 |
| Noninterest income to average assets | 1.4117% | 791 |
| Noninterest expense to average assets | 4.0600% | 807 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3782% | 5,297 |
| Return on assets (ROA) | 0.3743% | 5,482 |
| Pretax return on assets | 0.5666% | 5,139 |
| Return on Equity (ROE) | 4.4074% | 5,046 |
| Retained earnings to average equity (ytd only) | 3.5776% | 4,043 |
| Net charge-offs to loans | 0.1981% | 2,577 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 3.9826% | 3,247 |
| Efficiency ratio | 87.6403% | 1,258 |
| Assets per employee ($millions) | 3.8356% | 4,143 |
| Cash dividends to net income (ytd only)* | 18.8285% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 4,040 |
| Loan loss allowance to noncurrent loans | 83.6793% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 1.3732% | 3,046 |
| Noncurrent loans to loans | 1.6716% | 2,807 |
| Net loans and leases to total assets | 70.9790% | 1,722 |
| Net loans and leases to deposits | 82.6998% | 1,963 |
| Net loans and leases to core deposits | 85.1099% | 2,426 |
| Total domestic deposits to total assets | 85.8272% | 3,456 |
| Equity capital to assets | 8.3835% | 5,882 |
| Core capital (leverage) ratio | 8.8004% | 5,287 |
| Tier 1 risk-based capital ratio | 14.4766% | 4,118 |
| Total risk-based capital ratio | 15.7325% | 4,071 |
| Memoranda: | ||
| Average total assets | $638,521,330 | 1,053 |
| Average earning assets | $590,934,670 | 1,044 |
| Average equity | $54,226,670 | 1,328 |
| Average total loans | $463,290,670 | 915 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9411% | 4,327 |
| Cost of funding earning assets | 0.4174% | 4,932 |
| Net interest margin | 3.5237% | 3,603 |
| Noninterest income to average assets | 1.6213% | 595 |
| Noninterest expense to average assets | 4.2992% | 627 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3921% | 5,158 |
| Return on assets (ROA) | 0.3840% | 5,336 |
| Pretax return on assets | 0.5678% | 5,058 |
| Return on Equity (ROE) | 4.4926% | 4,851 |
| Retained earnings to average equity (ytd only) | 4.1255% | 3,748 |
| Net charge-offs to loans | 0.2730% | 1,864 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.9148% | 2,898 |
| Efficiency ratio | 88.1173% | 1,316 |
| Assets per employee ($millions) | 3.7510% | 4,446 |
| Cash dividends to net income (ytd only)* | 8.1699% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5048% | 3,805 |
| Loan loss allowance to noncurrent loans | 70.2098% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 1.6242% | 2,828 |
| Noncurrent loans to loans | 2.1433% | 2,447 |
| Net loans and leases to total assets | 67.6630% | 2,082 |
| Net loans and leases to deposits | 79.0558% | 2,205 |
| Net loans and leases to core deposits | 81.3292% | 2,649 |
| Total domestic deposits to total assets | 85.5889% | 3,746 |
| Equity capital to assets | 8.5752% | 5,939 |
| Core capital (leverage) ratio | 8.7670% | 5,237 |
| Tier 1 risk-based capital ratio | 14.6978% | 4,041 |
| Total risk-based capital ratio | 15.9547% | 4,003 |
| Memoranda: | ||
| Average total assets | $637,509,000 | 1,072 |
| Average earning assets | $589,383,500 | 1,054 |
| Average equity | $54,490,000 | 1,337 |
| Average total loans | $464,384,500 | 915 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4417% | 3,647 |
| Cost of funding earning assets | 0.5327% | 4,974 |
| Net interest margin | 3.9090% | 2,789 |
| Noninterest income to average assets | 2.3262% | 347 |
| Noninterest expense to average assets | 5.0237% | 367 |
| Loan and lease loss provision to assets | 0.2574% | 2,589 |
| Net operating income to assets | 0.4231% | 4,994 |
| Return on assets (ROA) | 0.4511% | 5,125 |
| Pretax return on assets | 0.6856% | 4,712 |
| Return on Equity (ROE) | 5.3713% | 4,488 |
| Retained earnings to average equity (ytd only) | 4.9960% | 2,704 |
| Net charge-offs to loans | 0.2893% | 3,209 |
| Credit loss provision to net charge-offs | 117.2290% | 2,460 |
| Earnings coverage of net charge-offs (x) | 4.1019% | 3,480 |
| Efficiency ratio | 84.7983% | 1,535 |
| Assets per employee ($millions) | 3.7713% | 4,423 |
| Cash dividends to net income (ytd only)* | 6.9881% | 4,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4079% | 4,136 |
