Home > The Neffs National Bank > Performance and Condition Ratios
The Neffs National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5930% | 4,354 |
| Cost of funding earning assets | 1.2295% | 2,730 |
| Net interest margin | 2.3636% | 4,214 |
| Noninterest income to average assets | 0.0700% | 4,379 |
| Noninterest expense to average assets | 1.6446% | 4,197 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.6527% | 3,306 |
| Return on assets (ROA) | 0.6527% | 3,285 |
| Pretax return on assets | 0.6941% | 3,451 |
| Return on Equity (ROE) | 4.4700% | 3,821 |
| Retained earnings to average equity (ytd only) | 0.5338% | 3,949 |
| Net charge-offs to loans | 0.0161% | 2,060 |
| Credit loss provision to net charge-offs | 152.6316% | 1,456 |
| Earnings coverage of net charge-offs (x) | 85.7368% | 980 |
| Efficiency ratio | 69.9446% | 1,886 |
| Assets per employee ($millions) | 8.9301% | 1,009 |
| Cash dividends to net income (ytd only)* | 88.0691% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9711% | 3,452 |
| Loan loss allowance to noncurrent loans | 1,407.4534% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.0373% | 3,376 |
| Noncurrent loans to loans | 0.0690% | 3,218 |
| Net loans and leases to total assets | 50.7400% | 3,548 |
| Net loans and leases to deposits | 61.8906% | 3,412 |
| Net loans and leases to core deposits | 66.1194% | 3,493 |
| Total domestic deposits to total assets | 81.9800% | 3,128 |
| Equity capital to assets | 15.1009% | 544 |
| Core capital (leverage) ratio | 17.0425% | 400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $461,019,200 | 1,821 |
| Average earning assets | $445,472,000 | 1,761 |
| Average equity | $67,258,600 | 1,288 |
| Average total loans | $236,387,000 | 2,075 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5532% | 4,348 |
| Cost of funding earning assets | 1.1425% | 2,612 |
| Net interest margin | 2.4107% | 4,219 |
| Noninterest income to average assets | 0.0700% | 4,402 |
| Noninterest expense to average assets | 1.6573% | 4,178 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.6672% | 3,395 |
| Return on assets (ROA) | 0.6672% | 3,381 |
| Pretax return on assets | 0.7116% | 3,529 |
| Return on Equity (ROE) | 4.6100% | 3,880 |
| Retained earnings to average equity (ytd only) | -0.5702% | 4,220 |
| Net charge-offs to loans | 0.0186% | 1,757 |
| Credit loss provision to net charge-offs | 260.6061% | 966 |
| Earnings coverage of net charge-offs (x) | 77.3939% | 1,064 |
| Efficiency ratio | 69.2363% | 1,874 |
| Assets per employee ($millions) | 9.2070% | 867 |
| Cash dividends to net income (ytd only)* | 112.3596% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9681% | 3,507 |
| Loan loss allowance to noncurrent loans | 1,384.9398% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.0402% | 3,395 |
| Noncurrent loans to loans | 0.0699% | 3,256 |
| Net loans and leases to total assets | 51.0900% | 3,550 |
| Net loans and leases to deposits | 63.0448% | 3,324 |
| Net loans and leases to core deposits | 67.0548% | 3,377 |
| Total domestic deposits to total assets | 81.0400% | 3,378 |
| Equity capital to assets | 14.0533% | 643 |
| Core capital (leverage) ratio | 16.6657% | 434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $462,414,750 | 1,818 |
| Average earning assets | $446,386,750 | 1,762 |
| Average equity | $66,879,500 | 1,284 |
| Average total loans | $237,147,750 | 2,068 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5032% | 4,340 |
| Cost of funding earning assets | 1.0221% | 2,524 |
| Net interest margin | 2.4811% | 4,227 |
| Noninterest income to average assets | 0.0700% | 4,429 |
| Noninterest expense to average assets | 1.6769% | 4,177 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.7208% | 3,297 |
| Return on assets (ROA) | 0.7208% | 3,296 |
| Pretax return on assets | 0.7782% | 3,447 |
| Return on Equity (ROE) | 4.9400% | 3,882 |
| Retained earnings to average equity (ytd only) | -0.2396% | 4,133 |
| Net charge-offs to loans | 0.0152% | 1,631 |
| Credit loss provision to net charge-offs | 238.8889% | 978 |
| Earnings coverage of net charge-offs (x) | 102.5000% | 920 |
| Efficiency ratio | 67.7898% | 2,005 |
| Assets per employee ($millions) | 9.0486% | 898 |
| Cash dividends to net income (ytd only)* | 104.8532% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9602% | 3,570 |
| Loan loss allowance to noncurrent loans | 1,312.7168% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.0436% | 3,341 |
| Noncurrent loans to loans | 0.0731% | 3,170 |
| Net loans and leases to total assets | 50.7600% | 3,506 |
| Net loans and leases to deposits | 63.6295% | 3,220 |
| Net loans and leases to core deposits | 66.0288% | 3,350 |
| Total domestic deposits to total assets | 79.7700% | 3,610 |
| Equity capital to assets | 14.6385% | 561 |
| Core capital (leverage) ratio | 16.6839% | 414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $463,103,333 | 1,820 |
| Average earning assets | $448,100,333 | 1,764 |
| Average equity | $67,608,000 | 1,270 |
| Average total loans | $237,035,333 | 2,069 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4485% | 4,326 |
| Cost of funding earning assets | 0.8897% | 2,403 |
| Net interest margin | 2.5588% | 4,248 |
| Noninterest income to average assets | 0.0700% | 4,475 |
| Noninterest expense to average assets | 1.7469% | 4,123 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.7312% | 3,394 |
| Return on assets (ROA) | 0.7312% | 3,355 |
| Pretax return on assets | 0.7889% | 3,488 |
| Return on Equity (ROE) | 5.0200% | 3,885 |
| Retained earnings to average equity (ytd only) | -1.0823% | 4,132 |
| Net charge-offs to loans | 0.0118% | 1,505 |
| Credit loss provision to net charge-offs | 171.4286% | 895 |
| Earnings coverage of net charge-offs (x) | 132.4286% | 656 |
| Efficiency ratio | 68.6082% | 1,904 |
| Assets per employee ($millions) | 9.0191% | 923 |
| Cash dividends to net income (ytd only)* | 121.5802% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9487% | 3,719 |
| Loan loss allowance to noncurrent loans | 4,247.1698% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 3,614 |
| Noncurrent loans to loans | 0.0223% | 3,615 |
| Net loans and leases to total assets | 51.0900% | 3,413 |
| Net loans and leases to deposits | 63.2159% | 3,150 |
| Net loans and leases to core deposits | 65.1897% | 3,276 |
| Total domestic deposits to total assets | 80.8200% | 3,662 |
| Equity capital to assets | 14.7893% | 501 |
| Core capital (leverage) ratio | 16.6224% | 417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $463,914,500 | 1,840 |
| Average earning assets | $449,120,000 | 1,778 |
| Average equity | $67,635,000 | 1,279 |
| Average total loans | $237,298,500 | 2,083 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1875% | 3,833 |
| Cost of funding earning assets | 0.4281% | 1,877 |
| Net interest margin | 2.7594% | 3,961 |
| Noninterest income to average assets | 0.0800% | 4,504 |
| Noninterest expense to average assets | 1.6228% | 4,276 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9951% | 2,583 |
| Return on assets (ROA) | 0.9951% | 2,535 |
| Pretax return on assets | 1.1254% | 2,690 |
| Return on Equity (ROE) | 6.6600% | 3,700 |
| Retained earnings to average equity (ytd only) | 3.0431% | 3,706 |
| Net charge-offs to loans | -0.0027% | 3,506 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.0484% | 3,180 |
| Assets per employee ($millions) | 9.1736% | 859 |
| Cash dividends to net income (ytd only)* | 54.3006% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9463% | 3,612 |
| Loan loss allowance to noncurrent loans | 3,940.3509% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0220% | 3,624 |
| Noncurrent loans to loans | 0.0240% | 3,624 |
| Net loans and leases to total assets | 50.2500% | 3,487 |
| Net loans and leases to deposits | 63.2537% | 3,098 |
| Net loans and leases to core deposits | 65.0208% | 3,195 |
| Total domestic deposits to total assets | 79.4400% | 3,949 |
| Equity capital to assets | 14.3726% | 537 |
| Core capital (leverage) ratio | 16.6427% | 405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $462,663,200 | 1,826 |
| Average earning assets | $447,345,400 | 1,766 |
| Average equity | $69,140,400 | 1,264 |
| Average total loans | $222,069,200 | 2,097 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1175% | 3,637 |
| Cost of funding earning assets | 0.3753% | 1,478 |
| Net interest margin | 2.7422% | 3,848 |
| Noninterest income to average assets | 0.0800% | 4,530 |
| Noninterest expense to average assets | 1.6429% | 4,252 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9687% | 2,600 |
| Return on assets (ROA) | 0.9687% | 2,570 |
| Pretax return on assets | 1.0941% | 2,743 |
| Return on Equity (ROE) | 6.4200% | 3,704 |
| Retained earnings to average equity (ytd only) | 1.9689% | 4,041 |
| Net charge-offs to loans | -0.0024% | 3,309 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.0253% | 3,110 |
| Assets per employee ($millions) | 9.1410% | 847 |
| Cash dividends to net income (ytd only)* | 69.3317% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9578% | 3,659 |
| Loan loss allowance to noncurrent loans | 3,678.6885% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.0232% | 3,714 |
| Noncurrent loans to loans | 0.0260% | 3,715 |
| Net loans and leases to total assets | 49.7700% | 3,479 |
| Net loans and leases to deposits | 59.0007% | 3,281 |
| Net loans and leases to core deposits | 60.9333% | 3,312 |
| Total domestic deposits to total assets | 84.3600% | 3,412 |
| Equity capital to assets | 14.0326% | 565 |
| Core capital (leverage) ratio | 16.3485% | 413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $461,365,000 | 1,832 |
| Average earning assets | $446,581,000 | 1,778 |
| Average equity | $69,614,750 | 1,269 |
| Average total loans | $218,253,000 | 2,121 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0376% | 3,458 |
| Cost of funding earning assets | 0.3708% | 1,108 |
| Net interest margin | 2.6668% | 3,778 |
| Noninterest income to average assets | 0.0953% | 4,503 |
| Noninterest expense to average assets | 1.6417% | 4,234 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9179% | 2,505 |
| Return on assets (ROA) | 0.9179% | 2,472 |
| Pretax return on assets | 1.0345% | 2,625 |
| Return on Equity (ROE) | 5.9425% | 3,585 |
| Retained earnings to average equity (ytd only) | 1.2955% | 3,926 |
| Net charge-offs to loans | -0.0028% | 3,190 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3459% | 3,133 |
| Assets per employee ($millions) | 9.1364% | 843 |
| Cash dividends to net income (ytd only)* | 78.1991% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0335% | 3,453 |
| Loan loss allowance to noncurrent loans | 3,398.4848% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 3,744 |
| Noncurrent loans to loans | 0.0304% | 3,728 |
| Net loans and leases to total assets | 47.0182% | 3,627 |
| Net loans and leases to deposits | 56.2764% | 3,355 |
| Net loans and leases to core deposits | 58.2471% | 3,411 |
| Total domestic deposits to total assets | 83.5487% | 3,783 |
| Equity capital to assets | 14.9501% | 408 |
| Core capital (leverage) ratio | 16.3167% | 362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $459,756,000 | 1,846 |
| Average earning assets | $444,954,000 | 1,803 |
| Average equity | $71,013,333 | 1,280 |
| Average total loans | $212,910,667 | 2,154 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9333% | 3,443 |
| Cost of funding earning assets | 0.3822% | 974 |
| Net interest margin | 2.5511% | 3,784 |
| Noninterest income to average assets | 0.0564% | 4,644 |
| Noninterest expense to average assets | 1.6010% | 4,298 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8317% | 2,551 |
| Return on assets (ROA) | 0.8317% | 2,546 |
| Pretax return on assets | 0.9271% | 2,673 |
| Return on Equity (ROE) | 5.3004% | 3,541 |
| Retained earnings to average equity (ytd only) | -1.1938% | 4,158 |
| Net charge-offs to loans | -0.0038% | 3,261 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3276% | 3,099 |
| Assets per employee ($millions) | 9.3890% | 799 |
| Cash dividends to net income (ytd only)* | 122.5235% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0518% | 3,526 |
| Loan loss allowance to noncurrent loans | 2,436.9565% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.0487% | 3,554 |
| Noncurrent loans to loans | 0.0432% | 3,671 |
| Net loans and leases to total assets | 45.8476% | 3,595 |
| Net loans and leases to deposits | 55.6326% | 3,296 |
| Net loans and leases to core deposits | 57.7427% | 3,318 |
| Total domestic deposits to total assets | 82.4114% | 4,029 |
| Equity capital to assets | 15.2998% | 369 |
| Core capital (leverage) ratio | 16.1104% | 336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $461,223,500 | 1,857 |
| Average earning assets | $446,868,500 | 1,802 |
| Average equity | $72,372,500 | 1,298 |
| Average total loans | $210,850,000 | 2,167 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0817% | 3,721 |
| Cost of funding earning assets | 0.4980% | 940 |
| Net interest margin | 2.5837% | 4,071 |
| Noninterest income to average assets | 0.0547% | 4,714 |
