Home > The Community Bank > Performance and Condition Ratios
The Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8011% | 2,471 |
| Cost of funding earning assets | 1.0972% | 3,076 |
| Net interest margin | 3.7039% | 1,757 |
| Noninterest income to average assets | 0.9400% | 704 |
| Noninterest expense to average assets | 3.0657% | 1,019 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.0140% | 2,170 |
| Return on assets (ROA) | 1.0140% | 2,155 |
| Pretax return on assets | 1.2584% | 1,984 |
| Return on Equity (ROE) | 12.3200% | 1,888 |
| Retained earnings to average equity (ytd only) | 10.9613% | 799 |
| Net charge-offs to loans | 0.0288% | 1,723 |
| Credit loss provision to net charge-offs | 196.7213% | 1,236 |
| Earnings coverage of net charge-offs (x) | 64.8934% | 1,144 |
| Efficiency ratio | 69.1322% | 1,999 |
| Assets per employee ($millions) | 4.5538% | 3,921 |
| Cash dividends to net income (ytd only)* | 11.0411% | 3,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0331% | 3,145 |
| Loan loss allowance to noncurrent loans | 290.1266% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.2551% | 1,936 |
| Noncurrent loans to loans | 0.3561% | 1,917 |
| Net loans and leases to total assets | 70.9100% | 1,713 |
| Net loans and leases to deposits | 82.8998% | 1,876 |
| Net loans and leases to core deposits | 86.5334% | 2,273 |
| Total domestic deposits to total assets | 85.5300% | 2,154 |
| Equity capital to assets | 8.8342% | 2,795 |
| Core capital (leverage) ratio | 9.7591% | 3,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0424% | 1,264 |
| Memoranda: | ||
| Average total assets | $610,067,200 | 1,455 |
| Average earning assets | $563,430,800 | 1,458 |
| Average equity | $50,203,800 | 1,605 |
| Average total loans | $423,189,200 | 1,416 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7133% | 2,442 |
| Cost of funding earning assets | 0.9190% | 3,226 |
| Net interest margin | 3.7943% | 1,610 |
| Noninterest income to average assets | 0.9400% | 706 |
| Noninterest expense to average assets | 3.1135% | 915 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.0390% | 2,252 |
| Return on assets (ROA) | 1.0390% | 2,239 |
| Pretax return on assets | 1.2911% | 2,065 |
| Return on Equity (ROE) | 12.8700% | 1,926 |
| Retained earnings to average equity (ytd only) | 11.9428% | 982 |
| Net charge-offs to loans | 0.0223% | 1,645 |
| Credit loss provision to net charge-offs | 257.1429% | 969 |
| Earnings coverage of net charge-offs (x) | 86.6429% | 993 |
| Efficiency ratio | 68.9441% | 1,912 |
| Assets per employee ($millions) | 4.5508% | 3,911 |
| Cash dividends to net income (ytd only)* | 7.1791% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0371% | 3,169 |
| Loan loss allowance to noncurrent loans | 257.3678% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.2873% | 1,853 |
| Noncurrent loans to loans | 0.4030% | 1,820 |
| Net loans and leases to total assets | 70.5500% | 1,764 |
| Net loans and leases to deposits | 81.6840% | 1,929 |
| Net loans and leases to core deposits | 84.4984% | 2,293 |
| Total domestic deposits to total assets | 86.3700% | 2,077 |
| Equity capital to assets | 8.1612% | 2,954 |
| Core capital (leverage) ratio | 9.6651% | 3,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6666% | 1,388 |
| Memoranda: | ||
| Average total assets | $607,756,000 | 1,465 |
| Average earning assets | $560,869,000 | 1,463 |
| Average equity | $49,077,000 | 1,623 |
| Average total loans | $418,056,500 | 1,421 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6264% | 2,359 |
| Cost of funding earning assets | 0.7873% | 3,245 |
| Net interest margin | 3.8391% | 1,546 |
| Noninterest income to average assets | 0.9500% | 618 |
| Noninterest expense to average assets | 3.0860% | 923 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.1028% | 2,119 |
| Return on assets (ROA) | 1.1028% | 2,109 |
| Pretax return on assets | 1.3717% | 1,884 |
| Return on Equity (ROE) | 13.7000% | 1,747 |
| Retained earnings to average equity (ytd only) | 12.3006% | 929 |
| Net charge-offs to loans | 0.0190% | 1,517 |
| Credit loss provision to net charge-offs | 307.6923% | 851 |
| Earnings coverage of net charge-offs (x) | 109.2564% | 888 |
| Efficiency ratio | 67.5112% | 2,044 |
| Assets per employee ($millions) | 4.4999% | 3,952 |
| Cash dividends to net income (ytd only)* | 10.2133% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1670% | 2,611 |
| Loan loss allowance to noncurrent loans | 300.1207% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.2728% | 1,840 |
| Noncurrent loans to loans | 0.3888% | 1,760 |
| Net loans and leases to total assets | 69.3300% | 1,817 |
| Net loans and leases to deposits | 78.6392% | 2,075 |
| Net loans and leases to core deposits | 81.0984% | 2,403 |
| Total domestic deposits to total assets | 88.1600% | 1,547 |
| Equity capital to assets | 8.2486% | 3,059 |
| Core capital (leverage) ratio | 9.5058% | 3,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8486% | 1,347 |
| Memoranda: | ||
| Average total assets | $603,755,333 | 1,466 |
| Average earning assets | $557,581,000 | 1,468 |
| Average equity | $48,599,333 | 1,632 |
| Average total loans | $410,332,333 | 1,432 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5101% | 2,296 |
| Cost of funding earning assets | 0.6790% | 3,124 |
| Net interest margin | 3.8311% | 1,620 |
| Noninterest income to average assets | 0.9500% | 617 |
| Noninterest expense to average assets | 3.1720% | 836 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.0175% | 2,476 |
| Return on assets (ROA) | 1.0175% | 2,444 |
| Pretax return on assets | 1.2647% | 2,269 |
| Return on Equity (ROE) | 12.8000% | 2,020 |
| Retained earnings to average equity (ytd only) | 12.7998% | 1,122 |
| Net charge-offs to loans | 0.0139% | 1,434 |
| Credit loss provision to net charge-offs | 428.5714% | 596 |
| Earnings coverage of net charge-offs (x) | 140.2143% | 632 |
| Efficiency ratio | 69.7743% | 1,768 |
| Assets per employee ($millions) | 4.3775% | 4,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2062% | 2,520 |
| Loan loss allowance to noncurrent loans | 321.9035% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.2539% | 1,856 |
| Noncurrent loans to loans | 0.3747% | 1,808 |
| Net loans and leases to total assets | 66.9500% | 1,950 |
| Net loans and leases to deposits | 73.4230% | 2,341 |
| Net loans and leases to core deposits | 75.5753% | 2,563 |
| Total domestic deposits to total assets | 91.1900% | 741 |
| Equity capital to assets | 8.1658% | 3,129 |
| Core capital (leverage) ratio | 9.3501% | 3,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7456% | 1,428 |
| Memoranda: | ||
| Average total assets | $601,889,500 | 1,496 |
| Average earning assets | $554,312,000 | 1,508 |
| Average equity | $47,844,500 | 1,666 |
| Average total loans | $402,431,500 | 1,468 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7886% | 2,312 |
| Cost of funding earning assets | 0.3840% | 2,229 |
| Net interest margin | 3.4046% | 2,243 |
| Noninterest income to average assets | 0.9900% | 658 |
| Noninterest expense to average assets | 2.9658% | 1,012 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 0.9618% | 2,716 |
| Return on assets (ROA) | 0.9618% | 2,662 |
| Pretax return on assets | 1.1960% | 2,449 |
| Return on Equity (ROE) | 12.3500% | 2,019 |
| Retained earnings to average equity (ytd only) | 10.5512% | 993 |
| Net charge-offs to loans | 0.0611% | 1,037 |
| Credit loss provision to net charge-offs | -36.5297% | 4,558 |
| Earnings coverage of net charge-offs (x) | 32.5068% | 1,645 |
| Efficiency ratio | 70.9892% | 1,562 |
| Assets per employee ($millions) | 4.3143% | 4,134 |
| Cash dividends to net income (ytd only)* | 14.5448% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 2,211 |
| Loan loss allowance to noncurrent loans | 252.0350% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.3237% | 1,563 |
| Noncurrent loans to loans | 0.4908% | 1,470 |
| Net loans and leases to total assets | 65.1300% | 2,126 |
| Net loans and leases to deposits | 73.6869% | 2,279 |
| Net loans and leases to core deposits | 75.3497% | 2,472 |
| Total domestic deposits to total assets | 88.3900% | 1,935 |
| Equity capital to assets | 7.7307% | 3,233 |
| Core capital (leverage) ratio | 9.0634% | 3,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4549% | 1,489 |
| Memoranda: | ||
| Average total assets | $601,899,800 | 1,476 |
| Average earning assets | $558,098,200 | 1,480 |
| Average equity | $46,885,600 | 1,707 |
| Average total loans | $358,604,400 | 1,520 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6069% | 2,323 |
| Cost of funding earning assets | 0.3646% | 1,571 |
| Net interest margin | 3.2423% | 2,485 |
| Noninterest income to average assets | 1.0000% | 662 |
| Noninterest expense to average assets | 2.9465% | 979 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.8478% | 3,078 |
| Return on assets (ROA) | 0.8478% | 3,050 |
| Pretax return on assets | 1.0530% | 2,867 |
| Return on Equity (ROE) | 10.8600% | 2,439 |
| Retained earnings to average equity (ytd only) | 9.4375% | 1,505 |
| Net charge-offs to loans | 0.0469% | 1,016 |
| Credit loss provision to net charge-offs | 73.1707% | 1,445 |
| Earnings coverage of net charge-offs (x) | 39.4146% | 1,395 |
| Efficiency ratio | 72.7893% | 1,410 |
| Assets per employee ($millions) | 4.6615% | 3,934 |
| Cash dividends to net income (ytd only)* | 13.1297% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3785% | 1,679 |
| Loan loss allowance to noncurrent loans | 243.4167% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.3934% | 1,379 |
| Noncurrent loans to loans | 0.5663% | 1,417 |
| Net loans and leases to total assets | 59.5200% | 2,559 |
| Net loans and leases to deposits | 64.4144% | 2,832 |
| Net loans and leases to core deposits | 65.7481% | 2,966 |
| Total domestic deposits to total assets | 92.4100% | 743 |
| Equity capital to assets | 7.0542% | 3,482 |
| Core capital (leverage) ratio | 8.5411% | 4,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5797% | 1,539 |
| Memoranda: | ||
| Average total assets | $602,452,250 | 1,484 |
| Average earning assets | $560,207,750 | 1,483 |
| Average equity | $47,017,000 | 1,719 |
| Average total loans | $349,390,000 | 1,539 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4385% | 2,332 |
| Cost of funding earning assets | 0.3645% | 1,157 |
| Net interest margin | 3.0740% | 2,634 |
| Noninterest income to average assets | 1.0030% | 658 |
| Noninterest expense to average assets | 2.8706% | 1,035 |
| Loan and lease loss provision to assets | 0.0201% | 2,240 |
| Net operating income to assets | 0.7844% | 3,013 |
| Return on assets (ROA) | 0.7844% | 2,981 |
| Pretax return on assets | 0.9758% | 2,812 |
| Return on Equity (ROE) | 9.7275% | 2,434 |
| Retained earnings to average equity (ytd only) | 8.0106% | 1,611 |
| Net charge-offs to loans | 0.0762% | 707 |
| Credit loss provision to net charge-offs | 46.1538% | 1,512 |
| Earnings coverage of net charge-offs (x) | 22.8538% | 1,500 |
| Efficiency ratio | 73.6952% | 1,547 |
| Assets per employee ($millions) | 4.4538% | 4,108 |
| Cash dividends to net income (ytd only)* | 17.6496% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4551% | 1,541 |
| Loan loss allowance to noncurrent loans | 193.9038% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.4360% | 1,303 |
| Noncurrent loans to loans | 0.7504% | 1,146 |
| Net loans and leases to total assets | 57.2550% | 2,608 |
| Net loans and leases to deposits | 62.2769% | 2,867 |
| Net loans and leases to core deposits | 63.7167% | 2,993 |
| Total domestic deposits to total assets | 91.9362% | 856 |
| Equity capital to assets | 7.6253% | 3,393 |
| Core capital (leverage) ratio | 8.5754% | 3,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8532% | 1,470 |
| Memoranda: | ||
| Average total assets | $596,608,333 | 1,501 |
| Average earning assets | $555,763,000 | 1,504 |
| Average equity | $48,111,000 | 1,731 |
| Average total loans | $341,124,000 | 1,557 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2129% | 2,648 |
| Cost of funding earning assets | 0.3690% | 1,064 |
| Net interest margin | 2.8438% | 3,003 |
| Noninterest income to average assets | 0.9952% | 684 |
| Noninterest expense to average assets | 2.8004% | 1,153 |
| Loan and lease loss provision to assets | 0.0203% | 1,988 |
| Net operating income to assets | 0.6709% | 3,156 |
| Return on assets (ROA) | 0.6709% | 3,141 |
| Pretax return on assets | 0.8297% | 3,014 |
| Return on Equity (ROE) | 8.0941% | 2,655 |
| Retained earnings to average equity (ytd only) | 7.3605% | 1,782 |
| Net charge-offs to loans | 0.0262% | 1,058 |
| Credit loss provision to net charge-offs | 136.3636% | 886 |
| Earnings coverage of net charge-offs (x) | 57.1818% | 870 |
| Efficiency ratio | 76.1429% | 1,508 |
| Assets per employee ($millions) | 4.2997% | 4,250 |
| Cash dividends to net income (ytd only)* | 9.0634% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5477% | 1,407 |
| Loan loss allowance to noncurrent loans | 155.2404% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.5604% | 1,073 |
| Noncurrent loans to loans | 0.9970% | 909 |
| Net loans and leases to total assets | 55.3344% | 2,597 |
| Net loans and leases to deposits | 60.4186% | 2,866 |
| Net loans and leases to core deposits | 61.8795% | 2,979 |
| Total domestic deposits to total assets | 91.5851% | 759 |
| Equity capital to assets | 7.9127% | 3,635 |