| Loan loss allowance to noncurrent loans | 58.2841% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 2.1285% | 2,300 |
| Noncurrent loans to loans | 2.4157% | 2,207 |
| Net loans and leases to total assets | 75.9084% | 924 |
| Net loans and leases to deposits | 88.9763% | 1,168 |
| Net loans and leases to core deposits | 91.5124% | 1,673 |
| Total domestic deposits to total assets | 85.3131% | 3,702 |
| Equity capital to assets | 8.5194% | 6,035 |
| Core capital (leverage) ratio | 8.7267% | 5,287 |
| Tier 1 risk-based capital ratio | 13.4089% | 4,818 |
| Total risk-based capital ratio | 14.6669% | 4,763 |
| Memoranda: | ||
| Average total assets | $634,471,600 | 1,040 |
| Average earning assets | $584,013,000 | 1,039 |
| Average equity | $53,282,800 | 1,336 |
| Average total loans | $481,452,800 | 855 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5030% | 3,628 |
| Cost of funding earning assets | 0.5550% | 5,044 |
| Net interest margin | 3.9479% | 2,711 |
| Noninterest income to average assets | 2.1979% | 373 |
| Noninterest expense to average assets | 4.9734% | 369 |
| Loan and lease loss provision to assets | 0.2910% | 2,254 |
| Net operating income to assets | 0.3777% | 5,340 |
| Return on assets (ROA) | 0.4098% | 5,440 |
| Pretax return on assets | 0.6147% | 5,123 |
| Return on Equity (ROE) | 4.8979% | 4,870 |
| Retained earnings to average equity (ytd only) | 4.5207% | 3,719 |
| Net charge-offs to loans | 0.3865% | 2,547 |
| Credit loss provision to net charge-offs | 99.5680% | 3,018 |
| Earnings coverage of net charge-offs (x) | 2.9352% | 3,851 |
| Efficiency ratio | 85.2906% | 1,450 |
| Assets per employee ($millions) | 3.6619% | 4,624 |
| Cash dividends to net income (ytd only)* | 7.7004% | 3,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3824% | 4,450 |
| Loan loss allowance to noncurrent loans | 43.6460% | 5,473 |
| Noncurrent assets plus other real estate owned to assets | 2.7430% | 1,926 |
| Noncurrent loans to loans | 3.1673% | 1,748 |
| Net loans and leases to total assets | 75.4655% | 1,049 |
| Net loans and leases to deposits | 88.4064% | 1,305 |
| Net loans and leases to core deposits | 91.3831% | 1,839 |
| Total domestic deposits to total assets | 85.3620% | 3,583 |
| Equity capital to assets | 8.5116% | 6,247 |
| Core capital (leverage) ratio | 8.6224% | 5,592 |
| Tier 1 risk-based capital ratio | 13.0307% | 5,215 |
| Total risk-based capital ratio | 14.2887% | 5,168 |
| Memoranda: | ||
| Average total assets | $633,750,500 | 1,049 |
| Average earning assets | $583,246,250 | 1,041 |
| Average equity | $53,028,750 | 1,351 |
| Average total loans | $479,137,000 | 866 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5641% | 3,509 |
| Cost of funding earning assets | 0.5756% | 5,111 |
| Net interest margin | 3.9885% | 2,554 |
| Noninterest income to average assets | 1.9624% | 417 |
| Noninterest expense to average assets | 4.8050% | 426 |
| Loan and lease loss provision to assets | 0.2623% | 2,477 |
| Net operating income to assets | 0.3828% | 5,279 |
| Return on assets (ROA) | 0.3971% | 5,459 |
| Pretax return on assets | 0.5823% | 5,203 |
| Return on Equity (ROE) | 4.7734% | 4,923 |
| Retained earnings to average equity (ytd only) | 4.3948% | 3,688 |
| Net charge-offs to loans | 0.4191% | 2,357 |
| Credit loss provision to net charge-offs | 83.1337% | 3,238 |
| Earnings coverage of net charge-offs (x) | 2.6098% | 3,700 |
| Efficiency ratio | 85.3682% | 1,490 |
| Assets per employee ($millions) | 3.6271% | 4,689 |
| Cash dividends to net income (ytd only)* | 7.9302% | 3,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3658% | 4,590 |
| Loan loss allowance to noncurrent loans | 41.3355% | 5,588 |
| Noncurrent assets plus other real estate owned to assets | 3.1017% | 1,761 |
| Noncurrent loans to loans | 3.3043% | 1,766 |
| Net loans and leases to total assets | 73.9496% | 1,251 |
| Net loans and leases to deposits | 86.4266% | 1,543 |
| Net loans and leases to core deposits | 89.2647% | 2,066 |
| Total domestic deposits to total assets | 85.5635% | 3,581 |
| Equity capital to assets | 8.3247% | 6,357 |
| Core capital (leverage) ratio | 8.4423% | 5,723 |
| Tier 1 risk-based capital ratio | 12.7877% | 5,351 |