| Noninterest expense to average assets | 1.5123% | 4,531 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9276% | 2,951 |
| Return on assets (ROA) | 0.9276% | 3,013 |
| Pretax return on assets | 1.0384% | 3,158 |
| Return on Equity (ROE) | 5.6150% | 3,859 |
| Retained earnings to average equity (ytd only) | 3.4439% | 3,436 |
| Net charge-offs to loans | 0.0087% | 2,255 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 257.3333% | 453 |
| Efficiency ratio | 59.2899% | 3,258 |
| Assets per employee ($millions) | 9.8380% | 698 |
| Cash dividends to net income (ytd only)* | 38.6660% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0742% | 3,461 |
| Loan loss allowance to noncurrent loans | 412.5230% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.1269% | 3,047 |
| Noncurrent loans to loans | 0.2604% | 2,676 |
| Net loans and leases to total assets | 44.6145% | 3,788 |
| Net loans and leases to deposits | 54.5688% | 3,553 |
| Net loans and leases to core deposits | 56.7469% | 3,565 |
| Total domestic deposits to total assets | 81.7582% | 4,000 |
| Equity capital to assets | 16.0811% | 374 |
| Core capital (leverage) ratio | 16.1019% | 351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $446,077,000 | 1,850 |
| Average earning assets | $430,925,800 | 1,800 |
| Average equity | $73,695,200 | 1,291 |
| Average total loans | $207,841,600 | 2,188 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1237% | 3,760 |
| Cost of funding earning assets | 0.5215% | 945 |
| Net interest margin | 2.6022% | 4,129 |
| Noninterest income to average assets | 0.0564% | 4,789 |
| Noninterest expense to average assets | 1.5321% | 4,558 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9288% | 3,154 |
| Return on assets (ROA) | 0.9288% | 3,230 |
| Pretax return on assets | 1.0380% | 3,356 |
| Return on Equity (ROE) | 5.5831% | 4,002 |
| Retained earnings to average equity (ytd only) | 3.1660% | 3,846 |
| Net charge-offs to loans | 0.0122% | 1,877 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 181.1053% | 597 |
| Efficiency ratio | 59.6127% | 3,045 |
| Assets per employee ($millions) | 9.8191% | 672 |
| Cash dividends to net income (ytd only)* | 43.2933% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 3,658 |
| Loan loss allowance to noncurrent loans | 484.6320% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.1067% | 3,395 |
| Noncurrent loans to loans | 0.2168% | 3,084 |
| Net loans and leases to total assets | 44.7364% | 3,887 |
| Net loans and leases to deposits | 54.9055% | 3,663 |
| Net loans and leases to core deposits | 57.2915% | 3,677 |
| Total domestic deposits to total assets | 81.4788% | 4,017 |
| Equity capital to assets | 15.7240% | 447 |
| Core capital (leverage) ratio | 16.2263% | 374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $441,999,250 | 1,880 |
| Average earning assets | $426,956,500 | 1,831 |
| Average equity | $73,529,750 | 1,315 |
| Average total loans | $207,669,000 | 2,216 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2725% | 3,500 |
| Cost of funding earning assets | 0.5484% | 950 |
| Net interest margin | 2.7241% | 3,934 |
| Noninterest income to average assets | 0.0541% | 4,831 |
| Noninterest expense to average assets | 1.5839% | 4,529 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9819% | 2,953 |
| Return on assets (ROA) | 0.9819% | 3,044 |
| Pretax return on assets | 1.1022% | 3,209 |
| Return on Equity (ROE) | 5.7870% | 3,962 |
| Retained earnings to average equity (ytd only) | 3.9898% | 3,520 |
| Net charge-offs to loans | 0.0019% | 2,140 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 1,191.0000% | 108 |
| Efficiency ratio | 58.9664% | 3,157 |
| Assets per employee ($millions) | 9.7515% | 660 |
| Cash dividends to net income (ytd only)* | 31.0556% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0962% | 3,429 |
| Loan loss allowance to noncurrent loans | 429.7143% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.1257% | 3,396 |
| Noncurrent loans to loans | 0.2551% | 3,024 |
| Net loans and leases to total assets | 45.3779% | 3,949 |
| Net loans and leases to deposits | 56.2423% | 3,693 |
| Net loans and leases to core deposits | 59.0339% | 3,683 |
| Total domestic deposits to total assets | 80.6829% | 4,130 |
| Equity capital to assets | 16.4937% | 375 |
| Core capital (leverage) ratio | 16.5929% | 331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $432,226,000 | 1,902 |
| Average earning assets | $417,599,333 | 1,853 |
| Average equity | $73,336,333 | 1,312 |
| Average total loans | $205,862,000 | 2,236 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1348% | 3,815 |
| Cost of funding earning assets | 0.5731% | 999 |
| Net interest margin | 2.5617% | 4,218 |
| Noninterest income to average assets | 0.0528% | 4,845 |
| Noninterest expense to average assets | 1.6753% | 4,423 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7933% | 3,447 |
| Return on assets (ROA) | 0.7933% | 3,515 |
| Pretax return on assets | 0.8612% | 3,692 |
| Return on Equity (ROE) | 4.6075% | 4,170 |
| Retained earnings to average equity (ytd only) | 0.9971% | 4,217 |
| Net charge-offs to loans | 0.0058% | 1,693 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 304.3333% | 291 |
| Efficiency ratio | 66.0469% | 2,227 |
| Assets per employee ($millions) | 9.5932% | 678 |
| Cash dividends to net income (ytd only)* | 78.3591% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0938% | 3,469 |
| Loan loss allowance to noncurrent loans | 345.8589% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.1559% | 3,383 |
| Noncurrent loans to loans | 0.3162% | 2,968 |
| Net loans and leases to total assets | 46.2087% | 3,945 |
| Net loans and leases to deposits | 57.3549% | 3,688 |
| Net loans and leases to core deposits | 60.1364% | 3,690 |
| Total domestic deposits to total assets | 80.5663% | 4,132 |
| Equity capital to assets | 16.4316% | 355 |
| Core capital (leverage) ratio | 17.0591% | 308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $424,053,500 | 1,923 |
| Average earning assets | $411,130,000 | 1,869 |
| Average equity | $73,011,500 | 1,309 |
| Average total loans | $205,889,000 | 2,237 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4770% | 4,069 |
| Cost of funding earning assets | 0.7815% | 1,293 |
| Net interest margin | 2.6954% | 4,382 |
| Noninterest income to average assets | 0.0251% | 4,909 |
| Noninterest expense to average assets | 1.5751% | 4,722 |
| Loan and lease loss provision to assets | 0.0548% | 3,687 |
| Net operating income to assets | 0.9314% | 2,556 |
| Return on assets (ROA) | 0.9314% | 2,702 |
| Pretax return on assets | 1.0234% | 2,964 |
| Return on Equity (ROE) | 5.0410% | 3,892 |
| Retained earnings to average equity (ytd only) | 3.0301% | 3,333 |
| Net charge-offs to loans | 0.0005% | 3,420 |
| Credit loss provision to net charge-offs | 21,400.0000% | 42 |
| Earnings coverage of net charge-offs (x) | 4,208.0000% | 22 |
| Efficiency ratio | 59.3626% | 3,542 |
| Assets per employee ($millions) | 9.0404% | 731 |
| Cash dividends to net income (ytd only)* | 39.8900% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0982% | 3,469 |
| Loan loss allowance to noncurrent loans | 303.0872% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.1912% | 3,324 |
| Noncurrent loans to loans | 0.3623% | 2,900 |
| Net loans and leases to total assets | 49.9857% | 3,824 |
| Net loans and leases to deposits | 63.0513% | 3,517 |
| Net loans and leases to core deposits | 66.3765% | 3,511 |
| Total domestic deposits to total assets | 79.2780% | 4,169 |
| Equity capital to assets | 18.0700% | 271 |
| Core capital (leverage) ratio | 18.0520% | 258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $390,260,000 | 1,891 |
| Average earning assets | $380,531,400 | 1,833 |
| Average equity | $72,109,000 | 1,264 |
| Average total loans | $195,156,200 | 2,285 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5642% | 4,095 |
| Cost of funding earning assets | 0.8227% | 1,388 |
| Net interest margin | 2.7415% | 4,413 |
| Noninterest income to average assets | 0.0200% | 4,953 |
| Noninterest expense to average assets | 1.6834% | 4,645 |
| Loan and lease loss provision to assets | 0.0723% | 3,419 |
| Net operating income to assets | 0.8678% | 2,835 |
| Return on assets (ROA) | 0.8678% | 2,971 |
| Pretax return on assets | 0.9410% | 3,261 |
| Return on Equity (ROE) | 4.6693% | 3,976 |
| Retained earnings to average equity (ytd only) | 2.0383% | 3,921 |
| Net charge-offs to loans | 0.0042% | 3,011 |
| Credit loss provision to net charge-offs | 3,483.3333% | 310 |
| Earnings coverage of net charge-offs (x) | 489.0000% | 235 |
| Efficiency ratio | 62.4280% | 3,004 |
| Assets per employee ($millions) | 8.6034% | 815 |
| Cash dividends to net income (ytd only)* | 56.3470% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1168% | 3,119 |
| Loan loss allowance to noncurrent loans | 351.2500% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.1695% | 3,576 |
| Noncurrent loans to loans | 0.3179% | 3,144 |
| Net loans and leases to total assets | 50.2951% | 4,083 |
| Net loans and leases to deposits | 63.8341% | 3,803 |
| Net loans and leases to core deposits | 67.4493% | 3,799 |
| Total domestic deposits to total assets | 78.7903% | 4,087 |
| Equity capital to assets | 18.3137% | 283 |
| Core capital (leverage) ratio | 18.0279% | 277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $386,120,500 | 1,890 |
| Average earning assets | $376,961,750 | 1,821 |
| Average equity | $71,758,250 | 1,256 |
| Average total loans | $192,543,000 | 2,302 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6787% | 4,128 |
| Cost of funding earning assets | 0.8621% | 1,534 |
| Net interest margin | 2.8166% | 4,422 |
| Noninterest income to average assets | 0.0037% | 5,003 |
| Noninterest expense to average assets | 1.6625% | 4,719 |
| Loan and lease loss provision to assets | 0.0888% | 3,166 |
| Net operating income to assets | 0.9172% | 2,634 |
| Return on assets (ROA) | 0.9172% | 2,755 |
| Pretax return on assets | 1.0049% | 3,011 |
| Return on Equity (ROE) | 4.9106% | 3,853 |
| Retained earnings to average equity (ytd only) | 2.7909% | 3,461 |
| Net charge-offs to loans | 0.0074% | 2,688 |
| Credit loss provision to net charge-offs | 2,428.5714% | 418 |
| Earnings coverage of net charge-offs (x) | 299.1429% | 321 |
| Efficiency ratio | 60.3184% | 3,374 |
| Assets per employee ($millions) | 8.0318% | 957 |
| Cash dividends to net income (ytd only)* | 43.1663% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1391% | 2,830 |
| Loan loss allowance to noncurrent loans | 274.9689% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.2114% | 3,484 |
| Noncurrent loans to loans | 0.4143% | 2,925 |
| Net loans and leases to total assets | 48.6914% | 4,224 |
| Net loans and leases to deposits | 61.8111% | 4,015 |
| Net loans and leases to core deposits | 65.2571% | 4,009 |
| Total domestic deposits to total assets | 78.7745% | 4,069 |
| Equity capital to assets | 18.4539% | 268 |
| Core capital (leverage) ratio | 18.4211% | 270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $382,908,000 | 1,881 |
| Average earning assets | $374,212,333 | 1,807 |
| Average equity | $71,518,333 | 1,242 |
| Average total loans | $189,625,667 | 2,308 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7480% | 4,298 |
| Cost of funding earning assets | 0.9083% | 1,820 |
| Net interest margin | 2.8397% | 4,521 |
| Noninterest income to average assets | -0.0350% | 5,083 |
| Noninterest expense to average assets | 1.6600% | 4,813 |
| Loan and lease loss provision to assets | 0.0350% | 3,330 |
| Net operating income to assets | 0.9513% | 2,344 |
| Return on assets (ROA) | 0.9513% | 2,446 |
| Pretax return on assets | 1.0488% | 2,669 |
| Return on Equity (ROE) | 5.0617% | 3,605 |
| Retained earnings to average equity (ytd only) | 0.7891% | 3,791 |
| Net charge-offs to loans | -0.0085% | 4,021 |
| Credit loss provision to net charge-offs | -825.0000% | 3,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5019% | 3,675 |
| Assets per employee ($millions) | 8.0728% | 720 |
| Cash dividends to net income (ytd only)* | 84.4098% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1079% | 3,160 |
| Loan loss allowance to noncurrent loans | 236.3224% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.2396% | 3,501 |
| Noncurrent loans to loans | 0.4688% | 2,839 |
| Net loans and leases to total assets | 48.9794% | 4,289 |
| Net loans and leases to deposits | 62.7491% | 4,058 |
| Net loans and leases to core deposits | 66.4603% | 4,056 |
| Total domestic deposits to total assets | 78.0559% | 4,213 |
| Equity capital to assets | 18.8908% | 295 |
| Core capital (leverage) ratio | 18.7597% | 300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $377,582,000 | 1,860 |
| Average earning assets | $369,480,500 | 1,780 |
| Average equity | $70,964,000 | 1,248 |
| Average total loans | $187,519,500 | 2,281 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7988% | 4,567 |
| Cost of funding earning assets | 0.9454% | 1,980 |
| Net interest margin | 2.8533% | 4,708 |
| Noninterest income to average assets | 0.0484% | 5,040 |