| Core capital (leverage) ratio | 8.4575% | 3,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8386% | 1,301 |
| Memoranda: | ||
| Average total assets | $592,053,500 | 1,520 |
| Average earning assets | $552,772,500 | 1,524 |
| Average equity | $49,072,500 | 1,762 |
| Average total loans | $335,723,500 | 1,572 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4959% | 2,674 |
| Cost of funding earning assets | 0.4317% | 1,315 |
| Net interest margin | 3.0643% | 3,010 |
| Noninterest income to average assets | 1.2085% | 725 |
| Noninterest expense to average assets | 3.0670% | 893 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8068% | 3,314 |
| Return on assets (ROA) | 0.8071% | 3,387 |
| Pretax return on assets | 0.9928% | 3,280 |
| Return on Equity (ROE) | 8.9373% | 2,937 |
| Retained earnings to average equity (ytd only) | 1.4510% | 4,133 |
| Net charge-offs to loans | -0.0299% | 4,122 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0076% | 1,209 |
| Assets per employee ($millions) | 4.2807% | 4,280 |
| Cash dividends to net income (ytd only)* | 83.7642% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5471% | 1,400 |
| Loan loss allowance to noncurrent loans | 152.0504% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.5821% | 1,134 |
| Noncurrent loans to loans | 1.0175% | 968 |
| Net loans and leases to total assets | 56.3300% | 2,563 |
| Net loans and leases to deposits | 62.1731% | 2,863 |
| Net loans and leases to core deposits | 63.6842% | 3,011 |
| Total domestic deposits to total assets | 90.6018% | 668 |
| Equity capital to assets | 8.6715% | 3,916 |
| Core capital (leverage) ratio | 8.3053% | 4,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8063% | 1,312 |
| Memoranda: | ||
| Average total assets | $565,479,400 | 1,527 |
| Average earning assets | $526,097,400 | 1,532 |
| Average equity | $51,067,000 | 1,731 |
| Average total loans | $334,422,800 | 1,574 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5479% | 2,699 |
| Cost of funding earning assets | 0.4445% | 1,390 |
| Net interest margin | 3.1034% | 3,046 |
| Noninterest income to average assets | 1.2511% | 739 |
| Noninterest expense to average assets | 3.0394% | 904 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8864% | 3,286 |
| Return on assets (ROA) | 0.8867% | 3,359 |
| Pretax return on assets | 1.0950% | 3,207 |
| Return on Equity (ROE) | 9.7180% | 2,839 |
| Retained earnings to average equity (ytd only) | 1.5727% | 4,298 |
| Net charge-offs to loans | -0.0383% | 4,239 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9822% | 1,309 |
| Assets per employee ($millions) | 4.3073% | 4,258 |
| Cash dividends to net income (ytd only)* | 83.8164% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5846% | 1,375 |
| Loan loss allowance to noncurrent loans | 138.3569% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.6403% | 1,187 |
| Noncurrent loans to loans | 1.1453% | 983 |
| Net loans and leases to total assets | 54.9942% | 2,851 |
| Net loans and leases to deposits | 60.7293% | 3,166 |
| Net loans and leases to core deposits | 62.1651% | 3,300 |
| Total domestic deposits to total assets | 90.5563% | 530 |
| Equity capital to assets | 8.7269% | 4,050 |
| Core capital (leverage) ratio | 8.4936% | 4,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $560,236,750 | 1,553 |
| Average earning assets | $520,410,000 | 1,552 |
| Average equity | $51,120,250 | 1,748 |
| Average total loans | $334,144,000 | 1,606 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6453% | 2,484 |
| Cost of funding earning assets | 0.4615% | 1,437 |
| Net interest margin | 3.1838% | 2,800 |
| Noninterest income to average assets | 1.2869% | 703 |
| Noninterest expense to average assets | 3.1052% | 835 |
| Loan and lease loss provision to assets | 0.0290% | 2,398 |
| Net operating income to assets | 0.8937% | 3,241 |
| Return on assets (ROA) | 0.8943% | 3,317 |
| Pretax return on assets | 1.1016% | 3,211 |
| Return on Equity (ROE) | 9.6518% | 2,885 |
| Retained earnings to average equity (ytd only) | -2.5665% | 4,697 |
| Net charge-offs to loans | -0.0351% | 4,218 |
| Credit loss provision to net charge-offs | -135.5932% | 3,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7810% | 1,355 |
| Assets per employee ($millions) | 4.1875% | 4,338 |
| Cash dividends to net income (ytd only)* | 126.5910% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5973% | 1,278 |
| Loan loss allowance to noncurrent loans | 128.3121% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.7210% | 1,140 |
| Noncurrent loans to loans | 1.2448% | 960 |
| Net loans and leases to total assets | 56.9959% | 2,784 |
| Net loans and leases to deposits | 63.1365% | 3,089 |
| Net loans and leases to core deposits | 64.7001% | 3,218 |
| Total domestic deposits to total assets | 90.2740% | 657 |
| Equity capital to assets | 8.8762% | 3,915 |
| Core capital (leverage) ratio | 8.3842% | 4,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $551,720,000 | 1,568 |
| Average earning assets | $510,906,333 | 1,573 |
| Average equity | $51,120,000 | 1,739 |
| Average total loans | $336,413,333 | 1,608 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6727% | 2,428 |
| Cost of funding earning assets | 0.4732% | 1,572 |
| Net interest margin | 3.1995% | 2,698 |
| Noninterest income to average assets | 1.2736% | 776 |
| Noninterest expense to average assets | 3.0030% | 986 |
| Loan and lease loss provision to assets | 0.0587% | 1,952 |
| Net operating income to assets | 0.9535% | 2,960 |
| Return on assets (ROA) | 0.9535% | 3,052 |
| Pretax return on assets | 1.1752% | 2,913 |
| Return on Equity (ROE) | 10.0715% | 2,670 |
| Retained earnings to average equity (ytd only) | 9.4900% | 1,803 |
| Net charge-offs to loans | -0.0681% | 4,508 |
| Credit loss provision to net charge-offs | -137.9310% | 2,883 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3396% | 1,660 |
| Assets per employee ($millions) | 4.2642% | 4,299 |
| Cash dividends to net income (ytd only)* | 5.7737% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5509% | 1,416 |
| Loan loss allowance to noncurrent loans | 114.8474% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.8338% | 1,067 |
| Noncurrent loans to loans | 1.3504% | 951 |
| Net loans and leases to total assets | 58.9689% | 2,674 |
| Net loans and leases to deposits | 65.6148% | 2,960 |
| Net loans and leases to core deposits | 67.1880% | 3,139 |
| Total domestic deposits to total assets | 89.8713% | 882 |
| Equity capital to assets | 9.2132% | 3,485 |
| Core capital (leverage) ratio | 9.1715% | 3,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $544,924,500 | 1,571 |
| Average earning assets | $504,702,500 | 1,579 |
| Average equity | $51,591,000 | 1,718 |
| Average total loans | $340,903,000 | 1,594 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3335% | 1,765 |
| Cost of funding earning assets | 0.6241% | 2,157 |
| Net interest margin | 3.7094% | 1,768 |
| Noninterest income to average assets | 1.3728% | 619 |
| Noninterest expense to average assets | 3.3530% | 843 |
| Loan and lease loss provision to assets | 0.0987% | 3,100 |
| Net operating income to assets | 1.0763% | 2,000 |
| Return on assets (ROA) | 1.0763% | 2,143 |
| Pretax return on assets | 1.3258% | 1,900 |
| Return on Equity (ROE) | 10.1091% | 1,962 |
| Retained earnings to average equity (ytd only) | -0.9025% | 4,629 |
| Net charge-offs to loans | 0.2792% | 612 |
| Credit loss provision to net charge-offs | 50.1022% | 3,147 |
| Earnings coverage of net charge-offs (x) | 7.2311% | 2,712 |
| Efficiency ratio | 69.4241% | 2,030 |
| Assets per employee ($millions) | 4.0839% | 4,311 |
| Cash dividends to net income (ytd only)* | 108.9276% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5218% | 1,508 |
| Loan loss allowance to noncurrent loans | 100.8460% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 1.0150% | 931 |
| Noncurrent loans to loans | 1.5090% | 880 |
| Net loans and leases to total assets | 64.4264% | 2,308 |
| Net loans and leases to deposits | 72.1321% | 2,674 |
| Net loans and leases to core deposits | 73.9516% | 2,919 |
| Total domestic deposits to total assets | 89.3172% | 849 |
| Equity capital to assets | 9.7420% | 3,375 |
| Core capital (leverage) ratio | 9.0585% | 3,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8887% | 1,076 |
| Memoranda: | ||
| Average total assets | $496,444,800 | 1,559 |
| Average earning assets | $455,685,600 | 1,580 |
| Average equity | $52,853,200 | 1,605 |
| Average total loans | $350,235,400 | 1,508 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4372% | 1,749 |
| Cost of funding earning assets | 0.6529% | 2,313 |
| Net interest margin | 3.7842% | 1,667 |
| Noninterest income to average assets | 1.3165% | 627 |
| Noninterest expense to average assets | 3.3386% | 856 |
| Loan and lease loss provision to assets | 0.1008% | 3,060 |
| Net operating income to assets | 1.0921% | 2,008 |
| Return on assets (ROA) | 1.0921% | 2,139 |
| Pretax return on assets | 1.3452% | 1,891 |
| Return on Equity (ROE) | 10.0281% | 2,011 |
| Retained earnings to average equity (ytd only) | 7.8993% | 1,338 |
| Net charge-offs to loans | 0.3003% | 521 |
| Credit loss provision to net charge-offs | 46.7172% | 2,902 |
| Earnings coverage of net charge-offs (x) | 6.6944% | 2,634 |
| Efficiency ratio | 69.2413% | 1,998 |
| Assets per employee ($millions) | 4.0027% | 4,309 |
| Cash dividends to net income (ytd only)* | 21.2288% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4892% | 1,417 |
| Loan loss allowance to noncurrent loans | 97.1648% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 1.0819% | 981 |
| Noncurrent loans to loans | 1.5326% | 923 |
| Net loans and leases to total assets | 65.5144% | 2,577 |
| Net loans and leases to deposits | 73.8129% | 2,977 |
| Net loans and leases to core deposits | 75.8256% | 3,180 |
| Total domestic deposits to total assets | 88.7574% | 873 |
| Equity capital to assets | 10.2341% | 3,028 |
| Core capital (leverage) ratio | 10.0126% | 2,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $488,851,000 | 1,564 |
| Average earning assets | $448,022,250 | 1,579 |
| Average equity | $53,235,750 | 1,586 |
| Average total loans | $351,630,250 | 1,496 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6709% | 1,474 |
| Cost of funding earning assets | 0.6942% | 2,423 |
| Net interest margin | 3.9766% | 1,384 |
| Noninterest income to average assets | 1.1201% | 792 |
| Noninterest expense to average assets | 3.4718% | 772 |
| Loan and lease loss provision to assets | 0.0381% | 3,799 |
| Net operating income to assets | 1.0059% | 2,298 |
| Return on assets (ROA) | 1.0059% | 2,426 |
| Pretax return on assets | 1.2359% | 2,234 |
| Return on Equity (ROE) | 9.0313% | 2,353 |
| Retained earnings to average equity (ytd only) | 7.5128% | 1,459 |
| Net charge-offs to loans | 0.4115% | 384 |
| Credit loss provision to net charge-offs | 12.5000% | 2,747 |
| Earnings coverage of net charge-offs (x) | 4.1847% | 2,619 |
| Efficiency ratio | 72.5944% | 1,611 |
| Assets per employee ($millions) | 3.7622% | 4,503 |
| Cash dividends to net income (ytd only)* | 16.8138% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4128% | 1,545 |
| Loan loss allowance to noncurrent loans | 87.8898% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 1.1830% | 925 |
| Noncurrent loans to loans | 1.6075% | 916 |
| Net loans and leases to total assets | 69.5830% | 2,095 |
| Net loans and leases to deposits | 78.7716% | 2,572 |
| Net loans and leases to core deposits | 81.1127% | 2,860 |
| Total domestic deposits to total assets | 88.3352% | 1,023 |
| Equity capital to assets | 10.5287% | 2,727 |
| Core capital (leverage) ratio | 10.3946% | 2,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $473,013,667 | 1,576 |
| Average earning assets | $431,268,000 | 1,607 |
| Average equity | $52,683,667 | 1,588 |
| Average total loans | $349,938,000 | 1,491 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9747% | 1,014 |
| Cost of funding earning assets | 0.7558% | 2,632 |
| Net interest margin | 4.2189% | 885 |
| Noninterest income to average assets | 1.0465% | 776 |
| Noninterest expense to average assets | 3.5875% | 821 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0536% | 1,990 |
| Return on assets (ROA) | 1.0536% | 2,090 |
| Pretax return on assets | 1.2881% | 1,902 |
| Return on Equity (ROE) | 9.1764% | 2,038 |
| Retained earnings to average equity (ytd only) | 7.6406% | 1,332 |
| Net charge-offs to loans | 0.4983% | 291 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 3.4056% | 2,217 |
| Efficiency ratio | 73.0199% | 1,934 |
| Assets per employee ($millions) | 3.3185% | 4,625 |
| Cash dividends to net income (ytd only)* | 16.7364% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4973% | 1,354 |
| Loan loss allowance to noncurrent loans | 83.3199% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 1.3663% | 837 |
| Noncurrent loans to loans | 1.7971% | 840 |
| Net loans and leases to total assets | 73.9799% | 1,608 |
| Net loans and leases to deposits | 84.6937% | 2,140 |
| Net loans and leases to core deposits | 87.6266% | 2,552 |
| Total domestic deposits to total assets | 87.3499% | 1,404 |
| Equity capital to assets | 11.5332% | 2,410 |
| Core capital (leverage) ratio | 10.9795% | 2,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $453,691,500 | 1,596 |
| Average earning assets | $411,767,500 | 1,631 |