| Total risk-based capital ratio | 14.0487% | 5,315 |
| Memoranda: | ||
| Average total assets | $635,051,330 | 1,045 |
| Average earning assets | $583,731,000 | 1,030 |
| Average equity | $52,835,000 | 1,347 |
| Average total loans | $478,189,000 | 863 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6365% | 3,329 |
| Cost of funding earning assets | 0.6047% | 5,089 |
| Net interest margin | 4.0319% | 2,364 |
| Noninterest income to average assets | 1.9043% | 445 |
| Noninterest expense to average assets | 4.7884% | 427 |
| Loan and lease loss provision to assets | 0.3671% | 1,717 |
| Net operating income to assets | 0.2989% | 5,663 |
| Return on assets (ROA) | 0.2972% | 5,833 |
| Pretax return on assets | 0.4496% | 5,581 |
| Return on Equity (ROE) | 3.5736% | 5,473 |
| Retained earnings to average equity (ytd only) | 3.1950% | 4,651 |
| Net charge-offs to loans | 0.7953% | 1,292 |
| Credit loss provision to net charge-offs | 61.1752% | 3,090 |
| Earnings coverage of net charge-offs (x) | 1.3652% | 3,648 |
| Efficiency ratio | 85.3902% | 1,537 |
| Assets per employee ($millions) | 3.8097% | 4,404 |
| Cash dividends to net income (ytd only)* | 10.5932% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3130% | 4,964 |
| Loan loss allowance to noncurrent loans | 32.7493% | 6,037 |
| Noncurrent assets plus other real estate owned to assets | 3.4166% | 1,682 |
| Noncurrent loans to loans | 4.0094% | 1,525 |
| Net loans and leases to total assets | 74.4134% | 998 |
| Net loans and leases to deposits | 86.6102% | 1,337 |
| Net loans and leases to core deposits | 89.3636% | 1,914 |
| Total domestic deposits to total assets | 85.9176% | 3,579 |
| Equity capital to assets | 8.3566% | 6,216 |
| Core capital (leverage) ratio | 8.2858% | 5,896 |
| Tier 1 risk-based capital ratio | 12.3711% | 5,707 |
| Total risk-based capital ratio | 13.6301% | 5,657 |
| Memoranda: | ||
| Average total assets | $635,202,000 | 1,044 |
| Average earning assets | $583,453,000 | 1,034 |
| Average equity | $52,832,000 | 1,341 |
| Average total loans | $479,336,000 | 861 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8889% | 3,414 |
| Cost of funding earning assets | 0.8086% | 4,805 |
| Net interest margin | 4.0803% | 2,526 |
| Noninterest income to average assets | 1.3080% | 753 |
| Noninterest expense to average assets | 4.6383% | 508 |
| Loan and lease loss provision to assets | 0.4155% | 2,513 |
| Net operating income to assets | 0.0359% | 5,982 |
| Return on assets (ROA) | 0.0431% | 6,085 |
| Pretax return on assets | -0.0102% | 6,143 |
| Return on Equity (ROE) | 0.5303% | 6,055 |
| Retained earnings to average equity (ytd only) | 0.4342% | 5,629 |
| Net charge-offs to loans | 0.5530% | 2,803 |
| Credit loss provision to net charge-offs | 100.1130% | 3,495 |
| Earnings coverage of net charge-offs (x) | 0.9495% | 5,090 |
| Efficiency ratio | 92.1696% | 1,035 |
| Assets per employee ($millions) | 3.7976% | 4,316 |
| Cash dividends to net income (ytd only)* | 18.1159% | 3,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3924% | 4,495 |
| Loan loss allowance to noncurrent loans | 39.2479% | 5,650 |
| Noncurrent assets plus other real estate owned to assets | 3.5453% | 1,668 |
| Noncurrent loans to loans | 3.5478% | 1,807 |
| Net loans and leases to total assets | 74.4691% | 1,184 |
| Net loans and leases to deposits | 86.8351% | 1,557 |
| Net loans and leases to core deposits | 89.5395% | 2,188 |
| Total domestic deposits to total assets | 85.7592% | 3,454 |
| Equity capital to assets | 8.2779% | 6,369 |
| Core capital (leverage) ratio | 8.3345% | 5,804 |
| Tier 1 risk-based capital ratio | 12.3797% | 5,558 |
| Total risk-based capital ratio | 13.6387% | 5,519 |
| Memoranda: | ||
| Average total assets | $639,753,600 | 1,013 |
| Average earning assets | $583,957,600 | 1,013 |
| Average equity | $52,046,000 | 1,312 |
| Average total loans | $480,103,400 | 872 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8737% | 3,665 |
| Cost of funding earning assets | 0.8500% | 4,772 |
| Net interest margin | 4.0237% | 2,816 |
| Noninterest income to average assets | 1.2064% | 906 |
| Noninterest expense to average assets | 4.5378% | 563 |
| Loan and lease loss provision to assets | 0.3571% | 2,727 |