| Noninterest expense to average assets | 1.5193% | 4,997 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1536% | 2,243 |
| Return on assets (ROA) | 1.3390% | 1,624 |
| Pretax return on assets | 1.5322% | 1,706 |
| Return on Equity (ROE) | 7.3150% | 3,439 |
| Retained earnings to average equity (ytd only) | 4.9266% | 2,458 |
| Net charge-offs to loans | -0.0011% | 4,178 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5261% | 4,468 |
| Assets per employee ($millions) | 8.9462% | 511 |
| Cash dividends to net income (ytd only)* | 32.6502% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0929% | 2,994 |
| Loan loss allowance to noncurrent loans | 263.5309% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.4011% | 2,792 |
| Noncurrent loans to loans | 0.4147% | 2,957 |
| Net loans and leases to total assets | 49.2555% | 4,358 |
| Net loans and leases to deposits | 62.8544% | 4,146 |
| Net loans and leases to core deposits | 66.6188% | 4,156 |
| Total domestic deposits to total assets | 78.3644% | 4,305 |
| Equity capital to assets | 18.6969% | 317 |
| Core capital (leverage) ratio | 18.6547% | 296 |
| Tier 1 risk-based capital ratio | 35.9625% | 310 |
| Total risk-based capital ratio | 37.0130% | 307 |
| Memoranda: | ||
| Average total assets | $371,693,400 | 1,836 |
| Average earning assets | $363,434,400 | 1,769 |
| Average equity | $68,038,200 | 1,242 |
| Average total loans | $182,321,800 | 2,293 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7872% | 4,691 |
| Cost of funding earning assets | 0.9417% | 2,030 |
| Net interest margin | 2.8455% | 4,815 |
| Noninterest income to average assets | 0.0565% | 5,101 |
| Noninterest expense to average assets | 1.5362% | 5,050 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1323% | 2,440 |
| Return on assets (ROA) | 1.3801% | 1,602 |
| Pretax return on assets | 1.5851% | 1,685 |
| Return on Equity (ROE) | 7.5808% | 3,478 |
| Retained earnings to average equity (ytd only) | 4.4019% | 3,196 |
| Net charge-offs to loans | -0.0007% | 3,985 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1593% | 4,376 |
| Assets per employee ($millions) | 8.8192% | 517 |
| Cash dividends to net income (ytd only)* | 41.9338% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1175% | 2,938 |
| Loan loss allowance to noncurrent loans | 552.4324% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.3051% | 3,327 |
| Noncurrent loans to loans | 0.2023% | 3,820 |
| Net loans and leases to total assets | 48.8295% | 4,487 |
| Net loans and leases to deposits | 61.3418% | 4,323 |
| Net loans and leases to core deposits | 64.9903% | 4,328 |
| Total domestic deposits to total assets | 79.6024% | 4,070 |
| Equity capital to assets | 18.6492% | 334 |
| Core capital (leverage) ratio | 18.4897% | 318 |
| Tier 1 risk-based capital ratio | 35.9740% | 320 |
| Total risk-based capital ratio | 37.0414% | 322 |
| Memoranda: | ||
| Average total assets | $370,681,500 | 1,859 |
| Average earning assets | $362,159,750 | 1,791 |
| Average equity | $67,484,750 | 1,250 |
| Average total loans | $181,122,750 | 2,328 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7599% | 4,759 |
| Cost of funding earning assets | 0.9324% | 1,997 |
| Net interest margin | 2.8275% | 4,897 |
| Noninterest income to average assets | 0.0507% | 5,163 |
| Noninterest expense to average assets | 1.4861% | 5,125 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1462% | 2,338 |
| Return on assets (ROA) | 1.5136% | 1,159 |
| Pretax return on assets | 1.7515% | 1,166 |
| Return on Equity (ROE) | 8.3819% | 3,121 |
| Retained earnings to average equity (ytd only) | 5.9922% | 2,285 |
| Net charge-offs to loans | 0.0011% | 3,145 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 2,455.0000% | 19 |
| Efficiency ratio | 52.8791% | 4,573 |
| Assets per employee ($millions) | 9.8087% | 350 |
| Cash dividends to net income (ytd only)* | 28.5103% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1138% | 3,002 |
| Loan loss allowance to noncurrent loans | 380.2607% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.3488% | 3,139 |
| Noncurrent loans to loans | 0.2929% | 3,482 |
| Net loans and leases to total assets | 48.6412% | 4,540 |
| Net loans and leases to deposits | 60.8024% | 4,391 |
| Net loans and leases to core deposits | 64.4363% | 4,394 |
| Total domestic deposits to total assets | 79.9989% | 4,038 |
| Equity capital to assets | 18.4094% | 341 |
| Core capital (leverage) ratio | 18.5887% | 302 |
| Tier 1 risk-based capital ratio | 35.8604% | 316 |
| Total risk-based capital ratio | 36.9268% | 314 |
| Memoranda: | ||
| Average total assets | $370,773,000 | 1,865 |
| Average earning assets | $361,874,670 | 1,796 |
| Average equity | $66,953,670 | 1,259 |
| Average total loans | $180,526,330 | 2,337 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7699% | 4,751 |
| Cost of funding earning assets | 0.9172% | 1,930 |
| Net interest margin | 2.8527% | 4,934 |
| Noninterest income to average assets | 0.0411% | 5,234 |
| Noninterest expense to average assets | 1.5208% | 5,155 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1517% | 2,255 |
| Return on assets (ROA) | 1.1758% | 2,197 |
| Pretax return on assets | 1.3261% | 2,354 |
| Return on Equity (ROE) | 6.5757% | 3,811 |
| Retained earnings to average equity (ytd only) | 2.2867% | 3,986 |
| Net charge-offs to loans | -0.0022% | 3,872 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9317% | 4,536 |
| Assets per employee ($millions) | 9.9767% | 344 |
| Cash dividends to net income (ytd only)* | 65.2254% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1433% | 2,896 |
| Loan loss allowance to noncurrent loans | 362.4113% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.3603% | 3,156 |
| Noncurrent loans to loans | 0.3155% | 3,435 |
| Net loans and leases to total assets | 47.8798% | 4,593 |
| Net loans and leases to deposits | 59.7064% | 4,428 |
| Net loans and leases to core deposits | 63.2124% | 4,418 |
| Total domestic deposits to total assets | 80.1920% | 4,144 |
| Equity capital to assets | 18.0385% | 351 |
| Core capital (leverage) ratio | 18.1479% | 331 |
| Tier 1 risk-based capital ratio | 35.4560% | 315 |
| Total risk-based capital ratio | 36.5371% | 312 |
| Memoranda: | ||
| Average total assets | $369,795,000 | 1,879 |
| Average earning assets | $360,224,000 | 1,810 |
| Average equity | $66,122,000 | 1,263 |
| Average total loans | $179,118,500 | 2,378 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7519% | 4,585 |
| Cost of funding earning assets | 0.8324% | 1,375 |
| Net interest margin | 2.9194% | 4,890 |
| Noninterest income to average assets | 0.0558% | 5,256 |
| Noninterest expense to average assets | 1.3851% | 5,268 |
| Loan and lease loss provision to assets | 0.0500% | 3,187 |
| Net operating income to assets | 1.2793% | 1,880 |
| Return on assets (ROA) | 1.3971% | 1,432 |
| Pretax return on assets | 1.6033% | 1,459 |
| Return on Equity (ROE) | 7.7833% | 3,530 |
| Retained earnings to average equity (ytd only) | 4.3628% | 3,144 |
| Net charge-offs to loans | 0.1287% | 1,466 |
| Credit loss provision to net charge-offs | 79.2035% | 2,877 |
| Earnings coverage of net charge-offs (x) | 24.0664% | 1,828 |
| Efficiency ratio | 47.7120% | 5,055 |
| Assets per employee ($millions) | 10.0122% | 337 |
| Cash dividends to net income (ytd only)* | 43.9473% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1385% | 2,883 |
| Loan loss allowance to noncurrent loans | 148.2583% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.4017% | 2,947 |
| Noncurrent loans to loans | 0.7679% | 2,082 |
| Net loans and leases to total assets | 47.8895% | 4,647 |
| Net loans and leases to deposits | 59.9958% | 4,479 |
| Net loans and leases to core deposits | 63.6604% | 4,459 |
| Total domestic deposits to total assets | 79.8214% | 4,147 |
| Equity capital to assets | 17.7235% | 363 |
| Core capital (leverage) ratio | 18.1249% | 320 |
| Tier 1 risk-based capital ratio | 35.4762% | 307 |
| Total risk-based capital ratio | 36.5636% | 307 |
| Memoranda: | ||
| Average total assets | $358,318,400 | 1,886 |
| Average earning assets | $349,451,000 | 1,814 |
| Average equity | $64,317,000 | 1,245 |
| Average total loans | $175,609,600 | 2,369 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7376% | 4,575 |
| Cost of funding earning assets | 0.8100% | 1,289 |
| Net interest margin | 2.9276% | 4,938 |
| Noninterest income to average assets | 0.0585% | 5,324 |
| Noninterest expense to average assets | 1.3851% | 5,331 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3244% | 1,761 |
| Return on assets (ROA) | 1.4752% | 1,258 |
| Pretax return on assets | 1.7019% | 1,274 |
| Return on Equity (ROE) | 8.1917% | 3,471 |
| Retained earnings to average equity (ytd only) | 5.1826% | 3,123 |
| Net charge-offs to loans | 0.0015% | 3,445 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 2,033.9064% | 28 |
| Efficiency ratio | 47.5399% | 5,071 |
| Assets per employee ($millions) | 9.6006% | 369 |
| Cash dividends to net income (ytd only)* | 36.7338% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1721% | 2,781 |
| Loan loss allowance to noncurrent loans | 125.1799% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 0.4915% | 2,733 |
| Noncurrent loans to loans | 0.9363% | 1,821 |
| Net loans and leases to total assets | 48.2592% | 4,703 |
| Net loans and leases to deposits | 60.6753% | 4,515 |
| Net loans and leases to core deposits | 64.3159% | 4,498 |
| Total domestic deposits to total assets | 79.5367% | 4,210 |
| Equity capital to assets | 17.8039% | 353 |
| Core capital (leverage) ratio | 18.5358% | 292 |
| Tier 1 risk-based capital ratio | 35.3376% | 317 |
| Total risk-based capital ratio | 36.4499% | 320 |
| Memoranda: | ||
| Average total assets | $355,285,250 | 1,905 |
| Average earning assets | $346,488,750 | 1,828 |
| Average equity | $63,982,000 | 1,248 |
| Average total loans | $174,649,500 | 2,393 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7182% | 4,541 |
| Cost of funding earning assets | 0.7776% | 1,241 |
| Net interest margin | 2.9406% | 4,962 |
| Noninterest income to average assets | 0.0579% | 5,381 |
| Noninterest expense to average assets | 1.3911% | 5,399 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3284% | 1,666 |
| Return on assets (ROA) | 1.5433% | 1,051 |
| Pretax return on assets | 1.7887% | 990 |
| Return on Equity (ROE) | 8.5362% | 3,244 |
| Retained earnings to average equity (ytd only) | 6.5349% | 2,293 |
| Net charge-offs to loans | -0.0081% | 4,243 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4796% | 5,141 |
| Assets per employee ($millions) | 9.6137% | 362 |
| Cash dividends to net income (ytd only)* | 23.4450% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1995% | 2,717 |
| Loan loss allowance to noncurrent loans | 98.7288% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 0.6348% | 2,320 |
| Noncurrent loans to loans | 1.2150% | 1,429 |
| Net loans and leases to total assets | 48.5572% | 4,686 |
| Net loans and leases to deposits | 61.2890% | 4,462 |
| Net loans and leases to core deposits | 65.1947% | 4,413 |
| Total domestic deposits to total assets | 79.2267% | 4,389 |
| Equity capital to assets | 18.2221% | 307 |
| Core capital (leverage) ratio | 18.7227% | 283 |
| Tier 1 risk-based capital ratio | 35.7764% | 316 |
| Total risk-based capital ratio | 36.9143% | 311 |
| Memoranda: | ||
| Average total assets | $352,105,670 | 1,929 |
| Average earning assets | $343,875,000 | 1,849 |
| Average equity | $63,658,330 | 1,257 |
| Average total loans | $173,483,000 | 2,414 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7009% | 4,464 |
| Cost of funding earning assets | 0.7544% | 1,167 |
| Net interest margin | 2.9464% | 4,964 |
| Noninterest income to average assets | 0.0594% | 5,453 |
| Noninterest expense to average assets | 1.4753% | 5,414 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2857% | 1,694 |
| Return on assets (ROA) | 1.2857% | 1,700 |
| Pretax return on assets | 1.4604% | 1,802 |
| Return on Equity (ROE) | 7.1403% | 3,730 |
| Retained earnings to average equity (ytd only) | 3.1009% | 3,963 |
| Net charge-offs to loans | -0.0023% | 3,824 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2528% | 5,068 |
| Assets per employee ($millions) | 10.0459% | 317 |
| Cash dividends to net income (ytd only)* | 56.5719% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2026% | 2,791 |
| Loan loss allowance to noncurrent loans | 92.7273% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 0.7281% | 2,133 |
| Noncurrent loans to loans | 1.2969% | 1,384 |
| Net loans and leases to total assets | 48.8564% | 4,641 |
| Net loans and leases to deposits | 61.2851% | 4,381 |
| Net loans and leases to core deposits | 64.9202% | 4,374 |
| Total domestic deposits to total assets | 79.7199% | 4,459 |
| Equity capital to assets | 17.9346% | 320 |
| Core capital (leverage) ratio | 18.4462% | 289 |
| Tier 1 risk-based capital ratio | 35.0441% | 325 |
| Total risk-based capital ratio | 36.1830% | 326 |
| Memoranda: | ||
| Average total assets | $350,305,500 | 1,954 |
| Average earning assets | $341,971,500 | 1,863 |
| Average equity | $63,079,000 | 1,272 |