| Average equity | $52,090,000 | 1,598 |
| Average total loans | $344,342,500 | 1,471 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0951% | 1,223 |
| Cost of funding earning assets | 0.8649% | 2,359 |
| Net interest margin | 4.2302% | 1,259 |
| Noninterest income to average assets | 1.0321% | 904 |
| Noninterest expense to average assets | 3.4265% | 1,070 |
| Loan and lease loss provision to assets | 0.0309% | 3,395 |
| Net operating income to assets | 1.1492% | 2,259 |
| Return on assets (ROA) | 1.1492% | 2,359 |
| Pretax return on assets | 1.4135% | 2,106 |
| Return on Equity (ROE) | 11.4352% | 1,721 |
| Retained earnings to average equity (ytd only) | 9.2960% | 639 |
| Net charge-offs to loans | 0.0330% | 2,729 |
| Credit loss provision to net charge-offs | 123.8938% | 2,054 |
| Earnings coverage of net charge-offs (x) | 57.9735% | 1,002 |
| Efficiency ratio | 69.7809% | 2,203 |
| Assets per employee ($millions) | 3.2102% | 4,695 |
| Cash dividends to net income (ytd only)* | 18.7068% | 3,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6183% | 940 |
| Loan loss allowance to noncurrent loans | 83.4056% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 1.4883% | 682 |
| Noncurrent loans to loans | 1.9403% | 671 |
| Net loans and leases to total assets | 75.4651% | 1,511 |
| Net loans and leases to deposits | 86.1599% | 2,072 |
| Net loans and leases to core deposits | 89.2205% | 2,493 |
| Total domestic deposits to total assets | 87.5873% | 1,325 |
| Equity capital to assets | 11.4286% | 2,591 |
| Core capital (leverage) ratio | 10.7214% | 2,745 |
| Tier 1 risk-based capital ratio | 16.2520% | 2,312 |
| Total risk-based capital ratio | 17.5092% | 2,255 |
| Memoranda: | ||
| Average total assets | $453,550,800 | 1,542 |
| Average earning assets | $411,588,000 | 1,581 |
| Average equity | $45,578,600 | 1,740 |
| Average total loans | $342,830,200 | 1,449 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0906% | 1,305 |
| Cost of funding earning assets | 0.8882% | 2,282 |
| Net interest margin | 4.2024% | 1,377 |
| Noninterest income to average assets | 1.0019% | 933 |
| Noninterest expense to average assets | 3.3214% | 1,224 |
| Loan and lease loss provision to assets | 0.0411% | 3,084 |
| Net operating income to assets | 1.1835% | 2,254 |
| Return on assets (ROA) | 1.1835% | 2,336 |
| Pretax return on assets | 1.4571% | 2,089 |
| Return on Equity (ROE) | 12.1903% | 1,551 |
| Retained earnings to average equity (ytd only) | 10.6797% | 589 |
| Net charge-offs to loans | 0.0284% | 2,529 |
| Credit loss provision to net charge-offs | 191.7808% | 1,366 |
| Earnings coverage of net charge-offs (x) | 69.9733% | 949 |
| Efficiency ratio | 68.3423% | 2,363 |
| Assets per employee ($millions) | 3.4163% | 4,586 |
| Cash dividends to net income (ytd only)* | 12.3916% | 3,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6359% | 933 |
| Loan loss allowance to noncurrent loans | 80.0655% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 1.5516% | 695 |
| Noncurrent loans to loans | 2.0432% | 659 |
| Net loans and leases to total assets | 74.3581% | 1,738 |
| Net loans and leases to deposits | 83.7123% | 2,488 |
| Net loans and leases to core deposits | 86.6455% | 2,853 |
| Total domestic deposits to total assets | 88.8257% | 681 |
| Equity capital to assets | 10.2057% | 3,817 |
| Core capital (leverage) ratio | 9.5606% | 4,104 |
| Tier 1 risk-based capital ratio | 14.5641% | 3,041 |
| Total risk-based capital ratio | 15.8217% | 2,967 |
| Memoranda: | ||
| Average total assets | $454,582,000 | 1,551 |
| Average earning assets | $412,958,750 | 1,581 |
| Average equity | $44,132,500 | 1,794 |
| Average total loans | $342,353,000 | 1,464 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0597% | 1,320 |
| Cost of funding earning assets | 0.8887% | 2,206 |
| Net interest margin | 4.1710% | 1,430 |
| Noninterest income to average assets | 0.9621% | 945 |
| Noninterest expense to average assets | 3.3489% | 1,197 |
| Loan and lease loss provision to assets | 0.0616% | 2,591 |
| Net operating income to assets | 1.0962% | 2,534 |
| Return on assets (ROA) | 1.0962% | 2,604 |
| Pretax return on assets | 1.3483% | 2,386 |
| Return on Equity (ROE) | 11.4876% | 1,792 |
| Retained earnings to average equity (ytd only) | 11.4876% | 487 |
| Net charge-offs to loans | -0.0304% | 4,688 |
| Credit loss provision to net charge-offs | -269.2308% | 4,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7911% | 2,258 |
| Assets per employee ($millions) | 3.4766% | 4,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6747% | 866 |
| Loan loss allowance to noncurrent loans | 82.8860% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 1.4987% | 752 |
| Noncurrent loans to loans | 2.0205% | 702 |
| Net loans and leases to total assets | 72.9345% | 2,072 |
| Net loans and leases to deposits | 84.6306% | 2,414 |
| Net loans and leases to core deposits | 87.7939% | 2,818 |
| Total domestic deposits to total assets | 86.1798% | 1,941 |
| Equity capital to assets | 9.6808% | 4,247 |
| Core capital (leverage) ratio | 9.1826% | 4,483 |
| Tier 1 risk-based capital ratio | 14.0673% | 3,283 |
| Total risk-based capital ratio | 15.3251% | 3,202 |
| Memoranda: | ||
| Average total assets | $454,651,670 | 1,552 |
| Average earning assets | $413,858,330 | 1,577 |
| Average equity | $43,386,000 | 1,814 |
| Average total loans | $341,976,670 | 1,467 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0547% | 1,206 |
| Cost of funding earning assets | 0.8594% | 2,213 |
| Net interest margin | 4.1953% | 1,312 |
| Noninterest income to average assets | 0.9291% | 974 |
| Noninterest expense to average assets | 3.2317% | 1,425 |
| Loan and lease loss provision to assets | 0.1242% | 1,410 |
| Net operating income to assets | 1.1189% | 2,395 |
| Return on assets (ROA) | 1.1189% | 2,444 |
| Pretax return on assets | 1.3896% | 2,122 |
| Return on Equity (ROE) | 11.8133% | 1,607 |
| Retained earnings to average equity (ytd only) | 11.8133% | 645 |
| Net charge-offs to loans | -0.1324% | 5,095 |
| Credit loss provision to net charge-offs | -123.8938% | 3,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5206% | 2,709 |
| Assets per employee ($millions) | 3.6009% | 4,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6966% | 866 |
| Loan loss allowance to noncurrent loans | 115.2243% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 1.1279% | 1,211 |
| Noncurrent loans to loans | 1.4724% | 1,098 |
| Net loans and leases to total assets | 72.4101% | 2,091 |
| Net loans and leases to deposits | 83.7468% | 2,415 |
| Net loans and leases to core deposits | 86.7010% | 2,804 |
| Total domestic deposits to total assets | 86.4632% | 2,091 |
| Equity capital to assets | 9.3851% | 4,355 |
| Core capital (leverage) ratio | 9.2950% | 4,369 |
| Tier 1 risk-based capital ratio | 13.6392% | 3,528 |
| Total risk-based capital ratio | 14.8970% | 3,434 |
| Memoranda: | ||
| Average total assets | $450,783,000 | 1,573 |
| Average earning assets | $410,074,000 | 1,598 |
| Average equity | $42,697,500 | 1,830 |
| Average total loans | $341,472,500 | 1,475 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0087% | 1,031 |
| Cost of funding earning assets | 0.6178% | 2,601 |
| Net interest margin | 4.3909% | 955 |
| Noninterest income to average assets | 0.9604% | 1,038 |
| Noninterest expense to average assets | 3.3958% | 1,161 |
| Loan and lease loss provision to assets | 0.3050% | 530 |
| Net operating income to assets | 1.0428% | 2,832 |
| Return on assets (ROA) | 1.0428% | 2,818 |
| Pretax return on assets | 1.2746% | 2,597 |
| Return on Equity (ROE) | 11.3776% | 1,944 |
| Retained earnings to average equity (ytd only) | 9.3708% | 761 |
| Net charge-offs to loans | 0.1136% | 1,612 |
| Credit loss provision to net charge-offs | 347.7690% | 910 |
| Earnings coverage of net charge-offs (x) | 18.0105% | 2,163 |
| Efficiency ratio | 67.6737% | 2,603 |
| Assets per employee ($millions) | 3.2861% | 4,751 |
| Cash dividends to net income (ytd only)* | 17.6380% | 3,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6292% | 968 |
| Loan loss allowance to noncurrent loans | 126.2679% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 1.0630% | 1,281 |
| Noncurrent loans to loans | 1.2902% | 1,227 |
| Net loans and leases to total assets | 76.7032% | 1,487 |
| Net loans and leases to deposits | 88.7079% | 1,964 |
| Net loans and leases to core deposits | 93.1185% | 2,306 |
| Total domestic deposits to total assets | 86.4671% | 2,030 |
| Equity capital to assets | 9.5640% | 4,074 |
| Core capital (leverage) ratio | 9.3321% | 4,323 |
| Tier 1 risk-based capital ratio | 12.3907% | 4,190 |
| Total risk-based capital ratio | 13.6460% | 4,070 |
| Memoranda: | ||
| Average total assets | $434,420,800 | 1,580 |
| Average earning assets | $397,231,400 | 1,600 |
| Average equity | $39,815,200 | 1,874 |
| Average total loans | $335,373,800 | 1,462 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9494% | 1,046 |
| Cost of funding earning assets | 0.5606% | 2,784 |
| Net interest margin | 4.3888% | 924 |
| Noninterest income to average assets | 0.9304% | 1,109 |
| Noninterest expense to average assets | 3.3477% | 1,204 |
| Loan and lease loss provision to assets | 0.3458% | 394 |
| Net operating income to assets | 1.0297% | 2,966 |
| Return on assets (ROA) | 1.0297% | 2,977 |
| Pretax return on assets | 1.2578% | 2,782 |
| Return on Equity (ROE) | 11.3598% | 2,034 |
| Retained earnings to average equity (ytd only) | 10.2238% | 848 |
| Net charge-offs to loans | 0.1477% | 1,118 |
| Credit loss provision to net charge-offs | 304.0541% | 1,013 |
| Earnings coverage of net charge-offs (x) | 14.1000% | 2,308 |
| Efficiency ratio | 67.0288% | 2,707 |
| Assets per employee ($millions) | 3.4728% | 4,599 |
| Cash dividends to net income (ytd only)* | 10.0001% | 3,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5696% | 1,153 |
| Loan loss allowance to noncurrent loans | 104.6226% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 1.2387% | 1,124 |
| Noncurrent loans to loans | 1.5003% | 1,089 |
| Net loans and leases to total assets | 77.4888% | 1,417 |
| Net loans and leases to deposits | 87.6914% | 2,193 |
| Net loans and leases to core deposits | 90.8496% | 2,579 |
| Total domestic deposits to total assets | 88.3654% | 1,094 |
| Equity capital to assets | 9.3501% | 4,227 |
| Core capital (leverage) ratio | 9.2499% | 4,457 |
| Tier 1 risk-based capital ratio | 12.5676% | 4,174 |
| Total risk-based capital ratio | 13.8227% | 4,055 |
| Memoranda: | ||
| Average total assets | $433,762,250 | 1,592 |
| Average earning assets | $397,396,750 | 1,605 |
| Average equity | $39,319,000 | 1,891 |
| Average total loans | $334,020,500 | 1,466 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8897% | 1,046 |
| Cost of funding earning assets | 0.5297% | 2,763 |
| Net interest margin | 4.3600% | 928 |
| Noninterest income to average assets | 0.8869% | 1,219 |
| Noninterest expense to average assets | 3.3755% | 1,166 |
| Loan and lease loss provision to assets | 0.3459% | 383 |
| Net operating income to assets | 0.9524% | 3,224 |
| Return on assets (ROA) | 0.9524% | 3,233 |
| Pretax return on assets | 1.1590% | 3,100 |
| Return on Equity (ROE) | 10.6181% | 2,269 |
| Retained earnings to average equity (ytd only) | 8.8956% | 1,252 |
| Net charge-offs to loans | 0.1780% | 884 |
| Credit loss provision to net charge-offs | 254.2373% | 1,123 |
| Earnings coverage of net charge-offs (x) | 11.0610% | 2,297 |
| Efficiency ratio | 68.5693% | 2,548 |
| Assets per employee ($millions) | 3.6162% | 4,447 |
| Cash dividends to net income (ytd only)* | 16.2228% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4992% | 1,402 |
| Loan loss allowance to noncurrent loans | 99.0027% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 1.1871% | 1,210 |
| Noncurrent loans to loans | 1.5143% | 1,105 |
| Net loans and leases to total assets | 73.5921% | 2,012 |
| Net loans and leases to deposits | 81.9691% | 2,772 |
| Net loans and leases to core deposits | 84.3694% | 3,051 |
| Total domestic deposits to total assets | 89.7803% | 638 |
| Equity capital to assets | 8.7258% | 4,777 |
| Core capital (leverage) ratio | 8.7927% | 4,890 |
| Tier 1 risk-based capital ratio | 12.1521% | 4,402 |
| Total risk-based capital ratio | 13.4068% | 4,280 |
| Memoranda: | ||
| Average total assets | $433,649,670 | 1,599 |
| Average earning assets | $397,200,330 | 1,612 |
| Average equity | $38,895,670 | 1,907 |
| Average total loans | $331,446,330 | 1,476 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8707% | 928 |
| Cost of funding earning assets | 0.5179% | 2,657 |
| Net interest margin | 4.3529% | 851 |
| Noninterest income to average assets | 0.8142% | 1,408 |
| Noninterest expense to average assets | 3.3756% | 1,208 |
| Loan and lease loss provision to assets | 0.3534% | 345 |
| Net operating income to assets | 0.8821% | 3,365 |
| Return on assets (ROA) | 0.8821% | 3,378 |
| Pretax return on assets | 1.0696% | 3,283 |
| Return on Equity (ROE) | 9.6940% | 2,588 |
| Retained earnings to average equity (ytd only) | 8.6583% | 1,598 |
| Net charge-offs to loans | 0.3107% | 487 |
| Credit loss provision to net charge-offs | 147.0588% | 1,244 |
| Earnings coverage of net charge-offs (x) | 5.9216% | 2,191 |
| Efficiency ratio | 69.7368% | 2,525 |
| Assets per employee ($millions) | 3.3666% | 4,829 |
| Cash dividends to net income (ytd only)* | 10.6838% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4392% | 1,692 |