| Net operating income to assets | 0.0281% | 6,120 |
| Return on assets (ROA) | 0.0497% | 6,176 |
| Pretax return on assets | 0.0058% | 6,222 |
| Return on Equity (ROE) | 0.6136% | 6,152 |
| Retained earnings to average equity (ytd only) | 0.6136% | 5,773 |
| Net charge-offs to loans | 0.4840% | 2,803 |
| Credit loss provision to net charge-offs | 98.4518% | 3,471 |
| Earnings coverage of net charge-offs (x) | 0.9409% | 4,917 |
| Efficiency ratio | 93.0057% | 969 |
| Assets per employee ($millions) | 3.7917% | 4,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3451% | 4,798 |
| Loan loss allowance to noncurrent loans | 35.6725% | 5,921 |
| Noncurrent assets plus other real estate owned to assets | 4.4138% | 1,365 |
| Noncurrent loans to loans | 3.7708% | 1,799 |
| Net loans and leases to total assets | 77.8283% | 722 |
| Net loans and leases to deposits | 90.9615% | 1,115 |
| Net loans and leases to core deposits | 94.0473% | 1,790 |
| Total domestic deposits to total assets | 85.5618% | 3,460 |
| Equity capital to assets | 8.3900% | 6,407 |
| Core capital (leverage) ratio | 8.4450% | 5,782 |
| Tier 1 risk-based capital ratio | 12.2021% | 5,742 |
| Total risk-based capital ratio | 13.4626% | 5,720 |
| Memoranda: | ||
| Average total assets | $641,144,000 | 1,016 |
| Average earning assets | $585,220,750 | 1,011 |
| Average equity | $51,933,000 | 1,313 |
| Average total loans | $480,392,750 | 887 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8590% | 3,821 |
| Cost of funding earning assets | 0.8920% | 4,740 |
| Net interest margin | 3.9670% | 3,005 |
| Noninterest income to average assets | 1.1236% | 1,024 |
| Noninterest expense to average assets | 4.6185% | 526 |
| Loan and lease loss provision to assets | 0.4800% | 2,062 |
| Net operating income to assets | -0.1627% | 6,433 |
| Return on assets (ROA) | -0.1368% | 6,442 |
| Pretax return on assets | -0.3082% | 6,537 |
| Return on Equity (ROE) | -1.7083% | 6,486 |
| Retained earnings to average equity (ytd only) | -1.7083% | 6,198 |
| Net charge-offs to loans | 0.6420% | 2,236 |
| Credit loss provision to net charge-offs | 101.5052% | 3,058 |
| Earnings coverage of net charge-offs (x) | 0.2775% | 5,103 |
| Efficiency ratio | 97.2376% | 823 |
| Assets per employee ($millions) | 3.5307% | 4,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4528% | 4,332 |
| Loan loss allowance to noncurrent loans | 42.1886% | 5,509 |
| Noncurrent assets plus other real estate owned to assets | 4.0657% | 1,574 |
| Noncurrent loans to loans | 3.4435% | 2,054 |
| Net loans and leases to total assets | 71.0025% | 2,006 |
| Net loans and leases to deposits | 82.9892% | 2,283 |
| Net loans and leases to core deposits | 85.5816% | 2,980 |
| Total domestic deposits to total assets | 85.5563% | 3,591 |
| Equity capital to assets | 8.0826% | 6,613 |
| Core capital (leverage) ratio | 8.0589% | 6,221 |
| Tier 1 risk-based capital ratio | 12.1750% | 5,640 |
| Total risk-based capital ratio | 13.4394% | 5,607 |
| Memoranda: | ||
| Average total assets | $646,316,330 | 1,017 |
| Average earning assets | $590,777,670 | 1,013 |
| Average equity | $51,747,330 | 1,298 |
| Average total loans | $476,005,670 | 910 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9137% | 3,523 |
| Cost of funding earning assets | 0.9215% | 4,766 |
| Net interest margin | 3.9922% | 2,715 |
| Noninterest income to average assets | 1.4721% | 593 |
| Noninterest expense to average assets | 5.1401% | 324 |
| Loan and lease loss provision to assets | 0.8622% | 947 |
| Net operating income to assets | -0.5184% | 6,814 |
| Return on assets (ROA) | -0.4585% | 6,791 |
| Pretax return on assets | -0.7865% | 6,913 |
| Return on Equity (ROE) | -5.7535% | 6,849 |
| Retained earnings to average equity (ytd only) | -5.7535% | 6,575 |
| Net charge-offs to loans | 0.5978% | 1,998 |
| Credit loss provision to net charge-offs | 193.7759% | 1,527 |
| Earnings coverage of net charge-offs (x) | -0.0401% | 4,613 |
| Efficiency ratio | 100.3484% | 729 |
| Assets per employee ($millions) | 3.5296% | 4,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6245% | 3,630 |
| Loan loss allowance to noncurrent loans | 37.6191% | 5,788 |
| Noncurrent assets plus other real estate owned to assets | 4.2260% | 1,560 |