| Average total loans | $172,815,500 | 2,440 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7168% | 4,296 |
| Cost of funding earning assets | 0.7334% | 876 |
| Net interest margin | 2.9834% | 4,921 |
| Noninterest income to average assets | 0.0548% | 5,522 |
| Noninterest expense to average assets | 1.4021% | 5,520 |
| Loan and lease loss provision to assets | 0.0235% | 3,827 |
| Net operating income to assets | 1.1474% | 1,684 |
| Return on assets (ROA) | 1.1474% | 1,722 |
| Pretax return on assets | 1.5386% | 1,491 |
| Return on Equity (ROE) | 6.4115% | 3,574 |
| Retained earnings to average equity (ytd only) | 4.2479% | 2,611 |
| Net charge-offs to loans | -0.0041% | 4,605 |
| Credit loss provision to net charge-offs | -1,157.1429% | 5,090 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3015% | 5,343 |
| Assets per employee ($millions) | 10.2649% | 291 |
| Cash dividends to net income (ytd only)* | 33.7459% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2168% | 2,679 |
| Loan loss allowance to noncurrent loans | 75.9448% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 0.8788% | 1,775 |
| Noncurrent loans to loans | 1.6023% | 1,045 |
| Net loans and leases to total assets | 48.6148% | 4,729 |
| Net loans and leases to deposits | 60.9256% | 4,505 |
| Net loans and leases to core deposits | 64.5540% | 4,497 |
| Total domestic deposits to total assets | 79.7937% | 4,377 |
| Equity capital to assets | 18.0797% | 304 |
| Core capital (leverage) ratio | 18.3562% | 273 |
| Tier 1 risk-based capital ratio | 35.0943% | 315 |
| Total risk-based capital ratio | 36.2430% | 312 |
| Memoranda: | ||
| Average total assets | $345,045,600 | 1,939 |
| Average earning assets | $336,498,200 | 1,859 |
| Average equity | $61,748,600 | 1,283 |
| Average total loans | $170,882,000 | 2,410 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7158% | 4,282 |
| Cost of funding earning assets | 0.7261% | 862 |
| Net interest margin | 2.9896% | 4,939 |
| Noninterest income to average assets | 0.0775% | 5,540 |
| Noninterest expense to average assets | 1.4304% | 5,566 |
| Loan and lease loss provision to assets | 0.0481% | 3,142 |
| Net operating income to assets | 1.2145% | 1,630 |
| Return on assets (ROA) | 1.2145% | 1,661 |
| Pretax return on assets | 1.5141% | 1,724 |
| Return on Equity (ROE) | 6.8043% | 3,767 |
| Retained earnings to average equity (ytd only) | 3.9036% | 3,599 |
| Net charge-offs to loans | 0.0375% | 2,689 |
| Credit loss provision to net charge-offs | 258.3333% | 1,106 |
| Earnings coverage of net charge-offs (x) | 83.9770% | 786 |
| Efficiency ratio | 47.7985% | 5,353 |
| Assets per employee ($millions) | 10.2449% | 289 |
| Cash dividends to net income (ytd only)* | 42.6293% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 2,935 |
| Loan loss allowance to noncurrent loans | 109.7149% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 0.6353% | 2,605 |
| Noncurrent loans to loans | 1.0937% | 1,764 |
| Net loans and leases to total assets | 49.1214% | 4,762 |
| Net loans and leases to deposits | 61.5722% | 4,552 |
| Net loans and leases to core deposits | 65.0500% | 4,548 |
| Total domestic deposits to total assets | 79.7785% | 4,368 |
| Equity capital to assets | 17.9179% | 341 |
| Core capital (leverage) ratio | 18.0228% | 304 |
| Tier 1 risk-based capital ratio | 34.4212% | 340 |
| Total risk-based capital ratio | 35.5561% | 338 |
| Memoranda: | ||
| Average total assets | $344,055,750 | 1,954 |
| Average earning assets | $335,463,500 | 1,872 |
| Average equity | $61,411,000 | 1,292 |
| Average total loans | $170,663,000 | 2,427 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7082% | 4,209 |
| Cost of funding earning assets | 0.7185% | 805 |
| Net interest margin | 2.9897% | 4,932 |
| Noninterest income to average assets | 0.0852% | 5,561 |
| Noninterest expense to average assets | 1.4645% | 5,593 |
| Loan and lease loss provision to assets | 0.0333% | 3,325 |
| Net operating income to assets | 1.2042% | 1,584 |
| Return on assets (ROA) | 1.2042% | 1,619 |
| Pretax return on assets | 1.4996% | 1,634 |
| Return on Equity (ROE) | 6.7554% | 3,692 |
| Retained earnings to average equity (ytd only) | 4.6269% | 2,959 |
| Net charge-offs to loans | 0.0577% | 2,101 |
| Credit loss provision to net charge-offs | 116.3265% | 1,819 |
| Earnings coverage of net charge-offs (x) | 53.5918% | 1,022 |
| Efficiency ratio | 48.8608% | 5,363 |
| Assets per employee ($millions) | 9.6679% | 335 |
| Cash dividends to net income (ytd only)* | 31.5075% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1581% | 3,262 |
| Loan loss allowance to noncurrent loans | 155.2124% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.4637% | 3,259 |
| Noncurrent loans to loans | 0.7461% | 2,535 |
| Net loans and leases to total assets | 49.2909% | 4,744 |
| Net loans and leases to deposits | 61.8441% | 4,513 |
| Net loans and leases to core deposits | 65.3496% | 4,516 |
| Total domestic deposits to total assets | 79.7018% | 4,480 |
| Equity capital to assets | 17.8068% | 341 |
| Core capital (leverage) ratio | 18.1535% | 296 |
| Tier 1 risk-based capital ratio | 34.1191% | 327 |
| Total risk-based capital ratio | 35.2139% | 327 |
| Memoranda: | ||
| Average total assets | $342,632,000 | 1,966 |
| Average earning assets | $333,750,330 | 1,885 |
| Average equity | $61,077,000 | 1,302 |
| Average total loans | $169,823,670 | 2,444 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6614% | 4,233 |
| Cost of funding earning assets | 0.7074% | 813 |
| Net interest margin | 2.9540% | 4,984 |
| Noninterest income to average assets | 0.1118% | 5,552 |
| Noninterest expense to average assets | 1.5262% | 5,619 |
| Loan and lease loss provision to assets | 0.0306% | 3,168 |
| Net operating income to assets | 1.1591% | 1,632 |
| Return on assets (ROA) | 1.1591% | 1,670 |
| Pretax return on assets | 1.4297% | 1,767 |
| Return on Equity (ROE) | 6.4987% | 3,665 |
| Retained earnings to average equity (ytd only) | 2.2960% | 4,222 |
| Net charge-offs to loans | 0.0405% | 2,009 |
| Credit loss provision to net charge-offs | 152.9412% | 1,200 |
| Earnings coverage of net charge-offs (x) | 73.0000% | 700 |
| Efficiency ratio | 51.1032% | 5,321 |
| Assets per employee ($millions) | 9.4732% | 365 |
| Cash dividends to net income (ytd only)* | 64.6701% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1889% | 3,201 |
| Loan loss allowance to noncurrent loans | 204.7862% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.3906% | 3,638 |
| Noncurrent loans to loans | 0.5805% | 3,070 |
| Net loans and leases to total assets | 49.0095% | 4,749 |
| Net loans and leases to deposits | 61.7338% | 4,452 |
| Net loans and leases to core deposits | 65.5343% | 4,458 |
| Total domestic deposits to total assets | 79.3884% | 4,744 |
| Equity capital to assets | 17.8280% | 317 |
| Core capital (leverage) ratio | 18.1905% | 276 |
| Tier 1 risk-based capital ratio | 34.1561% | 350 |
| Total risk-based capital ratio | 35.2716% | 345 |
| Memoranda: | ||
| Average total assets | $339,925,000 | 1,989 |
| Average earning assets | $330,803,500 | 1,907 |
| Average equity | $60,627,500 | 1,307 |
| Average total loans | $167,953,000 | 2,474 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9975% | 3,204 |
| Cost of funding earning assets | 0.7524% | 629 |
| Net interest margin | 3.2451% | 4,312 |
| Noninterest income to average assets | 0.0795% | 5,696 |
| Noninterest expense to average assets | 1.4274% | 5,761 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.3932% | 1,021 |
| Return on assets (ROA) | 1.3951% | 1,049 |
| Pretax return on assets | 1.7967% | 810 |
| Return on Equity (ROE) | 7.7978% | 3,056 |
| Retained earnings to average equity (ytd only) | 5.4312% | 2,058 |
| Net charge-offs to loans | 0.0330% | 3,365 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 105.9464% | 573 |
| Efficiency ratio | 44.3068% | 5,685 |
| Assets per employee ($millions) | 9.4115% | 372 |
| Cash dividends to net income (ytd only)* | 30.3490% | 3,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 3,122 |
| Loan loss allowance to noncurrent loans | 145.4942% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.6532% | 2,770 |
| Noncurrent loans to loans | 0.8252% | 2,462 |
| Net loans and leases to total assets | 48.6264% | 4,853 |
| Net loans and leases to deposits | 60.3091% | 4,650 |
| Net loans and leases to core deposits | 62.8351% | 4,701 |
| Total domestic deposits to total assets | 80.6286% | 4,426 |
| Equity capital to assets | 17.8431% | 313 |
| Core capital (leverage) ratio | 18.3851% | 263 |
| Tier 1 risk-based capital ratio | 34.7070% | 330 |
| Total risk-based capital ratio | 35.8418% | 329 |
| Memoranda: | ||
| Average total assets | $330,663,000 | 2,001 |
| Average earning assets | $320,175,200 | 1,917 |
| Average equity | $59,158,000 | 1,304 |
| Average total loans | $169,897,400 | 2,417 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0479% | 3,043 |
| Cost of funding earning assets | 0.7613% | 604 |
| Net interest margin | 3.2866% | 4,228 |
| Noninterest income to average assets | 0.0600% | 5,807 |
| Noninterest expense to average assets | 1.4651% | 5,783 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3814% | 1,100 |
| Return on assets (ROA) | 1.3839% | 1,154 |
| Pretax return on assets | 1.7807% | 931 |
| Return on Equity (ROE) | 7.7301% | 3,159 |
| Retained earnings to average equity (ytd only) | 4.6050% | 3,077 |
| Net charge-offs to loans | 0.0297% | 3,062 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 115.2791% | 588 |
| Efficiency ratio | 45.1827% | 5,703 |
| Assets per employee ($millions) | 9.4473% | 358 |
| Cash dividends to net income (ytd only)* | 40.4280% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1888% | 3,308 |
| Loan loss allowance to noncurrent loans | 107.2187% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 0.7990% | 2,544 |
| Noncurrent loans to loans | 1.1088% | 2,033 |
| Net loans and leases to total assets | 50.7778% | 4,761 |
| Net loans and leases to deposits | 62.9263% | 4,562 |
| Net loans and leases to core deposits | 65.5501% | 4,642 |
| Total domestic deposits to total assets | 80.6941% | 4,325 |
| Equity capital to assets | 18.1427% | 332 |
| Core capital (leverage) ratio | 18.2600% | 282 |
| Tier 1 risk-based capital ratio | 33.9532% | 355 |
| Total risk-based capital ratio | 35.0954% | 360 |
| Memoranda: | ||
| Average total assets | $328,625,250 | 2,017 |
| Average earning assets | $318,215,500 | 1,934 |
| Average equity | $58,833,750 | 1,322 |
| Average total loans | $170,683,000 | 2,410 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9962% | 3,258 |
| Cost of funding earning assets | 0.7683% | 575 |
| Net interest margin | 3.2279% | 4,455 |
| Noninterest income to average assets | 0.0537% | 5,910 |
| Noninterest expense to average assets | 1.4472% | 5,878 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3417% | 1,186 |
| Return on assets (ROA) | 1.3417% | 1,257 |
| Pretax return on assets | 1.7222% | 1,041 |
| Return on Equity (ROE) | 7.5280% | 3,245 |
| Retained earnings to average equity (ytd only) | 5.3038% | 2,540 |
| Net charge-offs to loans | 0.0339% | 2,772 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 97.3793% | 595 |
| Efficiency ratio | 45.6610% | 5,765 |
| Assets per employee ($millions) | 10.0032% | 285 |
| Cash dividends to net income (ytd only)* | 29.5455% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1917% | 3,412 |
| Loan loss allowance to noncurrent loans | 93.9352% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 0.7649% | 2,691 |
| Noncurrent loans to loans | 1.2686% | 1,796 |
| Net loans and leases to total assets | 50.9627% | 4,768 |
| Net loans and leases to deposits | 63.4511% | 4,533 |
| Net loans and leases to core deposits | 66.1704% | 4,598 |
| Total domestic deposits to total assets | 80.3181% | 4,471 |
| Equity capital to assets | 18.0266% | 340 |
| Core capital (leverage) ratio | 18.3172% | 268 |
| Tier 1 risk-based capital ratio | 33.5857% | 370 |
| Total risk-based capital ratio | 34.7298% | 368 |
| Memoranda: | ||
| Average total assets | $327,948,330 | 2,026 |
| Average earning assets | $316,550,330 | 1,952 |
| Average equity | $58,448,330 | 1,333 |
| Average total loans | $170,937,330 | 2,404 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9896% | 3,259 |
| Cost of funding earning assets | 0.7770% | 556 |
| Net interest margin | 3.2126% | 4,544 |
| Noninterest income to average assets | 0.0563% | 5,942 |
| Noninterest expense to average assets | 1.4978% | 5,913 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3082% | 1,234 |
| Return on assets (ROA) | 1.3082% | 1,312 |
| Pretax return on assets | 1.6753% | 1,124 |
| Return on Equity (ROE) | 7.3827% | 3,252 |
| Retained earnings to average equity (ytd only) | 2.8937% | 4,070 |
| Net charge-offs to loans | 0.0584% | 1,927 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 54.7600% | 826 |
| Efficiency ratio | 47.2040% | 5,762 |
| Assets per employee ($millions) | 9.8945% | 291 |
| Cash dividends to net income (ytd only)* | 60.8045% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1888% | 3,549 |