| Loan loss allowance to noncurrent loans | 93.2912% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 1.2894% | 1,151 |
| Noncurrent loans to loans | 1.5427% | 1,135 |
| Net loans and leases to total assets | 75.7319% | 1,576 |
| Net loans and leases to deposits | 83.7091% | 2,420 |
| Net loans and leases to core deposits | 86.2971% | 2,777 |
| Total domestic deposits to total assets | 90.4703% | 483 |
| Equity capital to assets | 9.0736% | 4,488 |
| Core capital (leverage) ratio | 8.8031% | 4,889 |
| Tier 1 risk-based capital ratio | 12.7578% | 4,086 |
| Total risk-based capital ratio | 14.0124% | 3,972 |
| Memoranda: | ||
| Average total assets | $424,461,000 | 1,637 |
| Average earning assets | $388,525,000 | 1,655 |
| Average equity | $38,622,000 | 1,932 |
| Average total loans | $328,310,000 | 1,495 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7859% | 1,003 |
| Cost of funding earning assets | 0.5043% | 2,291 |
| Net interest margin | 4.2816% | 1,004 |
| Noninterest income to average assets | 0.9821% | 1,062 |
| Noninterest expense to average assets | 3.3962% | 1,203 |
| Loan and lease loss provision to assets | 0.4575% | 297 |
| Net operating income to assets | 0.7078% | 3,569 |
| Return on assets (ROA) | 0.7078% | 3,623 |
| Pretax return on assets | 1.0170% | 3,509 |
| Return on Equity (ROE) | 7.9409% | 2,825 |
| Retained earnings to average equity (ytd only) | 5.1677% | 2,022 |
| Net charge-offs to loans | 0.1645% | 1,491 |
| Credit loss provision to net charge-offs | 376.7123% | 797 |
| Earnings coverage of net charge-offs (x) | 12.1409% | 2,500 |
| Efficiency ratio | 69.1163% | 2,677 |
| Assets per employee ($millions) | 3.3709% | 4,860 |
| Cash dividends to net income (ytd only)* | 34.9228% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4045% | 1,748 |
| Loan loss allowance to noncurrent loans | 81.8472% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 1.3881% | 1,017 |
| Noncurrent loans to loans | 1.7160% | 945 |
| Net loans and leases to total assets | 76.7712% | 1,469 |
| Net loans and leases to deposits | 87.6096% | 2,062 |
| Net loans and leases to core deposits | 90.3701% | 2,530 |
| Total domestic deposits to total assets | 87.6288% | 1,685 |
| Equity capital to assets | 9.1249% | 4,597 |
| Core capital (leverage) ratio | 8.7947% | 4,868 |
| Tier 1 risk-based capital ratio | 11.8860% | 4,604 |
| Total risk-based capital ratio | 13.1386% | 4,484 |
| Memoranda: | ||
| Average total assets | $420,735,200 | 1,632 |
| Average earning assets | $382,123,800 | 1,661 |
| Average equity | $37,502,000 | 1,953 |
| Average total loans | $310,706,600 | 1,529 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7238% | 1,091 |
| Cost of funding earning assets | 0.5076% | 2,203 |
| Net interest margin | 4.2161% | 1,120 |
| Noninterest income to average assets | 0.9774% | 1,073 |
| Noninterest expense to average assets | 3.3341% | 1,272 |
| Loan and lease loss provision to assets | 0.4993% | 237 |
| Net operating income to assets | 0.7047% | 3,955 |
| Return on assets (ROA) | 0.7047% | 4,022 |
| Pretax return on assets | 0.9698% | 3,802 |
| Return on Equity (ROE) | 7.9536% | 3,148 |
| Retained earnings to average equity (ytd only) | 5.7353% | 2,407 |
| Net charge-offs to loans | 0.2598% | 831 |
| Credit loss provision to net charge-offs | 263.8191% | 1,087 |
| Earnings coverage of net charge-offs (x) | 7.7621% | 2,842 |
| Efficiency ratio | 68.7941% | 2,741 |
| Assets per employee ($millions) | 3.5601% | 4,638 |
| Cash dividends to net income (ytd only)* | 27.8903% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3086% | 2,319 |
| Loan loss allowance to noncurrent loans | 83.1407% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 1.2173% | 1,348 |
| Noncurrent loans to loans | 1.5740% | 1,181 |
| Net loans and leases to total assets | 72.4405% | 2,194 |
| Net loans and leases to deposits | 79.9787% | 2,979 |
| Net loans and leases to core deposits | 82.4256% | 3,252 |
| Total domestic deposits to total assets | 90.5747% | 305 |
| Equity capital to assets | 8.8016% | 5,079 |
| Core capital (leverage) ratio | 8.6162% | 5,140 |
| Tier 1 risk-based capital ratio | 12.4977% | 4,314 |
| Total risk-based capital ratio | 13.7500% | 4,231 |
| Memoranda: | ||
| Average total assets | $420,577,750 | 1,642 |
| Average earning assets | $381,634,750 | 1,673 |
| Average equity | $37,265,250 | 1,974 |
| Average total loans | $306,359,500 | 1,556 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6912% | 1,073 |
| Cost of funding earning assets | 0.5216% | 1,997 |
| Net interest margin | 4.1696% | 1,149 |
| Noninterest income to average assets | 0.9803% | 1,071 |
| Noninterest expense to average assets | 3.3563% | 1,262 |
| Loan and lease loss provision to assets | 0.5048% | 234 |
| Net operating income to assets | 0.6601% | 4,029 |
| Return on assets (ROA) | 0.6601% | 4,087 |
| Pretax return on assets | 0.9048% | 3,916 |
| Return on Equity (ROE) | 7.4328% | 3,319 |
| Retained earnings to average equity (ytd only) | 5.1591% | 2,605 |
| Net charge-offs to loans | 0.3031% | 669 |
| Credit loss provision to net charge-offs | 229.2576% | 1,142 |
| Earnings coverage of net charge-offs (x) | 6.4017% | 2,718 |
| Efficiency ratio | 69.7871% | 2,706 |
| Assets per employee ($millions) | 3.4678% | 4,767 |
| Cash dividends to net income (ytd only)* | 30.5899% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2278% | 2,849 |
| Loan loss allowance to noncurrent loans | 79.5712% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 1.2036% | 1,412 |
| Noncurrent loans to loans | 1.5430% | 1,207 |
| Net loans and leases to total assets | 71.9903% | 2,206 |
| Net loans and leases to deposits | 79.5132% | 2,968 |
| Net loans and leases to core deposits | 82.0710% | 3,246 |
| Total domestic deposits to total assets | 90.5389% | 344 |
| Equity capital to assets | 8.8652% | 5,022 |
| Core capital (leverage) ratio | 8.6311% | 5,112 |
| Tier 1 risk-based capital ratio | 12.4695% | 4,321 |
| Total risk-based capital ratio | 13.7203% | 4,213 |
| Memoranda: | ||
| Average total assets | $415,994,000 | 1,663 |
| Average earning assets | $377,685,670 | 1,694 |
| Average equity | $36,944,330 | 1,979 |
| Average total loans | $302,212,000 | 1,566 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6719% | 988 |
| Cost of funding earning assets | 0.5312% | 1,854 |
| Net interest margin | 4.1407% | 1,119 |
| Noninterest income to average assets | 0.9611% | 1,079 |
| Noninterest expense to average assets | 3.2866% | 1,413 |
| Loan and lease loss provision to assets | 0.5091% | 197 |
| Net operating income to assets | 0.6759% | 3,806 |
| Return on assets (ROA) | 0.6759% | 3,846 |
| Pretax return on assets | 0.9300% | 3,659 |
| Return on Equity (ROE) | 7.6043% | 3,113 |
| Retained earnings to average equity (ytd only) | 6.5133% | 2,072 |
| Net charge-offs to loans | 0.0909% | 1,436 |
| Credit loss provision to net charge-offs | 772.0588% | 406 |
| Earnings coverage of net charge-offs (x) | 21.8235% | 1,440 |
| Efficiency ratio | 68.9103% | 3,062 |
| Assets per employee ($millions) | 3.3957% | 4,932 |
| Cash dividends to net income (ytd only)* | 14.3472% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2096% | 3,072 |
| Loan loss allowance to noncurrent loans | 89.7934% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 1.0539% | 1,713 |
| Noncurrent loans to loans | 1.3470% | 1,501 |
| Net loans and leases to total assets | 71.3941% | 2,154 |
| Net loans and leases to deposits | 78.6849% | 2,902 |
| Net loans and leases to core deposits | 80.9512% | 3,202 |
| Total domestic deposits to total assets | 90.7342% | 382 |
| Equity capital to assets | 8.8545% | 4,951 |
| Core capital (leverage) ratio | 8.7092% | 5,033 |
| Tier 1 risk-based capital ratio | 12.6164% | 4,316 |
| Total risk-based capital ratio | 13.8668% | 4,222 |
| Memoranda: | ||
| Average total assets | $412,457,000 | 1,686 |
| Average earning assets | $375,008,000 | 1,712 |
| Average equity | $36,663,500 | 1,998 |
| Average total loans | $299,141,000 | 1,584 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5650% | 1,372 |
| Cost of funding earning assets | 0.5723% | 1,529 |
| Net interest margin | 3.9928% | 1,648 |
| Noninterest income to average assets | 0.9382% | 1,299 |
| Noninterest expense to average assets | 3.4470% | 1,261 |
| Loan and lease loss provision to assets | 0.5138% | 268 |
| Net operating income to assets | 0.4675% | 4,747 |
| Return on assets (ROA) | 0.4700% | 4,818 |
| Pretax return on assets | 0.6094% | 4,761 |
| Return on Equity (ROE) | 5.3665% | 4,246 |
| Retained earnings to average equity (ytd only) | 3.3412% | 3,543 |
| Net charge-offs to loans | 0.8932% | 211 |
| Credit loss provision to net charge-offs | 83.4327% | 2,919 |
| Earnings coverage of net charge-offs (x) | 1.8188% | 3,935 |
| Efficiency ratio | 74.8393% | 2,158 |
| Assets per employee ($millions) | 3.3380% | 4,990 |
| Cash dividends to net income (ytd only)* | 37.7408% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0775% | 3,844 |
| Loan loss allowance to noncurrent loans | 74.6262% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 1.1443% | 1,609 |
| Noncurrent loans to loans | 1.4438% | 1,408 |
| Net loans and leases to total assets | 72.0073% | 2,168 |
| Net loans and leases to deposits | 80.0477% | 2,882 |
| Net loans and leases to core deposits | 82.6671% | 3,157 |
| Total domestic deposits to total assets | 89.9555% | 648 |
| Equity capital to assets | 8.9245% | 4,886 |
| Core capital (leverage) ratio | 8.5085% | 5,257 |
| Tier 1 risk-based capital ratio | 12.7120% | 4,267 |
| Total risk-based capital ratio | 13.8688% | 4,204 |
| Memoranda: | ||
| Average total assets | $408,758,600 | 1,650 |
| Average earning assets | $371,496,600 | 1,675 |
| Average equity | $35,796,000 | 2,035 |
| Average total loans | $281,796,800 | 1,613 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5171% | 1,488 |
| Cost of funding earning assets | 0.5741% | 1,521 |
| Net interest margin | 3.9429% | 1,841 |
| Noninterest income to average assets | 0.9323% | 1,305 |
| Noninterest expense to average assets | 3.4243% | 1,303 |
| Loan and lease loss provision to assets | 0.5133% | 238 |
| Net operating income to assets | 0.4493% | 4,877 |
| Return on assets (ROA) | 0.4526% | 4,951 |
| Pretax return on assets | 0.5820% | 4,922 |
| Return on Equity (ROE) | 5.1935% | 4,436 |
| Retained earnings to average equity (ytd only) | 3.9783% | 3,477 |
| Net charge-offs to loans | 0.8231% | 215 |
| Credit loss provision to net charge-offs | 91.7298% | 2,506 |
| Earnings coverage of net charge-offs (x) | 1.9499% | 3,639 |
| Efficiency ratio | 75.2021% | 2,076 |
| Assets per employee ($millions) | 3.4268% | 4,873 |
| Cash dividends to net income (ytd only)* | 23.3980% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1833% | 3,347 |
| Loan loss allowance to noncurrent loans | 49.8133% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 1.6801% | 1,015 |
| Noncurrent loans to loans | 2.3756% | 766 |
| Net loans and leases to total assets | 69.2910% | 2,598 |
| Net loans and leases to deposits | 77.0554% | 3,282 |
| Net loans and leases to core deposits | 79.5046% | 3,499 |
| Total domestic deposits to total assets | 89.9236% | 510 |
| Equity capital to assets | 8.8761% | 5,263 |
| Core capital (leverage) ratio | 8.3938% | 5,433 |
| Tier 1 risk-based capital ratio | 12.3793% | 4,551 |
| Total risk-based capital ratio | 13.6078% | 4,470 |
| Memoranda: | ||
| Average total assets | $409,138,750 | 1,654 |
| Average earning assets | $371,794,500 | 1,677 |
| Average equity | $35,659,000 | 2,055 |
| Average total loans | $278,137,250 | 1,623 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5251% | 1,450 |
| Cost of funding earning assets | 0.5784% | 1,476 |
| Net interest margin | 3.9467% | 1,821 |
| Noninterest income to average assets | 0.9223% | 1,309 |
| Noninterest expense to average assets | 3.4208% | 1,336 |
| Loan and lease loss provision to assets | 0.5170% | 249 |
| Net operating income to assets | 0.4399% | 4,905 |
| Return on assets (ROA) | 0.4437% | 4,977 |
| Pretax return on assets | 0.5742% | 4,960 |
| Return on Equity (ROE) | 5.1228% | 4,457 |
| Retained earnings to average equity (ytd only) | 5.1228% | 2,646 |
| Net charge-offs to loans | 1.0032% | 183 |
| Credit loss provision to net charge-offs | 76.6423% | 2,404 |
| Earnings coverage of net charge-offs (x) | 1.6102% | 3,385 |
| Efficiency ratio | 75.2868% | 2,184 |
| Assets per employee ($millions) | 3.3884% | 4,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1789% | 3,471 |
| Loan loss allowance to noncurrent loans | 47.7926% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 1.7783% | 974 |
| Noncurrent loans to loans | 2.4668% | 721 |
| Net loans and leases to total assets | 66.7321% | 2,976 |
| Net loans and leases to deposits | 74.0519% | 3,587 |
| Net loans and leases to core deposits | 76.9565% | 3,742 |
| Total domestic deposits to total assets | 90.1152% | 442 |
| Equity capital to assets | 8.7234% | 5,463 |
| Core capital (leverage) ratio | 8.3466% | 5,494 |
| Tier 1 risk-based capital ratio | 12.9029% | 4,255 |
| Total risk-based capital ratio | 14.1353% | 4,182 |
| Memoranda: | ||
| Average total assets | $406,162,670 | 1,663 |
| Average earning assets | $368,919,000 | 1,691 |
| Average equity | $35,176,000 | 2,082 |
| Average total loans | $273,132,330 | 1,653 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5551% | 1,368 |