| Noncurrent loans to loans | 4.3183% | 1,639 |
| Net loans and leases to total assets | 69.6125% | 2,198 |
| Net loans and leases to deposits | 81.0639% | 2,513 |
| Net loans and leases to core deposits | 83.7037% | 3,207 |
| Total domestic deposits to total assets | 85.8736% | 3,597 |
| Equity capital to assets | 8.0150% | 6,482 |
| Core capital (leverage) ratio | 7.9230% | 6,335 |
| Tier 1 risk-based capital ratio | 12.2671% | 5,465 |
| Total risk-based capital ratio | 13.5303% | 5,449 |
| Memoranda: | ||
| Average total assets | $649,947,000 | 1,022 |
| Average earning assets | $594,260,500 | 1,012 |
| Average equity | $51,795,000 | 1,290 |
| Average total loans | $483,791,500 | 904 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4051% | 2,651 |
| Cost of funding earning assets | 1.3149% | 3,790 |
| Net interest margin | 4.0902% | 2,615 |
| Noninterest income to average assets | 1.8254% | 463 |
| Noninterest expense to average assets | 4.6123% | 585 |
| Loan and lease loss provision to assets | 0.2891% | 4,488 |
| Net operating income to assets | 0.4592% | 4,271 |
| Return on assets (ROA) | 0.3971% | 4,694 |
| Pretax return on assets | 0.6060% | 4,303 |
| Return on Equity (ROE) | 5.4550% | 3,860 |
| Retained earnings to average equity (ytd only) | 5.4550% | 2,144 |
| Net charge-offs to loans | 0.3666% | 4,195 |
| Credit loss provision to net charge-offs | 100.3512% | 4,538 |
| Earnings coverage of net charge-offs (x) | 3.4335% | 3,358 |
| Efficiency ratio | 82.3411% | 2,118 |
| Assets per employee ($millions) | 3.5349% | 4,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2931% | 5,038 |
| Loan loss allowance to noncurrent loans | 37.3885% | 5,814 |
| Noncurrent assets plus other real estate owned to assets | 4.4281% | 1,504 |
| Noncurrent loans to loans | 3.4585% | 2,189 |
| Net loans and leases to total assets | 76.9774% | 1,098 |
| Net loans and leases to deposits | 90.4671% | 1,465 |
| Net loans and leases to core deposits | 93.3198% | 2,341 |
| Total domestic deposits to total assets | 85.0888% | 3,804 |
| Equity capital to assets | 7.9247% | 6,557 |
| Core capital (leverage) ratio | 7.9165% | 6,300 |
| Tier 1 risk-based capital ratio | 11.4410% | 5,957 |
| Total risk-based capital ratio | 12.7043% | 5,944 |
| Memoranda: | ||
| Average total assets | $691,796,200 | 963 |
| Average earning assets | $638,678,600 | 948 |
| Average equity | $50,357,400 | 1,325 |
| Average total loans | $543,714,000 | 834 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4245% | 2,771 |
| Cost of funding earning assets | 1.3875% | 3,650 |
| Net interest margin | 4.0370% | 2,922 |
| Noninterest income to average assets | 1.4361% | 655 |
| Noninterest expense to average assets | 4.3046% | 741 |
| Loan and lease loss provision to assets | 0.2859% | 4,283 |
| Net operating income to assets | 0.3792% | 4,846 |
| Return on assets (ROA) | 0.3267% | 5,225 |
| Pretax return on assets | 0.4975% | 4,936 |
| Return on Equity (ROE) | 4.5843% | 4,512 |
| Retained earnings to average equity (ytd only) | 4.5843% | 3,281 |
| Net charge-offs to loans | 0.2811% | 4,260 |
| Credit loss provision to net charge-offs | 129.1990% | 3,139 |
| Earnings coverage of net charge-offs (x) | 3.8992% | 3,262 |
| Efficiency ratio | 83.3014% | 1,917 |
| Assets per employee ($millions) | 3.5142% | 4,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2923% | 5,009 |
| Loan loss allowance to noncurrent loans | 29.2510% | 6,374 |
| Noncurrent assets plus other real estate owned to assets | 4.6062% | 1,459 |
| Noncurrent loans to loans | 4.4180% | 1,645 |
| Net loans and leases to total assets | 79.2192% | 860 |
| Net loans and leases to deposits | 94.9354% | 1,104 |
| Net loans and leases to core deposits | 98.4813% | 1,999 |
| Total domestic deposits to total assets | 83.4454% | 4,400 |
| Equity capital to assets | 7.6602% | 7,027 |
| Core capital (leverage) ratio | 7.4996% | 6,845 |
| Tier 1 risk-based capital ratio | 10.6579% | 6,668 |
| Total risk-based capital ratio | 11.9229% | 6,644 |
| Memoranda: | ||
| Average total assets | $699,487,250 | 956 |
| Average earning assets | $646,534,250 | 944 |
| Average equity | $49,850,500 | 1,345 |