| Loan loss allowance to noncurrent loans | 91.4530% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 0.7415% | 2,858 |
| Noncurrent loans to loans | 1.2999% | 1,854 |
| Net loans and leases to total assets | 51.7537% | 4,646 |
| Net loans and leases to deposits | 65.5285% | 4,301 |
| Net loans and leases to core deposits | 68.2699% | 4,376 |
| Total domestic deposits to total assets | 78.9788% | 4,970 |
| Equity capital to assets | 17.8385% | 339 |
| Core capital (leverage) ratio | 17.9226% | 299 |
| Tier 1 risk-based capital ratio | 33.0599% | 392 |
| Total risk-based capital ratio | 34.2100% | 391 |
| Memoranda: | ||
| Average total assets | $326,869,500 | 2,045 |
| Average earning assets | $317,124,000 | 1,951 |
| Average equity | $57,919,000 | 1,337 |
| Average total loans | $171,276,000 | 2,395 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0853% | 2,977 |
| Cost of funding earning assets | 0.7883% | 528 |
| Net interest margin | 3.2970% | 4,301 |
| Noninterest income to average assets | 0.0704% | 5,948 |
| Noninterest expense to average assets | 1.3814% | 6,040 |
| Loan and lease loss provision to assets | 0.1108% | 2,144 |
| Net operating income to assets | 1.3733% | 1,090 |
| Return on assets (ROA) | 1.3733% | 1,137 |
| Pretax return on assets | 1.7780% | 837 |
| Return on Equity (ROE) | 7.8119% | 3,062 |
| Retained earnings to average equity (ytd only) | 5.2050% | 2,273 |
| Net charge-offs to loans | 0.1260% | 2,117 |
| Credit loss provision to net charge-offs | 171.0145% | 1,581 |
| Earnings coverage of net charge-offs (x) | 29.1498% | 1,484 |
| Efficiency ratio | 42.2418% | 6,022 |
| Assets per employee ($millions) | 10.5555% | 226 |
| Cash dividends to net income (ytd only)* | 33.3713% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 3,487 |
| Loan loss allowance to noncurrent loans | 87.9487% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 0.7735% | 2,745 |
| Noncurrent loans to loans | 1.3642% | 1,718 |
| Net loans and leases to total assets | 51.7925% | 4,710 |
| Net loans and leases to deposits | 66.6101% | 4,259 |
| Net loans and leases to core deposits | 69.5703% | 4,331 |
| Total domestic deposits to total assets | 77.7548% | 5,211 |
| Equity capital to assets | 17.6003% | 346 |
| Core capital (leverage) ratio | 17.7305% | 295 |
| Tier 1 risk-based capital ratio | 32.5412% | 412 |
| Total risk-based capital ratio | 33.6955% | 407 |
| Memoranda: | ||
| Average total assets | $319,457,000 | 2,048 |
| Average earning assets | $310,034,800 | 1,957 |
| Average equity | $56,157,800 | 1,331 |
| Average total loans | $164,293,400 | 2,411 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1212% | 2,851 |
| Cost of funding earning assets | 0.7880% | 529 |
| Net interest margin | 3.3332% | 4,209 |
| Noninterest income to average assets | 0.0672% | 6,053 |
| Noninterest expense to average assets | 1.4122% | 6,092 |
| Loan and lease loss provision to assets | 0.0936% | 2,292 |
| Net operating income to assets | 1.3891% | 1,135 |
| Return on assets (ROA) | 1.3891% | 1,184 |
| Pretax return on assets | 1.7977% | 906 |
| Return on Equity (ROE) | 7.9043% | 3,127 |
| Retained earnings to average equity (ytd only) | 4.4062% | 3,338 |
| Net charge-offs to loans | 0.0952% | 2,205 |
| Credit loss provision to net charge-offs | 192.2414% | 1,380 |
| Earnings coverage of net charge-offs (x) | 38.8283% | 1,276 |
| Efficiency ratio | 42.7482% | 6,068 |
| Assets per employee ($millions) | 10.2321% | 247 |
| Cash dividends to net income (ytd only)* | 44.2563% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1799% | 3,763 |
| Loan loss allowance to noncurrent loans | 73.8923% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 0.8918% | 2,642 |
| Noncurrent loans to loans | 1.5968% | 1,553 |
| Net loans and leases to total assets | 51.6190% | 4,789 |
| Net loans and leases to deposits | 67.0929% | 4,273 |
| Net loans and leases to core deposits | 69.8767% | 4,380 |
| Total domestic deposits to total assets | 76.9366% | 5,349 |
| Equity capital to assets | 17.3327% | 401 |
| Core capital (leverage) ratio | 17.5328% | 331 |
| Tier 1 risk-based capital ratio | 31.9351% | 443 |
| Total risk-based capital ratio | 33.0669% | 447 |
| Memoranda: | ||
| Average total assets | $317,516,000 | 2,070 |
| Average earning assets | $308,287,000 | 1,986 |
| Average equity | $55,799,250 | 1,348 |
| Average total loans | $162,483,250 | 2,447 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0988% | 2,902 |
| Cost of funding earning assets | 0.7849% | 541 |
| Net interest margin | 3.3139% | 4,247 |
| Noninterest income to average assets | 0.0675% | 6,118 |
| Noninterest expense to average assets | 1.4525% | 6,139 |
| Loan and lease loss provision to assets | 0.0853% | 2,411 |
| Net operating income to assets | 1.3577% | 1,172 |
| Return on assets (ROA) | 1.3577% | 1,217 |
| Pretax return on assets | 1.7517% | 977 |
| Return on Equity (ROE) | 7.6890% | 3,215 |
| Retained earnings to average equity (ytd only) | 4.7800% | 3,005 |
| Net charge-offs to loans | 0.1240% | 1,769 |
| Credit loss provision to net charge-offs | 135.3535% | 1,651 |
| Earnings coverage of net charge-offs (x) | 29.1515% | 1,386 |
| Efficiency ratio | 44.1563% | 6,107 |
| Assets per employee ($millions) | 9.6451% | 297 |
| Cash dividends to net income (ytd only)* | 37.8340% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1925% | 3,839 |
| Loan loss allowance to noncurrent loans | 71.5968% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 0.9121% | 2,708 |
| Noncurrent loans to loans | 1.6655% | 1,565 |
| Net loans and leases to total assets | 50.6599% | 4,876 |
| Net loans and leases to deposits | 64.9637% | 4,445 |
| Net loans and leases to core deposits | 67.6925% | 4,512 |
| Total domestic deposits to total assets | 77.9820% | 5,288 |
| Equity capital to assets | 17.6368% | 369 |
| Core capital (leverage) ratio | 17.8412% | 302 |
| Tier 1 risk-based capital ratio | 33.4466% | 412 |
| Total risk-based capital ratio | 34.6002% | 409 |
| Memoranda: | ||
| Average total assets | $314,212,000 | 2,107 |
| Average earning assets | $305,502,000 | 2,016 |
| Average equity | $55,481,670 | 1,366 |
| Average total loans | $159,633,330 | 2,485 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0811% | 2,912 |
| Cost of funding earning assets | 0.7783% | 569 |
| Net interest margin | 3.3028% | 4,204 |
| Noninterest income to average assets | 0.0705% | 6,175 |
| Noninterest expense to average assets | 1.4313% | 6,214 |
| Loan and lease loss provision to assets | 0.1397% | 1,474 |
| Net operating income to assets | 1.3339% | 1,173 |
| Return on assets (ROA) | 1.3339% | 1,246 |
| Pretax return on assets | 1.7131% | 1,027 |
| Return on Equity (ROE) | 7.5497% | 3,194 |
| Retained earnings to average equity (ytd only) | 1.6971% | 4,796 |
| Net charge-offs to loans | 0.2331% | 1,019 |
| Credit loss provision to net charge-offs | 118.4783% | 1,458 |
| Earnings coverage of net charge-offs (x) | 15.7174% | 1,610 |
| Efficiency ratio | 43.5817% | 6,194 |
| Assets per employee ($millions) | 9.8332% | 269 |
| Cash dividends to net income (ytd only)* | 77.5216% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2138% | 3,889 |
| Loan loss allowance to noncurrent loans | 80.2330% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 0.8228% | 3,039 |
| Noncurrent loans to loans | 1.5129% | 1,864 |
| Net loans and leases to total assets | 49.8651% | 4,865 |
| Net loans and leases to deposits | 64.1532% | 4,355 |
| Net loans and leases to core deposits | 66.5045% | 4,467 |
| Total domestic deposits to total assets | 77.7281% | 5,495 |
| Equity capital to assets | 17.5770% | 369 |
| Core capital (leverage) ratio | 17.6785% | 307 |
| Tier 1 risk-based capital ratio | 33.4745% | 407 |
| Total risk-based capital ratio | 34.6410% | 401 |
| Memoranda: | ||
| Average total assets | $312,173,500 | 2,125 |
| Average earning assets | $303,744,500 | 2,029 |
| Average equity | $55,154,500 | 1,379 |
| Average total loans | $157,854,500 | 2,515 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1688% | 3,050 |
| Cost of funding earning assets | 0.7742% | 746 |
| Net interest margin | 3.3947% | 4,219 |
| Noninterest income to average assets | 0.0947% | 6,168 |
| Noninterest expense to average assets | 1.4464% | 6,327 |
| Loan and lease loss provision to assets | 0.2540% | 887 |
| Net operating income to assets | 1.3103% | 1,286 |
| Return on assets (ROA) | 1.3108% | 1,330 |
| Pretax return on assets | 1.6835% | 1,017 |
| Return on Equity (ROE) | 7.5530% | 3,345 |
| Retained earnings to average equity (ytd only) | 4.1886% | 3,215 |
| Net charge-offs to loans | 0.3405% | 1,285 |
| Credit loss provision to net charge-offs | 149.1429% | 1,620 |
| Earnings coverage of net charge-offs (x) | 11.3733% | 2,498 |
| Efficiency ratio | 42.7517% | 6,354 |
| Assets per employee ($millions) | 9.6777% | 278 |
| Cash dividends to net income (ytd only)* | 44.5434% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 3,895 |
| Loan loss allowance to noncurrent loans | 77.3058% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 0.8567% | 3,065 |
| Noncurrent loans to loans | 1.5758% | 1,853 |
| Net loans and leases to total assets | 50.0391% | 4,974 |
| Net loans and leases to deposits | 63.7725% | 4,548 |
| Net loans and leases to core deposits | 65.8810% | 4,678 |
| Total domestic deposits to total assets | 78.4650% | 5,354 |
| Equity capital to assets | 17.7602% | 335 |
| Core capital (leverage) ratio | 17.6508% | 314 |
| Tier 1 risk-based capital ratio | 32.7677% | 402 |
| Total risk-based capital ratio | 33.9043% | 399 |
| Memoranda: | ||
| Average total assets | $308,277,200 | 2,111 |
| Average earning assets | $298,644,800 | 2,004 |
| Average equity | $53,501,800 | 1,365 |
| Average total loans | $154,206,400 | 2,511 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1778% | 3,069 |
| Cost of funding earning assets | 0.7678% | 808 |
| Net interest margin | 3.4100% | 4,197 |
| Noninterest income to average assets | 0.1009% | 6,247 |
| Noninterest expense to average assets | 1.4570% | 6,373 |
| Loan and lease loss provision to assets | 0.3304% | 553 |
| Net operating income to assets | 1.2632% | 1,485 |
| Return on assets (ROA) | 1.2639% | 1,541 |
| Pretax return on assets | 1.6125% | 1,291 |
| Return on Equity (ROE) | 7.3257% | 3,542 |
| Retained earnings to average equity (ytd only) | 3.1998% | 4,353 |
| Net charge-offs to loans | 0.4490% | 878 |
| Credit loss provision to net charge-offs | 147.5822% | 1,602 |
| Earnings coverage of net charge-offs (x) | 8.6750% | 2,763 |
| Efficiency ratio | 42.8662% | 6,398 |
| Assets per employee ($millions) | 9.9872% | 240 |
| Cash dividends to net income (ytd only)* | 56.3208% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2056% | 4,190 |
| Loan loss allowance to noncurrent loans | 91.6506% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 0.7445% | 3,578 |
| Noncurrent loans to loans | 1.3154% | 2,453 |
| Net loans and leases to total assets | 50.2629% | 4,978 |
| Net loans and leases to deposits | 64.6536% | 4,467 |
| Net loans and leases to core deposits | 66.8121% | 4,627 |
| Total domestic deposits to total assets | 77.7419% | 5,578 |
| Equity capital to assets | 17.3942% | 390 |
| Core capital (leverage) ratio | 17.4332% | 331 |
| Tier 1 risk-based capital ratio | 31.9004% | 444 |
| Total risk-based capital ratio | 33.0196% | 442 |
| Memoranda: | ||
| Average total assets | $307,925,000 | 2,123 |
| Average earning assets | $297,823,500 | 2,021 |
| Average equity | $53,127,000 | 1,380 |
| Average total loans | $153,539,250 | 2,519 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1884% | 2,993 |
| Cost of funding earning assets | 0.7635% | 864 |
| Net interest margin | 3.4249% | 4,084 |
| Noninterest income to average assets | 0.1106% | 6,240 |
| Noninterest expense to average assets | 1.4517% | 6,442 |
| Loan and lease loss provision to assets | 0.0377% | 3,539 |
| Net operating income to assets | 1.4732% | 920 |
| Return on assets (ROA) | 1.4732% | 958 |
| Pretax return on assets | 1.9313% | 643 |
| Return on Equity (ROE) | 8.5620% | 2,807 |
| Retained earnings to average equity (ytd only) | 4.7802% | 3,102 |
| Net charge-offs to loans | 0.0118% | 4,010 |
| Credit loss provision to net charge-offs | 644.4444% | 475 |
| Earnings coverage of net charge-offs (x) | 336.2222% | 205 |
| Efficiency ratio | 42.4387% | 6,469 |
| Assets per employee ($millions) | 10.3179% | 210 |
| Cash dividends to net income (ytd only)* | 44.1696% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0952% | 4,937 |
| Loan loss allowance to noncurrent loans | 126.4487% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 0.5075% | 4,485 |
| Noncurrent loans to loans | 0.8661% | 3,539 |
| Net loans and leases to total assets | 49.6563% | 4,997 |
| Net loans and leases to deposits | 63.2168% | 4,572 |
| Net loans and leases to core deposits | 65.5222% | 4,681 |
| Total domestic deposits to total assets | 78.5492% | 5,541 |
| Equity capital to assets | 17.4164% | 374 |
| Core capital (leverage) ratio | 17.5790% | 320 |
| Tier 1 risk-based capital ratio | 32.2100% | 437 |
| Total risk-based capital ratio | 33.2230% | 436 |