| Cost of funding earning assets | 0.5852% | 1,445 |
| Net interest margin | 3.9698% | 1,711 |
| Noninterest income to average assets | 0.8814% | 1,354 |
| Noninterest expense to average assets | 3.3357% | 1,514 |
| Loan and lease loss provision to assets | 0.5217% | 228 |
| Net operating income to assets | 0.4760% | 4,721 |
| Return on assets (ROA) | 0.4760% | 4,818 |
| Pretax return on assets | 0.6300% | 4,733 |
| Return on Equity (ROE) | 5.5163% | 4,218 |
| Retained earnings to average equity (ytd only) | 5.5163% | 2,634 |
| Net charge-offs to loans | 0.2369% | 862 |
| Credit loss provision to net charge-offs | 328.1250% | 805 |
| Earnings coverage of net charge-offs (x) | 7.2438% | 2,160 |
| Efficiency ratio | 73.5607% | 2,544 |
| Assets per employee ($millions) | 3.3791% | 5,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4584% | 2,165 |
| Loan loss allowance to noncurrent loans | 41.3306% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 2.4538% | 613 |
| Noncurrent loans to loans | 3.5286% | 383 |
| Net loans and leases to total assets | 65.7044% | 2,993 |
| Net loans and leases to deposits | 74.4432% | 3,386 |
| Net loans and leases to core deposits | 77.3721% | 3,561 |
| Total domestic deposits to total assets | 88.2610% | 1,496 |
| Equity capital to assets | 8.5776% | 5,516 |
| Core capital (leverage) ratio | 8.2572% | 5,604 |
| Tier 1 risk-based capital ratio | 12.7269% | 4,445 |
| Total risk-based capital ratio | 13.9804% | 4,351 |
| Memoranda: | ||
| Average total assets | $402,552,500 | 1,674 |
| Average earning assets | $365,656,500 | 1,699 |
| Average equity | $34,733,500 | 2,102 |
| Average total loans | $270,123,500 | 1,670 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5951% | 1,344 |
| Cost of funding earning assets | 0.6334% | 1,160 |
| Net interest margin | 3.9617% | 1,840 |
| Noninterest income to average assets | 0.9164% | 1,393 |
| Noninterest expense to average assets | 3.2477% | 1,842 |
| Loan and lease loss provision to assets | 0.4937% | 228 |
| Net operating income to assets | 0.5806% | 4,381 |
| Return on assets (ROA) | 0.6643% | 4,064 |
| Pretax return on assets | 0.9023% | 3,827 |
| Return on Equity (ROE) | 7.9971% | 2,960 |
| Retained earnings to average equity (ytd only) | 5.9901% | 1,792 |
| Net charge-offs to loans | 0.7693% | 297 |
| Credit loss provision to net charge-offs | 95.9621% | 2,642 |
| Earnings coverage of net charge-offs (x) | 2.4935% | 3,894 |
| Efficiency ratio | 71.2086% | 3,031 |
| Assets per employee ($millions) | 3.3579% | 5,052 |
| Cash dividends to net income (ytd only)* | 25.0965% | 3,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3493% | 2,670 |
| Loan loss allowance to noncurrent loans | 39.4085% | 5,124 |
| Noncurrent assets plus other real estate owned to assets | 2.3807% | 666 |
| Noncurrent loans to loans | 3.4239% | 418 |
| Net loans and leases to total assets | 66.6308% | 2,893 |
| Net loans and leases to deposits | 74.5101% | 3,435 |
| Net loans and leases to core deposits | 77.2372% | 3,634 |
| Total domestic deposits to total assets | 89.4253% | 899 |
| Equity capital to assets | 8.6806% | 5,405 |
| Core capital (leverage) ratio | 8.5374% | 5,387 |
| Tier 1 risk-based capital ratio | 13.1736% | 4,184 |
| Total risk-based capital ratio | 14.4255% | 4,111 |
| Memoranda: | ||
| Average total assets | $389,900,800 | 1,684 |
| Average earning assets | $355,707,000 | 1,700 |
| Average equity | $32,386,800 | 2,177 |
| Average total loans | $260,770,000 | 1,668 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6090% | 1,309 |
| Cost of funding earning assets | 0.6397% | 1,148 |
| Net interest margin | 3.9693% | 1,808 |
| Noninterest income to average assets | 0.9068% | 1,435 |
| Noninterest expense to average assets | 3.2749% | 1,765 |
| Loan and lease loss provision to assets | 0.5322% | 187 |
| Net operating income to assets | 0.5352% | 4,655 |
| Return on assets (ROA) | 0.6424% | 4,281 |
| Pretax return on assets | 0.8707% | 4,089 |
| Return on Equity (ROE) | 7.8238% | 3,175 |
| Retained earnings to average equity (ytd only) | 6.0466% | 2,215 |
| Net charge-offs to loans | 0.1920% | 1,333 |
| Credit loss provision to net charge-offs | 415.5496% | 741 |
| Earnings coverage of net charge-offs (x) | 9.8231% | 2,660 |
| Efficiency ratio | 71.8755% | 2,908 |
| Assets per employee ($millions) | 3.3536% | 5,052 |
| Cash dividends to net income (ytd only)* | 22.7151% | 3,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8319% | 1,201 |
| Loan loss allowance to noncurrent loans | 83.7749% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 1.4442% | 1,572 |
| Noncurrent loans to loans | 2.1867% | 1,010 |
| Net loans and leases to total assets | 64.8353% | 3,182 |
| Net loans and leases to deposits | 71.7120% | 3,802 |
| Net loans and leases to core deposits | 74.6497% | 3,942 |
| Total domestic deposits to total assets | 90.4107% | 418 |
| Equity capital to assets | 8.0879% | 5,928 |
| Core capital (leverage) ratio | 8.2072% | 5,772 |
| Tier 1 risk-based capital ratio | 10.2740% | 5,955 |
| Total risk-based capital ratio | 11.5276% | 5,897 |
| Memoranda: | ||
| Average total assets | $388,319,000 | 1,706 |
| Average earning assets | $354,746,500 | 1,713 |
| Average equity | $31,884,750 | 2,217 |
| Average total loans | $259,057,250 | 1,685 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6323% | 1,208 |
| Cost of funding earning assets | 0.6533% | 1,078 |
| Net interest margin | 3.9790% | 1,706 |
| Noninterest income to average assets | 0.8915% | 1,472 |
| Noninterest expense to average assets | 3.2319% | 1,890 |
| Loan and lease loss provision to assets | 0.6126% | 148 |
| Net operating income to assets | 0.5066% | 4,739 |
| Return on assets (ROA) | 0.6694% | 4,142 |
| Pretax return on assets | 0.9092% | 3,920 |
| Return on Equity (ROE) | 8.1102% | 2,986 |
| Retained earnings to average equity (ytd only) | 6.0574% | 2,209 |
| Net charge-offs to loans | 0.2461% | 1,057 |
| Credit loss provision to net charge-offs | 371.8354% | 792 |
| Earnings coverage of net charge-offs (x) | 7.9019% | 2,614 |
| Efficiency ratio | 71.0442% | 3,149 |
| Assets per employee ($millions) | 3.4845% | 4,826 |
| Cash dividends to net income (ytd only)* | 25.3115% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7495% | 1,495 |
| Loan loss allowance to noncurrent loans | 135.0044% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.8793% | 2,787 |
| Noncurrent loans to loans | 1.2959% | 2,073 |
| Net loans and leases to total assets | 66.0775% | 2,933 |
| Net loans and leases to deposits | 73.2670% | 3,579 |
| Net loans and leases to core deposits | 76.3213% | 3,734 |
| Total domestic deposits to total assets | 90.1873% | 584 |
| Equity capital to assets | 8.2718% | 5,848 |
| Core capital (leverage) ratio | 8.2301% | 5,765 |
| Tier 1 risk-based capital ratio | 10.2836% | 6,000 |
| Total risk-based capital ratio | 11.5364% | 5,944 |
| Memoranda: | ||
| Average total assets | $383,616,670 | 1,735 |
| Average earning assets | $351,141,330 | 1,740 |
| Average equity | $31,663,670 | 2,237 |
| Average total loans | $256,815,330 | 1,702 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5809% | 1,269 |
| Cost of funding earning assets | 0.6569% | 1,068 |
| Net interest margin | 3.9240% | 1,806 |
| Noninterest income to average assets | 0.8659% | 1,515 |
| Noninterest expense to average assets | 3.3128% | 1,692 |
| Loan and lease loss provision to assets | 0.3926% | 305 |
| Net operating income to assets | 0.5696% | 4,405 |
| Return on assets (ROA) | 0.5696% | 4,509 |
| Pretax return on assets | 0.7633% | 4,373 |
| Return on Equity (ROE) | 6.9083% | 3,555 |
| Retained earnings to average equity (ytd only) | 5.6384% | 2,686 |
| Net charge-offs to loans | 0.1129% | 1,616 |
| Credit loss provision to net charge-offs | 520.8333% | 526 |
| Earnings coverage of net charge-offs (x) | 15.3333% | 1,627 |
| Efficiency ratio | 73.8754% | 2,838 |
| Assets per employee ($millions) | 3.6364% | 4,646 |
| Cash dividends to net income (ytd only)* | 18.3824% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5543% | 2,217 |
| Loan loss allowance to noncurrent loans | 149.5135% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.7321% | 3,296 |
| Noncurrent loans to loans | 1.0396% | 2,686 |
| Net loans and leases to total assets | 65.6424% | 2,830 |
| Net loans and leases to deposits | 72.7705% | 3,461 |
| Net loans and leases to core deposits | 76.0964% | 3,586 |
| Total domestic deposits to total assets | 90.2047% | 647 |
| Equity capital to assets | 8.2413% | 5,911 |
| Core capital (leverage) ratio | 8.2208% | 5,792 |
| Tier 1 risk-based capital ratio | 10.3112% | 6,073 |
| Total risk-based capital ratio | 11.5603% | 6,021 |
| Memoranda: | ||
| Average total assets | $382,032,500 | 1,745 |
| Average earning assets | $350,760,500 | 1,754 |
| Average equity | $31,498,500 | 2,258 |
| Average total loans | $255,158,500 | 1,706 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6753% | 1,363 |
| Cost of funding earning assets | 0.7251% | 977 |
| Net interest margin | 3.9502% | 2,049 |
| Noninterest income to average assets | 0.9123% | 1,464 |
| Noninterest expense to average assets | 3.1774% | 2,269 |
| Loan and lease loss provision to assets | 0.4334% | 388 |
| Net operating income to assets | 0.6670% | 4,052 |
| Return on assets (ROA) | 0.6889% | 4,064 |
| Pretax return on assets | 0.9259% | 3,798 |
| Return on Equity (ROE) | 8.8666% | 2,654 |
| Retained earnings to average equity (ytd only) | 6.7746% | 1,506 |
| Net charge-offs to loans | 0.4398% | 961 |
| Credit loss provision to net charge-offs | 150.8011% | 1,601 |
| Earnings coverage of net charge-offs (x) | 4.6268% | 3,605 |
| Efficiency ratio | 70.2446% | 3,490 |
| Assets per employee ($millions) | 3.6058% | 4,706 |
| Cash dividends to net income (ytd only)* | 23.5942% | 3,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4576% | 2,656 |
| Loan loss allowance to noncurrent loans | 196.1743% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.5417% | 3,996 |
| Noncurrent loans to loans | 0.7430% | 3,462 |
| Net loans and leases to total assets | 65.9275% | 2,899 |
| Net loans and leases to deposits | 74.3495% | 3,390 |
| Net loans and leases to core deposits | 77.4610% | 3,568 |
| Total domestic deposits to total assets | 88.6723% | 1,430 |
| Equity capital to assets | 8.2487% | 5,933 |
| Core capital (leverage) ratio | 8.2583% | 5,814 |
| Tier 1 risk-based capital ratio | 14.0997% | 4,029 |
| Total risk-based capital ratio | 15.3548% | 3,948 |
| Memoranda: | ||
| Average total assets | $369,165,600 | 1,758 |
| Average earning assets | $335,954,000 | 1,787 |
| Average equity | $28,680,600 | 2,366 |
| Average total loans | $241,243,600 | 1,751 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6634% | 1,398 |
| Cost of funding earning assets | 0.7358% | 959 |
| Net interest margin | 3.9276% | 2,126 |
| Noninterest income to average assets | 0.9145% | 1,474 |
| Noninterest expense to average assets | 3.2263% | 2,099 |
| Loan and lease loss provision to assets | 0.4453% | 352 |
| Net operating income to assets | 0.6111% | 4,394 |
| Return on assets (ROA) | 0.6408% | 4,350 |
| Pretax return on assets | 0.8527% | 4,170 |
| Return on Equity (ROE) | 8.3821% | 2,996 |
| Retained earnings to average equity (ytd only) | 6.4803% | 2,117 |
| Net charge-offs to loans | 0.5485% | 695 |
| Credit loss provision to net charge-offs | 125.0000% | 1,833 |
| Earnings coverage of net charge-offs (x) | 3.5327% | 3,641 |
| Efficiency ratio | 71.6810% | 3,238 |
| Assets per employee ($millions) | 3.6625% | 4,551 |
| Cash dividends to net income (ytd only)* | 22.6886% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3551% | 3,374 |
| Loan loss allowance to noncurrent loans | 114.2953% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 0.9165% | 3,147 |
| Noncurrent loans to loans | 1.1856% | 2,688 |
| Net loans and leases to total assets | 66.2160% | 2,820 |
| Net loans and leases to deposits | 73.5970% | 3,485 |
| Net loans and leases to core deposits | 77.0249% | 3,634 |
| Total domestic deposits to total assets | 89.9710% | 743 |
| Equity capital to assets | 8.1860% | 6,026 |
| Core capital (leverage) ratio | 8.2191% | 5,912 |
| Tier 1 risk-based capital ratio | 13.8422% | 4,327 |
| Total risk-based capital ratio | 15.0957% | 4,258 |
| Memoranda: | ||
| Average total assets | $366,806,000 | 1,786 |
| Average earning assets | $333,426,250 | 1,813 |
| Average equity | $28,043,250 | 2,416 |
| Average total loans | $238,230,500 | 1,774 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6327% | 1,443 |
| Cost of funding earning assets | 0.7358% | 986 |
| Net interest margin | 3.8968% | 2,180 |
| Noninterest income to average assets | 0.9239% | 1,414 |
| Noninterest expense to average assets | 3.1946% | 2,212 |
| Loan and lease loss provision to assets | 0.4663% | 332 |
| Net operating income to assets | 0.6025% | 4,346 |
| Return on assets (ROA) | 0.6474% | 4,217 |
| Pretax return on assets | 0.8586% | 4,046 |
| Return on Equity (ROE) | 8.6773% | 2,740 |
| Retained earnings to average equity (ytd only) | 6.4712% | 2,051 |
| Net charge-offs to loans | 0.5597% | 729 |
| Credit loss provision to net charge-offs | 129.7710% | 1,609 |
| Earnings coverage of net charge-offs (x) | 3.5206% | 3,283 |
| Efficiency ratio | 71.3741% | 3,450 |
| Assets per employee ($millions) | 3.5883% | 4,687 |