| Average total loans | $550,764,750 | 823 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4051% | 2,954 |
| Cost of funding earning assets | 1.4486% | 3,563 |
| Net interest margin | 3.9565% | 3,218 |
| Noninterest income to average assets | 1.1309% | 1,026 |
| Noninterest expense to average assets | 4.1023% | 921 |
| Loan and lease loss provision to assets | 0.3111% | 3,887 |
| Net operating income to assets | 0.2364% | 5,432 |
| Return on assets (ROA) | 0.2382% | 5,560 |
| Pretax return on assets | 0.3764% | 5,285 |
| Return on Equity (ROE) | 3.4241% | 5,048 |
| Retained earnings to average equity (ytd only) | 3.4241% | 3,933 |
| Net charge-offs to loans | 0.2676% | 4,003 |
| Credit loss provision to net charge-offs | 148.5830% | 2,657 |
| Earnings coverage of net charge-offs (x) | 3.2699% | 3,391 |
| Efficiency ratio | 85.6966% | 1,752 |
| Assets per employee ($millions) | 3.7394% | 4,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2833% | 5,019 |
| Loan loss allowance to noncurrent loans | 31.2067% | 6,283 |
| Noncurrent assets plus other real estate owned to assets | 4.7067% | 1,374 |
| Noncurrent loans to loans | 4.1123% | 1,824 |
| Net loans and leases to total assets | 78.0493% | 1,105 |
| Net loans and leases to deposits | 93.4685% | 1,342 |
| Net loans and leases to core deposits | 95.8317% | 2,459 |
| Total domestic deposits to total assets | 83.5034% | 4,335 |
| Equity capital to assets | 7.2500% | 7,247 |
| Core capital (leverage) ratio | 7.1777% | 7,081 |
| Tier 1 risk-based capital ratio | 10.1058% | 6,967 |
| Total risk-based capital ratio | 11.3734% | 6,925 |
| Memoranda: | ||
| Average total assets | $707,742,000 | 950 |
| Average earning assets | $654,011,670 | 943 |
| Average equity | $49,239,000 | 1,358 |
| Average total loans | $553,850,330 | 831 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3849% | 3,111 |
| Cost of funding earning assets | 1.5138% | 3,467 |
| Net interest margin | 3.8711% | 3,450 |
| Noninterest income to average assets | 1.1798% | 877 |
| Noninterest expense to average assets | 4.0530% | 953 |
| Loan and lease loss provision to assets | 0.3353% | 3,380 |
| Net operating income to assets | 0.2335% | 5,563 |
| Return on assets (ROA) | 0.2353% | 5,672 |
| Pretax return on assets | 0.3744% | 5,362 |
| Return on Equity (ROE) | 3.4521% | 5,139 |
| Retained earnings to average equity (ytd only) | 3.4521% | 4,078 |
| Net charge-offs to loans | 0.1888% | 3,790 |
| Credit loss provision to net charge-offs | 228.1369% | 1,668 |
| Earnings coverage of net charge-offs (x) | 4.8099% | 2,543 |
| Efficiency ratio | 85.1474% | 1,894 |
| Assets per employee ($millions) | 3.8824% | 4,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2860% | 5,007 |
| Loan loss allowance to noncurrent loans | 26.6453% | 6,624 |
| Noncurrent assets plus other real estate owned to assets | 5.1323% | 1,235 |
| Noncurrent loans to loans | 4.8264% | 1,522 |
| Net loans and leases to total assets | 75.9988% | 1,543 |
| Net loans and leases to deposits | 91.7964% | 1,639 |
| Net loans and leases to core deposits | 94.3611% | 2,791 |
| Total domestic deposits to total assets | 82.7906% | 4,723 |
| Equity capital to assets | 6.9623% | 7,389 |
| Core capital (leverage) ratio | 7.1527% | 7,144 |
| Tier 1 risk-based capital ratio | 10.0819% | 6,975 |
| Total risk-based capital ratio | 11.3523% | 6,954 |
| Memoranda: | ||
| Average total assets | $715,721,500 | 962 |
| Average earning assets | $661,929,000 | 953 |
| Average equity | $48,781,500 | 1,376 |
| Average total loans | $557,300,000 | 850 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8665% | 2,385 |
| Cost of funding earning assets | 2.2294% | 1,902 |
| Net interest margin | 3.6371% | 4,397 |
| Noninterest income to average assets | 1.2197% | 1,022 |
| Noninterest expense to average assets | 3.6575% | 2,013 |
| Loan and lease loss provision to assets | 0.3866% | 4,474 |
| Net operating income to assets | 0.5271% | 3,620 |
| Return on assets (ROA) | -1.6015% | 6,910 |
| Pretax return on assets | -1.7416% | 6,834 |
| Return on Equity (ROE) | -26.8026% | 7,335 |
| Retained earnings to average equity (ytd only) | -27.7344% | 7,335 |
| Net charge-offs to loans | 0.3055% | 4,720 |
| Credit loss provision to net charge-offs | 165.6044% | 2,631 |