| Memoranda: | ||
| Average total assets | $307,365,330 | 2,126 |
| Average earning assets | $297,058,670 | 2,026 |
| Average equity | $52,885,000 | 1,372 |
| Average total loans | $152,214,000 | 2,542 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1475% | 3,087 |
| Cost of funding earning assets | 0.7612% | 921 |
| Net interest margin | 3.3863% | 4,185 |
| Noninterest income to average assets | 0.0757% | 6,412 |
| Noninterest expense to average assets | 1.4144% | 6,550 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4679% | 865 |
| Return on assets (ROA) | 1.4679% | 893 |
| Pretax return on assets | 1.9263% | 620 |
| Return on Equity (ROE) | 8.5847% | 2,651 |
| Retained earnings to average equity (ytd only) | 2.1156% | 4,751 |
| Net charge-offs to loans | 0.0186% | 3,213 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 210.7143% | 230 |
| Efficiency ratio | 42.3378% | 6,539 |
| Assets per employee ($millions) | 9.6539% | 259 |
| Cash dividends to net income (ytd only)* | 75.3559% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0969% | 5,134 |
| Loan loss allowance to noncurrent loans | 109.8065% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 0.5891% | 4,383 |
| Noncurrent loans to loans | 0.9990% | 3,420 |
| Net loans and leases to total assets | 48.0400% | 5,123 |
| Net loans and leases to deposits | 61.6133% | 4,594 |
| Net loans and leases to core deposits | 63.6972% | 4,714 |
| Total domestic deposits to total assets | 77.9701% | 5,840 |
| Equity capital to assets | 17.0248% | 395 |
| Core capital (leverage) ratio | 17.3394% | 337 |
| Tier 1 risk-based capital ratio | 32.2267% | 440 |
| Total risk-based capital ratio | 33.2252% | 443 |
| Memoranda: | ||
| Average total assets | $306,280,000 | 2,139 |
| Average earning assets | $295,311,000 | 2,045 |
| Average equity | $52,372,500 | 1,381 |
| Average total loans | $150,618,000 | 2,570 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2844% | 3,018 |
| Cost of funding earning assets | 0.9503% | 573 |
| Net interest margin | 3.3340% | 4,534 |
| Noninterest income to average assets | 0.1109% | 6,347 |
| Noninterest expense to average assets | 1.4069% | 6,628 |
| Loan and lease loss provision to assets | 0.0851% | 3,408 |
| Net operating income to assets | 1.4247% | 974 |
| Return on assets (ROA) | 1.4270% | 1,009 |
| Pretax return on assets | 1.8516% | 677 |
| Return on Equity (ROE) | 8.3550% | 2,854 |
| Retained earnings to average equity (ytd only) | 5.5098% | 2,273 |
| Net charge-offs to loans | 0.1108% | 3,717 |
| Credit loss provision to net charge-offs | 155.8282% | 1,488 |
| Earnings coverage of net charge-offs (x) | 35.3988% | 1,050 |
| Efficiency ratio | 42.1148% | 6,651 |
| Assets per employee ($millions) | 9.2010% | 310 |
| Cash dividends to net income (ytd only)* | 34.0535% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0934% | 5,188 |
| Loan loss allowance to noncurrent loans | 109.9800% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 0.5971% | 4,444 |
| Noncurrent loans to loans | 0.9942% | 3,529 |
| Net loans and leases to total assets | 49.2465% | 5,165 |
| Net loans and leases to deposits | 62.5432% | 4,671 |
| Net loans and leases to core deposits | 64.6662% | 4,810 |
| Total domestic deposits to total assets | 78.7399% | 5,702 |
| Equity capital to assets | 17.1756% | 381 |
| Core capital (leverage) ratio | 17.4909% | 332 |
| Tier 1 risk-based capital ratio | 32.0449% | 427 |
| Total risk-based capital ratio | 33.0472% | 433 |
| Memoranda: | ||
| Average total assets | $298,383,000 | 2,154 |
| Average earning assets | $289,052,000 | 2,052 |
| Average equity | $50,963,600 | 1,393 |
| Average total loans | $147,081,600 | 2,600 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2669% | 3,126 |
| Cost of funding earning assets | 0.9893% | 519 |
| Net interest margin | 3.2776% | 4,722 |
| Noninterest income to average assets | 0.1171% | 6,426 |
| Noninterest expense to average assets | 1.3976% | 6,692 |
| Loan and lease loss provision to assets | 0.0606% | 3,835 |
| Net operating income to assets | 1.4165% | 1,066 |
| Return on assets (ROA) | 1.4196% | 1,109 |
| Pretax return on assets | 1.8393% | 826 |
| Return on Equity (ROE) | 8.3235% | 2,961 |
| Retained earnings to average equity (ytd only) | 4.5051% | 3,470 |
| Net charge-offs to loans | 0.0977% | 3,582 |
| Credit loss provision to net charge-offs | 126.1682% | 1,866 |
| Earnings coverage of net charge-offs (x) | 39.4775% | 1,012 |
| Efficiency ratio | 42.4366% | 6,694 |
| Assets per employee ($millions) | 9.0756% | 304 |
| Cash dividends to net income (ytd only)* | 45.8742% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0677% | 5,452 |
| Loan loss allowance to noncurrent loans | 50.9779% | 5,187 |
| Noncurrent assets plus other real estate owned to assets | 1.2341% | 3,176 |
| Noncurrent loans to loans | 2.0945% | 2,136 |
| Net loans and leases to total assets | 49.1906% | 5,225 |
| Net loans and leases to deposits | 60.8775% | 4,883 |
| Net loans and leases to core deposits | 63.0302% | 5,006 |
| Total domestic deposits to total assets | 80.8026% | 5,268 |
| Equity capital to assets | 17.1175% | 405 |
| Core capital (leverage) ratio | 17.3088% | 355 |
| Tier 1 risk-based capital ratio | 31.8205% | 444 |
| Total risk-based capital ratio | 32.7980% | 447 |
| Memoranda: | ||
| Average total assets | $297,070,250 | 2,172 |
| Average earning assets | $287,884,500 | 2,069 |
| Average equity | $50,666,750 | 1,408 |
| Average total loans | $146,056,500 | 2,637 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2823% | 3,030 |
| Cost of funding earning assets | 1.0181% | 495 |
| Net interest margin | 3.2642% | 4,714 |
| Noninterest income to average assets | 0.1316% | 6,395 |
| Noninterest expense to average assets | 1.3508% | 6,755 |
| Loan and lease loss provision to assets | 0.0506% | 3,975 |
| Net operating income to assets | 1.4555% | 970 |
| Return on assets (ROA) | 1.4602% | 1,040 |
| Pretax return on assets | 1.8983% | 752 |
| Return on Equity (ROE) | 8.5719% | 2,810 |
| Retained earnings to average equity (ytd only) | 5.0053% | 3,052 |
| Net charge-offs to loans | 0.1089% | 3,269 |
| Credit loss provision to net charge-offs | 94.9367% | 2,334 |
| Earnings coverage of net charge-offs (x) | 36.4304% | 992 |
| Efficiency ratio | 41.0125% | 6,779 |
| Assets per employee ($millions) | 9.0154% | 304 |
| Cash dividends to net income (ytd only)* | 41.6089% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0580% | 5,591 |
| Loan loss allowance to noncurrent loans | 42.4176% | 5,521 |
| Noncurrent assets plus other real estate owned to assets | 1.3865% | 3,025 |
| Noncurrent loans to loans | 2.4942% | 1,858 |
| Net loans and leases to total assets | 48.9745% | 5,225 |
| Net loans and leases to deposits | 59.2274% | 5,049 |
| Net loans and leases to core deposits | 61.6200% | 5,133 |
| Total domestic deposits to total assets | 82.6889% | 4,814 |
| Equity capital to assets | 17.0644% | 406 |
| Core capital (leverage) ratio | 17.1800% | 358 |
| Tier 1 risk-based capital ratio | 31.7990% | 445 |
| Total risk-based capital ratio | 32.7646% | 450 |
| Memoranda: | ||
| Average total assets | $296,262,330 | 2,188 |
| Average earning assets | $286,993,000 | 2,083 |
| Average equity | $50,467,000 | 1,415 |
| Average total loans | $145,104,330 | 2,644 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3225% | 2,794 |
| Cost of funding earning assets | 1.0471% | 481 |
| Net interest margin | 3.2754% | 4,613 |
| Noninterest income to average assets | 0.0839% | 6,638 |
| Noninterest expense to average assets | 1.3002% | 6,878 |
| Loan and lease loss provision to assets | 0.0758% | 3,363 |
| Net operating income to assets | 1.4479% | 962 |
| Return on assets (ROA) | 1.4531% | 1,029 |
| Pretax return on assets | 1.8847% | 753 |
| Return on Equity (ROE) | 8.5380% | 2,698 |
| Retained earnings to average equity (ytd only) | 2.5598% | 4,746 |
| Net charge-offs to loans | 0.0778% | 3,062 |
| Credit loss provision to net charge-offs | 200.0000% | 1,079 |
| Earnings coverage of net charge-offs (x) | 51.5714% | 661 |
| Efficiency ratio | 39.9584% | 6,874 |
| Assets per employee ($millions) | 9.0081% | 319 |
| Cash dividends to net income (ytd only)* | 70.0186% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0952% | 5,627 |
| Loan loss allowance to noncurrent loans | 36.5938% | 5,750 |
| Noncurrent assets plus other real estate owned to assets | 1.5592% | 2,926 |
| Noncurrent loans to loans | 2.9929% | 1,676 |
| Net loans and leases to total assets | 48.3020% | 5,194 |
| Net loans and leases to deposits | 58.5640% | 4,964 |
| Net loans and leases to core deposits | 60.7288% | 5,074 |
| Total domestic deposits to total assets | 82.4774% | 5,033 |
| Equity capital to assets | 16.9770% | 425 |
| Core capital (leverage) ratio | 17.0752% | 349 |
| Tier 1 risk-based capital ratio | 31.7115% | 461 |
| Total risk-based capital ratio | 32.7125% | 461 |
| Memoranda: | ||
| Average total assets | $295,639,500 | 2,218 |
| Average earning assets | $286,130,500 | 2,117 |
| Average equity | $50,316,500 | 1,443 |
| Average total loans | $144,026,000 | 2,666 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6258% | 2,897 |
| Cost of funding earning assets | 1.2491% | 462 |
| Net interest margin | 3.3767% | 4,972 |
| Noninterest income to average assets | 0.0858% | 6,562 |
| Noninterest expense to average assets | 1.3182% | 6,944 |
| Loan and lease loss provision to assets | 0.0823% | 4,670 |
| Net operating income to assets | 1.5009% | 914 |
| Return on assets (ROA) | 1.4737% | 1,078 |
| Pretax return on assets | 1.9074% | 746 |
| Return on Equity (ROE) | 8.7909% | 2,739 |
| Retained earnings to average equity (ytd only) | 5.1067% | 2,640 |
| Net charge-offs to loans | 0.0089% | 5,818 |
| Credit loss provision to net charge-offs | 2,000.0000% | 117 |
| Earnings coverage of net charge-offs (x) | 491.8333% | 82 |
| Efficiency ratio | 39.4294% | 6,941 |
| Assets per employee ($millions) | 9.1879% | 310 |
| Cash dividends to net income (ytd only)* | 41.9092% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0933% | 5,581 |
| Loan loss allowance to noncurrent loans | 42.8650% | 5,498 |
| Noncurrent assets plus other real estate owned to assets | 1.2836% | 3,506 |
| Noncurrent loans to loans | 2.5505% | 2,077 |
| Net loans and leases to total assets | 48.0640% | 5,412 |
| Net loans and leases to deposits | 58.1479% | 5,227 |
| Net loans and leases to core deposits | 60.3280% | 5,335 |
| Total domestic deposits to total assets | 82.6582% | 4,866 |
| Equity capital to assets | 17.0626% | 407 |
| Core capital (leverage) ratio | 17.1243% | 340 |
| Tier 1 risk-based capital ratio | 31.7903% | 439 |
| Total risk-based capital ratio | 32.7826% | 440 |
| Memoranda: | ||
| Average total assets | $291,450,400 | 2,192 |
| Average earning assets | $281,164,000 | 2,094 |
| Average equity | $48,857,200 | 1,441 |
| Average total loans | $135,100,000 | 2,790 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6556% | 2,990 |
| Cost of funding earning assets | 1.2885% | 461 |
| Net interest margin | 3.3670% | 5,151 |
| Noninterest income to average assets | 0.0908% | 6,650 |
| Noninterest expense to average assets | 1.3071% | 7,040 |
| Loan and lease loss provision to assets | 0.0619% | 4,941 |
| Net operating income to assets | 1.5171% | 989 |
| Return on assets (ROA) | 1.4804% | 1,172 |
| Pretax return on assets | 1.9196% | 834 |
| Return on Equity (ROE) | 8.8713% | 2,862 |
| Retained earnings to average equity (ytd only) | 4.4370% | 3,771 |
| Net charge-offs to loans | 0.0220% | 5,355 |
| Credit loss provision to net charge-offs | 613.6364% | 435 |
| Earnings coverage of net charge-offs (x) | 201.1998% | 224 |
| Efficiency ratio | 39.1782% | 7,029 |
| Assets per employee ($millions) | 9.0641% | 318 |
| Cash dividends to net income (ytd only)* | 49.9846% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0502% | 5,894 |
| Loan loss allowance to noncurrent loans | 59.2062% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 0.9502% | 4,380 |
| Noncurrent loans to loans | 1.7738% | 3,118 |
| Net loans and leases to total assets | 47.0038% | 5,658 |
| Net loans and leases to deposits | 57.0070% | 5,534 |
| Net loans and leases to core deposits | 59.1727% | 5,638 |
| Total domestic deposits to total assets | 82.4527% | 4,854 |
| Equity capital to assets | 17.0998% | 444 |
| Core capital (leverage) ratio | 16.6553% | 410 |
| Tier 1 risk-based capital ratio | 31.8158% | 453 |
| Total risk-based capital ratio | 32.7522% | 457 |
| Memoranda: | ||
| Average total assets | $290,810,000 | 2,224 |
| Average earning assets | $280,317,500 | 2,118 |
| Average equity | $48,530,000 | 1,461 |
| Average total loans | $133,156,000 | 2,848 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6872% | 2,967 |
| Cost of funding earning assets | 1.3261% | 467 |
| Net interest margin | 3.3612% | 5,226 |
| Noninterest income to average assets | 0.0928% | 6,705 |
| Noninterest expense to average assets | 1.2520% | 7,125 |
| Loan and lease loss provision to assets | 0.0639% | 4,845 |
| Net operating income to assets | 1.5447% | 920 |