| Cash dividends to net income (ytd only)* | 25.4237% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3960% | 3,371 |
| Loan loss allowance to noncurrent loans | 150.5396% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.6983% | 3,886 |
| Noncurrent loans to loans | 0.9273% | 3,397 |
| Net loans and leases to total assets | 63.3667% | 3,185 |
| Net loans and leases to deposits | 70.2534% | 3,795 |
| Net loans and leases to core deposits | 73.5307% | 3,887 |
| Total domestic deposits to total assets | 90.1974% | 710 |
| Equity capital to assets | 8.0474% | 6,127 |
| Core capital (leverage) ratio | 8.1053% | 6,017 |
| Tier 1 risk-based capital ratio | 13.5619% | 4,546 |
| Total risk-based capital ratio | 14.8150% | 4,481 |
| Memoranda: | ||
| Average total assets | $364,549,330 | 1,796 |
| Average earning assets | $330,780,000 | 1,822 |
| Average equity | $27,197,330 | 2,466 |
| Average total loans | $234,052,330 | 1,797 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6270% | 1,434 |
| Cost of funding earning assets | 0.7377% | 1,031 |
| Net interest margin | 3.8893% | 2,123 |
| Noninterest income to average assets | 0.8894% | 1,427 |
| Noninterest expense to average assets | 3.3145% | 1,914 |
| Loan and lease loss provision to assets | 0.4164% | 401 |
| Net operating income to assets | 0.5334% | 4,536 |
| Return on assets (ROA) | 0.5719% | 4,418 |
| Pretax return on assets | 0.7384% | 4,359 |
| Return on Equity (ROE) | 7.9907% | 2,931 |
| Retained earnings to average equity (ytd only) | 6.4391% | 2,321 |
| Net charge-offs to loans | 0.7233% | 482 |
| Credit loss provision to net charge-offs | 89.7129% | 1,803 |
| Earnings coverage of net charge-offs (x) | 2.3804% | 2,890 |
| Efficiency ratio | 74.7236% | 3,014 |
| Assets per employee ($millions) | 3.7736% | 4,376 |
| Cash dividends to net income (ytd only)* | 19.4175% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3308% | 3,949 |
| Loan loss allowance to noncurrent loans | 138.7154% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.7463% | 3,884 |
| Noncurrent loans to loans | 0.9594% | 3,495 |
| Net loans and leases to total assets | 61.7200% | 3,282 |
| Net loans and leases to deposits | 68.7466% | 3,769 |
| Net loans and leases to core deposits | 72.0541% | 3,868 |
| Total domestic deposits to total assets | 89.7789% | 1,189 |
| Equity capital to assets | 7.1937% | 6,403 |
| Core capital (leverage) ratio | 8.0215% | 6,101 |
| Tier 1 risk-based capital ratio | 13.3256% | 4,811 |
| Total risk-based capital ratio | 14.5782% | 4,737 |
| Memoranda: | ||
| Average total assets | $360,230,000 | 1,825 |
| Average earning assets | $326,948,000 | 1,842 |
| Average equity | $25,780,000 | 2,577 |
| Average total loans | $231,166,000 | 1,809 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7991% | 1,318 |
| Cost of funding earning assets | 0.8038% | 1,192 |
| Net interest margin | 3.9953% | 1,959 |
| Noninterest income to average assets | 0.9344% | 1,568 |
| Noninterest expense to average assets | 3.3359% | 2,036 |
| Loan and lease loss provision to assets | 0.3919% | 768 |
| Net operating income to assets | 0.6405% | 4,072 |
| Return on assets (ROA) | 0.6405% | 4,177 |
| Pretax return on assets | 0.8235% | 4,060 |
| Return on Equity (ROE) | 8.0914% | 2,990 |
| Retained earnings to average equity (ytd only) | 5.9972% | 1,972 |
| Net charge-offs to loans | 0.6261% | 1,046 |
| Credit loss provision to net charge-offs | 97.1599% | 2,564 |
| Earnings coverage of net charge-offs (x) | 3.0135% | 3,988 |
| Efficiency ratio | 73.0181% | 3,286 |
| Assets per employee ($millions) | 3.5037% | 4,894 |
| Cash dividends to net income (ytd only)* | 25.8824% | 3,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3790% | 3,748 |
| Loan loss allowance to noncurrent loans | 100.6063% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 0.9375% | 3,559 |
| Noncurrent loans to loans | 1.3707% | 2,846 |
| Net loans and leases to total assets | 65.0069% | 2,865 |
| Net loans and leases to deposits | 71.4616% | 3,597 |
| Net loans and leases to core deposits | 75.1050% | 3,721 |
| Total domestic deposits to total assets | 90.9675% | 585 |
| Equity capital to assets | 7.1165% | 6,429 |
| Core capital (leverage) ratio | 8.1559% | 6,012 |
| Tier 1 risk-based capital ratio | 13.5450% | 4,622 |
| Total risk-based capital ratio | 14.6828% | 4,640 |
| Memoranda: | ||
| Average total assets | $331,754,200 | 1,944 |
| Average earning assets | $300,326,400 | 1,979 |
| Average equity | $26,262,400 | 2,521 |
| Average total loans | $213,689,800 | 1,903 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7897% | 1,370 |
| Cost of funding earning assets | 0.8189% | 1,213 |
| Net interest margin | 3.9708% | 2,041 |
| Noninterest income to average assets | 0.9423% | 1,625 |
| Noninterest expense to average assets | 3.3416% | 1,973 |
| Loan and lease loss provision to assets | 0.3659% | 865 |
| Net operating income to assets | 0.6456% | 4,146 |
| Return on assets (ROA) | 0.6456% | 4,266 |
| Pretax return on assets | 0.8285% | 4,195 |
| Return on Equity (ROE) | 7.9428% | 3,148 |
| Retained earnings to average equity (ytd only) | 6.0671% | 2,365 |
| Net charge-offs to loans | 0.7506% | 795 |
| Credit loss provision to net charge-offs | 76.1421% | 2,945 |
| Earnings coverage of net charge-offs (x) | 2.4856% | 4,005 |
| Efficiency ratio | 73.3823% | 3,159 |
| Assets per employee ($millions) | 3.4048% | 5,054 |
| Cash dividends to net income (ytd only)* | 23.6147% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3054% | 4,360 |
| Loan loss allowance to noncurrent loans | 97.8802% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 0.8642% | 3,954 |
| Noncurrent loans to loans | 1.3337% | 3,193 |
| Net loans and leases to total assets | 63.9539% | 3,005 |
| Net loans and leases to deposits | 70.6073% | 3,698 |
| Net loans and leases to core deposits | 73.4527% | 3,912 |
| Total domestic deposits to total assets | 90.5768% | 715 |
| Equity capital to assets | 7.4981% | 6,398 |
| Core capital (leverage) ratio | 8.3144% | 5,960 |
| Tier 1 risk-based capital ratio | 13.5291% | 4,737 |
| Total risk-based capital ratio | 14.7812% | 4,697 |
| Memoranda: | ||
| Average total assets | $327,975,000 | 1,976 |
| Average earning assets | $296,826,500 | 2,002 |
| Average equity | $26,656,750 | 2,511 |
| Average total loans | $209,951,500 | 1,931 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9354% | 1,021 |
| Cost of funding earning assets | 0.8376% | 1,214 |
| Net interest margin | 4.0978% | 1,548 |
| Noninterest income to average assets | 0.9254% | 1,728 |
| Noninterest expense to average assets | 3.5349% | 1,531 |
| Loan and lease loss provision to assets | 0.3719% | 876 |
| Net operating income to assets | 0.5826% | 4,388 |
| Return on assets (ROA) | 0.5826% | 4,566 |
| Pretax return on assets | 0.7302% | 4,579 |
| Return on Equity (ROE) | 6.9766% | 3,614 |
| Retained earnings to average equity (ytd only) | 4.7500% | 3,228 |
| Net charge-offs to loans | 1.1320% | 525 |
| Credit loss provision to net charge-offs | 51.5464% | 3,181 |
| Earnings coverage of net charge-offs (x) | 1.5275% | 4,024 |
| Efficiency ratio | 75.9524% | 2,795 |
| Assets per employee ($millions) | 3.3873% | 5,098 |
| Cash dividends to net income (ytd only)* | 31.9149% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2365% | 4,804 |
| Loan loss allowance to noncurrent loans | 99.1695% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 0.7944% | 4,237 |
| Noncurrent loans to loans | 1.2468% | 3,463 |
| Net loans and leases to total assets | 62.5732% | 3,186 |
| Net loans and leases to deposits | 68.8763% | 3,880 |
| Net loans and leases to core deposits | 71.6119% | 4,093 |
| Total domestic deposits to total assets | 90.8488% | 602 |
| Equity capital to assets | 7.7944% | 6,317 |
| Core capital (leverage) ratio | 8.1727% | 6,033 |
| Tier 1 risk-based capital ratio | 13.6325% | 4,687 |
| Total risk-based capital ratio | 14.8835% | 4,648 |
| Memoranda: | ||
| Average total assets | $322,671,000 | 2,010 |
| Average earning assets | $292,254,330 | 2,035 |
| Average equity | $26,947,330 | 2,494 |
| Average total loans | $205,656,000 | 1,968 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7198% | 1,479 |
| Cost of funding earning assets | 0.8483% | 1,260 |
| Net interest margin | 3.8715% | 2,213 |
| Noninterest income to average assets | 0.8864% | 1,803 |
| Noninterest expense to average assets | 3.5001% | 1,621 |
| Loan and lease loss provision to assets | 0.3793% | 842 |
| Net operating income to assets | 0.4489% | 4,914 |
| Return on assets (ROA) | 0.4489% | 5,076 |
| Pretax return on assets | 0.5273% | 5,183 |
| Return on Equity (ROE) | 5.1916% | 4,465 |
| Retained earnings to average equity (ytd only) | 4.0948% | 3,764 |
| Net charge-offs to loans | 0.1464% | 2,526 |
| Credit loss provision to net charge-offs | 405.4054% | 630 |
| Earnings coverage of net charge-offs (x) | 9.6892% | 1,815 |
| Efficiency ratio | 79.1105% | 2,456 |
| Assets per employee ($millions) | 3.3098% | 5,413 |
| Cash dividends to net income (ytd only)* | 21.1268% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6564% | 3,177 |
| Loan loss allowance to noncurrent loans | 182.4346% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.5863% | 4,926 |
| Noncurrent loans to loans | 0.9079% | 4,322 |
| Net loans and leases to total assets | 61.9149% | 3,079 |
| Net loans and leases to deposits | 68.0114% | 3,776 |
| Net loans and leases to core deposits | 71.1175% | 3,941 |
| Total domestic deposits to total assets | 91.0360% | 510 |
| Equity capital to assets | 8.3289% | 6,168 |
| Core capital (leverage) ratio | 7.8252% | 6,265 |
| Tier 1 risk-based capital ratio | 11.2756% | 6,280 |
| Total risk-based capital ratio | 12.5293% | 6,256 |
| Memoranda: | ||
| Average total assets | $316,335,000 | 2,070 |
| Average earning assets | $287,638,000 | 2,104 |
| Average equity | $27,352,000 | 2,497 |
| Average total loans | $202,253,000 | 2,014 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1947% | 1,125 |
| Cost of funding earning assets | 0.9095% | 1,886 |
| Net interest margin | 4.2852% | 1,431 |
| Noninterest income to average assets | 0.9847% | 1,581 |
| Noninterest expense to average assets | 3.6413% | 1,517 |
| Loan and lease loss provision to assets | 0.4040% | 1,607 |
| Net operating income to assets | 0.6159% | 4,164 |
| Return on assets (ROA) | 0.6548% | 4,228 |
| Pretax return on assets | 0.8460% | 4,124 |
| Return on Equity (ROE) | 7.4953% | 3,341 |
| Retained earnings to average equity (ytd only) | 5.5685% | 2,338 |
| Net charge-offs to loans | 0.2708% | 3,312 |
| Credit loss provision to net charge-offs | 239.0438% | 1,040 |
| Earnings coverage of net charge-offs (x) | 7.0976% | 2,679 |
| Efficiency ratio | 74.9287% | 2,916 |
| Assets per employee ($millions) | 3.0808% | 5,879 |
| Cash dividends to net income (ytd only)* | 25.7069% | 3,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6099% | 3,267 |
| Loan loss allowance to noncurrent loans | 177.5737% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.6065% | 4,960 |
| Noncurrent loans to loans | 0.9066% | 4,373 |
| Net loans and leases to total assets | 63.9415% | 2,907 |
| Net loans and leases to deposits | 70.6691% | 3,609 |
| Net loans and leases to core deposits | 73.8529% | 3,803 |
| Total domestic deposits to total assets | 90.4801% | 713 |
| Equity capital to assets | 8.9878% | 5,538 |
| Core capital (leverage) ratio | 7.8535% | 6,309 |
| Tier 1 risk-based capital ratio | 11.4734% | 6,123 |
| Total risk-based capital ratio | 12.7263% | 6,088 |
| Memoranda: | ||
| Average total assets | $297,039,400 | 2,156 |
| Average earning assets | $267,292,800 | 2,176 |
| Average equity | $25,949,600 | 2,571 |
| Average total loans | $185,404,200 | 2,137 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1501% | 1,299 |
| Cost of funding earning assets | 0.9254% | 2,010 |
| Net interest margin | 4.2247% | 1,665 |
| Noninterest income to average assets | 0.9878% | 1,538 |
| Noninterest expense to average assets | 3.6029% | 1,554 |
| Loan and lease loss provision to assets | 0.4519% | 1,384 |
| Net operating income to assets | 0.5680% | 4,531 |
| Return on assets (ROA) | 0.6191% | 4,555 |
| Pretax return on assets | 0.7944% | 4,504 |
| Return on Equity (ROE) | 7.1398% | 3,730 |
| Retained earnings to average equity (ytd only) | 5.1854% | 3,232 |
| Net charge-offs to loans | 0.3330% | 2,793 |
| Credit loss provision to net charge-offs | 219.7802% | 1,267 |
| Earnings coverage of net charge-offs (x) | 5.7429% | 2,938 |
| Efficiency ratio | 75.0142% | 2,826 |
| Assets per employee ($millions) | 3.2108% | 5,615 |
| Cash dividends to net income (ytd only)* | 27.3724% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5746% | 3,622 |
| Loan loss allowance to noncurrent loans | 115.8658% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.9016% | 4,478 |
| Noncurrent loans to loans | 1.3590% | 3,748 |
| Net loans and leases to total assets | 60.3510% | 3,710 |
| Net loans and leases to deposits | 66.4612% | 4,417 |
| Net loans and leases to core deposits | 69.1814% | 4,591 |
| Total domestic deposits to total assets | 90.8063% | 471 |
| Equity capital to assets | 8.6353% | 6,150 |
| Core capital (leverage) ratio | 7.8508% | 6,438 |
| Tier 1 risk-based capital ratio | 11.6917% | 6,122 |
| Total risk-based capital ratio | 12.9450% | 6,100 |
| Memoranda: | ||
| Average total assets | $295,048,250 | 2,193 |
| Average earning assets | $265,102,250 | 2,223 |
| Average equity | $25,583,750 | 2,629 |