| Earnings coverage of net charge-offs (x) | 4.1066% | 3,064 |
| Efficiency ratio | 79.2302% | 3,005 |
| Assets per employee ($millions) | 3.9826% | 3,846 |
| Cash dividends to net income (ytd only)* | -3.4764% | 7,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1670% | 5,550 |
| Loan loss allowance to noncurrent loans | 29.1716% | 6,528 |
| Noncurrent assets plus other real estate owned to assets | 4.3012% | 1,521 |
| Noncurrent loans to loans | 4.0006% | 1,855 |
| Net loans and leases to total assets | 77.8014% | 1,426 |
| Net loans and leases to deposits | 93.5251% | 1,658 |
| Net loans and leases to core deposits | 111.4139% | 2,757 |
| Total domestic deposits to total assets | 83.1876% | 4,433 |
| Equity capital to assets | 6.6728% | 7,512 |
| Core capital (leverage) ratio | 6.9111% | 7,306 |
| Tier 1 risk-based capital ratio | 9.6282% | 7,137 |
| Total risk-based capital ratio | 10.8945% | 7,106 |
| Memoranda: | ||
| Average total assets | $779,517,800 | 875 |
| Average earning assets | $727,965,800 | 857 |
| Average equity | $46,577,600 | 1,448 |
| Average total loans | $595,697,200 | 793 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9141% | 2,389 |
| Cost of funding earning assets | 2.3762% | 1,717 |
| Net interest margin | 3.5379% | 4,708 |
| Noninterest income to average assets | 1.1916% | 1,092 |
| Noninterest expense to average assets | 3.5774% | 2,075 |
| Loan and lease loss provision to assets | 0.3974% | 3,931 |
| Net operating income to assets | 0.4783% | 4,076 |
| Return on assets (ROA) | -2.2014% | 7,379 |
| Pretax return on assets | -2.4501% | 7,328 |
| Return on Equity (ROE) | -37.8513% | 7,732 |
| Retained earnings to average equity (ytd only) | -39.1057% | 7,739 |
| Net charge-offs to loans | 0.3830% | 3,731 |
| Credit loss provision to net charge-offs | 136.7264% | 3,622 |
| Earnings coverage of net charge-offs (x) | 3.1816% | 3,648 |
| Efficiency ratio | 79.4609% | 2,928 |
| Assets per employee ($millions) | 4.0211% | 3,687 |
| Cash dividends to net income (ytd only)* | -3.3140% | 7,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0840% | 5,822 |
| Loan loss allowance to noncurrent loans | 42.2525% | 5,504 |
| Noncurrent assets plus other real estate owned to assets | 3.1531% | 2,161 |
| Noncurrent loans to loans | 2.5655% | 2,938 |
| Net loans and leases to total assets | 74.4221% | 2,404 |
| Net loans and leases to deposits | 89.4050% | 2,694 |
| Net loans and leases to core deposits | 109.5811% | 3,282 |
| Total domestic deposits to total assets | 83.2415% | 4,091 |
| Equity capital to assets | 6.3902% | 7,788 |
| Core capital (leverage) ratio | 6.2972% | 7,733 |
| Tier 1 risk-based capital ratio | 9.0448% | 7,606 |
| Total risk-based capital ratio | 10.2634% | 7,631 |
| Memoranda: | ||
| Average total assets | $793,186,750 | 874 |
| Average earning assets | $742,185,500 | 851 |
| Average equity | $46,130,250 | 1,481 |
| Average total loans | $601,972,500 | 797 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9110% | 2,538 |
| Cost of funding earning assets | 2.5073% | 1,587 |
| Net interest margin | 3.4037% | 5,149 |
| Noninterest income to average assets | 1.1934% | 1,101 |
| Noninterest expense to average assets | 3.5119% | 2,303 |
| Loan and lease loss provision to assets | 0.2064% | 4,988 |
| Net operating income to assets | 0.5748% | 3,793 |
| Return on assets (ROA) | -3.3974% | 7,751 |
| Pretax return on assets | -3.8517% | 7,721 |
| Return on Equity (ROE) | -60.2514% | 7,973 |
| Retained earnings to average equity (ytd only) | -61.7259% | 7,978 |
| Net charge-offs to loans | 0.2465% | 3,968 |
| Credit loss provision to net charge-offs | 110.0264% | 4,212 |
| Earnings coverage of net charge-offs (x) | 4.6306% | 3,049 |
| Efficiency ratio | 80.1729% | 3,016 |
| Assets per employee ($millions) | 4.3319% | 3,054 |
| Cash dividends to net income (ytd only)* | -2.4472% | 7,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9242% | 6,671 |
| Loan loss allowance to noncurrent loans | 36.7855% | 5,955 |
| Noncurrent assets plus other real estate owned to assets | 2.7875% | 2,306 |
| Noncurrent loans to loans | 2.5124% | 2,879 |
| Net loans and leases to total assets | 75.7582% | 2,244 |