| Return on assets (ROA) | 1.4897% | 1,128 |
| Pretax return on assets | 1.9398% | 785 |
| Return on Equity (ROE) | 9.0007% | 2,815 |
| Retained earnings to average equity (ytd only) | 4.4339% | 3,651 |
| Net charge-offs to loans | 0.0334% | 4,911 |
| Credit loss provision to net charge-offs | 422.7273% | 699 |
| Earnings coverage of net charge-offs (x) | 137.2727% | 325 |
| Efficiency ratio | 37.6291% | 7,099 |
| Assets per employee ($millions) | 9.2348% | 299 |
| Cash dividends to net income (ytd only)* | 50.7380% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0495% | 5,963 |
| Loan loss allowance to noncurrent loans | 58.2022% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 0.8710% | 4,633 |
| Noncurrent loans to loans | 1.8033% | 3,210 |
| Net loans and leases to total assets | 44.8249% | 5,938 |
| Net loans and leases to deposits | 53.8835% | 5,881 |
| Net loans and leases to core deposits | 56.0695% | 5,936 |
| Total domestic deposits to total assets | 83.1885% | 4,682 |
| Equity capital to assets | 16.5215% | 505 |
| Core capital (leverage) ratio | 16.5459% | 406 |
| Tier 1 risk-based capital ratio | 31.9670% | 440 |
| Total risk-based capital ratio | 32.8908% | 450 |
| Memoranda: | ||
| Average total assets | $291,063,000 | 2,221 |
| Average earning assets | $280,079,000 | 2,126 |
| Average equity | $48,174,000 | 1,463 |
| Average total loans | $131,614,000 | 2,899 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7613% | 2,801 |
| Cost of funding earning assets | 1.3719% | 465 |
| Net interest margin | 3.3894% | 5,158 |
| Noninterest income to average assets | 0.0942% | 6,777 |
| Noninterest expense to average assets | 1.2311% | 7,200 |
| Loan and lease loss provision to assets | 0.0471% | 4,816 |
| Net operating income to assets | 1.5887% | 875 |
| Return on assets (ROA) | 1.4735% | 1,199 |
| Pretax return on assets | 1.9166% | 846 |
| Return on Equity (ROE) | 8.8946% | 2,869 |
| Retained earnings to average equity (ytd only) | 3.0429% | 4,731 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.8116% | 7,169 |
| Assets per employee ($millions) | 9.1096% | 315 |
| Cash dividends to net income (ytd only)* | 65.7895% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 6,099 |
| Loan loss allowance to noncurrent loans | 55.9052% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 0.9585% | 4,588 |
| Noncurrent loans to loans | 1.8702% | 3,315 |
| Net loans and leases to total assets | 44.4144% | 5,968 |
| Net loans and leases to deposits | 53.5033% | 5,862 |
| Net loans and leases to core deposits | 55.8296% | 5,916 |
| Total domestic deposits to total assets | 83.0124% | 4,921 |
| Equity capital to assets | 16.4857% | 500 |
| Core capital (leverage) ratio | 16.6568% | 395 |
| Tier 1 risk-based capital ratio | 32.0671% | 432 |
| Total risk-based capital ratio | 32.9826% | 439 |
| Memoranda: | ||
| Average total assets | $288,838,500 | 2,252 |
| Average earning assets | $276,984,500 | 2,149 |
| Average equity | $47,849,500 | 1,465 |
| Average total loans | $130,487,000 | 2,933 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9010% | 3,350 |
| Cost of funding earning assets | 1.6072% | 467 |
| Net interest margin | 3.2939% | 5,824 |
| Noninterest income to average assets | 0.0828% | 6,707 |
| Noninterest expense to average assets | 1.2985% | 7,243 |
| Loan and lease loss provision to assets | 0.0796% | 5,621 |
| Net operating income to assets | 1.4133% | 1,002 |
| Return on assets (ROA) | 1.4001% | 1,114 |
| Pretax return on assets | 1.8215% | 774 |
| Return on Equity (ROE) | 8.4130% | 2,709 |
| Retained earnings to average equity (ytd only) | 2.8435% | 4,217 |
| Net charge-offs to loans | 0.0032% | 6,407 |
| Credit loss provision to net charge-offs | 5,600.0000% | 45 |
| Earnings coverage of net charge-offs (x) | 1,349.7500% | 15 |
| Efficiency ratio | 40.3689% | 7,207 |
| Assets per employee ($millions) | 8.9428% | 338 |
| Cash dividends to net income (ytd only)* | 66.2015% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0251% | 6,093 |
| Loan loss allowance to noncurrent loans | 47.6089% | 5,152 |
| Noncurrent assets plus other real estate owned to assets | 1.1207% | 4,364 |
| Noncurrent loans to loans | 2.1531% | 3,003 |
| Net loans and leases to total assets | 45.0086% | 6,111 |
| Net loans and leases to deposits | 54.2140% | 6,045 |
| Net loans and leases to core deposits | 56.3750% | 6,133 |
| Total domestic deposits to total assets | 83.0202% | 4,740 |
| Equity capital to assets | 16.6481% | 500 |
| Core capital (leverage) ratio | 16.6703% | 396 |
| Tier 1 risk-based capital ratio | 31.6734% | 439 |
| Total risk-based capital ratio | 32.5620% | 453 |
| Memoranda: | ||
| Average total assets | $281,471,600 | 2,253 |
| Average earning assets | $267,800,200 | 2,185 |
| Average equity | $46,844,400 | 1,454 |
| Average total loans | $124,968,800 | 3,083 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9124% | 3,502 |
| Cost of funding earning assets | 1.6456% | 486 |
| Net interest margin | 3.2668% | 5,961 |
| Noninterest income to average assets | 0.0794% | 6,843 |
| Noninterest expense to average assets | 1.2857% | 7,320 |
| Loan and lease loss provision to assets | 0.0828% | 5,407 |
| Net operating income to assets | 1.3984% | 1,151 |
| Return on assets (ROA) | 1.3790% | 1,283 |
| Pretax return on assets | 1.7952% | 966 |
| Return on Equity (ROE) | 8.2865% | 2,920 |
| Retained earnings to average equity (ytd only) | 0.8289% | 5,677 |
| Net charge-offs to loans | 0.0043% | 6,135 |
| Credit loss provision to net charge-offs | 4,350.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 1,000.8499% | 27 |
| Efficiency ratio | 40.3192% | 7,253 |
| Assets per employee ($millions) | 8.8271% | 352 |
| Cash dividends to net income (ytd only)* | 89.9965% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0235% | 6,148 |
| Loan loss allowance to noncurrent loans | 49.8447% | 5,020 |
| Noncurrent assets plus other real estate owned to assets | 1.0607% | 4,652 |
| Noncurrent loans to loans | 2.0533% | 3,298 |
| Net loans and leases to total assets | 43.9593% | 6,336 |
| Net loans and leases to deposits | 52.9275% | 6,300 |
| Net loans and leases to core deposits | 55.0531% | 6,385 |
| Total domestic deposits to total assets | 83.0557% | 4,656 |
| Equity capital to assets | 16.4958% | 543 |
| Core capital (leverage) ratio | 16.4681% | 449 |
| Tier 1 risk-based capital ratio | 31.9746% | 455 |
| Total risk-based capital ratio | 32.8573% | 462 |
| Memoranda: | ||
| Average total assets | $280,297,000 | 2,277 |
| Average earning assets | $266,798,750 | 2,197 |
| Average equity | $46,645,000 | 1,463 |
| Average total loans | $123,677,250 | 3,130 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9100% | 3,570 |
| Cost of funding earning assets | 1.6748% | 517 |
| Net interest margin | 3.2352% | 6,046 |
| Noninterest income to average assets | 0.0744% | 6,943 |
| Noninterest expense to average assets | 1.2705% | 7,403 |
| Loan and lease loss provision to assets | 0.0773% | 5,344 |
| Net operating income to assets | 1.3908% | 1,102 |
| Return on assets (ROA) | 1.3599% | 1,237 |
| Pretax return on assets | 1.7641% | 939 |
| Return on Equity (ROE) | 8.1480% | 2,879 |
| Retained earnings to average equity (ytd only) | 4.7191% | 3,185 |
| Net charge-offs to loans | -0.0016% | 6,523 |
| Credit loss provision to net charge-offs | -10,800.0000% | 6,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3087% | 7,334 |
| Assets per employee ($millions) | 8.7704% | 353 |
| Cash dividends to net income (ytd only)* | 42.0831% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9824% | 6,409 |
| Loan loss allowance to noncurrent loans | 49.4141% | 5,055 |
| Noncurrent assets plus other real estate owned to assets | 0.9478% | 4,968 |
| Noncurrent loans to loans | 1.9881% | 3,501 |
| Net loans and leases to total assets | 43.9209% | 6,445 |
| Net loans and leases to deposits | 52.9848% | 6,395 |
| Net loans and leases to core deposits | 55.2617% | 6,478 |
| Total domestic deposits to total assets | 82.8934% | 4,803 |
| Equity capital to assets | 16.7745% | 508 |
| Core capital (leverage) ratio | 16.8150% | 423 |
| Tier 1 risk-based capital ratio | 32.5969% | 431 |
| Total risk-based capital ratio | 33.4394% | 436 |
| Memoranda: | ||
| Average total assets | $279,574,000 | 2,297 |
| Average earning assets | $265,946,670 | 2,214 |
| Average equity | $46,661,670 | 1,449 |
| Average total loans | $123,085,000 | 3,169 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8878% | 3,649 |
| Cost of funding earning assets | 1.6930% | 571 |
| Net interest margin | 3.1949% | 6,085 |
| Noninterest income to average assets | 0.0788% | 7,000 |
| Noninterest expense to average assets | 1.2629% | 7,474 |
| Loan and lease loss provision to assets | 0.1247% | 4,441 |
| Net operating income to assets | 1.3487% | 1,156 |
| Return on assets (ROA) | 1.3174% | 1,274 |
| Pretax return on assets | 1.6944% | 992 |
| Return on Equity (ROE) | 7.9133% | 2,952 |
| Retained earnings to average equity (ytd only) | 2.1527% | 4,850 |
| Net charge-offs to loans | -0.0033% | 6,206 |
| Credit loss provision to net charge-offs | -8,700.0000% | 6,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4500% | 7,380 |
| Assets per employee ($millions) | 8.7468% | 351 |
| Cash dividends to net income (ytd only)* | 72.7965% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9782% | 6,471 |
| Loan loss allowance to noncurrent loans | 49.1214% | 5,053 |
| Noncurrent assets plus other real estate owned to assets | 0.9182% | 5,059 |
| Noncurrent loans to loans | 1.9913% | 3,581 |
| Net loans and leases to total assets | 43.4731% | 6,511 |
| Net loans and leases to deposits | 52.4449% | 6,441 |
| Net loans and leases to core deposits | 54.5714% | 6,517 |
| Total domestic deposits to total assets | 82.8930% | 4,968 |
| Equity capital to assets | 16.6315% | 484 |
| Core capital (leverage) ratio | 16.6773% | 419 |
| Tier 1 risk-based capital ratio | 30.9640% | 479 |
| Total risk-based capital ratio | 31.7650% | 494 |
| Memoranda: | ||
| Average total assets | $279,035,000 | 2,313 |
| Average earning assets | $265,802,000 | 2,228 |
| Average equity | $46,453,500 | 1,446 |
| Average total loans | $122,383,500 | 3,208 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2368% | 3,424 |
| Cost of funding earning assets | 1.8932% | 863 |
| Net interest margin | 3.3436% | 5,818 |
| Noninterest income to average assets | 0.0899% | 6,947 |
| Noninterest expense to average assets | 1.2630% | 7,532 |
| Loan and lease loss provision to assets | 0.1373% | 5,799 |
| Net operating income to assets | 1.4718% | 817 |
| Return on assets (ROA) | 1.3212% | 1,188 |
| Pretax return on assets | 1.7085% | 923 |
| Return on Equity (ROE) | 7.7056% | 2,815 |
| Retained earnings to average equity (ytd only) | 3.1358% | 3,670 |
| Net charge-offs to loans | 0.0712% | 6,089 |
| Credit loss provision to net charge-offs | 443.3735% | 520 |
| Earnings coverage of net charge-offs (x) | 65.9157% | 364 |
| Efficiency ratio | 38.2227% | 7,526 |
| Assets per employee ($millions) | 8.6929% | 379 |
| Cash dividends to net income (ytd only)* | 59.3053% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9140% | 6,687 |
| Loan loss allowance to noncurrent loans | 43.9101% | 5,391 |
| Noncurrent assets plus other real estate owned to assets | 0.9699% | 5,066 |
| Noncurrent loans to loans | 2.0815% | 3,448 |
| Net loans and leases to total assets | 43.4158% | 6,758 |
| Net loans and leases to deposits | 52.3366% | 6,721 |
| Net loans and leases to core deposits | 54.4531% | 6,787 |
| Total domestic deposits to total assets | 82.9549% | 4,812 |
| Equity capital to assets | 16.6644% | 498 |
| Core capital (leverage) ratio | 16.6282% | 430 |
| Tier 1 risk-based capital ratio | 30.8315% | 474 |
| Total risk-based capital ratio | 31.5747% | 490 |
| Memoranda: | ||
| Average total assets | $268,010,800 | 2,381 |
| Average earning assets | $257,659,200 | 2,276 |
| Average equity | $45,953,400 | 1,461 |
| Average total loans | $116,640,200 | 3,385 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3003% | 3,357 |
| Cost of funding earning assets | 1.9277% | 940 |
| Net interest margin | 3.3725% | 5,776 |
| Noninterest income to average assets | 0.0889% | 7,090 |
| Noninterest expense to average assets | 1.2626% | 7,645 |
| Loan and lease loss provision to assets | 0.1376% | 5,653 |
| Net operating income to assets | 1.4730% | 972 |
| Return on assets (ROA) | 1.4329% | 1,118 |
| Pretax return on assets | 1.8869% | 788 |
| Return on Equity (ROE) | 8.2959% | 2,792 |
| Retained earnings to average equity (ytd only) | 3.5068% | 3,986 |
| Net charge-offs to loans | 0.0832% | 5,697 |
| Credit loss provision to net charge-offs | 380.5556% | 817 |
| Earnings coverage of net charge-offs (x) | 57.4430% | 503 |
| Efficiency ratio | 37.8045% | 7,614 |
| Assets per employee ($millions) | 8.7609% | 378 |
| Cash dividends to net income (ytd only)* | 57.7289% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8678% | 6,843 |
| Loan loss allowance to noncurrent loans | 35.6871% | 5,950 |
| Noncurrent assets plus other real estate owned to assets | 1.3859% | 4,391 |