| Average total loans | $182,201,500 | 2,199 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2104% | 1,217 |
| Cost of funding earning assets | 0.9676% | 1,949 |
| Net interest margin | 4.2428% | 1,630 |
| Noninterest income to average assets | 1.0169% | 1,412 |
| Noninterest expense to average assets | 3.6519% | 1,465 |
| Loan and lease loss provision to assets | 0.4853% | 1,305 |
| Net operating income to assets | 0.5431% | 4,611 |
| Return on assets (ROA) | 0.6218% | 4,520 |
| Pretax return on assets | 0.7750% | 4,558 |
| Return on Equity (ROE) | 7.1604% | 3,694 |
| Retained earnings to average equity (ytd only) | 4.7656% | 3,436 |
| Net charge-offs to loans | 0.3594% | 2,575 |
| Credit loss provision to net charge-offs | 218.0685% | 1,302 |
| Earnings coverage of net charge-offs (x) | 5.2212% | 2,879 |
| Efficiency ratio | 75.5616% | 2,817 |
| Assets per employee ($millions) | 3.2799% | 5,492 |
| Cash dividends to net income (ytd only)* | 33.4448% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5357% | 3,846 |
| Loan loss allowance to noncurrent loans | 126.2418% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.8232% | 4,750 |
| Noncurrent loans to loans | 1.2164% | 4,116 |
| Net loans and leases to total assets | 61.0268% | 3,621 |
| Net loans and leases to deposits | 67.0325% | 4,358 |
| Net loans and leases to core deposits | 69.5750% | 4,582 |
| Total domestic deposits to total assets | 91.0406% | 433 |
| Equity capital to assets | 8.4948% | 6,212 |
| Core capital (leverage) ratio | 7.8236% | 6,430 |
| Tier 1 risk-based capital ratio | 12.2957% | 5,728 |
| Total risk-based capital ratio | 13.5514% | 5,700 |
| Memoranda: | ||
| Average total assets | $288,510,670 | 2,245 |
| Average earning assets | $258,177,670 | 2,276 |
| Average equity | $25,054,330 | 2,663 |
| Average total loans | $178,622,330 | 2,251 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1408% | 1,459 |
| Cost of funding earning assets | 1.0081% | 1,931 |
| Net interest margin | 4.1327% | 1,984 |
| Noninterest income to average assets | 1.0756% | 1,245 |
| Noninterest expense to average assets | 3.8526% | 1,125 |
| Loan and lease loss provision to assets | 0.5321% | 1,125 |
| Net operating income to assets | 0.3564% | 5,448 |
| Return on assets (ROA) | 0.5236% | 4,931 |
| Pretax return on assets | 0.6329% | 5,001 |
| Return on Equity (ROE) | 5.9600% | 4,315 |
| Retained earnings to average equity (ytd only) | 4.7486% | 3,710 |
| Net charge-offs to loans | 0.3371% | 2,308 |
| Credit loss provision to net charge-offs | 255.1020% | 1,123 |
| Earnings coverage of net charge-offs (x) | 4.6190% | 2,537 |
| Efficiency ratio | 79.6700% | 2,242 |
| Assets per employee ($millions) | 3.0694% | 6,020 |
| Cash dividends to net income (ytd only)* | 20.3252% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5424% | 3,977 |
| Loan loss allowance to noncurrent loans | 114.8101% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.8710% | 4,781 |
| Noncurrent loans to loans | 1.3434% | 4,100 |
| Net loans and leases to total assets | 60.2020% | 3,622 |
| Net loans and leases to deposits | 66.1873% | 4,346 |
| Net loans and leases to core deposits | 68.7461% | 4,598 |
| Total domestic deposits to total assets | 90.9570% | 579 |
| Equity capital to assets | 8.5758% | 6,013 |
| Core capital (leverage) ratio | 8.1174% | 6,135 |
| Tier 1 risk-based capital ratio | 14.3155% | 4,229 |
| Total risk-based capital ratio | 15.5722% | 4,200 |
| Memoranda: | ||
| Average total assets | $281,890,500 | 2,303 |
| Average earning assets | $255,134,500 | 2,326 |
| Average equity | $24,765,000 | 2,686 |
| Average total loans | $174,423,000 | 2,317 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6499% | 867 |
| Cost of funding earning assets | 1.1964% | 2,054 |
| Net interest margin | 4.4536% | 1,252 |
| Noninterest income to average assets | 1.1031% | 1,093 |
| Noninterest expense to average assets | 3.7483% | 1,446 |
| Loan and lease loss provision to assets | 0.5781% | 1,789 |
| Net operating income to assets | 0.6322% | 3,819 |
| Return on assets (ROA) | 0.6340% | 4,012 |
| Pretax return on assets | 0.7820% | 4,045 |
| Return on Equity (ROE) | 7.4652% | 3,165 |
| Retained earnings to average equity (ytd only) | 4.9692% | 2,663 |
| Net charge-offs to loans | 0.4692% | 3,111 |
| Credit loss provision to net charge-offs | 190.3553% | 1,345 |
| Earnings coverage of net charge-offs (x) | 4.4708% | 3,103 |
| Efficiency ratio | 71.4523% | 3,703 |
| Assets per employee ($millions) | 3.1279% | 5,848 |
| Cash dividends to net income (ytd only)* | 33.4347% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4458% | 4,260 |
| Loan loss allowance to noncurrent loans | 108.0624% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 1.0107% | 4,591 |
| Noncurrent loans to loans | 1.3379% | 4,139 |
| Net loans and leases to total assets | 61.7368% | 3,654 |
| Net loans and leases to deposits | 68.3130% | 4,395 |
| Net loans and leases to core deposits | 71.0001% | 4,649 |
| Total domestic deposits to total assets | 90.3734% | 777 |
| Equity capital to assets | 9.0050% | 5,547 |
| Core capital (leverage) ratio | 8.0219% | 6,242 |
| Tier 1 risk-based capital ratio | 14.0904% | 4,262 |
| Total risk-based capital ratio | 15.3277% | 4,222 |
| Memoranda: | ||
| Average total assets | $259,448,800 | 2,432 |
| Average earning assets | $233,207,200 | 2,469 |
| Average equity | $22,035,600 | 2,891 |
| Average total loans | $167,945,400 | 2,389 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6712% | 896 |
| Cost of funding earning assets | 1.2299% | 2,126 |
| Net interest margin | 4.4413% | 1,293 |
| Noninterest income to average assets | 1.1214% | 1,052 |
| Noninterest expense to average assets | 3.7683% | 1,362 |
| Loan and lease loss provision to assets | 0.5349% | 1,842 |
| Net operating income to assets | 0.6569% | 3,840 |
| Return on assets (ROA) | 0.6586% | 4,002 |
| Pretax return on assets | 0.8115% | 4,086 |
| Return on Equity (ROE) | 7.8820% | 3,090 |
| Retained earnings to average equity (ytd only) | 5.5399% | 2,833 |
| Net charge-offs to loans | 0.3221% | 3,493 |
| Credit loss provision to net charge-offs | 254.3424% | 1,122 |
| Earnings coverage of net charge-offs (x) | 6.3921% | 2,560 |
| Efficiency ratio | 73.3796% | 3,301 |
| Assets per employee ($millions) | 3.0761% | 5,952 |
| Cash dividends to net income (ytd only)* | 29.7150% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4058% | 4,532 |
| Loan loss allowance to noncurrent loans | 206.0892% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.5081% | 5,812 |
| Noncurrent loans to loans | 0.6822% | 5,524 |
| Net loans and leases to total assets | 61.5577% | 3,828 |
| Net loans and leases to deposits | 67.7487% | 4,657 |
| Net loans and leases to core deposits | 70.4695% | 4,894 |
| Total domestic deposits to total assets | 90.8617% | 489 |
| Equity capital to assets | 8.5382% | 6,261 |
| Core capital (leverage) ratio | 7.8592% | 6,521 |
| Tier 1 risk-based capital ratio | 13.0727% | 5,042 |
| Total risk-based capital ratio | 14.3146% | 5,020 |
| Memoranda: | ||
| Average total assets | $255,496,250 | 2,477 |
| Average earning assets | $229,599,250 | 2,517 |
| Average equity | $21,347,750 | 2,964 |
| Average total loans | $166,824,500 | 2,421 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6114% | 1,055 |
| Cost of funding earning assets | 1.2726% | 2,102 |
| Net interest margin | 4.3387% | 1,541 |
| Noninterest income to average assets | 1.1507% | 971 |
| Noninterest expense to average assets | 3.6888% | 1,551 |
| Loan and lease loss provision to assets | 0.5613% | 1,722 |
| Net operating income to assets | 0.6444% | 3,826 |
| Return on assets (ROA) | 0.6463% | 3,943 |
| Pretax return on assets | 0.7907% | 4,068 |
| Return on Equity (ROE) | 7.7980% | 3,044 |
| Retained earnings to average equity (ytd only) | 4.6536% | 3,219 |
| Net charge-offs to loans | 0.2756% | 3,509 |
| Credit loss provision to net charge-offs | 307.0175% | 989 |
| Earnings coverage of net charge-offs (x) | 7.3816% | 2,232 |
| Efficiency ratio | 72.8792% | 3,567 |
| Assets per employee ($millions) | 2.9519% | 6,187 |
| Cash dividends to net income (ytd only)* | 40.3226% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3400% | 4,872 |
| Loan loss allowance to noncurrent loans | 327.9476% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.3403% | 6,279 |
| Noncurrent loans to loans | 0.4086% | 6,086 |
| Net loans and leases to total assets | 63.1396% | 3,651 |
| Net loans and leases to deposits | 69.2071% | 4,538 |
| Net loans and leases to core deposits | 72.1382% | 4,800 |
| Total domestic deposits to total assets | 91.2329% | 416 |
| Equity capital to assets | 8.3674% | 6,343 |
| Core capital (leverage) ratio | 8.2728% | 5,911 |
| Tier 1 risk-based capital ratio | 13.5525% | 4,486 |
| Total risk-based capital ratio | 14.8044% | 4,470 |
| Memoranda: | ||
| Average total assets | $249,404,670 | 2,557 |
| Average earning assets | $223,474,670 | 2,604 |
| Average equity | $20,672,000 | 3,040 |
| Average total loans | $165,456,000 | 2,462 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6673% | 945 |
| Cost of funding earning assets | 1.3393% | 1,957 |
| Net interest margin | 4.3280% | 1,474 |
| Noninterest income to average assets | 1.1370% | 1,011 |
| Noninterest expense to average assets | 3.6730% | 1,592 |
| Loan and lease loss provision to assets | 0.5355% | 1,623 |
| Net operating income to assets | 0.6641% | 3,689 |
| Return on assets (ROA) | 0.6641% | 3,763 |
| Pretax return on assets | 0.8157% | 3,845 |
| Return on Equity (ROE) | 8.0534% | 2,886 |
| Retained earnings to average equity (ytd only) | 6.5546% | 2,349 |
| Net charge-offs to loans | 0.2389% | 3,121 |
| Credit loss provision to net charge-offs | 331.6327% | 984 |
| Earnings coverage of net charge-offs (x) | 8.3673% | 1,831 |
| Efficiency ratio | 72.7452% | 3,723 |
| Assets per employee ($millions) | 2.9139% | 6,318 |
| Cash dividends to net income (ytd only)* | 18.6104% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 5,485 |
| Loan loss allowance to noncurrent loans | 156.9977% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.6030% | 5,766 |
| Noncurrent loans to loans | 0.7830% | 5,471 |
| Net loans and leases to total assets | 65.9175% | 3,033 |
| Net loans and leases to deposits | 72.2781% | 4,029 |
| Net loans and leases to core deposits | 75.7399% | 4,333 |
| Total domestic deposits to total assets | 91.1998% | 532 |
| Equity capital to assets | 8.2895% | 6,174 |
| Core capital (leverage) ratio | 8.1126% | 6,110 |
| Tier 1 risk-based capital ratio | 13.5332% | 4,403 |
| Total risk-based capital ratio | 14.7679% | 4,382 |
| Memoranda: | ||
| Average total assets | $242,746,500 | 2,639 |
| Average earning assets | $218,023,000 | 2,688 |
| Average equity | $20,016,500 | 3,113 |
| Average total loans | $164,117,000 | 2,505 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7492% | 1,408 |
| Cost of funding earning assets | 1.7162% | 1,523 |
| Net interest margin | 4.0330% | 2,876 |
| Noninterest income to average assets | 1.1744% | 1,072 |
| Noninterest expense to average assets | 3.6981% | 1,701 |
| Loan and lease loss provision to assets | 0.4682% | 3,326 |
| Net operating income to assets | 0.5363% | 3,942 |
| Return on assets (ROA) | 0.5363% | 4,094 |
| Pretax return on assets | 0.6300% | 4,231 |
| Return on Equity (ROE) | 6.3977% | 3,397 |
| Retained earnings to average equity (ytd only) | 4.1128% | 2,973 |
| Net charge-offs to loans | 0.3796% | 4,142 |
| Credit loss provision to net charge-offs | 183.3333% | 1,794 |
| Earnings coverage of net charge-offs (x) | 4.3000% | 2,980 |
| Efficiency ratio | 76.7306% | 2,923 |
| Assets per employee ($millions) | 2.9003% | 6,325 |
| Cash dividends to net income (ytd only)* | 35.7143% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 6,026 |
| Loan loss allowance to noncurrent loans | 160.5951% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.5675% | 5,893 |
| Noncurrent loans to loans | 0.6726% | 5,702 |
| Net loans and leases to total assets | 67.7537% | 3,039 |
| Net loans and leases to deposits | 74.4273% | 4,129 |
| Net loans and leases to core deposits | 79.7812% | 4,242 |
| Total domestic deposits to total assets | 91.0333% | 586 |
| Equity capital to assets | 8.2015% | 6,261 |
| Core capital (leverage) ratio | 7.7523% | 6,493 |
| Tier 1 risk-based capital ratio | 13.3037% | 4,370 |
| Total risk-based capital ratio | 14.4962% | 4,366 |
| Memoranda: | ||
| Average total assets | $234,932,000 | 2,689 |
| Average earning assets | $210,984,400 | 2,744 |
| Average equity | $19,694,600 | 3,188 |
| Average total loans | $158,071,800 | 2,642 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7176% | 1,654 |
| Cost of funding earning assets | 1.7565% | 1,604 |
| Net interest margin | 3.9611% | 3,287 |
| Noninterest income to average assets | 1.1027% | 1,163 |
| Noninterest expense to average assets | 3.5610% | 1,878 |
| Loan and lease loss provision to assets | 0.4283% | 3,342 |
| Net operating income to assets | 0.5681% | 4,013 |
| Return on assets (ROA) | 0.5739% | 4,154 |
| Pretax return on assets | 0.6744% | 4,327 |
| Return on Equity (ROE) | 6.8079% | 3,426 |
| Retained earnings to average equity (ytd only) | 4.2676% | 3,489 |
| Net charge-offs to loans | 0.2439% | 4,477 |
| Credit loss provision to net charge-offs | 262.2378% | 1,260 |
| Earnings coverage of net charge-offs (x) | 6.7098% | 2,469 |