| Net loans and leases to deposits | 92.5102% | 2,367 |
| Net loans and leases to core deposits | 114.8723% | 2,822 |
| Total domestic deposits to total assets | 81.8917% | 4,732 |
| Equity capital to assets | 5.7390% | 7,968 |
| Core capital (leverage) ratio | 5.9794% | 7,928 |
| Tier 1 risk-based capital ratio | 8.4365% | 7,854 |
| Total risk-based capital ratio | 9.4677% | 7,913 |
| Memoranda: | ||
| Average total assets | $808,272,000 | 872 |
| Average earning assets | $756,829,000 | 844 |
| Average equity | $45,575,670 | 1,512 |
| Average total loans | $615,054,670 | 798 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9552% | 2,542 |
| Cost of funding earning assets | 2.6257% | 1,489 |
| Net interest margin | 3.3295% | 5,400 |
| Noninterest income to average assets | 1.0351% | 1,387 |
| Noninterest expense to average assets | 3.2829% | 2,712 |
| Loan and lease loss provision to assets | 0.0848% | 5,867 |
| Net operating income to assets | 0.7012% | 3,555 |
| Return on assets (ROA) | -6.7228% | 8,106 |
| Pretax return on assets | -7.5624% | 8,098 |
| Return on Equity (ROE) | -120.2499% | 8,164 |
| Retained earnings to average equity (ytd only) | -121.7151% | 8,162 |
| Net charge-offs to loans | 0.2428% | 3,189 |
| Credit loss provision to net charge-offs | 46.0317% | 4,739 |
| Earnings coverage of net charge-offs (x) | 4.6878% | 2,835 |
| Efficiency ratio | 79.1652% | 2,971 |
| Assets per employee ($millions) | 4.4750% | 2,763 |
| Cash dividends to net income (ytd only)* | -1.2185% | 8,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8566% | 6,935 |
| Loan loss allowance to noncurrent loans | 52.4213% | 5,055 |
| Noncurrent assets plus other real estate owned to assets | 2.0991% | 2,752 |
| Noncurrent loans to loans | 1.6341% | 3,825 |
| Net loans and leases to total assets | 76.0144% | 2,262 |
| Net loans and leases to deposits | 92.4333% | 2,525 |
| Net loans and leases to core deposits | 116.7596% | 2,711 |
| Total domestic deposits to total assets | 82.2371% | 4,457 |
| Equity capital to assets | 5.4696% | 8,072 |
| Core capital (leverage) ratio | 5.9616% | 8,013 |
| Tier 1 risk-based capital ratio | 8.4185% | 7,955 |
| Total risk-based capital ratio | 9.3594% | 8,029 |
| Memoranda: | ||
| Average total assets | $820,372,500 | 860 |
| Average earning assets | $766,730,500 | 834 |
| Average equity | $45,864,500 | 1,505 |
| Average total loans | $622,812,500 | 797 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3129% | 3,896 |
| Cost of funding earning assets | 3.3510% | 806 |
| Net interest margin | 2.9619% | 7,005 |
| Noninterest income to average assets | 0.6967% | 3,141 |
| Noninterest expense to average assets | 2.7233% | 5,162 |
| Loan and lease loss provision to assets | 0.2896% | 4,065 |
| Net operating income to assets | 0.3415% | 5,391 |
| Return on assets (ROA) | 0.2134% | 5,626 |
| Pretax return on assets | 0.2872% | 5,535 |
| Return on Equity (ROE) | 3.4221% | 5,076 |
| Retained earnings to average equity (ytd only) | 2.1565% | 3,886 |
| Net charge-offs to loans | 0.3768% | 2,959 |
| Credit loss provision to net charge-offs | 103.8316% | 5,148 |
| Earnings coverage of net charge-offs (x) | 2.6893% | 4,737 |
| Efficiency ratio | 78.4070% | 2,851 |
| Assets per employee ($millions) | 4.6393% | 2,420 |
| Cash dividends to net income (ytd only)* | 36.9840% | 3,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8654% | 6,826 |
| Loan loss allowance to noncurrent loans | 52.9760% | 5,351 |
| Noncurrent assets plus other real estate owned to assets | 2.0383% | 2,413 |
| Noncurrent loans to loans | 1.6336% | 3,321 |
| Net loans and leases to total assets | 74.5492% | 2,976 |
| Net loans and leases to deposits | 93.5320% | 2,850 |
| Net loans and leases to core deposits | 118.7910% | 2,810 |
| Total domestic deposits to total assets | 79.7045% | 5,128 |
| Equity capital to assets | 5.7062% | 8,108 |
| Core capital (leverage) ratio | 6.1625% | 8,031 |
| Tier 1 risk-based capital ratio | 8.1469% | 8,059 |
| Total risk-based capital ratio | 9.0538% | 8,135 |
| Memoranda: | ||
| Average total assets | $851,626,000 | 798 |
| Average earning assets | $798,329,600 | 770 |
| Average equity | $53,095,400 | 1,271 |
| Average total loans | $630,363,800 | 757 |