| Noncurrent loans to loans | 2.4317% | 3,199 |
| Net loans and leases to total assets | 43.3659% | 6,885 |
| Net loans and leases to deposits | 52.6404% | 6,857 |
| Net loans and leases to core deposits | 54.7634% | 6,922 |
| Total domestic deposits to total assets | 82.3815% | 4,846 |
| Equity capital to assets | 17.0740% | 509 |
| Core capital (leverage) ratio | 16.8085% | 449 |
| Tier 1 risk-based capital ratio | 30.9929% | 477 |
| Total risk-based capital ratio | 31.6879% | 483 |
| Memoranda: | ||
| Average total assets | $265,470,250 | 2,435 |
| Average earning assets | $255,906,000 | 2,322 |
| Average equity | $45,852,750 | 1,469 |
| Average total loans | $115,329,000 | 3,472 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3325% | 3,303 |
| Cost of funding earning assets | 1.9580% | 1,020 |
| Net interest margin | 3.3745% | 5,741 |
| Noninterest income to average assets | 0.0896% | 7,131 |
| Noninterest expense to average assets | 1.2459% | 7,723 |
| Loan and lease loss provision to assets | 0.0911% | 6,014 |
| Net operating income to assets | 1.5091% | 901 |
| Return on assets (ROA) | 1.4493% | 1,061 |
| Pretax return on assets | 1.9231% | 708 |
| Return on Equity (ROE) | 8.3581% | 2,735 |
| Retained earnings to average equity (ytd only) | 3.7609% | 3,700 |
| Net charge-offs to loans | 0.0631% | 5,510 |
| Credit loss provision to net charge-offs | 333.3333% | 1,087 |
| Earnings coverage of net charge-offs (x) | 76.6111% | 412 |
| Efficiency ratio | 37.3039% | 7,682 |
| Assets per employee ($millions) | 8.6787% | 382 |
| Cash dividends to net income (ytd only)* | 55.0026% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7782% | 7,081 |
| Loan loss allowance to noncurrent loans | 34.5572% | 6,062 |
| Noncurrent assets plus other real estate owned to assets | 1.1363% | 4,861 |
| Noncurrent loans to loans | 2.2518% | 3,425 |
| Net loans and leases to total assets | 43.2703% | 6,969 |
| Net loans and leases to deposits | 52.4948% | 6,948 |
| Net loans and leases to core deposits | 54.6442% | 7,008 |
| Total domestic deposits to total assets | 82.4278% | 4,811 |
| Equity capital to assets | 17.1871% | 505 |
| Core capital (leverage) ratio | 17.0887% | 430 |
| Tier 1 risk-based capital ratio | 31.2163% | 448 |
| Total risk-based capital ratio | 31.8408% | 472 |
| Memoranda: | ||
| Average total assets | $263,430,670 | 2,478 |
| Average earning assets | $253,725,330 | 2,361 |
| Average equity | $45,680,000 | 1,474 |
| Average total loans | $114,169,330 | 3,531 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2230% | 3,906 |
| Cost of funding earning assets | 1.9928% | 1,113 |
| Net interest margin | 3.2302% | 6,195 |
| Noninterest income to average assets | 0.0890% | 7,262 |
| Noninterest expense to average assets | 1.2677% | 7,814 |
| Loan and lease loss provision to assets | 0.0460% | 6,210 |
| Net operating income to assets | 1.4283% | 1,017 |
| Return on assets (ROA) | 1.2953% | 1,383 |
| Pretax return on assets | 1.6974% | 1,065 |
| Return on Equity (ROE) | 7.4361% | 3,144 |
| Retained earnings to average equity (ytd only) | 2.8899% | 4,398 |
| Net charge-offs to loans | 0.1208% | 4,245 |
| Credit loss provision to net charge-offs | 88.2353% | 3,698 |
| Earnings coverage of net charge-offs (x) | 36.7647% | 743 |
| Efficiency ratio | 39.7881% | 7,738 |
| Assets per employee ($millions) | 8.4953% | 423 |
| Cash dividends to net income (ytd only)* | 61.1374% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7288% | 7,294 |
| Loan loss allowance to noncurrent loans | 190.5312% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.3250% | 6,664 |
| Noncurrent loans to loans | 0.3825% | 6,516 |
| Net loans and leases to total assets | 42.6682% | 7,080 |
| Net loans and leases to deposits | 51.9402% | 7,046 |
| Net loans and leases to core deposits | 54.0457% | 7,101 |
| Total domestic deposits to total assets | 82.1487% | 5,012 |
| Equity capital to assets | 17.2647% | 500 |
| Core capital (leverage) ratio | 17.3445% | 423 |
| Tier 1 risk-based capital ratio | 31.9939% | 439 |
| Total risk-based capital ratio | 32.5791% | 452 |
| Memoranda: | ||
| Average total assets | $260,626,500 | 2,555 |
| Average earning assets | $249,895,000 | 2,449 |
| Average equity | $45,400,000 | 1,482 |
| Average total loans | $112,590,500 | 3,634 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5385% | 3,936 |
| Cost of funding earning assets | 2.2506% | 1,836 |
| Net interest margin | 3.2879% | 5,789 |
| Noninterest income to average assets | 0.0966% | 7,286 |
| Noninterest expense to average assets | 1.3046% | 7,872 |
| Loan and lease loss provision to assets | 0.0335% | 7,195 |
| Net operating income to assets | 1.4973% | 677 |
| Return on assets (ROA) | 1.2978% | 1,086 |
| Pretax return on assets | 1.6918% | 796 |
| Return on Equity (ROE) | 7.2431% | 2,695 |
| Retained earnings to average equity (ytd only) | 2.1188% | 3,623 |
| Net charge-offs to loans | 0.0151% | 7,009 |
| Credit loss provision to net charge-offs | 525.0000% | 577 |
| Earnings coverage of net charge-offs (x) | 310.6875% | 91 |
| Efficiency ratio | 39.6650% | 7,864 |
| Assets per employee ($millions) | 8.8931% | 364 |
| Cash dividends to net income (ytd only)* | 70.7475% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7403% | 7,287 |
| Loan loss allowance to noncurrent loans | 410.3960% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.1039% | 7,234 |
| Noncurrent loans to loans | 0.1804% | 6,971 |
| Net loans and leases to total assets | 43.1016% | 7,171 |
| Net loans and leases to deposits | 52.5746% | 7,127 |
| Net loans and leases to core deposits | 66.8493% | 6,938 |
| Total domestic deposits to total assets | 81.9818% | 4,957 |
| Equity capital to assets | 17.5777% | 490 |
| Core capital (leverage) ratio | 17.4515% | 440 |
| Tier 1 risk-based capital ratio | 32.0571% | 442 |
| Total risk-based capital ratio | 32.6506% | 462 |
| Memoranda: | ||
| Average total assets | $250,502,800 | 2,603 |
| Average earning assets | $243,224,600 | 2,472 |
| Average equity | $44,884,400 | 1,497 |
| Average total loans | $105,896,800 | 3,779 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5504% | 4,152 |
| Cost of funding earning assets | 2.3056% | 1,963 |
| Net interest margin | 3.2448% | 5,864 |
| Noninterest income to average assets | 0.0965% | 7,420 |
| Noninterest expense to average assets | 1.3105% | 7,958 |
| Loan and lease loss provision to assets | 0.0327% | 7,029 |
| Net operating income to assets | 1.4729% | 869 |
| Return on assets (ROA) | 1.2553% | 1,392 |
| Pretax return on assets | 1.6220% | 1,133 |
| Return on Equity (ROE) | 6.9714% | 3,086 |
| Retained earnings to average equity (ytd only) | 0.3752% | 5,041 |
| Net charge-offs to loans | 0.0179% | 6,667 |
| Credit loss provision to net charge-offs | 435.7143% | 912 |
| Earnings coverage of net charge-offs (x) | 258.0187% | 147 |
| Efficiency ratio | 40.3500% | 7,920 |
| Assets per employee ($millions) | 8.8016% | 388 |
| Cash dividends to net income (ytd only)* | 94.6176% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7365% | 7,293 |
| Loan loss allowance to noncurrent loans | 136.9492% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.4078% | 6,430 |
| Noncurrent loans to loans | 0.5378% | 6,234 |
| Net loans and leases to total assets | 42.6638% | 7,328 |
| Net loans and leases to deposits | 52.5306% | 7,278 |
| Net loans and leases to core deposits | 67.1779% | 7,105 |
| Total domestic deposits to total assets | 81.2170% | 4,991 |
| Equity capital to assets | 17.5289% | 559 |
| Core capital (leverage) ratio | 17.1055% | 541 |
| Tier 1 risk-based capital ratio | 30.7312% | 529 |
| Total risk-based capital ratio | 31.2961% | 552 |
| Memoranda: | ||
| Average total assets | $248,653,500 | 2,637 |
| Average earning assets | $241,491,000 | 2,505 |
| Average equity | $44,772,250 | 1,518 |
| Average total loans | $104,374,000 | 3,863 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5615% | 4,275 |
| Cost of funding earning assets | 2.3397% | 2,200 |
| Net interest margin | 3.2218% | 5,837 |
| Noninterest income to average assets | 0.0925% | 7,513 |
| Noninterest expense to average assets | 1.3325% | 8,048 |
| Loan and lease loss provision to assets | 0.0008% | 7,155 |
| Net operating income to assets | 1.4323% | 953 |
| Return on assets (ROA) | 1.4347% | 1,017 |
| Pretax return on assets | 1.8924% | 707 |
| Return on Equity (ROE) | 7.8960% | 2,817 |
| Retained earnings to average equity (ytd only) | 3.6532% | 3,265 |
| Net charge-offs to loans | 0.0136% | 6,361 |
| Credit loss provision to net charge-offs | 14.2857% | 6,163 |
| Earnings coverage of net charge-offs (x) | 332.7143% | 112 |
| Efficiency ratio | 41.3498% | 7,993 |
| Assets per employee ($millions) | 8.7279% | 382 |
| Cash dividends to net income (ytd only)* | 53.7330% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7185% | 7,378 |
| Loan loss allowance to noncurrent loans | 325.4310% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.0917% | 7,352 |
| Noncurrent loans to loans | 0.2208% | 6,960 |
| Net loans and leases to total assets | 41.2174% | 7,494 |
| Net loans and leases to deposits | 50.5235% | 7,464 |
| Net loans and leases to core deposits | 64.9114% | 7,254 |
| Total domestic deposits to total assets | 81.5807% | 4,866 |
| Equity capital to assets | 17.8714% | 565 |
| Core capital (leverage) ratio | 17.7927% | 531 |
| Tier 1 risk-based capital ratio | 31.4173% | 522 |
| Total risk-based capital ratio | 31.9486% | 546 |
| Memoranda: | ||
| Average total assets | $246,455,670 | 2,674 |
| Average earning assets | $239,431,000 | 2,529 |
| Average equity | $44,782,330 | 1,530 |
| Average total loans | $102,596,670 | 3,951 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5513% | 4,635 |
| Cost of funding earning assets | 2.3799% | 2,381 |
| Net interest margin | 3.1714% | 5,950 |
| Noninterest income to average assets | 0.0905% | 7,602 |
| Noninterest expense to average assets | 1.3047% | 8,073 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4165% | 1,109 |
| Return on assets (ROA) | 1.4165% | 1,191 |
| Pretax return on assets | 1.8640% | 871 |
| Return on Equity (ROE) | 7.7295% | 3,271 |
| Retained earnings to average equity (ytd only) | 2.2354% | 4,628 |
| Net charge-offs to loans | 0.0197% | 5,289 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 226.6000% | 189 |
| Efficiency ratio | 41.1734% | 8,017 |
| Assets per employee ($millions) | 8.5431% | 414 |
| Cash dividends to net income (ytd only)* | 71.0801% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7429% | 7,331 |
| Loan loss allowance to noncurrent loans | 1,163.0769% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0262% | 7,546 |
| Noncurrent loans to loans | 0.0639% | 7,345 |
| Net loans and leases to total assets | 40.7673% | 7,531 |
| Net loans and leases to deposits | 50.1729% | 7,484 |
| Net loans and leases to core deposits | 64.3741% | 7,302 |
| Total domestic deposits to total assets | 81.2537% | 4,862 |
| Equity capital to assets | 18.1009% | 597 |
| Core capital (leverage) ratio | 18.1256% | 542 |
| Tier 1 risk-based capital ratio | 31.6034% | 556 |
| Total risk-based capital ratio | 32.1454% | 571 |
| Memoranda: | ||
| Average total assets | $243,129,000 | 2,732 |
| Average earning assets | $235,980,500 | 2,574 |
| Average equity | $44,556,500 | 1,540 |
| Average total loans | $101,355,000 | 3,996 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7576% | 6,566 |
| Cost of funding earning assets | 2.7383% | 2,981 |
| Net interest margin | 3.0192% | 6,857 |
| Noninterest income to average assets | 0.1115% | 7,573 |
| Noninterest expense to average assets | 1.2523% | 8,142 |
| Loan and lease loss provision to assets | 0.0624% | 6,622 |
| Net operating income to assets | 1.3326% | 1,393 |
| Return on assets (ROA) | 1.3349% | 1,340 |
| Pretax return on assets | 1.7066% | 1,129 |
| Return on Equity (ROE) | 7.2818% | 3,384 |
| Retained earnings to average equity (ytd only) | 4.6815% | 2,214 |
| Net charge-offs to loans | 0.0041% | 6,935 |
| Credit loss provision to net charge-offs | 3,625.0000% | 139 |
| Earnings coverage of net charge-offs (x) | 1,025.2500% | 45 |
| Efficiency ratio | 41.4895% | 8,087 |
| Assets per employee ($millions) | 8.2244% | 439 |
| Cash dividends to net income (ytd only)* | 35.7097% | 3,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7538% | 7,267 |
| Loan loss allowance to noncurrent loans | 439.8844% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.0725% | 7,285 |
| Noncurrent loans to loans | 0.1714% | 6,875 |
| Net loans and leases to total assets | 42.0078% | 7,587 |
| Net loans and leases to deposits | 51.9275% | 7,537 |
| Net loans and leases to core deposits | 67.4085% | 7,313 |
| Total domestic deposits to total assets | 80.8971% | 4,687 |
| Equity capital to assets | 18.5604% | 594 |
| Core capital (leverage) ratio | 18.6227% | 547 |
| Tier 1 risk-based capital ratio | 37.8349% | 376 |
| Total risk-based capital ratio | 38.4918% | 380 |
| Memoranda: | ||
| Average total assets | $232,221,200 | 2,738 |
| Average earning assets | $223,566,800 | 2,618 |
| Average equity | $42,572,000 | 1,572 |
| Average total loans | $97,687,600 | 4,013 |