| Efficiency ratio | 76.0760% | 2,939 |
| Assets per employee ($millions) | 3.1422% | 5,823 |
| Cash dividends to net income (ytd only)* | 37.3135% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0578% | 6,126 |
| Loan loss allowance to noncurrent loans | 127.4653% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.6877% | 5,744 |
| Noncurrent loans to loans | 0.8298% | 5,559 |
| Net loans and leases to total assets | 65.7544% | 3,743 |
| Net loans and leases to deposits | 74.6067% | 4,417 |
| Net loans and leases to core deposits | 79.3314% | 4,611 |
| Total domestic deposits to total assets | 88.1347% | 1,876 |
| Equity capital to assets | 8.5427% | 6,228 |
| Core capital (leverage) ratio | 7.6872% | 6,685 |
| Tier 1 risk-based capital ratio | 12.8533% | 4,688 |
| Total risk-based capital ratio | 14.0331% | 4,720 |
| Memoranda: | ||
| Average total assets | $233,483,750 | 2,736 |
| Average earning assets | $209,501,250 | 2,798 |
| Average equity | $19,682,500 | 3,230 |
| Average total loans | $156,369,500 | 2,706 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8545% | 1,297 |
| Cost of funding earning assets | 1.7888% | 1,688 |
| Net interest margin | 4.0657% | 2,719 |
| Noninterest income to average assets | 1.0955% | 1,105 |
| Noninterest expense to average assets | 3.7713% | 1,408 |
| Loan and lease loss provision to assets | 0.4594% | 3,018 |
| Net operating income to assets | 0.4631% | 4,494 |
| Return on assets (ROA) | 0.4725% | 4,608 |
| Pretax return on assets | 0.5268% | 4,824 |
| Return on Equity (ROE) | 5.6324% | 3,975 |
| Retained earnings to average equity (ytd only) | 2.5033% | 4,563 |
| Net charge-offs to loans | 0.3075% | 3,777 |
| Credit loss provision to net charge-offs | 222.4576% | 1,749 |
| Earnings coverage of net charge-offs (x) | 4.7246% | 2,865 |
| Efficiency ratio | 79.4470% | 2,514 |
| Assets per employee ($millions) | 2.9009% | 6,355 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0111% | 6,352 |
| Loan loss allowance to noncurrent loans | 172.9075% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.5325% | 6,141 |
| Noncurrent loans to loans | 0.5847% | 6,080 |
| Net loans and leases to total assets | 63.8419% | 4,297 |
| Net loans and leases to deposits | 72.2945% | 4,947 |
| Net loans and leases to core deposits | 77.3528% | 5,045 |
| Total domestic deposits to total assets | 88.3081% | 1,824 |
| Equity capital to assets | 8.4748% | 6,193 |
| Core capital (leverage) ratio | 7.8977% | 6,385 |
| Tier 1 risk-based capital ratio | 11.3901% | 5,877 |
| Total risk-based capital ratio | 12.3508% | 6,121 |
| Memoranda: | ||
| Average total assets | $228,566,330 | 2,831 |
| Average earning assets | $205,279,330 | 2,874 |
| Average equity | $19,174,670 | 3,282 |
| Average total loans | $153,502,330 | 2,780 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9481% | 1,081 |
| Cost of funding earning assets | 1.8120% | 1,828 |
| Net interest margin | 4.1360% | 2,293 |
| Noninterest income to average assets | 1.0573% | 1,138 |
| Noninterest expense to average assets | 3.7310% | 1,455 |
| Loan and lease loss provision to assets | 0.6743% | 1,883 |
| Net operating income to assets | 0.3722% | 4,967 |
| Return on assets (ROA) | 0.3758% | 5,073 |
| Pretax return on assets | 0.3740% | 5,365 |
| Return on Equity (ROE) | 4.5044% | 4,657 |
| Retained earnings to average equity (ytd only) | 3.4268% | 4,102 |
| Net charge-offs to loans | 0.1599% | 3,966 |
| Credit loss provision to net charge-offs | 614.7541% | 710 |
| Earnings coverage of net charge-offs (x) | 9.5246% | 1,841 |
| Efficiency ratio | 78.1250% | 2,872 |
| Assets per employee ($millions) | 2.8063% | 6,634 |
| Cash dividends to net income (ytd only)* | 23.9234% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0359% | 6,301 |
| Loan loss allowance to noncurrent loans | 111.0724% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.6920% | 5,790 |
| Noncurrent loans to loans | 0.9326% | 5,456 |
| Net loans and leases to total assets | 67.0374% | 3,622 |
| Net loans and leases to deposits | 76.0376% | 4,408 |
| Net loans and leases to core deposits | 83.3392% | 4,290 |
| Total domestic deposits to total assets | 88.1634% | 1,965 |
| Equity capital to assets | 8.2631% | 6,348 |
| Core capital (leverage) ratio | 7.8044% | 6,498 |
| Tier 1 risk-based capital ratio | 11.8600% | 5,336 |
| Total risk-based capital ratio | 12.9549% | 5,440 |
| Memoranda: | ||
| Average total assets | $222,463,000 | 2,958 |
| Average earning assets | $199,998,000 | 2,998 |
| Average equity | $18,559,500 | 3,386 |
| Average total loans | $152,611,500 | 2,850 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0008% | 1,867 |
| Cost of funding earning assets | 2.2725% | 1,760 |
| Net interest margin | 3.7283% | 4,009 |
| Noninterest income to average assets | 1.0538% | 1,397 |
| Noninterest expense to average assets | 3.5625% | 2,238 |
| Loan and lease loss provision to assets | 0.4015% | 4,405 |
| Net operating income to assets | 0.4230% | 4,038 |
| Return on assets (ROA) | 0.5007% | 3,820 |
| Pretax return on assets | 0.5257% | 4,120 |
| Return on Equity (ROE) | 5.7942% | 3,298 |
| Retained earnings to average equity (ytd only) | 2.0430% | 3,677 |
| Net charge-offs to loans | 0.4514% | 3,976 |
| Credit loss provision to net charge-offs | 125.9781% | 4,144 |
| Earnings coverage of net charge-offs (x) | 2.6526% | 3,790 |
| Efficiency ratio | 80.8215% | 2,771 |
| Assets per employee ($millions) | 2.8633% | 6,532 |
| Cash dividends to net income (ytd only)* | 64.7410% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8470% | 6,991 |
| Loan loss allowance to noncurrent loans | 136.5672% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.5188% | 6,157 |
| Noncurrent loans to loans | 0.6202% | 6,004 |
| Net loans and leases to total assets | 68.9124% | 3,513 |
| Net loans and leases to deposits | 78.7517% | 4,220 |
| Net loans and leases to core deposits | 101.8003% | 3,820 |
| Total domestic deposits to total assets | 87.5059% | 2,215 |
| Equity capital to assets | 8.4259% | 6,016 |
| Core capital (leverage) ratio | 7.9428% | 6,270 |
| Tier 1 risk-based capital ratio | 12.0436% | 4,914 |
| Total risk-based capital ratio | 12.9452% | 5,161 |
| Memoranda: | ||
| Average total assets | $200,503,400 | 3,176 |
| Average earning assets | $180,375,400 | 3,213 |
| Average equity | $17,327,800 | 3,608 |
| Average total loans | $141,567,200 | 3,051 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3246% | 1,082 |
| Cost of funding earning assets | 2.3599% | 1,767 |
| Net interest margin | 3.9647% | 2,968 |
| Noninterest income to average assets | 1.0906% | 1,342 |
| Noninterest expense to average assets | 3.8139% | 1,568 |
| Loan and lease loss provision to assets | 0.3058% | 4,525 |
| Net operating income to assets | 0.4968% | 3,999 |
| Return on assets (ROA) | 0.4981% | 4,087 |
| Pretax return on assets | 0.5429% | 4,389 |
| Return on Equity (ROE) | 5.7234% | 3,642 |
| Retained earnings to average equity (ytd only) | 5.7234% | 2,091 |
| Net charge-offs to loans | 0.2903% | 4,219 |
| Credit loss provision to net charge-offs | 148.5149% | 3,249 |
| Earnings coverage of net charge-offs (x) | 4.1155% | 3,255 |
| Efficiency ratio | 81.8222% | 2,603 |
| Assets per employee ($millions) | 2.7736% | 6,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8538% | 6,939 |
| Loan loss allowance to noncurrent loans | 125.5721% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.5792% | 6,006 |
| Noncurrent loans to loans | 0.6799% | 5,939 |
| Net loans and leases to total assets | 67.7411% | 4,014 |
| Net loans and leases to deposits | 77.8158% | 4,763 |
| Net loans and leases to core deposits | 101.7814% | 4,177 |
| Total domestic deposits to total assets | 87.0531% | 2,152 |
| Equity capital to assets | 8.7932% | 5,807 |
| Core capital (leverage) ratio | 8.2989% | 5,837 |
| Tier 1 risk-based capital ratio | 12.3980% | 4,631 |
| Total risk-based capital ratio | 13.3139% | 4,858 |
| Memoranda: | ||
| Average total assets | $196,225,750 | 3,245 |
| Average earning assets | $176,723,000 | 3,279 |
| Average equity | $17,075,750 | 3,685 |
| Average total loans | $139,148,000 | 3,135 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4214% | 962 |
| Cost of funding earning assets | 2.4750% | 1,699 |
| Net interest margin | 3.9464% | 2,903 |
| Noninterest income to average assets | 1.0373% | 1,476 |
| Noninterest expense to average assets | 3.9320% | 1,428 |
| Loan and lease loss provision to assets | 0.2374% | 4,687 |
| Net operating income to assets | 0.4242% | 4,405 |
| Return on assets (ROA) | 0.4242% | 4,516 |
| Pretax return on assets | 0.4200% | 4,879 |
| Return on Equity (ROE) | 4.8945% | 4,125 |
| Retained earnings to average equity (ytd only) | 4.8945% | 2,567 |
| Net charge-offs to loans | 0.1350% | 4,815 |
| Credit loss provision to net charge-offs | 244.5652% | 1,901 |
| Earnings coverage of net charge-offs (x) | 6.7717% | 2,550 |
| Efficiency ratio | 85.6749% | 2,257 |
| Assets per employee ($millions) | 2.6096% | 7,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8738% | 6,884 |
| Loan loss allowance to noncurrent loans | 74.9550% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 0.9665% | 5,044 |
| Noncurrent loans to loans | 1.1657% | 4,886 |
| Net loans and leases to total assets | 70.4614% | 3,591 |
| Net loans and leases to deposits | 81.9403% | 4,234 |
| Net loans and leases to core deposits | 109.1140% | 3,480 |
| Total domestic deposits to total assets | 85.9911% | 2,799 |
| Equity capital to assets | 8.3280% | 6,296 |
| Core capital (leverage) ratio | 7.7693% | 6,650 |
| Tier 1 risk-based capital ratio | 11.1479% | 5,733 |
| Total risk-based capital ratio | 12.0645% | 6,000 |
| Memoranda: | ||
| Average total assets | $189,522,000 | 3,340 |
| Average earning assets | $170,587,000 | 3,385 |
| Average equity | $16,426,670 | 3,832 |
| Average total loans | $136,260,330 | 3,225 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3889% | 1,089 |
| Cost of funding earning assets | 2.5594% | 1,705 |
| Net interest margin | 3.8295% | 3,341 |
| Noninterest income to average assets | 0.9901% | 1,513 |
| Noninterest expense to average assets | 3.7538% | 1,556 |
| Loan and lease loss provision to assets | 0.1850% | 4,590 |
| Net operating income to assets | 0.4374% | 4,712 |
| Return on assets (ROA) | 0.4374% | 4,886 |
| Pretax return on assets | 0.4962% | 5,090 |
| Return on Equity (ROE) | 4.9407% | 4,498 |
| Retained earnings to average equity (ytd only) | 4.9407% | 3,164 |
| Net charge-offs to loans | 0.1354% | 3,876 |
| Credit loss provision to net charge-offs | 188.8889% | 2,324 |
| Earnings coverage of net charge-offs (x) | 6.9556% | 2,408 |
| Efficiency ratio | 84.6418% | 2,233 |
| Assets per employee ($millions) | 2.4701% | 7,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8512% | 6,961 |
| Loan loss allowance to noncurrent loans | 89.9533% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 0.7949% | 5,189 |
| Noncurrent loans to loans | 0.9463% | 5,107 |
| Net loans and leases to total assets | 70.7346% | 3,531 |
| Net loans and leases to deposits | 82.9330% | 4,139 |
| Net loans and leases to core deposits | 110.4400% | 3,375 |
| Total domestic deposits to total assets | 85.2913% | 3,066 |
| Equity capital to assets | 8.5878% | 5,935 |
| Core capital (leverage) ratio | 7.8575% | 6,678 |
| Tier 1 risk-based capital ratio | 11.3304% | 5,568 |
| Total risk-based capital ratio | 12.2366% | 5,815 |
| Memoranda: | ||
| Average total assets | $183,814,500 | 3,448 |
| Average earning assets | $165,348,500 | 3,485 |
| Average equity | $16,273,000 | 3,890 |
| Average total loans | $132,975,000 | 3,304 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8798% | 1,465 |
| Cost of funding earning assets | 3.0360% | 1,727 |
| Net interest margin | 3.8438% | 3,825 |
| Noninterest income to average assets | 1.2809% | 898 |
| Noninterest expense to average assets | 4.0587% | 1,333 |
| Loan and lease loss provision to assets | 0.1974% | 4,910 |
| Net operating income to assets | 0.3437% | 5,381 |
| Return on assets (ROA) | 0.3893% | 5,008 |
| Pretax return on assets | 0.5072% | 4,951 |
| Return on Equity (ROE) | 4.2382% | 4,715 |
| Retained earnings to average equity (ytd only) | 1.3836% | 4,390 |
| Net charge-offs to loans | 0.2211% | 4,017 |
| Credit loss provision to net charge-offs | 125.9843% | 4,239 |
| Earnings coverage of net charge-offs (x) | 4.1181% | 4,098 |
| Efficiency ratio | 86.2802% | 1,826 |
| Assets per employee ($millions) | 2.4643% | 7,270 |
| Cash dividends to net income (ytd only)* | 67.3534% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8560% | 6,869 |
| Loan loss allowance to noncurrent loans | 68.1124% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 1.0534% | 4,183 |
| Noncurrent loans to loans | 1.2567% | 3,999 |
| Net loans and leases to total assets | 72.7856% | 3,416 |
| Net loans and leases to deposits | 89.2962% | 3,578 |
| Net loans and leases to core deposits | 116.8886% | 3,014 |
| Total domestic deposits to total assets | 81.5102% | 4,402 |
| Equity capital to assets | 9.1372% | 5,168 |
| Core capital (leverage) ratio | 8.4532% | 5,648 |
| Tier 1 risk-based capital ratio | 12.2075% | 4,661 |
| Total risk-based capital ratio | 13.1590% | 4,796 |
| Memoranda: | ||
| Average total assets | $162,070,800 | 3,685 |
| Average earning assets | $144,334,600 | 3,749 |
| Average equity | $14,888,400 | 4,162 |
| Average total loans | $114,904,400 | 3,563 |